Ungasho nje ukuthi wazi konke ngemali, kufaka phakathi indlela yokuqongelela kahle, ukwandisa futhi uhlele imali yakho. Khumbula ukuthi imikhuba encane ingakha ikusasa eliphumelelayo. Nasi uhlu lwalabo abangakusiza ukwandisa ukugeleza kwemali.
1. Dlulisa imali kwenye i-akhawunti.
Ukubeka i-debit othomathikhi yengxenye yamarisidi wemali kwenye i-akhawunti noma "Ibhokisi Lemali" elinikezwe ekhadini lakho kungenye yezindlela eziphumelela kakhulu zokugcina ukuqoqa igajethi elinde isikhathi eside noma uhambo olungaze lulibaleke. Inketho ekahle uma ugcwalisa le akhawunti njalo masonto onke. Isibonelo, ufuna ukuthenga umshini wakamuva weselula (ubiza u-$ 996)? Ukuze uqoqe unyaka ukuthenga igajethi, faka ukudluliswa kwezimali ezizenzekelayo ngenyanga $ 83.
2. Hlela ukuthenga kwakho.
Esikhundleni sokugijima esitolo, ukugcwalisa ibhasikidi lakho ngezimpahla eziningi ezingadingekile, uhlele kusengaphambili lokho ofuna ukukuthenga. Bhala uhlu lwemikhiqizo edingekayo, imikhiqizo, ungakhohlwa ukukhombisa ukuthi uhlela ukuchitha kangakanani. Kuzokusiza ukuba ugweme ukuthengwa kwezimpahla okungenasidingo ongazidingi neze.
Umthetho ofanayo usebenza ezitolo ze-intanethi. Gxila kulokho okudingayo ngempela nokuthi uzimisele kangakanani ukukhokha ngomunye umkhiqizo. Yenza lokhu izinsuku ezimbalwa ngaphambi kokuthenga. Uma ingalinda, zinikeze izinsuku ezingama-30, bese wenza isinqumo ukuthi kufanelekile ukuthenga noma ngaphandle kwayo kanye nokuphila kahle.
3. Ukufuna ezinye izindlela.
Lapha sikhuluma ngokuthola indawo yemikhiqizo ebiza ngenketho yebhajethi. Adore ukuba udle i-avocado yasekuseni ngesinkwa? Zama ukuyishintsha nge-ikhukhamba entsha enonciwe. Noma, mhlawumbe, usuke uhlanya mayelana ne-cappuccino futhi usuku lonke uyayithenga ngaphambi komsebenzi, naphezu kokuthi kukhona umshini wekhofi ehhovisi lapho ungapheka khona lokhu kuphuza. Ngikholelwa, ngokugcina imali ezintweni ezincane kangaka, uzokwazi ukuqoqa inani elikhulu esikhathini esizayo.
4. Cabanga ngawe.
Uma, lapho uthola umholo, into yokuqala oyenzayo ukhokhela izindleko zefulethi, ugcwalise i-akhawunti yeselula, khona-ke ngeke ukwazi ukwandisa imali. Okudingayo ukwenza kuqala ukunikeza ezinye zezimali ngezidingo zakho siqu, uzidlulisele ku-akhawunti yokulondoloza, "kwiBhokisi Lemali". Uma wesaba ukuthi esikhathini esizayo ungase ungenele ukukhokhela izinsizakalo, yenza isabelomali.
5. Ukuphatha ngokucophelela ukulondolozwa.
Awuzange uthenge ikhofi namhlanje futhi kwakukhona i $ 2 eyengeziwe esikhwameni? Bafake ebhange lezingulube, kwi-akhawunti yakho yokulondoloza. Noma, mhlawumbe, namuhla wanquma ukungalawuli i-pizza futhi, ngaleyo ndlela, ukwazi ukugcina i-$ 10? Ngaphandle kokungabaza, zigcwalise ngekhadi lakho noma uzikhiphe kude nawe, uze usebenzise le mali esincane.
6. Londoloza umklomelo wakho.
Uma uthola ikhodi lesholide noma iholo lokukhokhela imali, shiya le mali. Uma kunzima ukungasebenzisi yonke imali, qiniseka ukuthi udlulisela ingxenye yayo ku-akhawunti yokulondoloza.
Hlela "B".
Sivame ukukopisha okuthile, okusho ukuthi le "into" kufanele ibe ngokuphindaphindiwe. Isibonelo, umgomo wakho oyinhloko ukuqoqa uhambo olwandle. Kopisha wonke unyaka futhi ngokuzumayo uqaphele ukuthi awufuni ngempela ukuya lapho. Lokhu kusho ukuthi kufanele kube khona njalo uhlelo lokuphumula engqondweni. Ngakho-ke, ekugcineni, awunalutho ngaphandle kokungena ngemvume ebhange lezingulube futhi uchithe konke ukugcina kwakho ngokuthenga okungafuneki, kodwa qhubeka ugcine, kodwa ngenye into futhi hhayi ebaluleke kakhulu kuwe.
8. Sisindisa into eyodwa.
Uma uzama ukusika imfucuza engadingekile, ubeka ingozi ukuthi izindawo eziningi zokuphila kwakho ziyowela ngaphansi kokuncipha. Uyazi, lokhu kungaholela kulokho ozizwayo, njengokuzidela, ukusika ingxenye ebalulekile ye "I" yakho kusuka kuwe. Ukuvimbela lokhu, funda ukuchitha imali encane endaweni eyodwa. Qala ngokunqoba okuncane. Isibonelo, uma uya e-gym, futhi njalo ngenyanga uthenga amasinebe, phezulu, ama-leggings, zama ukunciphisa lezi zindleko. Noma esikhundleni sokuhleleka isidlo sakusihlwa, lungiselela ukudla ngokwakho.
9. Hlaziya impumelelo yakho yezezimali.
Inyanga ngayinye, uhlaziye ukuthuthukiswa kwezimali zakho. Ziqaphele ukuthi ungakanani ukukwazi ukulondoloza, kungakanani ukulondoloza. Kuphela ngale ndlela ungaqonda ngokunembile ukuthi ufunda ngokwezimali yini. Ngaphezu kwalokho, impumelelo ecacile iyoba uhlobo olushukumisayo, ukusheshisa imali yokulondoloza imali nokwandisa imali yabo.