Imali kunye nomtshato - Iingcebiso zoMtshato oPhumelelayo ngokwaseMali

Ukutshata sisigqibo esiguqula ubomi babantu ngoxa ekhumbula ukuzinza kwabo ngokwemali. Umtshato utshintsha zonke iinkalo zobomi bakho, kwaye oko kubandakanya iinkalo zemali. Imali nomtshato zinokufana neoli namanzi ukuba akuzilumkeleli izinto ozisebenzisayo.

Ukuhambelana kwezemali, okanye ukunqongophala kwayo, yinto eninzi izibini ezingayihoyiyo ngaphambi kokutshata. Nokuba utshata okokuqala okanye okwesibini okanye okwesithathu, soloko uqinisekisa ukuba uhlala phantsi nomntu oza kuba liqabane lakho ukuze nixoxe ngemali yomtshato ukuze niqonde ngokupheleleyo indlela yokujongana nemiba yemali kubudlelwane.

Imali kunye nobudlelwane kufuneka iphathwe ngononophelo olukhulu. Kukho iincoko ekufuneka umntu abe nazo ngaphambi kokuthatha inyathelo elilandelayo kubudlelwane, kwaye imali yenye yazo. Imiba yemali emtshatweni inokukhokelela kwiingxaki ezininzi endleleni. Izimo zengqondo ezahlukahlukeneyo ngokuphathelele ukusebenzisa imali nokonga zinokuba lucelomngeni emva komtshato. Xa iphathwa ngendlela efanelekileyo, imali nomtshato zinokuhlalisana kakuhle.

Kufuna ukulalanisa nobulumko, ngokulinganayo, kuwo omabini amaqabane ukunyathela loo mgaqo ulungileyo wemvisiswano yezemali emtshatweni. Kodwa ukuba ufunda oku ngethemba lokuba kukho i-mantra enokutshintsha kakhulu indlela iqabane lakho elijonga ngayo imali, unokugqiba ukuphoxeka. Undoqo walo mbandela kukuba abantu abatshintshi. Kodwa oko akuthethi ukuba iyantlukwano ayinakusonjululwa. Makhe sithethe ngemali kunye nomtshato, kunye nendlela yokujongana nemiba yemali kubudlelwane. Ndineesenti zam ezimbini endinokuzinika kunye nebali endinokwabelana ngalo.

Iingcebiso zoLawulo lweMali emtshatweni

Ngaphambi kokuba utshayelwe kwingxakeko yosuku olugqibeleleyo lomtshato, kubalulekile ukubuza iqabane lakho elizayo ilungelo imibuzo phambi komtshato. Oku kuquka imibuzo enjengendlela yokulawula imali emtshatweni xa iimbono zakho ngolawulo lwemali ziphikisana, zingasingathwa njani iingxaki zemali emtshatweni, nendlela yokuqinisekisa ukuba azithethi intshabalalo kulwalamano.

Thatha umphefumlo onzulu. Ukuphefumla...phefumlela…kulungile! Ngoku akukho sizathu sokuba uye phambili. Izibini ezininzi phambi kwakho ziye zajamelana nale ngxaki kanye, kwaye ziqhuba kakuhle kwimitshato yazo. Umsebenzi unokubonakala unzima, kodwa isithintelo sokungavisisani kwezemali kula manyathelo alandelayo:

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1. Ukuqondana

Ukuba uvakalelwa kukuba iqabane lakho alichithi mali ininzi okanye uyalikrokrela ngokuba libi okanye lixhwalekile, hlala phantsi ucoce umoya. Ngaba le yimbono yabo ngemali? Okanye ngaba oku kuthintelwa sisiphumo seengxaki zemali ebomini babo okwangoku? Okanye ngaba bavakalelwa kukuba kukho ukungalingani kwemali kolu lwalamano? Kuthekani ukuba banamatyala athile? Ukuba kunjalo, ngoko kufuneka ugcine imali yakho yahlukile.

Unokwenza indima yakho ngokuncedisa iqabane lakho ngaphandle kodwa awukwazi ukuthatha uxanduva lokucima amatyala abo ngokwakho. Hlalani phantsi nize nivumelane ukuba makwenziwe njani ngale nto. Ninokoyisa nantoni na ngokunxibelelana ngendlela efanelekileyo nize nizame ukuqonda iimbono zomnye nomnye.

