Amathiphu okusindisa imali


Asazi ukuthi singalondoloza kanjani imali. Lokhu kuyiqiniso. Ukuphila ngesikweletu kubonakala sengathi kuyindlela ehle kakhulu yokuphila, noma kunjalo, inkinga yezezimali yenza izinguquko zayo endleleni yethu yokuphila evamile. Ngakho-ke, yini okufanele uyenze uma into kuphela oyilindele ukuthi uyiholo lakho. Lapha iseluleko esiwusizo kakhulu sokulondoloza imali kuzobe sekucacile ...

Indlela elula, eqinisweni, ilula ukunciphisa izindleko, uyeke ukuchitha imali ezembathweni nasekuzijabuliseni. Kodwa abathengi nezokusebenza kwengqondo bayavuma ukuthi lokhu akuyona inketho. Ngokushesha uzoziqhaqhazela bese uchitha yonke imali eqoqiwe kuyo zonke izinhlobo zezinsizi. Kungcono ukungashiyi isimiso esivamile, kodwa zama ukushintsha kancane.

Izimali ziya kuphi?

Ukuphendula lo mbuzo, ungaqonda ukuthi yini ngempela eyenza ukuthi uchithe imali eningi kangaka. Ukuze kube lula, siphula izindleko zethu zibe yizigaba futhi sithole ezinye izindlela ongakhetha ngazo.

UKUDLA

✓Ukuthengwa kwemikhiqizo (kanye ngesonto ohlwini / ukuthenga kwansuku zonke)

✓ isidlo nesidlo ngaphandle kwendlu (restaurant / igumbi lokudlela)

Okunye: okungenani ngezinye izikhathi kufanele sikhumbule isiko esidala sokuhlehlisa izinsuku. Zibekele umthetho: izikhathi ezimbili ngesonto ongahambi nawo wonke umuntu endaweni yokudlela noma i-cafe eliseduze, kodwa, isibonelo, ulethe ukudla ekhaya noma uhlale ku-kefir.

UKUTHUTHUKISWA, UKUTHUTHUKANA NOKUTHUTHA

✓Ukukhokhelwa kwemithetho ekhokhelwa indlu kanye nabanye

✓Izintela (zefulethini, imoto, njll)

✓ Ukuthuthwa komphakathi (ukuthenga amathikithi / ukuthenga ithikithi yenyanga)

✓Usekela imoto

✓ Ifoni ephathekayo ne-intanethi

Okunye okulandelayo: landela amanani asevisi (khetha ukonga kakhulu), kanye nezinsiza zabahlinzeki be-intanethi nezinkampani eziselula. Abanye bethu, ngenxa yobuningi nokungazi, bebehlezi emithethweni yeminyaka, esivele engekho ngokomthetho, futhi abasebenzisi bayo basuke benokuthula, ngaphandle komsindo, bahunyushwe kube yizikhathi zanamuhla, hhayi ezinenzuzo kakhulu. Ungasebenzisi iziteshi zegesi zengozi: thola eyodwa futhi uphethiloli wawulungile, futhi intengo iyamukeleka. Ngaphezu kwalokho, kuvame ukuhamba.

IMPILO NOKUFAKA

✓ Imithi kanye nokwelapha okukhokhelwayo

✓ Ukuthenga isethi eyisisekelo sezingubo nezesekeli

✓Thuthukisa ikhabethe lakho

✓Cosmetologist

✓Isikhungo sokuzizwa

✓ Ama-studio ezemidlalo (ukudansa, yoga, njll)

✓AmaSalons of beauty

Okunye okunye: izinqubo eziningi ze-salon zingashintshwa ngokuphumelelayo yizilinganiso zasendlini. Uma ukwesaba ukwenza noma ukuzishaya, okungenani ushintshe ubuhle bakho salon kuya kwesabelomali ngaphezulu. Ngaphezu kwalokho, kuma-salon amaningi, kunezinsuku lapho kungenasiphelo ukusika izinwele zakho noma ukwenza isitayela (noma kunjalo, umfundi we-master). Okufanayo kuya kuma-studio ezemidlalo. Uma ungakakulungeli ukuya kwimodi yokuqeqeshwa ekhaya yamateyipu wevidiyo, zama ukuthola iqembu eliphansi.

