Indlela Yokwazi Uma Nginesikweletu Esithile

Emhlabeni ngokwezezimali, kubalulekile ukugcina ukulawula okwanele ezikweletini zethu kanye nezibopho zezimali. Nokho, ngezinye izikhathi kuyenzeka ulahlekelwe umbono wezinkokhelo ezithile ezilindile noma izibopho ezenziwe. Ukuze sigweme imiphumela engemihle futhi sigcine isimo sethu sezezimali sihlelekile, kubalulekile ukwazi ukuthi sazi kanjani uma sikukweleta okuthile. Kulesi sihloko, sizohlola amathuluzi ahlukene nezindlela ezizosivumela ukuthi sibone ngokunembile uma sinezikweletu okufanele sizikhokhe, ngaleyo ndlela zisinike ithuba lokuthatha izinyathelo ezidingekayo zokuxazulula noma yisiphi isimo esilindile. Ukuthola ukuthi unganquma kanjani ukuthi ukweleta okuthile kungabaluleka ekugcineni uzinzo lwezezimali futhi ugweme izinkinga zesikhathi esizayo. Qhubeka ufunde ukuze uthole ukubheka okuningiliziwe kokuthi ungahlonza kanjani izikweletu futhi wenze ngendlela efika ngesikhathi.

1. Isethulo sendlela yokunquma ukuthi nginesikweletu esisilele

Ukunquma ukuthi unaso yini isikweletu esisilele, kunezinyathelo ezahlukene ongazilandela. Ngezansi sethula umhlahlandlela ophelele ozokusiza ukuxazulula le nkinga.

1. Buyekeza amarekhodi akho ezezimali: Isinyathelo sokuqala siwukubuyekeza amarekhodi akho ezezimali ukuze ubone noma yisiphi isikweletu esisilele. Lokhu kuhlanganisa ukuhlola izitatimende ze-akhawunti yakho, ama-invoyisi, izinkontileka nanoma yiziphi enye idokhumenti okuhlobene nokuthengiselana kwakho kwezezimali. Kubalulekile ukuthi unake ngokukhethekile izinkokhelo sekwephuzile noma ibhalansi esele.

2. Xhumana nabakweletayo: Uma ususitholile isikweletu osikweletayo, kuyancomeka ukuthi uxhumane nabakweletayo ngokuqondile ukuze uthole ulwazi olwengeziwe futhi ucacise noma yimiphi imibuzo ongase ube nayo. Buza mayelana nenani elikweletwayo, imigomo yokukhokha nezinketho zokukhokha ezitholakalayo. Ungakwazi futhi ukuxoxisana ngohlelo lokukhokha uma ungakwazi ukukhokha isikweletu ngokushesha.

3. Sebenzisa amathuluzi aku-inthanethi: Kunamathuluzi amaningana aku-inthanethi angakusiza ukuthi ubone ukuthi unesikweletu esisilele yini. Lawa mathuluzi akuvumela ukuthi uhlole umlando wakho wesikweletu futhi ufinyelele imibiko enemininingwane yezikweletu zakho. Ezinye izibonelo Amathuluzi adumile imibiko yezikweletu yamahhala, ekubonisa umlando wakho wesikweletu kanye nanoma yisiphi isikweletu esisele esirekhodwe egameni lakho.

2. Izinyathelo zokuhlola ukuthi nginezikweletu ezingakakhokhelwa yini

Ukuhlola ukuthi unezikweletu ezingakhokhiwe yini, kubalulekile ukulandela uchungechunge lwezinyathelo. Lapha sizochaza ukuthi sikwenza kanjani:

1. Thola umbiko wakho wesikweletu: Cela umbiko wakho wesikweletu enkampanini ebika ngezikweletu. Lokhu kuzokuhlinzeka ngemininingwane enemininingwane yezikweletu zakho kanye nanoma yiziphi izinkokhelo ezigejiwe. Kubalulekile ukuthola lolu lwazi ukuze ube nesithombe esiphelele sesimo sakho sezezimali.

