Amathiphu ayi-1 ezezimali kwabasanda kushada

Ukuqala impilo yakho entsha njengabasanda kushada kusho ukuxuba imihlaba yakho, futhi lokho kubandakanya nezezimali zakho. Ukukhuluma ngezimali zakho kungase kungabi isiqalo sezingxoxo zothando, kodwa kuyisihloko esibalulekile ukuba sibe nakho. Yingakho ngiUkuthola iseluleko esingcono kakhulu sezezimali kwabasanda kushada kubalulekile lokho kuzokusiza ukuphatha imali yakho ngendlela engcono kakhulu.

Ngisho noma benivele nihlala ndawonye ningakashadi, indlela eniphatha ngayo imali izoshintsha uma seniba ngabalingani abasemthethweni. Kungase kube nzima ukukhuluma ngalezi zindaba zemali ekuqaleni, kodwa kuzothuthukisa isimo sakho amakhono okuxhumana futhi izogwema noma yikuphi ukungaqondi kahle kwezezimali esikhathini esizayo.

Ukwengeza, ukusebenza njengeqembu ngezimali zakho kuzoqinisa ubudlelwano bakho futhi kukusize ukufeza imigomo yakho yezezimali ndawonye ! Kulesi sihloko, ngolwazi lwami oluncane njengosanda kushada, ngabelana nawe ngamathiphu angakusiza ukuphatha izimali zakho uma usanda kushada.

Asihambe

🥀 Kungani ukuphatha izimali kubalulekile njengombhangqwana?

Ukuphathwa kwezimali phakathi kwabashadikazi kubaluleke kakhulu ekuzinzeni nasekuzwaneni kobudlelwano. Ngempela, indlela ozakwethu abaphatha ngayo imali ingaba nomthelela omkhulu kwezezimali zabo, inhlalakahle yemizwa kanye nobude besikhathi sobudlelwano babo.

Ukugwema izingxabano ezihlobene nemali

Enye yezinzuzo eziyinhloko zokuphathwa kwezimali ngempumelelo njengombhangqwana ukuvimbela ukungqubuzana ehlobene nemali. Ukungavumelani ngokusetshenziswa kwemali, izikweletu kanye nemigomo yezezimali kungabulimaza ngokushesha ubuhlobo. Ngokusungula ukukhulumisana okuvulekile kanye nokusebenzisana ndawonye ukwakha uhlelo lwezezimali, imibhangqwana ingagwema eziningi zalezi zingxabano futhi iqinise ubuhlobo babo.

Ukuqinisekisa ukuzinza kwezezimali kwekhaya

Ukuphatha kahle izimali kusiza ekuqinisekiseni ukuzinza kwekhaya. Ngokuhlela isabelomali, ukonga izinto ezingalindelekile kanye nokutshala imali esikhathini esizayo, imibhangqwana ingabhekana kangcono nezinkinga zokuphila futhi igweme ukucindezeleka ngokwezimali okungadingekile.

Yenza kube lula ukufezwa kwezinjongo ezifanayo

Kungakhathaliseki ukuthi ukuthenga umuzi, ukuhlela uhambo noma ukulungiselela umhlalaphansi, ukuphathwa kwezimali okuphumelelayo kusiza imibhangqwana ukuba ifinyelele imigomo yayo ehlanganyelwe. Ngokusebenzisana ukuze kuzuzwe lezi zinyathelo ezibalulekile zezezimali, ozakwethu baqinisa ukusebenzisana kwabo futhi baqinise ukuzinikela kwabo bobabili.

Qinisa ukwethembana nokungafihli ebudlelwaneni

Okokugcina, ukuphathwa kwezimali okusobala nokungenzeleli kuqinisa ukwethembana phakathi kwabashadile. Ngokwabelana ngezibopho zezezimali kanye nokwethembeka ezindabeni zemali, ozakwethu bakha ukwethembana okuphumela kahle kuzo zonke izici zobudlelwano babo.

🥀 Amathiphu ayi-10 ezezimali kwabasanda kushada

Ungavumeli izindaba zakho zemali zikuphazamise ebudlelwaneni bakho. Nawa amathiphu angu-10 kwabasanda kushada ukuze bagcine izimali zabo zihlelekile!

1. Khuluma ngomlando wezezimali womndeni wakho

Ukuxoxa ngomlando wakho wezezimali womndeni kungenye yamathiphu abaluleke kakhulu ongawenza uma ushadile. Ukukhuluma ngomlando womndeni wakho ngemali kuyindlela enhle yokuvula ingxoxo mayelana nezimali zomshado wakho.

