Ukulondoloza isabelomali somndeni: amathiphu nezimfihlo

Ucwaningo lwamuva lubonise ukuthi ngaphezu kweminyaka eyishumi edlule, izindleko zokukhulisa izingane ziye zaphindwe kabili. Ngisho noma ngabe ingane izokwazi ukwelashwa mahhala, zihambele izikhungo zezemfundo zikahulumeni, uye emnyangweni webhajethi yeyunivesithi ukuze uyikhule, abazali bazodinga isilinganiso samaRuble ayizigidi ezintathu. Esimweni esinjalo, ukusindisa isabelomali somndeni kuqala. Amathiphu akhululwe kulesi sihloko azosiza ukuhlela nokwabela izimali ngendlela efanele.

Ukulungiselela

Namuhla, kufanele uchithe izikweletu eziningi zokudla, imithi, izingubo kanye nemfundo. Imindeni eminingi inzima ukukhokha. Izimfihlo zokulondoloza isabelomali somndeni ziwukubukeza indlela yokuphila, ukunciphisa izindleko zokuzijabulisa nokuzilibazisa. Ngakolunye uhlangothi, abazali abakulungele ukusindisa ezinganeni zabo. Ngakho-ke, udinga ukufunda ukuthi ungabeka kanjani izimali ngendlela efanele ngaphandle kwemingcele eqinile kumalungu omndeni.

Ilondoloza isabelomali somndeni wakho: amathiphu

Ukuze uphile kangcono, udinga ukuthola noma usebenzise kancane. Akuwona wonke umuntu oyokwazi ukubhekana nesisombululo senkinga yokuqala. Umgomo wesibili uphumelele kakhulu. Cabanga ngezindlela eziyinhloko zokonga isabelomali somndeni.

Ukuqaphela

Ngaphambi kokunciphisa izindleko, kudingeka uqonde ukuthi iyiphi imali esetshenzisiwe nokuthi yini ongayigcina. Ukwenza lokhu, kubalulekile ukulungisa wonke amapenseli asetshenziswe phakathi nenyanga. Kakade, ngokususelwa kwimiphumela yesonto lokuqala lokugcina idayari, ungabona izinto ezisebenzisayo ezithi "ugeze" imali esikhwameni sakho.

Ukuze usakaze kahle isabelomali somndeni, kubaluleke kakhulu ukulungisa konke, ngisho nezindleko ezincane kunazo zonke, ngaphandle kokukhohlwa ukuthi ucacise uketshezi, ugwayi, ushokoledi namaswidi ezindlini.

Ukuhlaziywa

Ngemuva kwenyanga yokucwaninga, ungakwazi ukuhlanganisa imiphumela yokuqala. Ukuze uqonde ukuthi ungayilondoloza kanjani isabelomali ngenyanga ezayo, udinga ukwabela izindleko kumaqembu:

• Yingakanani imali esetshenzisiwe kuma-utilities;
• Yingakanani imali esetshenziselwa ukukhokha imali mboleko;
• Iyiphi imali yezindleko kwakuyimikhiqizo yokudla edingekayo;
• Yingakanani imali esetshenziselwa izingubo, imikhiqizo yokuhlanzeka;
• Kungakhathaliseki ukuthi kwenziwa njalo izindleko ezingahlelwe ngezipho, ezokuzijabulisa, itekisi.

Ukunciphisa izindleko

Ukuqapha ukusetshenziswa kwemali kanye nenzuzo manje kuyodingeka ibe njalo. Ukuhlelwa kahle kwesabelomali ukuhlinzekela izindleko ezibhekele phambili nokuzayo. Ukubhala phansi ukuthenga, ungakwazi ukubala ngokuphepha ibhasikidi labathengi bese udela izinto ezingadingekile.

Izinkokhelo ezidingekile azikwazi ukunciphisa. Kodwa ezinye izihloko zingancishiswa. Ukudla okuningi kuthengwa ngenjabulo, hhayi ngokugcina imisebenzi ebalulekile yomzimba. Ukugcina kuqala kulezo zithengi, ngaphandle kwalokho ongakwenza ngaphandle. Ukwenqaba ukudlala ushokoledi emsebenzini uzozuza kuphela impilo. Ukusuka ekuvuseleleni kuyadingeka ukwenqaba, uma kufika ekhaya kusihlwa kuyadingeka etekisi. Futhi uma ungeke uphile ngaphandle komagazini owuthandayo, khona-ke esikhundleni sephepha lephepha, thola i-elekthronikhi.