2. Buyekeza umbiko wakho wesikweletu: Hlola ngokucophelela umbiko wakho wesikweletu futhi ubheke noma yiziphi izimpawu zezikweletu ezingakhokhiwe. Naka ibhalansi esele, ukukhokha sekwephuzile noma ukubolekwa imali engamahlongandlebe. Lezi zinto zizokhomba noma yisiphi isikweletu odinga ukusisingatha.

3. Thintana nabakweletwayo: Uma usuzitholile izikweletu ezingakhokhiwe, kubalulekile ukuthintana nabakweletwayo abafanelekile. Xoxa ngezinketho zakho nabo futhi usungule uhlelo lokukhokha. Lokhu kuzokuvumela ukuthi uxazulule izikweletu zakho ngempumelelo futhi izozivimbela ekuthinteni umlando wakho wesikweletu nakakhulu.

3. Ukubuyekezwa kwezimali zami siqu: isihluthulelo sokwazi ukuthi kukhona yini engikweletayo

Ukubuyekezwa kwethu ezezimali zomuntu siqu Kusemqoka ukuba sibe nesithombe esicacile sesimo sethu sezezimali nokunquma ukuthi siyakweleta yini imali. Le nqubo isivumela ukuthi sihlaziye imali engenayo, izindleko, izikweletu nokonga esinakho, kanye nokuhlonza izindawo ezingase zibe ngcono futhi senze izinqumo ezinolwazi lwezezimali.

Okokuqala, kubalulekile ukuqoqa lonke ulwazi olufanele mayelana nezimali zethu. Lokhu kuhlanganisa izitatimende zasebhange, ama-invoyisi, amarisidi kanye nanoma imaphi amanye amadokhumenti abonisa imali engenayo nezindleko zethu. Uma sesinawo wonke amadokhumenti, singakha isipredishithi noma sisebenzise ithuluzi lokuphatha izimali ukuze sihlele futhi sihlukanise le datha ngokwezigaba kalula nangokunembe kakhudlwana.

Uma sesiyihlele yonke imininingwane yethu yezezimali, yisikhathi sokuyihlaziya futhi sihlole isimo sethu somnotho. Singaqala ngokubuyekeza iholo lethu futhi siliqhathanise nezindleko zethu zanyanga zonke. Kubalulekile ukukhomba noma yikuphi ukungalingani futhi sinqume ukuthi sisebenzisa imali engaphezu kwaleyo esiyiholayo. Uma kunjalo, kufanele sifune izindlela zokunciphisa izindleko noma ukwandisa iholo lethu.

4. Yimiphi imibhalo engiyidingayo ukuze nginqume ukuthi nginesikweletu esisilele?

Ukunquma ukuthi unaso yini isikweletu esisilele, uzodinga ukufinyelela kwamanye amadokhumenti abalulekile. Le mibhalo izokusiza ukuthi uqoqe ulwazi oludingekayo futhi ulandelele ngokucophelela izimali zakho. Ngezansi kukhona amadokhumenti abalulekile okufanele ube nawo:

• Izitatimende ze-akhawunti yasebhange: Hlanganisa izitatimende zama-akhawunti akho asebhange zezinyanga ezimbalwa ezedlule. Lezi zitatimende zizokunikeza irekhodi elinemininingwane yokuthengiselana okwenziwe futhi zizokuvumela ukuthi uhlonze noma yiziphi izikweletu ezisele.
• Izinkontileka zezikweletu nama-invoyisi: Buyekeza izinkontileka zakho nama-invoyisi ahlobene namakhadi esikweletu, imalimboleko yomuntu siqu noma ezinye izinhlobo zezikweletu. Lawa maphepha azoqukatha ulwazi olubalulekile mayelana nezinkokhelo ezenziwe kanye namanani asele.
• Umbiko wesikweletu: Thola ikhophi ebuyekeziwe yombiko wakho wesikweletu. Lo mbiko uzokukhombisa isifinyezo esiphelele sezikweletu zakho ezisele, okuhlanganisa ulwazi mayelana nabakweletwayo, amabhalansi amanje, nomlando wokukhokha.