Veza indlela abazali bakho ababeyiphatha ngayo imali, lokho owakufunda kubo Ukuqhubeka kwezimali nokuthi bakufundise kanjani ukonga noma ukuchitha kungaba ulwazi oluwusizo kubabhangqwana.

Ingakusiza futhi ukuthi unqume ukuthi ingabe unokungavikeleki kwezezimali njengefa noma unokuvinjwa kwemali okudingeka usebenzele kukho. Ngale ndlela, ningakhuluma nabo njengeqembu futhi nisebenzele impumelelo yezezimali!

2. I-akhawunti yasebhange ehlanganyelwe yabasanda kushada

Uma unquma ukuvula a i-akhawunti yasebhange ehlanganyelwe njengabasanda kushada, uzodinga ukuvakashela ibhange olithandayo. Uma usufikile, uzodinga ukwethula umazisi wakho, ubufakazi bekheli kanye nesitifiketi somshado ukuze uqedele inqubo yokuvula i-akhawunti.

Kubalulekile ukuxoxa ngokuningiliziwe ngamalungiselelo okuphathwa kwe-akhawunti nowakwakho, njengezimvume zokuhoxiswa, izibopho zezezimali, nokuthi amadiphozithi nokuhoxiswa kuzosingathwa kanjani. Ngokusungula ngokucacile le migomo kusukela ekuqaleni, ungagwema ukungezwani futhi uphathe izimali zakho ngempumelelo njengombhangqwana.

Ukuvula i-akhawunti yasebhange ehlanganyelwe kunikeza inzuzo yokwenza lula ukuphathwa kwezimali kwabasanda kushada, ngokuhlanganisa imali engenayo yomndeni kanye nezindleko. Lokhu kungenza kube lula ukukhokha izikweletu ezihlanganyelwe futhi kuzuze ukonga ngokuhlanganyela. Ngaphezu kwalokho, i-akhawunti ehlanganyelwe ingaqinisa ukubonakala kwezezimali phakathi kwabashadikazi.

Nokho, lokhu kusho nokulahlekelwa ukuzimela ngokwezimali, njengoba umnikazi ngamunye enokufinyelela okulinganayo ezimalini. Ukwengeza, uma kwenzeka kunokungaboni ngaso linye noma ukwehlukana, ukuphatha i-akhawunti ehlanganyelwe kungaba umthombo wokungezwani. Ngakho-ke kubalulekile ukuxhumana kahle nokuchaza imithetho ecacile zisuka nje.

3. Dala ibhajethi embalwa

Uma senishadile futhi nihlala ndawonye, ​​uzodinga ukwakha isabelomali somndeni sanyanga zonke njengombhangqwana. Okokuqala, thola iholo lakho lanyanga zonke owabelane ngalo.

Okulandelayo, yenza uhlu lwezindleko zakho njengezikweletu zanyanga zonke, ezokuzijabulisa, Izindlu ezibolekiwe, umshwalense, kanye nemalimboleko nezinye izikweletu. Uma usulufundile lolu hlu, nqamula izindleko ezingabalulekile.

Ukuba nebhajethi kuzokunikeza ukuqonda kangcono ukuthi yimalini okufanele uyingenise nyanga zonke futhi kukusize ukwazi ukubhekana nezikweletu futhi ugweme ukusebenzisa imali ngokweqile. Lesi ngesinye sezeluleko ezibaluleke kakhulu zokuthi imibhangqwana esanda kushada niyisebenzise ezimalini zenu.

4. Xoxisanani njalo ngezimali nowakwakho

Izimali zakho zomshado akudingeki zishanelwe ngaphansi kwengubo. Izimo nakanjani zizoshintsha ngezikhathi ezahlukene empilweni yakho yomshado. Ngakho-ke zijwayeze ukubuyekeza izimali zakho nyanga zonke noma kabili ngenyanga ukuze uqiniseke ukuthi uhlala uyiqiniso. kusabelomali sakho sasekhaya.

Iseluleko sethu kwabasanda kushada siwukwenza kube ingxoxo emnandi. Yebo, imali iyindaba ebucayi kodwa kungcono ukuxhumana kahle. Mhlawumbe hlela ingxoxo yokuqongelela imali ye-dessert futhi ujabulele ikhekhe elimnandi ngenkathi ukhuluma ngemali.

5. Thembeka ngesikweletu sakho

Iseluleko somshado esisebenza kuzo zonke izici zobudlelwano benu yilesi: thembeka koshade naye. Lokhu kuyiqiniso ikakhulukazi uma kukhulunywa ngemali. Ngeke ufune ukwenza ihaba ngomholo wakho, noma uqambe amanga ngenani lezikweletu zakho.

