Igama lakhe nguJanet. Noma, uma uthanda, ungambiza nganoma yiliphi elinye igama olithandayo. Igama alisho lutho, okubalulekile ukuthi uyayazi indaba yakhe. Ungumngani wami, sengineminyaka ngimazi. Wama eduze kwami kuzo zonke izinxushunxushu zami. Nokho, lapho kufika isikhathi sokuba ngenze okufanayo, angikwazanga. Akazange angivumele. Ngachitha amahora ngihlezi eduze kwakhe ngimbuka ekhala. Ngangazi ukuthi kukhona okushaya amanzi.
Ngangizimisele ukuthola ukuthi konakelephi empilweni yakhe. Izinkinga zemali emshadweni? Noma ingabe kwakuhlobene nokuphila kwakhe siqu? Funda ukuze uthole ukuthi yini eyayigula umngane wami, nokuthi udlule kanjani ezinkingeni zakhe.
Indlela Izinkinga Zemali Emshadweni Ezabuhlukumeza Ngayo Ubudlelwano Obujabulisayo
Okuqukethwe
Buyela emuva eminyakeni eyisishiyagalombili edlule lapho eqala ukuthola uthando. Lokhu kukodwa kwaba isimemezelo esikhulu kimi, njengoba wayehlala enelisekile ngomsebenzi futhi engakaze acabange ukushada. Wayehlale ematasa ngomsebenzi wakhe, ngakho lapho ememezela ukuthi uzobopha ifindo, abazali bakhe base-cloud nine futhi ngididekile.
Umshado wakhe wawuwubukhazikhazi. Kwakungekho zindleko zokuthenga izingubo, indawo, ukuhlobisa, nama-kebabs enkukhu ayethambile kunawo wonke engake ngawadla. Uma kubhekwa indlela ayengawunaki ngayo umshado, kwangihlaba umxhwele indlela ayejabule ngayo ngalesi sahluko esisha empilweni yakhe.
Ukufunda Okuhlobene: Izindaba Zomshado Ezinhle Kakhulu – Iqoqo Lezindaba Zothando
Amazwibela okuthi "happily ever after"
Iminyaka embalwa eyalandela yayifana nenganekwane kuye. Okungenani yilokho engangikucabanga njalo lapho ekhuluma ngomyeni wakhe, abasemzini wakhe, ikhaya lakhe elisha. Umyeni wakhe wayemnike imoto entsha, kwakubonakala sengathi akukho zimpawu zokuthi umshado wake wadlula esigabeni esinzima, ingasaphathwa eyokuthi kukhona izinkinga zemali emshadweni. Babeya ezindaweni zakwamanye amazwe njalo. Ephepheni, impilo yayibonakala iphelele kuJanet. Abasemzini wakhe bamkhuthaza ukuba asebenze naye. Into eyayimnandi kakhulu ukuthi wayenengane nomyeni wakhe, intombazane enhle.
Kwathi ngolunye usuku wangishayela ucingo wangicela ukuba sihlangane endaweni yethu esiyintandokazi, i-Olive Garden.
Ezwakala ezolile. Kodwa ngangazi ukuthi kukhona okushaya amanzi. Asikaze sihlangane phakathi nesonto, ngoba wayehlala efuna ukubuyela emndenini wakhe ngokushesha ngangokunokwenzeka.
Njengoba sasihlezi siphuza ikhofi elibandayo, ngabona uJanet ohlukile. Ubuso bakhe ngokuvamile babugcwele ukucasuka, ukuzethemba nokuzethemba. Nokho, ngalobo busuku, ngabona iminwe yakhe iqhaqhazela. Ehlengezela izinyembezi, wathi kimi, “Uyahamba, angizange ngimvimbe, sikwenza ngokuvuthwa ngangokunokwenzeka.”
Izinkinga zemali emshadweni zaqala ukudala izinkinga
Umyeni wakhe wayehola imali encane kunaye kodwa akazange alahlekelwe yithuba lokumsola ngokuba ngumuntu osebenzisa imali yakhe ngendlela ehlelekile. Lezi zinsolo zafaka izinkinga zemali emshadweni, zonakalisa ubuhlobo babo obabubonakala buphelele ngezinkinga zokungaqiniseki kanye nokuthembana . Kodwa empeleni, wayesebenzisa imali yakhe futhi lokho kwakumsebenzela yena, abazali bakhe kanye nendodakazi yabo!
