Indlela yokuyeka ukusebenzisa imali: Yeka ukuchitha kakhulu

Isenzo sokuchitha imali asikruquki. Nyaka ngamnye, abantu baseMelika bangena nzulu nangakumbi ematyaleni. Umndilili waseMelika ebesematyaleni ngo-2021 96.000371 lilonke ityala lomntuOku akubandakanyi imali yokubambisa. Ngokukhula kokuthandwa kweewebhusayithi zokuthenga, ezinje ngeAmazon, ukuchitha imali kuye kwaba nomtsalane ngakumbi.

Ukuba uvula isikhangeli sakho, ufumana iintengiso ezininzi ezibonelela ngeemveliso ezihambelana nezinto onomdla kuzo. Usenokuzifumana unikela ngenyanga emva kwenyanga kwaye uthenga izinto ongazidingiyo.

Kwaye ngoku ulungele ukuphelisa oku kuthengwa. Okulandelayo, siza kuchaza ezinye iingcebiso eziphambili zokuyeka ukuchitha imali ongenayo.

Nazi iindawo ezi-5 apho unokuyeka ukuchitha imali

Ezi ndawo zi-5 zingundoqo ekunciphiseni iindleko zakho kunye nokuthintela inkcitho engaphezulu kwixesha elizayo. Ngaba:

1. Ukutya ngaphandle kunye nokutya okungaphekwanga
2. Izixhobo kunye nempahla
3. Ikofu ephezulu
4. Ziphephe izinto ezingeyomfuneko
5. Amakhadi ekwereta

Masingene kwezi ngxaki zenkcitho. Unokufumanisa ukuba ngawaphi amanyathelo onokuthi uwathathe ukuze uphephe ukwenza iimpazamo ezinkulu zenkcitho kwaye unciphise inkcitho yakho engaphezulu.

1. UTUngalawula inkcitho yakho yokutya Ukutya ngaphandle / ukuthengisa ngaphandle kwezibonelelo

Emva kweveki enzima, into yokugqibela ofuna ukuyenza kukuhlala phantsi phambi kwesitofu ukupheka. Awunayo enye indlela ngaphandle kokuya kwi-intanethi kwaye ubeke iodolo. Ungabeka iodolo kwi-intanethi, phumla esofeni kwaye ubukele uthotho lwakho oluthandayo. Netflix.

Nangona isenokubonakala ngathi yingokuhlwa emnandi, usenokuba kwithambeka elimtyibilizi kwindlela yokuphila enengeniso ephantsi. Kwi-avareji, Usapho lwaseMelika luchitha i-$3.000.008 kwiivenkile zokutyela.. Ezo $20 okanye i-$40 yokutya idibanisa ngokukhawuleza, akunjalo?

Okanye nantsi enye imeko. Xa udlula ngasevenkileni, uvele uphelelwe zizinto. Njengoko uhamba kwiiholo, wenza uqikelelo olufundileyo malunga nento engekhoyo ngenxa yokuba inkumbulo yakho isabukhali, akunjalo?

Impazamo. Xa ufika ekhaya, ufumanisa ukuba usenamaqanda, kukho iziqhamo obuzilibele nesonka esifihlwe ekoneni. Uzithenge zonke kwakhona. Ngoku unazo iikopi Uyazi Ezinye zazo ziya kuchithwa.

Yintoni onokuyenza kwezi meko ukunciphisa inkcitho yokutya? Unobomi obuxakekileyo kunye nomnqweno wokutya ngokukhawuleza, ngokulula nangexabiso eliphantsi. Uhlangabezana njani nale nto?

Yenza uluhlu lokuthenga

Ukuba awunalo uluhlu, hlala kude nevenkile. Uluhlu luqinisekisa ukuba uthenga kuphela oko ufuna ngokwenene kwaye lususa naliphi na ithuba lokwenza impazamo.

Funda ukuthi "hayi" xa ufuna

Ukuba ubomvu nyanga zonke, kodwa usaphuma ukuya kutya nyanga zonke xa ungakwazi ukuthenga, kufuneka uphinde uhlolisise indlela osebenzisa ngayo imali. Qonda ukuba awuthi hayi kubuhlobo bakho, kodwa uthi hayi kwindlela yokuphila ephazamisa uqingqo-mali lwakho.

