Ukufihlakele ngemali kunokungcatshiswa okukhulu
I-stash yemali ephantsi kwebhokisi yecookie mhlawumbi ayiyi kutshabalalisa umtshato wakho. Kodwa ukuqaphela ukuba iqabane lakho liyakukukhohlisa ngokwezimali lingaba ngumqalo wokuphela komtshato wakho. Emtshatweni osuvele unenkathazo, ukungathembeki kwezemali kungenza ukuba uthathe isigqibo sokuyibiza ngokuba yi-quits.
Esinye sezibonakaliso eziqhelekileyo okanye iziflegi ezibomvu emtshatweni uxoka ngemali.
Nangona omnye kumabandla aseMerika avuma ukuxoka ngamanga kumlingane wakhe, umba ubaluleke kakhulu ukuphepha. Amanga amancinci ngemali angakhokelela ekuziphatheni okubi nakakhulu kwimitshato yakho.
Ngokwenzululwazi ichazwe ngcaciso engama-2011, Ngaba Umlingani Wakho Ukhohlisa Kuwe Ezezimali? I-31% Yamkela Impazamo yeMali nguJenna Goudreauin (Forbes.com) ...
"Ngaphezulu kwesiqingatha sabo bonke abathengi bemali bavuma ukufihla imali (58%) okanye ukuthenga okuncinci (54%). Kwabaphuli, 30% bafihla ibhilikhi, i-16% ifihla ukuthenga okukhulu, i-15% ine-akhawunti yasebhanki eyimfihlo, 11 % baxoxela ngamatyala abo kwaye enye i-11% yayixoxela ngemali yemali. "
"I-Boston-based clinic therapist uCarleton Kendrick uye wacebisa abantu abangaphezu kweminyaka engama-30 kwaye uthi ukukhohlisa imali kuye kwaba yimpikiswano enkulu kwiminyaka elishumi edluleyo." UKendrick uthi izizathu eziphambili zabantu zixoxela ngemali kumaqabane abo ziyi-pragmatism, Ubuxoki bobuxoki bungabangelwa ukucwangcisa ukugqitywa kokugqibela kwaye ungafuneki omnye ukuba azi ukuba imali ikhona. Ukungathembeki kwemali kulawulo kungabandakanya imali yokubuyisela, njengokuba iqabane elinye lixhomekeke ekubonakaliseni ukuzimela okanye ukubuyela kwenye into ethile Ukungakwazi ukuziphatha ngokungenakuziphendulela kunokubangela ukuba unetyala kunye neentloni, ngoko loo mntu uzama ukuwugubungela.
Iimbalwa eziPhicayo zeMali eziBomvu
- Iqabane lakho lilala kwabanye abantu malunga neendleko okanye ingeniso.
- Xa ufuna ukuthetha nomlingane wakho ngemali, uyazikhusela okanye anqabe ukuxoxa ngezimali.
- Iqabane lakho lilawula lonke uxanduva lokuhlawula iindleko kwaye akafuni ukuba ukwazi into malunga nezimali zeentsapho.
- Uyabona ukuba lakho iqabane lichitha ngaphezulu kunezibini onokuzifumana.
- Ababini niyaphikisana ngemali ngokuphindaphindiweyo.
- Ufumanisa i-akhawunti yebhanki eyimfihlo okanye amatyala afihlakeleyo.
- Imilinganiselo yakho yomtshato ishintsha ngokukhawuleza.
- Omnye okanye bobabini baqala ukubuyisela imali.
- Iqabane lakho liqambe amanga kuwe ngaphambi kwemali.
- Unomdla nje ukuba umlingane wakho ufihla into evela kuwe malunga nemali yakho.
- Awuthembeli lakho iqabane.
Oko Ukwenza Ngokungathembeki Kwezezimali Emtshatweni Wakho
- Ungangcwabi intloko yakho entlabathi. Ixesha lokuba neengxoxo ezinzima kwaye zinzima malunga neemali zakho kunye neqabane lakho. (Funda eli nqaku kuqala)
- Tshela umlingane wakho malunga nayiphi na imvakalelo onayo malunga nokuqamba amanga okanye ukuxoxwa ngamanga ngeemali zakho. Ukukhathazeka kwakho, inetyala, umsindo, ukwethuka, ukucinga ukuba ukhonjwe, uhlazo, ukungenakunceda, njl. Kufuneka uvezwe ngumlingane wakho.
- Ukuba unomdla, vuma wenze iphutha, uyeke ukuthetha amanga malunga nemali yakho. Yenza isigqibo sokuba uthembeke, uvule, kwaye ugcine izithembiso zakho. Yamkela uxanduva lwakho lokuzisa ukungathembeki kwemali kumtshato wakho. Ucele uxolo.
- Yiba neengqiqo malunga noko unokukwazi ukuyenza kwaye ungenako ukwenza ukunceda imeko yakho yezemali.
- Misela iikopi ezikhethiweyo kunye neakhawunti edibeneyo. Qinisekisa ndawonye ukuba ungayifaka njani imali nganye kwi-akhawunti yakho kunye ne-akhawunti ehlangeneyo. Kubalulekile ukuba nonke nivume ukuba loo mali iyenu ngabanye ngokwenza oko ufuna.
- Yiba nengxoxo ngeveki malunga neemeko zemali zakho. Akufuneki ukuba lide, kodwa yenza ixesha lokujonga i-akhawunti yakho kunye kunye nokuthetha ngeendleko ezizayo, imiba, iinjongo, ithemba, njl.
- Ukuba ezi ziphakamiso azincedi, funa ucebisi ngezezimali kunye / okanye umtshato.
Ukukhohlisa, ukufihla okanye ukufihla imali ngumtshato omkhulu "akukho-no." Ukuba kukho iingxaki malunga nale nto, lixesha lokulilungisa ngenhlonipho nangengqibelelo.
* I-Article ihlaziywe nguMarni Feuerman