Imithetho eyisixhenxe yoqoqosho
1 ulawulo. Rekhoda iindleko zakho
Ukurekhodwa kwazo zonke iindleko zisasazwa, zombini ukuthengwa okukhulu kunye nokuthenga okuncinci. Qala incwadana ekhethekileyo okanye uvule inkqubo ekhethekileyo yekhomputha-Excel, ukwahlula itafile kwiigrafu eziliqela kunye nosuku, uza kufaka zonke iindleko zakho. Ekupheleni kwenyanga kufuneka udibanise onke amanani kwaye uza kufumanisa ukuba imali ichithwa ngayiphi na inkcitho nganye. Ukuba ususa ukuthenga onokuyenza ngaphandle, uya kubona ukuba uninzi lwemali ongayilondoloza kwenye inyanga.
2 ulawulo. Siceba kwaye sihlalutye
Ekuqaleni kwenyanga nganye, cwangcisa imali kunye neengeniso. Umntu ngamnye unentlawulo ephuthumayo, ekufuneka ihlawulwe ngokuqinisekileyo, ayikwazi ukulahleka - ityala, ukuboleka imali, irente. Ukuba ubala le indleko kwangaphambili, uya kuqonda ukuba imali ehlala yintoni ekhoyo. Wonke umntu ngohlahlo lwabiwo-mali unenethiwekhi yeendleko "eziqhubekayo", zinokuqikelelwa. Ngoko kufuneka ulondoloze imali "engathandekiyo", engacacanga ukuba iya kuphi.
Hlaziya ukuthenga kwakho, cinga ngezinto zokuthenga ezibaluleke kakhulu okwangoku, yintoni enye enokuyilinda, ngaphandle kokuba ungayenza ngaphandle, zama ukuhlala ngendlela yakho.
3 ulawulo. Gwema amatyala kunye namakhredithi
Imali ilula kakhulu ukuboleka, kodwa kunzima kakhulu ukuyibuyisela, ngokukodwa imali mboleko kunye nenkqubo yabo yenkxalabo enzima. Zama ukuhlehlisa inyanga nganye encinci ekuthengeni okukhulu, kunokuboleka imali eninzi kubahlobo kunye nokuthenga izinto kanye. Kwenzeka ukuba iimeko zidlala nawe, kwaye awukwazi ukubuyisela imali ngexesha. Funda ukuthembela kwisikhwama sakho kunye kuphela.
4 ulawulo. Siyiyeka kwidiphozithi
Idiphozithi ithathwa njengendlela ekhuselekileyo yokutshala imali. Kwinqanaba lezona ziko-mali ezinokholo, khetha ibhanki uze uvule i-akhawunti apho. Cima kule akhawunti ukusuka kwi-5-30% yomvuzo wakho, emva kokuba uyifumene, de uze uchithe yonke imali. Idiphozithi iya kuba sisitoko sakho semini yokuvula, okanye ukuthengwa okuthe xaxa. Kunenzuzo ngakumbi ukuyithatha ekupheleni kwekota, ngaphandle koko uya kulahlwa ngumdla. Fumana ii-akhawunti ezininzi kwiibhanki ezahlukeneyo, akudingeki ukuba "ubeke onke amaqanda kwinqwelo elinye", makabekho ubuncinane amabali ahlukeneyo. Yazi ukuba xa kukho ingxaki ebhankini, utyalo-mali lwakho luyakhutshwa ngu-rhu lumente ukuya kwii-ruble eziyi-700 zamawaka. Inketho efanelekileyo iya kuba yinto enokuthi uyenze loo "khuselo lokukhusela" lwemali, eya kulingana ngaphantsi kweendleko zakho ezintathu zeendleko zenyanga.
5 ulawulo. Shiya yonke imali ekhadini
Xa ufumana imali kwikhadi lakho lebhanki, akufuneki ukukhawuleza ukurhoxisa yonke imali. Kuya kuba ngcono xa ushiya ibhalansi yemali ngomvuzo ngamnye, ungayisebenzisa ukuba awukwazi ukugcina kwisabelomali ngaphakathi kwenyanga. Ngaphandle kwemfuneko enkulu, musa ukuyithinta le mali. Kodwa xa iinyanga ezimbalwa ziqokelele izilinganiso ezininzi kwi-akhawunti yakho, kuya kuba yindawo enkulu yokugcina imali, kwaye ungayisebenzisa ngokulula, into ongayithethi ngayo ngediphozithi.
6 ulawulo. Ukuqikelela, ukubala rhoqo nokuzithiba
Le yimi-3 imithetho esemqoka yoqoqosho. Ngokuqinisekileyo kuya kubakho ukugcina namhlanje, cinga yonke ipenki, xa uthengela ukutya, nangomso usichitha yonke le mali igcinwe kwivenkile yokutyela.
