Ukuze ugcine imali kubhajethi yentsapho kufuneka ikhokelwe zizikhombisi ezihluke ngokupheleleyo. Okokuqala, kubalulekile ukuqonda ukuba uhlahlo lwabiwo-mali lwenu lucwangciswe ngokucokisekileyo ekuthengeni ezinkulu kunye neendleko ezizayo, ngoko ukuthenga into esitolo "esinokuyifumana ngokufanelekileyo" yinkcitho engacwangciswanga kwaye engadingekile okufuneka uyiphephe. Nangona iimpahla zathengwa kwisaphulelo, ngezabelo nakwezinye iindleko zokuthengisa, oku kubonwa njengento engcolileyo. Ukongeza, ukuba uchithe imali enokuba luncedo kuwe ngomnye umthombo onobuncedo, ulahla indlu yakho ngezinto ezingadingekile. Ngaba ucinga ukuba oku kwenzeki kuwe? Kwaye uNuka wavula nayiphi na ikhabhinethi endlwini yakho. Yintoni into yokuqala ebamba isohlo lakho? Eqinisile, inyama ye-mincer oyithengile kunyaka odlulileyo, ongeke uyisebenzise, kuba, uthenge inyama enqabileyo. Kodwa, ngexesha lokuthenga, wawuqiniseke ukuba uya kuyisebenzisa. Ngoko kuvela ukuba phantse i-40% yento oyithengayo ayinangqiqo, xa isetyenziswe ngokukhawuleza, kunye nakwezinye iindawo-zikhonza njengotshani kwiikhabhinethi.
Ngoko, ungayigcina njani imali kubhajethi yentsapho? Kubalulekile ukuthenga kuphela into efunekayo. Ukuba uya kuthenga iimpahla, qiniseka ukujonga ukubunjwa kwayo. Ukuba ubona ukuba imveliso yomeleleyo, ngoko, kukufanelekile ukuyeka ukuthenga, kuba le nto iya kuphelelwa kamsinya ukubonakala kwayo, kwaye iya kutshabalaliswa. Khetha izinto zokwenyama kuphela, zikhonza ixesha elide, zikhusele umzimba wethu. Izinto ezincinci azinakwenziwa kwizinto ezisemgangathweni kunye neendawo zokunxulumana nokusingqongileyo, ekubunjweni kwazo, kunokwenzeka ukuba, endaweni engafanelekanga, eyingozi kwaye ngokukhawuleza ilahlekelwe yimbonakalo yayo yangaphambili. Ngenxa yoko, umane uphonsa imali emoyeni. Ukongezelela, ukuze ugcine imali kubhajethi yentsapho, kukufanele uxoxe ngokukhawuleza ukuthenga okukhulu kunye nomnqweno wamalungu entsapho ukuba abe nento. Ngoko ke, ukuba uthengela ibhayisekile kumntwana okhulile, omncinane kufuneka azi ukuba inyanga ezayo, uya kumthengela ithoyilo ethembisiwe. Ngoko, akuyi kuba neengxabano, ukuthukuthela, ukungaqondani kunye nezinye iimeko ezingathandekiyo ezinxulumene nokulondoloza uhlahlo lwabiwo-mali.
Ngaphambi kokuba wenze ukuthenga, kufuneka uqikelele ngengqondo inani le nto ngokuhambelana nomvuzo wakho. Ukuthengwa akufanele kube ngaphezu kwe-50% yesamba semali yengeniso yakho yenyanga. Ngoko, umzekelo, ukugqoka nge-couture kwisaphulelo esikhulu akusayi kusindisa ukuba ingeniso yakho yenyanga ayidluli imali eyi-ruble eyi-15,000. ukuthenga okunjalo kunokubhekwa njengendleko enkulu. Ukongeza, awudingi into. Awuyi kusebenza kwisambatho sakusihlwa, uphume okanye uthathe umntwana esikolweni. Kufanelekile ukuba sicinge ngenjongo yokusebenza yento oya kuthenga.
