Asazi indlela yokugcina imali. Le nyaniso. Ubomi kwi-ngxowa-mboleko bubonakalisa uhlobo olunokuba lula, nangona kunjalo, iingxaki zemali zenze utshintsho kwiindlela zethu zokuphila. Ngoko, yintoni omele uyenze xa kuphela into okulindeleyo ngumvuzo wakho. Nantsi ingcebiso enokubaluleka kwendlela yokugcina imali iya kuba ngokucacileyo kwinqanaba ...
Ziya phi na imali?
Ukuphendula lo mbuzo, unokuqonda ukuba yintoni eyenza uchithe imali eninzi. Ukuze kube lula, siphula iindleko zethu zibe ngamacandelo kwaye sifumane ezinye iindlela zokukhetha.
ZOKUDLA
✓ Ukuthengwa kweemveliso (kanye ngeveki kwoluhlu / ukuthenga kwimihla ngemihla)
✓ Iidlo kunye nesidlo ngaphandle kwendlu (ivenkile / igumbi lokudlela)
Okunye: ubuncinane ngamanye amaxesha kufuneka sikhumbule isithethe esidala sokukhupha iintsuku. Zibeke umthetho: zihlandlo ezimbini ngeveki ukuba ungahambi nawo wonke umntu kwiindawo zokutyela okanye i-cafe esondeleyo, kodwa, umzekelo, ukuzisa ukutya ukusuka ekhaya okanye uhlale kwi-kefir.
UKUTHUTHUKISWA, UKUXHUMANA NOKUTHUTHA
✓ Iintlawulo zeebhilidi zezindlu kunye nabanye
✓Izithuthi (kwindlu yokuhlala, imoto, njl.)
✓ Uthutho loluntu (ukuthengwa kwamathikithi / ukuthenga ithikithi yenyanga)
✓Ncedisa imoto
✓ Ifowuni yeselula kunye ne-intanethi
Enye indlela: landela iirhafu zokusetyenziswa (khetha i-economics), kwakunye neenkonzo ze-intanethi kunye neenkampani ezihamba phambili. Abanye bethu, ngenxa yobuvila nokungazi, baye bahlala kwiirhafu zeminyaka, esele ikhona ngokusemthethweni, kwaye abasebenzisi babo bahlala ngokuthula, kungekho ngxolo, iguqulelwe kwizinto zanamhlanje, kwaye ayinayo inzuzo kakhulu. Ungasebenzisi izitishi zegesi zengozi: fumana enye kunye nepetrol yayilungileyo, kwaye ixabiso liyamkeleka. Ukongeza, uhamba rhoqo.
NEMPILO NOKUFUMANA
✓ Amachiza kunye neyeza zokuhlawula
✓ Ukuthenga isethi esisiseko seengubo kunye nezixhobo
✓Hlawulela ikhabethe lakho
✓Cosmetologist
✓Fitness Centre
✓ Iiklasi zezemidlalo (umdaniso, yoga, njl.)
✓Salons of beauty
Eyona ndlela: ezininzi iinkqubo ze-salon zinokuthi zitshintshwe ngokufanelekileyo ngolu hlobo lwezindlu. Ukuba ukwesaba ukwenza i-peeling okanye ukuziqhenqa, ubuncinane utshintshe i-salon yakho yobuhle kwisinye sebhajethi. Ukongezelela, kwii-salon ezininzi, kukho iintsuku xa kunenkululeko yokusika iinwele zakho okanye ukwenza umzobo (nangona kunjalo, umfundi wenkosi). Okufanayo kuya kumaziko ezemidlalo. Ukuba awulungele ukuya kwimodi yokuqeqeshwa kwindlu yee-tapi zevidiyo, zama ukufumana iqela elincinci.
