Imithetho eyisikhombisa yomnotho
1 umthetho. Qopha izindleko zakho
Ukuqoshwa kwazo zonke izindleko kusakazwa, kokubili ukuthenga okukhulu nokuthengwa okuncane. Qala i-notebook ekhethekile noma uvule uhlelo olukhethekile lwekhompiyutha - i-Excel, uhlukanise ithebula emagrafu amaningana nsuku zonke, uzofaka zonke izindleko zakho. Ekupheleni kwenyanga udinga ukungeza zonke izibalo bese uzothola ukuthi usetshenziselwa imali engakanani into ngayinye yezindleko. Uma ususa ukuthenga ongakwenza ngaphandle, uzobona ukuthi ungalondoloza imali engakanani kwenye inyanga.
2 ukubusa. Sihlela futhi sihlaziye
Ekuqaleni kwenyanga ngayinye, hlela ukuchitha imali nezinto zokuthola imali. Umuntu ngamunye unezinkokhelo eziphuthumayo, okumele zikhokhwe ngempela, azikwazi ukulahlekelwa - isikweletu, ukuboleka imali, ukuqasha. Uma ubala lezi zindleko kusengaphambili, khona-ke uzokwazi ukuthi imali esele ishiyelwe yini. Wonke umuntu ohlelweni lwesabelomali unenethiwekhi yezindleko "eziqhubekayo", zingabikezelwa. Ngakho-ke udinga ukulondoloza imali "engathandeki", engacacile ukuthi ingaphi.
Hlaziya ukuthenga kwakho, cabanga ngalokho okuthengwa kubaluleke kakhulu okwamanje, yini enye engayilinda, ngaphandle kokuthi ungayenza ngaphandle, zama ukuphila ngendlela yakho.
3 umthetho. Gwema izikweletu nezikweletu
Imali ilula kakhulu ukuboleka, kodwa kunzima kakhulu ukuyibuyisela, ikakhulukazi imali-mboleko ngesistimu yabo yesithakazelo esiyinkimbinkimbi. Zama ukuhlehlisa inyanga ngayinye kancane ekuthengeni okukhulu, kunokuboleka imali enkulu kubangani bese uthenge izinto ngesikhathi esisodwa. Kwenzeka ukuthi izimo zidlala ngokumelene nawe, futhi awukwazi ukubuyisela imali ngesikhathi. Funda ukuthembela esikhwameni sakho futhi kuwe kuphela.
4 ukubusa. Sihlehlisela kudiphozi
Idiphozi ibhekwa njengendlela ephephile kakhulu yokutshala imali. Kulinganisweni yezikhungo zezikweletu ezinokwethenjelwa, khetha ibhange bese uvula i-akhawunti lapho. Vala kule akhawunti kusuka ku-5-30% wemali yakho, ngemva kokuyithola, uze usebenzise yonke imali. Idiphozithi izoba yisitoko sakho semini yokuvula, noma ukuthengwa okubizayo. Kuzuzisa kakhulu ukuqeda ekupheleni kwethemu, kungenjalo uzolahlekelwa inzalo. Thola ama-akhawunti amaningana kumabhange ahlukene, akudingeki "ufake zonke amaqanda kwelinye ibhasikidi", makube okungenani ama-akhawunti amabili ahlukene. Yazi ukuthi uma kunenkinga ebhange, izimali zakho ziqinisekisiwe yi-state kuze kufike kuma-ruble ayizinkulungwane ezingu-700. Inketho ekahle kuyoba uma udala "imali yokuphepha" enjalo, engalingana namanani akho amathathu ezinyangeni zenyanga.
5 ukubusa. Shiya yonke imali ekhadini
Uma uthola imali ekhadini lakho lasebhange, akudingeki ukuba ususe ngokushesha yonke imali. Kungcono uma ushiya ibhalansi encane yemali ngomholo ngamunye, ungayisebenzisa uma ungakwazi ukugcina ngaphakathi kwesabelomali kungakapheli inyanga. Ngaphandle kwesidingo esikhulu, ungathinti le mali. Kodwa uma izinyanga ezimbalwa ziqoqile izilinganiso eziningana kule akhawunti yakho, kuyoba yindawo enkulu yemali kuwe, futhi ungayisebenzisa kalula, okungeke ukwazi ukusho mayelana nediphozi.
6 umthetho. Ukucabanga, ukubala okuvamile nokuzithiba
Lezi yizinto ezintathu ezisemqoka zomnotho. Ngokuqinisekile ngeke kube nalutho ukugcina namuhla, cabangela yonke imali, uma uthenga ukudla, futhi kusasa uchitha yonke le mali igcinwe endaweni yokudlela.
