Yiba nokulawula kwethu ezezimali zomuntu siqu Kubalulekile ukuzuza uzinzo kanye nokuphila kahle kwezomnotho. Nokho, izikhathi eziningi Kunzima ngathi ukwazi ukuthi siqale kuphi noma singayihlela kanjani iholo nezindleko zethu. Kulesi sihloko, sizokunikeza amathiphu asebenzayo futhi alula indlela yokuphatha izimali zakho siqu. Sizokufundisa indlela yokwenza isabelomali, indlela yokonga ngempumelelo kanye nokugcina izikweletu zilawulwa. Cha Ungaphuthelwa, sekuyisikhathi sokuthatha isinyathelo futhi uthuthukise isimo sakho sezezimali!

Isinyathelo ngesinyathelo ➡️ Ungayiphatha kanjani imali yakho?

Uzilawula kanjani izimali zakho?

• Hlela iholo lakho kanye nezindleko: Okokuqala okufanele ukwenze Kuyacaca ukuthi yimalini engenayo nokuthi yimalini ephuma ephaketheni lakho. Yenza uhlu lomholo wakho wanyanga zonke kanye nolunye lwezindleko zakho ezingaguquki neziguquguqukayo.
• Beka izinto eziza kuqala: Thola ukuthi yiziphi izidingo zakho eziyisisekelo bese ubeka izinto eziza kuqala. Ungachithi yonke imali yakho ezintweni ezingabalulekile, beka ingxenye yesabelomali sakho ukuze uhlangabezane nezidingo zakho ezibalulekile.
• Lungisa isabelomali: Ngokusekelwe emalini oyitholayo nasezindlekweni, dala ibhajethi yanyanga zonke. Nikeza iphesenti endaweni ngayinye, njengezindlu, ukudla, ezokuthutha, ezokuzijabulisa, ukonga, njll. Qiniseka ukuthi ulawula izindleko zakho ukuze ungeqi.
• Ahorra: Nikela ingxenye yeholo lakho ekongeni. Ungakwazi ukuvula a i-akhawunti yasebhange okukhethekile ukonga kwakho futhi usungule imigomo yesikhathi esifushane neyesikhathi eside. Lokhu kuzokusiza ube nesikhwama sezimo eziphuthumayo futhi ufeze amaphupho akho.
• Paga tus deudas: Uma unezikweletu, kubalulekile ukuthi uzibeke eqhulwini kubhajethi yakho. Beka iphesenti lomholo wakho ukuze uzikhokhele futhi ugweme ukukhiqiza izikweletu ezingadingekile.
• Fundisa ingqondo yakho yezezimali: Funda ngezimali zomuntu siqu. Funda izincwadi, uye kumasemina, noma sesha ulwazi oluthembekile ku-inthanethi. Lokhu kuzokuvumela ukuthi wenze izinqumo ezingcono ngemali yakho futhi uthuthukise isimo sakho sezezimali.
• Gcina irekhodi: Gcina amarekhodi anemininingwane emali engenayo nezindleko zakho. Sebenzisa isipredishithi, uhlelo lokusebenza lweselula, nanoma iyiphi enye indlela ekusiza ukuthi ubone ngeso lengqondo izimali zakho ngokucacile. Lokhu kuzokuvumela ukuthi ubone izindawo lapho unganciphisa khona izindleko futhi ube nokulawula okukhulu kwezimali zakho.
• Hlola futhi ulungise: Buyekeza isabelomali sakho njalo futhi wenze izinguquko uma kudingeka. Impilo yezezimali igcwele izinguquko, ngakho-ke kubalulekile ukuzivumelanisa nezimo nezidingo ezintsha.

Imibuzo Nezimpendulo

Imibuzo evame ukubuzwa: Ungayiphatha kanjani imali yakho?

Indlela yokudala isabelomali sanyanga zonke?

1. Bhala uhlu lwemali engenayo kanye nezindleko zakho zenyanga.
2. Khipha izindleko zakho emalini oyitholayo.
3. Beka imikhawulo esigabeni ngasinye sokuchitha.
4. Lungisa izindleko zakho njengoba kudingeka.
5. Landela njalo izindleko zakho futhi ubuyekeze ibhajethi yakho.

Ungawahlela kanjani ama-akhawunti akho asebhange?

1. Khetha inombolo yama-akhawunti owadingayo.
2. Vula i-akhawunti yokonga yezinhloso zakho zezimali zesikhathi eside.
3. Vula i-akhawunti yokuhlola yezindleko zakho zansuku zonke.
4. Cabangela ukuvula i-akhawunti yokutshala imali uma ufuna ukukhulisa imali yakho.
5. Sebenzisa ukubhanga ku-inthanethi ukuze uphathe ama-akhawunti akho futhi wenze izinkokhelo.