Zama ukubala imali yakho rhoqo, ziqinisekise ukuba kufuneka ugcine imali. Ukulondoloza kufana nokutya. Kuya kuba nzima ukuqala, kwaye uza kulusebenzisa kwaye uza kusindisa ngokuzenzekelayo.
7 ulawulo. Ukuqhuba uhlalutyo lwemakethi
Musa ukutshabalalisa impahla kwi-counter ngokungekho mfama kwaye ingaboni. Ukuze ufunde indlela yokugcina, kufuneka uqaphele uluhlu kunye namanani. Abakhiqizi abaninzi banciphisa amaxabiso xa bengena kwiimarike ukwenzela ukutsala umthengi. Ngexesha elifanayo, iipropati zemveliso kunye nomgangatho akabi nakakhulu kunezo "sele zenze igama." Nika ingqalelo umahluko phakathi kwempahla yasemakhaya neyentengiso, phakathi kweempahla ezenziwe ngezandla kunye neempahla ezixutywe ngobuninzi, phakathi kweempahla ezipakishwe kwiipakethe ezikhanyayo okanye ezifakwe kwiiphakheji ezilula.
Qaphela izaphulelo, zifihla ukubamba, nje umkhiqizo uza kutshatyalaliswa kungekudala.
Yintoni ongayilondoloza kuyo?
Cigarettes
Ngaba uyayeka ukutshaya? Udinga ukukhusela impilo yakho, kwaye unokwenene ukuthenga isethi yeengubo zangaphantsi ngemali egcinwe. Kuyavakala ukulingwa.
Ngeveki, ukugcina okuphakathi kwama-4 e-ruble ama-50.
Ngeveki - ii-ruble ezingama-200.
Ngama-ruble angama-9600.
Iindaba
Ukuthengwa kwee-periodically kubonakalisa kakhulu inkunkuma. Amaphephancwadi, amaphephancwadi, ngenxa yokuba unokufunda konke oku kwi-intanethi, unokujonga nge-beauty salon ngelixa ulinde ixesha lakho. Ngaba uyicinga ukuba awuyi kuhlala ngaphandle kwiphephancwadi elixubileyo? Emva kwakho konke, ngale mali ungathenga inyanga ezili-10 ezahlukahlukeneyo ezinomdla kwaye ezinoncedo ezingayi kuba ziphelile ngenyanga, njengamaphephancwadi akho.
Ukugcina (ama-3 amaphephandaba ngama-ruble angama-20 ngeveki, umagazini we-ruble 100):
Ngeeyure eziyi-160.
Kwinyanga - 640 ruble.
Ngonyaka wama-7680 ruble.
Snack
Uhlahlo lwabiwo-mali lwentsapho luchatshazelwa kakhulu le ncinane, iindleko ezingenakwenziwa. Kukho iiruble ezingamashumi amabini, iiruble ezilishumi, ukhangeleka, kodwa awunayo i-ruble eyiwaka. Wonke umntu uyazi le meko. Masithathe ulawulo lweendleko. Ukuhlafuna i-gum, i-ayisikrimu, i-Coca-Cola, izitya, zithenga xa ufuna. Kwaye ke ekupheleni konyaka wezoqoqosho ungabhalisa kwizifundo zaseSpeyin.
Ukugcina (iipakethe ezi-3 zokufuna i-ruble i-ruble eziyi-15, iziphuzo ezi-5 ngeeruble ezingama-20, ii-chocolates ezi-5 zeruble, iiruble ezingama-50 ezihluphekileyo):
Ngeveki - ii-ruble ezingama-270.
Ngeenyanga ezili-1080 ruble.
Ngama-ruble engama-12960.
Ukuthenga
Musa ukuya ngaphandle kwishishini kumaziko okuthenga kunye neentengiso ezinkulu. Thatha kwaye ubhale uluhlu lwezentengiso xa uya esitolo, kwaye uzame ukunamathela kuyo. Thatha amakhadi athathekayo. Musa ukuthenga ngokukhawuleza, ukubeka eceleni isiqingatha seyure into oyithandayo. Thatha uhambo malunga neentengiso uze ubone ukuba ufuna ngokwenene le nto, kwaye ukuba awuyithengi, iya kusinda. Ukuba ngekhadi lekhredithi uthengisa izinto, gcina onke amatshekishe kwaye ukhangele ngokukhawuleza umlinganiselo wekhadi lakho.
Ukulondolozwa (ukuthengwa okungenamsebenzi ngeveki)
Ngeveki - 1000 rubles.