Lapho izinto zaya eningizimu emshadweni wakhe
Ekugcineni, umyeni wathatha izinto waya kwelinye izinga. Umemezele ukuthi ufuna ukwehlukana ngoba enomuzwa wokuthi ngeke akwazi ukuhlala nowesifazane ohlale efuna ukuchitha imali kunokucabanga ngekusasa nokonga. Ubebanga imali nowakwakhe ekubeni yena ubevele enayo imishwalense, ama-investment kuma mutual funds namafixed deposit.
Wayengase azitike ngomdlalo ongcolile wedivosi. Kodwa akazange, kwakungeyena lowo. Wakhetha indlela elula nehlanzekile.
Ukufunda Okuhlobene: Lapho Umfazi Ethola Imali Eningi Kunomyeni
Kwaba wukuhamba nje obala futhi kwavunyelwana, waze wayithola ingane. Akazange avumele izingxabano zemali emshadweni zibangele ukuhlukana okukhulu futhi waze wavumela ukuba ingane yabo ivakashele umyeni wayo mahhala. Wayengenandaba nemali yakhe, wayenemali eyakhe. UJanet wayengeyena owokuvumela umshado nezikweletu zidlale ngendlela acabanga ngayo. Akazange athathe nesondlo kuye.
Ngokwemvelo, izinsuku ezalandela azizange zibe lula kuye. Ukuqhubeka nesehlukaniso akulula neze. Ukuba ngumama ongayedwa edolobheni, ongenabazali ongathembela kubo, akuyona into elula. Kodwa wakwenza. Kusukela ekutholeni indawo yokuhlala kuya ekuxhumaneni nonina omncane owayezonakekela ingane yakhe ngenkathi esemsebenzini.
Indlela asuka ngayo emshadweni ongaphumeleli
Ngahlala ngixhumana naye kukho konke. Noma nini lapho sixoxa, isikhathi ngasinye, ama-albhamu akhe omshado ayephuma. Lapho ngiqhubeka ngimtshela ukuthi lena kwakuyinto eyodwa eyayingalungile, wangitshela, “Yikho konke engikushiye esikhathini esidlule.” Bese ekhala. Akangilalelanga.
Wayezibambela eduze izithombe. Babebonakala bengabangane bakhe.
Kwathi ngolunye usuku, ezinyangeni ezimbalwa ezedlule, lapho ngisendaweni yakhe, futhi kwase kuyisikhathi eside ngemva kwesidlo sakusihlwa, wakhipha lawo ma-albhamu wanginika wona.
“Thatha lezi, wenze noma yini ofuna ukuyenza ngazo, kodwa ungaphinde ungibonise zona. Angisazidingi lezi zithombe,” kusho yena.
Ukufunda Okuhlobene: Indlela Yokulwa Nesehlukaniso
Kwaqubuka imibuzo eminingi ngaphakathi kimi, akazange anginike izimpendulo zayo. NguJanet wakho lowo. Uzenzela ezakhe izinqumo. Futhi uma enza, uvele enze; anganikezi izincazelo aze afune. Kodwa, kusukela ngalobo busuku, ngiye ngabona ushintsho kuye. Ubukeka futhi uzwakala njengentombazane engangiyazi kudala. Namanje angazi ukuthi yini le emenze wawayeka ama-albhamu. Kodwa ngiyethemba ukuthi ngelinye ilanga uzongitshela.
Mina-ke – angikawalahli ama-albhamu. Sebepakishwe ebhokisini babekwe ngemuva ekhabetheni lami. Ngike ngibuke ibhokisi. Kuyisikhumbuzo kimi ukuthi izinto ziyashintsha. Sihlale sinenketho yokukuthatha emzamweni wethu noma ukuyeka. Umngane wami wakhetha yokuqala.
Indlela Yokubhekana Nezinkinga Zemali Emshadweni
Njengoba kunjalo kimi, ukungathembeki ngokwezimali emshadweni kungaba yimbangela yokuthi konke kube kubi ebuhlotsheni obunempilo. Izinkinga zemali emshadweni zingabangelwa ukungazethembi, ukuqamba amanga ngezindleko/imali engenayo noma ukwenza izinqumo zezimali ngaphandle kokwazisa umlingani wakho.
