Amaphuzu esabelomali
Ukuze imali ihlale iwanele futhi yonke into, udinga ukwakha isabelomali somndeni. Isifundo asinzima kakhulu, ngezinye izikhathi sisithakazelisayo, kodwa okubaluleke kakhulu - siwusizo kakhulu. Ngakho-ke, uneholo. Ulele esesikhwameni sakhe, ejabule ngokuchofoza izikweletu ezintsha, noma ekhadini lebhange - akunandaba. Sithatha konke okutholwe ngokwethembeka futhi siqala ukuhlukanisa.
1. I-postpone 10-15% yabamukeli - lena yimali oyilondolozayo usuku lwemvula, imoto noma uhambo olwandle. Uthi, kakade awunayo iholo elanele, futhi akukho lutho lokukhipha kulo "ngokuhamba kwesikhathi", ungakhathazeki - uma uhlela ngokufanele, kuyoba nemali eyanele, kanye ne-10% ephawulekayo ... Cabanga ngokuhlakanipha: uma imali yakho engenayo ishesha ngokudonsa ngo-10% Ngempela, ungaphila kuma 90% asele? Yebo, ungakwazi. Akukho mholo okungeke kwenzeke ukuthi usiqede ingxenye yeshumi ngokungenangqondo (uma inkokhelo ilingana nokulinganisa okuncane, asiyikucabangela.) Akufanelekile ukuhlehlisa imali engaphezulu kuka-15% yemali engenayo. Uzobamba imodi ye-austerity ngesonto, amabili, mhlawumbe - inyanga Kodwa-ke uzohluleka futhi wehlise konke okuqongelelwe ku-boutique yokuqala.
2. Sibeka emvilophini ehlukile 1-2 i-hryvnia eyizinkulungwane zezindleko eziphoqelekile. Ukhokha njalo ngenyanga inyumbazane, inkulisa, i-intanethi ... Yenza le mali ngokushesha! Uma kusadingeka unikeze imali, kungcono ukuthi ungazithembi ekuqaleni.
3. Sithatha ikhalenda ngesandla bese sibona ukuthi akulindelekile ukuthi ezinsukwini ezingu-30 ezilandelayo zejubile, imishado neminye imikhosi izokwenzeka phakathi kwabahlobo nezihlobo. Ngoba uma kubonisiwe, ngokuqinisekile kuzodingeka uthenge isipho. Sabeka enye imvilophu futhi sibeke eceleni imali, okuyikho, hhayi ukuthi iyisihawu, ngakolunye uhlangothi - akuyona into ehlazo yokuchitha izipho.
4. Bangaki abashiywe khona? 5000? Amabili? Ayinkulungwane? Lokhu kungukusebenzisa kwakho okwamanje, imali oyoyisebenzisa inyanga. Igama eliyisihluthulelo lapha "inyanga." Uma singakhumbuli i-arithmetic eklasini yesibili, uma kungenjalo, sizosiza umbala wokubala, sihlukanise imali esele ngezinsuku ezingu-30. Imali etholakalayo yimalini ejwayelekile yezindleko zakho zansuku zonke. Manje uyazi: ukuze ungaphumeleli kwisabelomali, Yiqiniso, ungasebenzisa okungaphezulu - asiwona ama-robot, kodwa abantu abaphilayo, kodwa ezinsukwini ezimbalwa ezilandelayo kuzodingeka sinciphise izinzanuko zethu "ukubuyela esimisweni."
Ikhishwe ngokuningiliziwe
Kodwa ngokuvamile kwenzeka ukuthi ukusetshenziswa kusetshenziswe, kodwa kusenayo imali eyanele. Siqala ukukhumbula ukuhlukumeza okungalungile. Khumbula amazwi wengoma yabantwana abathokozile: "Uma kukhona ibhodi elincane, amabhodi amabili, kuyoba khona isiteji, nje igama, amagama amabili - kuyoba nengoma"? Nansi lokhu: ukuhlafuna i-gum kuyinto engenangqondo, futhi inqwaba yokuhlafuna i-gum, ushokoledi, amakhukhi nesibhodlela se-soda kakade sekuyi-40- 50 hryvnias.Sinikeza imali izinto ezincane ngaphandle kokucabanga, futhi lapha kukhona okunye okubalulekile umzuzwana wengqondo osebenzayo. Intengo yento encane (ukuhlafuna i-gum, ushokoledi) ibonakala sengathi iyancane kunalokho eqinisweni. Sithenga amafoni omakhalekhukhwini kalula. Futhi izikhathi eziyikhulu ucabanga ngaphambi kokuthenga, isibonelo, n Isifuba esisha se-drawers ekamelweni lokulala - ngendlela, eshibhile kunomakhalekhukhwini.
Nje isifuba sabadwebi - sinjengomunye omkhulu, kodwa ifoni ephathekayo ... Abakhiqizi bayakwazi lesi sici sengqondo futhi bayisebenzise ngempumelelo - uma uthenga into encane, cabanga izikhathi eziyishumi, udinga ukumiswa okusha ifoni Yebo, lapha kulawa ma-hryvnas angu-40-50, okungenzeka ukuthi ungathenga iphakethe lama-diapers, noma amakhilogremu ambalwa wama-apula, noma omagazini abambalwa abahle. Ukuze uqonde ukuthi imali ihamba kuphi, kuzodingeka ulandelele izindleko zakho okungenani inyanga. Ukubuyiselwa esitolo - faka isheke kubaba abakhethekile noma ubhale phansi izindleko zakho encwadini enezincwadi "ngezimali zokuhlala ekhaya." Noma ugcine idayari yezindleko kwenye yezinsiza ze-inthanethi (vele uthayiphe injini yokusesha "i-akhawunti yekhaya" - bese ukhetha isayithi elihle kakhulu kuwe). Ekupheleni kwenyanga, ungabona ukuthi imali yakho engakanani ehamba ekudleni, kungakanani - ekuzijabuliseni, okungakanani - ukuhamba noma ukukhokhela izinsiza. Ukukhathazeka kakhulu.
