Indlela yokugcina imali kwimpilo yemihla ngemihla

Kukho inqaku: "Imali oyigcinile, uyenayo", kwaye oku kunjalo kunjalo, kuba abantu bachitha imali eninzi yemali eyongezelelweyo eya kuhlahlo lwabiwo-mali. Ngamanye amaxesha ulondolozo luyimfuneko ngokwenene ukukhubazeka kwesikhashana komnye wamalungu entsapho, imfuno yokuhlawula imali mboleko okanye ukuthengwa kwexesha eliphambili. Kwiimeko ezinjalo, unokubangela ubomi bakho kwimithetho embalwa elula.


Into yokuqala omele uyenze ukuyila uhlahlo lwabiwo-mali. Kukho iintlobo ezimbini zebhajethi - ithemba kunye nokunyaniseka. Umgaqo woluhlahlo lwabiwo-mali oluthembekileyo lubonakalisa utshintsho olulungileyo kwimicimbi yezemali. Ngokomzekelo, kule nyanga ubala kwi-premium, oku kuthetha ukuba uhlahlo lwabiwo-mali oluthembekileyo luya kuba ngumvuzo kunye nebhonasi. Oku kuthetha ukuba kwiindleko zakho uza kuxhomekeka kule mali.

Uhlahlo-lwabiwo-mali luyicinga ngokuchasene noko, lucacisa i-premium kwingcambu. Uhlahlo lwabiwo-mali lwenu lube ngumvuzo wakho kuphela. Kodwa ukuba ucinga ngako, into ebalulekileyo yoluhlahlo lwabiwo-mali, nguwe ngokwenene awufumani ibhonasi kwiimeko ezingaphaya kolawulo lwakho. Isabelo-mali salolu hlobo siya kukuvumela ukuba ulondoloze ingeniso yakho eyongezelelekileyo yongezelelwe, kuba ngokusebenzisa yakho imali uya kuxhomekeka kwisixa esincinci.

Umgaqo wesibini, ofanelekile ukungena ebomini bakho, uhambo oluya esitolo kunye nohlu. Yenza uluhlu ngaphambi kokutyelela ivenkile yokuthenga uze uthenge yonke into ephuma kwiluhlu. Ukuba akukho ma-mushroom eluhlu lwakho, ngoko akufanele abe sebhaskiti.

Kukho, kunjalo, iziganeko. Umzekelo, ubuya kwintlanzi yefry, uyibeke eluhlu uze uyithenge, kodwa ngokukhawuleza uyaqaphela ukuba kwakungekho ioli yelanga ekuphumeni ekhaya, kwaye ngaphandle kwayo awukwazi ukuloba intlanzi. Kule meko, sisebenza ngolu hlobo "lwezinto eziyimfuneko". Kuyimfuneko, i-soda kunye neesekese kufuneka zibe kwibhaksi yakho, kuphela ukuba ziluhlu.

Ukwenza uluhlu kunceda ukuba uthenge imveliso efanelekileyo, kuba ubona oko kushiywe kwifriji yakho. Emva kwakho konke, ukuba ubona iiphakheji eziqhakazile kwiithalafu zentengiso kunye nokuvumba okukhethiweyo kwempahla, uya kuba ulungele ukugcwalisa ibhasikidi yakho kwiimpahla ezingenasidingo.

Iphuzu lesithathu lisebenza kuwe. Abanye abantu bafanele baphule ubuvila. Unceda njani ukugcina imali, ubuza? Yonke into ilula kakhulu.

Abantu baya ekuthengeni kwisitopu esiseduze, kukhawuleza kwaye kulula. Nangona abaninzi bayazi ukuba emibini ehambayo (kwisitalato esilandelayo, kufuphi nomsebenzi okanye endleleni eya ekhaya) kukho ivenkile apho ixabiso lithengwa okanye kukho ivenkile eqinileyo yefowuni ye-sausage apho ezi zinto zizithandayo ezigqityiweyo zithengwa ngamaxesha amancinci. Ewe, kukude kunesitishi esiseduze, kwaye kuya kufuneka sibuyele kunye neengxowa ezipheleleyo, kodwa sifunda ukugcina, kwaye ngaphezu koko sifumana imfundo ebaluleke kakhulu emoyeni omtsha.

Omnye umgaqo wokusebenzelana nobuvila ukupheka ekhaya. Ukususela kulolu suku awuthengi ukutya okulungele ukulungiswa! Ulibale malunga ne-cutlets kwi-cookery e kufuphi! Yenza i-handlee yakho, yithenge inyama enqabileyo kwaye uzothuka wena kunye nekhaya lakho ngokutya okwenziwa ekhaya. Oku kuya kukuvumela ukuba ungagcini kuphela, kodwa kwakhona ukuphucula ikhono lakho lokuphucula, kunye nokwandisa ukuzithemba.

Ukungabi nesikhathi sizathu. Ukuba unakekela umntwana - vula inkqubo yokupheka ibe ngumdlalo, kunye nomntwana - kumncedisi omkhulu. Ukuba usebenza kakhulu kwaye unqamle zakho iinyawo ukusuka ekukhathaleni xa ufika ekhaya, yenze amalungiselelo okutya sakusasa.

