Xa imali ingena, kufuneka uchithe imali yokutya kunye nezambatho, amatyala akhula njengebhola lebhola, kwaye kubonakala ngathi akukho ndlela yokuphuma kule meko. Kuyenzeka ngenye indlela ngeenxa zonke: ufumane ukuphakanyiswa, umvuzo wakho uphindwe kabini, ngoku kubonakala ngathi unako ukukwazi ukufumana oko uphuphayo, kodwa ... Imali ibonakala ikhupha - kwaye ngamanye amaxesha uboleke kwakhona, njengamaxesha amandulo "amabi" .
Njani ukuba? Ngokuguquka okubukhali kwimali engenayo kwinqanaba elinye okanye kwelinye, gcina imithetho emininzi, kwaye uya kuhlala ufutshane ubomi.
Khumbula: i-akhawunti yemali ithandwa
Ngaba unyuke ngokunyanisekileyo? Yamkela ukuvuyiswa kunye neengcebiso: musa ukukhawuleza ngemali ngovuyo.
Musa ukuthenga izinto ngokungachukumisi, phantsi kwe "mood", ngenxa yokuba unako ukuzifumana. Kufanelekile ukuthenga iimpahla okanye izicathulo abacwangcise ukuzithenga ngaphambili, ngaphambi kokwandisa imali.
Kubalulekile ukusetyenziswa kwimali emitsha: umvuzo wahlula ube ngamalungu amabini: isixa esiza kuwe ngaphambi kokunyuka kwemali kunye neyongeziweyo. Zonke iindleko ezifunekayo: ukuhamba, ukutya, izibonelelo, iintlawulo zemboleko mboleko ezenziwe kwixabiso "elidala". Yaye kunye nokudibanisa kuyinqweneleka ukwenza oku: faka kwibhanki kwipesenteji ephezulu. Oku kuya kukuvumela ukuba uqokelele imali emva kwexeshana.
Unokuchitha imali kwisitulo esitsha okanye ifowuni ehloniphekileyo - ukuze "udibane" nesithuba esitsha. Le nkunkuma inengqiqo: ngokuqinisa ubungqabavu bakho, ukubeka isiseko sokukhula komsebenzi, ukutshintshela kwisiseko sokunceda okanye ukunceda abahlobo kunye nezihlobo ezifuna inkxaso yezemali.
Ukuvavanya ngokusemandleni abo. Ungabonakali ukuba uthini ucebile. Musa ukuthenga isiqendu sezinto "zobume". Ukusuka kwinqanaba lokujonga ukusebenza, ababi ngaphezu kokuqhelekileyo, kubiza kakhulu.
Musa ukutshintsha ubudlelwane nabanye. Mthande abahlobo bakho. Wonke umntu uyazi ukuba imali iyonakalisa uphawu lwabantu. Musa ukucinga ngawe ngaloo ndlela. Musa ukuthatha imali mboleko emitsha ngaphandle kokuhlawula kunye naleyo yangaphambili. Kubonakala kuwe ukuba ngoku unako ukuhlawula nayiphi na ityala, kodwa ukulungelelanisa kunokukhohlisa-kulula ukuba ungabali amandla akho emali.
Musa ukusebenzisa yonke imali yakho kanye. Gcina imali. Njalo ubhale phantsi zonke iindleko zakho, kwaye ngexesha elide uphinde ufunde iirekhodi zakho - oku kuya kunceda uqonde oko bekuchitheka ukutshabalalisa. Kuzo kwixesha elizayo ungayenqaba.
Ukulondoloza ngeenzuzo zezempilo
Ziziphi iingxaki zemali zehlabathi, abaninzi baye bafunda ngokwabo: umntu wasinqunyulwa umvuzo wakhe, umntu-waze waxoshwa. Kubalulekile ukunciphisa iindleko - siya kuqonda indlela yokwenza ngokufanelekileyo.
Ngokungeniswa komntu ngamnye kwisabelo-mali seentsapho, qwaba ukuba yeyiphi ixesha omele uwandise le mali. Okokuqala, imali kufuneka ihambe kwiyona nto ibaluleke kakhulu: ukutya, irente, iintlawulo zemali-mboleko. Ukungafuni ukuthenga iimpahla ezintsha, tyelela i-beautician, ithikithi ebiza kwi-theater, uye kwiimvumi kunye nokunye-ngokuqinisekileyo unezinye izinto zeendleko, ngaphandle kokuba ungenakho ngaphandle. Fumana inothi apho ubhala yonke inkunkuma. Lo mkhuba uza kunceda ugcine ufike kwi-30% yomvuzo wakho!
Musa ukuthenga izinto ngetyala. Akunangqiqo xa ungayazi ukuba ingeniso yakho iya kuba ngeveki okanye ngenyanga.
Kungcono ukuyeka ukuthenga . Ngendlela, ukunciphisa iindleko, ungadluli - ungahlali kwisonka kunye namanzi. Ungagcina kwiimveliso kunye neenzuzo zezempilo: inkunkuma ecocekileyo ecocekileyo, iintlobo ezibizayo ze-sausage, i-confectionery, ezinye iiswidi, kubhiya kunye neminye imimoya. Khangela umsebenzi omhle kwi-specialty, kodwa ungayeki nayiphi na ithuba lokufumana imali eyongezelelweyo. Ngenzuzo yokuchitha ixesha elikhululekile, okwangoku unokwenza okokuhlehliselwe ixesha elide: ukudibanisa izinto kwi-pantry, ukubonisa umntwana ugqirha wengcali, ukutyelela izalamane.
Thetha kubantwana , baxelele ukuba yiyiphi ingxaki kwaye kutheni kufuneka ugcine. Xoxa ngeemeko zangoku kwibhunga leentsapho: siye savavanywa ubomi, kwaye sinquma ukushiya into ngoku. Inokwenzeka ukuba, abantwana baya kuphulaphula amagama akho.
Yaye ungakhange ubonakale ukhululekile kwimeko! Kholwa, nakuphi na imeko unokufumana into yokuvuya. Musa ukulibala malunga nabanye: khumbula, umzekelo, iincwadi oye wayenasoloko unalo ixesha.
Amanqaku amathathu oqoqosho
Iifowuni zamazwe ngamazwe: ngokufaka i-Skype program kwikhompyutheni yakho, ungathetha kunye nezihlobo zakwamanye amazwe kwaye uhlawule kuphela i-intanethi.
Unxibelelwano lwefowuni: uhlolisise ixabiso elitsha lomsebenzisi. Mhlawumbi umrhumo wakho wesidala oqhelekileyo "udla" kakhulu kunokuba ungayichitha, uguqula entsha.
Ukuphumla: emva kokuchitha ixesha elithile ukukhangela ihostele okanye indawo yokuhlala engabizi, uya kuchitha imali encinane kunehotele.