Iingcebiso ezili-1 zemali kubantu abasanda kutshata

Ukuqala ubomi bakho obutsha njengabasandul 'ukutshata kuthetha ukuxuba umhlaba wakho, kwaye oko kubandakanya imali yakho. Ukuthetha ngezimali zakho kusenokungabi yeyona nto iqalayo incoko yothando, kodwa sisihloko esibalulekileyo ukuba sibenaso. Yiyo loo nto ndiUkufumana elona cebiso lilungileyo lezemali kwabo basandul’ ukutshata kubalulekile oko kuya kukunceda ulawule imali yakho ngeyona ndlela ilungileyo.

Nokuba benihlala kunye ngaphambi kokuba nitshate, ulawulo lwemali yakho luya kutshintsha xa sele nibe ngabalingane abasemthethweni. Kusenokuba nzima ukuthetha ngale miba yemali ekuqaleni, kodwa kuya kuphucula imeko yakho izakhono zokunxibelelana kwaye iya kuphepha nakuphi na ukungaqondi kakuhle kwezemali kwixesha elizayo.

Ukongeza, ukusebenza njengeqela kunye neemali zakho kuya komeleza ubudlelwane bakho kwaye kukuncede ukufikelela kwiinjongo zenu zemali kunye ! Kweli nqaku, ngamava am amancinci njengomntu osanda kutshata, ndabelana nawe ngeengcebiso zokukunceda ulawule iimali zakho ukuba usanda kutshata.

Makhe siye

🥀 Kutheni kubalulekile ukuphatha imali njengesibini?

Ulawulo lwemali phakathi kwesibini lubaluleke kakhulu kuzinzo kunye nokuvisisana kobudlelwane. Ngokwenene, indlela amaqabane alawula ngayo imali inokuba nefuthe elibalulekileyo kwezemali, impilo-ntle yeemvakalelo kunye nobomi obude bobudlelwane babo.

Ukuphepha iingxabano ezinxulumene nemali

Enye yeenzuzo eziphambili zolawulo lwemali olusebenzayo njengesibini ukuthintela ungquzulwano ezinxulumene nemali. Ukungavisisani malunga nokuchitha, amatyala kunye neenjongo zemali kunokukhawuleza ukuphazamisa ubudlelwane. Ngokuseka unxibelelwano oluvulekileyo kunye nokusebenza kunye ekuphuhliseni isicwangciso sezemali, izibini zinokuphepha ezininzi zezi ngxabano kwaye zomeleze ubudlelwane babo.

Ukuqinisekisa uzinzo lwemali yekhaya

Ulawulo lwemali olululo lukwanceda ekuqinisekiseni uzinzo lwekhaya. Ngokuceba uqingqo-mali, ukongela izinto ezingalindelekanga nokutyala imali kwikamva, izibini zinokuhlangabezana kakuhle namahla-ndinyuka obomi yaye ziphephe uxinezeleko olungeyomfuneko lwemali.

Ukuququzelela ukufezekiswa kweenjongo ezifanayo

Enoba uthenga ikhaya, uceba uhambo okanye ulungiselela umhlala-phantsi, ulawulo lwemali olusebenzayo lunceda izibini zifikelele usukelo lwazo ekwabelwana ngalo. Ngokusebenzisana ukuze kuphunyezwe la manqanaba emali, amahlakani aqinisa intsebenziswano yawo kwaye aqinise ukuzibophelela kwawo.

Yomeleza ukuthembana kunye nokungafihli kubudlelwane

Okokugqibela, ulawulo lwemali olungafihlisiyo nolunobulungisa komeleza ukuthembana phakathi kwesibini. Ngokwabelana ngoxanduva lwemali kunye nokunyaniseka kwimiba yemali, amaqabane akha ukuthembana okuphalala kakuhle kuyo yonke imiba yobudlelwane babo.

🥀 Iingcebiso ezili-10 zemali kubantu abasanda kutshata

Ungavumeli imicimbi yakho yemali iphazamise ubudlelwane bakho. Nazi iingcebiso ezili-10 zabasandul 'ukutshata ukugcina imali yabo ngokufanelekileyo!

1. Thetha ngembali yemali yosapho lwakho

Ukuxoxa ngembali yezemali yosapho lwakho yenye yezona ngcebiso zibalulekileyo onokuthi uzenze ukuba utshatile. Ukuthetha ngembali yosapho lwakho ngemali yindlela entle yokuvula incoko malunga neemali zomtshato wakho.

Chaza indlela abazali bakho ababeyisebenzisa ngayo imali, noko wakufunda kubo Ukuqhubeka kwezimali kunye nendlela abakufundise ngayo ukugcina okanye ukuchitha kunokuba luncedo kwizibini.

