Indlela Yokwazi Ukuba Ndinetyala Elithile

Emhlabeni ngokwemali, kubalulekile ukugcina ulawulo olwaneleyo kumatyala ethu kunye nezibophelelo zemali. Nangona kunjalo, ngamanye amaxesha kunokwenzeka ukuba ulahlekelwe ngumbono weentlawulo ezithile ezilindileyo okanye izibophelelo ezenziwe. Ukuphepha imiphumo emibi nokugcina imeko yethu yezemali ilungile, kubalulekile ukwazi indlela yokwazi ukuba kukho into esityala yona. Kule nqaku, siza kuhlolisisa izixhobo ezahlukeneyo kunye neendlela eziya kusivumela ukuba sichonge ngokuchanekileyo ukuba sinamatyala okuhlawula, ngaloo ndlela kusinika ithuba lokuthatha amanyathelo ayimfuneko ukusombulula nayiphi na imeko elindileyo. Ukubona indlela yokufumanisa ukuba utyala into ethile kunokubaluleka ekugcineni uzinzo lwemali kunye nokuphepha iingxaki ezizayo. Qhubeka ufunda ukuze ufumane ujongo olucacileyo malunga nendlela yokuchonga amatyala kwaye usebenze ngexesha elifanelekileyo.

1. Intshayelelo yendlela yokufumanisa ukuba ndinalo naliphi na ityala endingekahlawulwa

Ukufumanisa ukuba unalo naliphi na ityala eliseleyo, kukho amanyathelo ahlukeneyo onokuthi uwalandele. Ngezantsi sibonisa isikhokelo esipheleleyo esiya kukunceda ukusombulula le ngxaki.

1. Hlaziya iirekhodi zakho zemali: Inyathelo lokuqala kukuhlola iirekhodi zakho zemali ukuze uchonge naliphi na ityala eliseleyo. Oku kuquka ukujonga iingxelo zeakhawunti yakho, ii-invoyisi, izivumelwano kunye nazo naziphi na olunye uxwebhu ezinxulumene nentengiselwano yakho yezemali. Kubalulekile ukuba unike ingqwalasela eyodwa kwiintlawulo emva kwexesha okanye iibhalansi ezingekahlawulwa.

2. Nxibelelana nabakweliti bakho: Wakuba ulibonile ityala eliseleyo, uyacetyiswa ukuba uqhagamshelane nabakweliti bakho ngokuthe ngqo ukuze ufumane ulwazi oluthe kratya kwaye ucacise nayiphi na imibuzo onokuba nayo. Buza ngemali etyalwayo, imigaqo yokuhlawula kunye neendlela ezikhoyo zokuhlawula. Ungathethathethana nesicwangciso sentlawulo ukuba awukwazi ukuhlawula ityala ngokukhawuleza.

3. Sebenzisa izixhobo ezikwi-intanethi: Kukho izixhobo ezininzi ze-intanethi ezinokukunceda ubone ukuba unalo naliphi na ityala eliseleyo. Ezi zixhobo zikuvumela ukuba ujonge imbali yakho yetyala kwaye ufikelele kwiingxelo ezineenkcukacha zamatyala akho. Eminye imizekelo Izixhobo ezidumileyo ziingxelo zetyala zasimahla, ezibonisa imbali yakho yetyala kunye nalo naliphi na ityala elingekahlawulwa elibhalwe egameni lakho.

2. Amanyathelo okukhangela ukuba ndinawo na amatyala angekahlawulwa

Ukujonga ukuba unamatyala angahlawulwanga, kubalulekile ukulandela uthotho lwamanyathelo. Apha siza kuchaza indlela yokwenza:

1. Fumana ingxelo yakho yekhredithi: Cela ingxelo yakho yekhredithi kwi-arhente yokunika ingxelo ngetyala. Oku kuya kukunika inkcazo eneenkcukacha yamatyala akho kunye nazo naziphi na iintlawulo oziphosileyo. Kubalulekile ukufumana olu lwazi ukuze ube nomfanekiso opheleleyo wemeko yakho yezemali.

