Xa sithetha ngezemali, amaxesha amaninzi sikholelwa ekubeni sithetha ngabantu abaninzi abase ofisini, kwaye bayayenza imicimbi yezigidi zeedola phakathi kweenkampani ukwenza utyalomali; Nangona kunjalo, ayisiyiyo yonke le nto. Ngokubanzi olu luvo lusikhawulela kwaye lusenza ukuba sicinge njalo imali ayinguye wonke umntu, kodwa akukho kwanto inyanisekileyo, kwanele ukuhlalutya inani labantu abangena ematyaleni kwaye abanamkhwa wokulondolozela iimeko ezingalindelekanga.
Kodwa eyona mpazamo ichaphazela ngakumbi kukuba siyakholelwa kuloo nto abantwana akufuneki bafunde ezemali bade bangene kwikholeji. Ngale nto sibhale eli nqaku kunye nabanye Ingcebiso malunga nokuba zeziphi na izihloko ekungaxoxwa ngazo nabantwana, kwanendlela ekufanele ukuba kuyiwe kuyo ukuze usana lubaqonde.
Abantwana
Ngaphambi kokungena ngokupheleleyo ngesihloko esiyintloko kufuneka Cacisa indima edlalwa ngabazali nabantwana badlala kolu qeqesho lwezemali; kwaye kukuba ukufundisa ngemali ebantwaneni ayisiyonto ifuna ishedyuli ethile kunye nencwadana yamanqaku kunye namanqaku. Uninzi lweendlela zakho ezilungileyo abantwana bafunda ziimithambo ezinamandla kunye nomzekelo wabazali. Kungenxa yoko le nto kubalulekile ukuba sifundise abantwana ngemali, njengabantu abadala kufuneka sikwanomdla wokufuna ulwazi oluthe kratya olusifundisa thina.
Ngoku, abantwana basengabantwana, ke kuyakubakho amaxesha apho banokuthi babe khona kukho ubunzima bokufunda. Kuba oku kubalulekile ukuba utata aqonde ukuba usana luya kuba namathandabuzo malunga nokuba kutheni ukwenza okanye ukungazenzi ezinye izinto; Kubalulekile ukuba umzali njengomcebisi abe nomonde kwaye azame ukucacisa imicimbi emntwaneni wakhe ngendlela elula; ngoku ukuba siqala ngokujongana nesihloko esiphambili, imfundo yezemali yabantwana bethu.
Umzekelo
Kwimihlathi edlulileyo sikhankanye enye yezona ngongoma zibalulekileyo, umzekelo wabazali; Kwaye ekuziqhelaniseni ayizukunceda nganto ukuxelela umntwana wakho ukuba amatyala akasoloko elungile, ukuba uzifaka ematyaleni ngokwakho. Kwaye ayizukuyenza lukhulu ukuyithetha loo nto Kuya kufuneka wonge ukuba umntwana akayiboni imikhwa yokonga njengesiqhelo sabazali bakhe.
Ukulungiselela oku kubaluleke kakhulu ukuba abazali bazifundise bona kuqala, kwaye bahlakulele imikhwa esempilweni ngokwezemali; Kwimeko apho ke le mikhwa ingekhoyo, ingayinto entle ukubanakho ukuyikhulisa ngelixa sifundisa abancinci, ngale ndlela bayakubona ukuba abazali bazama ukusebenzisa iingcebiso zabo, kwaye baya kuqala ukubona izibonelelo kwaye baya kuba ngumkhwa.
Ezinye ze nemikhwa yemali enokuhlakulwa kwaye eya kusebenza njengomzekelo olunge kakhulu kubantwana kukugcina, ukulawula amatyala notyalo-mali. Kodwa zininzi iinkcukacha ezingakumbi ezinokongezwa kolu luhlu, njengokwenza uhlahlo-lwabiwo mali lwenyanga okanye lonyaka ukulawula ukungena nokuphuma kwemali ekhaya. Omnye umntu unokubala iindleko zeembovane ukuze abenako ukubona ukuba ilahleko engakanani imali ukuba akukho kulawula kungqongqo kwinkcitho yethu.
