Ngokuvamile emindenini lapho bobabili abashadile basebenza khona, omunye wabo uthola imali engaphezulu kunomunye, futhi lokhu kubhekwa njengokujwayelekile. Futhi akekho okholelwa ukuthi nguye ophethe umthwalo wokuhlinzeka izindleko zomndeni eziningi. Kodwa kukhona okuhlukile. Okubangela ukuxabana okuningi, nokusola okungamanga ukuthi omunye womshado uhlanganyela konke emndenini, kanti okwesibili uzivumela ukuthi azisebenzise ngokweqile izidingo zomuntu siqu, hhayi izidingo zomndeni.
Ukuze kuqinisekiswe ukuthi uhlangothi lwezinto ezibonakalayo zokuphila komndeni aluyena isinyathelo ekubhujisweni kobudlelwane, kubalulekile ukucacisa ekuqaleni ukuthi ungaqhuba kanjani imali emndenini.
Ukwakhiwa kwesabelomali somndeni kuyisikhathi esibalulekile empilweni yomndeni osemusha.
Isabelomali somndeni.
Imali kanye nesabelomali semindeni yingxenye ebaluleke kakhulu yokuphila kwethu, esihlangana nayo nsuku zonke, futhi ngaphandle kwayo ukuhlala okuvamile akunakwenzeka. Izimali ezitholakalayo emndenini, ikakhulukazi izimali ezithandekayo, zingenza ukukhohliswa kokuvumela futhi ukulawula okugcwele kuzo zonke izici zokuphila zomuntu siqu nezomvelo. Lokhu kubangela iningi lokungaboni kahle, ukucasula kanye nomphumela wokuhlukanisa njalo.
Ngokombono wezengqondo - imali, lokhu "okwesithathu akuyona into engafanele" ebuhlotsheni babalingani, okudingeka futhi bafunde ukuhambisana. Ikakhulu kunzima kubantu abangaphambi komshado abahola ukuphila okuzimele, futhi bajwayele ukulahla imali yabo, noma ngokufanayo, abazange benze lokhu ngaphambili. Izingxabano zezimali zingabangela izizathu ezahlukene. Lokhu kungachazwa ngeqiniso lokuthi, ngesilinganiso esincane semali, umuntu usesimo sokucindezeleka, futhi uzokhipha yonke imizwelo emibi eqoqwe ngokuhamba kwesikhathi, uma kwenzeka udoti olungenangqondo, ikakhulukazi uma lokhu kungadingeki. Uma ngabe imali engenayo yomndeni ayikwazi ukubizwa ngokuthi encane, izidingo, ezingekho njalo, ngokunjalo ukwanda, okuphinde kwandise izindleko, futhi umphumela uphinde ube yihlazo.
Kukhona amacala amaningi lapho, ngenxa yokuhlukaniswa kwemali, imibhangqwana yayizimisele ukuhlukanisa, futhi iningi lezenzo zesehlukaniso kwaba ukuhlukaniswa kwempahla ejwayelekile, kwaze kwaba yilapho insizakalo, noma isethi yokusika, yabelwe izinyanga ezimbalwa.
Ngakho-ke, ukwakheka kwesabelomali somndeni kuyoba yithuba lakho lokugwema ukuchitha imali ngokungenasici, futhi ngesikhathi esifanayo ukuze ukwazi ukulawula ngokuzimela izimali zakho ngaphandle kokuphazamiseka kwengqondo.
Ngezimali kuwe.