2. Hlaziya ingxelo yakho yetyala: Jonga ngononophelo ingxelo yakho yetyala kwaye ujonge naziphi na iimpawu zamatyala angahlawulwanga. Nika ingqalelo kwiibhalansi ezingekahlawulwa, iintlawulo kade okanye iimali-mboleko ezigwenxa. Ezi zinto ziya kwalatha naliphi na ityala ekufuneka ulilungise.

3. Qhagamshelana nabatyalwayo: Wakuba uchonge amatyala angahlawulwanga, kubalulekile ukuqhagamshelana nababolekisi abafanelekileyo. Xoxa ngeendlela ozikhethayo kunye nabo kwaye useke isicwangciso sentlawulo. Oku kuya kukuvumela ukuba uzisombulule amatyala akho ngempumelelo kwaye iya kubathintela ekuchaphazeni imbali yakho yetyala nangakumbi.

3. Uphononongo lwemali yam yobuqu: isitshixo sokwazi ukuba ndityala into

Uphononongo lwethu iimali zomntu Kubalulekile ukuba sibe nomfanekiso ocacileyo wemeko yethu yezemali nokugqiba ukuba sityala imali na. Le nkqubo ivumela ukuba sihlalutye ingeniso, iindleko, amatyala kunye nokugcina imali esinayo, kunye nokuchonga iindawo ezinokubakho zokuphucula kunye nokwenza izigqibo zemali ezinolwazi.

Okokuqala, kubalulekile ukuqokelela lonke ulwazi olufanelekileyo malunga nezimali zethu. Oku kuquka iziteyitimenti zebhanki, ii-invoyisi, iirisithi kunye nawo nawaphi na amanye amaxwebhu abonisa umvuzo kunye neendleko zethu. Emva kokuba sinawo onke amaxwebhu, sinokwenza i-spreadsheet okanye sisebenzise isixhobo solawulo lwezemali ukuze silungiselele kwaye sihlele le datha ngokulula nangokuchanekileyo.

Sakuba silungiselele yonke idatha yethu yezemali, lixesha lokuyihlalutya kwaye senze ukuxilongwa kwemeko yethu yezoqoqosho. Sinokuqala ngokuhlola umvuzo wethu size siwuthelekise neendleko zethu zenyanga. Kubalulekile ukuchonga nakuphi na ukungalingani kwaye sijonge ukuba sichitha ngaphezulu kunomvuzo wethu. Ukuba kunjalo, sifanele sijonge iindlela zokunciphisa iindleko zethu okanye sandise umvuzo wethu.

4. Ngawaphi amaxwebhu endiwadingayo ukuze ndibone ukuba ndinawo na amatyala endingekahlawulwa?

Ukuze uqonde ukuba unalo naliphi na ityala eliseleyo, kuya kufuneka ube nofikelelo kumaxwebhu abalulekileyo. La maxwebhu aya kukunceda uqokelele ulwazi oluyimfuneko kwaye ulandele ngokusondeleyo imali yakho. Ngezantsi ngamaxwebhu abalulekileyo ekufuneka ube nawo:

• Iziteyitimenti zeakhawunti yebhanki: Qokelela iziteyitimenti zeeakhawunti zakho zebhanki zeenyanga ezimbalwa ezidlulileyo. Ezi nkcazo ziya kukunika irekhodi eneenkcukacha zentengiselwano eyenziweyo kwaye ziya kukuvumela ukuba uchonge nawaphi na amatyala angekahlawulwa.
• Iikhontrakthi zamatyala kunye nee-invoyisi: Hlaziya iikhontrakthi zakho kunye nee-invoyisi ezinxulumene namakhadi okuthenga ngetyala, imali-mboleko yobuqu okanye ezinye iindlela zamatyala. La maxwebhu aya kuba nolwazi oluphambili malunga neentlawulo ezenziweyo kunye nezixa-mali ezingekahlawulwa.
• Ingxelo yetyala: Fumana ikopi ehlaziyiweyo yengxelo yakho yetyala. Le ngxelo iya kukubonisa isishwankathelo esipheleleyo samatyala akho ongekahlawulwa, kuquka ulwazi malunga nababolekisi, iibhalansi zangoku, kunye nembali yokuhlawula.

