Amanqaku ohlahlo lwabiwo-mali
Ukuze imali ihlale iwanele kwaye yonke into, kufuneka wenze isabelomali seentsapho. Isifundo asinzima kakhulu, ngamanye amaxesha sinomdla, kodwa kubaluleke kakhulu - sinceda kakhulu. Ngoko, unemivuzo. Ulele kwisikhwama sakhe, ngokukhawuleza ukudibanisa kunye neebhilidi ezintsha, okanye kwikhadi lebhanki - akunandaba. Sithatha yonke into ethembekileyo kwaye siqala ukwahlula.
1. Ukuthunyelwa kwe-10-15% yabamkelekileyo - le yimali oyilondolozayo kwimini, imoto okanye uhambo olwandle. Uthi, kakade unayo umvuzo owanelisayo, kwaye akukho nto yokunqunyulwa kuyo "emva kwexesha", ungakhathazeki - ukuba uceba ngokuchanekileyo, kuya kuba nemali eyaneleyo, kunye ne-10% eyaziwayo ... Cinga ngokucokisekileyo: ukuba imali yakho ihlawule ngokukhawuleza ngo-10% Emva kwakho konke, unako ukuhlala kwi 90% eseleyo? Ewe, unako. Akukho mvuzo apho kungenakwenzeka ukunqumla isahlulo seshumi singenabuhlungu (xa umvuzo ulingana nendawo yokugcina ubuncinane, asiyi kuthathelwa ingqalelo.) Akunakulungele ukugxotha ngaphezulu kwe-15% yemali engenayo. Uza kubambelela kwimodi yobuncwane kwiveki, ezimbini, mhlawumbi - inyanga Kodwa ke uya kuphumelela kwaye unciphise yonke into eqokelelwa kwi-boutique yokuqala.
2. Sifaka imvulophu ehlukeneyo i-1-2 yee-hryvnia ngeendleko ezinyanzelekileyo. Uhlawula inyanga nganye kwindlu, inkulisa, i-intanethi ... Yabela le mali ngokukhawuleza! Ukuba usenako ukunika imali, kungcono ukuba ungathembeli kubo ekuqaleni.
3. Sithatha ikhalenda ngesandla size sibone ukuba akulindelekanga ukuba kwiintsuku ezingama-30 ezilandelayo, iitshato kunye neminye imithendeleko iya kwenzeka phakathi kwabahlobo kunye nezihlobo. Kuba ukuba kubonakala kwangaphambili, ngokuqinisekileyo kuya kufuneka uthenge isipho. Simisa enye imvulophu kwaye sibeka eceleni imali, leyo, ngakwesinye icala, ayiyiyo intlungu, kwenye - akuyihlazo ukuchitha kwizipho.
4. Bangaphi abaseleyo? Amawaka amahlanu? Mabini? Iwaka? Le yindleko yakho yangoku, imali oyichithayo ngenyanga. Igama eliphambili apha "inyanga." Ukuba asiyikhumbuli i-arithmetic kwiklasi yesibini, ukuba akunjalo, siya kunceda i-calculator, sihlule imali eseleyo kwiintsuku ezingama-30. Iimali ezifunyenweyo ziyimali eqhelekileyo yeendleko zakho zemihla ngemihla. Ngoku uyazi: ukwenzela ukuba ungaphumi kuhlahlo lwabiwo-mali, Ewe, unako ukuchitha ngaphezulu - asikho iidrobho, kodwa abantu abaphilileyo, kodwa kwiintsuku ezimbalwa ezizayo siya kufuneka sinqumle ukuthanda kwethu "ukubuyela kwishedyuli."