Kuyafana neenkonzo zeseli. Ukuthengiswa kuyahamba kunye nesithembiso sento oyigcinayo yinto elula. Akufanele uxoxe nomyeni wakho imizuzu engama-3, endaweni yeqhelekileyo, ngenxa yokuba "ishibhile". Ukuba uhleli phantsi kwaye ubale, uya kubona ukuba akukho nto yokugcina, kodwa, ngokuqinisekileyo, ekupheleni kwenyanga uza kufuneka uhlawule ngaphezu kwexabiso eliqhelekileyo. Kwaye kuphela ngenxa yokuba uthobele iintengiso kwaye ugcine ngale ndlela.
Kukho ilizwi: andinalo kakhulu ukuthenga izinto ezincinci. Into ephawuleka kakhulu. Xa sibona uphawu kwisitoreli "zonke i-10 .. 50 ... 100", siya kukhwela kwibhaksi. Kodwa, kubalulekile ukujonga ngokuthe ngqo, njengoko kucacile ukuba izinto ezinikezelwe ngengoxabiso enjalo ayinalo mgangatho ophezulu, kwaye zinokwenzeka ukuba zingaphantsi ngokupheleleyo. Ngoko ke, ukuthenga into encinci i-ruble engama-50. kuthathwa njengenkunkuma engafanelekanga, kuba, le nto iya kulahla ngeveki. Kodwa, ngenxa yeendleko ezinjalo, unokuthenga enye enye? Ewe, kodwa kuthekani ngomzekeliso ekuqaleni komhlathi? Kucacile ukuba xa sithenga, sizama ukulondoloza imali, kodwa ngokuthenga izinto ezincinci, asiyigcina imali, kodwa siyichitha imali ngaphandle. Ngoko ke, iindleko ezincinci akufuneki kube yinto yokumisela ukuthenga.
Kuthiwani ngeempahla ezithengiswa kwisaphulelo? Indlela yokulondoloza imali kwi-budget budget kule meko? Okokuqala, kuyafaneleka ukuqonda ukuba kule meko, ivenkile ifumana emva. Okokuthi, okwandayo ngenxa yezenzo zokuthengiswa kwabathengi, ukwandisa iimvakalelo kunye nomnqweno wokuthenga. Umntu ngamnye unikwe intloko kungekuphela nje ukugqoka i-hairstyle enhle, kwaye kukho, kodwa kwakhona ukucinga. Kungoko, lixesha eliphakamileyo, xa kuthengwa, ukukhokelwa yintloko, kunokubhengeza ii-posters, i-slogans ezikhuselekileyo kunye neendleko ezincinci. Abantu abaninzi abafuni ukubala imali yabo. Basebenzisa ngaphandle, bengabali imali yabo neendleko zabo. Ngelo xesha, bahlala bekulungele ukuxoxa ngokuchuma kommelwane, ukubonisa iinkwenkwezi zoshishino kunye nezopolitiko. Abaninzi bala bantu baqiniseke ukuba imali yabadlali bezemidlalo kunye nezopolitiko ziyaneliseka, zinekhwele entliziyweni kwaye zicinga ukuba zinenhlanhla.
Ukuthengiswa kweentengiso zemali, amanqaku ahlalutyo kunye namaphephancwadi, apho kudatshulwa idatha malunga nabani na baninzi ababutyebi bethu basekhaya abachithe kunyaka odlulileyo, kubangela ingqiqo eqinileyo phakathi kwabemi abaqhelekileyo bokungabikho kwabo. Ngubo abafumana imali encinci, abanomdla wokubala imali yabanye abantu. Emva kwakho konke, ufika njani ufumane ipittance yokusebenza yonke imihla njengomdaka, kwaye umntu uhlamba kwezigidi. Kwaye akwanele, ngubani na kulaba bantu abafikela kwingcamango yokuba, ukufezekisa izinto ezibonakalayo, umntu wazama, wasebenza, wafuna, mhlawumbi ngaphezu kwakho. Ngeke kubekho uvuyo kwimpumelelo yabanye abantu, ubutyebi babo. Kodwa, hayi, loo mntu ulungelelanise kangangokuthi ngokukhawuleza uza kuqala ukuba nomona nokucaphukisa, kunokuba abe nolonwabo ngomntu. Ndimele ndithi akukho nxaxheba encinci ekubanjweni kwezigidi zakhe zokuqala kubantu abaninzi abadumileyo beyidlala ngokugcina imali kwibhajethi yentsapho. Kwaye, nangona imeko yezemali kwintsapho ilungisiwe, abantu baqhubeka begcina.