Wakuba uqokelele la maxwebhu, uya kukwazi ukwenza uvandlakanyo oluneenkcukacha lwemali yakho kwaye ubone ukuba unalo naliphi na ityala osalihlawulayo. Zihlalutye ngononophelo iirekhodi kwaye ugcine umkhondo weemali ezityalwayo. Ukuba ufumana naliphi na ityala elingekahlawulwa, ungaqhagamshelana nabatyalwayo ngokuthe ngqo ukuze ufumane iinkcukacha ezithe chatha kwaye umisele isicwangciso sokusombulula izibophelelo zakho zemali.

Gcina ukhumbule ukuba le nkqubo ingaba nzima kwaye inokufuna uncedo lwezezimali okanye umcebisi wezomthetho. Ukuba unemibuzo okanye ubunzima ekuqinisekiseni amatyala akho oseleyo, cinga ngokufuna uncedo olongezelelweyo ukuqinisekisa ukuba wenza izigqibo ezifanelekileyo kwaye uzisombulule iingxaki zakho zemali. ngempumelelo.

5. Ukusebenzisa izixhobo zemali ukulandelela amatyala am anoko

Ukugcina ulawulo olululo lwamatyala akho, kubalulekile ukusebenzisa izixhobo ezifanelekileyo zemali. Ezi zixhobo ziya kukuvumela ukuba ulandelele ngokuchanekileyo imali yakho kwaye uthintele amatyala akho ukuba aqokelele ngaphandle kolawulo. Ngezantsi zizixhobo eziphambili onokuzisebenzisa kulo msebenzi.

1. Hojas de cálculo: Sebenzisa isixhobo se-spreadsheet, njenge-Excel okanye AmaSpredishithi kaGoogle, iya kukuvumela ukuba urekhode kwaye ulungelelanise amatyala akho ngokucwangcisiweyo. Unokwenza i-spreadsheet kunye neekholamu zegama letyala, inani, ixesha, izinga lenzala, njl. Unokusebenzisa iifomula ukubala amatyala akho ewonke, iintlawulo zenyanga, kunye nexesha eliqikelelweyo lokuwahlawula.

2. Ii-aplikeshini zeselfowuni: Zininzi izicelo zeselfowuni eziyilelwe ngokukodwa ukukunceda ulawule amatyala akho. ngokufanelekileyo. Ezinye zezi apps zikuvumela ukuba ufake ulwazi malunga namatyala akho kwaye ulandelele ngokuzenzekelayo iintlawulo kunye nenzala eyongeziweyo. Ukongeza, uninzi lwazo zikwabonelela ngezixhobo ezongezelelweyo, ezinje ngokubala imali mboleko kunye neengcebiso zokunciphisa amatyala akho.

6. Ukuphanda ii-arhente zamatyala ukwazi imbali yam yamatyala

Ukuphanda ii-credit bureaus kwaye ufumane imbali yam yamatyala, kukho amanyathelo amaninzi endinokuwalandela. Okokuqala, kubalulekile ukuqhagamshelana namaziko amakhulu amatyala kwilizwe lam, njenge-Equifax, i-Experian, kunye ne-TransUnion, ukucela ingxelo yekhredithi. Ezi arhente zibonelela ngeengxelo zonyaka zasimahla endinokuzicela kwi-intanethi okanye ngeposi.

Nje ukuba ndiyifumene ingxelo yam yetyala, kufuneka ndiyiphonononge ngononophelo ukuchonga naliphi na ityala elingekahlawulwa okanye ulwazi olungachanekanga. Ukuba ndifumana naziphi na izitenxo, ndingafaka imbambano kwi-arhente efanelekileyo ukuphanda nokulungisa impazamo. Oku Ingenziwa ngaye iwebhusayithi okanye ngeposi, incamathelisa amaxwebhu axhasa imeko yam.