UKUQINISWA
✓Iilabhu kunye neevenkile
✓Theatre kunye ne-cinema
✓IiConcerts kunye nemibukiso
✓Impawu
Eminye indawo: indawo yokunyuka kwiindawo zokudlela kunye neeklabhu ezineemibutho yasekhaya. Ngendlela, oku ngoku kuhamba kwefashoni kwihlabathi lonke. Kwaye, ke, asifanele sikhohlwe ngeeseshoni zokusasa ezithengayo kwi-cinema, imibukiso yamahhala kunye nohlahlo lwabiwo lweenkwenkwezi ezintathu zeenkwenkwezi, iihotele zeebhasi kunye nohambo oluvuthayo.
IMFUNDO
✓ Amaziko okuhlawula kunye nezifundo
✓Imfundo yabantwana
✓Izifundo kunye nabaqeqeshi
✓ Iincwadi (iifayili / iincwadi / iimagazini)
Okunye: ukuba ufumana imfundo ukwenzela ukwandisa ulwazi lwakho, kwaye ungafaki enye "inqwelo" kwiselefini, unokufunda lula ngokwakho. Namhlanje, kwi-Intanethi, unokufumana izixhobo kuyo nayiphi na isihloko kunye nokusebenza ngaphandle kootitshala. Ngokuphathelele iincwadi, amaphephancwadi kunye namaphephandaba, kunye namafilimu nomculo, unokukhutshwa kwi-intanethi okanye kuqeshwe kwiilayibrari, iilayibrari zevidiyo kunye nabahlobo. Ukudumeka ngexesha leengxaki kufuneka kube yintlangano ethi "i-bookcrossing" (iincwadi zokuhambisa): abathathi-nxaxheba, emva kokufunda le ncwadi, bayishiye kwindawo ebonakalayo, kwaye nabani na onokuyithatha.
Sifuna imali "yamahhala"
Abanye bethu abafuni ukulandela la macebiso anceda njani ukugcina imali. Ewe, akukho mntu ufuna ukuyeka "ubomi obuhle". Ngoko ke, kungcono ukuhlaziya loo mbono. Ngoku kuya kufuneka senze imizamo yokuqinisekisa ukuba umgangatho wobomi bethu awutshintshi kakhulu.
IINKCUKACHA: OKUYISEBENZI ESIFUNDILEYO, NGAKHULU
Yintoni eya kuba yinto embi xa i-tsokolate, i-candy, ikhekhe, i-cookies, i-chips, i-crackers, ukutya okusemgangathweni, i-salads ekuphekeni iyanyamalala kwiluhlu oluqhelekileyo lwemveliso? Ukongeza, unokunciphisa inani lemveliso ethengiweyo. Uninzi lwethu ludla okungaphezulu kunokuba umzimba ufuna, ukuba sithelekisa inani lokutya kunye nemali yeekhalori ezidliwe.
KUFUNDA
Mhlawumbi ukuthenga iimveliso ezigqityiweyo kungakusindisa ixesha, kodwa kuzo zonke iiblue "zokuhlambela" zeplastiki zinezinto ezininzi zokulondolozwa ezingaqinisekanga ukuba oku kuya kuthintela njani impilo yentsapho yakho. Thengisa iimveliso ezincinci (amazambane, iklabishi, i-karoti, njl.) Kwaye upheke ukutya. Kwaye i-dessert ungabhaka ii-pie-charlottes ezinqabileyo eziqingqiweyo kunye neziqhamo ezincinci zonyaka.
IMITHETHO YEBHAYER
Ukuze ungathengi izinto ezininzi ezingenasidinzi esitolo, ngokwaneleyo ukukhumbula imiyalelo emininzi.
• Musa ukuya ezitolo ngenxa yokufuna ukwazi.
• Khetha ivenkile yesebe yezoqoqosho (hypermarket), apho phantse yonke into ithengiswayo.
• Ukuthenga iimveliso ezinokugcinwa kwexesha elide.