Yiba neeresiphi ezikhawulezayo nezilula zokuya kwezo ntsuku xa ungenalo ixesha

Ayinakuphepheka. Oku kuyenzeka. Isilingo sokuodola ukutya kwi-Intanethi sinamandla. Into elumkileyo yokwenza kukugcina iseti yeeresiphi zokukhupha ezikhawulezayo kwaye zilula ngobo busuku xa ungenaxesha. I-Pinterest yindawo entle yokufumana iiresiphi ezikhawulezayo nezilula. Uninzi lwazo lubandakanya uluhlu lokuthenga.

2. Musa ukuchitha imali kwiimpahla ongazi kuzinxiba.

Ngaba wakha waba naloo maxesha apho inkangeleko yakho yayintle kangangokuba wonke umntu wayekuncoma ngayo?

Ngokuqhelekileyo akubangelwa kukuba unxibe into entsha. Kungaphezulu kuba le nto ubuyinxibile ibikufanela kakuhle. Yayilingana ngokugqibeleleyo okanye umbala owenza ulusu lwakho lubengezela.

Iimpahla ezintsha azisoloko zisinika ulwaneliseko esilufunayo. Ngamanye amaxesha sinokuzishiya kwikhabhathi ngaphandle kokuzinxiba, kuba oko kukhangeleka kukuhle ngokusebenzisa izibane zegumbi lokulinganisa akusoloko kunomtsalane kangako xa sifika ekhaya. Zihlala zikhohliwe kwaye zishiywe ziqokelela uthuli kwi-closet.

Kufuneka kubekho indlela engcono. Nantsi indlela:

Yenza i-wardrobe ye-capsule

Iqulethe ezimbalwa ezisisiseko, iziqwenga ezisemgangathweni onokuzisebenzisa unyaka wonke. Ngelixa ukuyo, funda ukwenza enye.

Kufuneka unakekele iimpahla zakho

Unokonga imali ngokunyamekela iimpahla onazo. Oku kuthetha ukuba uya kuchitha imali encinci. Khumbula ukuba iimpahla ezicocekileyo nezihlanjwe kakuhle zinomtsalane ngakumbi Impahla Ukuchitha imali kwizinto ezibizayo akunyusi ukuzithemba kwakho.

Ukunika impahla ephelelwe lixesha i-makeover, funda indlela yokusebenzisa izincedisi

Isinxibo singaphezulu nje kweqhekeza lempahla. Kungaphezulu nje kweqhekeza lempahla. Impahla inokubandakanya iinwele, izihlangu kunye nezixhobo. Unokunika inkangeleko entsha kwisitayile esidala ngokutshintsha izixhobo.

3. Ungayeka njani ukuthenga ikofu ebiza kakhulu?

Siyayiqonda. Kwabanye, ukusela ikofu kufana nokuphefumla umoya omtsha. Ikofu inokwenza okanye ikuphule imini yakho. Kodwa oko akuthethi ukuba kufuneka waphule ibhanki ukuze ujabulele izibonelelo zayo.

Ukuba ungumntu osela ikofu enkulu, uneendlela ezininzi ongakhetha kuzo zokukunceda ugcine iindleko ziphantsi. Nantsi eminye imizekelo:

• Ikofu ekhaya. Ungagcina ngokulula ukuya kuthi ga kwi-20 yeedola ngeveki ngokwenza oku.
• Qwalasela ezinye iindlela Ikomityi elungileyo yeti, edla ngokuba zizityebi kwi-antioxidants kunye neeminerali, iya kuba yinto entle kakhulu.
• Yehlisa ukusebenzisa kwakho ikofu ukwenza kube lula ukusela amanzi amaninzi Okanye ezinye iinketho ezinempilo njengamanzi ekhokhonathi.

4. Chitha imali encinci kwizinto ezingeyomfuneko kunokuba uyidinga ngokwenene.

Ukuthenga kwi-Intanethi akuzange kube lula. Ukucofa okukodwa kwaye uya kuba nayo yonke into oyifunayo ngexesha lokurekhoda. Enkosi, Amazon.

