Uma oyedwa wenu ekhokhela konke: indlela yokubuyisa ibhalansi

Yingxenye eyenzeka ngokuzenzakalela ekukhathazayo.

Hhayi u-R240 esitolo. Iqiniso lokuthi isandla sakho siye ephaketheni lakho kungekho noyedwa wenu ophakamise ikhanda. Sesiye ephaketheni lakho izinyanga eziyishumi nanye, futhi kwesinye isikhathi sayeka ukuba yinto enhle obuyenza sase kuba yisivumelwano — esingakaze siphakanyiswe muntu, esingavunyelwe muntu, futhi manje okungekho ongasiphatha ngaphandle kokuthi kuzwakale njengokusola.

Awucasukelanga imali. Ucasukela ukuthi kwanqunywa kungekho isinqumo.

Izindaba ezimnandi: lena ingenye yezinto ezilungiseka kalula ebudlelwaneni, uma nje uhlonza kahle ukuthi iyiphi kwezintathu ezihluke ngokuphelele onayo. Iningi leseluleko lehluleka ngoba licabanga ukuthi wonke umuntu unengqinamba efanayo.

Izimo ezintathu ezizwakala zifana ngaphakathi

1. Kukhona igebe lemali engenayo. Oyedwa wenu uhola kakhulu ngokuphawulekayo. Ukwehlukanisa konke phakathi kubukeka kunobulungiswa kodwa akunjalo: u-R16 000 ofanayo uluma ngendlela ehlukile kakhulu emiholweni emibili ehlukene kakhulu. Lapha lowo okhokha kakhulu wenza into enengqondo — nje kwenzeka ngokungahleliwe, kungaqanjwanga, futhi yikho okukwenza kubonakale kungazinzile.

2. Kwavele kwenzeka. Imiholo cishe iyafana. Kwavele… kwenzeka. Ikhadi lakho yilo elalifakiwe ekuthengeni, wabhukha uhambo ngoba nguwe owawuselaptophu, futhi ngemva kwezinyanga eziyishumi nanye kunephethini engakhethwanga muntu. Yilena inguqulo evame kakhulu, futhi engabalulekile kakhulu — kodwa yiyona edala inzondo eningi buthule, ngoba ayinaso isizathu, okwenza kubonakale kusho okuthile.

3. Omunye uyakugwema. Uhlala engekho uma kufika ibhili. Ungacacisi ngezimali zakhe. Ngaso sonke isikhathi akanayo. Lena akuyona inkinga yesabelomali futhi ayikho i-app ezoyixazulula.

Zifunde futhi lezo bese ukhetha ngokwethembeka. Ukusebenzisa isixazululo sesinye kwesinye yikho kanye okwenza ingxoxo encane ngemali ibe yinkulu.

Uma kuyigebe lemali engenayo: yehlukanisa ngesilinganiso, hhayi ngokulinganayo

Umqondo osiza kunayo yonke ezimalini ezihlanganyelwe, futhi kuthatha umzuzu owodwa ukuwuchaza.

Esikhundleni sokwahlukanisa izindleko ezihlanganyelwe phakathi, umuntu ngamunye ufaka ngokwesilinganiso salokho akuholayo. Iphesenti elifanayo lemali engenayo, hhayi inani elifanayo lamarandi.

Ake sithi oyedwa wenu uthola u-R56 000 ngenyanga omunye athole u-R34 000. Izindleko ezihlanganyelwe — irenti, amabhili, ukudla, izinto ezihlanganyelwe — zifika ku-R32 000.

Ukwehlukanisa 50/50: R16 000 ngamunye.

• Ohola kakhulu ugcina u-R40 000 ku-R56 000 — amaphesenti angu-71 emali yakhe engenayo.
• Ohola kancane ugcina u-R18 000 ku-R34 000 — amaphesenti angu-53 kweyakhe.

Oyedwa wenu unemali eseleyo ephindwe kabili kunomunye, kusuka esivumelwaneni esichazwa njengesilinganayo.

