Iingxowa - njengento engekho enye iyakwazi ukuzisa kwiimeko zokudakumba malunga phantse wonke umntu. Kodwa ukuba ufunde ukuzithiba kubo kulula nje ukuboleka imali, unokukwenza lula ubomi bakho.
Eyokuqala, kodwa ngelo xesha, indlela eyinkimbinkimbi yokukrazula ngokuthe ngcembe amatyala yiyobelwe isabelo-mali (okanye uhlahlo lwabiwo-mali) kwaye, ngokufanayo, ukuhanjiswa kwamatyala asele sele ekhona. Zama 'ukungena kwityala' kuphela xa unesidingo esiphuthumayo: ungabolekanga, ukuba unesiko esikhethekileyo sabantu emva kwakho silinde ukuba ubuyisele imali yabo. Kulula kakhulu ukuhlala nokuhlawula amatyala, xa ungalondolozi amatyala akho. Yenza uludwe lwezinto eziyimfuneko ezifunekayo ukuzisebenzisa kwizinto EZIQHELEKILEYO.
Indlela yokukrazula iibhanki zebhanki kunye namatyala?
Ngokuqhelekileyo, izizathu eziqhelekileyo zokuvela kwamatyala-oku kukhangeka ukugcina imali ixesha elide kwaye, ngokufanelekileyo, ukuvela kwemali-mboleko. Kwaye ababolekisi, ngendlela, bayazi kakuhle ukuba umntu uhlala efuna ukufumana okungaphezulu. Kwaye ngokubanzi, abantu bafuna ukufumana oko bangasifanele. Kwaye ukusuka sinqwenela ukuba basinike, kwaye asiyikufumana imali-siyakutyala kwi-matyala. Ukongezelela, kunzima kakhulu ukunikela ngokwakho kunokufumana omnye umntu.
Ngokukhawuleza, usenza isigqibo sokwenza imali mboleko, khumbula ukuba kufuneka ufune kuphela loo mali onokuyihlawula ngonyaka. Emva kokuba imali ebolekelwe yayisesandleni sakho, khawuleza uzama ukubanika ngokukhawuleza. Ibakala elibalulekileyo kule shishini kukufunda indlela yokugcina imali!
Kamsinya kangakanani ukulahla amatyala?
- Ukuphelisa ukutya okubi kakhulu ekudleni kwakho.
- Ukuba kunokwenzeka, sebenzisa ngaphantsi kwezothutho.
- Ukuhamba kunye nawe uthathe imali encinci, kwaye uchithe ngokuthe ngqo.
- Izinto ezindala kunye ezingadingekile zithengisa. Kungakhathaliseki ixabiso.
- Ukuba kukho elo thuba, khawuyeke okwesikhashana inkqubo yokuzonwabisa. Ngokomzekelo, iithala, iifilimu, i-bowling kunye nezifundo zokuzihlaziya. Gcina phantse yonke into, ngaphandle kwesizathu, ngokwemvelo.
- Musa ukuthenga iimpahla ezintsha, yenza okudala.
- Ungathengisa: igolide, indlu kunye nezixhobo zombane, ifenitshala.
Indlela yokukrazula amatyala-iingcebiso "ezinolwazi"
Ukuba uphulaphule iingcebiso zabantu abaye bajamelana neengxaki zabo zemali, unokwenza imithetho ethile esebenza ngokwenene:
- Fumana umthombo owongezelelweyo wemali engenayo.
- Nangona ungenayo imali epheleleyo, hlawula inxalenye. Kubalulekile kumboleki ukuba imali ibuyiselwe kuye.
- Emva kokuba uhlawule kwaye uyihlawule yonke imali, yeka ukuthatha entsha. Ingcono ucinge ngengeniso eyongezelelweyo ngexesha lakho lokungcebeleka .
- Ziqhayisa ngokucinga ukuba emva kokuhlawula imali yonke kubathengi, unokufumana ngaphezulu.
- Yamkela ukwazi ukuba umsebenzi ngumqondiso ongazi ukuba ungaphila ngeendlela zakho.
- Ukuba ufuna ukwenza ukuthenga okukhulu, umzekelo, i-vacuum cleaner okanye ifowuni, ukuba akukho nto ifunekayo ngokukhawuleza, yibani nesineke kwiiveki ezi-1-2. Ukuba le nto iyimfuneko kuwe, inzala kuyo ayiyi kutshabalalisa, ukuba ingayilinda, kuba kungcono ukuthumela le mali ngokuhlawula imali,
oboleke kwabanye abantu. Cinga, mhlawumbi, loo mntu ufuna ukubuyisela imali yakhe ngaphezu kwefowuni entsha! - Zizilungiselele kwisimo esihle sengqondo. Kuphela ngentloko entsha kunye nempilo enempilo uza kuba ngabasebenzi abanamandla. Kwaye xa udidekile, ulahlekelwa ngamathuba akho.
- Ukuba ebusuku ubungeke ulale kwaye ulale ngokuthula, zicinge ukuba sele uhlawule imali yakho kunye nomntu oqhelekileyo, oqhelekileyo.
Kwaye ngokubanzi, amatyala awayikuphela kwehlabathi. Enyanisweni, ubomi bakho abuguqukanga, sebenze!