Imali ingenye yezinto eziqanjwe isintu eziphikisana kakhulu. Zingenye yezimbangela ezinkulu zedivosi nezingxabano. Kwabashadikazi abaningi abanezintshisekelo ezifanayo namagugu afanayo, lesi ukuphela kwesikhubekiso. Umeluleki wezezimali u-Andy Bracken unikeza amathiphu ayishumi okuthi ungaqondisa kanjani ubudlelwano bezezimali nozakwethu ngendlela enokuthula.
Xoxa ngezingozi. Ngokwesiko amadoda athambekele kakhulu ekutshalweni kwezimali okuyingozi okuthembisa imivuzo emikhulu: isibonelo, maningi amathuba okuthi adlale i-stock exchange. Abesifazane, njengomthetho, basebenza kakhulu kunozakwethu, bakhetha ukutshalwa kwezimali okuphephile - bakhululeke kakhudlwana ukuvula i-akhawunti yasebhange. Ngaphambi kokuxoxa ngamathuba athile okutshala imali, thola ukuvumelana endabeni yokuphepha.
Kanye kanye, thuthukisani umbono ofanayo mayelana nemfundo yezingane. Izingxabano eziqhubekayo mayelana nokuthi izingane zizofunda esikoleni esizimele noma somphakathi, futhi ngisho nangaphezulu, ukudluliswa kwezindlalifa kusuka kwesinye isikole kuya kwesinye kuwumthwalo omkhulu ohlelweni lwezinzwa kanye nesabelomali.
Zijwayeze ukuvula ama-imeyili ngosuku owathola ngalo., futhi nixoxe ngazo zonke izikweletu nozakwethu. Izimvilophu ezingavuliwe zingaholela ezinhlawulo, emacaleni futhi, ngenxa yalokho, izingxabano.
Nquma inani lanyanga zonke umuntu ngamunye wenu angalisebenzisa ngendlela abona kufanele. Okufanelekile, ungase ube nama-akhawunti ahlangene ezindleko eziyisisekelo nokonga, namakhadi okukhipha imali «ephaketheni» imali.
Gcina umbhalo walokho okutholwayo kwezezimali kanye nezindleko. Ukulandela lesi seluleko kuzokusiza ugweme izingxabano eziningi zezimali — awukwazi ukuphikisana nezibalo! Nokho, imibhangqwana eminingi iyenqaba ngenkani ukulawula izindleko zayo, futhi lokhu kunzima ikakhulukazi emadodeni.
Indlela engcono kakhulu yokuqonda ukuthi ungakwazi yini ukukhokhela izindleko ezithile ukuhlaziya izindleko zakho zanyanga zonke, unqume ukuthi yiziphi eziyimpoqo, futhi ubale ibhalansi yezimali ongazikhipha ngokukhululekile.
Zikhuze. Uma ujwayele ukusebenzisa imali eningi kunaleyo ongakwazi ukuyikhokhela, vula i-akhawunti "ephephile" ezobamba inani elidingekayo ukuze ukhokhe izintela, izinsiza, umshwalense ...
Kuthiwani uma omunye wenu efuna ukuphila manje futhi akhokhe kamuva, kanti omunye uyaqiniseka ukuthi udinga «umcamelo wezezimali»?
Cacisa ngezifiso zakho ngaphambi kokuba niqale ukuhlala ndawonye. Kungase kubonakale kungenangqondo ukuthi nikhulume ngemali ekuqaleni kwempilo yenu ndawonye, kodwa ngaphambi kokuxoxa ngenani lezingane ezizayo kanye ne-mortgage, tshela umlingani wakho ngezinto eziza kuqala ekuphileni kwakho.
Yini ebaluleke kakhulu kuwe: ukulungisa uphahla lwamanje ezweni noma ukuthenga imoto entsha? Ingabe usukulungele ukuhamba ngesikweletu? Kuthiwani uma omunye wenu ecabanga ukuthi kulungile ukuphila manje futhi akhokhe kamuva, futhi omunye eqinisekile ukuthi udinga «umcamelo wezezimali»?
Khuluma ngezinhlelo zakho zokuthatha umhlalaphansi kusenesikhathi. Ngokuvamile, imibhangqwana eyake yaxazulula izinkinga zezezimali ngokuthula iqala impi yangempela lapho ithatha umhlalaphansi. Ngaphambili, abazange bachithe isikhathi esiningi ndawonye, kodwa manje baphoqeleka ukuthi babonane cishe ubusuku nemini.
Kungazelelwe kuvela ukuthi omunye umlingani ufuna ukuchitha ngenkuthalo: ukuhamba, ukuya ezindaweni zokudlela, indawo yokubhukuda kanye neklabhu yokuzivocavoca, kanti omunye uthambekele ekulondolozeni usuku lwemvula futhi asebenzise sonke isikhathi sakhe samahhala phambi kwe-TV.
Yakha isikweletu sakho. Uma ukuphila sekuthuthuke ngendlela yokuthi ukweleta isamba esikhulu, into embi kakhulu ongayenza ukubalekela abantu abakweletayo. Inzalo yesikweletu izokhuphuka, futhi impahla yakho ingase ithathwe. Bhekana nenkinga ngokushesha ngangokunokwenzeka: xoxa nombolekisi ngamathuba okuhlela isikweletu noma ukusibuyisela ngezimpahla ezikhona. Kwesinye isikhathi kuyakhokha ukuxhumana nomeluleki wezezimali.
Khulumisanani. Ukukhuluma ngemali njalo—ngokwesibonelo, kanye ngesonto—kuzosiza ekucaciseni izindaba ezikhona zezimali futhi kube ukuvimbela okuphumelelayo kwezingxabano ngenxa yemali.
Mayelana nombhali: U-Andy Bracken ungumeluleki wezezimali.