Uma ukhathele ukuboleka "okuyishumi" kwezinkwa ngosuku olungaphambi kweholo lakho, uma udinga ukwenza ukulungisa izimonyo noma ukubuyisela into ehlulekile, kodwa awukwazi ukulondoloza ukuthengwa okukhulu - buka isipiliyoni sokuphathwa kwesabelomali somuntu bese uzama wena ngokwakho. Indlela yokusabalalisa kahle isabelomali semindeni - kungcono kuwe, kodwa kunamamodeli akhiwe ngomumo osebenza kahle. Enye yezinto eziningi, ezivivinyelwe kakade, ngokuqinisekile kuzokulandela. Futhi ungahlushwa ukungabaza, "kuyadingeka noma akudingekile ukugcina isabelomali". Uma ufuna ukulawula lapho imali yakho eyinkimbinkimbi ehamba khona (futhi ayikho enye imali), kuzodingeka ukhombise isiyalo esincane futhi wenze umzamo omncane. Kodwa emva kwakho konke, ukubuyela kuka 101% wemali yabo kuyinto efanelekayo?
Izindlela zokwabiwa kwemali
Imali yangena endlini. Futhi-ke? "Eqanda", ebekwa ngaphambilini ukuhamba, ukudla nezindleko ezincane, futhi kakade uyisusa lapho? Noma ukuthi uzovela kanjani? Ubani ophethe izimali endlini? Kodwa ingabe uthola okungaphezulu izidingo zakhe? Ake sizame ukungxabano, sicabange ukuthi ngubani olawula imali, ngoba kukhona okukhethwa njalo. Ikakhulukazi emindenini lapho umyeni nomfazi banelungelo lokulahla amaholo abo: banezindlela ezintathu zokuvumelana ngemali ehlangene.
Kulungile kanjani ukusakaza isabelomali somndeni? Nakhu okukhethwa kuqala : "indlela enye ibhasikidi", isb. zonke izindlela, kungakhathaliseki ukuthi ubani, nini futhi ngamuphi umgomo abawutholile, bahlangene. Kuvela "I-Our", lapho imali ithathwa khona ukuthengwa okuncane, nokuthengwa okukhulu, ukudla, ukuhamba, abafundisi, izifundo, njalonjalo.
Yilokho okufakazwa emndenini wethu. Ngendlela, sazisa le ndlela kuphela ngemuva kwezinyanga eziyisithupha zokusetshenziswa. Ekuqaleni kwakungathandeki kakhulu ukucacisa "Futhi usebenzise kangaki namuhla ukudla kwasekuseni, othandekayo?" Kwakuzwakala sengathi kwakungalungile, njengokungathi ubheka emlonyeni wakho ... Kodwa akukho lutho, uke wajwayele ukubuza imibuzo, futhi ungaxabisani, siya esitolo ndawonye, futhi isikhathi eside angizange ngigqoke "ama-knapsacks" asindayo.
- Izinzuzo: ukucaciswa kwesabelomali somndeni, ikhono lokuqonda ukuthi ungalindela kangakanani, ukuthembela okukhulu, umbono womndeni wonke.
- Umqambi: ukuhlela okungenzeka kokubili kokubili, ukuxabana nokuxabana, onokuthola izinzuzo eziningi ("yebo imoto yakho! .." "futhi usezigqebeni zakho ...").
Owesibini yiyona "indlela yamabhasikidi amabili", afaneleka kakhulu emindenini "yokulinga", "imishado yomshado" kanye nobuhlobo obuyinkimbinkimbi, lapho kungekho sidingo sokuthembela ngokuphelele kanye nesabelomali esicacile. Kulesi simo, kukhona "yakho" ne "yami", futhi ngayinye yalezo ezitholile, ukhokha ingxenye ehambisanayo yenkokhelo yefulethi, unikezela inani lokudla, futhi uzikhokhele izidingo zayo ephaketheni lakhe.
Le ndlela ibuye "ikhululwe". Uma umndeni unabantwana, lona wesifazane uncike ngandlela-thile kulendoda, futhi uma eqhathaniswa naye, uthola okuningi kaningi. Noma uma umehluko womphakathi ukhulu kakhulu - isibonelo, "umfundi ungumabhizinisi". Ukuphulwa kwezinto ezithintekayo kuyoba nguye, futhi uzothola "ukuqala kwekhanda" nethuba lokuchitha ngokungenacala ... injabulo. Lolu khetho lufanele kuphela owesifazane ocebile (futhi ophethwe) ofuna ukuzivikela e-gigolo, noma indoda edinga inkululeko ethile.