Izinkinga zemali emshadweni akufanele zibe nzima njengoba zazinjalo kweyami, nokho. Uma usubonile ukuthi kungase kube khona ukudlala kabi okuhilelekile, yilapho-ke kufanele uzame futhi usebenzise ezinye zezinyathelo ezilandelayo ukuze uqiniseke ukuthi ukulwa ngemali nomngane wakho womshado akububuhli ubudlelwano benu.
1. Qondani ukucabanga komunye nomunye futhi nixoxe njalo
Ukuze ulungise noma yiziphi izinkinga zemali ezikhona emshadweni wakho noma uqiniseke ukuthi azilokothi zenzeke kwasekuqaleni, yiba nengxoxo eyakhayo nomlingani wakho mayelana nemali nokuthi nobabili nifuna ukwenza kanjani ukusebenzisa/ukonga izimali zenu. Ingabe umlingani wakho ufuna ukusebenzisa imali engaphezu kwakho? Ingabe umlingani wakho ufuna ukutshala yonke imali yakho entweni ongakhululekile ngayo?
Ukuba nengxoxo ngakho kuzoqinisekisa ukuthi akekho ozithathela izinqumo ngokwakhe. Yazisa umlingani wakho ukuthi akwenzeki neze ukushiywa ngaphandle kwenqubo yokwenza izinqumo.
2. Funa inhlonipho ebudlelwaneni bakho
Uma kwenzeka ukudlala kabi ngokwezimali emshadweni wakho, kungenzeka ukuthi kubangelwa ezinye izici okudingeka zilungiswe ngokushesha. Isibonelo, uma umlingani wakho engawuhloniphi umbono wakho noma izinqumo zakho, bazobona isizathu esincane sokuzama ukukufaka ohlelweni.
Yazisa umlingani wakho ukuthi ufanelwe inhlonipho futhi ngaphandle kwenhlonipho ebudlelwaneni , ngeke kube khona ubuhlobo kwasekuqaleni.
3. Yabela isabelomali futhi unamathele kuso
Indlela engcono kakhulu yokuhlela izindleko zakho futhi wazi ukuthi iyiphi imali eya lapho iwukusungula ibhajethi ecacile kungekho ndawo esele yokudideka kuyo. Uma konke sekuhleliwe ephepheni, okusho ukuthi nobabili nixoxile ngakho, ukulinganisa izincwadi nokucacisa ngemali kuzoba lula kakhulu.
4. Khuthazanani ukuthi ningaqambi amanga
Ngisho noma wenze isinqumo esibi ngezezimali, ukwazisa umlingani wakho ngaso kubalulekile uma ufuna ukugwema izindaba zemali emshadweni. Ungavumeli ukuthenga kwakho, imithombo yemali engenayo, noma izinto ozithandayo kube yimfihlo. Umshado ophumelelayo wakhelwe ekusekeleni, ekuthembekeni nasekuthembekeni. Lapho lezi zinto sezisunguliwe, uzozigwema ngokuzenzakalelayo izinkinga zemali emshadweni wakho.
(Igama lishintshiwe ukuze kuvikelwe ubuwena)
Imibuzo Evame Ukubuzwa
Ukungathembeki ngokwezimali emshadweni kusho lapho abashadile befihla izikweletu, besebenzisa imali, benama-akhawunti ayimfihlo, nanoma yini ehlobene nemali efihliwe kumlingani wabo. Ukungathembeki kwezezimali kungabangela izinkinga zemali eziningi emshadweni kanye nezindaba zokwethembana.
Imibhangqwana ingakwazi futhi ezimweni eziningi kufanele igcine imali yayo ihlukene komunye nomunye. Ukuba nama-akhawunti ahlukene kuzoholela ekuxabaneni okuncane mayelana nemali nomlingani. Nokho, ukugcina ama-akhawunti ahlukene akukuniki amandla okufihla iholo lakho noma imisebenzi yemali kumlingani wakho. Ukuvuleleka nokuba neqiniso ngezimali zakho kuyimfuneko kuwo wonke umshado.
Ukuthi Izinkinga Zemali Zingabubhidliza Kanjani Ubudlelwano Bakho
Umnikelo wakho awuyona iminikelo yokusiza . Kuzovumela i-Bonobology ukuthi iqhubeke nokukulethela ulwazi olusha nolusesikhathini njengoba sifuna ukusiza noma ubani emhlabeni ukuthi afunde ukwenza noma yini.
