Njengokwenziwa kwansuku zonke kubonisa, akukho mali eninzi. Yaye ukuba kukho intsapho kunye nabantwana, imali ihlala iphela ngokukhawuleza kunokuba ibonakale. Umbuzo wokugcina imali unokuvela kwiintsapho ezinemali engenayo, kuba akusoloko umgangatho wemvuzo ungumqinisekiso wobomi obukhululekile. Okubaluleke nakakhulu kukukwazi ukwabelana ngokufanelekileyo ngemali kwaye uyisebenzise ngokuhlakanipha.
Iingcebiso malunga nendlela yokugcina imali kwintsapho
Ukucinga ngendlela yokugcina imali kwintsapho, indoda nomfazi abahlala bembona umbuzo ofanayo. Kungabonakala kumyeni ukuba umfazi uchitha imali eninzi kuye, kunye nomfazi-ukuba indoda inetyala lokungcola. Ngako oko, ingongoma ebalulekileyo yokugcina intsapho kufuneka ibe ukucwangciswa kwemali. Xa kufika imali nganye kwintsapho yabatshatileyo, kuyimfuneko ukuba bavumelane ngokubambisana nokuba yintoni imali eya kuchitha. Kubalulekile ukuqwalasela izinto ezifana neendleko:
- iintlawulo ezibophelelweyo (izibonelelo, intlawulo yeengxoxo zefoni, i-intanethi, imfundo yabantwana, i-inshurensi, njl);
- ukutya - kukulungele ukunika inani elithile kwiveki nganye;
- ukuthenga okuyimfuneko (iimpahla okanye izicathulo, ukulungiswa kwemoto, ukuthenga izixhobo) - le nto ingabangela ukungavumelani, ngoko kufuneka uqale ngokubaluleke kakhulu kwaye uhambe ngokubhekiselele kubhajethi kweli nqaku elaneleyo;
- ukuphumla - le nto yenkcitho ayikwazi ukunyanzelwa, njengoko ubomi buya kuba yinto eqhelekileyo. Ukuba awusebenzisi imali kule kholomu, uze uwatshintshele kwinyanga ezayo kwaye ungeze kubo ngenyanga ezayo;
- isitofu esingenakuhlaselwa - kungekhona yonke intsapho inemali eyaneleyo, kodwa kufuneka silwele ukugcina okungenani 5-10% yemali engenayo.
Xa usicacisile le nto yenkcitho, unokubona apho kwaye imali enokukhatyathwa khona, kwaye uyakwazi ukulandelela ukuhamba kwemali. Ukungakwazi ukucwangcisa lutshaba olukhulu lokugcina.
Ukongezelela, kukho iingcebiso zokugcina imali:
- ukuthenga izinto eziphezulu, kuba izicathulo kunye nezambatho ezingapheliyo azikwazi ukuhlala ixesha elide kwaye zikhokelela kwiindleko ezintsha;
- Ungathengi izinto kwi-boutiques e-branded, apho ungayikhokheli into ethile, kodwa nge-brand;
- Iikhemikhali zekhaya kunye neemveliso zezempilo kufuneka zithengwe kwiipakethe ezinkulu, njengoko oku kunenzuzo kakhulu;
- Izixhobo zendlu zingathengwa ngamanzi, apho ixabiso liyancitshiswa ngenxa yecala elingabalulekanga.
Gcina imali kwimenyu yentsapho
Kukho iingcebiso ezibalulekileyo zokugcina imali kwintsapho kwimveliso:
- Nika inani elithile lemali kwimveliso kwaye uzame ukuhamba ngaphaya kwayo. Oku kuya kunceda ukuphepha ukugqithisa kunye nenkunkuma engadingekile.
- Yenza imenyu ngokukhawuleza kwiveki. Musa ukulibala ukuba kufuneka lihluke kwaye lilingane.
- Thenga izinto ngokukhawuleza ngeveki, ukutyelela ivenkile kangangoko, apho ufuna ukuyithenga yonke into nangaphezulu.
- Yiya kwivenkile ngokungqongqo uluhlu, ukwenzela ukuba ungenzi ukuthengwa okungenakulungiswa okubhoxisa intsapho ngaphandle kohlahlo lwabiwo-mali.
- Qala incwadana apho ufuna ukubhalwa uluhlu lwezifundo zokuqala, zesibini kunye needyuli onokuzipheka. Kukho ezininzi iindlela zokupheka ezingabizi
izitya, esizilibalayo, ngoko le ncwadi inokukuvumela ukuba ukhumbule indlela onokuyikholisa ngayo intsapho kwaye ngexesha elifanayo uchitha imali encinci. - Landelela umkhiqizo othabatha imali eninzi kuwe kwaye uzame ukufumana enye indlela. Ukuba yinyama, funda indlela yokupheka imifuno okanye i- cutlets . Ukuba iilekese, uza kufuneka uthenge ngomgubo obuninzi kunye noshukela, uze upheke iikiki kunye neenkiki ngokwakho.
Ukwazi indlela yokugcina imali kakuhle kwintsapho, unokuba ngumphathi weemali zakho kwaye ufumane imali yamahhala ongayinayo ngaphambili.