Sinenhlanhla ukuhlala ngexesha leengxaki zezoqoqosho. Ukongezelela, enye yeyona nto ibaluleke kakhulu kwiminyaka eyikhulu edluleyo. Iingcali ziqikelela ukuba ngonyaka ozayo ujikelezo olutsha lweengxaki, ngakumbi kunzima. Ngoko ke, iingcebiso zokulondoloza ubomi bemihla ngemihla aziyi kuba zizinto ezingenakunqwenela.
Yenza i stash. Ukuba awukwazi ukuba yi-stash, buza nawuphi na umntu otshatileyo malunga nalo. Ukuba akukho mntu ufanelekile, ndiya kukuchazela. I-stash xa ubeka ipesenti ethile ethile yeempatho zakho ngenyanga. I-Optimum - 10 okanye 15%. Ukuba, uThixo akavumelekanga, kuya kuba neengxaki ngomsebenzi, uza kuba nemali kwixesha lokuqala. Ukukhusela ukuqokelelwa kwamanani emveliso, vula idiphozithi kwibhankini ethembekileyo. Kuyinto enqwenelekayo ngokuthatha inxaxheba kwintlawulo yephondo.
Njalo uhlawule imali kwiivenkile. Kuye kwabonakaliswa koqoqosho ukuba ukuhlawula ngekhadi, sichitha ngaphezulu kwe-30% ekuthengeni. Kuthekani ukuba bahlawulela impahla ngemali. Oku kuvela kwintsimi yengqondo.
Yenza uluhlu lokuthenga. Uze ungene kwisitoreli inani elaneleyo lokuthenga izinto eziluhlu. Nangona uhendelwa ukuthenga into eyongezelelweyo, ayiyi kuba nemali yexeshana.
Ukuba kunokwenzeka, thengisa iimveliso kwi-market market. Ukugcinwa kuya kuba kubaluleke kakhulu - 15-30%! Ukuba ininzi yempahla ongeke ukwazi ukuyisebenzisa, unokusebenzisana nabamelwane, abahlobo okanye izalamane.
Thenga izinto kwiiphakheji ezinkulu. Wonke umfazi wendlu uyazi oku. Intengo yokupakisha ithatha isabelo esibalulekileyo kwiindleko zokugqibela zeempahla. Ngamanye amaxesha iindleko zokupakisha ziphezulu kuneendleko zokuqukethwe kwazo.
Musa ukukhangela izicathulo. Ihlolwe ngamava. Izicathulo zekhanda zekhwalithi ziza kugcina ubuncinane iminyaka emibini. Nezihlangu ezincinci zingawela ngaphandle kwenyanga. Okokuqala, kufuneka uthenge izicathulo ezintsha. Okwesibini, intlekele iyakwenzeka ngexesha elibi kakhulu. Okwesithathu, awukwazi ukuba nemali kwiidada eziza kutshatyalaliswa kwi-nanovuyu. Wonke umntu ukhumbula umzekeliso - umntu olahlekileyo uhlawula kabini.
Isitoreji kwiimpahla ezingeniswe kwixesha elizayo. Oku kubangelwa ukutshintshwa kwezinga lokutshintshiselwa, kwaye kungekhona ukulungiselela ikhaya. Kodwa kuthengwa, umzekelo, ukungcola kwezilwanyana, qwalasela umhla wokuphela. Ngaphandle koko, kungase kuvele ukuba izinto ezithengiweyo ziya kuhlahloka phambi kokuba ungayisebenzisa. Ngoko, imali iya kuchitha.
Unganqikazi ukuthenga izinto, isandla sesibini. Ingaba yimpahla yokusebenza, ifowuni ephathekayo, i-laptop, ifenitshala ye-dacha, imoto-nantoni na. Ukulondolozwa kuya kubaluleka kakhulu.
Musa 'ukuthwala' ukuthengisa! Xa kuthengiswa, ungagcina imali eninzi. Kodwa ukuthenga izinto ongenakuzidingayo. Ngenxa yoko, ukugcinwa kuyakuba ngumqondiso osisigxina. Thenga kuthengiso kuphela ezo zinto zicwangciswe kwangaphambili. Xa uthengisa iimveliso kwixabiso elincitshisiwe, qiniseka ukuba ubuka umhla wokuphela. Kwakhona, qiniseka ukuba umphefumlo wesikhephelo awuphazamiseki okanye utywinwe.
Khetha ibhasikidi encinci kwisitoreji. Musa ukuthatha inqwelo enkulu. Iingcali zengqondo zithi singacacanga ukuba sizama ukuyizalisa. Yaye kunye nenqwelo, ininzi imveliso esiya kuyithenga. Nangona abayithandi ngokwenene.
Musa ukulihlawulisa i-brand. Iimpahla zeBrith zibiza kakhulu kunezo oogqirha abadumileyo, ezifanayo kumgangatho kunye nokusebenza. Oku kubangelwa ukuba iindleko ze-brand ziquka iindleko ezininzi zeebhilidi zeentengiso kunye nokukhuthazwa kweempahla. Musa ukulibala ukuba ezininzi iimpahla phantsi kweempawu ezidumiweyo zenziwa eChina. Kwaye akufanelekanga ukuthetha ngodumo kule meko.
Bhatala imali yakho mboleko ngexesha. Ukuhlawulwa kwexesha elidlulileyo, izigwebo zihlawuliswa imihla ngemihla kwaye ihlawulwanga ingahlawuliswa. Zama kwakhona ukuhlawula imali mboleko ngokukhawuleza. Uya kusindisa kwimdla.