- Ekuqaleni, ngacabanga ukuthi ngizoyeka lesi sifundo ezinsukwini ezimbalwa, - u-Elena uyakhumbula, unina wezingane ezimbili, - kodwa ngigula kakhulu ngesonto eledlule ngaphambi kokuba mina nomyeni wami sihlale macaroni futhi siphuze itiye ngaphandle kwamakhukhi. Ngangazi ukuthi kwakuyiphutha lami. Futhi nganquma: ngenyanga ngizoqiniseka. Manje sekuyizinyanga eziyisithupha, futhi ngisagcina uhlu lwezindleko. Kwakungumdlalo othakazelisayo kangaka! Ngendlela, kakade ezinsukwini zokuqala ngaqala ukuchitha imali encane: umqondo walokho okwakudingeka kufakwe ezindlebeni zesigqebhezana sepulasitiki esithengwa ngokungahleliwe noma indebe yekhofi esitolo esitolo esikhulu masinya isandla. eselulela isikhwama. Kungani kufanele ngiphuze ikhofi esitolo uma ngisekhaya emizuzwini engu-15? Futhi ngidinga isongo se-30 hryvnia? Ngesikhathi ngiqala ukuhlaziya, ngathola ukuthi ingxenye yengonyama yengeniso isetshenziswe ekuthengeni okungenalutho. Sesivele sifundiswa njalo "Ngifuna ukuthenga." Manje sizama ukuwachazela ukuthi imali ngumkhiqizo wokugcina futhi kubalulekile ukuwachitha ngengqondo.Okuthi, bekungekho izinyembezi, kodwa sihlala. Vumela abafana besencane ukuba bafunde ukusebenzisa imali kangcono , kunabantu abadala abazoqhubeka behamba ngegama elifanayo.
Awekho ozimele!
Kuhle uma imali isetshenzisiwe emndenini "ebumbeni elihlangene." Futhi uma umuntu engumfaki obala, kanti owesibili ngu-skuperdyay? Uma kubalulekile ukuthi umuntu athenge i-blouse entsha njalo ngenyanga, futhi okwesibini, ukugxila okusha kwikhompyutha? ixazululwa kalula - kwanele nje ukuzivumela ukuba uhambe "ngaphesheya kwemingcele yobuhle". Ngitshele, kungani unesikhwama esivamile nomyeni wakho? Akukhathazeki ngawe noma naye. Kodwa lokhu kuvunyelwe, njalo, nyangazonke uyinikeza umholo wakhe (ngenkathi ehamba, uqobo lwakhe ushiya imfihlo eyimfihlo), futhi wena, njengoba uhlele konke ukuchitha, phakathi nenyanga, uhlangana ngokuzumayo ukhonkolo oluqinisiwe: "Ngizothatha i-hryvnia yakho engu-50 - ngosuku lokukhumbula iSan Sanych. "Pho kungani udingida" ibhodlela elivamile "? Vumela ukuba uphile ngendlela elula kuwe!
Isibonelo, ungasungula le nqubo: njalo ngenyanga, umyeni wakho unikeza ingxenye yomholo wakhe wezindleko zomsebenzi womthengi, ukuthengwa kokudla nokusetshenziswa kwezingane (uma, ngokuqinisekile uthenga futhi ukhokhela izikweletu). Zonke ezinye izinkokhelo zakhe zihlala naye. Kodwa manje umyeni ngokwakhe ukhathazekile ngokuthululela uphethiloli emotweni, ukuthenga induku entsha yokudoba noma ukuhlala nabangani ebhasini. Unesandla sakho esiqinile, okungekho muntu ozofuna ngokungazelelwe i-penny. Futhi ungasebenzisa ingxenye yeholo lakho, hhayi ukutshala imali ekuthengeni kwemikhiqizo, kuwe ngokwakho, nganoma iyiphi indlela ubika kumyeni wakho.
Emndenini wabangane bami, izindleko zivame ukuhlukaniswa: umyeni ovela eholo lakhe ukhokhela izikweletu nezambatho, umfazi uyimchitha ngokudla. Ngezinyawo nezindleko ezinkulu, zombili zibeka eceleni inani elifanayo le-akhawunti ehlangene - futhi wonke umuntu uyajabula. Khuluma nomyeni wakho - mhlawumbe iseluleko esisebenzisekayo kakhulu. Nikeza okukhethwa kukho, yilalele. Phela, ukuzwana emndenini kubaluleke kakhulu kunanoma iyiphi imali. Futhi ngeke kube yilapho omunye oshade naye ezwa ukuthi izithakazelo zakhe ziphulwa. "Angikwazi ukuchitha imali ngokwemvelo," wagxeka u-Anna, "futhi ngenza isinqumo: Nginikela umholo wami wonke kumyeni wami. Endleleni eya ekhaya, uvakashela isitolo esikhulu, athenge ukudla. Uyazi kakade lokho engikudingayo ukulungiselela isidlo sakusihlwa. Abangane bami bathi kimi: "Ungaphila kanjani ngaphandle kwemali?" Futhi ngiyajabula kakhulu! Othandekayo wami wangisindisa esidingo sokukhathazeka: sihamba naye esitolo - uyakhokha ama-blouses ami kanye nemikhonto (noma ecasula ukuthenga i-skirt yeshumi), angiholela e-cafe - ngalezi zinsuku ngizizwa nginkosikazi! Okubaluleke kakhulu ukuthi kokubili kukhona ukukhululeka, bese imali isanele njalo kukho konke.