Indlela yokulondoloza imali ngokuphumelelayo?

1. Zibekele imigomo yokonga engokoqobo.
2. Hlela ukonga kwakho ngokuzenzakalelayo.
3. Gwema ukuthenga izinto ngokuxhamazela kanye nezindleko ezingadingekile.
4. Funa izindlela zokunciphisa izindleko, como cancelar suscripciones no utilizadas.
5. Sesha emakethe amanani enzalo engcono kakhulu yokonga kwakho.

Indlela yokunciphisa izikweletu?

1. Bhala zonke izikweletu zakho kanye nenzalo yazo.
2. Beka kuqala ukukhokha izikweletu ezinenzalo ephezulu.
3. Cabangela ukuhlanganisa isikweletu sibe yimalimboleko enenzalo ephansi.
4. Misa uhlelo lokukhokha futhi unamathele kulo.
5. Gwema ukungena ezikweletini ezintsha ube ukhipha ezikhona.

Ungazivikela kanjani izimali zakho?

1. Gcina amagama ayimfihlo evikelekile futhi uwashintshe njalo.
2. Sebenzisa isofthiwe yokulwa namagciwane futhi uyigcine ivuselelwe.
3. Qaphela lapho wenza ukuthengiselana ku-inthanethi futhi uhlole ukuphepha kwe- iwebhusayithi.
4. Hlola izitatimende zakho zasebhange njalo ukuze uthole okwenziwayo okungagunyaziwe.
5. Cabangela ukusebenzisa isevisi yokuqapha izikweletu ukuze uthole ukukhwabanisa okungenzeka.

Ungawuhlelela kanjani umhlalaphansi?

1. Bala ukuthi yimalini ozoyidinga ukuze ulondoloze indlela yakho yokuphila lapho usuthatha umhlalaphansi.
2. Qala ukonga imali yomhlalaphansi ngokushesha ngangokunokwenzeka.
3. Cabangela ukutshala imali kuma-akhawunti omhlalaphansi, njengo-401(k) noma uhlelo lwempesheni.
4. Lungisa utshalomali lwakho njengoba usondela ekuthatheni umhlalaphansi ukuze unciphise ubungozi.
5. Xhumana nomeluleki wezezimali ukuze uthole isiqondiso esiqondene nawe.

Ungawuthuthukisa kanjani umlando wakho wesikweletu?

1. Khokha izikweletu zakho ngesikhathi futhi ngokugcwele.
2. Gcina amabhalansi ekhadi lakho lesikweletu ephansi uma kuqhathaniswa nomkhawulo wakho wesikweletu.
3. Gwema ukuvula ama-akhawunti amaningi esikweletu kokubili.
4. Buyekeza umbiko wakho wesikweletu njalo ukuze uthole amaphutha okungenzeka.
5. Sebenzisa izinhlobo ezahlukene zezikweletu, njengemalimboleko namakhadi esikweletu, ngokuzibophezela.

Ungatshala kanjani imali emakethe yamasheya?

1. Cwaninga futhi ufunde mayelana nezisekelo ze imakethe yamasheya.
2. Zibekele imigomo futhi unqume ukubekezelela kwakho ubungozi.
3. Vula i-akhawunti ye-brokerage eku-inthanethi.
4. Hlukanisa utshalomali lwakho ukuze unciphise ubungozi.
5. Landelela izimali zakho njalo futhi ulungise iphothifoliyo yakho njengoba kudingeka.

Indlela yokusetha imigomo yezezimali?

1. Thola izinhloso zakho zezezimali zesikhathi esifushane, esimaphakathi kanye nezesikhathi eside.
2. Zibekele imigomo eqondile, elinganisekayo, efinyelelekayo, efanele kanye nenqunyelwe isikhathi.
3. Beka phambili imigomo yakho ngokubaluleka kwayo.
4. Hlukanisa imigomo yakho ibe yizinyathelo ezibambekayo.
5. Bheka intuthuko yakho futhi wenze izinguquko lapho kudingeka.

Uzifundisa kanjani izingane zakho ngezimali zomuntu siqu?

1. Khuluma ngokukhululekile ngemali kanye nokubaluleka kokonga.
2. Banike isibonelelo futhi ubafundise ukuphatha imali yabo.
3. Fundisa izingane zakho mayelana nesabelomali nokuthi kanjani isitolo uhlakaniphile.
4. Bameme ukuthi babambe iqhaza emisebenzini yezezimali, njengokuvula i-akhawunti yokonga.
5. Lingisa imikhuba emihle yezezimali futhi unikeze isibonelo esihle.