Xa kushiyeke kakhulu inyanga ekupheleni komvuzo

Kungenzeka ukuba xa uhlahlo-lwabiwo mali lwenyanga luphela usenenyanga ende ukuba uhambe. Ukuba yinkxaso yosapho luxanduva olukhulu kwaye ngamanye amaxesha kunokudala uxinzelelo, ngakumbi xa usazi ukuba imali iyasilela kuyo yonke into oyifunayo. Njengokutya kosapho, kunokwenzeka ngakumbi ukuba uza kusokola ukugcina kuzo zonke iindleko onazo.

Ukuba ukonga kukwenza uxhalabe kuba kubonakala ngathi unelahleko ekupheleni kwenyanga okanye awufumani yonke into, kufuneka uqale wenze isicwangciso sokulawula yonke imali yakho. Ukuba uneengxaki zemali, into yokugqibela ekufuneka uyenzile kukujonga kwenye indawo. Kuyimfuneko ukuba ubeke zonke iingxaki zakho etafileni kwaye ngaphezu kwako konke, ukuze uqale ukhangele isisombululo.

Ukuba ngumondli wosapho luxanduva olukhulu

Kulula kuthi kuluntu lwethu oluqhutywa kukuthanda izinto eziphathekayo kunye nokuzibaxa izinto kubathengi, imali iya kushiya kwanangaphambi kokungena ekhaya. Uninzi lwabantu lunendlela enye yokucinga: 'Ndiyayifuna yonke kwaye ndiyayifuna ngoku'. Ukuba awalumkanga unokuba nale ngxaki inkulu kwaye yintoni embi kakhulu, ukuba abantwana bakho bafunde umzekelo ombi.

Abantu abaninzi bafuna ukuba nayo yonke into ebomini babo ngaphandle kokukhathalela iimali mboleko ekufuneka bezihlawule ekupheleni kwenyanga ... Kodwa kamva, xa umvuzo uvela emsebenzini, zonke ezi ntlawulo zithathwa zezo 'mboleko' emva koko wena awunayo into oyifunayo ngokwenene: ubomi bemihla ngemihla. Ukuba ngumondli wesonka ngokungathandabuzekiyo luxanduva olukhulu olungenakuthathwa lula.

Ukuba uchithe okanye uchitha ubusuku obuninzi ungalali ucinga ngamanani kwaye uzibuze ukuba ungazifumana njani iindleko kunye nendlela yokuthintela abanye, ngoku lixesha lokuba ube nesicwangciso esihle. Njengokuba uzama ukucwangcisa yonke into ngokweenkcukacha, kunokuhlala kukho imicimbi engalindelekanga xa ungazilindelanga.

Zingakanani iindleko onazo

Nokuba usebenza kangakanani okanye ufuna ukufumana malini, uya kuhlala uziva ngathi awufumani umvuzo owaneleyo kwindlela ophila ngayo. Ukwazi ngokuthe ngqo ukuba zingaphi iindleko onazo kunye nokuba urhola malini, kuya kufuneka uqaphele iindleko zemihla ngemihla nezenyanga onazo kusapho kunye nokuba yimalini engenayo endlwini. Ngale ndlela kuphela apho kuya kubakho ukwazi ukuba ngenene kufuneka uthathe amanyathelo ngokukhawuleza okanye akukho mfuneko.

Kukho abo bakhetha izicelo zokulandela umkhondo wenkcitho yabo, kwaye bayayibhala phantsi, ukuze bafumane eyona nto bachitha kuyo kakhulu. Kukho abantu abamangalisiweyo kukufumanisa ukuba banokuchitha imali eninzi ekutyeni nabahlobo okanye kwikofu kunakwenye into ebaluleke ngakumbi.

Kungenzeka ukuba kukho inkcitho engalinganiyo kwizinto ngoku ungaziqondi, nakwizinto ezingabalulekanga okanye ezingafunekiyo. Xa izixa ezincinci ziqala ukuchitha kwizinto ezincinci, awuziqondi de zibe zifumbile kwaye zibe 'yinto enkulu'.

Iingcebiso ezili-11 zokuchitha ngaphantsi komvuzo wakho

Kubonakala kusengqiqweni, kodwa kubonakala ngathi akukho lula kangako kuninzi. Zimbini kuphela iindlela zokufumana imali engaphezulu kwaye ubenakho ukuhlawula iindleko eziyimfuneko: chitha imali encinci kunaleyo uyifumanayo. Ukukunceda uqinisekise ukuba imali yakho ayichithwanga kwangethuba enyangeni, ungaphoswa zezi ngcebiso ukuze ukwazi ukulawula iindleko kunye nemali eza endlwini.