ENTERTAINMENT

✓AmaKilabhu kanye nokudla

✓Ithebula ne-cinema

✓Izinkambiso nemibukiso

✓Kuhle

Okunye okunye: esikhundleni sokuhamba ngezinyawo ezindaweni zokudla namaqembu kanye nemibuthano yasekhaya. Ngendlela, lokhu manje kuyindlela yokufashisa emhlabeni jikelele. Futhi-ke, akufanele sikhohlwe ngezikhathi ezishibhile zesimanje kubhayisikobho, imibukiso yamahhala nesabelomali amahotela amathathu-star, izinkambo zebhasi nezinkambo ezivuthayo.

IMFUNDO

✓Izikhungo zokukhokha kanye nezifundo

✓Ukufundisa izingane

✓Izifundo kanye nabafundisi

✓ Izincwadi (fiction / izincwadi / omagazini)

Okuhlukile: uma uthola imfundo ukuze wandise ulwazi lwakho, futhi ungafaki enye "uqweqwe" eshalofini, ungafunda kalula wena ngokwakho. Namuhla, kwi-Intanethi, ungathola izinto kuzo zonke izihloko nokuziphatha ngaphandle kobafundisi. Ngokuqondene nezincwadi, omagazini namaphephandaba, kanye namafilimu nomculo, zingalandwa kwi-intanethi noma ziqashiwe kusukela emitatsheni yamabhuku, amabilabhu wevidiyo nabangani. Okudumile phakathi nenkinga kufanele kube ukunyakaza "ukubhuka ngezincwadi" (ukuhambisa izincwadi): abahlanganyeli bayo, ngemva kokufunda le ncwadi, bayishiye endaweni ebonakalayo, futhi noma ubani angayithatha.

Sifuna imali "yamahhala"

Abanye bethu abafuni ukulandela lezi zeluleko eziwusizo zokulondoloza imali. Yiqiniso, akekho ofuna ukuyeka "impilo enhle". Ngakho-ke, kungcono ukubukeza lo mqondo. Manje kuzodingeka senze imizamo yokuqinisekisa ukuthi izinga lokuphila kwethu alishintshi kakhulu.

AMAKHONI: KUKHULU OKUFANELE, KUKHULU

Kuyoba yini okubi uma ushokoledi, candy, amaqebelengwane, amakhukhi, ama-chips, ama-crackers, ukudla okusemathinini, amasaladi ekuphekeni ayanyamalala ohlwini lwakho lwemikhiqizo ejwayelekile? Ngaphezu kwalokho, unganciphisa inani lemikhiqizo ethengwe. Abaningi bethu badla okuningi kunokuba umzimba udinga, uma siqhathanisa inani lokudla kanye nenani lamakholori asetshenzisiwe.

FUNDA NGAYO

Mhlawumbe ukuthenga imikhiqizo engaphenduliwe kusindisa isikhathi sakho, kodwa kuzo zonke lezi "zokugezela" zaseplastiki zigcinwe izinto ezingaziwa ukuthi lokhu kuzothinta kanjani impilo yomndeni wakho. Thenga imikhiqizo eshibhile (amazambane, iklabishi, izaqathe, njll) bese upheka ukudla ngokwakho. Futhi nge-dessert ungabhaka ama-pie-charlottes ngokushesha kusuka emajikijolo amaqhwa nezithelo ezishibhile zonyaka.

IMITHETHO YOKUTHUTHA

Ukuze ungathengi izinto eziningi ezingadingekile esitolo, kwanele ukukhumbula imiyalo eminingana.

• Ungahambi ezitolo nje ngenxa yelukuluku.

