Kunezindlela eziningana zokufunda ukuthi ungagcina kanjani isabelomali somndeni. Ake sicabangele ezinye zazo.
Okokuqala. Ama-envelopes.
Hlukanisa imali ezintweni zezindleko. Thola izivilophu ezimbalwa, lapho ubhala khona "ukudla", "izinsiza zomphakathi", "ukuhamba", "izingane", "izingubo". Kumele kube khona imvilophu "okungafani" kwezindleko ezingenakufakwa ezidlule. Uma uvunyelwe imali engenayo, ungagcina imali "ku-Inviolable Reserve". Ngakho-ke, uthatha imali yokudla kusuka "ekudleni" kwemvilophu, ngamaholidi abantwana, ukukhokhelwa kwemibuthano evela emvilopheni "izingane" nokunye. Ukudlula umkhawulo obekiwe awukhuthazwa. Ezinyangeni ezimbalwa uzobe uqondisa ngokucacile isabelomali somndeni wakho.
Owesibili. Ukuncintisana.
Kwabesifazane besifazane abathile, umoya wokuncintisana ngokwawo ungaba yisisusa esihle sokugcina imali. Imali encane oyichithayo, uzothola ngokwengeziwe. Ukulondolozwa kugcinwa ngokuthenga okukhulu.
Okwesithathu. Ukuthenga kwe-Wholesale
Thenga imikhiqizo yeviki. I-hypermarket zanamuhla zingathenga kalula konke endaweni eyodwa, ngamanani aphansi kunesitolo esiseduze nekhaya lakho. Kubalulekile ukwenza uhlu lwemikhiqizo edingekayo namakhemikhali asekhaya ngaphambi kokuya esitolo. Landela uhlu ngokucophelela.
Ungaphazanyiswa ukupakisha okukhanyayo nezithombe ezinhle. Ukukhuthaza isidingo samakhasimende, ugcina ngokucacile imikhiqizo ebiza kakhulu ezingeni lakho. Ama-analog aphansi, njengombuso, asemahalafini aphansi.
Yiya ku-hypermarket ngesisu esingenalutho ngendlela engavunyelwe ngayo! Izitolo eziningi zinebhaka kanye nekhishi labo. Kusuka kumnandi ovuthayo, ukujikeleza nxazonke kwehholo, ungakwazi "ukugcoba". Ngenxa yalokho, "izinto ezihlelekile" nezingabonakali "ezilimazayo" zivela ebhasikisini.
Enye imfashini yokukhangisa ehlose ukuqinisekisa ukuthi umthengi uthenga okuningi ngangokunokwenzeka kanje. Ama-trolleys amakhasimende "ahamba" azungeze isitolo, ikakhulukazi enza ubukhulu obukhulu. Ngaphandle kokuqonda, silwela ukugcwalisa isikhala esingenalutho ngokuthenga. Ungangeni ekukhangiseni "amanethiwekhi" ahlelwe yi-hypermarket.
Okwesine. Extreme.
Akufanelanga wonke umuntu, kodwa le ndlela inelungelo lokukhona. Okuyinhloko yilezi: 90% wemali engenayo yomndeni wakho uyayibeka etafuleni lokulala. Ngokuba ama-10% asele ahlala ngenyanga, kuze kufike umholo olandelayo. Ngombuso onzima kangaka, siqinisekisa ukuthi ukuhamba ngezinkambo kuncishisiwe. Uzocabangela isikhathi eside ngaphambi kokubeka umkhiqizo olandelayo ebhasikisini. Ukulondoloza okunjalo kuyithinta kabi isimo sengqondo somuntu. Ukwenqaba ngokwakho kuzo zonke izinto, ukungabi khona nethuba lokuziphendulela kuzosondela kuphela kulabo abangenandaba nemikhiqizo "yanamuhla". Indlela eyedlulele yokuhola isabelomali semindeni ifanele kuphela ezimweni ezimbi kakhulu.
Ngonyaka olandelayo, ingabe uyaphupha ukuba neholide olwandle noma ukuvakashela amazwe aseYurophu? Qala ukulondoloza imali namhlanje! I-10% kuphela yomholo wakho, ufake imvilophu, emva kwezinyanga ezingu-10 kuzokuvumela ukuba uchithe iholide lakho lokuphumula. Kubalulekile ukuthi ungasebenzisi noma yiziphi izimali ezibekiwe ngaphansi kwanoma iziphi izimo.
Yiya ekuhlelweni kwesabelomali somndeni ngokushelela. Qala ukusabalalisa izimali kuqala ngesonto, bese kuba ngamabili, amathathu, futhi ekugcineni, ngenyanga. Ungabala izindleko zakho ngosuku. Isibonelo, usuku engingakwazi ukuchitha ama-ruble angaphezu kuka-1 000.
Indlela ekwazi ukuhlela isabelomali semindeni ingabandakanya imithetho nemikhakha ehlukene. Ukuthobela okuqhubekayo, okuyinto, kuyokuvumela ukuba wenze ukuthenga okukhulu futhi ungabala wonke ama-ruble ayikhulu.