Ungakusindisa njani kubhajethi yentsapho. Ingxaki yehlabathi yeentsapho ezininzi ayinikeli ukuphumla kunye nobomi obuqhelekileyo. Uthando luqala ukuphulaphula ubomi kunye nokuntuleka kwemali. Makhe sijonge kule ngxaki edibeneyo kunye. Ukuqala ngoku siza kuqonda: ukususela kuluphi uhlahlo lwabiwo-mali lwabahlali?
Ngokuqhelekileyo, iinqununu eziphambili zebhajethi ziyimali kunye neendleko zentsapho. Kwimivuzo eyenziwe ngayo, kuyacaca ukususela ekuqaleni ukuba le mivuzo, kunye nemali engenayo eyongezelelweyo. Ziziphi iindleko? Unokuba nencwadana apho uza kubhala phantsi iindleko zentsapho yakho ngenyanga, emva kwenyanga, ubuyekeze zonke iindleko zakho kwaye uhlalutye. Kunokwenzeka ukuba ufumane iindleko ezingadingekile kuloluhlu. Ngokuqhelekileyo, izibini ezitshatileyo ezingazange zifunde ukuhlala zodwa zichitha imali eninzi kwizinto ezingabalulekanga kunye nokuzonwabisa. Ngoko ke, imali yabo ihlala iphela kwijubane lokukhanya.
Ukugcina uhlahlo lwabiwo-mali, unokufunda ukufunda yonke into. Kumyeni wam - ukulungisa izixhobo zendlu, ukuqondisa i-plumbing, ukwenza ukulungiswa kwindlu, njl. Ukuthunga, ukudibanisa, ukulungiselela ukutya kokutya okuqhelekileyo, njl. Oku kuya kunciphisa kakhulu iindleko ezingenasidingo, kwaye kusekho kumvuzo ukuzonwabisa. Ukugcina kwizinto ezisetyenziswayo. Jonga indlela osebenzisa ngayo umbane. Njengoko kungadingekile, musa ukuguqula i-microwave, i-kettle kagesi, umatshini wokuhlamba, kwaye ungashiyi ikhompyutha kwimodi yokulinda. Ngamanzi kuyinqweneleka ukubeka izinto zokubala, ukuze ususwe kuphela kwiibalo zokubala.
Xa uhlalutya iindleko zakho zangempela phakathi kwenyanga, cwangcisa iindleko kwenyanga ezayo, ngokungahlawulisi iindleko ezingadingekile kwiindleko zakho. Ukutya okusemgangathweni kungcono ukuthenga kanye ngenyanga kwaye kuluhlu olulungiselelwe ukuba ungenalo umnqweno wokuthenga into engeyomfuneko kwisitoreji. Eminye imveliso yokutya ingathengwa ngaphakathi kwenyanga, kodwa ngaphambi kokuya esitolo musa ukuthatha yonke imali yakho eseleyo, kodwa kuphela inxalenye oyifunayo ukuyithenga le mveliso.
Ngokuqhelekileyo iintsapho ezincinci zenza "ingxowa" engenakulinganiswa kwintlupheko yohlahlo lwabiwo lweentsapho ngokuboleka imali. Baye baxhamla ngokupheleleyo kulo mshini ongezantsi obizwa ngekhredithi. Ngaphambi kokuba uthathe isinyathelo esibalulekileyo, ukuthenga okufunekayo kuwe ukuthengwa okukhulu. Cinga kwakhona, nokuba ibaluleke kakhulu kuwe kule nqanaba yobomi, kwaye uza kuhlawula njani, nokuba unayo imali eyaneleyo. Kutheni ufuna iziko lomculo ukuba unakho ikhompyutha entsha? Kutheni uthenge i-TV enama-intshi ye-plasma ye-TV, xa unikwe iTV efanelekileyo kwimicimbi yomtshato? Zonke ezi zigqithisi zilungile xa unako ukuzifumana kwaye uhlahlo lwabiwo-mali aluqhubekiyo kwiindawo zokuboleka imali.
Abachumi baye baqala ukubala ibhajethi yabo yentsapho. Khawucinge ukuba uya kuhlaziya i-ruble ezili-10 ngosuku, ochithayo ngaphandle. Unayo kunyaka uza kuqokelela i-ruble 3650, le mali ungathenga into yentsapho. Yaye ukuba ushiya ngaphezulu, ungayichitheli, oku kuya kwenza uhlahlo lwabiwo-mali.
Ukusasaza imali kwiimvulophu. 1 imvulophu - iinkonzo; 2 imvulophu - isifundo; 3 imvulophu - itikiti; 4 imvulophu - iimveliso zokutya (ngenyanga yokuqala unokuthelekisa iindleko zemveliso); 5 imvulophu - intlawulo mboleko; 6 imvulophu - izinto zekhaya; 7 imvulophu - ngokuzonwabisa; 8 imvulophu - ngemini yemvula (nokuba, uhlala phantsi ne-ruble ezili-10 kuphela). Ukuba nolawulo oluqinileyo kwiholo kunye neendleko zakho. Uya kufunda ukulawula uhlahlo lwabiwo lwenu. Kwaye ehlotyeni ungaya eholide ngaphandle kokunciphisa.