Ukususela kumaxesha amandulo, abantu baye basebenzisa iimpawu zabantu ezahlukeneyo ezanceda ukukhangela inhlanhla nokuphucula imeko yabo yezemali. Zonke ezi "mfihlelo" zilula kwaye ziyafumaneka kuwo wonke umntu. Ukuze ufumane oko ufuna, ixabiso elikhulu linokholo kwisiphumo esihle.
Indlela yokukhangela imali kwindlu - iimpawu zabantu
Kukho iinkolelo ezininzi ezinokuthi zithathelwe ingqalelo ukuheha ukuchuma:
- Ukuba umntu ubhala intaka, ngoko kufuneka alindele inzuzo.
- Ukuze ube nemali endlwini, i-broom kufuneka imele nge-panicle up.
- Musa ukugcina imali kwaye uhlale unika izipho. Khumbula ukuba okunikeziweyo kuza kubuya kabini.
- Awukwazi ukuthwala imali kwiifokethi zakho, kuba kubalulekile ukugcina umyalelo, kwaye le ngxowa yenzelwe.
- Ukufumana imali ngokukhawuleza endlwini, emva kokufumana umvuzo, kuyimfuneko ukuyikhusela ekhaya ngokukhuselekileyo. Umlinganiselo wonke kufuneka uchithe ubusuku ekhaya.
- Kwi-wallet kufuneka kubekho umyalelo, oko kukuthi, iibill zithe zatshatyalaliswa ngqo kwaye zenyuka umyalelo. Ungagcini kwiikhredithi zakho zeekhredithi, izicatshulwa ezahlukeneyo zamaphepha kunye nezinye izinto zokuchitha.
Ukutsala njani imali kwiLwesine ecocekileyo?
Ukulungisa imeko yakho yezemali, kufuneka ubale yonke imali endlwini namhlanje, oku kusebenza kuzo zombini iindleko kunye neengqekembe. Imali ibalwa kathathu: xa ilanga liphuma, liza emini. Kubalulekile ukuba akukho mntu ubona indlela oziva ngayo imali.
Indlela yokukhangela imali kwenyanga ekhulayo?
Kukho isenzo esilula kakhulu esinceda ekutsaleni ukuhamba kwemali. Ebusuku, xa inyanga iza kukhanya esibhakabhakeni, kufuneka uthabathe isikhwama sakho ngemali, uyivule uze uyibeke phantsi kwenyanga yokukhanya kwenyanga.
Esinye isithethe senziwa ngosuku lokuqala lwenyanga ekhulayo. Thatha imali emithathu, kwaye isidima sabo asinandaba, kwaye uyifake phantsi komnyango wendlu yangaphambili. Ngeli xesha kuyimfuneko ukuthetha la magama:
"Igolide kwigolide, isiliva yesilivere, imali kwimali, ukuya kule mingcele, kule ndlu."
Yisiphi isikhwama sombala esikhangela imali kunye nenhlanhla?
Ekubeni isikhwama siyinqolobane enkulu yemali, kuyimfuneko ukuyikhetha ngokuchanekileyo kwaye kuqala kokubakho konke okuyimfuneko ukuthobela umbala. Umbala wobutyebi buhlaza. Le ngxowa-mali ayiyi kunceda nje ukunyusa imeko yezemali, kodwa inokunceda ukuchitha imali yazo. Abantu abaninzi banomdla, isikhwama esibomvu sidonsa imali okanye sidimaze imali, ngoko umbala uthatha amandla emali. Kule meko, isikhwama sifuna ukuba iindleko zihlala phantsi, kwaye zenyuka umyalelo. Iingqomfa ezibomvu azikwamkeli isikhwama. Kubantu, i-wallet ebomvu ifanelekile.