Uma usuwaqoqile la maphepha, uzokwazi ukwenza ucwaningo olunzulu ngezimali zakho bese unquma ukuthi unaso yini isikweletu osikweletayo. Hlaziya ngokucophelela amarekhodi futhi ulandelele amanani akweletwayo. Uma uthola noma yisiphi isikweletu esisele, ungathintana nabakweletwayo ngokuqondile ukuze uthole imininingwane eyengeziwe futhi usungule uhlelo lokuxazulula izibopho zakho zezezimali.

Khumbula ukuthi le nqubo ingaba yinkimbinkimbi futhi ingase idinge usizo lochwepheshe bezezimali noma umeluleki wezomthetho. Uma unemibuzo noma ubunzima ekunqumeni izikweletu zakho ezisele, cabanga ngokufuna usizo olwengeziwe ukuze uqinisekise ukuthi wenza izinqumo ezifanele futhi uxazulule izinkinga zakho zezimali. ngempumelelo.

5. Ukusebenzisa amathuluzi ezezimali ukulandelela izikweletu zami ezingaba khona

Ukugcina ukulawula okuphumelelayo kwezikweletu ongase ube nazo, kubalulekile ukusebenzisa amathuluzi ezezimali afanelekile. Lawa mathuluzi azokuvumela ukuthi ulandelele kahle izimali zakho futhi uvimbele izikweletu zakho ekuqongeleleni ngaphandle kokulawula. Ngezansi amanye amathuluzi abalulekile ongawasebenzisa kulo msebenzi.

1. Amaspredishithi: Sebenzisa ithuluzi lesipredishithi, njenge-Excel noma AmaSpredishithi e-Google, izokuvumela ukuthi urekhode futhi uhlele izikweletu zakho ngendlela ehlelekile. Ungakha ispredishithi esinamakholomu egama lesikweletu, inani, isikhathi, izinga lenzalo, njll. Ungasebenzisa futhi amafomula ukuze ubale izikweletu zakho sezizonke, izinkokhelo zanyanga zonke, kanye nesikhathi esilinganiselwe sokuzikhokha.

2. Izinhlelo zokusebenza zeselula: Kunezinhlelo zokusebenza zeselula ezimbalwa eziklanyelwe ukukusiza ukuphatha izikweletu zakho. ngempumelelo. Ezinye zalezi zinhlelo zokusebenza zikuvumela ukuthi ufake ulwazi mayelana nezikweletu zakho futhi ulandelele ngokuzenzakalelayo izinkokhelo nenzalo enqwabelene. Ukwengeza, eziningi zazo ziphinde zinikeze amathuluzi engeziwe, njengezibali zemalimboleko namathiphu okunciphisa isikweletu sakho.

6. Ukuphenya izinhlangano zezikweletu ukuze ngazi umlando wami wezikweletu

Ukuze ngiphenye ama-credit bureaus futhi ngithole umlando wami wezikweletu, kunezinyathelo ezimbalwa engingazilandela. Okokuqala, kubalulekile ukuthintana nezikhungo ezinkulu zezikweletu ezweni lami, njenge-Equifax, Experian, kanye neTransUnion, ukuze ucele umbiko wezikweletu. Lezi zikhungo zinikeza imibiko yamahhala yonyaka engingayicela ku-inthanethi noma ngeposi.

Uma sengiwutholile umbiko wami wesikweletu, kufanele ngiwubuyekeze ngokucophelela ukuze ngibone noma yisiphi isikweletu esisilele noma ulwazi olungalungile. Uma ngithola noma yikuphi ukungahambi kahle, ngingafaka ingxabano ne-ejensi efanele ukuze ngiphenye futhi ngilungise iphutha. Lokhu Kungenziwa ngokusebenzisa kwakhe iwebhusayithi noma ngeposi, enamathisela amadokhumenti asekela udaba lwami.