Ukwehlukanisa ngesilinganiso: imali engenayo ehlanganisiwe ngu-R90 000, ngakho izabelo ngamaphesenti angu-62 nangu-38.

• Ohola kakhulu ukhokha u-R19 920. Ugcina u-R36 080 — amaphesenti angu-64 emali yakhe engenayo.
• Ohola kancane ukhokha u-R12 080. Ugcina u-R21 920 — amaphesenti angu-64 emali yakhe engenayo.

Kuyafana. Hhayi amanani afanayo — ingcindezi efanayo. Nobabili nizizwa ngendlela efanayo ngenyanga.

Yiwo wonke lowo umbono, futhi yingakho ukwehlukanisa ngesilinganiso kuvame ukuyiqeda le ngxoxo unomphela kunokuyihlehlisa. Kususa nento eyenza inguqulo engahleliwe ibe nobuthi: ohola kakhulu usakhokha okwengeziwe, kodwa manje kungumthetho hhayi umusa, futhi umusa yizinto ezikhunjulwayo zibalwe.

Bala izinombolo zakho ngaphambi kwengxoxo. Ukuthi “Ngenze izibalo futhi kungu-62/38” kulula kakhulu ukukuzwa kunokuthi “Ngizwa sengathi ngikhokhela konke.”

Uma kwavele kwenzeka: kuqambe, ungakumangaleli

Ngemiholo esondelene, isixazululo singesokuphatha — kodwa kuphela uma umelana nesifiso sokuqala ufakazele icala.

Umuzwa uthi ufike nobufakazi. Amaslip ezinyanga eziyishumi nanye. Isamba. Ungakwenzi lokho. Ngomzuzu okhipha ngawo incwadi yamabhuku, umlingani wakho uba ngummangalelwa, futhi abantu bayazivikela kunokuvumelana nawe.

Okusebenzayo kufushane futhi kuyisicefe:

“Ngiqaphele ukuthi ikhadi lami yilona eliphumayo cishe kukho konke, futhi angicabangi ukuthi omunye wethu wakunquma ngempela lokho. Singamisa okuthile ukuze kungabi ngukukhala koyedwa wethu?”

Izinto ezintathu ezikwenza kufike: kuchaza iphethini kunephutha, kususa ukusolwa kini nobabili obala, futhi kuphetha ngesicelo kunesigwebo. Akekho okumele avume ngalutho ukuze athi yebo.

Bese nimisa uhlelo ngabo lobo busuku, ngesikhathi umusa usemusha. Ingxoxo engakhiqizi uhlelo yingxoxo eniyoyiphinda ngoMashi.

Uhlelo: izikhwama ezintathu

Isakhiwo esisebenza kubathandanayo abaningi, kusuka ezimalini ezilula kakhulu kuya kwezixakile kakhulu:

Okwakho. Okwami. Okwethu.

Okwethu kumboza lokho enikuhlanganyela ngempela — irenti, amabhili, ukudla, isofa, iholide. Kufakwa imali ngokulinganayo noma ngesilinganiso, kuya ngokuthi nikusiphi kwezimo ezingenhla.

Okwakho no-okwami yikho okusele: izingubo, izipho, izinto ozithandayo, izinto obuzozithenga kungakhathaliseki ukuthi uhlala nobani. Akudingeki ukubonakala, akukho ukuzilanda, akukho ingxoxo.

Isizathu sokuthi lokhu kusebenze akusiyona i-akhawuntethi. Ukuthi kwakha umngcele ocacile mayelana nokuthi yini ekhulunywayo. Ngaphandle kwawo, konke ukuthenga kungaba yindaba ehlanganyelwe, futhi lokho kukhathaza bobabili.