1. Cinga ngendlela oyisebenzisa ngayo imali yakho. Kulula ukwazi ukuba urhola ntoni kodwa kunzima ukuqonda iindleko ezenziweyo kwaye uzazi ngqo. Ke ngoko, hlala phantsi yonke imihla kwaye ubhale yonke imihla inyanga oyichithayo kunye nento oyichitha kuyo yonke imihla. Emva koko thabatha umndilili weendleko zakho kwaye ufumane apho ungayisebenzisa khona imali engaphezulu.
2. Lungisa izinto ngaphambi kokuba ziphule ngokupheleleyo. Xa ubona ukuba kukho into ekhayeni lakho eqala ukonakala kodwa isisombululo, khangela indlela yokuyilungisa ukuze ihlale ixesha elide kwaye ungaphepha inkcitho engeyomfuneko.
3. Khumbula ukubaluleka kokonga. Kufuneka uzikhumbuze yonke imihla ngokubaluleka kokonga. Nokuba usekhaya, emsebenzini, nakweyiphi na inkcitho ... ukuthintela kungcono kunokunyanga kwaye ngenxa yoko unengqondo yokonga kwimeko apho 'iinkomo ezinqinileyo' ezoyikekayo zingaze zifike ngenxa yesiganeko esingalindelekanga esenzeka ekhayeni lakho.
4. Hlawula amatyala akho. Kuyimfuneko ukuba uhlawule amatyala akho inyanga nenyanga ukunqanda ukuhlawulwa kwemali eyongezelelweyo kwinyanga elandelayo. Ukuba unamatyala, kubalulekile ukuba uwalahle ngokukhawuleza kwaye uphephe inkcitho engaphezulu.
5. Impahla esemgangathweni. Ewe, iimpahla ezisemgangathweni zibiza kakhulu kodwa ziya kukunceda ukuba ubenempahla encinci kwaye uchithe imali encinci ekuhambeni kwexesha. Impahla esemgangathweni ihlala ixesha elide kunexabiso eliphantsi kwaye iya kuhlala ixesha elide. Nangona abantwana kufuneka batshintshe iimpahla zabo kuba bekhula, ukuba uthenga umgangatho, iya kuhlala ibakala liphela.
6. Ukuba awukwazi ukuyihlawula ngekheshi, ngekhe uyihlawule. Ukuba awukwazi ukuhlawula into ngemali, ngekhe. Unokukhetha ezimbini: gcina okanye ulibale. Musa ukucela imali-mboleko.
7. Gcina imali ukuze kwenzeke izinto ezingalindelekanga. Kubalulekile ukuba ube nengxowa-mali engxamisekileyo kwimeko yokuba kukho into engalindelwanga. Ukuba le ngxowa-mali ichithwe, kuya kufuneka uyigcwalise rhoqo ngenyanga ukuze ube nendawo yokuntywila xa kufanelekile.
8. Musa ukuzithelekisa nabanye. Awufuni ukukhokela ubomi bomntu ofumana amaxesha ama-3 ngaphezulu kunawe. Kwakhona, ukufumana umvuzo ongaphezulu akuthethi ukuba uphila ngcono. Abo bahlengahlengisa ubomi babo kwimali abanayo kwaye bonwabile ngemihla yabo yokuphila ubomi obungcono. Ukuba nokuninzi akuthethi ukuba sisityebi, kodwa kunoko ukuthi 'oyena ufuna ubuncinci usisityebi' yeyona nyaniso uza kuyiva namhlanje.
9. Amava ahlala ixesha elide kunezinto. Kuya kufuneka uthintele umnqweno wokuthenga izinto ezingeyomfuneko ukuze ube nokuninzi. Kungcono ugcine imali kwaye uhambe njengentsapho.
10. Sukukhawuleza ukutya kwakho. Ukuba kukho into ongafanelekanga ukuyikhangela (kodwa ngaphandle kokuyichitha) ikukutya kosapho. Kungcono ukhethe ukutya okusempilweni kwaye okusemgangathweni nokuba kubiza kakhulu kunokujolisa ekuthengeni ngexabiso eliphantsi kodwa ekuhambeni kwexesha kungayithatha impilo yakho.
11. Yithi 'hayi' ebantwaneni rhoqo. Abantwana bafuna ngenkani kwaye baya kuhlala befuna ukuba bakhulu. Iindleko ezi-superfluous zihlala zivela ngokuthanda kwabantwana. Kungcono ukunqanda oku ngo 'hayi' ngexesha.