Kukhona inkulumo ethi: "Imali oyisindisile, uyenzile", futhi empeleni kunjalo, ngoba abantu basebenzisa imali eningi yemali eyengeziwe engaya esabelomali somndeni. Ngezinye izikhathi ukulondoloza kuyadingeka ngempela uma ukukhubazeka okwesikhashana komunye wamalungu emndenini, isidingo sokukhokha imali mboleko noma ukuthengwa kokuqala okukhulu. Ezimweni ezinjalo, ungaletha ekuphileni kwakho imithetho embalwa elula.
Into yokuqala okufanele uyenze ukuhlela isabelomali. Kunezinhlobo ezimbili zesabelomali - izinto ezinethemba lokungathembeki. Isimiso sesabelomali esilindelekile sibonisa izinguquko ezinhle ezenzakalweni zezezimali. Isibonelo, kule nyanga ubala nge-premium, okusho ukuthi isabelomali sakho esinethembayo siyoba umholo kanye nebhonasi. Lokhu kusho ukuthi ekusebenziseni kwakho uzothola kule mali.
Isabelomali esingathandabuzeki sicabanga ngokuphambene nalokho, sinciphisa i-premium empande. Isabelomali sakho esingenangqondo singumholo wakho kuphela. Kodwa uma ucabanga ngakho, okusemqoka kakhulu kumabhajethi yilo, ngoba awukwazi ngempela ukuthola ibhonasi yezimo ezingaphezu kokulawula kwakho. Isabelomali salolu hlobo sizokuvumela ukuba ulondoloze imali engenayo engafinyeleleki, ngoba ekusebenziseni kwakho uzothola imali encane.
Umthetho wesibili, okufanelekile ukungena empilweni yakho, uhambo oluya esitolo noluhlu. Yenza uhlu ngaphambi kokuvakashela esitolo nokuthenga konke okuvela ohlwini. Uma kungekho amakhowe ohlwini lwakho, akufanele abe khona ebhasikisini.
Yiqiniso, kunezigameko. Isibonelo, uhamba ngezinhlanzi zikafry, ulibeke ohlwini futhi ulithenge, kodwa ngokungazelelwe uqaphele ukuthi kwakungekho amafutha e-sunflower asele ekhaya, futhi ngaphandle kwalo awukwazi ukudoba inhlanzi. Kulesi simo, sisebenza ngohlelo "lwempahla + edingekayo". Kuyadingeka, i-soda namaswidi kumele kube kubhasikidi yakho, kuphela uma zikhona ohlwini.
Ukwenza uhlu kukusiza ukuthi uthenge imikhiqizo efanele, ngoba ubona okushiwo ngempela esiqandisini sakho. Ngemuva kwakho konke, uma ubona amaphakheji aqhakazile emashalofini esitolo kanye nephunga elimnandi lezimpahla, uzobe usulungele ukugcwalisa ibhasikidi yakho ngempahla engenakudingeka.
Iphuzu lesithathu lisebenza kuwe. Abanye abantu kufanele balahle ubuvila. Kusisiza kanjani ukulondoloza imali, ubuza? Konke kulula kakhulu.
Abantu baya esitolo esitolo esiseduze, kuyashesha futhi kulula. Nakuba abaningi bayazi ukuthi emigqeni emibili (emgwaqweni olandelayo, eduze komsebenzi noma endleleni eya ekhaya) kukhona isitolo lapho amanani ashibhile khona noma kukhona isitolo esiqinile esakhiweni se-sausage lapho le mikhiqizo eyintandokazi eyimikhiqizo eyinhloko idlala izikhathi eziningana ngeshibhile. Yebo, kungaphezulu kwesitolo esiseduze, futhi sizobuyiselwa emuva ngezikhwama ezigcwele, kodwa sifunda ukugcina, futhi ngaphezu kwalokho sithola imfundo engokomzimba ewusizo emoyeni omusha.
Enye indlela yokubhekana nobuvila ukupheka ekhaya. Kusukela ngalolu suku awuthengi ukudla okwenziwe ngomumo! Khohlwa mayelana nezinsika ezivela e-cookery eliseduzane! Phakamisa imikhono yakho, uthenge inyama enqotshwayo futhi uzimangaze wena kanye nekhaya lakho ngokudla okwenziwe ekhaya. Lokhu kuzokuvumela ukuba ungagcini kuphela, kodwa futhi ukuthuthukisa ikhono lakho lokupheka, futhi ukwandise ukuzethemba.
Ukungabi nesikhathi yisizathu. Uma unakekela ingane - vula inqubo yokupheka ibe ngumdlalo, kanye nengane - kumsizi omkhulu. Uma usebenza okuningi futhi uwela ezinyaweni zakho ekukhathaleni lapho ufika ekhaya, bese wenza amalungiselelo okudla kwasekuseni ekuseni.
Abasebenzi abathandekayo bamahhovisi, manje awudli ku-cafe esiseduze futhi ungahlali nabalingani bakho be-pizza, ngoba upheka ekhaya uphathe isitsha sokudla. Yebo, yebo! Futhi upheke ekhaya i-pizza esiphundu nge-stuffing oyikhonzile. Vumela ozakwabo ukuba baneliswe yi-assortment emenyu bese bekhala ngomthunzi.