Nangona oku kunokubonakala kumnandi, kunokuphelisa ukuba unokuba lixhoba le-shiny object syndrome. Usenokuba uyazibuza ukuba imalunga nantoni. Ngamafutshane, ulixhoba le-shiny object syndrome ukuba uqinisekile ukuba uthenge izinto ngokuzenzekela. Ukhuthazwa ngakumbi ziimfuno zakho kuneemfuno zakho kwaye uthatha izigqibo zokuthenga ngokukhawuleza.

Kukho izicwangciso ezinokuthi zisetyenziswe ukunqanda le ndlela yokuziphatha:

Gcina imali yakho ikufutshane nawe

Awukwazi ukuthenga izinto ezingacwangciswanga kwi-intanethi ukuba awunayo imali. Awunakukwazi ukuchitha kwi-Intanethi, ke kuya kufuneka ube nemali yakho esandleni.

Uyakwazi ukulandelela iindleko zakho

Amaxesha amaninzi, xa singenalo nofifi lokuba yimalini esiyichithayo, kusenokwenzeka ukuba sicinge ukuba iseninzi imali apho ivela khona. Nangona kunjalo, iiakhawunti zethu zebhanki zibalisa ibali elahlukileyo.

Thatha imizuzu emi-5 ngosuku ukujonga ibhalansi yebhanki yakho

Ngokunxulumene noku kungasentla, ukuba awuyazi ibhalansi yakho yebhanki, uya kuqikelela kakhulu onakho kwiakhawunti yakho.

Funda ukuba yintoni ekukhuthaza ukuba usebenzise imali

Ngaba uchitha ngaphezulu xa ukunye nabahlobo bakho? Ngaba ukhangela i-Intanethi ngakumbi? Ngaba uyathanda ukuhamba kwiindawo zokuthenga? Ungayinciphisa inkcitho engeyomfuneko ngokuzazi kwaye uqonde ngakumbi xa uchitha.

Zivumele ucinge okomzuzwana

Ngamanye amaxesha ukuthatha ixesha lokucinga ngenene malunga nokuba into ocinga ukuyithenga iyimfuno okanye imfuno inokukunceda ukuba ucacelwe malunga nokuba kufuneka uchithe imali kuyo okanye hayi.

5. Ungayeka ukuchitha imali kwikhadi lakho letyala

Ukukhawuleza ukuya ematyaleni kunokuququzelelwa ngamakhadi okuthenga ngetyala. Unokuwayeka ngokupheleleyo amakhadi okuthenga ngetyala ukuba ukufumanisa kunzima ukugcina imali yakho iphantsi kolawulo. Umthetho wamatyala ekhadi letyala lase-US unqanda ukukwazi kweentsapho ukutyala imali nokudala ubutyebi bekamva labo.

Ukuba ngoku uthembele kwikhadi lakho letyala ukuze likuncede uhlangabezane neendleko zakho, kufuneka uzihlole ngokunyanisekileyo ukuze ubone ukuba uthembele kwikhadi lakho letyala kuba uzama ukuphucula amanqaku akho, awukwazi ukuqhubeka. ngamatyala akho, ujonge imbuyekezo ngokusebenzisa ikhadi okanye ngaso nasiphi na isizathu.

Ukuba oku kubangela ukuba ungene nzulu ematyaleni, lixesha lokuba wenze okuthile. Nantsi indlela:

Njani bhajethi

Ukwenza uhlahlo lwabiwo-mali kunokuziva ngathi ubaleka ubomi bakho, kodwa olu qeqesho lunokuthetha umahluko phakathi kokuthatha umhlala-phantsi kwangoko kunye nomsebenzi osisigxina.

Uhlahlo lwabiwo-mali lukunceda ukuba wazi kwaye uqonde into oyizuzayo neyichithayo kwaye kukunceda ucwangcise indlela yokonga.

Imali yeyona ndlela ilungileyo.

Awunako ukungahambi kakuhle ngemali. Eyona ndlela ilula yokuphelisa ityala lekhadi letyala kukuphatha imali. Uya kukufumanisa kulula ukuphatha imali yonke indawo.

Ukunciphisa Amakhadi akho etyala

Ukuba unengxaki yokuyeka ukusebenzisa amakhadi akho, unokufuna ukuthatha amanyathelo aqatha abandakanya ukuwabeka kwi-shredder.

Nazi iingcebiso ezine zokuqinisekisa ukuba ulumkile xa uchitha imali yakho.