Abaningi bathola isikweletu sinamahloni, kodwa iqiniso liwukuthi abantu abaningi banezikweletu esikhathini esithile ekuphileni kwabo. Kungaba imali mboleko yabafundi, isikweletu sekhadi lesikweletu, imali ebolekiwe, noma imali mboleko yemoto. Noma iyiphi indlela, tshela umlingani wakho nganoma iyiphi imali oyikweletayo ngaphambi kokuba ushade.

Uma senixoxile ngezikweletu zenu ngokukhululekile, kwenzeni umgomo wenu ukuzixazulula njengombhangqwana. Ungase ungabi nomuzwa wokuthi kuwumthwalo wakho ukukhokha isikweletu owasiqongelela ngaphambi kokuba nithandane.

Nokho, isikweletu sabo singenza kube nzima kuwe ukuboleka imali noma ukuthenga indlu ndawonye. Futhi, uma sezixhunywe ku-akhawunti yakho yasebhange, uba nesibopho ngokusemthethweni sanoma yiziphi izikweletu onazo emshadweni. Ngakho-ke, ungakwazi ukunciphisa izikweletu zakho ngokushesha uma nikwenza ndawonye.

Ukusho nje njengoba ngisanda kwenza kubonakala kulula kakhulu kodwa akunjalo ngaso sonke isikhathi. Ngakho-ke, nginqume ukwabelana nawe ngesifundo sokuqeqeshwa kwe-premium engangisithenge ku-inthanethi futhi esangisiza ngempela ukuqeda izikweletu zami eminyakeni emibili edlule. Chofoza kulesi sixhumanisi uma nawe ufuna ukuthenga lokhu kuqeqeshwa.

6. Dala isikhwama sezimo eziphuthumayo

Awusoze wazisola ngokwenza a isikhwama sezimo eziphuthumayo ngemva komshado. Le akhawunti yokulondoloza ekhiyiwe iyindlela enhle yokubeka imali eceleni yezimo eziphuthumayo noma izehlakalo ezingalindelekile. Isibonelo: uma ulahlekelwa umsebenzi wakho, uma ulindele umntwana ngokuzumayo, uma uphahla luvuza, imoto iyaphuka, futhi uhlu luyaqhubeka.

Dala a i-akhawunti yokonga kuwo womabili amagama akho bese usetha ukudluliswa kwemali okuzenzakalelayo ngohlelo lwakho lokusebenza lokubhanga ku-inthanethi noma uguqule imali uyifake ku-akhawunti nyanga zonke. Isikhwama sezimo eziphuthumayo sizokhula kancane ngokuhamba kwesikhathi futhi sikunikeze ukuthula kwengqondo uma kwenzeka okuthile obungakulindele.

7. Ungayifihli indlela osebenzisa ngayo imali

Inkinga evamile edala ukungezwani emshadweni yinkinga yokusebenzisa imali ngokweqile. Uma kubhekwa ukuthi umuntu waseMelika ojwayelekile uchitha cishe u-$7 ngonyaka, lokho akumangazi.

Ukusebenzisa imali ngokweqile kungaqongelela izikweletu, kubangele ukungathembani phakathi kwabalingani, futhi kubonise ukuntuleka kwenhlonipho emshadweni. Gwema lezi zinkinga zobudlelwano ngokubonisana nomlingani wakho ngaphambi kokuthenga izinto ezinkulu futhi uvuleke futhi uthembeke mayelana nemikhuba yakho yokuchitha.

8. Hlelani Ukuthatha Umhlalaphansi futhi Nidale Uhlelo Lwezindlu Ndawonye

Elinye lamathiphu ethu abaluleke kakhulu kwabasanda kushada ukuhlela umhlalaphansi wabo ndawonye. Ukuthatha umhlalaphansi kuzoba yingxenye enkulu yomshado wakho.

Lesi yisikhathi lapho uphumule, uphakamise izinyawo zakho futhi uqale ukuba nesikhathi esimnandi ndawonye. Ungakwazi ukuhlela umhlalaphansi wakho ngokudala ama-akhawunti okonga omhlalaphansi.

Ungakwazi futhi ukukhuluma nomeluleki wezezimali mayelana nokutshala imali nokudala uhlelo lwezindlu njengengxenye yohlelo lwakho lomhlalaphansi.

Kubalulekile ukuhlukanisa amaphothifoliyo akho ukuze wakhe ama-akhawunti akho omhlalaphansi ngempumelelo. Ukunciphisa izindleko ezingadingekile kanye nesabelomali ngendlela efanele kuyo yonke impilo yakho yokusebenza nakho kuyiziphakamiso ezinhle zokuhlela umhlalaphansi.

9. Dala imigomo yezezimali njengabasanda kushada

Elinye lamathiphu angcono kakhulu ezezimali kwabasanda kushada ukudala imigomo yezezimali ndawonye. Ukuzibekela imigomo kungakusiza ufeze imibono yakho emikhulu yempilo!

