Uninzi lamafama asaqalayo enza imali ngendlela ezininzi yonke imihla kodwa awanaso isicwangciso sokonga imali ukuze ikwazi ukunceda kwikamva. Isizathu esiphambili sokonga imali kukuba kufuneka ikuncede kwixesha elizayo.
Imali oyongayo uyithatha kwimali oyenza ngokuthengisa izinto zivelisa kwifama yakho, kanti nangokucutha inkcitho yezinto ozithengayo. Uyayonga imali mfama ngokuthi kwigaqa lekhaphetshu ngalinye olithengisayo ugcine isiqingatha salo mali uthengise ngayo elogaqa.
Ukuba uthengise igaqa lekhaphetshu ngerandi ezilishumi kumele ukuba athetha irandi ezintathu uzigcine ngokuvula ibhanki yoko. Le bhanki kumele ukuba ibeyiyo ofaka kuyo lemali ingeniswa kukuthengisa lonto uyithengisayo. Abasebenzi basezibhankini baqeqeshelwe ukunceda abantu ukuze bakwazi ukunika ulwazi olubanzi malunga neendlela zokonga imali.
Amafama athengisa amaqanda,iinkukhu eziphilayo nezixheliweyi,imifuno kwakunye neziqhamo. Zonke ezi zinto zikwenza kubelula ukuba amafama akwazi ukwenza imali ukuze akwazi ukonga imali. Ukonga imali kubaluleke kangangokuba ingade igqithele kwizizukulwana ezininzi zosapho lakho imali oyongileyo, oku kungagcina igama lakho lihlonitshiwe lusapho lakho.
Iziqhamo zingadlala indima kwindlela namacebo okonga imali ngendlela ezininzi anokuthi amafama aziqwalasele. Iziqhamo zingathengiswa zivunwa emthini, zingathengiswa ngokuzihambe zingumqwayito, kanti umfama angavelisa eminye imithi kwizithole zayo athengise lomithi.
Konke oku kuyinxalenye yenkqubo zokonga imali, ingakhula imali engenayo kwibhanki yakho yokonga, imigxilo emininzi yengeniso yemali yenza ukuba ukhawulezise ukukhulisa imali. Ukuzivelisela izithole zakho ngokwakho kunganceda ukuba ugcine imali, endaweni yokuthenga izithole uzibone ungumvelisi wezithole zemifuno nemithi yeziqhamo.
Ukuvelisa umgquba wakho kwakho, ungawuthengi yenye indlela eyenza ukuba imali ingasebenzi kakhulu koko iyambe iye kwibhanki yakho yokonga. Oku kungabangela ukuba kucutheke inkcitho yokuthenga izichumiso,logama kukhula imali oyingenisa ebhankini yakho yokonga.
Umgquba weenkukhu yezinto ezithengiswayo kule mihla,ngoko yenye indlela enokuqatshelwa. Amafama emfuyo akwithuba elihle lokuba angakwazi ukonga imali kangangoko efuna. Oku konga imali kusuka kwimali yezinto ezithengiswayo ngumfama, iimfele zazo, inyama yazo,uboya bazo nezinye izinto ezivela kwimfuyo ezifana nobisi.
Ukucutha inkcitho yakho kwimali yokuthenga izinto zokondla imfuyo, kungenza ukuba imali yakho iyekuvalelwa kwibhanki yakho yokonga. Ukuthenga imfuyo esencinci ukuze ukhulise umhlambi wakho yenye indlela yokukhulisa ingeniso, ukukhula kwengeniso kukhula kwemali oyongayo mfama.
Ukuthengisa imfuyo yakho phambi kokuba iphelelwe lixesha yenye indlela yokonga imali, logama ucutha inkcitho yakho. Ikamva nokukhula komsebenzi wakho mfama kuxhomekeke ngamandla kumyinge wemali uyongayo ngamaxesha onke ungenisa imali. Gcina inkcukacha nolwazi malunga nenkcitho oyenzileyo ukuze uqwalasele izinto ekungamelanga ukuba uzithenge kwakho kwixesha elizayo. Oko kukuchutha intengo yezinto ezingafunekiyo ukuze imali iye kwibhanki yakho yokonga.
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