Kuthiwani ukuba kukho umlawuli kwi-tram, kwaye ungenayo ithikithi, kwaye ukhohliwe isikhwama sendlu? Kuthekani ukuba iindleko ezikwindlu ngenxa yezinto ezithile, ezibi kakhulu, ezixinzelelekileyo okanye ezibuhlungu kunye neemeko ezingekhokhelwa kunye neengcamango zibonisa ikamva kwibhokisi yekhadibhodi kwisitalato?
Kuthekani ukuba, ngokutya kwamasemini kwi-cafe, ngokukhawuleza uyaqonda ukuba awuzange ubhale amandla akho emali? Ungayinqoba njani ukwesaba amakhadi eplastiki? Kuthekani ukuba "uthatha inxaxheba" kwimfundo ehlawulwayo, uyaqonda ukuba awunayo indlela yokuhlawula i-semester ezayo?
Ukoyika izithuthi
Into yokuqala okufuneka uyikhumbule xa ungenayo imali kwizithuthi zikawonkewonke ngamalungelo akho. Ukuphululwa kwemithetho yokusetyenziswa kwezithuthi zikawonkewonke kubandakanya uxanduva lolawulo. Nangona kunjalo, umlawuli akanalo ilungelo lokufuna ukuhlawulwa kwentlawulo kwi-cabin yebhasi okanye i-tram, ugunyazisiweyo ukuba abhale irisidi yentlawulo ebhankini, kwaye angakubiza ngokuzithoba ukuba uhambe. Thumela i-violator kummeleli wamapolisa yenkampani yokuthutha inelungelo kuphela xa i-stowaway igweba. Enye inkalo yengxaki ayisoloko isenzo esifanelekileyo sabalawuli. Ukunyamezela nokunyaniseka kuya kukunceda ugcine isithunzi.
Yonke into ibiza kakhulu!
Ukuba i-akhawunti kwindawo yokutyela igcwele i-zeros kwaye idlula inani lemali ekhoyo (ngokuqinisekileyo, uvele ulahlekise itekisi yentengo, ukhangele apho, okanye ukhohliwe ukuba unayo imali eninzi kwisikhwama sakho), unokuhlala uzama ukuxoxisana nomphathi wevenkile okanye i-cafe. Chaza imeko yakho kwaye ubize umyeni wakho okanye intombi yakho uze ubacele ukuba bakunike imali ekhoyo. Ukuba oku akunakwenzeka, nikela ukuhamba njengemali yamathandwayo oyintandokazi, ilayisenisi yokuqhuba (kodwa kungekhona ipasipoti) kwaye uya kwimali. Ukongezelela, ezininzi iikofu ziyakwazi ukukhangela amatyala abo, umzekelo, ukuhlamba izitya okanye ukucoca ekhitshini.
Ummeli
Ulibale i-purse kwaye uhambe kwibhasi yebhasi unako wonke umntu (kulo mzekelo kukulungele ukucacisa imeko yomqhubi ngokukhawuleza), kwaye akukho nto iphosakeleyo ngayo. Kodwa ukuboleka imali ngaphandle kwemfuneko yokuyihlawula - kungekhona into efanelekileyo. Indlela enhle yokulahla ukwesaba kwezemali kukufunda indlela yokugcina uhlahlo lwabiwo-mali (ukubala imali yakho kunye neendleko), zibeke iinjongo zemali (ukuze uphumelele, uye eholidini, uthenge imoto) kwaye ufumane izixhobo ezithile (idizithi, njl.).
Plastiki endaweni yemali
Amakhadi esikwereti sele evele ebudeni bethu. Nangona kunjalo, amaphephandaba kunye namaphephancwadi zizele iingxelo malunga ne-cyber-fraudsters ezithatha imali ngokukhawuli olulodwa lwe mouse. Zonke ezi mphuzu (ngokucacileyo zinyanyisa) zikhokelela ekubeni sinoyika amakhadi eplastiki kwaye ngomhla womvuzo sisusa yonke imali. Ukuphucula ubomi bakho, sebenzisa zonke iinkonzo zebhanki, eyenzelwe ukukhusela iakhawunti ekukhungeni: xhuma inkqubo malunga nokuthengiswa kwe-imeyile okanye i-sms. soloko uphatha ikhadi leshishini kunye nefowuni yokukhawuleka kwekhadi eliphuthumayo, uqinisekise i-akhawunti yakho, fumana ikhadi elilodwa lokuthengiselana nge-intanethi, khumbula ikhowudi yepini kwaye ungalokothi ugcine i-key-signature kunye nekhowudi kwindawo enye. Emva kokumanyathelo okukhusela, awukwazi ukuvuza.
Umbandela wezindlu
Iimiphumo zetyala lezinto ezizisebenzisayo zizahluka. Into yokuqala uya kuhlawulisa iintlawulo ngenxa yokungahlawulwanga. Ukongezelela, lungela iifowuni-izikhumbuzi ezihlala zihleli. Nangona kunjalo, kwimeko yamatyala amakhulu kakhulu, ityala linokufikelela ekukhutshweni okanye ekuqokelelwa kwemali enkundleni. Ngoko ke, ngokukodwa, abaqeshi bezindlu eziphantsi kweenkontileka zokuqeshwa kwezenhlalakahle balinde ukuhlala kabusha kwindawo yokuhlala kunye nommandla omncinci (umzekelo, kwigumbi kwigumbi lomntu okanye kwigumbi lehostele), kunye nabanikazi bepropati basongelwa ukufakwa kwepropati nokuyithengisa amatyala. Ilawulwa ngamanqaku 83, 84, kwaye ibhaliswe kwisahluko VII seKhowudi yeZindlu yeRussia Federation. Kodwa kuyafaneleka ukuba sikhumbule ukuba le nyathelo iqala ukusebenza emva kweenyanga ezintandathu zokunyanzeliswa kwamabango ukuhlawula. Vumelana, iinyanga ezintandathu-ixesha elide lokuxazulula le ngxaki.
Ungahlali ngaphandle kwediploma
Imfundo iya kuba ihlawulwa, ngoko ke ukwesaba ukuhlala ngaphandle kwediploma, ukuba ngokukhawuleza imeko yezemali kwintsapho ayiyi kutshintsha ibe ngcono. Yintoni ebangela ukwesaba? Ingaba ngokwenene ngemali okanye ngaba kukuzilungisa nje kobuvila (uvila kakhulu ukusebenzela ukuhlawula izifundo)? Ngendlela leyo, i-bhanki ikulungele ukukunceda nokubonelela ngemboleko yemfundo. Ubunqwenelekayo kukuba imali idluliselwa ngqo kwiziko okanye iyunivesiti ngumbutho wezezimali, kwaye umfundi uhlawula umboleko emva kokufumana idiploma. Ngoko ithuba lokuhlala lingakwazi ukuhlaziywa liye linciphisa, kwaye isishukumisela ukuba sifunde isiqhamo kwaye emva koko sifumane umsebenzi ophezulu ophezulu ukwanda.