Indlela Yokuyisebenzia Kakuhle Imali Yakho

ZINTATHU iindlela zokusebenzisa imali: (1) Kukuthenga ngayo, (2) ukuyonga, okanye (3) ukuphisa ngayo. Makhe siqale sithethe ngendlela yokuthenga ngobulumko.

Eyona nto ibalulekileyo esiye sayifundiswa kukuwohloka kwemeko yezoqoqosho kukubaluleka kokuceba kakuhle ngaphambi kokuba usebenzise imali. Kuthetha ukuthini ukuceba ngaphambi kokuba usebenzise imali? Ngamafutshane, kukubala indlela eza kusetyenziswa ngayo imali, enoba yeyomntu omnye, intsapho, ishishini okanye urhulumente.

Intsapho Ifanele Isebenzisane

Ninokulwenza njani uqingqo mali? Incwadi ethi Budgeting ebhalwe nguDenise Chambers ithi: “Onke amalungu entsapho afanele abe nenxaxheba xa kuqingqwa imali ukuze asebenzisane.” Afanele amane ebhunga ukuze ahlole ukuba luqhuba njani uqingqo mali lwawo. Intsapho iya kuzuza xa incedisana ukuze iqingqe imali yayo, njengoko ngamnye efunda iindlela zokuphila ngokwemali enayo intsapho.

Abanye abantu basebenzisa ikhompyutha xa beceba indlela abaza kuyisebenzisa ngayo imali yabo. Abanye babhala ephepheni amacandelo amabini. Kwelinye icandelo babhala imali engenayo baze kwelinye babhale iindleko. Kwakhona, nyanga nganye kubalulekile ukubekela bucala imali yokuhlawula iindleko ezibakho kanye ngonyaka, njengerhafu okanye iholide.

Indlela yokuqingqa imali eye yaphumelela kukuthatha iimvulophu ezahlukeneyo uze ubhale ngaphandle kuzo, “Eyokutya,” “Eyerenti,” “Eyokuhamba,” “Eyombane,” “Eyeendleko Zokuya Esibhedlele” nezinye iindleko. Ngaphambili, abantu babedla ngokufaka imali yezi ndleko kwiimvulophu nyanga nganye. Kodwa abantu abaninzi namhlanje bathi kukhuselekile yaye kulula ukufaka imali ebhankini uze uyikhuphe xa uyidinga.

UJonathan noAnne abahlala eMzantsi Afrika kunye neentombi zabo ezimbini, badla ngokuyifaka kwiimvulophu imali abaza kuyisebenzisa. UJonathan uthi, “ukuba umvuzo wakho ufakwa ebhankini kubalulekile ukuqiniseka ukuba uyahlulahlula kakuhle imali yakho. Ngokomzekelo, ukuba imali yokuthenga inyama iphelile, awufanele uthathe obuyigcinele ezinye izinto uze uthenge ngayo inyama engakumbi.”

UJonathan wayekade eneshishini kodwa ngoku yena nentsapho yakhe bangamatsha-ntliziyo yaye bancedisa xa kusakhiwa iindawo zokunqula. Ngenxa yokuba bewuthanda umsebenzi abawenzayo, kubalulekile ukuba bayiqingqe imali yabo. Le ntsapho iyihlola rhoqo indlela eyisebenzisa ngayo imali ukuze iphucule xa kuyimfuneko.

Olona Lonwabo

Uphando lubonisa ukuba ukupha abanye izinto zexabiso kuquka ixesha, amandla kunye nemali kukwenza wonwabe. Ukuba iimeko zakho ziyakuvumela, le isenokuba yeyona ibhetele kwezi ndlela zintathu zokusebenzisa imali esithethe ngazo ekuqaleni.

Kwincwadi yakhe ethi The New Frugality, uChris Farrell uthi, imali uyonga kuba “ufuna ukuthenga ngayo.” Ucebisa ngelithi: “Enye yezinto ezibalulekileyo onokuzenza ngemali yakho, kukuyipha abanye.”a Walek’ umsundulo esithi: “Eyona nto ibalulekileyo bubuhlobo nokwenza umahluko kubomi babanye, kungekhona imali nezinto onazo.”

NoMichael Wagner oyingcali yezoqoqosho uyavumelana noko. Kwincwadi yakhe ethi Your Money, Day One ebhalelwe ukukhuthaza ulutsha ukuba longe imali, uthi: “Xa uzimisela ukunceda abantu abangamahlwempu, uvuzwa ngeendlela ezininzi ngenxa yobubele nezinwe zakho, kodwa owona mvuzo uwufumanayo luvuyo oba nalo entliziyweni ngenxa yokuba uye wanceda omnye umntu.”

IBhayibhile iyavuma ukuba ukupha kukwenza wonwabe. Njengokuba bekutshiwo ngaphambili, iBhayibhile inamazwi obulumko anokukunceda uzisebenzise kakuhle izinto zakho zexabiso. Ngoku makhe sithethe ngasixhenxe kula mazwi.

[Umbhalo osemazantsi]