Xa ulungele ukuya kwibhankini okanye abatyali-mali malunga nengcinga yakho yokutyela, uya kwenza yonke imisebenzi yakho yasekhaya.
Yiba nePhepha leWebhu yakho
Ukwenza konke kube lula ukubhala isicwangciso sakho sezoshishino kunye nokufaka isicelo sokuxhasa imali, (ngaphezulu kokubini kwimizuzu emininzi) yinto efanelekileyo yokuqokelela iikopi zazo zonke iphepha oza kuzifuna. Iphepha eliqhelekileyo lokufumana nayiphi na uhlobo lokuxhaswa kwemali liquka iminyaka emithathu yentlawulo yeerhafu, izitifiketi zakho zokuhlawula iisandul 'ukugqibela, isitatimende sezimali somntu siqu. Kwakhona ingcamango enhle yokuqhuba ingxelo yakho yekhredithi, ngoko akukho mangalisa phambi kwengxoxo yakho yasebhanki.
Fumana Indawo yokutya efanelekileyo
Musa ukukhawuleza xa ukhetha indawo . Kukho izinto ezininzi zokuqwalasela, kubandakanywa ukubonakala (mhlawumbi ngemoto okanye ngeenyawo), ukhuphiswano lwendawo, kunye nemiqathango yokucandwa. Indawo yakho yokutyela iya kukunceda wenze isicwangciso soshishino olucwangcisiweyo. Kuya kukunika ingcamango yokukwazi ukuhlala kunye nobukhulu bekhitshi.
Kuya kunceda uhlele uhlahlo lwabiwo-mali, ukuvumela ukuba uhlawule kwiindleko zerenti yakho, ukuboleka imali okanye ukuqeshisa.
Bhala iSicwangciso soShishino
Cinga isicwangciso sakho seshishini ukuba sibe sisigxina somqondo wakho wevenkile. Kusuka kwisicwangciso sakho sezo shishino, uya kwakha ivenkile yakho. Uzakufuna isicwangciso esicatshulwa kakuhle sokukhohlisa abatyala-mali, nokuba ngabazimeleyo okanye zikarhulumente.
Isicwangciso soshishino esisisiseko sifaka isishwankathelo esiphezulu, inkcazo yenkampani, uhlalutyo lweemarike, inzuzo kunye nokulahleka kwenkcazo, kunye nohlahlo lwabiwo-mali. Isicwangciso esikhulu sezo shishino (kwaye ngulo kuphela uhlobo olufanele unike ibhanki) luyakubonisa ukuba wenze umsebenzi wakho wesikolo kwaye uqonda imakethi yasekuhlaleni, ukhuphiswano kunye nemingcipheko enokwenzeka kunye neenzuzo.
Njengengxenye yesicwangciso soshishino sakho, kufuneka unqume ukuba ukhululekile kangakanani ukuboleka, kunye nokuvunywa kwakho ukuboleka. Unjani uhlobo lokubambisa onalo, ngokuchasene nantoni na enokuthi ukhululekile. Ngaba ukhululekile ngokwenene kwisibambiso sesibini kwindlu yakho? Ubani na okhangela abatyala-mali? Amabhanki, kunjalo. Kukho nemibutho yamashishini amancinci, iimali-mboleko zikaRhulumente kunye neenkqubo ezithile kumaqela okanye kwindawo ezithile, kunye nabarhwebi bamashishini abucala. Ngaphambi kokuya kubani na abatshali-mali abangenako, bangela i-snapshot yokukhula okucetywayo kwendawo yokudlela entsha. Kufuneka uquke uhlahlo lwabiwo-mali oluqalayo kunye neprojekthi yokulahlekelwa yintlawulo kunye nelahleko ukuba iiprojekthi ziza kuchitha ngaphaya koko uza kwenza ntoni.
Qinisekisa Oko Ukwenza Ngomhla Wakho Umsebenzi
Ukuvula ivenkile yakho (okanye nayiphi na ishishini elincinci) lukhokelo olukhulu xa ushiya i-paycheck eqhubekayo, inzuzo, umshuwalense wezempilo kunye no-401K.
Okokuqala kwaye ngokubalulekileyo, kufuneka uqinisekise ukuba uya kukhululeka ukwenza loo nto. Yaye ukhululekile ukuba ngumphathi wakho. Le yindawo ofuna ukunyaniseka nawe, ukulungele ukusebenza kakhulu, intsapho yakho ilungele oko? Ngaba ulungele ukuba ngumphathi wakho? Kulula nje ngokuba ngumnini wevenkile ukuba ufuna ukwenza konke ngokwakho, ukususela ekuphekeni ukuya ekuthengiseni ukugcinwa kweencwadi ukulungisa nokugcina. Nangona kunjalo, ukuzama ukwenza konke, nokuba kungakhathaliseki ukukhathazeka ngemali okanye ngenxa yokuba ungacingi ukuba ubani unokuyenza "ngokufanelekileyo" uya kukukhawulezisa kwaye mhlawumbi ibhizinisi lakho lingene emhlabathini.
Ukuba uzimisele ngokuvula ivenkile yakho akuyi kudala ukuqala ukucwangcisa. Ukulungiselela ivenkile entsha kunokukhetha igama kunye nokubhala imenyu. Ukufumana ngokwenene ngemali yakho, umsebenzi wangoku, kunye nezicwangciso zoshishino ziyakunceda ube nethemba xa udibana nabatyalo-mali.