Ukwengeza, kubalulekile ukukhumbula ukuthi kunezinsizakalo ze-inthanethi ezingivumela ukuthi ngiqaphe umlando wami wesikweletu ngokuqhubekayo. Lawa mathuluzi azongazisa nganoma yiziphi izinguquko noma umsebenzi osolisayo embikweni wami wesikweletu, angisize ngithole futhi ngixazulule izinkinga zezikweletu ngesikhathi. Ezinye zalezi zinsizakalo ziphinde zinikeze izeluleko zezezimali futhi zinikeze izincomo eziqondene nawe ukuze ngithuthukise umlando wami wesikweletu.

7. Ichazwa kanjani imibiko yezikweletu ukuze kutholakale izikweletu ezisele

Imibiko yezikweletu ingamathuluzi abalulekile okuhlola isimo sakho sezezimali nokunquma ukuthi unezikweletu ezisele. Kodwa ukuhumusha le mibiko kungase kubonakale kudida ekuqaleni. Nazi ezinye izinyathelo ezibalulekile ezingakusiza ukuthi uqonde kangcono imibiko yakho yezikweletu futhi uthole isikweletu esisilele:

1. Thola umbiko wakho wesikweletu: Into yokuqala okufanele uyenze ukuthola ikhophi yombiko wakho wesikweletu kuma-ejensi abika ngezikweletu. Umthetho uqinisekisa ukuthi ufinyelela umbiko wamahhala unyaka ngamunye, ngakho qiniseka ukuthi uyasizakala. Ungacela umbiko wakho ku-inthanethi noma ngeposi.

2. Hlola ukunemba kolwazi: Uma usuphethe umbiko wakho wesikweletu, qiniseka ukuthi ubuyekeza ngokucophelela ulwazi oluqukethwe kuwo. Bheka noma yimaphi amaphutha noma ukushayisana kwemininingwane yomuntu siqu, umlando wokukhokha, izikweletu ezisele noma ama-akhawunti avaliwe. Kubalulekile ukuthi uqinisekise ukunemba kwalolu lwazi, njengoba amaphutha angaba nomthelela omubi kumaphuzu akho esikweletu..

3. Hlaziya umlando wakho wokukhokha kanye nezikweletu: Naka ngokukhethekile umlando wakho wokukhokha nezikweletu ezisasele. Khomba noma yimaphi ama-akhawunti aphawulwe ngokuthi “igebengu” noma “imbuka”, njengoba lokhu kusho ukuthi unesikweletu esisele okuzodingeka usilungise ngokushesha ngangokunokwenzeka. Futhi buyekeza inani elikweletwayo ku-akhawunti ngayinye kanye nanoma iyiphi inzalo enqwabelene. Lokhu kuzokusiza ukuthi uthole umbono ocacile wokuthi ukweleta malini futhi kubani.

Khumbula ukuthi ukuhumusha imibiko yezikweletu kuthatha isikhathi nesineke. Uma ungazethembi ukwenza ngokwakho, cabanga ngokufuna usizo kumeluleki wezezimali noma inhlangano yokwelulekwa ngezikweletu. Lezi zingcweti zingakunikeza isiqondiso esengeziwe futhi zikusize wenze uhlelo lokuxazulula noma yisiphi isikweletu esisele osihlonze embikweni wakho wesikweletu.

8. Ukusebenzisa ukuhlaziya umlando wami wokukhokha ukuze kutholwe izikweletu ezingase zibe khona

Ngokuhlaziya umlando wethu wokukhokha, sisesimweni esihle sokubona izikweletu ezingase zibe khona futhi sithathe izinyathelo ezidingekayo ukuze sizixazulule. Ngezansi ezinye izinyathelo ezibalulekile esingazithatha ukuze sisebenzise lokho kuhlaziya:

1. Qoqa amadokhumenti adingekayo: Isinyathelo sokuqala siwukuqoqa wonke amarekhodi ahlobene nezinkokhelo zethu, njengama-invoyisi, izitatimende zasebhange, namarisidi ekhadi lesikweletu. Kubalulekile ukuqinisekisa ukuthi unawo wonke amadokhumenti adingekayo ukuze wenze ukuhlaziya okuphelele.