Ungakusindisa kanjani kumikhiqizo?

Emndenini onesabelomali esincane, i-dinner yokuzikhethela esikhungweni somphakathi ingawabulala kabi iphakethe lakho. Yiqiniso, ukuvakashelwa isikhathi esisodwa kwizikhungo zokudlela kuvunyelwe. Kodwa uma kufanele ushintshe isidlo sakho sansuku zonke ngezindleko zama-ruble angu-150 ngokukhonza pizza, khona-ke uhambo olunjalo kufanele luhlelwe kusengaphambili. Kunconywa ukwenza uhlelo lweviki. Izinsizakalo ezikhethekile ze-intanethi zikuvumela ukuba ulungise imenyu yamasonto onke kuye ngokuthi umsebenzi, izimo zokusebenza, indlela yokuphila.

Ungasindisa kanjani ugesi?

Esinye seziqephu ezibiza kakhulu ohlwini lwamasevisi ziyizindleko zikagesi. Imishini yasendlini yanamuhla yenza ukuphila kube lula. Kodwa uma basebenza ngaso sonke isikhathi, basebenzisa amandla amaningi. Nciphisa izindleko zamathiphu alandelayo alula.

Sebenzisa izibani zokulondoloza amandla

Izibani ezinjalo zibiza izikhathi ezimbili kunokujwayelekile, kodwa nazo zihlala isikhathi eside. Ngokuvamile azifudumali, wonke amandla aya ekukhanyeni. Ukuphila kwemisebenzi ejwayelekile kuyiminyaka emithathu, imali yokugcina minyaka yonke i-ruble 600. Uthuli lungadla "kufike ku-20% wokukhanya." Ngakho-ke, kuyadingeka ukuba usule ngezikhathi zonke izibani zokufakelwa namabala okukhanya.

Lapho ushiya, cima ukukhanya. Ukuze ungakhohlwa lo mthetho olula, ungabhala isikhumbuzi bese usibeka emnyango wangaphambili.

Thenga izinto zokusebenza zeklasi A + futhi ulisebenzise ngokuqinile ngokwemiyalo

Isigaba sobuchwepheshe besimanje A + noma i-A ++ sidla ugesi oluncane kakhulu, kodwa kuphela esimweni sokuthi sisetshenziswa kahle. Uma isiqandisini sifakwa ekhishini eduze kompheki, sizosebenza kwimodi eqinile ukugcina ukushisa okudingekayo. Kuzovela isimo esifanayo uma uzama ukupholisa ukudla okushisayo. Ukuchithwa kwesikhashana kuzokuvimbela ukwakhiwa kweqhwa ezindongeni zekamelo futhi kuncishiswe ukusetshenziswa kwamandla ngokwesilinganiso se-15%.

Amakhomphyutha namaTV asetshenziselwa ukusebenza ngamahora ambalwa ngosuku. Isikhathi sonke esivela kumodi yokulinda, ukufaka ugesi ngamandla. Akwanele nje ukuvala umshini ngenkinobho ekunikezeni amandla. Kudingekile ukuyikhansela kusuka kumthombo wamandla.

Zenza njalo ukulungisa izimonyo

Iphephadonga elikhanyayo kanye nokulala okumhlophe kungakhokha imali engama-80% emisebeni yelanga. Uma kuqhathaniswa, ukukhishwa okukhanya okuvela kumnyama ku-9% kuphela. Kodwa ngaphambi kwephephadonga lokugcoba kufanelekile ukuhlola ikhwalithi yocingo. Ngezinye izikhathi ukwanda kwamandla okusetshenziswa kubangelwa ukugqoka kwezintambo.

Faka izikrini ezibonisa ukushisa

Ukushisa imishini ithola ugesi amaningi ekwindla-ebusika. Uma ufake ifolishi noma i-foam kubhethri, ungakwazi ukuphakamisa izinga lokushisa egumbini ngama-degree angama-2-3. Ukuze uvuselele ekamelweni, kufanelekile ukufaka esikhundleni sezinhlaka zamapulangwe nge-metal-plastiki, noma okungenani ukuvala imifantu.

