Ubomi kunye kunye nezoqoqosho abuzuzi. Sinikela ngeendlela ezininzi zokucwangcisa uhlahlo lwabiwo-mali. Okokuqala, makhe siqwalasele xa amaqabane amabini azuza, Iqabane ngalinye libeka iirisithi zayo kwiintsapho "ikhekhe", kwaye njengoko kuyimfuneko ihoxise imali esuka apho.
Yile ndlela uhlahlo lwabiwo-mali lwentsapho, apho umvuzo womfazi nomyeni ohluke kakhulu. Le ndlela ifanelekile kwizibini ezithandekayo ezinomdla ofanayo, ngale ndlela ayiyi kuba yindlela yokucwangcisa uhlahlo lwabiwo-mali, kodwa indlela yokwabiwa kwemali. Xa imali yomntu ihlukile kwaye ngexesha elifanayo kakhulu kakhulu ukusuka kwelinye, ke lowo ofumana uncinci uyamkela, akasenaso isikhuthazo sokuphuhlisa. Kwaye ulahleko olunjalo lwesicwangciso sohlahlo lwabiwo-mali.
I-"piggy bank bank" ithathwa njengenyathelo eliqhubekayo. Ingeniso ihlukaniswe ngamacandelo amabini: umntu kunye noluntu. Kwaye kuxhomekeke kwinto enentsapho eyodwa kwisicwangciso esinye: iimfuno zomntu okanye eziqhelekileyo. Umntu ngamnye womtshato unikela inani elimisiweyo kwibhanki yengulube kwiimfuno zentsapho, ingaba yinto yokuzinyonga, iphepha lokungcebele njalo njalo. Kodwa njengokuba kukho ukubonisa, le ndlela ikhulisa iindleko.
Indlela eyahlukileyo yonikezelo lwemali "kwiiphampu." Kule meko, iindleko zentsapho zikhokelela kwiindleko zomntu. Kwaye ukusabalalisa iindlela kule ngxaki kunzima. Kuthatyathwa iimbulunga ezininzi ezingenanto, zisayinwa ngokweentlawulo zeentsapho. Kwiimvulophu zeqabane, zibeka eceleni ixabiso elifanayo.
Fumana ukuba uninzi lwemali elisekhompyutheni nganye, unakho emva kokubala okude. Imali eseleyo, emva kokuba imali isasazeka kwii-envelopes, ithathwa njengokonga kwabo. Kodwa kukho ingozi ukuba umlingane, umvuzo wakhe ungaphantsi kweembotyi, ngokubhekiselele ekubeni ayiyi kuba nolondolozo lomntu. Kodwa le ndlela iyathembisa, ukuba ufuna imali engakumbi, kufuneka usebenze ngaphezulu.
Cinga intsapho apho kuphela omnye umfazi osebenzayo.
Iingcebiso ezivela kwiingcali:
1. Sibala iindleko. Kwaye, ekugqibeleni, unokuqiniseka ukuba sichitha ngaphezu kokufumana. Siza kubala zonke iindleko zingangeenyanga ezintathu.
2. Sigcina iipesenti ezili-10 zonke ezifunyenwe ngemali.
3. Ukukhawula iindleko. Senza oku kumcebisi oyintloko, kwaye kumntu ohlala ngaphandle komvuzo.
4. Ukufunda ukuya kwithengi, kufuneka bacebe, bangabi nantoni.
5. Siya kuluhlu kwi-hypermetet. Amanani kuma-hypermarket afikeleleka kakhulu, kwaye ukuba uyazithenga ngamabomu, unokugcina imali. Sithatha inqwelo encinci, emva koko, sizama ukuzalisa isikhala esingenanto ngokukhawuleza kunokwenzeka ngokwengqondo.
Iingcebiso ezimbalwa ezilula zokuqala ukugcina
Ukufaka ii-bulbs zokulondoloza amandla, indlu yangasese kunye nokucoca kwamanzi amanzi, iibarta zamanzi. Emva koko irente iya kunqunyulwa ngama-30%. Ukuba uhlawulela umbane ebusuku kunye nemini, ke kunengqiqo ukuqhuba ukuhlamba kunye nokuhlambela ngokutsha emva kwamahora angama-23.00, xa amaxesha amathathu anombane ongezantsi.
Sithenga amakhadi okuhamba. Ikhadi kwisitrato iyakwazi "ukuzithethelela" kwiinyanga ezintathu, ukuba uya kwi metro ngaphezu kwesinye ngosuku.
Ukuba kukho imoto, imali eninzi iya kwi-petroli. Xa uphahlaza kwisikhululo segesi enye, ungawacela kwikhadi lokuphuhlisa. Nangona ugcina i-ruble 1 ngeyure, ungagcina i-ruble engama-200 ngenyanga. Ukuba kunokwenzeka, sigcwalisa imoto kwindawo, kwaye kungekhona kwisixeko. Awunayo ukulayisha ngaphezulu imoto, thintela i-jams, kwaye ungagcina iiruble ezimbalwa kwi-fuel.