Ukubuyela kwinto yokuba abaninzi bethu abazi indlela yokubala imali yabo, ndifuna ukutsho ukuba kunjalo, kukhetho lomntu wonke: ukubala okanye kungabi. Kodwa, kukho inqaku elithile apho le akhawunti ichaphazelekayo. Ngaba wayesazi ukuba igama elithi "intlupheko" livela kwisenzi esithi "ungayithathi"? Kuba xa umntu engakwazi ukubala imali namhlanje, ngengomso akayi kuba nabo, kuba abayidingi, kuba akayiboni! Umntu akayithandi inkqubo yokubala imali, evela kwimali ngokwayo, kunye nento abangayinika ngayo. Inkqubo yokubala imali engazi kakuhle idala into yokuba kukho imali kwaye kukho ezininzi zazo. Kwaye ukufumaneka kwemali kubangele ukuba baninzi ngakumbi. Uyazi igama elidumile: imali kwimali? Kufuneka uqale ukukholelwa ukuba indleko yemali ibalulekile kuwe, iyonwabile kwaye iluncedo. Emva koko, uya kuqala ukuvela imali. Xa ucinga ngemali, kuthetha ukuba uyazilawula, zilawule. Oko kukuthi, uyisebenzisa ngokugqithiseleyo inkunzi yakho ukuze ukwandise. Xa ebuzwa ukuba kutheni abantu bengathandi imali, abaninzi bethu bathanda ukushiya impendulo. "Yaye bathanda, ukuba bambalwa. Kutheni ubala? Ukucaphuka? "Ingcambu yeendlela ezingalunganga! Kucacile ukuba kwinto yokuba unayo okanye unayo imali encinane, kufuneka uzigwebe nje. Akukho mntu ubeka ityala ngale nto. Kodwa, abaninzi bethu basekhaya, bakwazi ukubeka ityala lethu kwilizwe. Bahlobo abathandekayo, ngokungabikho kwemali yenu, akukho mntu ubeka ityala, kubandakanywa nombuso. Ukuba uchitha imali, uthenge zonke izinto ezingenalusizo kwiimarike kunye nokuthengiswa, ngoko awukwazi ukufumana imali eyaneleyo yesivakalelo esivamile kwili hlabathi. Yingakho kubalulekile ukwazi indlela yokugcina imali kubhajethi yentsapho.
Ngoko ke, ukuba ungenayo imali, kufuneka uvume ukuba nguwe kuphela kwaye akukho mntu omele uxanduva. Kubalulekile ukuhlala phantsi kwaye ucinge malunga nento oyenzayo. Ukuphuhlisa isicwangciso kwaye uyisebenzise ngokucacileyo. Kodwa, njengesiqhelo, kungekhona ngaphambi koku. Loo mpompo ekhitshini yahamba, ke umntwana waletha isantya esikolweni, ngoko kwi-TV ibonisa ukutshintshisiswa kokuthakazelisa. Ungakhetha njani ixesha lokuphuhlisa isicwangciso soshishino? Andikwazi ukucinga. Kwabaninzi, isizathu esihle sisivila, ithemba kubazali, indoda, "mhlawumbi" njalo njalo. Kwaye ngokukhawuleza, uhlahlo lwabiwo-mali lwakho luya kuba yi-ruble 10 000. Emva koko, akuyi kuba neengxaki. Bavela phi na? Nantsi into, njalo ngoku, ukuba xa umntu engayiboni imali yakhe, yilokho afumana imeko enjalo ayenzi nje. Xa sicinga ngemali yethu, kuthetha ukuba siyazilawula. Kodwa, kwakhona, kunzima ukulawula. Kulula kakhulu ukuphumla, ubomi ngokwabo kuya kwenza konke. Njengoko uphando olwenziwa ngama-psychologist yaseMerika lubonisa, abantu abangacingi imali yabo nabo bahlelwa ngamanye amahlelo obomi babo. Ukulawula iimali zakho, kubalulekile ukuba ngumntu omdala, onoxanduva kwaye onengqiqo.