2. Musa ukwenza ngaphezulu nangaphezulu kumalungiselelo omtshato

Abanye abantu bachitha yonke imali yabo kwimitshato ngaphandle kokucinga ngekamva. Uza kujongana njani nayo nayiphi na inkcitho engalindelekanga okanye ingxaki yezemali ukuba uchitha yonke imali oyongile kwisiganeko esinye? Eyona ndlela ingcono inokuba kukubekela bucala inxalenye yokonga kwakho kwimibhiyozo yomtshato-mhlawumbi, i-10% yomvuzo wakho udityanisiweyo - ukuze uxhotyiswe ngokufanelekileyo ukuzakhela ubomi obutofotofo njengesibini esisanda kutshata.

Ukuba ufuna ukuya kwihoneymoon emva komtshato, ngenani ngokudibeneyo kwinkcitho njengoko nenzile emtshatweni. Okanye mhlawumbi ufuna ukuhamba kunye kwindlu entsha kwaye bubulumko ukugcina imali yokuhlawula. Ucwangciso lwezemali lwezibini ezisanda kutshata kufuneka baqale kakuhle phambi kokuba babophe iqhina. Ke qiniseka ukuba uthatha ixesha lokuxoxa ngalo mba wobomi bakho kunye.

3. Ukucwangcisa uhlahlo lwabiwo-mali

Ukucwangcisa uhlahlo lwabiwo-mali yimpendulo yendlela yokujongana nemiba yemali kubudlelwane. Izibini ezinemali maxa wambi zigqwesa kwindlela ezichitha ngayo imali. Lixesha lokuba uthethe ngawo onke amatyala akho okuthenga, amatyala esidlo sangokuhlwa kunye nezinye iindleko.

Bala ukuba yimalini echithwa ngumntu ngamnye ngenyanga kunye nokuba yimalini anokuthi ayisebenzise emva komtshato. Ukuba iindleko zenu njengesibini zilungile kubuchule benu bokuchitha, ngoko aninaxhala. Mhlawumbi, ungaqala ukuthetha malunga notyalo-mali kunye nokonga ukusuka ekuqaleni. Kodwa ukuba iindleko zingaphezulu koluhlu kunye nomda wakho, kuya kufuneka ubethe kwaye uphelise izinto ezimbalwa ezingeyomfuneko.

4. Buza imibuzo ebalulekileyo

Mininzi imibuzo ebalulekileyo ephathelele imali nomtshato ekufuneka uyiphendule. Ngaba ufanele okanye akufanele udibanise imali yakho kunye neqabane lakho? Ngaba nobabini niyakwazi ukukhathalela iimfuno zenu zemali? Ukuba elinye iqela lixhomekeke kwelinye, lo mbuzo uba ngumbuzo.

Kodwa iphakamisa omnye umbuzo obalulekileyo: ziya kulawulwa njani iindleko kunye nokonga kumvuzo omnye? Iqabane elirholayo liza kuyigcina malini nyanga nganye kwiimfuno zeqabane elingafumani mvuzo? Kwi-flip side, ukuba omabini amaqabane azinzile ngokwasezimalini kwaye azimele, kufuneka baqwalasele ukuba badibanise imali yabo kwaye bangakanani na. Elinye lawona macebiso angcono ezezimali kumaqabane kukuvula i-akhawunti edibeneyo kwaye ubeke umda wenkcitho kuyo ukugcina iindleko zabo zenyanga-ngenyanga ziphantsi kolawulo.

5. Yiba nembeko kwiindleko zabo

Nokuba awukwazi ukuqonda ukuba yintoni eqhuba inkcitho yeqabane lakho, unokuyamkela kwaye uyihloniphe ngokusempilweni. Ngokufanayo, isiqingatha sakho esingcono kufuneka sixhase inkcitho yakho kunye nemikhwa yokonga. Intlanganiso embindini ibaluleke kakhulu ukubetha ibhalansi, kungenjalo imiba yemali inokonakalisa ulwalamano. Qwalasela zonke ezi nketho kwaye ubone oko kusebenza kakuhle kuwe ngokuxhomekeke kwindlela ophila ngayo.

Namhlanje ndinebali elikhuthazayo endinokwabelana ngalo. Luhambo lukaErica noRyan njengoko babejonga ulawulo lwemali emtshatweni wabo. Uhambo lwabo kunye lungakunika imbono oyifunayo. Qhubeka ufunda ukuze ufumanise ukuba kusebenza njani ukuphatha imali emtshatweni.

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Ithini yonke le nto ngenkqubo yomculo?

Xa into ethi "Ndihlawula zonke iindleko zomtshato wam" ifika, iba ngumthombo omkhulu wengxabano kubudlelwane. Kodwa kwimeko yethu, lo mbandela waba lirhamncwa elikhulu ngakumbi kuba sasiyichase ngokupheleleyo indlela yokusebenzisa imali. Wayekuthanda ukuchitha izinto eziphathekayo, ngoxa mna ndandikholelwa ekuchitheni imali kumava. Zaqala ke iingxaki zethu zemali emtshatweni.

