Kukho imikhosi emininzi kunye nemikhosi yasendulo enokukunceda umthengisi ukukhangela inhlanhla ekuthengiseni. Ngemali, kuninzi ukwamukelwa, ngenxa yabo unokufunda indlela yokwandisa ubutyebi bakho.
Ukutsala inhlanhla ekuthengiseni?
Iyona nto ibaluleke kakhulu kwimimiselo ebhaliweyo ukuqala ukusebenza ngumnqweno onamandla. Kodwa khumbula ukuba imali yindlela nje yokufezekisa injongo. Emva kwesithethe, musa ukucinga ngako. Sinikela ingqalelo kwiimpawu kunye nemikhuba enxulumene nemali:
- Ngaba uyilahle loo mveliso phantsi? Inokwenzeka ukuba, le nto uyayithengisa ngokukhawuleza.
- Ungalokothi uthenge nantoni yemali yokugqibela. Esi sikhwameni kufuneka sihlale silale imali.
- Ukuba uthengisa impahla kumthengisi onobukrakra, mhlawumbi, le nto iya kukunika inkathazo eninzi.
- Ukuba uceba ukuthenga i-real estate, qiniseka ukufumana imbali yale ndlu. Indlu, apho abaqashi babulala khona, okanye apho ukufa kwavela khona, kuthatha amandla ambi.
- Ukufumana entsha kufuneka kuhlanjwe kunye nabathandekayo. Oku kwenziwa ukwenzela ukuba uqinisekise ukuba ukuthengwa kukuvuyile ixesha elide.
- Xa ubona inyanga ekhulayo, uphonsa imali entendeni yesandla sakho.
- Fumana ibhanki yengulube. Khumbula ukuba imali iya kuhlala ihamba ngemali.
- Funda imali kusasa.
- Abathengisi banomqondiso obalulekileyo. Ukusuka kumthengi wokuqala kuxhomekeke kwinto eya kuba ngumsebenzi wabo. Ngako oko, ingqwalasela ekhethekileyo ihlala iboniswa kuye.
- Masiyitshintshe, kuya kuzisa inhlanhla kunye nenhlanhla.
- Imali efunyenwe kumthengi wokuqala, kufuneka u-pat kuyo yonke imveliso, kuphela emva kokuba ungayithatha kwi-cashashi okanye kwi-wallet yakho.
- Ukuthengwa emva kokushona kwelanga kuya kubangela ukuba ulahlekelwe.
- Ukuba ufuna ukuthenga isilwanyana, musa ukuyifumana mahhala. Kubalulekile ukuhlawula isilwanyana ubuncinane umrhumo wokutyunjwa okanye unike into ngokubuyisela. Kukholelwa ukuba ipilesi efunyenwe ngesipho iya kudla okanye ingayithathi ingcambu kwindlu entsha.