Ukuhlela nokubhuka

Ukunikezwa kwemali yenyanga elandelayo kufanele kwenziwe kusengaphambili. Lokhu kusindiswa kwesabelomali somndeni. Iseluleko se-gurus sezimali sithi akunzima kakhulu ukusindisa izimali zesikhathi eside. Kwanele ukuhlehlisela u-5-10% ngebhayisikili ngayinye kwi-payday ngayinye. Lesi sikhwama sokugcina singasetshenziswa ekuthengeni okubizayo, isibonelo, imoto noma indlu.

Ukuthengwa okucatshangwayo

Ukuthenga kuphela ngesikhathi sezenzo akuyona indlela engcono yokulondoloza isabelomali somndeni. Kunalokho, ngokuphambene nalokho. Ukuhamba ngezikhathi eziningi zindleko. Kungcono ukuthenga kanye ngesonto, isibonelo ngosuku lokuphuma, bese ulungisa uhlu lwezimpahla ezidingekayo kusengaphambili. Uma kunokwenzeka, hamba uthengisa kungekhozingane. Lokhu kuzonciphisa izindleko ezingaphenduliwe. Yini-ke, ukusindisa isabelomali somndeni? Amathiphu:

• Izimpahla ezilahlayo zigcine isikhathi sokuhlanza, kodwa uthathe imali eningi. Faka esikhundleni amathawula wephepha ngendwangu, futhi esikhundleni samanzi amabhodlela, thola izihlungi emathinini.
• Bamba iqhaza ekukhusheni kuphela uma wazi ukuthi uzosebenzisa zonke izimpahla. Thenga i-conditioner ilineni ngesaphulelo esingu-50% kuphela ngoba siza njengesipho epaketheni le-powder, elingakaze lisetshenziswe ngaphambili, akufanelekile. Kodwa ukubuka izaphulelo zonyaka kufanele ube nesikhathi sokuthenga izingubo ezithengiswayo.
• Uma kunokwenzeka, thola ukudla ezitolo ezifanayo. Namuhla, zonke izitolo ezinkulu zinikeza isaphulelo noma amakhadi okuqoqa kumakhasimende avamile.
• Ukuthenga ezitolo kufanele kwenziwe ngemuva kokudla nokujabula.

Isikhathi sokuthenga

Abanye baye bajwayele ukuthenga zonke izimpahla ezidingekayo zokuphila ngokushesha ngemva kokuthola inkokhelo yabo, kuyilapho abanye besakaza lezi zindleko ezingxenyeni eziningana. Wonke umuntu unquma indlela yokulondoloza isabelomali. Ngakolunye uhlangothi, inkokhelo yesikhathi esisodwa yezinsizakalo, ukuthengwa kwezimpahla kumakhemikhali asekhaya kanye nokudla kukuvumela ukuba ubeke ngokushesha impahla. Ingozi yokuchitha isamba esifanele sokuphumula nokuzijabulisa akuncane. Ngakolunye uhlangothi, izimpahla zokugcina isikhathi eside akufanele zithengwe ngangokunokwenzeka, kodwa zithengiswa ngamanani aphansi.

Sebenzisa amavilophu

Uma izindleko zikhokhwa ezithoweni, kunengqondo ukubeka imali kubo kusukela ngesikhathi sokuthola umholo. Ngalokhu, ungasebenzisa izimvilophu ezinemibala eminingi. Isibonelo, ukuhlehliswa okuvela kwingxenye ngayinye yenkokhelo yokukhokhela izinsizakusebenza emvulophu ebomvu, ukukhokhwa komshuwalense - kuluhlaza, ukuphumula nokuzijabulisa - okuphuzi. Kulokhu, ngisho noma kunezindleko ezingavamile, ungakwazi njalo ukukhokha izikweletu ezikhokhweni ezigunyaziwe futhi ulahle ingxenye yezimali zezinjongo zesikhathi eside.

Inhlangano yokuphumula

Akuwona wonke umuntu ongakwazi ukukhokhela uhambo olubizayo. Futhi akuzona ngaso sonke isikhathi ukufaka imali kuyo izinyanga eziyisithupha. Ngokuvamile inhloso yokuhamba, ikakhulukazi emndenini, ukushintsha isimo futhi ube nesikhathi esihle. Futhi ngenxa yalokhu akudingekile ukuba ushayele komunye umkhawulo wezwe. Ungaya kuhambo oluya edolobheni eliseduzane, uvakashele iminyuziyamu yomlando, imibukiso noma uvele uye ehlathini. I-Bowling, i-park yamanzi nezindawo zokudlala zezingane ngaphandle kokukhangayo, futhi akekho oye wakhansela. Imindeni nezingane kufanele icabange ngokuzijabulisa ekhaya. Ukuphumula nokuchitha isikhathi ngenzuzo kuyosiza imidlalo yebhodi.

