Iindlela ezili-15 zokuyeka ukuthenga inkunkuma ongayifuniyo

Ungagcina i-10.000 yeedola ngonyaka ngokuchitha nje i-27,39 yeedola ngosuku. Hayi? Nam andikwazanga. Ndaziva ndingaqhelekanga xa ndiqala ukubona i-hashtag Instagram. Kwakulula ngolo hlobo ukonga imali eninzi. Yayiyindlela entle yokubona ukubaluleka kokulahla izinto ezingeyomfuneko. Kwakungenakwenzeka ukuba ndenze oku njengengcali yezemali kunye nombhali. Ubungachithanga mali ininzi kwizinto ezingafunekiyo ongazisebenzisanga?

€ 27,39 / usuku lwamandla: Inkuthazo yokuyeka ukuthenga inkunkuma

Imikhwa yam yokuchitha ngamanye amaxesha ayidlali. Abantu bangabantu, kwaye ndiyakwazi ukuthethelela ukuchitha i-20 yeedola kwindawo ekuJoliswe kuyo okanye kwindawo yokutyela. Mna nabahlobo bam sonwabele ikofu etyiwayo nangaphezu kweyethu.

Kwaneendleko ezincinci zemihla ngemihla zinokudibanisa ngokukhawuleza ukuya kwiimali ezinkulu, yiyo loo nto bekubuhlungu xa ndicofa amanani.

Iveki ixabisa i-$191,73 ukuba uphinda-phinda i-$7 ngesi-27,39. Phinda-phinda i-$ 191,73 nge-52? Yiloo nto i-$ 9.969,96 eyaneleyo ukukukhuthaza ukuba uyeke ukuthenga inkunkuma engenamsebenzi. Ungagcina i-$27,39 ngosuku kwaye ufumane phantse i-10.000 yeedola ngonyaka ngokugcina i-$27,39.

Iingcebiso ezili-15 zokuyeka ukuthenga izinto ongazidingiyo

Injongo yam ayikokuthenga izinto endingazisebenzisiyo, kwaye ndingathanda ukwabelana nawe ngaloo nto. Nanga amanye amacebiso endiwaqulunqileyo ukukunceda ufezekise iinjongo zakho zemali.

1. Fumanisa ukuba kutheni uthenge le nkunkuma.

Ukuyeka ukuthenga inkunkuma ongayifuniyo, into yokuqala ekufuneka uyenzile kukuqonda ukuba kutheni. Ayiqhelekanga ukuba ndithenge icandelo ledartboard ekuJoliswe kulo. Ndiyazi ukuba ndandilikhoboka lokuthenga xa ndandiselula, ngoko ndinebhokisi yezixhobo zengqondo endincedayo ukuze ndingabi likhoboka.

Usenokungabi yi-shopaholic njengam. Ngokuchasene noko, unganikezela kwizilingo zokuthenga kwi-Intanethi Isiphumo seDiderot. Ungayeka ukuthenga inkunkuma ongayifuniyo ngokuchonga into oyithengayo.

Ngaba kukukruquka? Ubulolo? Ngaba uzama ukucombulula ingxaki kodwa awukakulungeli ukuzihlolisisa? Akusoloko kulula ukubona ingcambu yokuthenga kwethu. Nangona kunjalo, sakuba senjenjalo, siyakwazi ukuziphilisa kwaye siphuhlise imikhwa engcono yokwenza imali.

2. Ukuzikhuthaza, khetha injongo yemali

Imali oqala ukuyigcina kufuneka ibe nenjongo. Oku akuthethi ukuthenga inkunkuma eninzi.

Unokucinga ngokucwangcisa iholide, ukulungisa ikhaya lakho, okanye ukuthenga izinto ezinkulu njengemoto entsha. Ukuba ndiyazi ukuba ndonga imali kwinto ethile, inombolo yam yenqwelo yeAmazon yile ilandelayo.

3. Ungajonga yonke into osele unayo.

Uya kumangaliswa ukuba zingaphi iipeni ezikwingqokelela yakho. Usenokuba neepere ezimbalwa zezihlangu ongazinxibiyo. Ungathenga nezinto zokudlala zekati. Ungachonga ukuba zeziphi izinto osele unazo kwaye zeziphi ongazidingiyo. Oku kuya kukukhuthaza ukuba uthathe inyathelo elilandelayo kuluhlu lwakho.

4. Lahla yonke into ongayifuniyo

Nje ukuba uthathe uluhlu lwezinto zakho, ungaqala ukususa izinto ongasazidingiyo. Ezi zinto ziquka iimpahla ezigqithisiweyo (ewe, kulungile ukuba uneejezi ezintlanu ezinemibala eyahlukeneyo), kunye neemveliso zempilo kunye nobuhle, kunye nempahla yasekhitshini.

Kungabonakala kunzima ukukhupha, ke ndicebisa ukuba uqale kancinci Iintsuku ezingama-30 zomdlalo we-minimalism Ulahla into yendlu enye ngosuku ngalunye udlala umdlalo.

