Kusele iiveki nje ezimbalwa ukugqiba unyaka kwaye Ixesha leenkcitho ezingaphezulu ngokugqwesa konyaka liza. Phakathi kwemisitho yosapho kunye naleyo ihlelwe nabahlobo, izicwangciso nabantwana, izipho kunye nayo yonke into etyiwayo ngale mihla, uqoqosho losapho luhlala luchaphazeleka ngamandla phambi kokuphela konyaka. Kubaluleke kakhulu ukuba ubukele into oyichithayo kwaye ube nolawulo olufanelekileyo ngokuthenga ngakunye, kungenjalo, kungathatha ixesha ukubuyela kwakhona.
Kwiminyaka ethile ngoku, zonke iivenkile zesebe zenze amaxesha ezaphulelo ngaphambi kweKrisimesi, yinto eyaziwa ngokuba nguLwesihlanu omnyama. Oko kwaqala njengosuku lokuthengisa kakhulu ePhiladelphia (eUnited States) kujike kwaba ziintsuku ezininzi ze yokuthengisa kunye nokufumana iibhombu kuyo yonke indawo. Nangona kunokubonakala ngathi kugqithisile (oko kukuthi) ukuba usebenzisa ezi zaphulelo ngokufanelekileyo, ungaluphucula uqoqosho losapho.
Ungayisebenzisa njani i-Black Friday
Ngaba kufuneka uhlaziye isixhobo okanye ifenitshala enkulu endlwini yakho? Ezi ntlobo zokuthenga zihlala ukumiswa ngenxa yokuba zibandakanya inkcitho ebalulekileyo. Ukuba ufuna ukwenza ukuthenga okukhulu, uLwesihlanu oMnyama lithuba elihle lokufumana loo nto uyifunayo. Ewe kunjalo, ukuze ukuthengwa kungabizi kakhulu, kuya kufuneka wenze isifundo esincinci semakethi ukuze uthenge amaxabiso kwiindawo ezahlukeneyo.
Phambi kokuba uthenge iKrisimesi
Kukho malunga nenyanga kude kufike iKrisimesi, ke akukho xesha uyakuqala ngokuthenga izipho kunye namalungiselelo emicimbi yosapho. Ukulinda umhla wokugqibela ayisoze ibeyinto elungileyo, kuba ngokuqinisekileyo uya kuthenga ngaphezu kokuba ufuna kwaye Uqoqosho lweentsapho luya kuba nzima kakhulu. Uneveki engaphambi kwezaphulelo kunye nokunikezelwa kuzo zonke iivenkile, ekunikeza ithuba elihle lokugcina iKrisimesi.
Lungisa uluhlu lwayo yonke into oyifunayo Thenga kwaye ukhangele phakathi kwentengiso enikezelwa ziivenkile ngoLwesihlanu oMnyama, ngokuqinisekileyo ungagcina imali eninzi kuthengiso ngalunye. Ngale ndlela, uya kuchitha imali encinci kuthengiso lwakho lweKrisimesi kwaye uya kuqaphela ukuhlawula okuncinci "kweendleko zikaJanuwari".
Iingcebiso ezi-3 zokuphepha ukuchitha ngaphezulu ngoLwesihlanu oMnyama
Nokuba amandla okuthenga kusapho lwakho, kubaluleke kakhulu ukulawula imali yosapho ngezinto ezinokwenzeka kwixesha elizayo. Kananjalo ukuba nemali akuthethi ukuba uyayichitha kwaye uyichithe ngendlela engafanelekanga, kusenzelwa usapho lwakho. Ke ngoko, kuya kufuneka ulawule kakuhle kakhulu into oyithengayo kula maxesha ezaphulelo, ukuze ungonakalisi uqoqosho losapho.
- Lungiselela uqingqo-maliEyona ndlela ilungileyo yokungachithi ngaphezulu kweakhawunti kukuseka uhlahlo-lwabiwo mali. Yenza uluhlu lwayo yonke into oyifunayo okanye ofuna ukuyithenga kwaye uphawule imali yokugqibela onokuyityala kwezi zinto uzithengileyo. Bhala phantsi ixabiso lento nganye oyithengayo uthabathe kuhlahlo-lwabiwo mali lokugqibela, ke uya kuba nakho ukulawula kakuhle izinto ozithengayo kwaye awuzukuchitha ngaphezulu kunetyala lakho.
- Thelekisa amaxabisoGcina ukhumbula ukuba ngolwesiHlanu oMnyama zonke iivenkile zibonelela ngeentengiso ezinkulu, ke kuya kufuneka uzithengise kwelona bhidi liphezulu. Oko kukuthi, kubalulekile ukuba uthenge amaxabiso kwiindawo ezahlukeneyo ngaphambi kokuba uthenge. A) Ewe uya kufumana elona xabiso libalaseleyo kwaye wenze ukuthenga okusebenzayo ezakunceda ukuphucula uqoqosho losapho. Sebenzisa i-Intanethi ukufumana amaxabiso kwaye ke ngokwenza uthelekiso olufanelekileyo, kuya kuba luncedo kakhulu kwaye ungonga imali elungileyo.
- Hlawula imali: Ukuba uza kuthenga ngokwakho, kuyacetyiswa ukuba uze nemali kwaye ushiye ikhadi lakho letyala ekhaya. Ke, uya kuthintela ukuchitha ngaphezulu kunye nokuthenga izinto ongazidingiyo okanye ukuba awuzange ucebe ukuthenga. Kuphephe ukuhlawula ngekhadi letyala, nangona ekuqaleni ungamisela ukuhlawula ezo zinto uzithengileyo, ekuhambeni kwexesha kuya kufuneka ujongane nelo tyala. Ukungathembeli kuyo kunokuzonakalisa ngokupheleleyo iimali zosapho.