Inokukunceda ubone ukuba ukuzuz’ ilifa ukungakhuseleki kwezemali okanye unayo nayiphi na imiqobo yemali ekufuneka usebenzele kuyo. Ngale ndlela, unokuthetha nabo njengeqela kwaye nisebenzele impumelelo yezemali!

2. Iakhawunti yebhanki edityanisiweyo yabasandul’ ukutshata

Xa uthatha isigqibo sokuvula i akhawunti yebhanki edibeneyo njengabasandul' ukutshata, kuya kufuneka undwendwele ibhanki oyikhethileyo. Nje ukuba ulapho, kuya kufuneka ubonise isazisi sakho, ubungqina bedilesi kunye nesatifikethi somtshato ukuze ugqibezele inkqubo yokuvula iakhawunti.

Kubalulekile ukuxoxa ngamalungiselelo olawulo lwe-akhawunti ngokweenkcukacha neqabane lakho, njengeemvume zokurhoxisa, uxanduva lwemali, kunye nendlela iidiphozithi kunye nokutsalwa kwemali eziya kusingathwa ngayo. Ngokumisela ngokucacileyo le migaqo kwasekuqaleni, unokuphepha ukungaqondani kwaye ulawule iimali zakho ngokufanelekileyo njengesibini.

Ukuvula i-akhawunti yebhanki edibeneyo kunika inzuzo yokwenza lula ulawulo lwezemali kwabasanda kutshata, ngokubeka kumbindi wengeniso kunye neendleko zekhaya. Oku kunokwenza kube lula ukuhlawula amatyala adibeneyo kunye nokuphumeza ukonga ngokudibeneyo. Ukongeza, i-akhawunti edibeneyo inokomeleza ukungafihli kwezemali phakathi kwesibini.

Nangona kunjalo, oku kuthetha ilahleko yokuzimela ngokwezimali, njengoko umnini ngamnye enofikelelo olulinganayo kwiimali. Ukongezelela, xa kukho ukungavumelani okanye ukuhlukana, ukulawula i-akhawunti edibeneyo kunokuba ngumthombo woxinzelelo. Ngoko ke kubalulekile ukunxibelelana kakuhle kwaye uchaze imithetho ecacileyo kwasekuqaleni.

3. Yenza uhlahlo lwabiwo-mali

Nje ukuba nitshatile kwaye nihlala kunye, kuya kufuneka wenze uhlahlo lwabiwo-mali losapho lwenyanga njengesibini. Okokuqala, misela umvuzo wakho wenyanga ekwabelwana ngawo.

Okulandelayo, yenza uluhlu lweendleko zakho ezinje ngamatyala enyanga, ukuzonwabisa, Iimali zokubambisa, i-inshorensi, kunye neemali-mboleko kunye namanye amatyala. Wakuba ulufundile olu luhlu, cima iindleko ezingabalulekanga.

Ukuba nohlahlo lwabiwo-mali kuya kukunika ukuqonda ngcono ukuba yimalini ekufuneka uyingenise ngenyanga kwaye ikuncede ujongane namatyala kwaye uphephe ukuchitha ngaphezulu. Eli lelinye lawona macebiso abalulekileyo ukuze izibini ezisandul’ ukutshata zifake izicelo kwiimali zakho.

4. Thetha rhoqo ngezimali zakho neqabane lakho

Iimali zakho zomtshato akufuneki zitshayelwe phantsi kombhoxo. Iimeko zinyanzelekile ukuba zitshintshe ngamaxesha ahlukeneyo kubomi bakho bomtshato. Ke ngena kumkhwa wokuphonononga imali yakho rhoqo ngenyanga okanye kabini ngenyanga ukuze uqiniseke ukuba uhlala uyinyani. kuhlahlo lwabiwo-mali lwekhaya lakho.

Icebiso lethu kwabasandul’ ukutshata kukuba lenze ingxoxo emnandi. Ewe, imali yinto enzima kodwa kungcono ukunxibelelana kakuhle. Mhlawumbi cwangcisa i dessert fundraising ingxoxo kwaye wonwabele ikeyiki emnandi ngelixa uthetha imali.

5. Nyaniseka ngetyala lakho

Ingcebiso yomtshato esebenza kuzo zonke iinkalo zobudlelwane bakho yile: nyaniseka kwiqabane lakho. Oku kuyinyaniso ngakumbi xa kuthethwa ngemali. Awungekhe ufune ukuwubaxa umvuzo wakho, okanye uxoke malunga nesixa samatyala akho.