Ukuthengwa kwamayeza. Ukuba ugqirha umisela iyeza elibiza kakhulu, qiniseka ukuba ufumanisa ukuba kukho i-analogue yasekhaya engabizi. Okokuqala, ugqirha unokufumana umvuzo we-odokotela oyibhaliweyo. Okwesibini, ezininzi iziyobisi zinezinto ezifanayo ezisebenzayo. Yaye intengo incike kuphela kumenzi. Kwaye ukuba iyeza liziswa kude, iindleko zalo ziya kuba ziphezulu.
Musa ukusebenzisa izilonda ezingapheliyo. Ngo-2009, ezininzi iziyobisi zenyuka ngama-50%. Ngako oko, vumela isifo kwi-bud. Ungalindelanga ukugqithisa.
Ukuqinisa ukhuseleko. Ukugula ngoku kubi. Ngoko ke, unyango olungcono kunqanda. Thatha iivithamini. Yiya kwimidlalo. U lomoya. Sebenzisa ixesha elingakumbi kwi-air fresh. Ngokuqhelekileyo, khokela ubomi obusebenzayo kwaye ugcine isimo esihle.
Musa ukusela utswala ngotywala. Ayinakunceda ekunciphiseni uxinzelelo, kodwa luya kulucima nje imeko. Ukongezelela, ezi ziingxaki ezongezelelweyo kwiziko lakho kunye nempilo yakho.
Gcina isimo sengqondo esihle. Zama ukwenza ukuqeqeshwa ngokuzenzekelayo-ziphinda uzenzele ukuba wenza kakuhle. ukuba uya kuhlangabezana nayo nayiphi na ingxaki. Iingcali zengqondo zithi isimo esifanelekileyo sisisiseko sempumelelo.
Unganikeli ukwesaba ukulahlekelwa ngumsebenzi wakho. Ngaphandle koko, uya kuba nexhala emsebenzini, wenze iimpazamo. Ngokuqhelekileyo ukhumbule amandla akho kwaye ubonise abaphathi bakho.
Gcina iindleko. I-akhawunti iyona nto ibalulekileyo yokulondolozwa kungekuphela kweshishini, kodwa nasekhaya. Qala incwadana ekhethekileyo uze ubhale zonke iindleko kulo. Unokulawula ukuhamba kwemali. Yazi ukuba kusele imali engakanani kunye nokuba ufuna kangakanani ukufikelela kumvuzo wakho.
Qala ukugcina nge-bulb. Yenza i-bulb incandescent yeziqhelo ngokuqhelekileyo. Iindleko zokuqala ziya kuhlawula ngokuphindwe kabini ngexesha.
Geza izinto ngokucokisekileyo. Ukungqubuzana okugqithisileyo kunxiba iimfestile, kwaye baphula ngokukhawuleza. Ewe, kulungele ukuhlamba ngesandla. Kodwa ukuba awuhlose ukushiya inzuzo yempucuko, gqoba umatshini wokuhlamba ulawulo oluhlambulukileyo lokuhlamba.
Musa ukulahla nayiphi na iseleyo. Ukusuka kubo unokupheka isidlo esilula kodwa esihlwaya. Umzekelo, i-hodgepodge, isaladi okanye i-pizza eyenziwe ngamakhaya.
Musa ukuzonwabisa. Ngaphandle kwabo, kuya kuba nzima ukusinda kwiimeko ezixinzelelekileyo. Musa ukulibala malunga nemihlali encinci yobomi. Ukuchitha imali ngokulinganayo. Unokutshintshisana neendawo zokutyela ezibizayo ukuze ube nepikiniki ejabulisayo. Uze uye kwi-cinema ekuseni, xa ithikithi lingabizi.
Khumbula malunga nokuncedisana. Ukuba unethuba lokuncedisa amantombazana okanye izalamane, ungazikhanyeli uncedo. Ixesha liya kuza kwaye baya kukunceda kumzuzu onzima.
Funda amalungelo akho. Ukuba kukho ukuchasana emsebenzini, funda ikhowudi yomsebenzi okanye udibane nommeli. Oku kuya kukusindisa ekuxothweni okungekho mthethweni. Njengokugqibela, uzakufumana zonke iintlawulo ngenxa yakho.
Thatha isidlo sasemini ukusuka emsebenzini ekhaya. Ukupheka kwasekhaya kuya kuhlawula ihafu engaphezulu. Awuyi kuhlawulisa ngokwakho intlawulo ngokutya? Kwaye ukuze ungabhubhisi isisu nge "fat-fat", thatha i-thermos ngesobho eshushu.
Thenga ikhadi lokuhamba. Okokuqala, kulula. Okwesibini, ekuhambeni kwakho uza kusindisa ubuncinane i-10% yeendleko.
Faka ii-counters. Enye yeengcebiso eziphambili zokulondoloza ubomi bemihla ngemihla ifaka iimitha kwizinto ezinokwenzeka. Njengokuba kunjalo kwiibhola zokukhanya, iindleko zokuqala ziya kuhlawula kwiinyanga ezintandathu. Kwakhona, ukugcina amanzi, kungcono ukuba uhlambe endaweni yokuhlamba. Bese uhlambe izitya phambi kwangaphambili kwisitya, uze uhlanjululwe ngamanzi ahlambulukileyo.
Hambisa isiqandisisi kude nompheki kunye nebhethri. Oku kuya kukusindisa ezininzi iindleko zamandla.
Kakade, oku akukho uluhlu olupheleleyo lweengcebiso zokugcina. Kodwa nangona uthabatha ezinye zazo enkonzweni, ungagcina kakhulu kwaye uzalise ibhajethi yakho.