Inyathelo 1: Fumana isizathu sakho

Xa ubeka injongo entsha - umzekelo, ukuyeka ukusebenzisa imali eninzi - udinga isizathu sokuba ufuna ukutshintsha. Udinga isizathu. A KUTHENI yiloo nto eya kukukhuthaza ukuba usebenze nzima ukuphumeza iinjongo zakho zemali.

Unokuba nabantwana bakho okanye ufudukele kwisixeko esitsha. Enoba yintoni na usukelo lwakho, isenokuba yinto onebhongo ngayo.

Thatha ifoto yayo, uyigcine kwifowuni yakho, seta izikhumbuzi kwikhalenda yakho… ngokusisiseko, ufuna ukuqiniseka ukuba KUTHENI kwakho kuhlala kukho kubomi bakho bemihla ngemihla.

Inyathelo lesi-2 - Chonga izinto ezikubangelayo

Inyathelo lokuqala lokuyeka ukusebenzisa imali ngokugqithisileyo kukufumanisa ukuba ibangelwa yintoni na. Ngaba udla ngokuchitha ngaphezulu xa ungqongwe ngabantu obathandayo? Inokuba xa ujonga into abanye abantu abathumela kuyo Instagram. Kusenokuba njalo xa udlula kwindawo yentengiso.

Emva kokuba ubonile izinto ezikubangela ukuba usebenzise imali, lixesha lokuba usebenze kuzo. Kusenokufuneka uchithe ixesha elincinane nabantu ochitha imali eninzi kunye nabo. Mhlawumbi unokuyeka ukulandela abanye abantu kwi-Instagram kwaye uthathe indlela eyahlukileyo, ukuze ungaqhubeki udlula kwi-mall.

Ungahlala usendleleni ngokuchonga kunye nokujongana nezinto ezikubangelayo kwangethuba kuhambo lwakho lokoyisa imikhwa yakho yokuchitha.

Inyathelo lesi-3: Yenza uhlahlo lwabiwo-mali emva koko uye kwi-debit okanye ukutya ngemali eyimali

Uhlahlo lwabiwo-mali lukuvumela ukuba ulawule umvuzo wakho kunye neendleko. Xa unokulandelela umvuzo wakho, iindleko, kunye nogcino, uyazi ukuba yintoni oshiye ukuyichitha okanye ukuyigcina. Luluvo olulungileyo ukulandelela iindleko zakho ubuncinane iintsuku ezingama-30 ukuze ubone apho ziya khona. Emva koko, fumanisa ukuba yintoni okufuneka uyinciphise.

Uya kukwazi ukubona apho uchithe imali eninzi kakhulu emva kokuyilandela kangangeentsuku ezingama-30. Zininzi izinto onokuzinciphisa okanye uziphelise ngokupheleleyo, njengokutya ngaphandle, ukuthenga, ubulungu bomthambo kunye nobulungu.

Abanye abantu bakufumanisa kungenakuphepheka ukuchitha imali eninzi kunokuba kuyimfuneko. Isenokuba zizinto ezifana nokutshixelwa kwisivumelwano sengqesho, ukuhlawula irenti, okanye ukuba sekupheleni kwekontraka ende enokubiza imali eninzi.

Usenokuzifumana ukule meko. Ukuba kunjalo, kukho iindlela zokunyusa umvuzo wakho. Unokufumana umsebenzi ohlawula ngcono okanye ungaqala ishishini lakho elisecaleni ukuze ufumane imali eyongezelelweyo.

Okulandelayo, cinga ngokulahla amakhadi akho okuthenga ngetyala. Bekela bucala imali emiselweyo nyanga nganye oza kuyisebenzisa ngemali ezinkozo okanye ngamakhadi. Ungayeka ukuchitha xa umda uphelile.

Inyathelo lesi-4: Yenza ngokuzenzekelayo ii-invoyisi zakho

Ukuzenzela ii-invoyisi zakho linyathelo lokugqibela. Ungonga umzamo omkhulu wengqondo ekupheleni kwenyanga ngokuzenzela ii-invoyisi zakho. I-automation yenza kube lula ukulawula iimali zakho kwaye ikuthintele ekubeni uzive usonganyelwe kukudinwa kwisigqibo.

