Indlela yokugcina imali?

Ufuna ukugcina imali nayiphi na into ebalulekileyo yokuthenga, okanye mhlawumbi ukuphumla, imoto, indlu , umtshato, ngokubanzi, nantoni na. Kodwa awukwazi ukwenza oko? Kulungile! Namhlanje siya kuphendula umbuzo wakho: "njani ukugcina imali?" Ngaphezu koko, siya kukuxelela indlela yokugcina imali eninzi!

Ukuze uzalisekise iphupha lakho awuyi kuba nako ukuzibamba ekuthengeni uze uhlehlise zonke i-kopeck, eyona yindlela enye. Kufuneka nje ukuseka ubudlelwane bakho ngemali , oko kukuthi, ngandlela-thile uqondisise imali kwaye uhambelane neengcebiso zethu ezilula indlela yokugcina imali:

1. Okokuqala, zihlawule. Oko kukuthi, qalisa ukucinga njengomatshini omkhulu wemali: "Qala ukuhlawula zonke iintlawulo, kwaye kunye nenkunzi eseleyo yenza oko ufuna." Zonke iindleko zakho zilungiswe ngokwazo xa ubeka kuqala umlinganiselo wemali, uze uthenge. Omnye unokuzama nje ukuyeka imali, kwaye uya kulibala ngonaphakade igama elithi "ipenny ruble iyalondoloza".
2. Cwangcisa zonke iindleko zakho. Musa ukuchitha isiqingatha somvuzo wakho kwiembadada okanye i- mini-bikini , ejongene nawe ukusuka kwinqanaba le-boutique. Emva kwakho konke, inyaniso ilungele ukuthenga izicathulo ezifanayo kunye ne-swimsuit ekuthengiseni, kunye nemali eqokelelwayo ukuya elwandle. Ngendlela, njengezaphulelo! Ngokuqhelekileyo banqatshelwe kangcono. Inyaniso kukuba emva kokubona ibhodi yokukhangela "Yingqalelo! Izaphulelo! "Sitshintsha ngokuqinisekileyo sibe yiZombi. Abantu baqala ukuthenga into ayifuniyo. Umzekelo, usenokucinga ukuba awuyi kugcina usuku ngaphandle kwala macala atshabayo atshabayo okanye ukutsho, ukutsho, iibhotile ezingadingekile kuwe ehlobo, kodwa ukuba ungenaso isaphulelo awunakuze ucinge ukuchitha imali eninzi "kule ".
3. Ungaze utshele nabani na ukuba ugqibe ukugcina imali. Indlela yokugcina imali ngokufanelekileyo? Sinyameko, ntanda wam, ngokuthula! Imali ihlala ihlala njalo kwaye yonke into iyadingeka kwaye akukho mntu uya kukwenqaba ukuwamkela ngamandla angaphantsi. Kuhlala kulula ukucela iimali-mboleko kumhlobo osuka kwi-piggy bank kwixesha elingenammiselo, kunokuba ufumane imali. Ngaba uyayidinga? Yenza lula ubomi bakho. Musa ukuxelela umntu malunga neebhanki yakho yebhanki. Izifundo zibonise ukuba ama-million angama-Amerika angaya kwiivenkile zokutya kunye nama-boutiques abizayo. Ngaphezu koko, bahlala kwiindawo eziqhelekileyo kunye nabamelwane babo bahlala bengakwazi ukuba i-millionaire ihlala kufuphi nabo.

Indlela yokugcina imali yemoto?

Ukuze uphendule umbuzo "Ndingayigcina njani imali kwimoto?" Uza kufuneka uqale ugqibe isigwebo semoto kunye neendleko zayo. Akulungele ukugcina imali, kodwa akuyiyo ukuboleka okanye ukuthatha imali mboleko. Kukho iindlela ezininzi ezivela kule meko. Umzekelo, unokufumana eyongezelelweyo imivuzo kwaye uyibeke ngokupheleleyo kumatshini. Ukuba awunalo ithuba, kuya kufuneka ugcine enye yomvuzo wakho.

Misela ikhadi elilodwa lebhanki, apho uza kubeka inyanga nganye imali ethile. Misela uzenzele le mali kwaye uthi, inyanga nganye ngosuku lweshumi, uzalise ikhadi lakho "lokuqokelela". Into ebaluleke kakhulu apha kukunamathela kwishedyuli. Isimo sengqondo esinganakiyo asinakukunceda ukuba usindise imali efunekayo, kwaye ukuba le nyanga ubeka ingqalelo ngaphantsi kwewaka, ngethemba lokuba ekulandelayo uza kuwugubungela, kwaye akunakwenzeka ukuba ufumane into ethile.

Ndingalondoloza njani imali kwimoto ngokukhawuleza? Ngaphandle kweemeko kufuneka uvumeleke ukuba uthathe imali ngaphandle kwebhanki ye-piggy, kwaye ngoko uya kuhamba ngokukhawuleza uze uye kwiphupha lakho uze ukholwe, kungekudala uza kuhamba ngemoto yakho entsha ukuhlangabezana nomoya.