Uma ubonakala uhola kahle futhi usenayo imali eyanele, isimo asiyiqiniso, noma umane ungayilawuli imali yakho. Ngokuyinhloko kufanele ucabange, uma kuvela, uqale ukuchitha okungaphezu kwalokho ohola, usebenzisa amakhadi esikweletu ngenxa yalokhu, futhi ungene esikhwameni. Lesi simo singaqhubeka uma nje bobabili bomshado behlala futhi banelisekile ngakho konke. Kodwa ngokuvamile lokhu kwenzeka kaningi, kanti omunye uhlala ezinyaweni eziningi, kanti owesibili uzama ukusindisa kukho konke okusemandleni. Ngenxa yalokho, yonke imizamo iyancipha ibe yizinga eliphezulu kakhulu, ngesikhathi esibi kunazozonke. Ngokuvamile, ngenxa yokungabi nalutho lwemali engenayo, nokunye okuqinisekisiwe ngekusasa, umlingani "ozobonga" uhlale esesimweni esicindezelayo, esibonakala ngokucacile ekuziphatheni kwakhe, ubudlelwane bomshado kanye nesimo somzwelo jikelele womndeni. Kulokhu, indlela engcono kakhulu yokwenza umkhuba womngane ochithayo wokulawula izindleko zabo. Ngenxa yalokhu, izivumelwano ezithile phakathi kwabalingani. Uma zingaphenduliwe, futhi ukusetshenziswa kwezimali kuqhubeka, kungcono ukunikeza ithuba lokuxhasa umndeni kumlingani ozobonga ngokwesikhashana.
Lesi simo sibaluleke ngokukhethekile emibhangqwaneni emisha eyayingakaze ikwazi ukuphatha imali eyedwa, yayinani elilinganiselwe lezezimali, noma liyingxenye ehlukene yomphakathi wabantu.
Singabantu.
Uma emndenini ekuqaleni kwakhiwa ukuthi wonke umuntu ngokwayo ohlelweni lwezezimali, kubalulekile ukuthi ashintshe lesi simo. Ngempela, indlela engcono kakhulu, uma umndeni ungahlukanisi imali "ku-" yakho "ne" yami ", futhi zonke izimali ezilethwe endlini zivamile.
Ukwakha isabelomali somndeni kuyadingeka ngxoxo kanye nengxoxo. Uma ufuna umshado ovumelanayo, kholwa kimi, ngaphandle kokuxhumana ngalesi sihloko ongeke ukwazi ukukwenza. Zizikhethele ngokuzikhethela uhlu lwezindleko ezivame ukuwela esikhathini esithile. Okulandelayo, khetha, phakathi kwalezi zindleko, okudingekayo kakhulu, okungeke kukhishwe. Isibonelo, kungaba yizikhwama zesevisi, ukukhokhelwa inkulisa, ukukhokha isikweletu, izindleko zephethiloli, ukudla, imicimbi eyaziwayo noma amaholide njalonjalo. Qhubeka ukhethe lokho okubizwa ngokuthi izindleko ezengeziwe ongakwazi ukuzikhokhela, kodwa aziphathelanga umlingiswa ohlala njalo, isibonelo, ukuthenga izingubo, imishini, ifenisha. Emva kokusabalalisa izindleko eziyisisekelo nezengeziwe, ungaba nemali mahhala. Ungasebenzisa le mali ngaphandle kokuzisola ngezimpikiswano zakho ezincane, ukuphumula komndeni noma ukuhlehliswa kokuthenga okukhulu.
Ukuqhubeka nokulawula izindleko, ungagcina isimo esifanayo se-homegroup, lapho uzobhalela khona konke okushiwo imali. Ngakho-ke, khona-ke uthola kalula inani eliphelele lemali, qhathanisa nalo ngenzuzo futhi ungakwazi ukuqeda ukuthenga okungadingeki.
Ukusebenzisa amathiphu alula aphendule umbuzo wokuthi izimali zigcinwa kanjani emndenini, maduzane uzothola ukuhlala ngendlela yakho, ngaphandle kokuzizwa ukhona ukungalungi noma ukuntuleka okukhulu kwezinto. Into eyinhloko ukuthi unesifiso sokuthatha isinyathelo emhlanganweni futhi ushintshe imikhuba yakho, ngoba ubudlelwane obengeziwe emndenini, ukwethembeka kwabo, ubude kanye nenhlalakahle kungancika ngokuqondile kule sinqumo. Ungabeki imali ngaphezu kwakho konke, ngoba empilweni kunezinto eziningi ezibalulekile ezingakhokhelwa yinoma iyiphi inombolo yamanothi ebhange.