Xa ucinga ngokusetyenziswa kakubi ekhaya , mhlawumbi into yokuqala efika engqondweni yintlonelo kunye nokuhlaselwa ngokomzimba. Kodwa uphando lubonisa ukuba ukusetyenziswa kakubi kwezezimali kwenzeka ngokuphindaphindiweyo kwizidlelwane ezingenampilo njengenye indlela yokusetyenziswa kakubi. Enyanisweni, uphando olwenziwa ngamaziko oKhuselo lwezeMali lufumene ukuba iipesenti ezingama-99 zolwaphulo-mthetho lwasekhaya zibandakanya ukusetyenziswa kakubi kwezezimali.
Ngaphezu koko, ukusetyenziswa kakubi kwezezimali ngokuqhelekileyo kuyisimboli sokuqala sobundlobongela bokuthandana nokusetyenziswa kakubi kwekhaya. Ngenxa yoko, ukwazi indlela yokuchonga ulwaphulo-mali kubaluleke kakhulu ukhuseleko lwakho nokhuseleko.
Ukujonga ngokugqithiseleyo ukusetyenziswa kakubi kwezeMali
Ukusetyenziswa kakubi kwezezimali kuqukwa nokulawula ukuxhoba kwexhoba lokufumana, ukusebenzisa nokugcina izibonelelo zemali. Ngenxa yoko, abo bahlukunyezwa ngemali banokuthintelwa ukuba bangasebenzi. Kwakhona banokuba nemali yabo inqatshelwe okanye ibiwe ngumxhaphazi. Kwaye banqabile ukuba banokufikelela ngokupheleleyo kwimali kunye nezinye izibonelelo. Xa benemali, bahlala befuna ukuphendula yonke ipensenti abayichithayo.
Ngokubanzi, iifom zokuhlukunyezwa kwezemali ziyahluka kwiimeko kwiimeko. Ngamanye amaxesha umxhaphazi angasebenzisa amaqhinga angamaqhinga afana nokuxhaphaza ngelixa abanye abahlukumezayo banokuba baninzi, bafuna kwaye basongela. Ekugqibeleni, iinjongo zihlala zifana-ukufumana amandla nokulawula ubuhlobo.
Ngelixa lingaqondwa ngaphantsi kwezinye iindlela zokusetyenziswa gadalala, ukusetyenziswa kakubi kwezezimali ngenye yezona ndlela ezinamandla kakhulu zokugcina ixhoba elixinzelelekileyo kulwalamano oluhlukumezayo. Uphando lubonisa ukuba amaxhoba amaxesha amaninzi akhathazeke kakhulu ngamandla abo okubonelela ngemali ngokwabo kunye nabantwana babo ukuphelisa ubudlelwane.
Ngaphezu koko, ukungakhuselekanga kwemali yenye yezona zizathu eziphezulu kubafazi babuyela kumlingane ohlukumezayo.
Impembelelo yokuShatshazwa kwezeMali
Imiphumo yokusetyenziswa kakubi kwezezimali ihlala iphazamisekile. Ngaphandle kwento yokuba amaxhoba ahlala eziva enganelanga kwaye engaqiniseki ngokwabo ngenxa yokuxhatshazwa ngokwemvakalelo ehamba rhoqo kunye nokuxhaphazwa kwezezimali, kananjalo bahlala besenza ngaphandle kokutya kunye nezinye izinto eziyimfuneko kuba bengenayo imali.
Ngethuba elifutshane, ukusetyenziswa kakubi kwezezimali kushiya amaxhoba ekujongene nokuxhaphazwa ngokomzimba kunye nogonyamelo. Ngaphandle kokufikelela kwimali, amakhadi enkredithi kunye nezinye iimpahla zezimali kunzima kakhulu ukwenza nayiphi na inkunkuma yokucwangcisa. Ngokomzekelo, ukuba umxhaphazi unobundlobongela kwaye ixhoba kufuneka lihambe ukuze lihlale likhuselekile, oku kunzima kakhulu ngaphandle kwemali okanye ikhadi lekhredithi. Kwaye ukuba ufuna ukushiya ubuhlobo ngonaphakade, kunzima ukufumana kuphela izindlu ezikhuselekileyo nezithengekayo, kodwa kunzima ukubonelela iimfuno zakhe ezisisiseko ezifana nezambatho kunye nokuthutha.