2. Hlela ulwazi: Uma sesinawo wonke amadokhumenti, kuhle ukuwahlela ngendlela ehlelekile. Singasebenzisa i-spreadsheet noma ithuluzi lokuphatha izimali ukuze sirekhode inkokhelo ngayinye kanye nedethi yayo, inani, nomqondo. Lokhu kuzokwenza lula ukuhlaziya kwethu okulandelayo.

3. Thola amaphethini kanye nezitayela: Ngolwazi oluhleliwe, singaqala ukulihlaziya ukuze sithole izikweletu ezingase zibe khona. Kubalulekile ukunaka noma yiziphi izinkokhelo ezidlulelwe yisikhathi, amanothi angakhokhelwa, noma izikweletu ezinqwabelene. Kufanele futhi sibheke ukuze sibone ukuthi akhona yini amathrendi mayelana nokusebenzisa ngokweqile noma ukungahambisani nokukhokha.

9. Ukubonisana nezinkampani nabakweletwayo ukuze baqinisekise ukuthi nginezikweletu

Ukuqinisekisa ukuthi unezikweletu, kubalulekile ukuthintana nezinkampani ezifanele kanye nabakweletwayo. Lesi sinyathelo sibalulekile ukuze uthole ulwazi lwakamuva nolunembile mayelana nezibopho zakho zezezimali. Lapha sikunikeza umhlahlandlela onemininingwane yokuthi ungawenza kanjani lo mbuzo:

1. Qoqa amadokhumenti akho: Ngaphambi kokuxhumana nezinkampani nabakweletwayo, qiniseka ukuthi unawo wonke amadokhumenti afanelekile, njengezitatimende ze-akhawunti, ama-invoyisi nezinkontileka. Lokhu kuzokusiza ukuthi wenze imibuzo ethile futhi ube nolwazi olunembile mayelana nezikweletu zakho.
2. Thola izinkampani kanye nabakweletwayo: Yenza uhlu lwazo zonke izinkampani nabakweletwayo ongase ube nezikweletu kubo. Lokhu kungase kuhlanganise amabhange, izikhungo zezezimali, izinkampani zamakhadi esikweletu, abahlinzeki besevisi nanoma iyiphi enye inhlangano ocele kuyo uxhaso lwezimali noma izinsizakalo ezinenkontileka.
3. Xhumana nezinkampani nabakweletwayo: Uma usunalo uhlu, qala ukuxhumana nenye ngayinye yazo. Ungashayela, uthumele ama-imeyili, noma uvakashele amahhovisi abo mathupha. Chaza ngokucacile umgomo wakho, okuwukuqinisekisa ukuthi uyabakweleta, futhi unikeze ulwazi oludingekayo, njengegama lakho eliphelele, inombolo ye-akhawunti, kanye nanoma yimiphi eminye imininingwane abayicelayo.

Kubalulekile ukukhumbula ukuthi inkampani ngayinye kanye nomkweletwayo bangase babe nezinqubo nezimfuneko ezihlukene zokuqinisekisa izikweletu zakho. Abanye bangakunikeza ulwazi ngokushesha, kanti abanye bangadinga inqubo eyinkimbinkimbi. Landela imiyalelo abakunika yona futhi ugcine irekhodi layo yonke imibuzo oyenzayo.

