Ukusuka kwi-SIT nganye yentsimbi kufuneka uqinise ibhanti ngolonwabo, chitha ngaphantsi, gcina ngaphezulu njalo njalo. Iqabane lam kwezi bhayibheli lalikhokelwa kwaye, kuba uphupha uhlahlo-lwabiwo mali losapho, wasindisa kuyo yonke into. Ngenxa yoko, sasingenazindlu, sinokufumana kancinci, kwaye kwakungekho ntetho malunga nokuqokelelwa. Ndaye ndagqiba kwelokuba ndithathe ulawulo lohlahlo-lwabiwo mali losapho ezandleni zakho. Ukujonga phambili ukuchaza ukuba ngaphandle kokukhangela umsebenzi omtsha wemali kusapho lwethu, kwaoko ngakumbi.
Imfihlo yemvakalelo yemali inikezela ubuxoki kwinto yokuba ingabi yinto ebaluleke kangakanani, kubalulekile ukuba silawule. Imithetho-siseko yam yokuchitha imali ayimfihlakali kumatywina aSixhenxe, kodwa i-99% yabemi baseRussia abafiki njengoko ndisenza. Kungenxa yoko le nto bathumela ubukho bexeshana.
Into yokuqala endiyenzileyo xa ndayeka ukunika imali yam umfazi ndabhengezwa ngokubonakala kweendleko. Ndakhawuleza ndawakhulula onke amatyala kwaye waliwe ngobomi ngetyala.
Okwesibini, ndalithetha iqabane lam ukuba ngoku siza kuhlala singama-25 amawaka e-ruble ngenyanga, andifumananga (kwaye ndifumana ngaphezulu kwesi sixa).
Nditshintshe ngokupheleleyo ukucinga kwam kwezemali
Ngoku, xa ndicinga ukuchitha esinye isixa semali, ndijonga ixabiso alisebenzi, kodwa njengotyalo-mali. Lo ngumzuzu obaluleke kakhulu. Zama ukuyifumana ngokwakho - jonga iindleko, njengotyalo-mali kunye neminqweno yakho yokwenza ukuthenga okungenangqondo, njengekhephu entwasahlobo.Inkosikazi yam ayiyazi indlela yokujonga eyona nto ingakwaziyo ingenako kwaye ihlala ithenga ngokweemvakalelo. Ukuba ufuna ukuphucula imeko yakho yezemali, ke ngelo xesha ngesazela, oko kukuthi, tyala imali.
Ndibeka isukelo lokuqalisa ngokuphila njengomyalelo
Ukuphila, njengomyalelo kuthetha ukuba ndisebenza, ndibeka imali kwii-asethi, ndifumana ipesenti ukusuka kwii-asethi. Apha kule pesenti endinokuphila. Ewe kunjalo, kwinqanaba lokuba nengeniso eguqukayo, kunzima ukwenza umjelo onamandla wokuhamba kwezemali, kodwa sele ndifumene ngemijelo emincinci.
Ngoku ndijonga imali, njengakwimbewu. Ndibacwangcisa, ndikhulisa ujongilanga, olunebhasikithi iphela yezimbewu. Inxalenye yembewu ndiyayiwela kwakhona, kunye nelinye icandelo lokususwa. Obu bubomi bangaphambili.
Ifanele iqondwe ukuba ayizizo zonke imbewu. Kwenye indawo ayabola (njenge-RURBLE), kwenye indawo umhlaba uza kufikelela (njengezabelo), oko kuthetha ukuba imbewu iyanyamalala.
Ukuba le yayingeyomfuneko ukuba ibonele ngenani elikhulu lokuhlwayela imbewu. Ibizelwe ukuba ixhase i-sushion enkulu yemali. Igqibelele ukuba igqibelele.
Ukutyhubela eli nqanaba, ukutyala imali yokuqala (kutyalo mali kuqala), ndaqala ukufumana umvuzo. Namhlanje andisayi kucinga ukuba ungayityalisa njani imali kwaye ungaphila njani kumvuzo omnye (lixesha elingakumbi lokuchitha).
Ndilungisa kakhulu imeko yam yezemali ndacinga ukutshintsha umfazi wam, kodwa ndihlala namdala.