• Khetha isitolo esiphezulu seMnyango (hypermarket), lapho cishe yonke into ithengiswa khona.

• Ukuthenga imikhiqizo eminingi egcinwe isikhathi eside.

• Amazambane, izaqathe, ama-beet, ama-pickle kanye nama-jams kufanele athengwe ngobuningi ngamanani angcono kakhulu (ungagcina imifino emiphongolweni ekhishini noma endaweni ehlelekile ngokuyikho emkhathini, njll).

• Vakashela esitolo, uqale wenze uhlu lwalokho ozokuthenga khona: lokhu kungakapheli isonto, bhala yonke into ephepheni elikhethekile.

• Ungenzi ukuthengwa okukhulu ngaphandle kokulungiselela - ngesisekelo sokukhangisa noma ngesimiso sokuthi "uphendukele ingalo". Ngaphambi kokuthenga into ebiza kakhulu (i-vacuum cleaner, ikhamera, i-sofa, njll), yenza inhlolovo kwi-intanethi - thola futhi uqhathanise amanani, hlola amaforamu mayelana nekhwalithi yamamodeli ahlukene, hamba emakethe ye-elekthronikhi.

Ukulawula okuphelele

Njengoba wazi, imali, uma ukuchitha kungalawulwa, inendawo 'yokuhamba ngezinyoni.' Ngokuvamile lokhu kwenzeka nje ngenxa yokuziqhenya kwethu nokungaqiniseki kwethu.

YENZA UMUNTU "UKUSEBENZA"

Uke wahleka njalo ugogo obeka imali "ebhokisini"? Manje kukhona ithuba lokuthi bazokuhleka! Ngaphandle kwalokho, uthola umkhuba owusizo wokonga u-10% wemholo wakho.

NGAMANYE I-ACCOUNTANT

Ukuze ube nemali enhle emndenini wakho, kudingeka uhlaziye imali engenayo kanye nezindleko, kanye nokuhlela kwabo (njengabalingisi bezenhlalakahle emsebenzini). Ungakwazi, uthathe ucezu lwephepha (noma incwadi yenqolobane) ngendlela endala bese uqala ukubhala phansi izinsika zezinombolo kuwo, kodwa namuhla kunendlela engcono kakhulu: izinhlelo ezithuthukisiwe nezinhlelo zokufaka ikhompuyutha ezivela kwichungechunge le "Home Accounting". Ngokuvamile zenzelwe umsebenzisi ojwayelekile: vele ufake konke idatha edingekayo, futhi uhlelo lukunika lonke ulwazi ngokwalo. Ukuthokozela ukuthi zonke izimpahla namanani angeniswe ku-database (ngemali oyidingayo) esikhathini esizayo, uma uphuza ezindaweni ezifanayo, uzodinga kuphela ukufaka ubuningi bezimpahla. Kukhona okulula kakhulu ukubhala nokuphrinta uhlu lwemikhiqizo kanye ne-trivia yasendlini. Ungakhohlwa: imali kufanele iphathwe ngokucophelela!

Ama-tweaks amancane asisiza ukulondoloza imali

✓Kwakha ibhange lesaphulelo amakhadi nabalingani bakho - ngakho-ke uzokwandisa kakhulu izindawo lapho ungathola khona izaphulelo nezinzuzo.

✓Sebenzisa isofthiwe yamahhala. Linux esikhundleni se-Windows, Vula ihhovisi esikhundleni se-Microsoft office, njll. Cishe zonke izinhlelo zinezilinganiso zamahhala, cishe okungezansi ekusebenzeni.

✓ Hlala uhlola amakhredithi kanye namakhadididi - angakhonza kahle.

✓Setha izibalo emanzini, sebenzisa izibani zokulondoloza amandla futhi wenze njalo

ukulungiswa okuncane endlini (ngaphandle kwalokho kufanele uchithe imali enkulu).

✓Setha uhlelo lwe-Skipe yamahhala kwikhompyutha yakho bese ulondoloza kubanga elide namakholi angaphandle.