Ukongeza, kubalulekile ukugcina engqondweni ukuba kukho iinkonzo ze-intanethi ezindivumela ukuba ndibeke iliso kwimbali yam yetyala rhoqo. Ezi zixhobo ziyakundazisa ngalo naluphi na utshintsho okanye umsebenzi okrokrelekayo kwingxelo yam yetyala, zindinceda ndibone kwaye ndisombulule imiba yamatyala ngexesha elifanelekileyo. Ezinye zezi nkonzo zikwabonelela ngeengcebiso zemali kwaye zinike iingcebiso zomntu ngamnye ukuphucula imbali yam yetyala.

7. Zitolikwa njani iingxelo zekhredithi ukuchonga amatyala angekahlawulwa

Iingxelo zetyala zizixhobo ezixabisekileyo zokuvavanya imeko yakho yezemali kunye nokuqinisekisa ukuba unamatyala angekahlawulwa. Kodwa ukutolika ezi ngxelo kunokubonakala kubhidekile ekuqaleni. Nanga amanye amanyathelo angundoqo anokukunceda uziqonde ngcono iingxelo zakho zetyala kwaye ufumanise amatyala angekahlawulwa:

1. Fumana ingxelo yakho yekhredithi: Into yokuqala omawuyenze kukufumana ikopi yengxelo yekhredithi yakho kwii-arhente zokunika ingxelo ngekhredithi. Umthetho uqinisekisa ukuba ufikelela kwingxelo yasimahla ngonyaka ngamnye, ke qiniseka ukuba uyalithatha ithuba. Ungacela ingxelo yakho kwi-intanethi okanye ngeposi.

2. Jonga ukuchaneka kolu lwazi: Wakuba unengxelo yetyala lakho ezandleni zakho, qiniseka ukuba uyayihlolisisa ngenyameko inkcazelo equlethwe kuyo. Khangela naziphi na iimpazamo okanye ukungangqinelani kwiinkcukacha zomntu, imbali yokuhlawula, amatyala angekahlawulwa okanye ii-akhawunti ezivaliweyo. Kubalulekile ukuba uqinisekise ukuchaneka kolu lwazi, njengoko iimpazamo zinokuchaphazela kakubi amanqaku akho etyala..

3. Hlalutya intlawulo yakho kunye nembali yamatyala: Nika ingqalelo ekhethekileyo kwimbali yakho yokuhlawula kunye namatyala angekahlawulwa. Chonga naziphi na ii-akhawunti eziphawulwe ngokuthi “uburheletyo” okanye “umgebenga”, njengoko oku kuthetha ukuba unetyala elingekahlawulwa ekuya kufuneka ulilungise ngokukhawuleza. Kwakhona jonga kwakhona imali etyalwa kwi-akhawunti nganye kunye nayo nayiphi na inzala eyongeziweyo. Oku kuya kukunceda ufumane umbono ocacileyo wokuba utyala malini kwaye kubani.

Khumbula ukuba ukutolika iingxelo zekhredithi kuthatha ixesha kunye nomonde. Ukuba awuziva uzithembile ukwenza oko uwedwa, cinga ngokufuna uncedo kumcebisi wezezimali okanye umbutho ocebisa ngetyala. Ezi ngcali zinokukunika isikhokelo esongezelelweyo kwaye zikuncede uphuhlise isicwangciso sokusombulula naliphi na ityala eliseleyo olichongileyo kwingxelo yakho yetyala.