Umyeni wam wayewuthanda umculo kwaye wayezimisele ukuba nenkqubo entle. Ndandikholelwa ukuba umculo unokuviwa ngenkqubo encinane engabizi mali ininzi. Iingxoxo ezinkulu/iingxoxo zenzeke phambi kokuba siye kuthenga. Sasinemali yezipho zomtshato, esasizimisele ukuyisebenzisela ukwakhiwa kwekhaya lethu elitsha, yaye sagqiba kwelokuba sisebenzise inxalenye encinane yaloo mali ukulungiselela le nkqubo.

Kodwa ngaphezu konyaka, sasihlala nenkqubo yomculo enkulu kuphela ehleli kakuhle ekoneni yeholo yethu; yonke imali yethu yaya kuyo. Ndothuka. Emva kwayo yonke loo nto, umculo ubuya kufana nokuba ungamanyelwa kwinkqubo encinci kwaye andiqondi ukuba kutheni efuna ixabiso elinjalo.

"Umculo kufuneka uvakalelwe kwinkqubo ene-amplifier ephezulu ukuze ufumane umgangatho ochanekileyo wesandi," wazama ukuzithethelela. Kum, kwakuvakala kungekho kwahluka kuyo nayiphi na inkqubo encinci. Loo nkqubo yomculo yaba ngummeli wengxabano kubudlelwane bethu kunye nomthombo ongapheliyo wokulwa kunye neengxabano. Ngamanye amaxesha ezi imilo ibaluleke ngakumbi kunomtshato wethu.

Utit wetati

Kwakukwiholide yethu eMiami apho umyeni wam wafumana ithuba lokubuyela kum. Sithe xa singena kwihotele yethu, ndabhukisha imini yonke; Ixabiso eliphantsi kodwa ezi ntlobo zobunewunewu ziyimfuneko ukugcina umzimba wakho uhlawuliswa. Umyeni wam wayengaqondi. "Kutheni uchitha imali eninzi kangaka ekuphululeni umzimba wakho?" wayefuna ukwazi.

Ndazama ukucacisa, "Ngendlela ofuna ngayo inkqubo yomculo ephezulu ukuze ufumane ithoni efanelekileyo, ndifuna unyango lwe-spa kwezi ndawo eziyinkimbinkimbi ukuze ndifumane umphumo ochanekileyo." Akavumanga ukundiqonda ukuba ndisukaphi kuba kuye i-spa yinto nje enye. Ngakolunye uhlangothi, izixhobo zombane zazilutyalo-mali.

Ngumcimbi owahlukileyo ukuba, ekugqibeleni, ndamcenga ukuba andijoyine kwi-spa, ngetyala eliphindwe kabini. Ukutyhubela iminyaka, imali emtshatweni ibisoloko ingumbandela ochukumisayo kuthi, ilindele ukugqabhuka nanini na singavumelani notyekelo lomnye lo wokuchitha. Iimali emva komtshato ngokuqinisekileyo zikhohlisayo ukuyiphatha.

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Akukho tshintsho ngokwe-se nganye kodwa ukulalanisa ngokuqinisekileyo

Ngoku emva kwamashumi amabini eminyaka yomtshato, izinto zihlala zifana. Usaqhubeka engumntu 'wezinto', ngelixa mna ndingumntu 'onamava' ngakumbi. Sisenokuba siye sakhuhlana kancinci omnye komnye ngeendlela zethu kodwa ubume bethu obusisiseko buhlala bufana. Akukho nto yatshintsha nasemva kweminyaka emininzi kangaka.

Akukho nto ntoni tshintsha… Ungquzulwano luyaqhubeka kodwa niqalisa ukuba nolwazelelelo kwimidla yomnye. Namhlanje ukuba ndinemali kwaye kufuneka ndithengele uRyan isipho, ngokuqinisekileyo ndingakhetha i-perfume ebiza kakhulu, ipeni, okanye igajethi ephezulu. Ukuba kufuneka andithengele isipho, mhlawumbi angabhukisha iholide yobumnandi, i-spa, okanye usuku oluhle kwivenkile yekofu.

Ingongoma ikukuba siyayazi into eyenza omnye onwabe kwaye sikulungele ukuthabatha elo nyathelo nokuba alingeni kwingcamango yethu yokuchitha. Ingekuko ukuba sitshintshile nangayiphi na indlela; ngumnqweno nje wokugcina omnye onwabile kwaye yeyona nto ingundoqo kubudlelwane obonwabileyo.

