xhosa.2519.finances
Ngubani olawula imali yekhaya?
Ekugqibeleni ude wadibana nomntu wamaphupha akho kwaye nizimisele ukuchitha ubomi benu kunye - nonwabile. Kodwa ingaba nathetha naye ngemibandela yemali?
INGABA xa nisisibini kufuneka omnye kuni alawule i-akhawunti yebhanki, abhatale amatyala ize ibenguye owabela omnye imali yenyanga? Okanye umntu ufanele abe ne-akhawunti yakhe?
Le mibuzo ayivakali kamnandi kodwa yimibuzo enifanele nizibuze yona xa nizimisele ngothando lwenu nifuna ukutshata okanye nifuna ukuhlala kunye.
Kaloku ezi zinto zezona zohlukanisa abantu!
Akukho nkqubo yokuphatha imali yekhaya ongathi ifanele umntu wonke. Okusebenzela esinye isibini, akulungi kwesinye.
Kodwa zonke iingcali ziyavumelana: eyona nto ibalulekileyo kukuvumelana ngendlela eniza kuqhuba ngayo ningekatshati - okanye ningekahlali kunye.
Enye into kukuba nokuba ngubani orhola kakhulu kunomnye kubalulekile ukuba niqale nithethe ngezinto zexabiso eniza kuzithenga.
Ukufika ekhaya uhamba ngomgrugra weBMW ekubeni bekunzima ukubhatala iCorolla endala ngokuqinisekileyo kuza kwenza ingxabano ekhaya.
Ziziphi iindlela eningakhetha kuzo?
IMALI YAKHO
Xa nisilwa ngemali libalani ngotha-ndo!
AMACEBO
Nyanisekani kwasekuqaleni. Kaloku lo mntu ufuna ukuchitha ubomi bakho bonke naye, ngoko makungabikho mfihlelo.
Ukuba omnye wenu uza kujongana nemali, qinisekani ukuba ngoyena mntu ukwaziyo ukuzicwangcisa kakuhle izinto.
Gcinani imali! Xa iingxaki zemali zingena emnyango; uthando luyataka luphume ngefestile.
Ukuba omnye wenu utsala nzima ngokwasemalini zibuzeni ukuba kutheni. Ingaba kukho phakathi kwenu ongazenziyo ezakhe iimfanelo okanye kukho omosha ngemali yakhe?
1 YOHLULELANANI NGAMATYALA
Izibini ezininzi ziye zifune ukuzimela ngokwasemalini. Umzekelo, ungagqiba kwelokuba indoda yakho ibhatale ibhondi yendlu, okanye irenti, i-inshorensi, ityala lomnxeba, imedical aid kunye netyala lemoto yayo.
Njengomama wekhaya wena ungakhetha ukuthenga ukutya ubhatale netyala lombane namanzi.
Ingasebenza: Uza kubanako ukuzisebenzisela enye yemali eshiyekileyo.
Ingangasebenzi : Lumkela izinto ezenziwa ngemali yakho. Xa wena uhlawula iindleko zezinto ezifana nokutya nolonwabo uza kugqibela ungenanto onokuyikhomba oyenzileyo. Qiniseka ukuba ubhatalela izinto zexabiso ezifana nefenitshala, ukuze ukwazi ukuyibanga xa kusenzeka ezothando zinganihambeli kakuhle.
ICEBO: Kubalulekile ukuphinda nizijonge iindleko zenu rhoqo ukuze kungabikho oqhathekayo.
2 I-AKHAWUNTI ENYE
Umrholo wenu ungene kwi-akhawunti enye, aze amatyala enyanga atsalwe ebhankini.
Ingasebenza: Ningonga imali kwiintlawulo zebhanki. Xa nikwazi ukuzilawula ninganengomso eliqaqambileyo ngokwasemalini.
Ingangasebenzi: Le akhawunti kuza kufuneka ibephantsi kwegama lomnye wenu. Nobabini ninganegunya lokutyikitya nobabini nibe namakhadi kodwa ukuba umnini we-akhawunti uye wasweleka iyavalwa kwangoko. Kanti ukuba omnye wenu akawahlawuli ngendlela amatyala akhe nomabini niba nebala elibi kwiincwadi zamatyala.
ICEBO: Kuhle ukuba neyakho i-akhawunti esecaleni oza kuyisebenzisa ukuzongela imali kungenjalo iStokfela.
3 ABEMNYE UMNTU OJONGANA NEMALI
Wena (okanye indoda yakho) usenokuba awukwazi ukuphatha imali ngoko nigqibe kwelokuba abemnye umntu ojongana nemali.
Ingasebenza: Xa emnye umntu ojongene nemali uza kuyazi kanye imeko yekhaya ngokwasemalini aze acwangcisele iingxaki.
Ingangasebenzi: Ukuba umtshato uye waqhawuka omnye wenu angashiyeka engazi ukuba imali yekhaya iphathwa njani.
ICEBO: Xa nigqibe kwelokuba ibengumntu omnye ophatha imali akuthethi ukuba omnye makabe sebumnyameni ngokuqhubekayo. Naye makubekho into ayenzayo ajonge amaphepha ebhanki ukuze ahlale esazi ngokwenzekayo emalini. [x]
Umbhali: Gavin Foster