8. Ukusebenzisa uhlalutyo lwembali yam yokuhlawula ukukhangela amatyala anokwenzeka

Ngokuhlalutya imbali yethu yokuhlawula, sikwimeko enenzuzo yokubona amatyala anokubakho size sithabathe amanyathelo ayimfuneko ukuwacombulula. Ngezantsi ngamanyathelo aphambili esinokuwathatha ukwenza olo hlalutyo lusebenze:

1. Qokelela amaxwebhu afunekayo: Inyathelo lokuqala kukuqokelela zonke iirekhodi ezinxulumene neentlawulo zethu, njengee-invoyisi, iziteyitimenti zebhanki, kunye neerisithi zekhadi letyala. Kubalulekile ukuqinisekisa ukuba unawo onke amaxwebhu ayimfuneko ukwenza uhlalutyo olucokisekileyo.

2. Lungiselela ulwazi: Sakuba sinawo onke amaxwebhu, kuyacetyiswa ukuba siwaququzelele ngokucwangcisiweyo. Singasebenzisa i-spreadsheet okanye isixhobo solawulo lwemali ukurekhoda intlawulo nganye kunye nomhla wayo, isixa, kunye nengqiqo. Oku kuya kuququzelela uhlalutyo lwethu olulandelayo.

3. Chonga iipateni kunye neendlela ezisetyenziswayo: Ngolwazi olucwangcisiweyo, sinokuqala ukuyihlalutya malunga namatyala anokwenzeka. Kubalulekile ukunikela ingqalelo kuzo naziphi na iintlawulo ezidlulelwe lixesha, amanqaku angahlawulwanga, okanye amatyala athe afumba. Kufuneka kwakhona sijonge ukujonga ukuba kukho naziphi na iindlela malunga nokuchitha imali eninzi okanye ukungahambelani kwentlawulo.

9. Iinkampani zokucebisana nabatyalwayo ukuqinisekisa ukuba ndinamatyala

Ukuqinisekisa ukuba unamatyala, kubalulekile ukuba uqhagamshelane neenkampani ezifanelekileyo kunye nababolekisi. Eli nyathelo libalulekile ekufumaneni ulwazi oluhlaziyiweyo noluchanekileyo malunga nezibophelelo zakho zemali. Apha sikunika isikhokelo esineenkcukacha malunga nendlela yokwenza lo mbuzo:

1. Qokelela amaxwebhu akho: Phambi kokuba uqhagamshelane neenkampani kunye nababolekisi ngemali, qiniseka ukuba unawo onke amaxwebhu afanelekileyo esandleni, njengeziteyitimenti zeakhawunti, ii-invoyisi kunye nezivumelwano. Oku kuya kukunceda wenze imibuzo ethile kwaye ube nolwazi oluchanekileyo malunga namatyala akho.
2. Chonga iinkampani kunye nabatyalwayo: Yenza uludwe lwazo zonke iinkampani kunye nabo unamatyala kubo onokuthi unamatyala kubo. Oku kunokubandakanya iibhanki, amaziko emali, iinkampani zamakhadi okuthenga ngetyala, ababoneleli ngeenkonzo kunye nalo naliphi na elinye iziko ocele kulo inkxaso-mali okanye iinkonzo ezinekhontrakthi.
3. Qhagamshelana neenkampani kunye nababolekisa ngemali: Wakuba ulufumene uluhlu, qalisa ukunxibelelana neqela ngalinye. Ungafowunela, uthumele ii-imeyile, okanye undwendwele iiofisi zabo ngokobuqu. Cacisa ngokucacileyo injongo yakho, kukuqinisekisa ukuba uyabatyala, kwaye unike ulwazi olufunekayo, njengegama lakho elipheleleyo, inombolo ye-akhawunti, kunye nazo naziphi na ezinye iinkcukacha abazicelayo.

Kubalulekile ukukhumbula ukuba inkampani nganye kunye nombolekisi banokuba neenkqubo ezahlukeneyo kunye neemfuno zokuqinisekisa amatyala akho. Abanye banokukunika ulwazi ngokukhawuleza, ngelixa abanye banokufuna inkqubo enzima ngakumbi. Landela imiyalelo abakunika yona kwaye ugcine ingxelo yawo wonke umbuzo owenzayo.

