Okwangoku, kukho imeko yezoqoqosho ezinzima kwilizwe, kwaye, ngokubhekisele kwi-real boot boom, umbuzo wento oyenzayo ukuba akukho nto yokuhlawula imali iyenzeka kubasebenzi. Izizathu zeengxaki ezinzima kakhulu zinokuba zininzi kakhulu: ukuhamba kwemali, ukulahleka kwemisebenzi, ukunyuka kwemivuzo, uxinzelelo lwezorhwebo , njl. Nangona kunjalo, umbuzo kufuneka uhlale usombululwa.
Indlela yokujongana nemali mboleko, ukuba akukho nto yokuhlawula?
Xa kukho imali ebolekisiweyo, kwaye akukho nto yokuyihlawula, kufuneka uqonde yonke into uze uqonde ukuba wenzeni. Kuyafaneleka ukuqwalasela iingcebiso ezininzi malunga nesisombululo sale ngxaki.
Okokuqala, ungaqali ukwethusa. Kwiimvakalelo umntu uzimisele ukwenza izenzo, eziza kuzisola kamva.
Akukho mzekelo kufuneka uzame ukufihla ebhankini uze uphephe iimpendulo kwiifowuni okanye uqhagamshelane ngqo nabasebenzi. Le ngxaki ayikwazi ukusombululwa nangayiphi na indlela, kwaye nangona kunjalo, enye inokuyingozi kakhulu into.
Kuya kuba ngcono ukuba wena ufike ebhankini uze uthi akukho nto yokuhlawula imali kunye nomcebisi uya kuncedisa kunye kunye nokwenza isigqibo sokuba wenze ntoni kule meko. Ibhanki ngokwalo inomdla wokubuyisela imali mboleko, ngoko kuya kudibana nayo, ukuba wena uqala ukuxhalabisa ngokusombulula le ngxaki, kwaye ungadingi.
Kubalulekile ukuqonda ukuba ityala liya kuqhubeka libuyiselwe, kodwa ngelixa ufuna iindlela zokusombulula ingxaki, ibhanki inokuya kukudibana kunye nokunika iholide mboleko. Ngoko ke, kuya kufuneka ukuba ubhale isicelo sokuvuselelwa kwetyala.
Ngaphandle kokulahlekelwa ngumhla, hlalutya imeko kwaye ujonge iindlela. Okokuqala, kufuneka ugxininise kwimithombo emitsha okanye eyongezelelweyo yengeniso. Kunconywa ukuba wenze nayiphi na umsebenzi, ukuhlawula ityala ngokukhawuleza. Emva kokuxazulula ingxaki, inokuhlala ichithwa okanye iguqulwe ibe yinye.
Xa unxunguphako, zama ukuboleka imali kwizihlobo okanye ngabahlobo. Nangona oku akuyona indlela engcono yokuyicombulula, nangona kunjalo, unako ukuhlawula ibhanki, uze uhlawule ityala ngaphandle kwenzala. Kodwa nangona kunjalo, musa ukuphumla, ngamatyala kungcono ukulungisa ngokukhawuleza.
Yintoni engenakwenziwa xa kungekho nto yokuhlawula ngemboleko?
Xa kufuneka ufumene indlela yokujongana namatyala ngemali-mboleko, umntu unesimo sengqondo esingathandekiyo, apho ungenza iimpazamo ezininzi, emva koko ungeze iingxaki ezintsha kunye neengxaki. Ngoko ke, nathi kufuneka siqonde oko kungenakwenziwa ngokubanzi, ukusombulula umba wetyala.
Ngokuqinisekileyo akukhuthazwa ukuba athathe umboleko omtsha ukuhlawula umdala. Oku akusayi kusombulula ingxaki nangayiphi na indlela, kodwa iya kuyenza ingqongqo imeko. Isixa semboleko emitsha siya kuba ngaphezulu, kuba iya kubandakanya inani leminyaka ubudala, inzala kumboleko odlulileyo kunye nezohlwayo zobugqwetha. Ngako oko, ukuhlawulwa kwayo kuya kuba nzima ngakumbi, kwaye ngoko ke ukumba umda omkhulu wemali. Awudingi
Emva kokuhlawulwa kwetyala, ukwenzela ukuba ngekamva azikho iimeko apho kungekho nto yokuhlawula amatyala, kubalulekile ukukrazula umkhwa wokuphila ngetyala, ukuyeka ukuboleka amatyala kwiimfuno zabathengi kwaye ngokuqhelekileyo usebenzisa amakhadi-mboleko. Ukuba uthabatha ukubolekisa, kuphela kwiimeko apho kunenzuzo okanye kubaluleke kakhulu. Kodwa nakwiimeko ziyimfuneko ukuba ufunde zonke iimeko zayo uze ufumane ukuba unokuyihlawula.