Ungenza isikhwama sakho se-wallet, hhayi ukuziphikisa kunoma yini! Sebenzisa kancane ngokuthenga okufanayo! Nazi izindlela ezilula ukuthi cishe awusoli muntu, futhi lokhu kuzokusiza ukugcina kancane ngeholo elincane.
Ukugcina imali ngomsila, kwanele ukwenza izinto ezijwayelekile kancane kancane. Ukunqoba kuleso simo ngasinye kuncane, kodwa, ngokujwayelekile, inani elimangalisayo liyatholakala.
Ngaphambi kokuthenga, qhathanisa amanani.
Ngenxa yalokhu, akudingekile ukuba ugijime kuzo zonke izitolo, vele ungene kwelinye bese ukhetha, isibonelo, imodeli efanele efrijini. Bhala phansi inombolo yomodeli, futhi uthole izinhlinzeko ezishibhile ekhaya nge-intanethi (nje ungazami ukuthengwa eshibhile kunabo bonke, ngokuvamile kuvame ukuhlambalaza). Ungaqhathanisa isethi yemisebenzi kumamodeli ahlukene.
Ukunqoba: 10% noma ngaphezulu kwentengo yokuthenga.
Ibhonasi: yenza umyalo kusayithi - futhi akukho ukunyakaza komzimba: izinto zizolethwa ekhaya ngesikhathi esivumelwaneni.
Vula i-autopilot ebhange lakho.
Buza ibhange ukuthi lidlulise ngokuzenzakalelayo kusuka ku-akhawunti yakho yesamba imali ethile kwidiphozi.
Ukunqoba: kuncike ekutheni unquma kangakanani ukusindisa, ngokuqondile - ama-20% wemali engenayo.
Ibhonasi: i-akhawunti izokhula ngokwayo, uzobona le miphumela.
Uma kwenzeka, qhubeka uhlola.
Kungakapheli amasonto amabili emva kokuthenga. Ngaphansi komthetho "Emalungelo Abathengi" unelungelo lokubuyisela into, noma ngabe akuthandi, nokuthi kukhona into engalungile - ngesikhathi sewaranti. Yiqiniso, ngokwenza kanjalo, kufanele ihlale ingasetshenzisiwe. Isitolo sizokubuyisela kuwe uma iresidi iphephile.
Ukunqoba: izindleko zezinto ezingadingekile kuwe.
Ibhonasi: ayikho ama-blouses alenga ekamelweni iminyaka!
Ukuthenga okungu-100% ngenani lesigamu: uthenge ekuthengiseni.
Lesi yisikhathi esihle kakhulu sokuthenga izipho kubangani ezinyangeni eziyisithupha eziseduze bese wenza isisekelo se-wardrobe yakho.
Ukunqoba: ukusindisa kusuka ku-10 ukuya ku-75% wezindleko zokuthenga.
Ibhonasi: ngesikhathi sokuthengwa okugxilwe kuyo kulula ukukhetha ama-blous ukuze uhambisane nezicathulo esikhwameni: ungathenga konke ngesikhathi esisodwa!
Ungethembi imikhiqizo, kodwa ikhwalithi.
Izitolo ezinkulu zithengisa, ngaphezu kwemikhiqizo ephosa, ngaphansi kwemikhiqizo yazo, futhi eshibhile. Ngekhwalithi yobisi noma ibhotela, lo mmahluko awubonakali!
Yinqoba: ugcine u-10-20% wezindleko zemikhiqizo.
Ibhonasi: musa ukuqhathanisa amathegi wamanani: ama-macaroni eshibhile asho njalo njengezitolo.
Masithathe umhlalaphansi wokuhlanza owomile ngokuthanda umshini wokubhala.
Ukukhetha ukuthi yisiphi isiketi sokuthenga, bheka ilebuli ngamanothi lapho ushiya khona: ingabe ingahlanzwa kumshini wokubhala? Futhi uma zombili izinto zivusa ukuzwelana okufanayo ngawe, zithande styrene. Wonke umthethosivivinywa wokuhlanza owomile ukhulu, yiqiniso, ngeke usho igama. Kodwa uma ingubo ebiza u-100,000 ihlanzekile ekuhlanjululeni okuyishumi izikhathi eziyishumi, cabanga, uyithenge ngezinkulungwane ezingu-200.
Ukunqoba: kusindisa izinkulungwane ezingu-10,000 - 200,000 ezinyangeni ezintathu.
Ibhonasi: ngeke udinga ukuhlanza owomile. Vele uvuselele imoto - futhi akukho nkinga!
Sichitha isikhathi esingaphezu kokuhlehlisa: ngokwesilinganiso sisebenzisa imali engaba ngu-70%. Ukuqhathanisa: Abathengi baseNtshonalanga bachitha u-40% kuphela.
Futhi kunezinkokhelo zamakhadi ezitolo eziningi, kusuka ku-10 kuya ku-15%. Le mali ingagcinwa emvilophini futhi isetshenziswe okuthile okuwusizo kuwe.
Buyisela imali yakho.
Ungabuyela cishe ngo-13% wemali esetshenziselwa ukuqeqeshwa, ukwelashwa noma ukuthengwa kwezindlu. Ibizwa ngokuthi ukukhishwa kwentela. Yiqiniso, le mali ngeke unikezwe ngekheshi. Kungokuthi intela yakho engenayo ngeke isuswe emalini wakho kuze kube yilapho ubhajwa yinani lemali yokudonsa.
Ukuze uyithole, udinga:
Qoqa emtholampilo noma kumadokhumenti enyuvesi ukuze kuhlolwe intela.
Thumela isimemezelo sentela ngokusekelwe emiphumeleni yonyaka. Futhi usebenzise endaweni osebenza kuyo.