Ingabe ingane kufanele ibe nezindleko zomuntu siqu? Msize aqonde izinto eziyisisekelo zokufunda ngezezimali!
Mhlawumbe, okokuqala ngqá emhlabeni wezimali ingane ihlangana lapho iya ekilasini lokuqala: ukuthengwa kwezincwadi zezifundo, izimpahla zehhovisi. Ukudla kwezikole, ukukhokhelwa kokuhamba ezokuthutha zomphakathi nokunye. Abazali abaningi bayaqinisekisa: kusukela kulo nyaka baqala ukunikeza ezinye izinzalo ezinganeni zabo. Futhi kunengqondo, izazi zengqondo zithi: ngaphandle kokuthola imali yomuntu siqu, ingane yakho ngeke ifunde indlela yokuphatha imali. Kungakanani ukunikeza futhi kaningi kangakanani, kuxhomeke emakhono akho okusebenza, ubudala kanye nokuqonda kwengane yakho. Mchaze ukuthi imali ayibonakali ngaphandle, kodwa ithola ngemisebenzi. Ukuqaphela lokhu, lo mfana osemali uzobe esengcono kakhulu.
Waba njengomuntu omdala.
Imali ye-pocket yisinyathelo esisodwa esengeziwe endleleni eya ekuzimele nasekuzibopheleleni kwenzalo yakho. Kancane kancane ingane izofunda:
1. Nika imali yokugcina imali, uhlele izindleko ezinkulu nezincane.
2. Ukuhlonipha imali, qaphela ngokwengeziwe futhi ukhathazeke.
Vumela ingane ikwazi ukuphatha imali yakhe. Ngendlela enza ngayo, uzobona ukuthi ungumuntu ojulile nokuthi uyazi kanjani, futhi uzothola ukuthi unesithakazelo ngempela.
Esimweni sokufihla.
Khuluma nenzalo yakho mayelana nokuthi udinga ukuqaphela kakhulu ngemali. Akukho okulandelayo okuzovunyelwa okulandelayo:
1. Bonisa izikweletu kubantu abangabazi, kuhlanganise nabafunda nabo.
2. Shiya imali ephaketheni lejazi, elisekwe ekamelweni lokungena.
3. Phatha nawe imali ekhishwe isonto, noma ngisho nenyanga.
4. Ukunikeza noma ukuboleka.
5. Udoti noma ukudlala ngemali.
E-cinema, chips, ice cream.
Imali yokuqala yepokhethi ingane yakho ingahle ibuyele phansi esikhwameni esiseduze. Ungammangazi. Xoxa ukuthi kwenzekani nokuthi kungakanani ukubiza imali ekhishwe. Qinisekisa ukuthi unesithakazelo ekuthengeni ingane yakho, unikele iseluleko, kodwa ungaceli umbiko wezindleko. Ngaphandle kokwethenjwa ngenye ingxenye yakho, incazelo yokuqeqeshwa iyancishiswa. Fundisa ingane ukuba ibeke umgomo. Uma ephupha nge-roller noma ngebhayisikili, makenze umkhawulo wokuchitha imali kwi-chips ne-ayisikhilimu. Ngithembise, uma, ngithi, ehlobo uqoqa ingxenye, yonke into, uzoyengeza.
Isikweletu sokwethenjwa.
Isihloko semali siyinkimbinkimbi kakhulu. Gcina emithethweni eyisithupha ebalulekile eyokusiza ukwakha inqubomgomo yemali efanele yengane yakho.
1. Khipha imali ephaketheni njalo (isibonelo, kanye ngesonto).
2. Inani lemali ye-pocket akufanele libe lincane kakhulu, kepha hhayi elikhulu - akusilo okuhle ukunikeza okuningi.
3. Kuyinto efiselekayo ukunikeza njalo inani elilinganayo, elingakhuliswa njengoba inzalo ikhula, isibonelo, njalo ngosuku lokuzalwa.
4. Ungasebenzisi imali ephaketheni njengendlela yokuxhaphaza: ungahambisani nokudilizwa kwabo ngokuya kokuziphatha nokuhlolwa futhi ungaqedi ukujeziswa.
5. Ukwandisa ububanzi benzalo: ngokunikeza imali, ugcizelela ukuthi uyumuntu omdala, futhi umuntu omdala uyakwazi ukuphendula ngezinto eziningi.
6. Imali ye-Pocket akufanele ibe yinkokhelo yamamaki amahle, ukuziphatha okuyisibonelo noma usizo lwasekhaya. Uma kungenjalo, umlandeli we-savvy angabuyisa ubuhlobo bakho naye ebhizinisini lebhizinisi, wenqaba ukwenza noma yini mahhala.
Kudingeka ngumthetho.
E-United States, ubukhulu besikhwama semali buboshwe ekupheleni kweminyaka yengane: abaneminyaka engu-6 banikezwa u-$ 6 ngesonto, abaneminyaka engu-10 ubudala - $ 10, njll.
EJalimane, umthetho uhlinzeka ngokunikeza abantwana abangaphansi kweminyaka eyisithupha namashumi ayisihlanu ngesonto, iminyaka eyi-10 - 12 euros, iminyaka engu-13 - 20 euros, iminyaka engu-15 - i-euro engu-30. Ngokuba ukungakhokhi kwe-Guardians kuhlawuliswe.