Zama ukubala imali yakho njalo, uziqinisekise ukuthi udinga ukulondoloza imali. Ukulondoloza kufana nokudla. Kuyoba nzima ukuqala, bese uzolisebenzisa futhi uzogcina ngokuzenzakalelayo.
7 ukubusa. Yenza ukuhlaziywa kwemakethe
Ungaligodli izimpahla ngaphandle kwe-counter ngokuyimpumputhe nangokungaziphathi kahle. Ukuze ufunde ukuthi ungagcina kanjani, kufanele uqaphele ububanzi namanani. Abakhiqizi abaningi banciphisa amanani uma bengena emakethe ukuze bakhanga umthengi. Ngesikhathi esifanayo, izakhiwo zomkhiqizo kanye nekhwalithi azibi nakakhulu kunalabo abaye "benza igama." Qaphela umehluko emkhatsini wezimpahla ezifuywayo nezingenisiwe, phakathi kwezimpahla ezenziwe ngezandla nezimpahla ezikhiqizwa ngobuningi, phakathi kwezimpahla ezipakishwe emaphaketheni aqhakazile noma ezifakwe emaphaketheni alula.
Qaphela izaphulelo, zifihla ukudoba, nje umkhiqizo uzophelelwa yisikhathi.
Yini ongayilondoloza?
Cigarettes
Uzoyeka ukubhema? Udinga ukuvikela impilo yakho, futhi ngempela ungathenga iqoqo lezingubo zangaphansi zemali ukuze ulondolozwe imali. Kuzwakala kuyilingo.
Ngeviki, ukugcina isilinganiso samaphakheji angu-4 ama-ruble angu-50.
Ngeviki - ama-ruble angu-200.
Ngonyaka - ama-ruble angu-9600.
Izindaba
Ukuthengwa kwama-periodicals kubhidliza kakhulu isikhwama. Amaphephandaba, amaphephandaba, ngoba ungafunda konke lokhu kuyi-intanethi, ungabheka ngokusebenzisa i-salon yobuhle ngenkathi ulinda isikhathi sakho. Ingabe ucabanga ngempela ukuthi ngeke uphile ngaphandle komagazini omnyama obumnyama? Phela, ngale mali ungathenga izinyanga ezingu-10 ezihlukahlukene ezithakazelisayo neziwusizo ezingeke ziphele isikhathi ngenyanga, njengamamagazini wakho.
Ukulondolozwa (amaphephandaba amathathu ama-ruble angu-20 ngesonto, umagazini we-ruble ayi-100):
Ngeviki - ama-ruble angu-160.
Ngenyanga - ama-ruble angu-640.
Ngonyaka - ama-ruble angu-7680.
Snack
Isabelomali semindeni sithinteka kabi ngalezi zindleko ezincane, ezingalindelekile. Kukhona ama-ruble angamashumi amabili, ama-ruble ayishumi, ubheka, kodwa awunawo ama-ruble ayizinkulungwane. Wonke umuntu uyazi lesi simo. Masithathe ukulawula lezi zindleko. Ukuhlafuna i-gum, i-ayisikhilimu, i-Coca-Cola, amasinki, uthenge uma uyifunayo ngempela. Futhi ekupheleni konyaka wezomnotho ungakwazi ukubhalisa ngezifundo zaseSpain.
Ukulondoloza (amaphakethe amathathu wokuhlafuna ama-ruble angu-15, iziphuzo ezingu-5 ngamabhule angu-20, ama-chocolate ama-ruble angu-15, ama-ruble angu-50 ompofu):
Ngesonto - ama-ruble angu-270.
Ngenyanga - ama-ruble angu-1080.
Ngonyaka wezi-12960 ruble.
Ukuthenga
Ungahambi ngaphandle kwezebhizinisi ezindaweni zokuthenga nezitolo ezinkulu. Thatha futhi ubhale uhlu lokuthenga lapho uya esitolo, bese uzama ukunamathela kulo. Thatha amakhadi esaphulelo. Ungenzi ukuthengwa kwe-rash, beka eceleni ihafu yehora into oyithandayo. Hamba uhambahamba ezitolo bese uthola ukuthi uyayidinga yini le nto, futhi uma ungayithenge, ingabe izosinda. Uma ngekhadi lesikweletu uthenga izinto, gcina wonke amasheke bese uhlola njalo ibhalansi ekhadini lakho.