Thetha ngemali
Amaxesha amaninzi njengomzali uzama ukuthenga yonke into enokwenzeka emntwaneni, nangona kunjalo lo mkhwa uhlala umenza umntwana akholelwe ukuba imali yinto elula ukuyifumana. Kwaye njengokuba ixesha lihamba omncinci uyokhula ngaphandle kokubakho imvelaphi, intsingiselo, ukubaluleka kunye nexabiso lemali. Sombulula imiba efana nokuba ngubani iibhanki, ngubani olawula imali kwaye yeyiphi eyona ndima yabo.
Xa uthetha ngemali nabantwana abancinci kufuneka silumke sisebenzise isigama kunye nemizekelo abayiqondayo. Kubalulekile ukuba bayazi le micimbi, ukuze ukususela kwiminyaka yobutsha babe nobudlelwane obuyinyani nayo. Umzekelo ocacisa le nto siyithethayo yeyokuba xa umntwana esondela kwindawo eyingozi njengakumda wendawo ephezulu, simsusa kwangoko, nangona kunjalo, ngemicimbi enje ngetyala, oku akuqhele ukwenzeka; Ngale ndlela umntwana uya kukhula esazi ukuba ukuwa kwindawo ephezulu kuyingozi, nangona kunjalo akazokukhula ekwazi oko Kuyingozi kunokuba lityala elibi.
Omnye umba esinokuwugubungela yile Ixabiso lenene lemali, ukuze bangezi kuyithatha njengeziko lehlabathi; Kufuneka icaciswe ukuba ixabiso lemali livela kwiinjongo ezincedayo ukufezekisa, hayi kwixabiso lalo. Ngale ndlela bayayazi indlela yokubeka imali endaweni yayo, kwaye abanakuze bavele baninzi.
Enye inqaku elibalulekileyo kukunika uqeqesho olupheleleyo kubuntu babo, Ngale ndlela, imicimbi efana neprofayili yomntwana, ukuba uhlala ethabatha umngcipheko okanye ukuba ugcinwe bucala, iya kucaciswa; ke xa sifika kwimiba enje ngotyalo-mali sinokunika iingcebiso ngcono ngokubhekisele koku kuphambuka.
Intlawulo
Njengabantu abadala sinokusetyenziswa ube nomvuzo omiselweyo, kwaye oku kufunyanwa rhoqo, inokuba yiveki, iiveki ezimbini okanye inyanga. Oku kusenze sanezakhono ezithile zokulawula imali ngeli xesha singenamvuzo. Ukuze ufundise umntwana izinto ezinje ukonga nokulawula ingeniso ngumbono olunge kakhulu ukunika umntwana isibonelelo seveki.
Nje ukuba isixa semali ukuba uza kuhlawulwa ngeveki singaqhubeka ukwenza isicwangciso sokulawula inkcitho yakho, ngale ndlela unokwenza uhlahlo-lwabiwo mali olubandakanya imicimbi efana neendleko zesikolo, phakathi kwezinye. Inqaku elinokunceda umntwana kakhulu kukuseta iinjongo, inokuba yinto yokudlala, ikhonsoli, okanye into enomdla kuxhomekeke kubudala bakhe; Ngale ndlela siyakuziqhelanisa nokonga, kuba Umntwana akazokwazi kuphela ukulawula iindleko zakhe zeveki, kodwa uya kuyazi indlela yokubanyusa ukuze babe nakho gcina kwaye ufezekise injongo.