Ukugqitywa ngokubanzi
Kodwa ngokuqhelekileyo kwenzeka ukuba ukuchitha imali kuqikelelwe, kodwa kusekho imali eyaneleyo. Siqala ukukhumbula ukuphazamisa into engalunganga. Khumbula amagama eengoma zabantwana abathokozayo: "Ukuba kukho ibhodi elincinane, amabhodi amabini, kuya kuba nelizwi, igama elilodwa, amagama amabini - kuya kuba neengoma"? Nantsi le nto: enye yokuhlafuna i-gum ayinasiphelo, kunye ne-chewing gum, i-tshokoleta, i-cookies kunye ne-boda ye-soda sele sele i-40- 50 hryvnias.Sinika imali yezinto ezincinci ngaphandle kokucinga, kwaye nantsi enye into ebalulekileyo yengqondo isebenza. Intengo yento encinci (ukuhlafuna i-gum, i-tshokoleta) ibonakala ngathi isezantsi kunokuba kunjalo. Kwaye ikhulu lixesha licinga ngaphambi kokuba uthenge, umzekelo, n Isitsha esitsha sebhokisi labadwebi kwigumbi lokulala - ngendlela, ixabiso elincinci ngaphezu kwefowuni.
Nje isifuba sabadwebi - sinjengeyona enkulu, kodwa ifowuni ephathekayo ... Abavelisi bayazi le nkalo yengqondo kwaye bayisebenzise ngempumelelo - xa uthenga into encinci, cingisisa ngamaxesha alishumi, kufuneka unqunywe Ifowuni, apha, ngala ma-hryvnas angama-40-50, okwangoku, unokuthenga iiphakheji zee-diapers, okanye iikhilogram ezimbalwa zeepile, okanye iimagazini ezintle. Ukuze uqonde apho imali ihamba khona, kuya kufuneka ulandele iindleko zakho ubuncinane ngenyanga. Ukubuyiselwa kwivenkile-faka isheke kwi-dadi ekhethekileyo okanye ubhale phantsi iindleko zakho kwincwadi yokubhala ene-"accounting accounting". Okanye gcina idayari yeendleko kwiziko elithile le-intanethi (nje uthayiphe kwinjini yokukhangela "i-akhawunti yekhaya" - kwaye ukhethe indawo efanelekileyo kakhulu kuwe). Ekupheleni kwenyanga, unokwazi ukubona ingakanani yemali yakho engenayo eya ekudleni, ubuninzi-ukuzonwabisa, ubuninzi-ukuhamba okanye ukuhlawula izibonelelo. Eyona nkxalabo.
- Ekuqaleni, ndacinga ukuba: Ndiyayeka le sifundo kwiintsuku ezimbalwa, u-Elena uyakhumbula, unina wabantwana ababini, - kodwa ndigula kakhulu ngeliveki eledlule ngaphambi kokuba mna nomyeni wam sihlale macaroni size siphuze itiye ngaphandle kwekiki. Ndazi ukuba yayiyiphutha lam. Kwaye ndagqiba isigqibo: kuba inyanga ndiya kuqiniseka. Ngoku sele iinyanga ezintandathu, kwaye ndisaqhubeka uluhlu lweendleko. Kwakuyimidlalo enomdla kangaka! Ngendlela, sele sele ndiqalise ukuchitha imali encinci kwiintsuku zokuqala: ingcamango yezinto eza kufuneka zifakwe kwiindleko ze-plastic bracelet ezithengiweyo ngokungahleliweyo okanye indebe yekofi kwi-supermarket caffe ngokukhawuleza yima isandla. esolulela isikhwama. Kutheni ndifanele ndiyisele ikofi kwitolo ukuba ndihlala ekhaya ngemizuzu eyi-15? Kwaye ndifuna i-bracelet ye-30 hryvnia? Ewe, xa ndiqala ukuhlalutya, ndafumanisa ukuba isabelo seengonyama sisetyenzisiwe kwiintengo ezinengqiqo. Siye safundiswa ngokuqhubekayo "Ndifuna ukuthenga." Ngoku sizama ukuchazela ukuba imali iyimveliso yokugqibela kwaye kubalulekile ukuyilahla ngengqondo. Kakade, akuzange kubekho iinyembezi, kodwa siyazibamba. Bavumele ukuba abafana bafunde ukuchitha imali ngakumbi , kunabantu abadala baya kuhamba rhoqo kwi-rake efanayo.