Abaninzi bafumanisa ukuba ityala lihlazo, kodwa inyaniso kukuba abantu abaninzi banamatyala ngexesha elithile ebomini babo. Isenokuba yimali-mboleko yabafundi, ityala lekhadi lokuthenga ngetyala, i-mortgage, okanye imali-mboleko yemoto. Nokuba yeyiphi na indlela, xelela iqabane lakho ngayo nayiphi na imali oyityalayo ngaphambi kokuba utshate.

Emva kokuba nithethe ngokuphandle ngamatyala enu, zenzeleni usukelo lwenu ukuwalungisa njengesibini. Usenokungaziva ngathi luxanduva lwakho ukuhlawula ityala iqabane lakho eliliqokelele ngaphambi kokuba nibe nobudlelwane.

Nangona kunjalo, ityala labo linokwenza kube nzima ukuba ufumane imali-mboleko okanye uthenge indlu kunye. Kwakhona, nje ukuba ziqhagamshelwe kwiakhawunti yakho yebhanki, uba noxanduva ngokusemthethweni lwawo nawaphi na amatyala enziwe emtshatweni. Ke ngoko, unokuwanciphisa ngokukhawuleza amatyala akho ukuba nenza kunye.

Ukuyithetha nje njengoko bendinzile kubonakala kulula kakhulu kodwa akusoloko kunjalo. Ke, ndithathe isigqibo sokwabelana nawe ngekhosi yoqeqesho lweprimiyamu ebendiyithenge kwi-intanethi kwaye eyandinceda kakhulu ukuba ndikhuphe amatyala am kwiminyaka emibini eyadlulayo. Cofa kule khonkco ukuba nawe ufuna ukuthenga olu qeqesho.

6. Yenza ingxowa-mali kaxakeka

Awusoze uzisole ngokwenza i ingxowa-mali kaxakeka emva komtshato. Le akhawunti yogcino itshixiwe yindlela entle yokubeka imali ecaleni kwiimeko ezingxamisekileyo okanye ezingalindelekanga. Umzekelo: ukuba ulahlekelwa ngumsebenzi wakho, ukuba ulindele umntwana ngokukhawuleza, ukuba uphahla luyavuza, imoto iyaphuka, kwaye uluhlu luyaqhubeka.

Yenza a i-akhawunti yokugcina kuwo omabini amagama akho kwaye usete utshintshiselwano oluzenzekelayo nge-app yakho yebhanki ye-intanethi okanye ujikelezise imali kwi-akhawunti rhoqo ngenyanga. Ingxowa-mali yexesha likaxakeka iya kukhula kancinane ekuhambeni kwexesha kwaye ikunike uxolo lwengqondo xa kwenzeka into obungayilindelanga.

7. Musa ukuyifihla indlela osebenzisa ngayo imali

Ingxaki eqhelekileyo ebangela ungquzulwano emtshatweni yingxaki yokuchitha imali ngokugqithisileyo. Ngenxa yokuba umndilili waseMelika uchitha malunga ne-7 yeedola ngonyaka, ayimangalisi loo nto.

Ukuchitha ixesha elininzi kunokubangela amatyala, kubangele ukungathembani phakathi kwamaqabane, kuze kubonise ukungabi nantlonelo emtshatweni. Ziphephe ezi ngxaki zobudlelwane ngokubonisana neqabane lakho phambi kokuba uthenge izinto ezinkulu kwaye uvule kwaye unyaniseke malunga nemikhwa yakho yokuchitha.

8. Cwangcisa uMhlalaphantsi kwaye wenze iSicwangciso sezindlu kunye

Enye yeengcebiso zethu ezibalulekileyo kwabasanda kutshata kukucwangcisa umhlalaphantsi wabo kunye. Umhlalaphantsi uya kuba yinxalenye enkulu yomtshato wakho.

Eli lixesha apho uphumla, beka iinyawo zakho phezulu kwaye uqale ukuba nexesha elimnandi kunye. Ungawucwangcisela umhlalaphantsi wakho ngokwenza ii-akhawunti zokulondoloza umhlalaphantsi.

Usenokuthetha nomcebisi wezezimali malunga nokutyala imali kunye nokwenza isicwangciso sezindlu njengenxalenye yesicwangciso sakho somhlalaphantsi.

Kubalulekile ukohlula iiphothifoliyo zakho ukuze wakhe ii-akhawunti zakho zomhlalaphantsi ngempumelelo. Ukunciphisa iindleko ezingeyomfuneko kunye nohlahlo lwabiwo-mali ngokufanelekileyo kubo bonke ubomi bakho bokusebenza zikwazingcebiso ezintle zokucwangcisa umhlalaphantsi.

9. Yenza iinjongo zemali njengabasandul 'ukutshata

Elinye lawona macebiso angcono emali kwabasanda kutshata kukwenza iinjongo zemali kunye. Ukuzibekela usukelo kunokukunceda ufezekise imibono yakho emikhulu yobomi!

