Ukutsala inhlanhla kunye nemali endlwini?

Ukungabi nemali kuvimbela umntu ngamnye ukuba aguqulele amaphupha akhe, kwaye ezinye zazo zikhokelela ekudakaleni okukhulu. Ngokuqhelekileyo kwenzeka ukuba umntu usebenza kakhulu kwaye akanalo ixesha elaneleyo lobomi bakhe, kodwa ke iimali azibe zikhona. Yingakho kubalulekile ukwazi ukutsala inhlanhla nemali endlwini.

Indlela yokukhangela imali kunye nenhlanhla kwintsapho?

1. Ukuze uhlale unemali kwintsapho, kubalulekile ukuba uphuphe kuphela ukuthengwa kweendleko. Kufuneka ucinge ngento efunayo kwaye into ephambili kukuba uqiniseke ukuba kuya kuba njalo. Ngexesha, iingcamango ziya kuqala ukubonakala.
2. Kubalulekile ukucwangcisa ukuphumla okulungileyo, ngoko kwintsapho apho kuya kuhlala kusekhona imali kunye nenhlanhla. Izicwangciso zokuzonwabisa ziyasebenza kakhulu ekutsaleni imali.
3. Musa ukuthetha ngokungabikho kwemali, kuba iingcamango zinepropati ebomini ebomini. Impazamo enkulu kukuba abantu baqala ukukhalazela ngomsebenzi wabo, ukuba abanayo imali eyaneleyo nantoni na. Nabani na okhononda ngolu hlobo, utsala amandla ambi kwaye uyabuyisela inhlanhla.
4. Kubalulekile ukucinga ngemali rhoqo ngangokunokwenzeka. Kufuneka uxoxe ngemali njengokuba kukho ezininzi kwiintsapho kwaye ziya kuba zanele kwinto ephuphayo. Kubaluleke kakhulu ukuguqulela yonke into ecaleni kwakho kwiibhanki zebhanki ezenza umdla kunye nenhlanhla.
5. Kubaluleke kakhulu ukuzama ukufumana impumelelo yangempela. Kufuneka uzibekele injongo uze uhambe kuyo, zama ukufumana okungangoko. Xa umgomo wokuqala ufezekileyo, unako ukuya kwesibini kunye njalo.
6. Isibonakaliso esihle sokutsala imali kunye nenhlanhla kwintsapho iyimfesane. Kucetyiswa ukubeka iiwadi eziliqela endlwini, ziya kunceda ukulala kwindawo yengcebo nenhlanhla.

Indlela yokukhangela inhlanhla nemali kwisikhwama?

1. Akufanele ushiye indlu ngaphandle kwemali. Awukwazi ukugcina i-wallet yakho ingenanto, nokuba akukho nto kuthengwa kwiiplani.
2. Iingcali zecandelo lezemali licebisa ukuba ziphathwe kunye nenqaku elilodwa lwemali yangaphandle. Inceda ukukhawuleza ukutsala imali. Imali iphambili isuswe kwipokothini evaliweyo ukwenzela ukuba ingabhenki abanye.
3. Nangona unayo imali eninzi kwisikhwama sakho, awukwazi ukucinga kakubi ngabo. Imali ayithandi. Kungenxa yoko ukuba umntu ecinga njalo, akayi kubonakala.
4. Awuyi kuba neentloni ngokuphumelela kwakho. Imali ithandwa ngabantu abanokuzithemba, kunye neentloni yinkalo yobuntu obuthathaka.

Indlela yokukhangela imali kunye nenhlanhla kwishishini?

1. Iimali kufuneka zityalwe kwiifa, kungekho matyala. Kulula kakhulu ukuletha imali kumashishini kunentsapho.
2. Kubalulekile ukwenza izicwangciso ngekamva-lijongene nezoshishino. Yonke ishishini kufuneka ibe nolunye uhlobo lwesicwangciso sophuhliso. Kukulungele ukudala isicwangciso sexesha elifutshane.

Nguwuphi umbala okhangela imali kunye nenhlanhla?

Inendima enkulu ekutsaleni imali idlalwa ngumbala wesikhwama esikhethwe kakuhle okanye indawo abagcinwa kuyo. Umbala okhangela imali kunye nenhlanhla ihlala ihambelana namandla oMnatha kunye noMhlaba. Enyanisweni, umbala unako ukusuka kwigolide ukuya kumdaka. Imibala eheha inhlanhla nemali:

• abamnyama;
• emdaka kunye nayo yonke imithunzi yayo;
• beige;
• golide;
• si livere;
• iorandi.

Omnye umbala okhangayo ubomvu - luhlobo oluqhakazile kwaye olunomdla oluza kuzisa inhlanhla kwimicimbi yonke kwaye luncede ukugcina imali efanelekileyo. Iskimu sombala esikhangela imali, ngokwenene, ihluke kakhulu, yingakho unokukhetha into umntu ayithandayo. Ungalibali ukuba umbala nje awusebenzi, ngenxa yoko, kubalulekile ukwenza imizamo. Impahla yesikhwama kufuneka ibe yendalo.