- Izinzuzo: ithuba lokwenza umsebenzi omningi futhi ukuze uthole injabulo eyengeziwe kwimali engenayo, izipho ezihlaba umxhwele "othandekayo" wakho othandekayo owaziyo ngekhono lomlingani wezezimali.
- I-Cons: izimpikiswano ezingenzeka kule "ngxenye", ukungathembi, ezimweni zokuxabana, izindlela zokuphatha (esikhundleni sokuxazulula impikiswano) zibe "ukuhlanganiswa" ngekhekhe endlini yokugezela nangobungqingili "Ngiyakwazi, futhi awukwazi."
Okwesithathu: njengoba usuqagele kakade, indlela yamabhasikiki amathathu angasiza ukusabalalisa kahle isabelomali somndeni, lapho amalungu omndeni enza inani elinqunyiwe elibavumela ukuba baphile ngaphandle kokulamba noma ukuzivimbela ngokwabo. Konke okutholiwe "ngokweqile" kwalesi samba, wonke umuntu ukhululekile ukuchitha ngokuhlakanipha kwakhe.
Le ndlela inhle kulabo abanesidingo esithile somqondo wokuthi "ukuphila okuhle" emndenini. Omunye udinga nje into entsha, kodwa omunye udinga ingubo yezimvu zase-Italy - ngakho kungani kufanele siphikisana ngalokhu? Isabelomali sihlinzeka ngemali encane yokugqoka, uma ufuna - engeza imali "emalini" yakho!« Amabhasikidi ngamaphothi»
Futhi uma ngisho amabhasikithi amathathu angasizi? Kulungile kanjani ukusabalalisa isabelomali somndeni kulokhu? Ngakho-ke, ngaphezu "kwamabhakethi" kuzodingeka angene ekuphileni kwansuku zonke futhi "amaphakethe". Igama lingcono kunemibandela, futhi isimiso silula: ukucacisa ngokucacile izinto ezisebenzisayo. Isibonelo, sifake imali ethile "ebhodini elijwayelekile". Manje kungaba kuhle ukucacisa ukuthi kungakanani okuzoya efonini, izinsiza, ukuqasha, nokuthi kungakanani - ngokudla (ngenyanga futhi, ngokufanele, ngosuku). Uma ukhuluma ngokucacile, izinkathazo ezincane ozothola lapho usebenzisa le mali.
Kodwa kanjani ngokufanelekile ukwabela isabelomali semindeni "emaphaketheni"? Ngakho, njengoba ufuna! Ukuze wenze lokhu, i-albhamu yesithombe esincane noma i-notebook enezimpendulo ezifakiwe zizofanelana, lapho ikhasi ngalinye liphawulwe futhi lisayinwe khona. Ngandlela-thile, indoda eyodwa, eyayingafuni ukuhlukana nejacket endala, ihlanganise izikhwama eziningi ezinqolobaneni ezinjalo zemali. Ngakho-ke, ake sibone ... Yebo, sekuyisikhathi sokukhokha iselula - sithatha kule pocket, futhi kuphela kusuka ku-IT. Ekuqaleni kuyoba nzima, ungase uhlushwe isifiso esinamandla sokukhuphukela esikhwameni esiseduze (enye into ebiza ngayo) nokuthi "ukunikeza imali", ukuthenga okuthile "ngaphansi kwemizwa." Kodwa kungcono ukuzivimbela wena - ngokushesha uzothola umkhuba owusizo wokuhlela ngokunembile izindleko, ezingeke ziphazamise.
Zama ukusebenzisa lolu hlelo "lwephakethe" ku "basketball" yakho. Ngingazi ukuthi kungakanani nokuthi yini ofuna ukuyisebenzisa, ungathola ekupheleni kwenyanga ukungabi nalutho okungajabulisi emaphaketheni akho - ukuthengwa kokugcina komagazini bezemfashini "ngokungalindelekile" kukubiza imali enhle - uzokwenzenjani ngaleso sikhathi? Zithobe futhi ubuze oshade naye, abazali, ukuboleka kumakhelwane, noma ngokushesha ufunde ukulindela ukuchitha kusengaphambili?