Kukho iindlela ezininzi zokufunda indlela yokugcina uhlahlo lwabiwo-mali. Makhe siqwalasele ezinye zazo.
Okokuqala. Iimvulophu.
Hlukanisa imali kwizinto zeendleko. Fumana iimvulophu ezimbalwa, apho ubhala "ukutya", "iinkonzo zoluntu", "ukuhamba", "abantwana", "iingubo". Kufuneka ukuba imvulophu "idibeneyo" kwiindleko ezingabandakanyiyo ngaphambili. Ukuba uvumelekile ngeniso, ungagcina imali kwi "Inviolable Reserve". Ngaloo ndlela, uthatha imali yokutya kwimvulophu "ukutya", kwiholide zezingane, ukuhlawula izibonda kwi-imvulophu "abantwana" njalo njalo. Ukugqithisa umda onikeziweyo awucebisi. Kwiinyanga ezimbalwa uza kubeka ngokucacileyo uhlahlo lwabiwo lwezentsapho.
Okwesibini. Khuphiswano.
Kwabanye abendlukazi, umoya wokukhuphisana ngokwawo ungabakhuthaza kakhulu ukugcina imali. Imali engaphantsi oyichithayo, uya kumnandi ngakumbi. Ukulondolozwa kugcinwa ukuthenga okukhulu.
Yesithathu. Ukuthengwa kweevenkile
Thenga iimveliso ngeveki. I-hypermarket zanamhlanje zithenga yonke indawo kwindawo enye, ngamaxabiso aphantsi kunesitolo esiseduze nekhaya lakho. Kubalulekile ukwenza uluhlu lweemveliso eziyimfuneko kunye neekhemikhali zekhaya ngaphambi kokuya kwivenkile. Landela uluhlu ngokucophelela.
Musa ukuphazamiseka ngepakethe ekhanyayo kunye nemifanekiso emihle. Ukukhuthaza imfuno yabathengi, izitolo zibeka ngokuthe ngqo imveliso ebiza kakhulu kwizinga lobuso bakho. Iimpawu ezingabizi, njengommiselo, zikwiphesheya elisezantsi.
Yiya kwi-hypermetet kwisisu esingenalutho asiqulunqwa ngokubanzi! Iitishi ezininzi zineebhaki kunye nekhitshi. Ukusuka kumvumba ococekileyo, ukujikeleza kwiholo, unokuthi "unamathele". Ngenxa yoko, "i-goodies" engenakulungiswa "kunye" neyingozi "ibonakala kwibhaksi.
Olunye uhambo lokuthengisa olwenzelwe ukuqinisekisa ukuba umboleki uthenge kangangoko kunokwenzeka ngolu hlobo lulandelayo. IiTrollethi apho abathengi "bahamba" bejikeleza ivenkile, ingakumbi benze ubukhulu obukhulu. Ngengqiqo, silwela ukugcwalisa indawo engenanto ngokuthenga. Musa ukungena ekuthengiseni "amanethiwekhi" ahlelwe yi-hypermarket.
Yesine. Extreme.
Akufanelanga wonke umntu, kodwa le ndlela inelungelo lokuba khona. Ingundoqo yile yile: i-90% yengeniso yentsapho yakho uyayibeka etafileni yokulala. Kuba i-10% eseleyo ihlala ngenyanga, de kube ngumvuzo olandelayo. Kulo lawulo olunzima, siqinisekisa ukuba ukuhamba kwintengiso kuyancitshiswa. Uya kucinga ngaphambi kokuba ubeke umkhiqizo olandelayo kwibhakethi. Ukulondoloza okunjalo kuthintela kakubi isimo sengqondo somntu. Ukwenqatshela kuyo yonke into, ukungabikho kwamathuba okuzikhethela kuya kubangelwa kuphela abo abangabandakanyekanga kwiimveliso "zanamhlanje". Indlela eyingozi yokwenza uhlahlo lwabiwo-mali lufanelekile kuphela kwiimeko ezimbi.
Ngonyaka ozayo, ngaba uphupha ukuba nekhefu elwandle okanye u tyelele amazwe aseYurophu? Qala ukugcina imali namhlanje! I-10% kuphela yomvuzo wakho, faka imvulophu, emva kweenyanga ezili-10 kukuvumela ukuba uchithe iholide lakho lephupha. Kubalulekile ukuba ungayisebenzisi nayiphi na imali echaziweyo phantsi kweemeko.
Yiya kucwangciso lohlahlo lwabiwo-mali. Qala ukusasaza imali kuqala ngeveki, ngoko kubini, ezintathu, kwaye ekugqibeleni, ngenyanga. Unokubala iindleko zakho ngosuku. Umzekelo, imini ndingayichitha i-ruble engama-1 000.
Indlela efanelekileyo yokucwangcisa uhlahlo lwabiwo-mali luquka imigaqo nempawu ezahlukileyo. Ukuthotyelwa rhoqo, okuya kukuvumela ukuba wenze ukuthenga okukhulu kwaye ungabali zonke ii-ruble ezilikhulu.