Noma yimuphi owesifazane ozimele futhi okhangayo kufanele abe ozimele kunoma ubani kumbandela wezezimali. Lokhu akulula ukuyifinyelela, ukuphila ngokuphila kwimodi yendlu yomsebenzi, kodwa kudingeka ufunde ukuthi unethuba lokunquma ukuthi yini ongayithenga, lapho uya khona ukuphumula, ngaphandle kokucela imali kumuntu.
Ukubeka izinto ngokuhlelekile ngemali
Imindeni eminingi inesabelomali esivamile, uma wenza, yihlukanise ibe jikelele kanye neyakho. Khetha zonke izimarisidi zemali ezitholakala kuwe kuphela, ingabe ingaqasha indlu yakho siqu noma usebenza kwenye indawo eyengeziwe. Bhala phansi zonke izimali ezihamba kuphela ngenxa yezidingo zakho. Ngokwemvelo, le mibuzo kufanele ixoxwe nomuntu wakho, ukuze kungabikho ukungavumelani phakathi kwabo bonke.
Ukubika
Ukuze uzimele ozimele ngokwezimali, udinga ukwazi kahle ukuthi unakho imali eningi, ukuthi uhlela kangakanani ukuthenga ekuthengeni okudingekayo, nokuthi yini ezenzelwe izidingo zakho. Inketho elula ukurekhoda kumakholomu amabili ahlukene, kokubhala okunye kanye nokunye okunye. Ungasebenzisa izicelo ezikhethekile zamathebhulethi nama-smartphone "I-Personal Personal Finance" noma isevisi efanayo kumakhompyutha alula, kulula ukusebenzisana nezinombolo usebenzisa ifayela le-Excel . Kunezinketho eziningi, ukubalwa kwezimali kuphela okumele kugcinwe nsuku zonke. Kungaba kuhle ukukhipha amaphesenti athile kusuka emalini yenyanga yonke njengendawo yokugcina engabonakali kwisabelomali sakho siqu. Konke lokhu kuzogcina kube yindawo yakho yezimali.
Yithi cha ku-credits nezikweletu
Ukuzimela kwakho kwezimali ngeke kufike uma ungakhokhi isikweletu. Ukuba khona kwabo kuzofaka isandla ekubambeni ukuthi kuzodingeka usebenzise usizo lomyeni noma abanye abantu, ngakho-ke ukuzimela kwakho kwezezimali akukwazi ukuza maduzane. Emalimboti akhona, ngeke ukwazi ukugcwalisa isabelomali. Ungakwenza lokhu ngokulahla amakhadi esikweletu, ngokuwabuyisela ekhadini elijwayelekile le-debit. Ngenyanga yokuqala, shiya impilo evamile ekhululekile. Konke lokhu kuzokunciphisa isilingo sokungena ezikweletini ezilandelayo.
Thola ukusebenza
Uma ungeke ukwazi ukwenza yonke imali yakho engenayo nganoma yisiphi isizathu, zama ukuthola umsebenzi ojabulisayo, ongenakwenzeka ozokunika imali engenayo. Futhi lapha usuvele usuchithe ngokwakho. Mhlawumbe elinye lala makilasi lizoqhubeka liwumsebenzi wakho oyinhloko, eliletha inzuzo, mhlawumbe ngenxa yalo, uzoba ozimele ngokwezimali. Kulungile ukuyihlola, ukuqala kohlobo lomsebenzi.
Izindleko zemali yomuntu siqu
Ukuthola ukuzimela kwezezimali okungelutho, abanye abantu bazama ukuchitha imali eyitholile, ngaleyo ndlela bathola ukwaneliseka okwesikhashana kuphela. Kukhona abantu abaqala ukuqoqa, bahlehlise, ekuthiwa izikhathi ezingcono. Noma kunjalo, kuyoba ukuhlakanipha ukutshala imali ku-real estate, ukugcinwa kwemfihlo, lokhu kuzokulethela inzuzo yesikhathi esizayo. Ukuthola ukuthengwa okukhulu okudingayo, kuyocelwa ukuba uhlehlise imali kancane kancane, kungenjalo kunezithuba ezinyangeni ezithile ukungabi nalutho ngenxa yokuthenga okukhulu.
Funda izincwadi eziwusizo mayelana nezimali
Ukuze ekugcineni ube ngowesifazane ozimele ngokwezimali, kudingeka ufunde njalo izincwadi ezifanele futhi ugcwalise ulwazi lwakho ngolwazi olusha. Akudingekile ukuba ufunde izincwadi eziningi futhi unikeze isigamu ngosuku. Kuzokwanele amahora angu-1-2. Into esemqoka ukukhetha izincwadi ezisebenzisekayo eziqukethe izeluleko.
Ukuxhumana nabantu abazimele ngokwezimali
Uma unabangane abavele bafinyelele ukuzimela kwezezimali, lokhu kuhle, ngoba ungathola iseluleko sabo noma ubuze noma imuphi umbuzo. Futhi uma wena, ngokuphambene nalokho, uhambele abantu abangenabuhlungu nabampofu, lokhu kuzokwenza kube nzima ukuthinta i-solvency yakho. Udinga ukuxhumana nabo ngokuncane ngangokunokwenzeka, kodwa unganciphisi ukuxhumana ngokungafani, njengoba isibonelo sabo ubona ukuthi akufanele wenze kanjani empilweni nokuthi yiziphi izenzo ezingase ziholele. Xhumana nabesilisa nabesifazane abazimele ngokwezimali futhi uzoba okufanayo!
Inhlangano yebhizinisi lakho
Indlela engcono kakhulu yokuzimela ngokwezimali ukuqhuba ibhizinisi. Esikhathini sokuqala kuzoba nzima, kuzodinga isikhathi esiningi kuwe. Esikhathini esizayo, lapho uhlela ibhizinisi, kuzofika inkululeko futhi yesikhashana, futhi mhlawumbe ngokwezimali, ikakhulukazi uma umsebenzi webhizinisi ungadingi iqhaza lakho elincane.
Uma unomyeni ngaleso sikhathi, uma ungenalo umthwalo wemali, ke ushaye imali esikhathini esizayo: uthole amanye amakhono engeziwe, uthole imfundo, ufunde isigaba esithandayo, futhi okubaluleke kakhulu, qala ukwenza okuthile ngokwakho. Isixazululo esihlangene semibandela yezimali sihlanganisa umndeni, ngakho ukuthenga izinto ezinkulu kufanele kuxazululwe kanye nendoda yakho, ngisho nemali yakho enkulu. Izingxabano ezibalulekile zivame ukuholela kumabhajethi ahlukene, ukuthenga izinto ezinkulu. Ezinqumweni zakho musa ukuwela umugqa, funa isivumelwano emndenini.