Ukulondolozwa (ukuthenga okungenalutho 1 ngeviki)
Ngeviki - ama-ruble angu-1000.
Ngenyanga - ama-ruble angu-4000.
Ngonyaka - ama-ruble angu-48000.
Cabanga ukuthi uzothola imali engakanani ekudingeni nezinto ezicatshangelwe, uma uyeka ukwenza izinto ezingenamsebenzi, kungekho lutho olungcono lokukwenza. Udinga ukugcina isikhwama sakho sesikhwama ngaphansi kokulawula. Kuwo wonke umndeni, kungakhathaliseki ukuthi uyothola kanjani, ungahlela konke ukuze inhlalakahle yomndeni izokhuphuka njalo, futhi ungahlali emalini ukuze ukhokhe. Emindenini eminingi, isigamu semali engenayo iyahamba, akucaci ukuthi iyiphi indlela. Nganginemali nje, futhi seyihambe. Uma kunengqondo ukufika kwesabelomali semindeni, lokhu ukulahlekelwa kunganciphisa kube yi-10% yenani eliphelele.
Izinkokhelo eziphoqelekile kanye nezindleko yizinkokhelo zikamasipala, izikweletu kanye nokunye, futhi le ndlela yokusetshenziswa iyigamu lesabelomali somndeni.
Khona-ke kukhona izindleko zokudla. Ngokuba inkosikazi engokwezimali lapha yilwandle lomsebenzi. Futhi uma ukudla kuthengwa ngokweqile, khona-ke izingxenye eziningi ezibizayo nezingozi kuzozenezwa kwimikhiqizo edingekayo. Ungakhulumi ngezinzuzo zezempilo zemikhiqizo eqedile, zibiza kakhulu kunezingubo ezenziwe ngemvelo yemvelo. Ziyashesha futhi zihamba kahle, kodwa zibiza kakhulu, kodwa ziyizinto zokudla okungaqondakali.
Ngokwehlukana, kukhona amaswidi, ama-curds, ama-curds ahlukahlukene. Iqukethe ushukela oluningi, kubi kabi kulolu hlobo, futhi ngaphandle kwalokho, kunezithasiselo ezihlukahlukene zokuthuthukisa ukunambitheka. Akukho lutho olucatshangelwayo oluphansi futhi lungcono kunobisi olubiziwe oluvutshiwe kanye ne-cottage shizi evamile, lapha ungafaka ushukela ukunambitha.
Ungalahli isobho. Kuwo wonke umndeni, inkambo yokuqala iyidlo engabizi futhi enomusa. Kudla kabili ngaphezu kwesidlo sesibili. Kudingeka udle izithelo nemifino yonyaka. Ashibhile ngesikhathi sokuvuna. Ngamayonnaise kungcono ukushintshela ukhilimu omuncu, kuyoba nenzuzo kabili yesikhwama nesisu. Kufanelekile ukuthenga imifino emakethe, izinkukhu, inhlanzi kanye nenyama esitolo esitshalweni sokupaka inyama.
Njengoba ukudla kwahlelwa ngaphandle, kusekhona izingubo ezembathweni
Ngokuphathelene namaRussia, imvelo ilahlekile ihlaya elinonya, sinezinkathi ezine zezinkathi, kanti njalo njalo izingubo ziyadingeka. Ebusika, awukwazi ukwenza ngaphandle kwejaji eliphansi nesembatho sombobo, ehlobo ngaphandle kwezimfushane kanye nama-T-shirts.
Kungenzeka ukuxazulula ngokwezomnotho inkinga yokugqoka. Esigqokeni sokugqoka, abesifazane banezinto eziye zaba zikhulu noma ezincane. Zingahanjiswa ezihlotsheni, ungathengisa, uthatha isithombe sento bese ubeka isikhangiso samahhala ephephandabeni. Futhi ikamelo lokulala lilayishwa izingubo futhi kukhona imali encane. Okufanayo kusebenza ezintweni zezingane, nazo zingathengiswa uma zingasadingeki.
Manje sisazi ukuthi senzeni ngezintambo ezincane noma ukuthi singafunda kanjani ukusindisa imali. Kuyadingeka futhi kungasindiswa, into esemqoka akuyona ukuguqula isikhathi sibe ngowesifazane oqinile ohahayo. Udinga ukukhumbula ukuthi uzigawula ezintweni ezincane ukuze uthole ukubonakala okusha okucacile uma uhamba olwandle nomndeni wonke, noma ufuna ukuthenga into enkulu.