• Iipatata, iinqotyi, iibhontshisi, i-pickles kunye ne-jams kufuneka zithengwe ngobuninzi kwixabiso elithengileyo (ungagcina imifuno esingaphantsi kwendlu okanye kwindawo ehlelwe ngokufanelekileyo kwi-balcony, njl.).
• Ukutyelela ivenkile, ukuba wenze kuqala uludwe lwento oya kuthenga ngayo; kuba, ngeveki, bhala yonke into kwiphepha elikhethekileyo.
• Musa ukwenza izinto ezinkulu ngaphandle kokulungiselela - ngesiseko sentengiso okanye ngomgaqo "uphendukele ingalo". Ngaphambi kokuba uthenge into ebiza (i-vacuum cleaner, ikhamera, i-sofa, njl njl.), Yenza uphando kwi-intanethi - fumana kwaye uqhathanise amanani, khangela iifom ephathelele umgangatho weemodeli ezahlukeneyo, uye kwi-market.
Ulawulo olupheleleyo
Njengoko uyazi, imali, ukuba ukuchitha imali ayinakulawulwa, inayo indawo "yokuhamba ngezinyoni." Ngokuqhelekileyo oku kwenzeka kuphela ngenxa yokuzimela kwethu nokungafaneleki.
YENZA UMUNTU "INKCUBEKO"
Ngaba uhlale uhleka oogogo abafaka imali "kwibhokisi"? Ngoku kukho ithuba lokuba baya kukuhleka! Ngaphandle koko, ufumana umkhwa obalulekileyo wokulondoloza i-10% yomvuzo wakho.
NGAMANYE I-ACCOUNTANT
Ukuze ube ngumntu onemali entle kwintsapho yakho, kufuneka uhlaziye ingeniso kunye neendleko, kunye nokucwangciswa kwabo (nje ngeendlela zokusebenza kwiakhawunti). Unokwenza, uthabathe iqela lephepha (okanye i-granary book) ngendlela endala kwaye uqale ukubhala phantsi iikholomu zamanani kuwo, kodwa namhlanje kukho ukhetho olungcono: iinkqubo zeekhompyutheni eziye zaphuhliswa kwaye zivavanywe kwi-"Home Accounting". Ngokuqhelekileyo zenzelwe umsebenzisi oqhelekileyo: faka yonke idatha efunekayo, kunye nenkqubo ikunika lonke ulwazi ngokwalo. Ukuzonwabisa kukuba zonke iimpahla kunye namaxabiso angeniswa kwisiseko sedatha (ngemali oyifunayo): kwikamva, ukuba ulwala kwindawo enye, uya kufuneka kuphela ukungenisa ubungakanani bempahla. Kukho ukulungelelanisa ukubhala nokushicilela uluhlu lwemveliso kunye neentengiso zekhaya. Musa ukulibala: imali kufuneka iphathwe ngokucophelela!
Iimpawu ezincinci ezinceda ukugcina imali
✓Qala ibhanki yamaphupha okuphuhlisa kunye noogxa kunye nabahlobo-ngoko uya kwandisa kakhulu indawo apho ungayifumana izaphulelo kunye nezibonelelo.
✓Sebenzisa isofthiwe yehhala. Linux esikhundleni seWindows, Vula iofisi esikhundleni se-Microsoft ofisi, njl. Phantse zonke iiprogram zinezifaniso zamahhala, ngokuqhelekileyo zingekho phantsi kwezinto zokusebenza.
✓ Hlalani nigcina amasheke kunye namakhadi ewaranti - anokukukhonza kakuhle.
✓Kubeka iibalo kumanzi, sebenzisa izibane zokugcina amandla kwaye rhoqo wenze
Ukulungiswa okuncinane kwindlu (mhlawumbi kufuneka uchithe imali enkulu).
✓Setyelela i-free Skipe program kwikhompyutheni yakho kwaye ulondoloze kumgama omde kunye neefowuni zamazwe ngamazwe.