Akuyena wonke umntu owaziyo ukusabalalisa imali yazo. Uninzi lwabantu, beza kwivenkile, bathenge khona ngaphezu kwehafu yesithintelo sempahla. Ngaloo ndlela, imali ihamba ngokukhawuleza kwaye ingalunganga. Ukuqokelela inani eliyimfuneko kwinto ebalulekileyo iya kuba nzima kakhulu. Ngoko ke, ukuze kulungiswe le meko, kubalulekile ukuba ufunde indlela yokuphila kwezoqoqosho.
Indlela yokufunda ukuhlala ngokukhawuleza nokugcina imali?
Ekuqalekeni kungabonakala kunzima kakhulu, kuba, kungakhathaliseki ukuba yimali kangakanani, kubonakala ngathi akukho nto iyanako. Kodwa kukho izinto ezininzi onokuzenza ngaphandle ngaphandle, ngakumbi ukuba uceba ukuthenga okubalulekileyo, okufuneka uqokelele isamba esilungileyo.
- Sipheka ekhaya . Okokuqala, nciphise ukutya kwindawo zokutya, iivenkile, ukutya okukhawulezayo . Kuya kuba noqoqosho olungakumbi ukupheka ekhaya. Xa uya emsebenzini, yidla isidlo sasemini nawe. Ukuba yonke imihla uthatha ukutya nawe, endaweni yehambo oluqhelekileyo ukuya kwi-cafe, emva kwenyanga ungagcina kakhulu kule nto.
- Lists . Xa uthengisa, yenza uluhlu lwezona zinto ziyimfuneko ekhaya. Cinga ukuba ubale kangakanani ukuba uthabathe imali kule mveliso kwaye ungathathi imali enkulu kunye nawe.
- Imveliso efanelekileyo . Thenga kuphela ezo mveliso eziya kunceda. Ukunciphisa kwi-chips, abaculi, amanzi amnandi kunye ne-confectionery. Kunoko, thengisa izityalo kunye nemifuno. Musa ukuthenga nayiphina imveliso egqityiweyo. Kuya kuba yinto ephantsi kwaye iluncedo ukuthenga iimveliso eziyimfuneko kwaye uzilungiselele.
- IBiggy Bank . Zama ngaphakathi kwenyanga ukuthenga yonke into eyona nto ibalulekileyo, kunye nemali ongayichitha kwizinto eziqhelekileyo okanye iinkonzo, zikhuphe. Ekupheleni kwenyanga, uya kubona ukuba lukhulu kangakanani.
Indlela yokufunda ukuhlala ngokwezoqoqosho ngokwemvuzo omncinci?
Ukuze ufunde indlela yokwabiwa kakuhle kwemali yakho inokwenzeka ngemali encinci.
- Nika izinto ezixabisekileyo, ezinokuthi zitshintshwe ngexabiso elincinci kwaye aziyi kuba nzima kumgangatho. Apha, umzekelo, unako ukusindisa ngokukhulu, ukuba uthenge endaweni yokuhlamba ebiza, i-soda kunye ne- citric acid . Ayibizi kwaye bayakwazi ukucoca phantse nayiphi na indawo endlwini.
- Zama ukugcina kwizinto ezisetyenziswayo. Musa ukukhanya, apho kungekho mntu, kwaye ukuba lobu buchule abusebenzi xa kungadingeki.
- Musa ukuthenga iimveliso ezininzi ngokukhawuleza. Qaphela ukuba abayingozi.
- Jonga ukuthengisa kwisixeko sakho. Baya kuthenga iimpahla ezintle kwixabiso lentengo. Kodwa kwakhona, zithenga kuphela oko uya kuzinxiba ngokwenene, kwaye ungashiyi kude kwikhemitha. Zama ukukhetha iimpahla ezixhomekeke kuzo ukuze zihambelane nezinto ezininzi nezihlangu.