Nangona kunjalo, akwanelanga ukubhala umvuzo kunye neenkcitho-akukho zicelo zeshumi elinambini zezi. Ezona zinzima ukubambelela kwitshathi yezemali. Ukungasebenzi ngaphaya kokuvumelana, kufuneka ufunde ezimbini izimvo eziphambili.
Inyani yile ilandelayo: Sihlala singonelangaKwelinye icala, sasinethamsanqa lokuphila kwihlabathi elinokuphuma endlwini kwaye kwiradius yekhilomitha enye ifumane iivenkile ezinkulu, ezinye zazo ziya kuba zijikeleze iwotshi. Kwelinye icala, iminqweno yethu ngequbuliso ijongene neempawu ezinqongopheleyo. Oko kukuthi, kukho ukhetho olusesikweni, kodwa enyanisweni uninzi olungapheliyo alunakukwazi ukufumana olu khetho kwaye lwenze ukufunyanwa ngokungqinelana ne-wallet yabo, hayi iimfuno. Kwaye ngequbuliso ukungancancisa into ebaluleke kakhulu, kufuneka ufunde ukuba ubeke izinto eziphambili ngokubaluleka.
Uhlahlo-lwabiwo mali olunobuchule luyazola kwaye ukuzithembaVuma ukuba uxinzelelo lube lukhulu, ukuba uyazi: kwindawo ethile kwimvulophu okanye kwiakhawunti eyahlukileyo, umqamelo utyalwe ebhankini. Emva kwayo yonke loo nto, akukho likhulu leepesenti linokuqiniseka ngomso. Kwaye akukhathaleki kangakanani, kodwa ayingabo bonke ebomini bakho siyakwazi ukuphembelela: Nyukani, kunye nokuphulukana nomsebenzi ngequbuliso, ngelishwa, iingxaki zempilo. Ukunciphisa ukubetha kwekamva akuyonzakalisi ukukhulisa ingqokelela yemali.
Ngokukhawuleza nje ukuba nokuqonda kweyona ntlekele yezemali ibaluleke kungenjalo kuphela okwangoku, kodwa nakwindlela ende, imicimbi yokucwangciswa kohlahlo-lwabiwo mali ayisajongwa njengento ekhethiweyo. Kwaye apha siya kwizenzo ezithile.
Ngenxa yokona kugcwaliswa kwemali yakhoApha kufuneka uqwalasele umvuzo wakho (kunye nomvuzo wawo onke amalungu osapho), kwaye ukuba unikela eflethini, emva koko ingeniso kwipropathi. Usenokuba utyalomali kwezinye izixhobo kwaye ufumane ipesenti. Isixa sokugqibela yimpahla yakho. Ingeniso evela kwintengiso yexesha elinye (umzekelo, iimoto) okanye iingxowa-mali zesipho azifakwanga apha.
Ukuthinjelwa, apho imali ihamba inyanga nenyanga. I-Toundphoto, ukutya, impahla, iindleko zonyango, ukhathalelo lwabantwana okanye ukuhlawula, ukuzonwabisa, ii-salon zolonwabo-zento ezinokungena kudidi lwenkcitho rhoqo. Ukwenza uhlalutyo olunjalo lusebenzisa iibhanki- uninzi lwayo ngokuzenzekelayo uqwalasela amanani eendleko xa uhlawula ukuthengwa kwekhadi. Thatha umthetho ukongeza yonke inkcitho yakho yemali kwiprogram enye ukuze izibalo zinokuthenjwa ngakumbi.
Uhlalutyo lweendlekoUninzi, kunokuba lumangalisa ukuba imali ichitha ukuthenga okuzenzekelayo. Ingabonakala: Intengiso, ihempe yesaphulelo, kwaye ukuba uthatha ezimbini, emva koko isipho siya kunika iifutshane. Okanye uhambo lwesonka kunye nobisi kwivenkile ekufuphi ngequbuliso bajika bathengwa kwimveliso yeveki. Okanye hayi ngeveki? Xa iipakethi zepakethi zipakishwe, kuya kuba yinto ebalulekileyo. Kwaye ke inyanga nenyanga okanye embi- veki nganye. Ukuba uzoba uluhlu lweemveliso eziyimfuneko kwangaphambili kwaye uthathe isixa esilinganiselweyo kunye nawe, ngokungqongqo ukuhlawula iimveliso ezikhethiweyo, awuyi kuchitha kakhulu.