Kulabo abakwazi ukuphepha kwimeko exhaphakileyo, bahlala bejamelene nobunzima obukhulu ekufumaneni izindlu zexesha elide, ukhuseleko nokhuseleko. Ngamarekhodi engqesho angaphantsi kwama-stellar, iimbali zeentengo zemboleko, kunye nemiba esemthethweni ebangelwa ukusetyenziswa kakubi kwezezimali, kunzima kakhulu ukuseka ukuzimela nokukhuseleko lwexesha elide.
Amaqhinga asetyenziswa kwiNgciliso yeMali
Ngokubanzi, ukusetyenziswa kakubi kwezezimali kubandakanyeka kakhulu kuba amaxhoba amaninzi abaxhomekeke kwiimali kubaxhasi babo. Ngenxa yoko, ukuxhomekeka kwezemali kubamba ixhoba kulwalamano. Ngaphandle kwezibonelelo, amaxhoba amaninzi akakwazi ukuphuma kwimeko yabo. Ngenxa yoko, kubaluleke kakhulu ukuba ukusetyenziswa kakubi kwezezimali kubonakale kusasa ngaphambi kokuba kuphuculwe.
Ukulandela kukujonga ngokusetyenziswa kakubi kwezezimali. Abanye abahlukumezi bangasebenzisa zonke ezi ziqhinga ngelixa abanye basebenzisa enye okanye ezimbini. Ngayiphi na indlela, nokuba umxhaphazi usebenzisa elinye lala maqhinga okanye onke awo, kusetyenziswa kakubi kwezezimali.
Ukuxhaphaza izixhobo zakho: Oku kwenzeka xa iqabane lomlingane okanye iqabane lisebenzisa okanye lilawula imali oyifumeneyo okanye oyilondolozile. Eminye imizekelo yokuxhatshazwa kubandakanya:
- Ukuzama ukulawula ukusetyenziswa kwakho okanye ukufikelela kwimali oyifumene okanye oyilondolozile
- Ukusebenzisa i-asethi yakho ngenzuzo yakhe ngaphandle kokubuza
- Ukuthatha imali okanye ukusebenzisa amakhadi ekwereta ngaphandle kwemvume
- Ukuboleka imali okanye ukwenza iindleko ngaphandle kokuyibuyisela
- Ukubona unelungelo lemali okanye impahla
- Ukufuna ukuba uphendule i-paycheck yakho, iiphasiwedi kunye namakhadi-mboleko
- Ukukulindele ukuba uhlawule iimali zakhe okanye iimfanelo zakhe
- Ukusebenzisa izinikelo zokuncedisa uhlahlo lwabiwo-mali okanye izigqibo zezezimali njengesiqulatho sokufumana ulawulo lwezemali zakho
- Ukufuna ukuba umkhonze ngeemeko zemali ezinzima
- Ukubamba imali yakho yokuhlawula okanye enye imithombo yemali engenayo
- Ukumkela okanye ukuvula iingxelo zakho zebhanki kunye nezinye iirekhodi zemali
Ukuxubusha nomsebenzi wakho: Oku kwenzeka xa iqabane lomlingane okanye umlingane uzama ukulawula ukukwazi kwakho ukufumana imali okanye ukufumana impahla. Ezinye izibonelo zokuphazamiseka komsebenzi ziquka:
- Ukugxeka nokunciphisa umsebenzi wakho okanye ukhetho lomsebenzi
- Ukunyanzela ukuba ushiye umsebenzi ngamanye amaxesha usebenzise abantwana njengesizathu
- Ukuxelela apho unakho kwaye awukwazi ukusebenza
- Ukuhlawula okanye ukungahloneli imisebenzi yakho
- Ukukuxhaphaza emsebenzini ngokubiza, ukuthumela imiyalezo okanye ukuyeka
- Ukukukhusela ekusebenzeni ngokufihla izitshixo zakho, ukuvula ibhetri yakho yemoto, ukuthatha imoto yakho ngaphandle kwemvume, okanye ukunikezela kubantwana kwaye ungabonakali