Manje umbuzo uvela mayelana nokukhushulwa kanye nezaphulelo. Isibonelo, wangena esitolo ngoluhlu lapho kukhona isithombe. Futhi lapha ukhona, futhi ngisho nasesaphulelo. Uqinile kuphela ongawazi, futhi irayisi ayibukeli njengowokuvamile. Yini okufanele ngiyenze? Yishiye eshalofini, lapho ikhona khona! Ngoba kuyoba ukuhlambalaza ukuthi ukonga ama-ruble angu-10, uthola ilayisi, okuphekwe kakhulu noma akuthandi wena ukunambitheka. Ngaphezu kwalokho, kungenzeka ukuthi uhlehlisela le ilayisi kuze kube izikhathi ezingcono futhi usayithenga okujwayelekile. Uma isaphulelo siya ezintweni osuvele uzame, bese uhlola usuku lokuphelelwa yisikhathi nobuqotho bephakheji, ungayithatha ngesibindi.
Ukwabelana nakho nakho kuyinkimbinkimbi. Isibonelo, udinga i-shampoo, kodwa uma uthatha ibhalsamu ngaphezulu, uzonikezwa amafutha wezinwele njengesipho. Okwamanje - kuhle, yilokho nje i-balm enayo ekhaya ithubhu lonke. Ungathengi izimpahla esitokisini, uma ulondoloza. Ezimweni ezimbi kakhulu, kufanele kube yisipho esikhulu kakhulu, isibonelo, izimpahla ezimbili ngentengo eyodwa, okuyi-50% isaphulelo.
Ngabe-ke ungaba kanjani novelties, eziningi zazo ofuna ukuzama ngazo eziningi? Zama it! Uma, eqinisweni, basendleleni yakho yokuthenga! Kungcono uma kunguphawu lokuhweba oluqinisekisiwe noma umkhiqizo, osuvele usuzwile impendulo enhle.
Into elandelayo oyishoyo ukuthi ukuchitha imali ngempahla evela kumakhathalogi. Ngaphandle kokungabaza, i-nail polish emkhombandlela intombazane ikhanya kakhulu futhi ikhangayo, kodwa ungakhohlwa ukuthi i-varnish yombala ofanayo ingathengwa esitolo esibhekene naso, futhi ngisho nengxenye eshibhile. Ngaphezu kwalokho, ayikho isiqinisekiso sokuthi le mibala maduzane ibe yinto engathandeki kuwe noma ngeke uhlangane nabo. Asilahleli imali!
Uma ujwayele ukhilimu we-tonal ovela kwikhathalogi, ke-ke, uyi-oda. Noma uma umuntu wakho ethanda ukuzwa iphunga lala mimoya ngokukhethekile kuwe, ongayithenga ngokusebenzisa ukumaketha kwenethiwekhi, ungaziphiki. Kumele uzikhandle, kuphela ngaphakathi kwemingcele enengqondo. Khumbula, sithenga kuphela lokho esikudingayo ngempela!
Ukuthenga nge-intanethi kuyadingeka ukwenza ngokucophelela. Ungalali izinto ongaqiniseki ngazo. Lokhu kusebenza ekugqokeni, izicathulo kanye nezinye izinto ezingaba nosayizi. Izintengo eziphansi ezitolo ze-inthanethi zibangelwa ukungabi nendawo yokuthengisa, ngakho-ke uma uzothenga, isibonelo, ifoni ebiza ama-ruble angaphansi kuka-500 ku-intanethi, khona-ke lokhu kunengqondo. Phela, usuvele ujwayele ukusebenza kwalolu foni, akufani nalokho okuboniswa kwisitolo esikhethekile. Sabeka ama-ruble angu-500 kumabhajethi womndeni.
Omunye wemithetho ebalulekile yomnotho: awusathathi futhi unganiki imali esikweletini. Lokhu akukona ngamaruble amabili, okwakungenakwanele kumngane kumshini ngekhofi, nangama-ruble angaphezu kwangu-100. Ukwenqaba akukho lutho oluhlambalaza, noma nganoma iyiphi indlela ukuphulwa kwesithunzi sakho. Kungokuthi manje unomthetho omusha manje. Lithinta bonke abantu. Ushintsha impilo yakho. Ekugcineni, mhlawumbe kuyodingeka uzilimaze ngandlela-thile, ukuboleka umakhelwane wakho imali. Kufanele ubambelele kule ndawo yezinto zonke-akukho lutho, futhi abantu bazoyeka ukucela ukuthi uziboleke.
Lezi zeluleko zizokusiza ukuthi ungagcini kuphela isabelomali somndeni wakho, kodwa futhi ushintshe impilo yakho. Kubonakala sengathi kungenzeka yini ukugcina okuningi kulo mithetho? Inzuzo yangempela ongayibala, uma ulinganisela, futhi kangcono ubhale phansi ukuthi yini ofuna ukuyithenga. Futhi ngokuqinisekile uzoyithengela, uma ubungenayo lezi zincomo. Into esemqoka ukukhumbula njalo ukuthi i-penny ivikela i-ruble.