Kuyenzeka ukuba uzenzele utyalo-mali lwakho, ii-invoyisi kunye nokuhlawula amatyala.

Emva kokuba ubeke idiphozithi ngqo kunye nomqeshi wakho, ungaqala ukuseta intlawulo yebhilikhi ngokuzenzekelayo.

Kuba kusenokwenzeka ukuba uneendleko ezininzi, kubalulekile ukungqamanisa imihla yokuhlawula ityala lakho kunye nediphozithi ngqo. Ukwenza oku, fowunela inkampani nganye ehlawulayo kwaye ubacele ukuba bahlengahlengise umjikelo wokuhlawula ukuze uhambelane neentsuku zakho zokurhola.

Ngoku ndiyazi indlela yokugcina imali, ucebisa ntoni?

Ngoku uyayazi indlela yokulawula iindleko zakho, ungayisa kwinqanaba elilandelayo kwaye ucinge malunga nento omawuyenze ngeemali zakho ezishiyekileyo. Zininzi iindlela onokukhetha kuzo ezinokukunceda ufumane umhlala-phantsi owonwabileyo nokhuselekileyo. Ngaba..:

Ungagcina ngaphezulu

Imikhwa ngundoqo ekongeni imali. Unokuqala ukuphuhlisa imikhwa emihle yokonga xa uyeka ukwenza izigqibo ezimbi malunga nenkcitho.

Ngokutsho kophando olwenziwe yiFederal Reserve, amakhaya American amele 40% of Bebengayi kuba nayo imali efunekayo yokuhlawulela i-$400 yonyango olungxamisekileyo nokuba bebekho namhlanje. Unokonga imali ukwenza ingxowa-mali kaxakeka kwiindleko ezingalindelekanga.

Yahlukana namatyala akho

Kubalulekile ukuqiniseka ukuba uwahlawula ngokukhawuleza amatyala akho, nokuba ziimali-mboleko zabathengi okanye yimali-mboleko yesikolo. Unokuba neengxaki ezinkulu zemali ukuba oku kuyenzeka.

Ukuba unengxaki yokuhlawula amatyala akho, ungasebenzisa ubuchule bebhola ekhephu. Le ndlela ibeka phambili ukuhlawula amatyala akho amancinci kuqala. Kuya kukunceda wenze inzuzo ngokukhawuleza ngelixa unciphisa umthwalo otyumzayo wamatyala amakhulu.

tyala imali kwi

Nje ukuba ulungise ityala lakho, unokugxila kwisicwangciso esiluqilima sotyalo-mali. Uya kufuna ukuqiniseka ukuba unayo i-akhawunti yomhlalaphantsi onikela kuyo rhoqo.

Qiniseka ukuba ubhalisela ukuhambelana ukuba inkampani yakho inikezela ngayo. Kufuneka uhlale utyala imali ixesha elide ukuze ukwandise inzuzo yakho enokubakho. Kubalulekile ukuba ungaphazanyiswa kukuguquguquka kwexesha elifutshane lamaxabiso amasheya.

Uphuhliso lomntu

Kuqoqosho lwanamhlanje, akukaze kubaluleke ngakumbi ukuhlala uphezulu kuphuculo lwakho kunye neenjongo zophuhliso lomntu.

Itekhnoloji ihlala iguquka, kwaye izakhono ozisebenzisileyo kwiminyaka emi-5 eyadlulayo zisenokungasebenzi namhlanje. Utyalo-mali kuphuhliso lwakho lobuqu oluqhelekileyo luya kuhamba indlela ende ekugcineni izakhono zakho zisexesheni kwimarike yomsebenzi yanamhlanje.

Fumana nzulu malunga nokunciphisa isixa semali oyichitha ngokungacwangciswanga

Usapho lwakho lunokuba nekamva elingcono lezemali ukuba unokunqanda indlela osebenzisa ngayo imali. Nangona isenokubonakala ingenakoyiswa, khumbula ukuba ukuchitha imali eninzi kusisiphumo semikhwa oyenzayo kubomi bakho bemihla ngemihla.

Ukuba unokuzibekela bucala ngokwenyani ezinye zeepateni ezinokukubambezela umva ngokwasezimalini, uya kuba usendleleni engapheleli nje ekunciphiseni iindleko zakho, kodwa nokuqinisekisa ikamva oliphuphayo.