Iimveliso ezingabonakaliyo (macaroni, okusanhlamvu, ushukela) zithengwa kwiinqwelo ezinkulu. Kwakhona iimpahla zasendlini (iiponji, isepha, iikhemikhali zendlu) sithenga ngobuninzi.
Iimfihlelo ezixabisekileyo
1. Abantu abaninzi, befumene umvuzo, bajonge ukuthenga, kwaye kukho ukuthenga okunjalo, ngaphandle kokuba ungayenza ngaphandle. Yaye masiyeke ukuthenga konke ukuthenga ngomso. Le "fever shop" iya kunyama ngokupheleleyo okanye iyancipha. Kwasekuseni ngentloko entsha ungagqiba isigqibo sokuba ufuna ukuthenga kuqala.
2. Fumana isikhwama esincinci esincinci, uze uthele utshintsho oluncinane kuyo, ngaphandle kokuchitha okanye ukujonga. Xa iphetshana lamaphepha eencwadi, uya kumangaliswa ukuba uqaphele ukuba kule ngxowa-mali imali efanelekileyo iqokelelwe.
3. Musa ukuthatha mboleko, ukuba ngaba kukho kuphela, imfuneko enkulu. Kodwa kufuneka uwanike xa ufuna, ngaphandle kokulinda. Xa unetyala, cela ukubuyisela yonke imali kanye, kodwa kungekhona kwiindawo.
4. Musa ukuthenga izinto ezincinane ezi-2 okanye ezi-3 zomgangatho osweleyo, ngoko-mali ufumana uhlahlo lwabiwo-mali.
5. Yiya kwisitoreji ngenani lezinto eziqulunqwe ngaphambili, kwaye ungashiyi uluhlu ukuba ulibale ukubhala phantsi into ethile. Unokubuya ngomso. Akukho mfuneko yokukhohliswa ngepakethe enemibala emihle, ayichaphazeli umgangatho weempahla, kodwa yandisa kuphela inani layo.
6. Zama ukulandela isiluleko somfazi othi, ukuphuhlisa intsapho, wanquma ukugcina imali. Ucebise ukuba alungise ikhadi elinye leplastiki ezimbini, xa sele silulungele, kufuneka uhambe udibane. Ngoko omnye uba ngumnikazi wekhadi, kwaye okwesibini ukhumbula i-PIN-code. Olu lwazi lunye lunye lungafanele lutshintshwe. Le ndlela inamathuba amaninzi, ukuthenga kwenziwa ngokuvumelana kunye, kwaye kunokunciphisa kakhulu iindleko zentsapho. Xa uya ebhanini kunye neqabane lakho, ukuze uhoxise imali kwikhasi, unokutshintsha ingqondo yakho kwaye wenze ukuthengwa okungalunganga.
Mhlawumbi umntu uya kufumana le nto engaqondakaliyo, kodwa ukuzinyamekeka kwemali kunqunywe ukuba uhlala phi ngeendlela, kungekhona ngobukhulu bemali engenayo.
Yintoni ephila ngeendlela? Oku akuthethi ukuba kufuneka ulahle yonke into yakho kwaye ugcine imali kwizinto ezizonwabisa ezimnandi. Sifuna nje imali ukuba isasaze ngokufanelekileyo. Ewe, ndifuna ukufumana ngaphezulu.
Naliphi na imali enokuthi ungasindisi komnye umvuzo, kwaye ungayazi ukuba uza kuhlawula imali-mboleko, kwaye unokuphila, ujabulele ubuncwane obuncinane ebomini.
Ikhefu lokugqibela lifuna ukuhlonipha imali kunye nokwazi ukwakha uhlahlo lwabiwo-mali.
Siza kunyamekela uhlahlo lwabiwo-mali, kwaye siya kuqonda apho yonke imali ethembekileyo ethembekileyo ihamba rhoqo ngenyanga. Emva koko unokwenza uceba iindleko, gcina imali yokuthenga ezinkulu kwaye ugcine imali.
Ukucetyiswa kakuhle kwaye rhoqo kwakha uhlahlo lwabiwo-mali lunikeza umqondo wokuzinza nokuzithemba. Cinga ngebhajethi yakho kwaye ulale ngokuthula.
Senza njani oku?
Ukulawula uhlahlo lwabiwo-mali, kukho ezininzi iinkqubo zekhompyutha. Ingxaki yabo kuphela kukuba bafanele zonke iziganeko kwaye bahle kakhulu. Kodwa sifuna i-unique, imeko yethu. Kwaye kukho rhoqo ukugcinwa kweencwadi ezinzima kangaka?
Indlela elula yokubhala kwincwadi ekhethekileyo okanye kwidayari yirekodi elula yeendleko kunye neengeniso. Ngelilingo kunye nephutha, ungayifumana ifomu yerekodi eya kulungeleka kuthi.
Kwiphepha elilodwa sibhala phantsi yonke imali efunyenwe inyanga kunye neendleko. Kunqweneleka ukuba kukho indawo yokugqibela yamanani. Emva koko itafile yonke iya kuba phambi kwamehlo akho, kwaye uhlalutyo lula. Uya kufuna ama-sheets 13, iphepha elilodwa lenyanga kunye nelinye inani elilonke lekota.
