Hlukana nezingane - injabulo ebizayo. Inani lokuqukethwe kwezingane liyahlukahluka ngokuya ngesifunda nakwezinye izinto, kepha ngokwesilinganiso ama-ruble ayizinkulungwane ezingama-20 ngenyanga.
Kodwa-ke, kunendlela eyodwa elula yokunciphisa futhi wenze lula izindleko zokukhulisa ingane:
Nikeza izingane imali yabo futhi uzifundise ukusebenzisa.Uma ekugcineni uthatha isinqumo sokuthi unikeza ingane yakho imali ebekiwe, izosiza ingane yakho ngokuhamba kwesikhathi. Namanje ungathenga abakudingayo, kodwa ngemali yabo ingane izothenga lokho akufunayo. Kungaba amathoyizi ahlanganayo lapho mancane, noma i-iPhone entsha lapho ekhula. Vele, bangacela izinto ezithile ngosuku lokuzalwa noma ngeholide, kepha ngaphandle kwamaholide, bona uqobo banesibopho sokuthenga kwabo.
Nakhu ukuthi uzoyithinta kanjani ingane yakho lapho samukela isinqumo esinjalo:
Imali yayo ifundisa izingane ukuhlanganisa isabelomali, uhlelo, nokuhlehlisa umholo otholwe. Lokhu kubafundisa ukuthi kunemiphumela emihle kanye nemiphumela ezimpilweni zabo ezivela ezinqumweni ezenziwe. Okubaluleke kakhulu, ifundisa izingane ukubonga imali. Kancane kancane, bazofunda ukuthi bangathola okuthile noma okuhlukile, kepha hhayi bobabili ngasikhathi sinye. Bafunda ukukala izinzuzo nokuba nokutholakala futhi bamise izinqumo ezimisiwe nezinqumo ezinengqondo maqondana nemali (nezinye izinto).Kanye nalokhu, izingane ezidinga ukwenza izinqumo zemali ziqale ukunquma amanani azo. Kufanele banqume ukuthi bafuna ngempela ukusebenzisa imali ngezinto ezithile.
Udubula iningi lezidingo
Ngokwengxenye ukucindezela okuhambisana nokukhuliswa kwezingane ngesigaba esiphakathi, zivela ezifundweni ezingapheli ezivela ezinganeni. Lokhu kuyingxenye yempilo yesimanje yesigaba esiphakathi. Ebuntwaneni noma ebusheni, kunokuthile okufanele basebenzise imali, futhi ukukhulisa izingane kwesinye isikhathi kungazwakala njengezingxoxo zaphakade nezingane zakho ezingakwazi nokungabi nazo. Uma ingane yakho inemali yayo, uhlelo lwezezimali kanye namakhono amahle okuhlanganisa isabelomali, usazokubuza ngezinto, kepha hhayi kangako.
Ukuthi udinga ukwenza lokho ukuthi kusebenze:
Thembeka
Uma ukhokha, ngezinto eziningi zezingane zakho, ungabanika inani elincane. Kodwa-ke, uma uthatha lesi sikhundla, kuzodingeka ubanikeze imali ethe xaxa. Kungabonakala kungabi nangqondo ukumnika ingane imali eyengeziwe ukunciphisa ukukhuliswa kwayo, kepha uma unamathela kumthetho (bayakhokha ngokubona kwethu, ngemali oyinikeza yona), ungahlanganisa i-adjit.Yimalini yokunikeza ingane yakho? Akukho mali anembile, kuzohluka ngokuya ngokuthi uhlala kuphi, nezinye izimo. Yazi nje ukuthi uzama ukubafundisa ukuhlanganisa isabelomali, gcina futhi ukuhlehlise imali, ngakho-ke umholo wabo kufanele ubavumele babe yindlela yokuphila enengqondo, kepha kungenzeka ukuthi bayindlela yokuphila enengqondo, kepha kungenzeka ukuthi bayindlela yokuphila enengqondo, kepha kungenzeka ukuthi bayikhole. Indlela yokuphila ingane edinga ukwenza ngayo izinqumo ezinengqondo ngokuthi ingasebenzisa kanjani futhi ilondoloze, iba yimvelo yabo yesibili.
Fundisa ingane ngamakhono amahle ezezimali
Ingane yakho izodinga imiyalo eminingi, ikakhulukazi esemncane. Mfundise noma ngilondoloze ngekusasa, okwenza amabhange e-piggy ukuze alondoloze. Mhlawumbe ingane yakho idinga i-piggy Bank ukuze iqoqe imali kwifoni entsha, kwezokuzijabulisa ngesikhathi samaholide ehlobo noma imali ukuthenga izipho zabangane. Ungase futhi ufundise ingane yakho ukuphatha imali, echaza ezinye izimiso:
- Qhathanisa izintengo zezinto abafuna ukuzithenga;
- Sesha ezinye izindlela zobunikazi (ngokwesibonelo, thatha okuthile ongakuqasha);
- Ukuthengiswa kwezinto abangasadingi, ukuthola imali eyengeziwe;
- Umsebenzi owengeziwe otholwayo okhokhelwayo (njengoba kuvunyelwene);
- Inzalo kanye nentshisekelo eyinkimbinkimbi (lapho zibantu abadala kakhulu ukuvula i-akhawunti yasebhange).
Hlambulula
Khuluma nengane mayelana nokuthi yini izindleko ongazimboza noma ongazisize. Njengoba ingane ikhula, ukukhokhwa kwemali esele noma okubhaliselwe kwizinsizakalo ezahlukahlukene kukhokhwa ngemali yakhe, kodwa ekuqaleni ungathatha lezi zindleko.
Futhi, ngeke kube okungathandeki ukudingida izinto ezinjengokusindisa ekolishi. Intsha ngeke ilimaze ihlehlise imali ekolishi, ikakhulukazi uma inomsebenzi wesikhashana, kepha udinga ukuqonda kahle ukuthi uzokhokha ini, nokuthi yini yena futhi yini ezosebenzisa umfundaze.
Uma ingane yakho ifuna imoto uma kuzofanele imkhokhele yedwa, noma ungamsiza kulokhu? Ayikho imithetho esethiwe lapha. Kubalulekile nje ukuthi noma yimiphi imithetho izoba, wena nengane yakho yazi ukuthi zisebenza kanjani. Kuyasiza wena nengane yakho ngempumelelo imali futhi ibhajethi.
Ngokushesha lapho uqala ukufundisa ingane yakho ekusingatheni imali efanelekile, kuzoba lula esikhathini esizayo, kodwa nakanjani nakanjani uzomnika ukukhula. Lapho isisekelo sesibekiwe, ungathola ngempela ukuthi ingane yakho ithanda ukuphatha imali yakho futhi isabalalisa isabelomali sakho.