Khumbula ukuthi kubalulekile ukuxazulula noma yisiphi isikweletu esisilele ukuze ulondoloze impilo enhle yezezimali. Uma usuqinisekise izikweletu zakho, ungathatha izinyathelo zokuphatha nokuzikhokhela ngendlela efanele. Ungangabazi ukufuna iseluleko sochwepheshe uma udinga usizo lokuxoxisana ngezivumelwano zokukhokha noma ukuklama uhlelo lwezezimali ukuze ukhokhe izikweletu zakho. ngempumelelo.

10. Ukwazi kanjani ukuthi isikweletu sidayiselwe umuntu wesithathu nokuthi ungasiqinisekisa kanjani

Ukwazi ukuthi isikweletu sidayiselwe omunye umuntu kungaba yinqubo eyinkimbinkimbi, kodwa ngezinyathelo ezifanele ungasiqinisekisa ngempumelelo. Lapha sizochaza ukuthi kwenziwa kanjani:

1. Hlola amarekhodi akho: Into yokuqala okufanele ukwenze ukuhlola amarekhodi akho ezezimali futhi ubheke noma yibuphi ubufakazi bokudayiswa kwezikweletu. Bheka imibhalo noma ukuxhumana okukhombisa ukuthi isikweletu sakho sidluliselwe komunye umuntu. Lokhu kungase kuhlanganise izincwadi, ama-imeyili, noma izaziso ku-akhawunti yakho eku-inthanethi.

2. Thintana nomkweletu wokuqala: Uma ungatholi ubufakazi kumarekhodi akho, thintana nomkweletu wangempela ngqo. Buza ukuthi isikweletu sakho sesidayiselwe omunye umuntu futhi ucele imininingwane mayelana nokuthengiselana. Qiniseka ukuthi unayo inombolo ye-akhawunti yakho kanye nanoma yiluphi olunye ulwazi olubalulekile esandleni olungasiza ekusesheni isikweletu sakho.

3. Hlola nesikhungo esibika ngezikweletu: Enye indlela yokuqinisekisa ukuthi isikweletu sidayiselwe umuntu wesithathu iwukubuyekeza umbiko wakho wesikweletu. Cela ikhophi yombiko wakho wesikweletu enkampanini ethembekile yezikweletu futhi ubheke noma yikuphi okufakiwe okubonisa ukuthi isikweletu sakho sidlulisiwe. Le mibiko ivamise ukufaka isigaba esithile esinikezelwe kuma-akhawunti nezikweletu eziqoqweni.

11. Ukusebenzisa imigudu esemthethweni ukuze ngithole ulwazi mayelana nezikweletu zami ezingase zibe khona

Ukuze uthole ulwazi mayelana nezikweletu ezingase zibe khona, kubalulekile ukuthi wazi izindlela ezingokomthetho ongazisebenzisa. Nazi izinyathelo nezisetshenziswa ezingakusiza kule nqubo:

1. Buyekeza izinkontileka nezivumelwano zakho: Into yokuqala okufanele uyenze ukuhlola ngokucophelela izinkontileka nezivumelwano ozisayine nabakweletayo. Lawa maphepha angase abe nolwazi olufanele mayelana nezikweletu zakho, njengemibandela yokukhokha, amanani enzalo, nemiphumela yokungakhokhi.
2. Cela imibiko yezikweletu: Imibiko yezikweletu iyithuluzi elihle kakhulu lokuthola ulwazi oluningiliziwe mayelana nezikweletu zakho. Ungawacela kuma-credit bureaus, afana ne-Equifax, i-Experian noma i-TransUnion. Le mibiko izokubonisa amabhalansi asele, izinkokhelo ezenziwe, kanye nemininingwane yokuxhumana yabakweletayo.
3. Cela ulwazi kubakweletayo: Uma unemibuzo noma udinga imininingwane eyengeziwe mayelana nezikweletu zakho, ungangabazi ukuthintana nabakweletayo ngokuqondile. Ungabathumelela incwadi eqinisekisiwe enerisidi yokubuyisela ecela ulwazi oluthile, njengezitatimende ze-akhawunti ezinemininingwane noma izinhlelo zokukhokha.