Xa ubeka usukelo, khumbula ukulwenza lungqale kwaye lube nokulinganiswa. Kukwalungile ukuseta iinjongo zexesha elifutshane, eliphakathi nelide.

Ngokomzekelo, Iinjongo zexesha elifutshane ziya kuba zizinto ezinjengokugcina iiholide okanye iKrisimesi. Ezi iinjongo zidla ngokuba phakathi kweenyanga ezili-12 nezingama-24. Iinjongo zexesha eliphakathi zifuna ukucwangciswa okungakumbi kunye nenkxaso-mali eninzi kuneenjongo zexesha elifutshane. Umzekelo, ukongela imoto okanye intlawulo ephantsi kwindlu.

Iinjongo zexesha elide ziya kuthatha ukucwangcisa ngakumbi kunye nokuzimisela ukufezekisa. Ezi njongo ziquka izinto ezifana nokugcinela umhlala-phantsi okanye ukuhlawula imali-mboleko yakho.

Ke, ukwenza iinjongo zemali lelinye lawona macebiso abalulekileyo kwabasanda kutshata anokukunceda ukuba umisele umbono wobomi bakho kunye.

10. Lungiselela imini yosuku ngexabiso eliphantsi

Elinye lawona macebiso abalulekileyo kwizibini ezisandul’ ukutshata kukufumana ulonwabo, imisebenzi yothando onokuyenza engavuthi ibhajethi yakho. Kulula ukufunxwa kukuphuma nokonwaba, ukutya izidlo ezibiza imali eninzi nokuya kumboniso bhanyabhanya rhoqo, kodwa kunokukhawuleza kubize kakhulu.

Nangona kunjalo, kubalulekile ukubekela bucala ixesha kwaye ube neentsuku zobusuku onokuthatha ithuba kubo.

Kukho iitoni zeengcamango zepati yendlu kumaqabane akwibhajethi! Unokwenza i-fondue, idinga le-spa okanye ulungiselele isidlo kunye. Ukuzonwabisa kunye ngaphandle kokuchitha imali eninzi lelona cebiso lilungileyo lokonga imali kwabo basandul’ ukutshata.

🥀 Isishwankathelo…

Enye yeengcebiso ezilungileyo zezimali onokuthi uzilandele ukuba usandul 'ukutshata kukuhlala unyanisekile malunga namatyala akho, umvuzo, kunye nembali yohlahlo lwabiwo-mali.

Ezemali zomtshato ngumbandela ochukumisayo, kodwa kubalulekile ukuba uxoxe ngazo rhoqo neqabane lakho. Unxibelelwano lungundoqo xa kufikelelwa emtshatweni.

Ezi ngcebiso zemali kwizibini ezisanda kutshata zinokukunceda wenze uhlahlo lwabiwo-mali olungcono, wenze iinjongo, kwaye okona kubaluleke kakhulu, ufumane izinto ezonwabisayo eninokuzenza kunye. Kutheni ungaqalisi ngokuthatha izifundo zethu zezimali zasimahla kunye ukuze sisebenzele impumelelo yezemali!

🥀I-FAQs

Ziziphi iingenelo zokuvula iakhawunti yebhanki edityanelweyo kwabo basandul’ ukutshata?

Ukuvula iakhawunti yebhanki kwenza lula ulawulo lwemali, kuququzelele ukuhlawulwa kweendleko ezidityanisiweyo kwaye komeleza ukungafihli kwezemali phakathi kwesibini.

Ngawaphi amaxwebhu afunwa ngokubanzi ukuvula iakhawunti yebhanki edibeneyo?

Amaxwebhu ezazisi, ubungqina bedilesi kwaye ngamanye amaxesha isatifiketi somtshato siyafuneka xa uvula iakhawunti yebhanki edibeneyo.

Zeziphi izinto ezingeloncedo kwiakhawunti yebhanki edibeneyo?

I-akhawunti yebhanki edibeneyo inokukhokelela ekulahlekelweni kokuzimela kwezemali kwaye, xa kukho ukungavumelani okanye ukwahlukana, ukulawula i-akhawunti edibeneyo kunokuba ngumthombo woxinzelelo.

Indlela yokuphepha iingxabano ezinxulumene ne-akhawunti yebhanki edibeneyo?

Ukunxibelelana ngokukhululekileyo, ukuseka imithetho ecacileyo kwasekuqaleni, kunye nokuchaza iinjongo zemali ekwabelwana ngazo kubalulekile ukuphepha iingxabano ezinxulumene ne-akhawunti yebhanki edibeneyo.

Sishiyele uluvo kwaye wabelane