Ngomhla woku-1, uya kunika into enye. Ngomhla we-1, uya kunika izinto ezimbini, njalo njalo. Uya kuyicoca indlu yakho kwizinto ezingaphezu kwama-2 ekupheleni kwalo mngeni.

Unokufunda kwakhona inqaku lethu ngamanyathelo amathandathu aya kukunceda uchithe indlu yakho. Nikela, izipho kubahlobo, okanye uthengise izinto zakho ezingasebenziyo kwi-Poshmark kunye ne-FB Marketplace.

5. Sebenzisa inkcubeko yokukhansela kwi-imeyile yakho.

Ungazikhupha kuyo nayiphi na i-imeyile ekwibhokisi yakho yangaphakathi ngokuyibrawuza Kufuneka urhoxe kuye nawuphi na umthengisi onikezela ngeentengiso ezikhanyayo okanye ulwazi lwentengiso. Iidili zeGrouponUnako kwakhona ukuthenga kwiivenkile zesebe ezifana Walmart kunye Kroger. Ukuba awufumani malunga neentengiso, ayingombono olungileyo ukuthenga into elungileyo.

6. Fumana iindlela zokuhlangabezana neemfuno zakho ngaphandle kwevenkile

Kuthatha ixesha elininzi ukuthenga, ukukhangela okanye ukuthenga izinto. Uya kukuqonda oku xa uyeka ukuthenga ngenxa yeso sizathu. Ungafumana into enokuyenza ngexesha lakho lokuphumla enemveliso ngakumbi kwaye ayikruquli.

Eli lixesha elifanelekileyo lokufumana zonke iividiyo zoqeqesho zikaYouTube. Eyona nto ndiyithanda kakhulu ngokungathengi kukuba indinika ithuba lokusebenzisa zonke izinto ze-DIY endinazo.

7. Thatha ikhefu leeyure ezingama-24

Cinga ngokulinda ubuncinane iiyure ezingama-24 phambi kokuba uthenge into oyithandayo. Ungazinika ixesha lobabalo lweeyure ezingama-24 ukuba ucinge ngokuthenga kwakho endaweni yokuthenga ngemvo.

Thatha uluhlu lweemfuno zakho kwaye wenze uluhlu. Emva koko linda de kube lusuku olulandelayo ukuze ubone ukuba kukho imfuneko okanye intswelo.

8. Cwangcisa ukuthenga nayiphi na into ekuluhlu lwakho lweminqweno.

Ungathumela uluhlu lwakho lweminqweno eludongeni kwaye ucwangcise ukuthenga emva kokuzinika iiyure ze-24. Unokuba nezinto ozifunayo kwaye uzithenge. Ukuba ubunecebo lokuzithenga ngobukrelekrele, kungangcono.

Gcina imali encinci ngosuku ngalunye lokuhlawula kwaye ulinde ukuba kuvele isivumelwano okanye ikhuphoni. Ngelixa ndingakhange ndithethe ngokungabhalisi kuyo yonke incwadana yeendaba ekuhendayo, ndicebisa ukuba wonge imali eninzi kangangoko unakho ekuthengeni okwenzayo emva kokwenza uphando lwakho.

9. Qwalasela ubuncinci

Unokucinga ngobuncinci ukuba i-clutter ikukhuthaza ukuba uchithe imali encinci. Nangona i-minimalism inokuthetha izinto ezininzi, kum kuthetha ukwenza okungakumbi ngokuncinci.

Kunokukhulula ukuba nezinto ezimbalwa njengoko ufuna ukonga imali kunye nexesha, kukuvumela ukuba uchithe amandla akho kwizinto ozifuna ngokwenene.

Ukuphila okuncinci Usenokucinga ukuba uthenga izinto ezincinci zendlu yakho, nto leyo ethetha ukuba zininzi izinto onokuzihlamba. Kusenokufana nokuba negunjana elincinane. Akunyanzelekanga ukuba uthenge yonke into.

10. Kuphephe ukuthenga ezivenkileni

Ukuba awuhendeki ukuba uthenge into evenkileni, akunakwenzeka ukuba ungayithengi loo nto kwi-Intanethi. Ungathenga igrosari yakho kunye nezinye iimveliso ezibalulekileyo kwi-intanethi. Awunayo ixhala malunga ukuhanjiswa random abantu. Ukutya kunokucholwa ngemoto yakho.

11. Uhlahlo lwabiwo-mali lwemali luluvo oluhle

Xa isetyenziswe ngokubambisana neemvulophu ze-cashier, uhlahlo lwabiwo-mali olusekelwe kwi-zero lunokugcina ixesha kunye nemali. Ukubeka phambili imali ofanele uyisebenzise kunokukunceda ufumane imali yezinto obungazilindelanga.