Khumbula ukuthi kubalulekile ukugcina irekhodi elinemininingwane yakho konke ukuxhumana kwakho nemisebenzi ehlobene nezikweletu zakho. Lokhu kuzosiza uma kwenzeka udinga ukwethula ubufakazi noma ukuxazulula izingxabano esikhathini esizayo. Ukwengeza, kufanele ukhumbule ukuthi imithetho iyahlukahluka kuye ngamazwe, ngakho-ke kuyalulekwa ukuthi ufune iseluleko sezomthetho esikhethekile endaweni yakho.

12. Yini okufanele ngiyenze uma ngithola ukuthi nginezikweletu ezingakakhokhi?

Uma uthola ukuthi unezikweletu ongasakhokhi, kubalulekile ukuthatha isinyathelo esisheshayo ukuxazulula isimo futhi ugweme ezinye izinkinga zezimali. Nazi izinyathelo ezibalulekile okufanele uzilandele:

1. Thola futhi uhlaziye izikweletu zakho: Into yokuqala okufanele uyenze ukwenza uhlu olunemininingwane yazo zonke izikweletu zakho ezisele. Buyekeza izitatimende ze-akhawunti yakho, ama-invoyisi, namarekhodi ezezimali ukuze uhlonze zonke izikweletu namanani azo. Hlela lolu lwazi lube uhlu olucacile nolufushane.

2. Beka phambili izikweletu zakho: Uma usuzibonile zonke izikweletu zakho, zibeke phambili ngokubaluleka nokuphuthuma kwazo. Izikweletu ezinenzalo ephakeme, njengamakhadi okuthenga ngesikweletu, kufanele zinakekelwe kuqala. Hlela izikweletu zakho ngokusekelwe kwenzalo, inani olikweletayo kanye nezinsuku zokuvuthwa. Lokhu kuzokusiza ukuthi usungule uhlelo lokusebenza olufanele.

13. Amasu okuxoxisana nokukhokhela izikweletu zami ezingakakhokhelwa

Ngezansi kukhona uchungechunge lwe amasu asebenzayo ukubhekana nokukhokhela izikweletu ezingakhokhiwe ngendlela ehleliwe nephumelelayo:

1. Hlola isimo: Kubalulekile ukuhlaziya ngokucophelela isimo sakho sezezimali, uhlonze zonke izikweletu ezingakhokhiwe futhi wazi isamba semali oyikweletayo. Ukwengeza, kubalulekile ukuhlola imigomo yokukhokha, amanani enzalo, nezimfuneko zomthetho ezihlobene nesibopho ngasinye.

2. Beka phambili izikweletu: Uma sezihloliwe, kuyadingeka ukubeka phambili izikweletu ngokubaluleka kwazo kanye nokuphuthuma kokukhokha. Labo abanemali yenzalo ephakeme, izinsongo ezingokomthetho noma umlando wezikweletu owonakele kufanele kubhekwane nawo kuqala.

3. Xoxisana nabakweletwayo: Ukuxhumana nabakweletwayo nokufuna izinhlelo zokukhokha ezivumelana nezimo kungaba yinzuzo kuzo zombili izinhlangothi. Kunconywa ukwenza isiphakamiso sohlelo lokukhokha olungokoqobo, ucabangela amandla akho ezezimali futhi ufune ukuncishiswa kwenzalo noma izinhlawulo. Ukugcina ukuxhumana okuvulekile nokusobala nabakweletwayo kuyisihluthulelo sokuthola izixazululo ezisebenzayo nokugwema ukuthatha izinyathelo zomthetho.

14. Ukubaluleka kokugcina irekhodi elibuyekeziwe lezimali zami siqu ukuze ngigweme izikweletu esikhathini esizayo

Ukugcina irekhodi elibuyekeziwe lezimali zethu zomuntu siqu kubalulekile ukuze kuvinjwe izikweletu zesikhathi esizayo futhi sifinyelele ukuzinza kwezomnotho kwesikhathi eside. Leli rekhodi lizosivumela ukuthi sibe nokulawula okuphelele kwemali engenayo, izindleko nokonga, okuzosisiza senze izinqumo ezinolwazi lwezezimali futhi sigweme izimo zezikweletu ezingadingekile.