Ngemivuzo, sonke siyaqonda, eli candelo liza kubandakanya umvuzo wonke amalungu omndeni, kunye nemali engenayo: izipho, ibhonasi, ipensheni, iinzuzo kunye njalo njalo.
Sisabalalisa iindleko ngamaphepha kunye nokurekhoda, kunokutya, iindleko zonyango, ukuthutha, izixhobo, iimpahla, ukutya kunye njalo.
Emva koko kwisigaba sokusasazwa kweendleko, unokusombulula ezinye iingxaki. Ukuba ukutya kuhambelana neengcinga zakho malunga nokutya okunempilo, ukulinganisela, kunye nokutya, uchithe imali efanelekileyo, ngoko ke kukho uhlobo oluthile lokutya akudingeki ukuba wenze iirafu ezihlukeneyo. Yonke into enhle apha, kwaye kuyafaneleka ukukhangela ithuba lokulondoloza kwenye indawo. Ukuba uyidla isonka, imali yakho iya kungena nto, ngoko kufuneka ubhale phantsi imali echithwayo xa kuthengwa iimveliso ezigqityiweyo, kwimveliso yobisi, intlanzi, inyama kunye nemifuno.
Abanye abantu bahlula zonke iindleko kumaqela amathathu-iintlawulo ezifunwayo, iintlawulo ezifunekayo kunye neentlawulo ezibophelelweyo. Kwaye sele sele uhlala ngaphakathi kweqela ngalinye kufuneka uwasasaze ngezinto ezixabisekileyo. Emva koko kuya kuba lula ukusabalalisa imali, kwiliphi iqela eliya kuthi imali ilandele imigodi, ngenxa yeendleko ezingalindelekanga. Ezi zindleko ezifuneka zihlawulwe rhoqo, isixa sabo asixhomekeke kuwe, kufuneka udibanise kwinqaku enye-"inkokhelo engunaphakade". Nanku zonke izinto ziya kuxhomekeka kwiimfuno zakho ezithile kunye nomnqweno wakho.
Into yeendleko "ezahlukeneyo" okanye "enye" iya kuba yinyanzelo kuwe. Kukho rhoqo iindleko ezincinci kakhulu, ongazikwazi ukuba uya kuphi, kwaye ngokuphindaphindiweyo ngesibalo ziya kufumana izibalo ezibonakalayo. Nantsi kubalulekile ukuqiqa ukuba kutheni le nto yenzeka. Mhlawumbi, umntu ovela kwintsapho yakho uthenga nayiphi na inkunkuma, kuphela ngenxa yokuba engabizi.
Kufanelekile ukunikela ingqalelo kwiinyanga ezininzi ochitha imali kuzo zonke iintlobo zeendleko ezingalindelekanga. Kwaye kwixesha elizayo siza kufaka inani elithile kwibhajethi ecetywayo. Musa ukulibala ukucwangcisa iindleko zemikhosi, iintsapho kunye neeholide. Ukuba uqokelela imali yokuthenga okukhulu, kufuneka ubeke le mali kwibhokisi elithile. Kwikholamu eyahlukileyo kuya kuba neentlawulo kwiimali kunye neengxowa-mali.
Ekupheleni kwenyanga, siya kubalwa kwaye sixoxe kwibhunga lekhaya. Unethuba elihle lokulandelela iindleko, ukuhlawula, ukucwangcisa iindleko zexesha elizayo, kwaye unokufumana ithuba lokulungisa ukusahlukana kweentsapho.
Indlela yokuyisebenzisa
Kunzima ukuthetha ngohlobo oluthile lokucwangcisa, de kube ezinye iifomanani ziqokelelwe. Ngokusekelwe kwiziphumo zenyanga yokuqala, sinokufikelela kwizigqibo. Ukwazi ukuchitha imali, unokujonga apho yonke imali ihamba khona.
Mhlawumbi ngokujonga kuzo zonke iirekhodi, uya kukhwankqiswa xa ubona imali eyichithwa kwizinto ezingadingekile ozithengayo ngokukhawuleza. Kwiminye inkcitho, njengoko kamva, kuvela, kwakunokwenzeka, ngaphandle kokulimala kwinqaba, kwaye le mali ihamba ngqo kwezinye iimfuno.
Ukuhlalutya amanani, kunokwenzeka ukuqonda ukuba yiyiphi imveliso ethengiweyo, kwaye yiyiphi imveliso ekufuneka ithengwe ngobuninzi. Kwaye kwangexesha elifanayo kufuneka ufumane ukuba yeyiphi imveliso ofuna ukuyithenga kwiiphakheji ezinkulu.
Ngoku siyazi indlela yokwabiwa kwezezimali kwiintsapho. Kufuneka usebenze njengemali enamava, uhambe ukusuka ekuhlaleni uhlalutyo, kwaye emva koko-ukuphunyezwa nokucwangcisa izicwangciso.