Abasebenzi abathandekayo beeofisi, ngoku ningadli kwi-cafe esondeleyo kwaye ningabikho kunye noogxa bakho be-pizza, kuba upheka ekhaya kwaye uphethe isitya sokutya. Ewe, ewe! Upheke ekhaya i-pizza ecocekileyo kunye nezinto ozithandayo. Vumela oogxa bakho banelisekile nge-assortment ekhoyo kwimenyu kwaye ubambe umona.

Ngoku umbuzo uvela malunga nokukhushulwa kunye nezaphulelo. Ngokomzekelo, wangena kwivenkile kunye nohlu apho kukho isithombe. Kwaye nanguye, kwaye nakwiyaphulelo. Kuphela inkampani ongaziyo, kwaye irayisi ayibukeli njengowokuqhelekileyo uthatha. Yintoni endiyenzayo? Yiyeke kwi-shelf, apho yema khona! Ngenxa yokuba kuya kuhlambalaza ukugcina iiruble ezili-10, ufumana ilayisi, ephikiweyo okanye engakuthandi kwintle. Ukongeza, kunokwenzeka ukuba uyayiphonsa ilayisi kuze kube ngamaxesha angcono kwaye usathenga oqhelekileyo. Ukuba isaphulelo siya kwiimpahla oye wazama ngazo, ngoko ukhangele umhla wokuphelelwa yisikhathi kunye nentembeko yepakethe, ungayifumana ngesibindi.

Izabelo nazo ziyinto ekhohlakeleyo. Umzekelo, ufuna i-shampoo, kodwa ukuba uthatha i-balsam ngaphezulu, uya kunikwa ioli ngeenwele njengesipho. Okwangoku - kulungile, yiyo kuphela i-balm enayo ekhaya ityhubhu yonke. Musa ukuthenga impahla kwi-stock, ukuba uyayigcina. Ewe, kwiimeko ezigqithiseleyo, kufuneka kube ngumnikelo ongenakuncedo, umzekelo, iimpahla ezimbini kwintengo enye, ngu-50% isaphulelo.

Ngoko ke unokuba njani neenvelivel, ezininzi zazo ofuna ukuzama ngazo? Zama! Ukuba, ngokuqinisekileyo, bakuloluhlu lwakho lokuthengwa! Kungcono ukuba luphawu lokuthengisa oluqinisekisiweyo okanye umkhiqizo, owe wawava ngayo impendulo enhle.

Into elandelayo oyithethayo kukuba ukuchitha imali kwimpahla kwiikhathalogu. Ngaphandle kokungathandabuzeki, i-nail polish in the directory ye intombi intle kakhulu kwaye ikhangele, kodwa ungakulibali ukuba i-varnish yombala ofanayo ingathengwa kwivenkile echasene nayo, kwaye isiqingatha esincinci. Ngaphezu koko, akukho mqinisekiso yokuba le mibala iya kuba yinto engathandekiyo kuwe okanye awuyi kuba nantoni na. Asiyichitha imali!

Ukuba ujwayele ukhilimu we-tonal kwi-khathalogu, ngoko-ke, uyayilungisa. Okanye ukuba umntu wakho uthanda ukuziva ukuvumba kwale mizimu ngokukhethekileyo kuwe, into ongayithengayo ngokusebenzisa ukuthengiswa kwenethiwekhi, ngoko ungaziphiki. Kufuneka u-peper yourself, kuphela kwimida efanelekileyo. Khumbula, sithenga kuphela into esiyidingayo!

Ukuthenga nge-Intanethi kuyakufanelekile ukwenza ngokucophelela. Musa ukulungisa izinto ongaqinisekanga ngazo. Oku kusebenza kwiingubo, izicathulo nezinye izinto ezinokuba nobukhulu. Amanani aphantsi kwiivenkile ze-intanethi ngenxa yokungabikho kwendawo yokuthengisa, ngoko ke ukuba uya kuthenga, umzekelo, ifowuni ebiza i-ruble engaphantsi kwama-500 kwi-intanethi, ngoko oku kuqiqweni. Emva koko, sele uqhelene nokusebenza kwale fowuni, akufani nento ekubonisweni kwisitolo esithile. Sibeka ama-ruble ama-500 kwisabelomali seentsapho.

Omnye wemithetho ebalulekileyo yoqoqosho: awusayi kuphinda uthathe imali. Oku akukho malunga neeruble ezimbini, ezingenakwanela kumhlobo kumatshini kunye nekhofi, kunye nama-ruble angaphezu kwe-100. Ukwenqaba akukho nto ihlambalaza, kunye nayiphi nayiphi na indlela eyaphula isithunzi sakho. Kungoku nje ukuba unomgaqo omtsha ngoku. Ichaphazela bonke abantu. Utshintsha ubomi bakho. Ekugqibeleni, mhlawumbi kuya kufuneka uzilimaze ngandlela-thile, ukuboleka imali kummelwane wakho. Kufanele ubambelele kule ndawo yezinto zonke-akukho nto, kwaye abantu bayayeka ukucela ukuba ubolekise.

Ezi ngcebiso ziyakunceda ukuba ungagcini kuphela uhlahlo lwabiwo lwenu, kodwa utshintshe ubomi bakho. Kuya kubonakala, ngaba kunokwenzeka ukugcina ezininzi kule mithetho? Inzuzo yangempela unako ukubala, ukuba uqikelele, kwaye bhetele ubhale phantsi oko ufune ukuthenga. Kwaye uya kuyithenga, ukuba wawungenayo le ngcebiso. Into ephambili ukukhumbula ukuba ipenki ikhusela i-ruble.