Ukuze ugcine irekhodi lezezimali lakamuva, kunamasu namathuluzi ahlukahlukene atholakalayo. Enye yezinto ezisetshenziswa kakhulu ukugcina ibhajethi enemininingwane ehlanganisa yonke imali engenayo kanye nezindleko zethu zanyanga zonke. Kubalulekile ukuhlukanisa izindleko ngezigaba, njengokudla, izindlu, ezokuthutha, ukuphumula, phakathi kokunye, ukuhlonza ngokushesha ukuthi yiziphi izindawo esisebenzisa kuzo imali eningi noma encane.

Elinye ithuluzi eliwusizo ukusebenzisa izinhlelo zokusebenza zokuphatha izimali zomuntu siqu noma izinhlelo, ezisivumela ukuthi sigcine irekhodi elizenzakalelayo lezezimali zethu. Lezi zinhlelo zokusebenza ngokuvamile zinemisebenzi efana nokungenisa imali yasebhange, ukukhiqiza izindleko nemibiko yemali engenayo, kanye nokusetha ama-alamu ukusikhumbuza ngezinsuku zokukhokha nezinsuku zokukhokha zezikweletu. Emakethe Kunezinhlobonhlobo zezinketho, kokubili mahhala futhi ezikhokhelwayo, ngakho-ke kubalulekile ukwenza ucwaningo lwakho bese ukhetha leyo evumelana kangcono nezidingo zethu.

Sengiphetha, ukwazi ukuthi sikweleta okuthile kungaba inqubo eyinkimbinkimbi kodwa edingekayo ukuze silawule izimali zethu. Ngezindlela nezindlela ezinemininingwane, singakwazi ukunquma ngokunembile ukuthi sinezikweletu esisikweletayo nokuthi zisithinta ngezinga elingakanani. Kusukela ekuhloleni izitatimende zethu ze-akhawunti kanye nokubuyekeza umlando wethu wesikweletu kuya ekuxhumaneni nabakweletwayo nokucela imibiko enemininingwane, akhona amathuluzi okuhlola okuphelele kwesimo sethu sezezimali.

Kubalulekile ukukhumbula ukuthi umuntu ngamunye unomthwalo wemfanelo wokuphatha kahle izikweletu zakhe nokuhlala unolwazi lwakamuva ngezibopho zakhe zezimali. Ukungazinaki izikweletu ezingakhokhiwe kwenza isimo sibe sibi kakhulu futhi kungaholela emiphumeleni engathi sína, njengokulimala emlandweni wethu wezikweletu, izinkokhiso zenzalo eyengeziwe nezinkokhelo, ngisho nezinyathelo ezingokomthetho.

Ngakho-ke, lapho sithola ukuthi kukhona esikukweletayo, kubalulekile ukuthatha isinyathelo ngokushesha ukuze sixazulule inkinga. Kungakhathaliseki ukuthi usungula uhlelo lokukhokha, ukuxoxisana ngezimo ezintsha nabasikweletayo noma ukufuna iseluleko sezezimali, zonke lezi zinyathelo zizosisiza sigweme iziphazamiso zesikhathi esizayo futhi sibuyisele ukuzinza kwethu kwezomnotho.

Ngamafuphi, ukwaziswa nokwazi ngezibopho zethu zezezimali kubalulekile ukuze sigweme izinto ezingalindelekile ezingajabulisi futhi sigcine ukulawula kahle izimali zethu. Ngokuthatha izinyathelo ezifanele nokuthatha izinyathelo zokuxazulula izikweletu zethu, singafinyelela ukuthula kwengqondo nokuzinza kwezezimali sonke esikufisayo.