Ngamunye wenu uyamangala ukuthi ungayisebenzisa kanjani yonke inkokhelo yakho kwenye ingubo, bese udla okunye okuyizinhlayiya kuze kube yikhokhelo elizayo. Futhi awukwazi ukuthi kungani uhlale uchitha imali kwi-hardware yekhomputha, nakwezingxenye ezintsha. Kulula ukuthi owesifazane azigaqe ekudleni, uzodla kuphela ama-porridges, futhi ngesikhathi esifanayo uzoba nemimoya emihle kakhulu, futhi le nto izohlala kahle futhi ngenxa yalesi sibalo, ngoba unamandla okuziqeqesha ngokudla njalo. Kodwa umuntu ovela emikhuba ekudleni kunzima ukwenqaba, futhi ngaphandle kwenyama abakwazi.
Kumelwe kube nokungqubuzana okunengqondo, ngoba inqubomgomo yezezimali engakwazi ukufunda iyaholela ekudidekeni nasekuhlaselweni. Wonke umuntu, lapho eqala ukuhlala ndawonye, uzama ukuchitha kancane kancane, ebala ukuthi kukhona kakade ama-purss amabili emndenini, kodwa izindleko zanda nakakhulu.
Ngokwezibalo, abesifazane basebenzisa imali ngezingubo, izimonyo, amakha, basebenzisa imali ngezipho ezihlotsheni nabangane, ekuzijabuliseni, ezintweni zokwakha ikhaya elihle. Amadoda angeke aphike ngokwabo ukudla okumnandi futhi atshale imali ezenzweni zabo zokuzilibazisa.
Ukuvimbela le nkinga ekuphendukeni izingxabano kanye nokuhlambalazana, kubalulekile ukuxoxa ngesabelomali somndeni. Kumele kubhalwe ephepheni, njengoba wonke umuntu ebona ukusatshalaliswa kwezimali nezindleko. Bheka ukuthi yini ongayilondoloza, into ngayinye idinga ukucaca ezintweni. Mhlawumbe, othandekayo wakho akakwazi ukuthi imali ihamba kanjani ku-detergents kanye nokuhlanza izingubo zokugeza.
Isibonelo, thatha ukudla nawe ukuze usebenze, kokubili okuwusizo futhi okungabizi.
Thenga izinto ngesikhathi sezaphulelo zonyaka, ekudayiseni. Yenza uhlu kusengaphambili ukuze ungakwazi ukuthenga okuningi. Uma kungenjalo ngeke kube khona imali, futhi uzochitha imali eningi. Khona-ke, lapho ufika ekhaya, uvumela injabulo evamile, uzocubungula izinto ezingadingekile. Letha ucezu lwemali nawe, kodwa kunalokho thatha intombi yakho noma umyeni wakho nawe. Ukuze ungathengi owokuqala, nikeza izihlobo nabangane kusengaphambili izipho.
Nika isikweletu uma ungafuni ukukhokha imali. Ungagcina imali yokuthenga, bese emva kwesikhathi esithile, ungagcina inani elidingekile, futhi ibhange alikhokhi imali ngokweqile.
Uma ufuna ukuthenga into ecacile ngaphezu kwamandla akho, cabanga ngalokho okumele ukwenze. Uma umyeni ephikelela ekuthengeni okubizayo, masivumele ukuthi alungiselele ukudla okungabizi. Zama kanye ngesonto ukuthenga izimpahla zasendlini nokudla ezimakethe ezinkulu, kuphela uye esitolo ukuze uthole okuthile okudingekile.
Uma uhlela isabelomali somndeni, awudingi ukuhlala esikweletini, kuyoba ngcono ukulondoloza kunokuboleka kubangane. Ukuze uphelele, lokhu akusho ukuthi kufanele uzinqabe kukho konke. Izimali kufanele zithathwe uma kwenzeka imali. Kuyinto engacabangi ukuthenga izinto ezisendlini, izingubo zoboya nezindwangu. Amakhredithi asetshenziswa yibo bantu abangakwazi ukugcina imali into edingekayo. Futhi abakwazi ukusindisa, ngoba bahlala ezikweletu zonke izimpilo zabo. Ngakho isiphetho - udinga ukugwema izikweletu.
Ebhange, yenza idiphozi esiphuthumayo. Ukungaziwa kwale akhawunti ukuthi imali ihoxiswa ngesikhathi esithile, isibonelo, izikhathi ezimbili ngonyaka. Kungakhathaliseki ukuthi ulahlekelwa isithakazelo sakho, futhi lokhu kungu-10% ngonyaka. Umnikelo onjalo ungagcwaliswa nganoma yisiphi isikhathi.