Ngokoqobo:

1. Bhalani phansi izindleko ezihlanganyelwe. Hlalani phansi kanye nesitatimende sasebhange, futhi nithembeke ngezimo eziphakathi ezingakhululekile: ingabe isikweletu se-streaming sihlanganyelwe? Imoto? Ikati? Ayikho impendulo elungile, kunenqunyiwe kuphela.
2. Khethani okulinganayo noma okwesilinganiso. Sebenzisani isibalo esingenhla.
3. Bhalani ukusebenzisa imali okuhlanganyelwe njengoba kwenzeka. Hhayi ngenkumbulo ekupheleni kwenyanga. Nobabili kufanele nikwazi ukubona ibhalansi efanayo ningabuzani.
4. Khokhelanani ngosuku olumisiwe. Usuku lweholo luyasebenza. Usuku yilo olususa ukudinga ukubuza.

Isinyathelo sesine yileso abantu abasieqayo futhi yiso esenza umsebenzi. Uma kukhona usuku olumisiwe lokukhokhelana, akekho odinga ukukuphakamisa — futhi ukudinga ukukuphakamisa yiyona yonke inkinga ozama ukuyixazulula.

Ungakwenzi ngenkumbulo

Iphuzu ngohlelo uqobo, ngoba yilapho izinhloso ezinhle zivamise ukufa khona.

Inkumbulo ayinabandlululo. Wonke umuntu ukhumbula akukhokhile ngokugqamile kunalokho akukhokhelwe — lokhu kuwukuchema okubhalwe kahle, hhayi isici sesimilo, futhi kuthinta nobabili ngasikhathi sinye. Abantu ababili bangakholwa ngobuqotho ukuthi bafaka okwengeziwe, futhi bobabili babe neqiniso.

Yingakho isixazululo kumele sibe yinto nobabili eningayibuka. Hhayi ispredishithi esigcinwa ngoyedwa wenu — lokho kudlulisela nje ukungalingani ekuphatheni. Into ehlanganyelwe, lapho indleko ibhalwa khona ngamasekhondi ambalwa futhi nobabili nibone inombolo efanayo.

Uma lokho sekukhona, isihloko sicishe sinyamalale ebudlelwaneni benu, okuyiyona nhloso yangempela. Akekho ofuna uhlelo oluhle lokuxoxa ngemali. Bafuna ukuyeka ukuxoxa ngayo.

Lokho imali engakukali

Kufanele kushiwo, ngoba ukwehlukanisa ngesilinganiso kungakusitha buthule.

Eminye iminikelo ayiveli nhlobo esitatimendeni sasebhange. Umuntu olandelela ukuthi umshwalense uvuselelwa nini, okhumbula izinsuku zokuzalwa zayo yomibili imindeni, oqaphela ukuthi ubisi luphelile, ophethe imephu yengqondo yekhaya — lowo ngumsebenzi wangempela, uthatha isikhathi sangempela, futhi wabiwe ngokungalingani kakhulu kubathandanayo abaningi.

Uma oyedwa wenu efaka imali encane nokuningi kwalokho, amabhuku akusona sonke isithombe futhi ukwehlukanisa akufanele kwenze sengathi ayiso.

Uma kungukugwema

Ngamafuphi, ngoba kufanelwe ukwethembeka kunendlela yokuzungeza.

Uma umuntu oyedwa engavumi ukuhlanganyela njalo — engacacisi ngemali engenayo, engekho uma kufika amabhili, ezivikela uma kuphakanyiswa — ukungalingani akuyona inkinga. Kuwuphawu. Ukulandelela okungcono kuzokwenza kubonakale kakhulu, hhayi kube ngcono, futhi kunengozi yangempela yokuthi i-app ehlanganyelwe ibe yinto engenye yokuzizwa ubhekiwe.

Leyo yingxoxo, futhi ngezinye izikhathi ingxoxo nomuntu ongaphandle kobudlelwane. Akusona isicelo sesici.