Unokubambelela kuhlahlo lwabiwo-mali lwakho ngokuchitha kuphela oko unako. Kungabonakala ngathi i-50 yeedola ngeveki yanele imiqamelo yeeholide. Kodwa ukuba wongeza izinto ezinje ngezinto zokucoca kunye nephepha lendlu yangasese, isenokungabi ninzi kangako.

12. Utshintshiselwano nabahlobo

Ngaba kuqhelekile ukuba abahlobo bakho babe nesixa esingaqhelekanga senkunkuma? Uqaqambileyo! Unokubacela ukuba bakuboleke into ethile okanye bayitshintshise.

Ungayisebenzisa ezimpahleni, kwizinto zasekhitshini okanye kuyo nayiphi na enye into onokuyidinga. Ngamanye amaxesha mna nabahlobo bam sitshintshiselana ngempahla nokuhombisa ikhaya. Ndikwatshintshisa izinto ezihambayo, ifenitshala okanye iimveliso zekati.

13. Unokucinga ngokurentisa into oyifunayo endaweni yokuyithenga.

Fumana indlela yokuqesha izinto kubahlobo bakho ukuba abanazo. I-Lowes kunye ne-Home Depot yenza okufanayo ngezixhobo. Ithala leencwadi likwanezinto ezininzi ezinxulumene nemidiya. Ungarenta iimpahla ngezihlandlo ezikhethekileyo.

14. Qinisekisa ukuba uhlahlo lwabiwo-mali lokuzonwabisa!

Ungayigcina imali yakho ilungile ngelixa usonwabile. Unokonwaba kwaye ungaziva uvinjwa ngokuzinika "mna" imali ngalo lonke ixesha lokuhlawula.

Imali yolonwabo indenza ndonwabe ikofu kunye nesidlo sangokuhlwa nabahlobo. Kuyandonwabisa kwaye kongeza ixabiso kubomi bam.

15 Khumbula ukuba ungumntu kuphela

Ungoyena mgxeki wakho. Zinike ikhefu ukuba wenze impazamo kwaye uthenge inkunkuma. Cinga ngendlela obuya kuvakalelwa ngayo ukuba lowo umthandayo wenze impazamo yokuchitha imali aze athenge into angayidingiyo.

Ngaba uza kubacaphukela ucinge ukuba basilela? Kuthekani ukuba uyababetha kwaye uthethe izinto ezimanyumnyezi ngabo? Ayisiyiyo le nto bendiyilindele. Ububele sisidima.

Ungalibali ezi zinto zibalulekileyo ukuba kufuneka uye kuthenga

Kungokwemvelo ukuya kuthenga. Ngexesha elithile uya kufuna into ongenakuphila ngaphandle kwayo. Ukuba ngokuqinisekileyo kufuneka ube nale nto, sicebisa ukuba wenze njalo.

Sebenzisa intengiso

Thenga izinto ezithengiswayo. Ukuze uqalise kwaye uthenge izinto ezilungileyo, unokuqikelela ukuba into ethile iya kufuneka itshintshwe nini. Khangela kwi-Intanethi ukubona ukuba kukho intengiso yendawo.

thenga isandla sesibini

Ngaphambi kokuba uye kwivenkile ye-thrift, jonga uluhlu lwazo ukuze uqiniseke ukuba banayo into oyifunayo kwisitokhwe. Akusoloko kulula ukufumana into oyifunayo kwiivenkile ezisetyenzisiweyo.

Ukuba ujonge ifenitshala okanye izinto ezinkulu, iivenkile zomthwalo zingalukhetho oluhle. Yiloo ndlela endifumene ngayo isahluli segumbi lakudala nge-100 yeedola kuphela. Ezintsha zibiza kakhulu kwi-intanethi, ngaphezulu kweedola ezingama-300.

Hlala ujonge amakhuphoni, izaphulelo kunye neeapps

Iikhuphoni, izaphulelo, ii-apps kunye neevawutsha zindinceda kakhulu Ukubona ukuba kukho iikhuphoni zeemveliso zasekhaya, khangela i-imeyile yakho yeveki.

Ii-apps ze-Cashback ezifana ne-Ibotta yeegrosari zifanelekile ukuba ziqwalaselwe. Imali ebuyayo inokufunyanwa kusetyenziswa amakhadi okuthenga ngetyala. Abathengi beSephora banokufumana i-8% yembuyekezo yemali ngekhadi labo letyala leMy Capital One

Yeka ukuthenga izinto ongazisebenzisiyo!

Nangona kunokuba nzima ukuthenga ukutya okungenamsoco ongakudingiyo, kulula kakhulu ukwenza isicwangciso sokunciphisa ukuthenga kwakho ukutya okungenamsoco. Uluvo olulungileyo kukufumana umhlobo ophendulayo oza kukwenza uphendule ngelixa utshintsha indlela ochitha ngayo imali.

Yiba nomonde kwaye ukhumbule ukuba ukuphucula imeko yakho yezemali kuhlala kungumsebenzi oqhubekayo. Ungayenza!