Ukulawula i-asethi ekwabelwana kunye nezibonelelo: Oku kwenzeka xa iqabane lomlingane okanye umlingane ephethe ukulawula ngokupheleleyo kwimali ebubudlelwaneni kunye nexhoba akanalo ukufikelela okuncinci kwinto ayifunayo. Ezinye imizekelo ziquka:
- Ukugxeka zonke izigqibo zemali ozenzayo nokunciphisa inkululeko yakho yokucwangcisa okanye uhlahlo lwabiwo-mali ngenxa yoko
- Ukwenza izigqibo ezinkulu zezimali ngaphandle kwegalelo lakho; engathandi ukusebenzisana ngemali
- Ukufihla okanye ukuthatha imali nokuyibeka kwi-akhawunti yangasese
- Ukunyanzela ukuba wabelane ngemali engenayo kodwa wenqaba ukwabelana naye
- Ukulawula "imithwalo yesikhwama" okanye ukumisela imida engenangqiqo okanye izibonelelo kuwe
- Ukufuna ukuba ulandele i-akhawunti yakho yonke ipensenti oyichithayo (unokufuna nokufumana iirisithi kwaye utshintshe)
- Ukuba nomgangatho ophindwe kabini xa kuziwa kukuchitha (unokusebenzisa imali ekuzonwabisa, ukutya kunye nezambatho kodwa ugxeke xa wenza izinto ezifanayo)
- Ukunqongophala ulwazi lwezemali ezifana neephasiwedi zeakhawunti, iinombolo zeakhawunti, ulwazi lwezoqoqosho kunye nokunye
- Ukunciphisa ulwazi lwakho ngomfanekiso wakho wezezimali ngokubanzi
- Ukubamba imali kuwe kunye / okanye ufuna ukuba ucele imali
- Ukufuna ukuba ucele imvume ngaphambi kokuba uchithe imali kodwa ungabonisi xa ethenga
- Ukufuna ukuba ukuthenga okukhulu, okubambisene kunye kunye negama lakhe kuphela (njengemali-mboleko yemoto, imali yokubambisa imali, iifowuni okanye ukuqeshiswa kwezindlu)
- Ukunyanzelisa ukuba usayine amaxwebhu emali ngaphandle kweenkcazo
- Ukwenza usongelo lokunciphisa imali xa ungavumelani
- Ukucaphukisa ngemali uze uhlanganyele kwezinye iindlela zokusetyenziswa gadalala njengegama lokubizela okanye udlame lomzimba
ILizwi
Ukuba ukrokrela ukuba iqabane lakho okanye iqabane lakho lixhaphaza ngokwezimali, qhagamshelana nommeli, umcebisi okanye umfundisi ngokukhawuleza. Ukuhlukunyezwa kwezezimali akuyona into ephucula ngexesha. Enyanisweni, ihlala ikhula ngokwexesha kwaye ingakhokelela kwezinye iintlobo zokuxhaphazwa. Ukuba awunalo umcebisi okanye umfundisi onokukunceda, unokuqhagamshelana ne-National Domestic Violence Hotline ku-1-800-799-SAFE. Isibalulekileyo kukulungisa ukusetyenziswa kakubi kwezezimali ngokukhawuleza.
> Imithombo:
> Adams, AE. "Ukulinganisa Iimiphumo zoLwaphulo lwasekhaya kwiCandelo lezeMali zeBafazi," iZiko loKhuseleko lwezeMali, ngoMeyi 17, 2011. https://centerforfinancialsecurity.files.wordpress.com/2015/04/adams2011.pdf
> Howard, M kunye ne-Skipp, A. "Ukungalingani, ukuxhamla kunye nokulawulwa: Amava oomama ngokusetyenziswa kakubi kwezezimali kunye nefuthe elibonakalayo kwiNkcazo yeLizwe lonke." Uncedo lwabesetyhini, 2014. https://www.tuc.org.uk/sites/default/files/UnequalTrappedControlled.pdf