Ukuqhubeka nesihloko sokulondoloza isabelomali somndeni, sizocabangela imithetho yokugcina isabelomali somndeni. Ezinsukwini zamanje, kunezinhlelo eziningi ezahlukene ezidalelwe ukulandisa ngezimali zomndeni.
Uma ekugcineni futhi unqume ngokungaguquki ukulandelela "indlela" yezimali zakho nyanga zonke, khona-ke ekuqaleni ngeke kukulimaze ukukhumbula imithetho embalwa elula.
Okokuqala, akudingekile neze ukucabangela zonke izindleko kanye neholo lomndeni wakho. Ukuhlela akulula njengoba ucabanga, kuyisinyathelo esibucayi, kuthatha inkathazo nesikhathi esiningi. Udinga ukugcina njalo wonke amarisidi, wenze amanothi angapheli encwadini ekhethekile, noma ufake idatha ohlelweni olukhethekile, olushiwo ngenhla. Ngokushesha noma kamuva, ungase ube nesithukuthezi ngakho konke lokhu, futhi ungase ulahle yonke into phakathi, futhi yile ndlela ofika ngayo kubhajethi yangempela yomndeni. Ezimweni ezinjalo, umuntu akakwazi ukuthembela kakhulu ohlelweni noma. Nakuba inezinzuzo eziningi ngaphezu “kwezibalo ezibhalwe ngesandla”, okubaluleke kakhulu ukuthi ngeke ikwazi ukukukhumbula zonke izindleko. Zama ukuhlela izindleko kancane kancane, khona-ke ngeke ugcwalise ubuchopho bakho kakhulu.
Okwesibili, zama ukuqonda ukuthi kungani udinga lokhu kubalwa. Ukuhlela umndeni kufanele kube nenjongo ecacile. Mhlawumbe ufuna ukonga imali ukuze uthenge ifenisha entsha, izinto zikagesi, amaholide, noma enye into. Zama ukwenza uhlu lwemibuzo ozoyithola impendulo ekupheleni “kokubuyekeza” kwakho.
Abantu abaningi abanokuhlangenwe nakho kule ndaba batusa ukusabalalisa imali ekuqaleni komholo ngesikhathi esifanayo, ukuyibeka emigodini, noma ezimvilophini ezinemibhalo yalokho okuhloswe ngakho.
Kukhona nesistimu yokulandelela izindleko eyenziwe lula. Isibonelo, ufuna ukuthola ukuthi Umndeni wakho noma wena ngokwakho uchitha imali engakanani kulokhu noma lokho kuzijabulisa, ukudla, njll. ngenyanga. Ukuze wenze lokhu, udinga kuphela ukurekhoda lezi zindleko, futhi uzothola kalula impendulo yombuzo wakho.
Okwesithathu, awudingi ukubhala phansi lezi zindleko zemali engapheli ukuze uthenge noma yikuphi ukuthenga okukhulu.
Kodwa futhi kuyenzeka ukuthi ekupheleni kwenyanga thina ngokwethu singaqondi ukuthi imali engaka ingasetshenziswa kuphi, ngoba asithenganga lutho. Yingakho kudingeka ukubalwa kwezimali ukuze kwaziwe ukuthi kwenziwani, kuphi futhi Kungakanani. Makube yinto yokuqala kakhulu, kodwa-ke ngeke kube khona ukungqubuzana namahlazo emndenini, ngeke kudingeke ucabange ukuthi "ungaphila" kanjani kuze kube iholo elilandelayo.
Kukhona futhi i-axiom yokuthi ngokuhlela kahle nokuhlelekile kwezimali, ungafunda okuningi mayelana nezintandokazi nemikhuba yamalungu omndeni wakho.
Ngokuphathelene nezinhlelo zokulawula isabelomali somkhaya, ziwusizo olukhulu ekulawuleni ukusetshenziswa kwemali. Into eyinhloko ukuthi uhlelo olunjalo lulula, kulula ukulusebenzisa, lufinyeleleka ngisho nakubantu abangenayo imfundo yezezimali futhi, yiqiniso, abakhuluma isiRashiya.
Ngalolu hlobo lwezinhlelo ungakwazi:
- gcina irekhodi elijulile lakho kokubili imali engenayo nezindleko zomndeni wonke kanye nelungu ngalinye ngokwehlukana;
- bala izindleko zemali isikhathi esithile;
- qapha inani lezikweletu;
- ungakwazi ukuhlela kalula ukuthenga okubizayo;
- qapha izinkokhelo zemalimboleko nokunye okuningi.
Ukuhlelwa kwesabelomali komndeni kugxilisa umuzwa wokulingana. Uzoyazisa kakhulu imali yakho "oyisebenzele kanzima", uzoyeka ukuthenga okungenangqondo nokungenasidingo.