Akukho zixhobo!
Kulungile xa imali isetyenziswe kwintsapho "kwindawo ebumbene." Nokuba umntu u-spender ocacileyo, kwaye okwesibini ngu-skuperdyay? Ukuba kubalulekile ukuba umntu athenge i-blouse entsha nyanga zonke, kwaye okwesibini, ukufaka izinto ezintsha kwikhompyutha? ixazululwa ngokulula - kwanele nje ukuba uvumeleke ukuba uhambe "ngaphaya kwemida yokuziphatha". Ndixelele, kutheni unayo isikhwama esifanayo nomyeni wakho? Akukhathazi kuwe okanye naye. Kodwa oko kwamkelekileyo, ngoko ke, nyanga zonke uyinika ngokupheleleyo umvuzo wakhe (ngoxa ke, ngokuqinisekileyo, ezishiya eyimfihlo ye-stash), kwaye wena, ngokucwangcisa yonke imali, phakathi kweenyanga, ngokukhawuleza udibana nekhonkrit eqinisekisiwe: "Ndiza kuthatha i-hryvnia yakho 50 - ngomhla wesiganeko saseSan Sanych. "Ngoko kutheni ufuna" iindiza eziqhelekileyo "? Vumela ukuba uphile ngendlela efanelekileyo kuwe!
Umzekelo, unokumisela le nkqubo: nyanga zonke, umyeni wakho ukunika inxalenye yomvuzo wakhe weendleko zesevisi, ukuthengwa kokutya kunye nokuchitha imali kubantwana (ukuba, ngokuqinisekileyo uthengisa kwaye uhlawule iibhili). Omnye umvuzo wakhe uhlala naye. Kodwa ngoku umyeni ngokwakhe ukhathazekile ngokuthulula i-petroli emotweni, ukuthenga intonga entsha yokuloba okanye ukuhlala nabahlobo kwi-bar. Unesandla sakho esisisiseko, apho kungekho mntu uya kufuneka ngokukhawuleza ukuba afune ipenny. Yaye unako ukuchitha inxalenye yomvuzo wakho, ungenalo imali ekuthengweni kweemveliso ngokuqhelekileyo, ngokwakho, akukho ndlela ubika kumyeni wakho.
Kwintsapho yabahlobo bam, iindleko zihlukana ngokubanzi: indoda evela kumvuzo wayo ihlawula iibhilikhwe kunye neengubo, umfazi uchitha imali ekudleni. Ngeentambo kunye neendleko ezinkulu, zombini zibeka eceleni inani elifanayo kwi-akhawunti edibeneyo - kwaye wonke umntu uyavuya. Thetha nomyeni wakho - mhlawumbi isiluleko esiluncedo kakhulu. Nika izikhetho zakho, ziphulaphule. Emva koko, ukuvisisana kwintsapho kubaluleke ngaphezu kwayo yonke imali. Kwaye akuyi kubakho omnye umfazi ovakalelwa kukuba iimfuno zakhe ziphulwa. "Andiyi kuchitha imali ngempilo," wachaza uAna, "ndaza ndenza isigqibo: Ndiyinike umvuzo wonke kumyeni wam. Endleleni eya ekhaya, u tyelela ivenkile, athenge ukutya. Uyazi kakade into endiyidingayo ukulungiselela isidlo sakusihlwa. Abahlobo bam bathi kum: "Unokuphila njani ngaphandle kwemali?" Ndiyoliswa ngokwenene! Uthandekayo wam undihlangule kwidingo lokukhathazeka: sihamba naye esitolo - uhlawula iibhola kunye neengubo (okanye uxhaphaza ukuthenga i-skirt yeshumi), undikhokela kwi-cafe - kwiimeko ezinjalo ndiziva ngathi ngumshicileli! Okona kubaluleke kukuba bobabini banako ukukhululeka, kwaye imali iya kuhlala isele yonke into.