Iinjongo kunye nokuba zixabisa maliniYiyo loo nto, uya kuyicinga ngokucacileyo ukuba kutheni kwaye uyimalini ekufuneka uyisasaze. Umzekelo: Ufuna ukwenza "iBag ye-Airbag", ukubulala imali yohambo ukuya eYurophu, yibuyisele ityala, thumela umhlobo wakho kwicandelo lezemidlalo, kwaye nam likhondo lomhla wokuzalwa Ugqirha wamazinyo. Kwaye oku akubali inkcitho yangoku "ebomini". Kukho isixa senjongo kunye nomthamo wokufundisa kwaye ufumane inani elipheleleyo le "Uxanduva LAKHO".
Kusenokwenzeka ukuba inani leeasethi liya kuba ngamatyala amancinci. Akukho ngxaki! Ephethe isiphatho, incwadi yamanqaku, isikhalityulule kwaye siqala ukumisela inkcitho yakho.
Ukuziqhelanisa kubonisa ukuba iindleko zangoku zinokunqunyulwa nge-20-30% ngaphandle kocalucalulo kwintuthuzelo. Ewe kunjalo, kukho amanqanaba angenako ukusika: irente, amayeza okanye umrhumo woqeqesho lwabantwana. Kodwa kungenjalo unokuqhuba uphicotho-zincwadi. Umzekelo: Akukho mpahla kwiNkampani-uphephe ukuthengwa okungacwangciswanga kwewadi okanye ubomi; Ukuthengwa kweemveliso- kwangoko iveki, ukuze kungasasaze ikhekhe okanye ipizza emva komsebenzi; Endaweni yeteksi-ibhasi; Endaweni yekofu kunye nam - ikofu ukusuka ekhaya kwi-thermocrise. Iiveki nje ezimbalwa zolawulo olunjalo, kwaye uya kufumana imali eyongezelelweyo kwi-wallet yakho.
Iindleko zeenjongo kunye namaphupha zilungile kuba uninzi lwazo lunxunguphalo lwexesha: Ukuba iholide icwangciselwe ihlobo, ungaqala ukugcina kunyaka omtsha. Ukongeza, akukho mfuneko yokuba wonke amaphupha ngaxeshanye. Qala amatyala, emva koko uthenge isipho kumhlobo wakhe wokuzalwa, emva koko ubhalise okanye ubhalisile.
Ngokobuchwepheshe, kulula kakhulu ukwenza. Ungavula iiakhawunti ezininzi ze-pigal ebhankini kwaye uguqulele kuthetha amalungu kumvuzo ngamnye apho. Kwaye ungasasaza imithombo eyahlukeneyo yengeniso ngeenjongo. Umzekelo: umvuzo weendleko zangoku, inzala kutyalo-mali-kwizipho kwaye uhambe.
Ukwahlula imali yenkcitho yenkcitho kunye nokunciphisa apho kunokwenzeka khona, inkcitho yangoku, uya kubona ukuba umsantsa phakathi kwee-asethi zenyanga nezabelo ziya kuyithatha nakanye. Yonke into, isicwangciso sohlahlo-lwabiwo mali silungile! Ekuqaleni, kusenokungabi lula ukubambelela kuzo zonke iindleko zeendleko, kunye nokuphumelela. Ungazikhululi, yonke into iza ngamava. Eyona nto ikhuthaza kakhulu ukuqhubeka nokulandela isicwangciso sinokuba sisiphelo senyanga. Xa ubona indlela iphupha ngayo le phupha lakho, imikhwa emitsha isaqinisekile ngokuzithemba.