Le Nkinga Ejwayelekile Ingabhubhisa Amandla Akho

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• Ukuzithiba Kufundwa Okubalulekile
• Ukuzilawula

Ukukhathazeka nganoma yisiphi isisetshenziswa esiyindlala kungasebenzisa indawo ebucayi yobuchopho ebinganikelwa ekuzimiseleni. Kodwa ukukhathazeka ngemali kubi kakhulu ukwedlula zonke. Ukuphikisana ngokwengqondo ngokuthi uzozilinganisa kanjani izikweletu zakho, noma ngabe izinsiza zakho zingavalwa yini, noma ukuthi ungakwazi yini ukuyikhokhela leyo nto ebizayo oyithengile usanda kuthola ingxenye yobuchopho elawula amandla. Lokho kwenza ukuhlela ikusasa nokwenza izinqumo ezinhle kube nzima kakhulu.

Isizathu 2: Izinkinga zemali zinciphisa amandla akho engqondo.

Ukwenza izinto zibe zimbi kakhulu, ukukhathazeka ngemali nakho kunciphisa ikhono lakho lokuxazulula izinkinga. Ngokungakholeki, izinkathazo zemali bezihambisana nokudonsa kwe-IQ ngamaphuzu ayi-9-14, kuya ngesimo esifundwe. Nge-savvy encane yokwenza izinqumo, ungazithola uthatha imali mboleko enenzalo ephezulu enkampanini yoshaka noma usebenzisa imali yerenti ukulungisa imoto yakho. Impilo iba yisimo esiphuthumayo esisodwa emva kwesinye.

Sivame ukusola abampofu ngokuzibangela izinkinga zabo ngokungabi namandla. Kepha uma ufunda ucwaningo olungenhla, uzobona ukuthi, ngokujwayelekile, bekungekhona ukuntuleka kwamandla okudala izinkinga zemali; kwakuyizinkinga zemali ezidale ukuntuleka kwamandla.

Isizathu 3: Ukwenza izinqumo okuqhubekayo kunciphisa amandla.

Ucwaningo oluningi lukhombisile ukuthi "ukukhathala kwezinqumo" -ukuthatha izinqumo ngokulandelana-kuqeda amandla. Ukukhathala kwesinqumo kuchaza ukuthi kungani sinamandla amancane ekupheleni kosuku. Futhi lapho imali iyindlala, zonke izinqumo zezimali ziba nzima. Ngisho nohambo olujwayelekile lokuya esitolo luba uchungechunge lwezinqumo ezibuhlungu.

Isizathu 4: Ukucindezeleka kuqeda amandla.

Zonke izinhlobo zokuxineka zingaqeda amandla, kepha izinkinga zemali kungaba yinkosi yezingcindezi. Izinkinga zemali zingaholela ekuxabaneni komndeni kanye nomthelela empilweni yengqondo. Ukucindezela kwengqondo esibhekene nakho kakhulu, amandla amancane anganikelwa ekuzilawuleni.

Ongakwenza Ngezinkinga Zakho Zemali

Ngabe izinkinga zezezimali zikuqeda amandla namandla akho? Uma kunjalo, khohlwa indlela odla ngayo bese wenza ushintsho empilweni yakho yemali lube yinto ephambili.

Uma kunguwe onenkinga yemali, cabanga ngesinqumo sonyaka omusha esifaka phakathi uhlelo olucacile nolucacile lokuthi ungenza kanjani impilo yakho yezezimali ingabi nezingqinamba. Isibonelo, uma isikweletu sekhadi lesikweletu siyinkinga, nalu uhlelo lwezinyathelo eziyishumi lukaSuze Orman lokulikhokha: Chofoza lapha bese upheqela phansi uye ku- “Paying Off Debt.” Noma ungenza uhlelo oluzokusiza ukuthi wonge okuningi, uzuze ngaphezulu, noma usebenzise imali encane.

Uma OTHANDWAYO enezinkinga zemali kanti ungenayo, le ndatshana, "The Most Wanted Stocking Stuffer - Cash," ebhalwe nguTara Siegel Bernard inikeza izindlela zokusiza. (Uma unenkinga yemali, khumbula isaga ngokufaka imaskhi yeoksijini kuqala.) Cabanga ukuthi ungalikhulisa kanjani ibhalansi lothile lomuntu ngaphandle kokunika amandla wokusebenzisa imali.

Ukuzithiba Kufundwa Okubalulekile

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