Apha kuyathakazelisa ukuba iingcali ezininzi zicebisa ukuba umntwana agcine ulawulo lweendleko zakhe, oko kukuthi, ade aqwalasele iimpahla aza kuzithenga, ngale ndlela umkhwa uya kuyilwa ngendlela enzulu kubuntu bakho. Nangona kunjalo, kubaluleke kakhulu ukuba ube nokuqonda kulo mbandela, kuba kuya kufuneka ulinde ade abe umdala ngokwaneleyo ukuze aqonde iindleko ezibangelwa bubomi obuqhelekileyo. Ke kwiminyaka yakhe yokuqala yobomi utata uya kuba noxanduva phantse lwazo zonke iindleko, kodwa uya kuqala ukufundisa omncinci indlela yokwenza uhlahlo-lwabiwo mali nokulawula imali yakhe.
Khuthaza ulondolozo
Ukugcina yenye yeefayile ze- imikhwa enzima ngakumbi ukuhlakulela, Kwaye kukuba sichitha imali yethu ngokubanzi kwiminqweno, ukuze sinemali encinci eshiyekileyo yokuyiqokelela. Kwinkqubo yangaphambili sabona ukuba indlela ukukhuthaza lo mkhwa kulawula iindleko, kudityaniswe nenjongo. Nangona kunjalo, kubalulekile ukuqaphela ukuba oku konga kuya kwenzelwa ukuchitha imali. Ngoku kuza elona candelo linomdla, ukufundisa umntwana ukuba agcine ukuze abeke imali kulondolozo kwinto emnika imbuyekezo.
Iibhanki ezininzi zinezixhobo zazo kwimveliso ikhadi elikhethekileyo labantwana, yiya kwezi ndawo ucele isigqeba ukuba sisicacisele, bobabini utata nonyana, izibonelelo zeli khadi ziya kunceda omncinci ukuba aqonde ngakumbi ngotyalo-mali, kwaye abe nomkhwa wokonga ukwenza imali. Kwaye enye inqaku ekufuneka uyiqaphele kukuba umntwana uya kuba nakho ukunxibelelana neziko lezemali, ke umcimbi olandelayo oza kuqwalaselwa uza.
Fundisa ngamaziko
Xa ufumana iakhawunti yomntwana omncinci uya kuba nakho ukwazi ukuba ibhanki isebenza njani kunye neenjongo zayo; Ngale ndlela uyakuyazi ukuba liyintoni na ikhadi, kwaye kukho iintlobo ngeentlobo zeakhawunti, nendlela yokonga ebhankini. Ukuze wenze la mava abe mnandi ngakumbi, kubaluleke kakhulu ukuba Utata waziswa kwangaphambili malunga nokunikezelwa kweebhanki ezahlukeneyo, ukuze ngolu lwazi ufundise umntwana wakho ukuba ahlahle ukuba yeyiphi i-akhawunti efanelekileyo kuye. Oku kuyakwenza ukuba ube nomdla ngakumbi ekujongeni ezinye iindlela ezizezinye, uzihlalutye kwaye wenze isigqibo.
Umthengi olumkileyo
Le yeyona ngongoma ibaluleke kakhulu kwaye inokubiza umsebenzi ongaphezulu, ukufundisa abantwana bethu ukuze bangabi njalo abathengi abanyanzelekileyo Ngumceli mngeni wokwenene kwihlabathi apho baqala khona besebancinci ukuba bahlaselwe ziintengiso zemidlalo yevidiyo. Ukulungiselela le nkqubo, kubalulekile ukuba abazali babe nemikhwa elungileyo malunga noku. Kwaye njengokuba umntwana ekhula, nje ukuba alazi ixabiso lemali, uya kufundiswa ukuba xa echitha kufuneka acinge ngamanqaku ahlukeneyo anokuchithwa yinkcitho yakhe, banokuba yimibuzo enje ngokuba kufanelekile? Ngaba ngokwenene yinto efunekayo? Ngaba kukho ukhetho olunamaxabiso aphantsi?
Ngelixa ayisiyiyo yonke, sisikhokelo esiqinisekileyo ukuba uyakwenza ncedisa ekufundiseni abantwana bakho ngendlela efanelekileyo.