Nanini na xa ndizifumana ndiyinxalenye yengxoxo malunga nendlela yokulawula imali emtshatweni, ndixelela abantu ukuba babambelele kwimilinganiselo yabo engundoqo ngelixa kwangaxeshanye beqaphela iimfuno zeqabane labo. (Kwaye le yenye yeyona mali ilungileyo kunye neengcebiso zomtshato omele ubambelele kuzo.) Ukubeka izinto eziphambili kubudlelwane ibalulekile.

Ngaphezu koko, iingxaki zemali emtshatweni zifanelekile ukuba azinwenwanga kakhulu. Ngokomzekelo, emtshatweni wethu, kungenxa yeembono zethu ezingquzulanayo ngokuphathelele izinto ezifanelekileyo esinokuchitha imali kuzo ezenza sonwabe macala omabini obomi: Ndiyazithanda izinto eziphathekayo azithengayo yaye uyawanandipha amava amnandi endiwacebayo. Ngandlel’ ithile, silungelelana ngokugqibeleleyo.

Iingcebiso zeMali kunye nomtshato-Hamba kuMbindi weNdlela

Isiseko esomeleleyo semali sibalulekile kumtshato owonwabileyo nonempumelelo. Unxibelelwano oluvulekileyo, iinjongo ekwabelwana ngazo, kunye nesicwangciso sezemali esichazwe kakuhle ngundoqo ekujongeni iingxaki zemali zobomi bomtshato. Nanga amanye amacebiso okunceda wena neqabane lakho nifikelele uzinzo lwezemali kunye nokhuseleko:

Le intshayelelo ibeka inqanaba lamanqaku embumbulu alandelayo, igxininisa ukubaluleka kwesiseko esiluqilima sezemali emtshatweni.

• Unxibelelwano oluvulelekileyo nolunyanisekileyo
• Chaza iinjongo zemali zexesha elifutshane kunye nezexesha elide kunye.
• Landela ingeniso yakho kunye neendleko.
• Chonga iindawo apho unokunciphisa okanye wonge imali.
• Yakha ingxowa-mali yexesha likaxakeka ukuhlawula iindleko ebezingalindelekanga
• Funa Iingcebiso Zengcali
• Gcina kwaye uTyala imali ngoBulumko
• Ukuphonononga kwaye uhlengahlengise iSicwangciso sakho seMali

Nangona kunjalo, ndiya kuthetha ukuba kuthatha umzamo omkhulu kunye nokuqonda ngaphambi kokuba ufikelele kweli nqanaba. Isimo sengqondo somntu ngamnye ngemali sisuka kwimvelaphi yentsapho, amava obomi, njl.

Ngoko ke phambi kokuba uthathe inyathelo malunga nokuba 'ulungile' kwaye 'uhlasela' iqabane lakho, zama ukuqonda kwaye wenze indlela ephakathi. Indlela ephakathi okanye intsingiselo yegolide yolonwabo awayethetha ngayo uBuddha inokwahluka kubantu abahlukeneyo. Ukusingatha iyantlukwano ngendlela ekhulileyo, okanye ukudala ingxaki enkulu; kuxhomekeke ekukulungeleni kwakho ukuhlengahlengisa.

Ukuba kwicala elinye locingo kuvakala kulungile, kodwa udlala njani ngaphandle komchasi? Indoda nomfazi bazalwa bechasene kwaye baya kuhlala benjalo. Umtshato umalunga nokuba nomchasi, kodwa akukho mbasa. Udlala notshaba lwakho usazi kakuhle ukuba akukho mabhaso. Ke qhubeka, khetha umchasi othandekayo kwaye uqhubeke nokudlala. Njengoko u-Osho wathi, "Ngaphandle komtshato, akuyi kubakho lusizi-kwaye akukho nokuhleka."

(Amagama atshintshiwe ukukhusela isazisi)

FAQs

Iingcinga Final

Uzinzo lwemali nonqabiseko lubalulekile kumtshato owonwabileyo nowanelisayo. Ngokubeka phambili unxibelelwano oluvulekileyo, ukubeka iinjongo zezimali ekwabelwana ngazo, kunye nokuphumeza izicwangciso zemali ezifanelekileyo, izibini ezinokwakha isiseko semali esomeleleyo sekamva labo kunye. Abacebisi bethu ukunika isikhokelo kunxibelelwano, ukusombulula impixano, kunye nokuphuhlisa imikhwa esempilweni yezemali. Cwangcisa ukubonisana namhlanje.

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