Qaphela ngokucophelela imali engenayo yomndeni futhi cishe unqume izinto ezisetshenziswayo. Isibonelo, ingxenye yezindleko izohamba ezidingo zomndeni - izinkokhelo zesevisi, ingxenye - izoya ku-akhawunti ephuthumayo, ngokudla, ukuthenga kwendlu indlu, uphethiloli, izinto zokubhala. Umholo welungu lomndeni wesibili ungavunyelwa ukuthenga imishini, izingubo, ukuzijabulisa (izipho ezihlotsheni, amabhayisikobho, ukuvakashela amathilomu) nezindleko zephaketheni. Ukucabangela izibalo zangempela, izibalo zingalungiswa.
Uma ungeke ukwazi ukuqoqa izimali, bese ulandela ngokucacile uhlelo. Uma unquma ukuthi isigamu somholo kufanele sibekwe ku-akhawunti, ke ungazinikeli noma yikuphi ukuzithokozisa.
Uma ungenayo imali eyanele, futhi amaholo akho amabili abe inani elivamile lokuphila, izidingo zomndeni wakho azihambisani namathuba akho. Nciphisa ukudla kwakho. Akufanele kungena ebhalansi engalungile yesabelomali somndeni. Futhi lokhu kufanele kube: ukutholakala kwezimali ku-akhawunti yasebhange, akukho matyala, ngosuku lokukhokha kufanele kube nesibalo esincane sezindleko zamanje. Ngemvume yobabili bobabili, ukuthengwa okukhulu kakhulu nokuncane kumele kwenziwe. Ngezinye izikhathi umyeni noma umfazi uchitha ingxenye yawo yesibili ekungeneni imali eningi kakhulu. Zibuze, udinga le nto, futhi uvuthiwe, ucabange, awukwazi ukuthenga udoti olungadingekile futhi ulondoloze imali emndenini.
Ingabe kuyadingeka njalo ukugcina imali?
Yiqiniso, ukulondoloza kuhle, kodwa uma udinga ukulondoloza, futhi kwenzeke ukuthi ukusindisa kuyinto encane kangangokuthi umane usho impilo yakho.
Isibonelo, uhlale isikhathi eside kumngani. Indodakazi yesigqila eduze kwesitoreji, akukho ukuthutha, udinga ukuya kwenye indawo ekupheleni kwedolobha. Wanquma ukulondoloza imali futhi ungathathi itekisi. Ngemuva kokuma ihora ekumisekeni, futhi kuqhwa, kufanele uhambe uye endlini. Uyaziqhenya ngokwakho ukuthi usindise imali. Kodwa ekuseni uzobona ukuthi kukhona zonke izimpawu zomkhuhlane, futhi ukuze ungangeni eholidini lokugula, uthola imithi, ngenani elidlula kabili ukukhokhwa kwethekisi. Umphumela - awukwazi ukulala ngokwanele futhi cishe wagula.
Enye imali enjalo. Uhlala ebumnyameni, ufuna ukusindisa, ngoba ugesi ubiza imali. Ebumnyameni ebusika nasekwindla umzimba wethu ubhekene nokuntuleka kokukhanya. Ngokusho kwengqondo, ukukhanya kufanele kufakwe ngalesi sikhathi kucace. Uma usegumbini elibi kakhulu, lizoholela ekucindezelekeni kwonyaka, futhi imali eningi izosetshenziswa ekuphatheni lesi sifo. Ugesi udinga ukusindiswa, kodwa akusho ukuthi udinga ukuhlala ebumnyameni ngenkathi ukwanele ukuvala ukukhanya, akudingeki ukuba ushiye i-TV isebenza. Ngemuva kwakho konke, abantu abaningi bashiya i-TV usuku lonke, ngisho noma kungekho obukayo.
Manje siyakwazi ukuhlela kahle isabelomali somndeni. Wonke umuntu kufanele abe nemali yosuku lwemvula, lokhu yisikhwama sokugcina. Okungenani kanye ngonyaka noma ngezinye izikhathi udinga ukuhlaziya izindleko. Cishe unezinto ezinjalo zezindleko ongenakuzenza ngaphandle, noma udinga ukunciphisa. Kulesi simo, akudingeki ukuba utshale izihlobo zakhe ngesinkwa namanzi. Futhi lokhu kuyadingeka ukuba wazi ukuthi kwenzekani ngemali yakho. Mhlawumbe imali yakho engenayo ayanele, kulabo abathengi ohlela ukukuthenga. Uma uphatha ngokunembile ukuhlelwa kwesabelomali somndeni, khona-ke ungaphila ngaphandle kwezikweletu, futhi ukusindisa okuncane kuzokusiza ukuba uhlele isabelomali somndeni wakho ngendlela efanele.