Lapho ubeka imigomo, khumbula ukuyenza icace futhi ilinganiseke. Kuhle futhi ukuzibekela imigomo yesikhathi esifushane, esimaphakathi kanye neside.

Isibonelo, Imigomo yesikhathi esifushane ingaba izinto ezifana nokongela amaholide noma uKhisimusi. Lezi imigomo ivamise ukuba phakathi kwezinyanga eziyi-12 nezingama-24. Imigomo yesikhathi esimaphakathi idinga ukuhlela okwengeziwe kanye noxhaso oluningi kunezinhloso zesikhathi esifushane. Isibonelo, ukongela imoto noma inkokhelo encane yendlu.

Imigomo yesikhathi eside izodinga ukuhlela okwengeziwe nokuzimisela ukuze kuzuzwe. Le migomo ihlanganisa izinto ezifana nokonga isikhathi sokuthatha umhlalaphansi noma ukukhokha imali mboleko yakho.

Ngakho-ke, ukudala imigomo yezezimali kungenye yamathiphu abaluleke kakhulu kwabasanda kushada angakusiza ukuthi nisungule umbono wempilo yenu ndawonye.

10. Hlela ubusuku bedethi obungabizi kakhulu

Elinye lamacebiso abaluleke kakhulu kubashadikazi abasanda kushada ukuthola izinto ezijabulisayo, ezothando ongayenza ezingashayi ibhajethi yakho. Kulula ukudonswa wukuphuma nokuzithokozisa, ukudla izidlo zakusihlwa ezibizayo nokuya kumamuvi njalo, kodwa kungabiza ngokushesha.

Nokho, kubalulekile ukubekela eceleni isikhathi futhi ube nezinsuku zezinsuku ongazisebenzisa ngokunenzuzo.

Kukhona amathani emibono yephathi yasendlini yabashadile ngesabelomali! Ningakwazi ukuhlela i-fondue, i-aphoyintimenti ye-spa noma nilungiselele ukudla ndawonye. Ukuzijabulisa ndawonye ngaphandle kokuchitha imali eningi kuyiseluleko esingcono kakhulu sokonga imali kwabasanda kushada.

🥀 Faka kabusha…

Elinye lamacebiso angcono kakhulu ezezimali ongalilandela uma usanda kushada ukuthi uhlale uthembekile mayelana nezikweletu zakho, imali engenayo, nomlando wesabelomali.

Izimali zomshado ziyindaba ethinta inhliziyo, kodwa kubalulekile ukuthi uxoxe ngazo njalo nomlingani wakho. Ukukhulumisana kubalulekile uma kuziwa emshadweni.

Lawa macebiso ezezimali kwabasanda kushada angakusiza wenze ibhajethi kangcono, udale imigomo, futhi okubaluleke kakhulu, uthole izinto ezijabulisayo eningazenza ndawonye. Kungani ungaqali ngokuthatha izifundo zethu zezezimali ndawonye ukuze sisebenzele impumelelo yezezimali!

🥀Imibuzo Evame Ukubuzwa

Yiziphi izinzuzo zokuvula i-akhawunti yasebhange ehlanganyelwe yabasanda kushada?

Ukuvula i-akhawunti yasebhange ehlanganyelwe kwenza ukuphathwa kwezimali kube lula, kusiza ukukhokhwa kwezindleko ezihlanganyelwe futhi kuqinisa ukubonakala kwezimali phakathi kwabashadikazi.

Imaphi amadokhumenti ngokuvamile adingekayo ukuze uvule i-akhawunti yasebhange ehlanganyelwe?

Omazisi, ubufakazi bekheli kanye ngezinye izikhathi nesitifiketi somshado ngokuvamile kuyadingeka lapho uvula i-akhawunti yasebhange ehlangene.

Yibuphi ububi be-akhawunti yasebhange ehlanganyelwe?

I-akhawunti yasebhange ehlanganyelwe ingaholela ekulahlekelweni ukuzimela ngokwezimali futhi, uma kwenzeka ukungaboni ngaso linye noma ukwehlukana, ukuphatha i-akhawunti ehlanganyelwe kungaba umthombo wengxabano.

Ungazigwema kanjani izingxabano ezihlobene ne-akhawunti yasebhange ehlanganyelwe?

Ukuxhumana ngokukhululekile, ukusungula imithetho ecacile kusukela ekuqaleni, nokuchaza imigomo yezezimali eyabiwe kubalulekile ukuze kugwenywe izingxabano ezihlobene ne-akhawunti yasebhange ehlangene.

Sishiyele amazwana futhi wabelane