Kuthiwani uma kukhona isilawuli ku-tram, futhi awunayo ithikithi, futhi ukhohlwe isikhwama sekhaya? Kuthiwani uma izindleko ezihlala endlini ngenxa yezizathu ezithile, izimo eziphuthumayo, eziphuthumayo noma ezibuhlungu futhi ezingakhokhelwa kanye nokucabanga zidonsa ikusasa ebhokisini lekhadibhodi emgwaqeni?
Kuthiwani uma, ngokudla kwasemini ku-cafe, ngokungazelelwe uqaphele ukuthi awubhalanga amandla akho wezezimali? Indlela yokunqoba ukwesaba amakhadi epulasitiki? Kuthiwani uma "uhileleka" emfundweni ekhokhelwayo, uyaqaphela ukuthi awunayo indlela yokukhokha i-semester elandelayo?
Ukwesaba ezokuthutha
Into yokuqala okudingeka uyikhumbule uma ungenayo imali ezokuthutha zomphakathi ngamalungelo akho. Ukuphulwa kwemithetho yokusetshenziswa kwezithuthi zomphakathi kuhlanganisa umthwalo wokuphatha. Kodwa-ke, umlawuli akanalo ilungelo lokufuna ukukhokhwa kwefa ku-cabin yebhasi noma i-tram, ugunyaziwe ukubhala irisidi yokukhokha ebhange, futhi angakubiza ngokukhululekile ukuba ushiye. Thumela umhlukumezi kummeli wamaphoyisa wezinkampani zokuthutha unelungelo kuphela uma ukugodla kudla kabi. Esinye isici senkinga akuyona ngaso sonke isikhathi ukuziphatha okulungile kwabalawuli. Ukuphuza nokuzinza okukhulu kuzokusiza ukuba ugcine isithunzi.
Konke kuyabiza kakhulu!
Uma i-akhawunti esitolo sokudlela igcwele ama-zero futhi idlula inani lemali elitholakalayo (kahle, uvele uphazamise amathegi wamanani, ubheke lapha, noma ukhohlwe ukuthi awunayo imali eningi esikhwameni sakho), ungazama njalo ukuxoxisana nomphathi wokudlela noma i-cafe. Chaza isimo sakho kuye bese ubiza umyeni wakho noma intombi yakho bese ubacela ukuba banikeze imali engekho. Uma lokhu kungenakwenzeka, nikeza ukushiya njengamacici okuthandayo, ilayisense yomshayeli (kodwa hhayi ipasipoti) bese uya khona ngemali. Ngaphezu kwalokho, amathilomu amaningi angakwazi ukukhipha izikweletu zabo, isibonelo, ukugeza izitsha noma ukuhlanza ekhishini.
Ummeli
Ukhohlwe isikhwama bese uhamba emgqeni webhasi kungenza wonke umuntu (kulokhu kungcono ukuthi achaze ngokushesha isimo somshayeli), futhi akukho lutho olungalungile ngalokho. Kodwa ukuboleka imali ngaphandle kwemfuneko yokuyikhokhela - hhayi umbono omuhle. Indlela enhle yokuqeda ukwesaba kwezezimali ukuthi ufunde ukuthi ungagcina kanjani isabelomali (ukubala imali engenayo kanye nezindleko), zibeke imigomo yezimali (ukuze uphumelele, hamba eholidini, uthenge imoto) futhi ubenze ngezinsimbi ezithile (idiphozi, njll).
Ipulasitiki esikhundleni semali
Amakhadi esikweletu asekuvele avele emakhonini ethu. Kodwa-ke, amaphephandaba namamagazini bagcwele imibiko mayelana nabakwa-cyber-fraudsters ababa imali ngokuchofoza okukodwa kwegundane lekhompyutha. Zonke lezi mphuzu (ngokusobala zikhukhumeza) ziholela ekutheni sesaba amakhadi epulasitiki futhi ngosuku lomholo sisusa yonke imali. Ukuze unciphise impilo yakho, sebenzisa zonke izinsizakalo zebhange, eklanyelwe ukuvikela ama-akhawunti kusuka ekuthungeni: xhuma isistimu yesaziso esisheshayo sokuthengiselana nge-imeyli noma i-sms. njalo uphathe ikhadi lebhizinisi ngefoni yokuvimbela ikhadi eliphuthumayo, uqinisekise i-akhawunti yakho, uthole ikhadi elihlukile lokuthengiselana nge-intanethi, khumbula ikhodi yephini futhi ungalokothi ugcine ukhiye we-elekthronikhi namakhodi endaweni eyodwa. Ngemuva kwezinyathelo zokuphepha ezinjalo, awukwazi ukuvuza.
Ukukhishwa kwezindlu
Imiphumela yesikweletu semali ekhokhelwa indawo yokusetshenziswa komsebenzi ingase ihluke. Into yokuqala ozoyikhokha izinhlawulo zokungakhokhi. Ngaphezu kwalokho, lungela amakholi wefoni okuhlala unomphela-izikhumbuzi. Kodwa-ke, uma kuzikweleti ezinkulu kakhulu, icala lingase lifinyelele nokuxoshwa noma ukuqoqwa kwemali enkantolo. Ngakho-ke, ikakhulukazi, abaqashi bezindlu eziqashiwe ngaphansi kwenkontileka yokuqashelwa komphakathi balinde ukuhlala kabusha endaweni yokuhlala encane (isibonelo, ekamelweni elisendlini yokuhlala noma ehostela), futhi abanikazi bendawo bayongelwa ukufakwa kwempahla nokuyithengisa ngemali. Ilawulwa yi-athikili 83, 84, futhi ibhalisiwe esahlukweni VII sekhodi yezindlu ye-Russian Federation. Kodwa kubalulekile ukukhumbula ukuthi lezi zinyathelo ziqala ukusebenza ngemuva kwezinyanga ezingu-6 zokungazinaki izinhlelo zokukhokha. Vumelana, izinyanga eziyisithupha - isikhathi eside esanele sokuxazulula le nkinga.
Ungahlali ngaphandle kwe-diploma
Imfundo iyaqhubeka ikhokhelwe, ngakho-ke ukwesaba ukuhlala ngaphandle kwediploma, uma kungazelelwe isimo sezimali emndenini ngeke sishintshe ngcono. Yini ebangela lokhu kwesaba? Ingabe imayelana nemali noma ingabe iwukuziphendulela kobuvila (ukuvilapha kakhulu ukusebenzela ukukhokhela izifundo)? "Umgwaqo uzokwazi ukuhamba kahle!" Ngaphezu kwalokho, amabhange alungele ukusiza nokunikeza isikweletu semfundo. Ukuqaphela kwayo ukuthi imali idluliselwa ngqo esikhungweni noma eyunivesithi ngesikhungo sezezimali, futhi umfundi ukhokha imali emva kokuthola idiploma. Ngakho-ke amathuba okuba ahlale e-ignoramus ayancipha, futhi isisusa sokutadisha izithelo futhi sithole umsebenzi ohloniphekile kuphela ukwanda.