Khumbula ukuba kubalulekile ukusombulula naliphi na ityala eliseleyo ukugcina impilo entle yezemali. Wakuba uwaqinisekisile amatyala akho, unokuthatha amanyathelo okulawula nokuwahlawula ngokufanelekileyo. Ungalibazisi ukufuna ingcebiso yengcali ukuba ufuna uncedo lokuthethathethana ngezivumelwano zentlawulo okanye ukuyila isicwangciso semali ukuhlawula amatyala akho. ngokufanelekileyo.

10. Ukwazi njani ukuba ityala lithengiselwe umntu wesithathu kunye nendlela yokuqinisekisa ngayo

Ukwazi ukuba ityala lithengisiwe kumntu wesithathu kunokuba yinkqubo enzima, kodwa ngamanyathelo afanelekileyo unokuqinisekisa ngokufanelekileyo. Apha siza kuchaza indlela yokwenza:

1. Jonga iirekhodi zakho: Into yokuqala into omele uyenze kukuphonononga iirekhodi zakho zemali kwaye ujonge nabuphi na ubungqina bentengiso yetyala. Khangela amaxwebhu okanye unxibelelwano olubonisa ukuba ityala lakho lidluliselwe kumntu wesithathu. Oku kunokubandakanya iileta, ii-imeyile, okanye izaziso kwiakhawunti yakho ye-intanethi.

2. Qhagamshelana nomkweliti wokuqala: Ukuba akufumani bungqina kwiirekhodi zakho, qhagamshelana nomkweliti wokuqala ngqo. Buza ukuba ityala lakho lithengisiwe na kumntu wesithathu kwaye ucele iinkcukacha malunga nentengiselwano. Qinisekisa ukuba unayo inombolo ye-akhawunti yakho kunye naluphi na olunye ulwazi olufanelekileyo olukhoyo olunokunceda ekukhangeleni ityala lakho.

3. Jongana ne-arhente enika ingxelo ngetyala: Enye indlela yokuqinisekisa ukuba ityala lithengisiwe kumntu wesithathu kukuhlaziya ingxelo yakho yetyala. Cela ikopi yengxelo yekhredithi yakho kwi-arhente ethembekileyo yekhredithi kwaye ujonge nawaphi na amangeniso abonisa ukuba ityala lakho lidluliselwe. Ezi ngxelo zihlala zibandakanya icandelo elithile elinikezelwe kwiiakhawunti kunye namatyala ekuqokeleleni.

11. Ukusebenzisa amajelo asemthethweni ukufumana ulwazi malunga namatyala am anokubakho

Ukufumana ulwazi malunga namatyala akho, kubalulekile ukuba uzazi iindlela ezisemthethweni onokuzisebenzisa. Nanga amanye amanyathelo kunye nezixhobo ezinokukunceda kule nkqubo:

1. Ukuphonononga iikhontrakthi zakho kunye nezivumelwano: Into yokuqala omawuyenze kukuphonononga ngenyameko izivumelwano kunye nezivumelwano ozityikityileyo nababolekisi ngemali. La maxwebhu asenokuba nolwazi olufanelekileyo malunga namatyala akho, njengemiqathango yokuhlawula, inzala, kunye neziphumo zokungahlawuli.
2. Cela iingxelo zetyala: Iingxelo zetyala sisixhobo esigqwesileyo sokufumana ulwazi oluneenkcukacha malunga namatyala akho. Ungazicela kwii-credit bureaus, ezifana ne-Equifax, i-Experian okanye iTransUnion. Ezi ngxelo ziya kukubonisa iibhalansi ezingekahlawulwa, iintlawulo ezenziweyo, kunye neenkcukacha zoqhagamshelwano zabakweliti bakho.
3. Cela ulwazi kubakweliti bakho: Ukuba unemibuzo okanye ufuna iinkcukacha ezithe vetshe ngamatyala akho, ungalibazisi ukuqhagamshelana ngqo nabakweliti bakho. Unokubathumelela ileta eqinisekisiweyo enerisithi yokubuya ecela ulwazi oluthile, olufana neengxelo zeakhawunti ezineenkcukacha okanye amalungiselelo entlawulo.

