Uthando lulula, kepha aluzikhokhi izikweletu zakho. Imali ingumthombo ovame kakhulu wokungezwani nokulwa phakathi kwezithandani. Izimali zingenza noma zonakalise noma yibuphi ubuhlobo ngokwengeza ukucindezeleka kuleyo ngxube. Uthando lulula, kepha aluzikhokhi izindleko zakho… Ziningi izeluleko zobudlelwano nezeluleko zezimali zokuthi ungabugcina kanjani ubudlelwano obunempilo, noma ngabe imali isongela ukubudiliza. Manje uqala kuphi?
Ukuhola, ukusebenzisa imali, nokonga imali kuyinto edingekayo empilweni. Ukuntuleka kwezezimali kungaholela ekungaqondaneni nasezingxabanweni ebudlelwaneni bakho, okuthi kwesinye isikhathi kube nzima futhi kungazinzi. Njengoba ufuna ukugwema ukucabanga ngakho, udinga imali yokuxhasa impilo yakho yansuku zonke. Udinga imali yokuthenga ukudla, ukuphatha izindleko zasendlini, ukukhulisa izingane zakho, nokuhlelela ikusasa lakho. Imali ngeke ilethe injabulo, kodwa ibalulekile ukuze ukwazi ukuphila.
Izizathu zezingxoxo zezomnotho
Iningi labashadikazi likuthola kunzima ukuphakamisa izinkinga zezimali nabalingani balo ngoba kwesinye isikhathi kubanga izingxabano nokungaboni ngaso linye. Kunezizathu eziningi zokuthi kungani imibhangqwana ibhekana nobunzima bezezimali:
- Imali engenayo ayanele izindleko
- Ingxenye yalaba bashadikazi iphelelwa umsebenzi
- Ingxenye yalaba bashadikazi isele ingenamsebenzi futhi ingenayo inzuzo yezomnotho evela kuhulumeni
- Enye ingxenye yalo mbhangqwana i-shopper engacabangi noma i-shopaholic
- Omunye walaba ababili unenkinga yokugembula
- Unokugula okungalindelekile noma ingozi
- Kwenzeka ingozi edinga ukuthi ukhokhe imali ukuyilungisa (njengemoto eshayisile futhi edinga ukulungiswa)
- Banezingane
Hamba ngendlela efanayo yezomnotho
Zombili izinhlangothi zombhangqwana kufanele ngabe zihamba ngendlela efanayo emnothweni ukuze kugwenywe ukungaqondani. Noma ngabe yisiphi isizathu, izinkinga zezezimali ebudlelwaneni bakho zingaxazululwa, futhi kufanele uqale ngokukhuluma nomlingani wakho ngendlela enempilo. Izindaba ezimnandi ukuthi akukephuzi kakhulu ukuba nale ngxoxo, futhi ukuba nomugqa ovulekile wokuxhumana ngemali kunempilo ebudlelwaneni bakho.
Kungenzeka, uzuze izindinganiso zakho nezinkolelo zakho ngemali kubazali bakho nasemndenini wakho. Uzifaka ngokungazi ekusebenziseni nasekusebenziseni imikhuba yakho. Uma wena nomlingani wakho ninamagugu nezinkolelo ezingafani ngemali, lokhu kungadala izingxabano. Ukugwema ukungqubuzana, kufanele uqonde amanani nezinkolelo zomlingani wakho ngemali. Lokhu kuzokusiza ukuthi ubeke isiteji sokuxoxa ngohlelo lwezezimali.
Imibuzo yengxoxo emnandi ngemali
Ungafaka le mibuzo lapho uxoxa ngohlelo lwakho lwezezimali nomlingani wakho, futhi kuzokusiza ukuthi wakhe uhlelo lozakwethu lwezezimali
- Athini amanani akho nezinkolelo zakho ngokusebenzisa imali?
- Athini amanani akho nezinkolelo zakho mayelana nokuphathwa kwezikweletu?
- Athini amanani akho nezinkolelo zakho ngokuphatha ukonga?
- Athini amanani akho nezinkolelo zakho ngokwenza imali?
- Yini imigomo yakho yezezimali?
- Yini abazali bakho abakufundise yona ngemali?
- Uyihlela kanjani imali yakho?