Kwinyanga - ii-ruble ezingama-4000.
Ngonyaka - ama-ruble ama-48000.
Khawucinge nje ukuba uza kuba nemali eninzi kwizinto eziyimfuneko kunye nezinto ezinokucingwa, ukuba uyeka ukwenza izinto ezingenamsebenzi, kungekho nto engcono ukuyenza. Kufuneka ugcine i-wallet yakho phantsi kolawulo. Kuyo yonke intsapho, kungakhathaliseki ukuba ingeniso, unokucwangcisa yonke into ukuze inhlalakahle yentsapho iza kukhula rhoqo, kwaye ingabi ngokuhlala kwi-pay pay to pay. Kwiintsapho ezininzi, isiqingatha semali engenayo siyacaca ukuba yeyiphi isiqendu. Ndineemali nje, kwaye ziye zahamba. Ukuba kunengqiqo ukufikelela kubhajethi yentsapho, ke ezi lahleko zingancitshiswa zibe yi-10% yenani elipheleleyo.
Iintlawulo ezinyanzelekileyo kunye neendleko ziintlawulo zikamasipala, iimboleko kunye nokunye, kwaye le nkcitho yenkcitho isahlulo sohlahlo lwabiwo-mali.
Emva koko kukho iindleko zokutya. Kuba inkosikazi yezoqoqosho ilapha ulwandle lomsebenzi. Yaye ukuba ukutya kuthengwa ngenyameko, ngoko amaninzi amanqaku aphezulu kwaye anobungozi aya kufakwa kwiimveliso eziyimfuneko. Musa ukuthetha ngeenzuzo zezempilo zemveliso ezigqityiweyo, zibiza kakhulu kunezitya ezenziwe kwenyama yendalo. Zihamba ngokukhawuleza kwaye zikulungele, kodwa zibiza kakhulu, kodwa zizinto zokutya ezingenakuqondakala.
Ngokwahlukileyo, kukho iilekese ezahlukahlukeneyo, iindwangu, iindwangu. Ziqulethe ininzi ishukela, akubi kumfanekiso, kwaye ngaphandle koko, kukho izidibaniso ezahlukeneyo zokuphucula intle. Akukho nto icinga ukuba ixabiso elincinci kwaye libhetele kunobisi obisiweyo obisikiweyo kunye noshizi oluqhelekileyo ushizi, apha unako ukubeka ushukela ukunambitha.
Musa ukuyeka isobho. Kuyo yonke intsapho, ikhosi yokuqala iyidlo engahlambulukiyo kwaye isondlo. Kubiza ngexabiso elincinci kabini kwisitya sesibini. Kufuneka udle izityalo nemifuno yonyaka. Zingabizi ngexesha lokuvuna. Nge-mayonnaise kungcono ukutshintshela kwi-ukhilimu omuncu, kuya kubakho inzuzo ephindwe kabini kwisikhwama nasesisu. Kufanelekile ukuthenga imifino kwiimarike, inkukhu, intlanzi kunye nenyama kwisitoreji kwisityalo sokupakisha inyama.
Ekubeni ukutya kwahlulwa, kusekho iingubo zokutya
Ngokumalunga namaRashiya, uhlobo luye lwaphosa ihlaya elibi, sinamaxesha ama-4 amaxesha, kwaye rhoqo kufuneka iingubo zenzeke. Ebusika, awukwazi ukwenza ngaphandle kwebhokisi elisezantsi kunye neengubo zoboya, ehlobo ngaphandle kwemfutshane kunye nee-T-shirts.
Kuyakwazi ukuxazulula iimeko zokunqongophala kwezoqoqosho. Kwi-wardrobe, abafazi banezinto eziye zaba zikhulu okanye zincinci. Zingasasazwa kwiintsapho, ungathengisa, uthatha umfanekiso wesento uze ufake isikhangiso samahhala kwiphephandaba. Yaye i-closet ikhululiwe kwiingubo kwaye kukho imali encinane. Oku kufana nokusebenza kwizinto zezingane, nazo zingathengiswa ukuba zingasadingeki.
Ngoku siyazi into enokuyenza ngamancinci amancinci okanye indlela yokufunda indlela yokugcina imali. Kuyimfuneko kwaye ingasindiswa, into ephambili ayiyikuba iguqulwe ixesha libe ngumfazi onobugovu obambelele. Kufuneka ukhumbule ukuba uzigawula ezintweni ezincinci ukuze ufumane ukubonakala okucacileyo xa uhamba olwandle kunye nosapho lonke, okanye ufuna ukuthenga into efanelekileyo.