Khumbula ukuba kubalulekile ukugcina irekhodi eneenkcukacha zalo lonke unxibelelwano lwakho kunye neentengiselwano ezinxulumene namatyala akho. Oku kuya kuba luncedo xa ufuna ukubonisa ubungqina okanye ukusombulula iingxabano kwixesha elizayo. Ukongeza, kufuneka ukhumbule ukuba imithetho iyahluka kumazwe ngamazwe, ngoko kuyacetyiswa ukuba ufune iingcebiso zomthetho ezikhethekileyo kwindawo yakho.

12. Ndingenza ntoni xa ndifumanisa ukuba ndinamatyala endingekahlawulwa?

Ukuba ufumanisa ukuba unamatyala angekahlawulwa, kubalulekile ukuba uthathe amanyathelo akhawulezileyo ukusombulula le meko kwaye uphephe ezinye iingxaki zemali. Nanga amanyathelo aphambili ekufuneka uwalandele:

1. Chonga kwaye uhlalutye amatyala akho: Into yokuqala ekufuneka uyenzile kukwenza uluhlu oluneenkcukacha lwamatyala akho onke. Hlaziya iziteyitimenti zeakhawunti yakho, ii-invoyisi, kunye neerekhodi zemali ukuchonga onke amatyala kunye nezixa zawo. Lungelelanisa olu lwazi lube kuluhlu olucacileyo nolufutshane.

2. Beka phambili amatyala akho: Wakuba uwabonile onke amatyala akho, zibeke phambili ngokokubaluleka nokungxamiseka kwazo. Amatyala anenzala ephezulu, njengamakhadi okuthenga ngetyala, afanele aqwalaselwe kuqala. Hlela amatyala akho ngokusekelwe kwinzala, imali oyityalayo kunye nemihla yokuvuthwa. Oku kuya kukunceda ukuseka isicwangciso sokusebenza esifanelekileyo.

13. Amacebo othethathethwano kunye nokuhlawula amatyala am angahlawulwanga

Ngezantsi luluhlu lwe amaqhinga asebenzayo ukulungisa nokuhlawula amatyala angahlawulwanga ngendlela ecwangcisiweyo nenempumelelo:

1. Evaluar la situación: Kubalulekile ukuba uhlalutye ngenyameko imeko yakho yezemali, uchonge onke amatyala angahlawulwanga kwaye wazi isixa esipheleleyo osityalayo. Ukongezelela, kubalulekile ukuhlola imigaqo yentlawulo, inzala, kunye neemfuno ezisemthethweni ezinxulumene nesibophelelo ngasinye.

2. Amatyala abekwe phambili: Xa sele ivavanyiwe, kuyimfuneko ukubeka phambili amatyala ngokokubaluleka kwawo kunye nokungxamiseka kokuhlawula. Abo banenzala ephezulu, izisongelo zomthetho okanye ukuba imbali yomonakalo wetyala kufuneka iqwalaselwe kuqala.

3. Thethana nabatyalwayo: Ukuqhagamshelana nabatyalwayo kunye nokufuna amalungiselelo entlawulo ebhetyebhetye kunokuba luncedo kuwo omabini amaqela. Kuyacetyiswa ukuba ucebise isicwangciso sokuhlawula esinokwenyani, ucingela amandla akho emali kwaye ufune ukuncitshiswa kwenzala okanye izohlwayo. Ukugcina unxibelelwano oluvulekileyo noluselubala kunye nababolekisi ngundoqo ekufumaneni izisombululo ezisebenzayo kunye nokuphepha amanyathelo asemthethweni.