Thenga izinto ezisetshenzisiwe

Emasendweni nasezinkundleni ze-intanethi, ungathola inamba enkulu yezimpahla zesekhondi elihle lekhwalithi elihle futhi ngentengo engabizi. Yiqiniso, ukulondolozwa komndeni akufanele kuncishiswe kube yisandla esisodwa kuphela. Kodwa ngezinye izikhathi kunengqondo ukuthenga ibhayisikili noma i-scooter ngokusebenzisa endalini.

Qhathanisa amanani

Emakethe yezinsizakalo zokuxhumana ngezingcingo kukhona ukuncintisana okukhulu. Ngakho-ke, izinkampani zibambe amasheya ngezikhathi ezithile. Ngezikhathi ezithile, udinga ukubuka izindleko zenkampani oyisebenzisayo, kanye nabancintisana, ukuze ushintshe iphakheji enenzuzo ngesikhathi.

Sebenzisa amasevisi ebhange

Amathiphu okusindisa isabelomali semindeni ngesikhathi sezinkinga ngokuvamile zibandakanya isincomo sokugcina imali ebhitshini lasebhange noma ukulondoloza ekhadini. Zombili izinketho zinelungelo lokuba khona, kodwa kuphela ngendlela enengqondo.

Amakhokhethi aseBhange aklanyelwe nje ukuze asindise izimali, kunokuba azandise. Izinga elihlinzekwe lezo zinkokhelo ngokuvamile azidluli izinga lokukhuphuka kwemali. Kodwa uma uzama ukukhipha imali kwi-akhawunti ngaphambi kokuba isivumelwano siphelelwe yisikhathi, ungalahlekelwa ezinye zezimali. Ngaphezu kwalokho, phakathi nesikhathi esibucayi, ukwesaba ukuphuma kwezimali, amabhange aseMelika abeka imingcele yesikhashana ekuphazanyeni kokuqala kwezimali. Futhi ezikhungweni ezinesimweni esinzima kakhulu sezimali futhi ungene ukuphathwa okwesikhashana. Okusho ukuthi, isikhathi sokubuyiselwa kwemali efakwe kwidiphozi sinqanyelwe unomphela. Kodwa lokhu akusho ukuthi izimali zilahlekile kuze kube phakade.

Uma izindaba zezomnotho zingabonakali ushintsho olukhulu ezinyangeni ezimbalwa ezilandelayo, ungenza imali ekhokhwa nganoma yiluphi ibhange lebhizinisi. Futhi ungakhathazeki ngokuphepha kwezimali. Kwezinye izimo:

• Yenza idiphozi kuzikhungo zezimali zikahulumeni, isibonelo, iSberbank;
• Funda ngokucophelela inkontileka nebhange;
• Ukuze uvule idiphozi, futhi ungatholi isitifiketi sokulondoloza ;
• Vula idiphozithi yesikhashana esifanele ukuthi kungenzeka ukukhuliswa.

Inkokhelo ngekhadi lesikweletu ayifaki ukulahlekelwa imali. Kodwa ucwaningo lwamuva luye lwabonisa ukuthi kulula kakhulu kwengqondo ukuthi umuntu ahlukane nezibalo ezingabonakali kunokuba enezingcezu zangempela zephepha. Ngakho-ke, ukusetshenziswa okuqhubekayo kwepulasitiki kungaholela ekulahlekelweni kokulawula izindleko. Ukugwema inkinga enjalo, sebenzisa isevisi yezaziso ze-SMS noma ulande uhlelo lokuphathwa kwe-akhawunti yeselula efonini yakho. Kuphela kulesi simo kuzokwazi ukubuka wonke ama-penny asetshenzisiwe. Ingabe ibhange alihlinzeki ngokubhalwe okuningiliziwe kwenkokhelo ngayinye? Thatha umkhuba wokutadisha isibalo ngasinye kwisheke.

Ekuphethweni

Izeluleko ezinikeziwe zokulondoloza isabelomali somndeni enkingeni akufanele kuthathwe njengomhlahlandlela oqondile wesenzo. Lezi zincomo nje zokunciphisa izindleko. Ukuze ujwayele ngisho nemisebenzi elula, kuthatha isikhathi. Kodwa umphumela uwufanele.