Indlela yokuheha inhlanhla nemali endlini?

Ukungabi nemali kuvimbela umuntu ngamunye ukuba ahumushe amaphupho akhe, kanti ezinye zazo ziholela ekucindezelekeni okukhulu. Ngokuvamile kwenzeka ukuthi umuntu asebenze okuningi futhi akanalo isikhathi esanele sokuphila kwakhe siqu, kodwa namanje imali ayikho. Yingakho kubalulekile ukwazi ukuheha inhlanhla nemali endlini.

Indlela yokuheha imali nenhlanhla emndenini?

1. Ukuze uhlale unomndeni emndenini, kubalulekile ukuphupha kuphela kokuthengwa okubizayo. Kufanele ucabange okuningi mayelana nokuthi yini oyifunayo futhi into esemqoka ukuqinisekisa ukuthi kuyoba yikho. Ngokuhamba kwesikhathi, imicabango izoqala ukubonakala.
2. Kubalulekile ukuhlela ukuphumula okuhle, khona-ke emndenini kuyohlale kube nemali nenhlanhla njalo. Izinhlelo zokuzilibazisa ziyasebenza kakhulu ekukhanga izimali.
3. Ungakhulumi ngokuntuleka kwemali, ngoba imicabango inezinto okufanele zifakwe ekuphileni. Iphutha elikhulu ukuthi abantu baqala ukukhononda ngomsebenzi wabo, ukuthi abanayo imali eyanele yento. Noma ubani okhononda ngalokhu, udonsela amandla amabi futhi avuselele inhlanhla.
4. Kubalulekile ukucabanga ngemali kaningi ngangokunokwenzeka. Kufanele ukhulume ngezimali njengokungathi kukhona eziningi emndenini futhi zizoba ngokwanele kukho konke abaphupha ngakho. Kubalulekile ukuhumusha konke okuzungezile emanothini asebhange okuheha imali nenhlanhla.
5. Kubaluleke kakhulu ukuzama ukuthola imali yangempela. Kufanele uzibekele umgomo futhi uhambe kuwo, zama ukuthola okuningi ngangokunokwenzeka. Uma umgomo wokuqala ufezwa, ungaya kwesibini nokunye.
6. Isibonakaliso esihle sokuheha imali nenhlanhla emndenini yizifiso. Kunconywa ukubeka amawadi amaningana endlini, bazosiza ukulala emcebweni wendlu kanye nenhlanhla.

Indlela yokuheha inhlanhla nemali esikhwameni?

1. Akufanele ushiye indlu ngaphandle kwemali. Awukwazi ukugcina isikhwama sakho sekhredithi singenalutho, ngisho noma kungekho ukuthenga emaqenjini.
2. Ochwepheshe emkhakheni wezimali bacebisa ukuba baphathe inothi elilodwa lwemali yangaphandle. Kuyasiza ukuheha ngokushesha imali. Imali engcono kakhulu isusiwe ephaketheni elivaliwe ukuze ingadonseli ukunakwa kwabanye.
3. Ngisho noma ungenayo imali eningi esikhwameni sakho, awukwazi ukucabanga kabi ngabo. Imali ayithandi. Yingakho uma umuntu ecabanga kanjalo, ngeke abonakale.
4. Ngeke ube namahloni ngokuchuma kwakho. Imali ithandwa yilabo abazethembayo, futhi amahloni yingxenye yobuntu obuthakathaka.

Indlela yokuheha imali nenhlanhla ebhizinisini?

1. I-Cash kufanele ifakwe imali kumafa, hhayi izikweletu. Kulula kakhulu ukuletha imali ebhizinisini kunomndeni.
2. Kubalulekile ukwenza amalungiselelo ngekusasa - kuhilela ibhizinisi. Yonke ibhizinisi kumele ibe nenqubo ethile yentuthuko. Kungcono ukudweba uhlelo lwe-short-term.

Yimuphi umbala oheha imali nenhlanhla?

Inendima enkulu ekudoneni izimali idlalwa umbala wesikhwama esikhethiwe kahle noma indawo egcinwe kuyo. Umbala oheha imali nenhlanhla uhlale uhlotshaniswa namandla eNsimbi noMhlaba. Eqinisweni, umbala ungaba ngegolide kuze kube mnyama. Imibala eheha inhlanhla nemali:

• umnyama;
• brown futhi yonke shades yayo;
• i-beige;
• igolide;
• isiliva;
• i-orange.

Omunye umbala okhangayo ubomvu - kungumkhumbi oqhakazile futhi othakazelisayo oyoletha inhlanhla kuzo zonke izindaba futhi usize ukulondoloza inani elifanele lemali. Umbala wombala oheha imali, empeleni, uhlukile kakhulu, yingakho ungakhetha into umuntu ayithandayo. Ungakhohlwa ukuthi umbala awusebenzi, ngoba lokhu kuyadingeka ukwenza imizamo. Isikhwama semali esikhwameni kumele sibe semvelo.