Abantu abangakwaziyo ukubala imali yabo abayiqondi kakuhle ukuba le nxaxheba elula iya kubazuzisa njani kunye nemeko yabo yezemali. Inguqu ezinokuthi zenzeke kuwe, ukuba uqala ukubala imali yakho, ngokuqinisekileyo ziya kutshintsha ubomi bakho zibe ngcono. Inyani kukuba nabantwana abancinci banqwenela ukubala imali. Ngokomzekelo, ukuba, kwiiklasi zokuqala, abantwana endaweni yokubala naziphi na izithiya apho, ziya kunikwa ukuba zibale imali, ngoko ekupheleni kweklasi yokuqala, phantse wonke umntu wayecinga ukuba indlela abahluleli bebini abayicinga ngayo. Ukongezelela, bekuza kuba nophuhliso kubantwana umnqweno kunye nokukwazi ukulawula imali yabo. Abantwana bathanda ukubala imali kuba, bayazi ukuba yiphi amandla efihliweyo kule maphepha, nokuba yintoni abangayenza ngayo le mali. Xa umntwana efumana imali unengcamango yokuyifumana, ukufumana imali okwamanje. Ngoko umnqweno oqhelekileyo womntu owufumanayo uyakha. Kuyadabukisa ukuba abaninzi abantu abadala banqatshelwe into enjalo kunye nesifiso. Kwaye konke ngenxa yokuba abayicingi imali yabo. Indlela yokujongana nendoda ephantse ubomi bonke emva kwamagxa akhe, isikhungo, umtshato, abantwana bakhe, kwaye akazange afunde ukubala imali yakhe, uzama ukufumana imali?
Okokuqala, kuyafaneleka ukuba ufunde indlela yokuthatha imali yakho, ukuyilawula, ukugcina imali kubhajethi yakho yentsapho, kwaye ukhethe indlela enokukhetha ngayo yokufumana imali. Yona ndlela yokubala imali enayo inefuthe elihle ekucingeni kwakho, ukunyusa inkqubo yokufumana imali nayiphi na indlela. Ngenxa yokuba ibhizinisi lakho, imali yakho, ubuncwane bakho kunye nokuphila kwakho kwezinto eziphathekayo. Kukho umzuzu owodwa onobungozi xa umntu enemali eninzi. Uyeka ukubala kwaye ubeka ingozi yokulahlekelwa yimali yonke eyamkelayo. Xa, unemali engekho ngaphambili, uqobo "uphula uphahla" lwempumelelo, kwaye uqala ukuchitha imali engaphezulu kunokuba ufumane imali. Kubaluleke kakhulu ukuba uzame ukugcina intloko enzulu, ukuba impumelelo iphendulele kuwe, kwaye uqale ukubonakala imali.
Ukuze ulahlekelwe yimali yakho, gcina kwi-budget yekhaya, kufuneka ufunde indlela yokubala imali, indlela yokuyilawula. Qeqesha imihla ngemihla, ungayikhohlwa malunga neengcingi ezibekwa ngabadayisi kunye nesebe lokuthengisa, kwaye uzame ukufumana okungangoko.