Lapho izimali ziwela, kufanele uchithe imali yokudla nokugqoka, izikweletu zikhula njengeqhwa, futhi kubonakala sengathi ayikho indlela yokuphuma kule simo. Kuyenzeka ngenye indlela nxazonke: uthola ukuphakanyiswa, umholo wakho uphindwe kabili, manje kubonakala sengathi ungakwazi ukukhokhela lokho oye waphupha, kodwa ... Imali ibonakala ikhuphuka - futhi ngezinye izikhathi uboleka futhi, njengezikhathi ezindala "ezimbi" .
Ungaba kanjani? Ngokushintshashintsha okubukhali kwimali engenayo ngenye indlela, qaphela imithetho eminingana, futhi uzohlala ukhululekile ekuphileni.
Khumbula: i-akhawunti yemali iyathandwa
Unyuke ngokuqinile? Yamukela ukuhalalisela kanye neseluleko: ungasheshi ngemali ngenjabulo.
Ungathengi izinto ngokungacabangi, ngaphansi "kwemizwa", ngoba nje uyakwazi ukuyikhokhela. Kufanelekile ukuthenga izingubo noma izicathulo abahlela ukuzithenga ngaphambili, ngaphambi kokwandisa imali.
Kubalulekile ukujwayele imali entsha: umholo uhlukaniswe waba izingxenye ezimbili: inani eliza kuwe ngaphambi kokunyuka kwemali kanye neyengeziwe. Zonke izindleko ezidingekayo: ngokuhamba, ukudla, izinsiza, ukukhokhelwa ngemali mboleko kwenziwa kusukela emalini "endala". Futhi nge-kwalokho kuyinto efiselekayo yokwenza lokhu: faka ebhange ngamaphesenti aphezulu. Lokhu kuzokuvumela ukuba uqoqe imali enkulu emva kwesikhathi.
Ungasebenzisa imali esitokisini esisha noma efonini ehlonishwayo - ukuze "uhlangabezane" nokuthunyelwe okusha. Le nkunkuma iqondakala kahle: ngokuqinisa udumo lwakho, ukubeka isisekelo sokukhula komsebenzi okuqhubekayo, ukudluliselwa kwisisekelo sosizo noma ukusiza abangane nezihlobo ezidinga usizo lwezezimali.
Qaphela ngokucophelela amandla abo. Ungabonisi ukuthi ucebile kanjani. Ungathengi isixuku sezinto "zesimo". Kusukela ekubukeni kokusebenza, akuzona kangcono kunokujwayelekile, kubiza kakhulu.
Ungaguquki ebuhlotsheni nabanye. Siyabonga abangane bakho. Wonke umuntu uyazi ukuthi imali ichitha umlingiswa wabantu. Ungacabangi ngawe ngaleyo ndlela. Ungathathi izikweletu ezintsha ngaphandle kokukhokha. Kubonakala kuwe ukuthi manje ungakwazi ukukhokhela noma yikuphi isikweletu, kodwa ukuvuselela kungakhohlisa - kulula ukubala amandla akho wezezimali.
Ungayisebenzisi yonke imali yakho kanyekanye. Londoloza imali ethile. Bhala njalo phansi zonke izindleko zakho, futhi ngezikhathi ezithile uphinde ufunde amarekhodi akho - lokhu kuzokusiza ukuba uqaphele ukuthi yini eyasusa ama-waste. Kusukela kubo esikhathini esizayo ungenqaba.
Ilondoloza ngezinzuzo zezempilo
Iyini inkathazo yezezimali emhlabeni wonke, abaningi baye bafunda ngokwabo: othile wanqatshelwe umholo wakhe, omunye umuntu - waze waxoshwa. Kubalulekile ukunciphisa izindleko - sizoqonda ukuthi singayenza kanjani ngokufanele.
Ngokwamukelwa kwamanye emisha kwisabelomali semindeni, thola ukuthi kufanele ukhulise lesi sini isikhathi. Okokuqala, imali kufanele ibhekane nokubaluleke kakhulu: ukudla, ukuqasha, izinkokhelo kumalimboleko. Yeka ukuthenga izingubo ezintsha, vakashela i-beautician, amathikithi abizayo enkundleni yaseshashalazini, iya kuma-movie nokunye-ngokuqinisekile unezinye izinto zezindleko, ngaphandle kwalokho ongakwenza ngaphandle kwakho. Thola inothi lapho ubhala yonke imfucuza. Lo mkhuba uzokusiza ugcine imali engama-30% wemali yakho!
Ungathengi izinto ngesikweletu. Kuyinto engenangqondo kakhulu uma ungazi ukuthi imali yakho iyoba yini ngesonto noma ngenyanga.
Kungcono ukuhlehlisa ukuthenga . Ngendlela, ukunciphisa izindleko, ungadluleli - ungahlali ngesinkwa namanzi. Ungagcina ngemikhiqizo enezinzuzo zezempilo: izinhlanzi ezihlotshisiwe ezidliwayo, izinhlobo ezibizayo zesoseji, i-confectionery, amanye amaswidi, kusuka kubhiya kanye neminye imimoya. Funa umsebenzi omuhle okhethekile, kodwa ungayeki nanoma yimaphi amathuba okuthola imali eyengeziwe. Ngenzuzo yokuchitha isikhathi samahhala, okwamanje ungenza lokho okwakuhlehlisiwe isikhathi eside: ukuxuba izinto ezithombeni, ukubonisa ingane kudokotela ochwepheshe, ukuvakashela izihlobo.
Khuluma nabantwana , bachazele ukuthi yini inkinga futhi kungani kufanele ulondoloze. Xoxa ngesimo samanje samanje emkhandlwini womndeni: sivivinye impilo, futhi sinquma ukushiya okuthile manje. Cishe, izingane zizolalela amazwi akho.
Futhi ungabheki njengesihlungu kakhulu esimweni! Kholwa, kunoma yiziphi izimo ungathola into yokujabula. Ungakhohlwa mayelana nokunye okunye: khumbula, isibonelo, amabhuku awusenaso sonke isikhathi.
Izihloko ezintathu zomnotho
Izingcingo zomhlaba jikelele: ngokufaka uhlelo lwe-Skype kwikhompyutheni yakho, ungakhuluma nezihlobo zakwamanye amazwe futhi ukhokhele kuphela i-intanethi.
Ukuxhumana kwefoni: ukutadisha ngokucophelela amanani amasha omqhubi. Mhlawumbe umthamo wakho wendabuko omdala "udla" okungaphezu kwalokho ongayisebenzisa, ukushintshela okusha.
Ukuphumula: ngemuva kokuchitha isikhathi esithile ukucinga ihostele noma indawo yokuhlala engabizi, uzothatha imali encane kunaleyo ehhotela.