14. Ukubaluleka kokugcina ingxelo ehlaziyiweyo yeemali zam zobuqu ukuphepha amatyala kwixesha elizayo

Ukugcina ingxelo ehlaziyiweyo yezimali zethu zobuqu kubalulekile ukuthintela ukuba netyala lexesha elizayo kunye nokuzuza uzinzo lwexesha elide kwezoqoqosho. Le rekhodi iya kusivumela ukuba sibe nolawulo olupheleleyo kumvuzo wethu, kwiindleko kunye nokugcina imali, nto leyo eya kusinceda senze izigqibo zemali ezinolwazi kwaye siphephe iimeko zamatyala angeyomfuneko.

Ukugcina ingxelo yezemali esexesheni, kukho izicwangciso ezahlukeneyo kunye nezixhobo ezikhoyo. Enye yezona zinto zisetyenziswa kakhulu kukugcina uhlahlo lwabiwo-mali oluneenkcukacha oluquka yonke ingeniso neendleko zethu zenyanga. Kubalulekile ukwahlula iindleko ngokweendidi, ezifana nokutya, izindlu, ezothutho, ukuphumla, phakathi kwezinye, ukuchonga ngokukhawuleza ukuba zeziphi iindawo esichitha imali eninzi okanye encinci.

Esinye isixhobo esiluncedo kukusebenzisa izicelo zolawulo lwemali zobuqu okanye iinkqubo, ezisivumela ukuba sigcine irekhodi elizenzekelayo lemali yethu. Ezi zicelo zikholisa ukuba nemisebenzi efana nokungenisa intengiselwano yebhanki, ukuvelisa iindleko kunye neengxelo zengeniso, kunye nokuseta ii-alam zokusikhumbuza ngemihla yentlawulo kunye nemihla yokuhlawulwa kwamatyala. Kwimarike Kukho iintlobo ngeentlobo zeenketho, zombini zisimahla kwaye zihlawulwe, ngoko ke kubalulekile ukuphanda kwaye ukhethe eyona ifanele iimfuno zethu.

Ukuqukumbela, ukwazi ukuba sityala into ethile kunokuba yinkqubo entsonkothileyo kodwa eyimfuneko yokugcina imali yethu iphantsi kolawulo. Ngobuchule neendlela ezineenkcukacha, sinokubona ngokuchanileyo enoba sinamatyala esingekahlawulwa nokuba asichaphazela ukusa kuwuphi umkhamo. Ukusukela ekujongeni iziteyitimenti zeakhawunti yethu kunye nokuphonononga imbali yethu yetyala ukuya ekunxibelelaneni nababolekisi bethu kunye nokucela iingxelo ezineenkcukacha, kukho izixhobo ezifumanekayo ukwenza uphicotho olucokisekileyo lwemeko yethu yemali.

Kubalulekile ukukhumbula ukuba umntu ngamnye unoxanduva lokulawula ngokufanelekileyo amatyala akhe kunye nokuhlala unolwazi malunga nezibophelelo zabo zemali. Ukungawahoyi amatyala angekahlawulwa kuphela kwenza imeko ibe mandundu yaye kunokukhokelela kwimiphumo enzulu, enjengomonakalo kwimbali yethu yamatyala, iintlawulo zenzala eyongezelelekileyo nemirhumo, kwanamanyathelo angokwasemthethweni.

Ngoko ke, xa sifumanisa ukuba sityala into ethile, kubalulekile ukuba siyilungise ngokukhawuleza loo ngxaki. Enoba kuseka isicwangciso sentlawulo, ukuthethathethana ngeemeko ezintsha nababolekisa ngemali okanye ukufuna iingcebiso ngezezimali, onke la manyathelo aya kusinceda siphephe izinto eziphazamisayo kwixesha elizayo kwaye sibuyisele uzinzo lwethu lwezoqoqosho.

Ngamafutshane, ukwaziswa kunye nokwazi ngezibophelelo zethu zemali kubalulekile ukuphepha izinto ezothusayo kunye nokugcina ulawulo olusempilweni lwemali yethu. Ngokuthatha amanyathelo afanelekileyo kunye nokuthatha amanyathelo akhawulezileyo ukusombulula amatyala ethu, singafumana uxolo lwengqondo kunye nozinzo lwemali sonke esilunqwenelayo.