Lapho iDonget ifanele khona

Ezimweni zokuqala nezesibili, ingxenye eyithuluzi ilula ngempela, futhi iDonget imahhala:

• Iqembu lenu nobabili, kunezindleko ezihlanganyelwe kuphela — okwakho no-okwami kuhlala kuyimfihlo.
• Yehlukanisa ngephesenti — misa u-62/38 kanye bese yonke indleko ehlanganyelwe yehlukaniswa kanjalo ngokuzenzakalela, ngaphandle kokubala kabusha njalo ngenyanga.
• Ukuskena amaslip mahhala, ngakho ukubhala ukuthenga kwesonto kuyisithombe esisodwa hhayi umsebenzi omunye wenu azowueqa.
• Nobabili nibona amabhalansi afanayo ngesikhathi sangempela. Alikho ibhuku, ayikho inkumbulo, akukho “kodwa bengicabanga ukuthi ngiyikhokhile leyo”.
• Khokhelanani ngosuku lwenu olumisiwe, ngezinkokhelo ezimbalwa.

Kukhona okwengeziwe ekhasini lokusebenzisa kwabathandanayo, futhi i-kwehlukanisa izindleko kwabathandanayo ichaza ukumisa ngokuningiliziwe.

Iphuzu

Akusikho ukulinganisa. Abantu ababili abathandanayo akufanele bazame ukufinyelela ibhalansi ka-zero.

Iphuzu ukuthi akekho phakathi kwenu okufanele agcine ibhuku lakhe eliyimfihlo — ngoba ibhuku eliyimfihlo yikho okwenzeka manje, kuleyo nguqulo lapho kwenzeka ngokuzenzakalela futhi kungekho oshilo lutho. Lelo bhuku lenza umonakalo omkhulu kakhulu kunalokho u-R240 esitolo abewungakwenza.

Kwenze kubonakale, vumelanani ngomthetho kanye, bese uyeka ukuba yinto omunye wenu acabanga ngayo ekhawunta.

Imibuzo evame ukubuzwa

Kufanele abathandanayo bawehlukanise kanjani amaholo uma oyedwa ehola kakhulu?

Ukwehlukanisa ngesilinganiso ngokuvamile kuzwakala kunobulungiswa: umlingani ngamunye ufaka isabelo esifanayo semali yakhe engenayo esikhundleni senani elifanayo, ngakho ohola kakhulu ukhokha okwengeziwe kodwa akekho ocindezelekile. Amashumi amahlanu-amashumi amahlanu kuzwakala kunobulungiswa kuphela uma imiholo isondelene.

Kuvamile yini ukuthi umlingani oyedwa akhokhele konke?

Kuvamile kakhulu, futhi kuvame ukuqala ngengozi kunokuvumelana. Inkinga akuyona imali — inkinga ukuthi isivumelwano esingakhulunywa sakha inzondo buthule. Ukukuqamba nokukhetha ukwehlukanisa ngamabomu kulungisa iningi lakho.

Wehlukanisa kanjani izindleko ngobulungiswa ebudlelwaneni?

Nqumani indlela obala — ngesilinganiso semali engenayo, ngesigaba, noma amashumi amahlanu-amashumi amahlanu — landelelani izindleko ezihlanganyelwe endaweni eyodwa, futhi nikhokhelane njalo.

Iyiphi indlela enobulungiswa kunazo zonke yokwehlukanisa amabhili njengabathandanayo?

Ayikho impendulo eyodwa, kodwa ukwehlukanisa okunobulungiswa yilokho nobabili enivumelene ngakho futhi eningakubona. Ukwehlukanisa ngesilinganiso semali engenayo, noma ngesigaba, kokubili kuyasebenza uma kucacile futhi kubhaliwe.

I-app ingabasiza kanjani abathandanayo abehlukanisa ngokungalingani?

I-app ibhala ukuthi ubani okhokhile ini, ngakho ibhalansi iba yiqiniso esikrinini kunokuba yinkumbulo okuphikiswana ngayo. IDonget ikuvumela ukwehlukanisa ngesilinganiso noma ngamanani anembile bese ukhokhelana ngokuthepha okukodwa — mahhala, azikho izikhangiso.

Landa iDonget mahhala bese umisa iqembu lenu elihlanganyelwe cishe ngomzuzu owodwa.