Ungatsho nje ukuba uyazi yonke into ngemali, kubandakanywa nendlela yokuqokelela kakuhle, ukwandisa nokucwangcisa imali yakho. Khumbula ukuba imikhwa encinane ingaba nekamva eliyimpumelelo. Nolu uluhlu lwazo ezinokukunceda ukwandisa ukuhamba kwemali.
1. Dlulisa imali kwenye i-akhawunti.
Ukumisela i-debit ngokuzenzekelayo yenxalenye yemali risiti kwenye i-akhawunti okanye kwi "Ibhokisi leMali" eyabelwe ekhadini lakho enye yezona ndlela ezigqwesileyo zokuqokelela ukuthengwa kwegadget elinde ixesha elide okanye uhambo olungalibalekiyo. Inketho efanelekileyo kukuba uzalise le akhawunti ngeveki. Ngokomzekelo, ufuna ukuthenga umtshini wokugqibela weselula (ubiza i-$ 996). Ukuze uqokelele unyaka ukuthenga igajethi, fakela ukutshintshwa kwemali ngokuzenzekelayo ngenyanga eyi-$ 83.
2. Cwangcisa ukuthenga kwakho.
Esikhundleni sokuqhuma kwivenkile, ukuzalisa ibhasikidi yakho ngeempahla ezininzi ezingenasidingo, cwangcisa phambili kwangaphambili oko ufuna ukuthenga. Bhala uluhlu lweemveliso eziyimfuneko, iimveliso, ungalibali ukubonisa ukuba ungakanani uceba ukuyisebenzisa. Kuya kukunceda ukuba ugweme ukuthengwa kwempahla ongenakuyidinga.
Umgaqo ofanayo usebenza kwiivenkile ze-intanethi. Gxininisa into oyifunayo ngokwenene kwaye uzimisele kangakanani ukuhlawula omnye okanye omnye umkhiqizo. Yenza oku iintsuku ezimbalwa ngaphambi kokuthenga. Ukuba unako ukulinda, zinike iintsuku ezingama-30, uze wenze isigqibo nokuba kuyafaneleka ukuthenga kunye okanye ngaphandle kwayo kwaye uphila kakuhle.
3. Ukufuna ezinye iindlela.
Apha sithetha malunga nokufumana indawo yeemveliso ezibizayo kunye nenketho yebhajethi. I-Adore ukuba idle kwi-avocado yasekuseni ngesonka? Zama ukutshintsha indawo yayo kunye nekhukhamba elitsha. Okanye, mhlawumbi, udibana ne-cappuccino kwaye yonke imihla uyithenga ngaphambi komsebenzi, nangona kukho umatshini wekhofi eofisini apho unokupheka le siselo. Ndikholelwe, ngokugcina imali kwizinto ezincinci, uya kukwazi ukuqokelela imali eninzi kwixesha elizayo.
4. Cinga ngawe.
Ukuba, xa ufumene umvuzo, into yokuqala oyenzayo ihlawula iibhilidi zefesti, uzalise i-akhawunti yeselula, ngoko awuyi kukwazi ukwandisa ukonga. Oko okufuneka ukwenze kuqala kukunika ezinye iimali zakho kwiimfuno zakho, ziwadlulisele kwi-akhawunti yokulondoloza, kwi "Ibhokisi leMali". Ukuba ukwesaba ukuba kwixesha elizayo ungenako ukwanela ukuhlawula izibonelelo, yenza uhlahlo lwabiwo-mali.
5. Ukulawula ngobuchule ukugcinwa.
Ngaba ayithengi ikhofi namhlanje kwaye i-$ 2 ishiywe kwisikhwama? Bayibeke kwibhanki ye-piggy, kwi-akhawunti yakho yokulondoloza. Okanye, mhlawumbi, namhlanje uthathe isigqibo sokuba ungayilungisi i-pizza kwaye, ngoko ke, ukwazi ukugcina i-$ 10? Ngaphandle kokungabaza, zizalise ngekhadi lakho okanye uzibeke kude kuwe, de uze uchithe le mali kwi-trifle.
6. Gcina umvuzo wakho.
Ukuba ufumene ikhefu lokuhlawula okanye umvuzo wempesheni, yisela le mali. Ukuba kunzima ukuchitha yonke imali, qiniseka ukuba udlulisele inxalenye yayo kwi-akhawunti yokulondoloza.
7. Cwangcisa "B".
Sisoloko sikopisha kwinto ethile, oko kuthetha ukuba le "nto" kufuneka ibe yincindi. Umzekelo, injongo yakho ephambili kukuqokelela uhambo olwandle. Khuphela ngawo wonke unyaka kwaye ngokukhawuleza uqaphele ukuba awufuni ngempela ukuya khona. Oku kuthetha ukuba kufuneka kusoloko isicwangciso sparelo engqondweni. Ngoko, ekugqibeleni, awuyikushiya ingqalelo ibhanki ye-piggy kwaye usebenzise yonke imali oyithengayo ngokuthenga okungafunekiyo, kodwa qhubeka ugcine, kodwa ngenye into engabalulekanga kuyo.
8. Sigcina into enye.
Ukuzama ukunciphisa inkunkuma engadingekile, ubeka ingozi yokuba ezininzi iinkalo zobomi bakho ziya kuhla. Uyazi, oku kungakhokelela kwizinto ozivelayo, njengokuzilahleka, ukusika inxalenye ebalulekileyo "yakho" yakho. Ukuthintela oku, funda ukusebenzisa imali encinci kwindawo enye. Qala ngokuncinci amancinci. Umzekelo, ukuba uya kwindawo yokuzivocavoca, kwaye nganye nyanga uthenge ama-sneakers, phezulu, leggings, zama ukunciphisa le indleko. Okanye endaweni yokumisela isidlo sakusihlwa, lungiselela ukutya.
Phonononga impumelelo yakho yemali.
Ngenyanga nganye, uhlalutyo lwenkqubela yakho yemali. Ziqaphele ukuba ungakanani ukukwazi ukugcina, ubuninzi bokugcina. Kuphela ngale ndlela ungayiqonda ngokuchanekileyo ukuba ngaba ufundela ngezezimali. Ngaphezu koko, impumelelo ecacileyo iya kuba yintlobo yokuvuselela, ukukhawuleza imali yokulondoloza imali nokwandisa ukugcinwa kwabo.