Kuyinto engafanelekanga ukuba ukwenza imali eninzi kuza kubangela uvuyo olungakumbi kunye noxinzelelo oluncinci, kodwa uphando alubonakali oku. Nangona imali eninzi ivelisa ukuxhamla kwesikhashana kunye nezinto ezimbalwa ezintsha, abantu ngokuqhelekileyo bahlengahlengisa indlela yokuphila yabo ngendlela engayinyuli inqanaba labo lonwabo okanye ukunciphisa uxinzelelo.
Iinjongo ezingcono kukuba kukuqonda ngemali onayo: uthenge izinto ezimbalwa ongenakuzidingayo, phuma kwetyala (ukuba ukhona), kwaye uchithe imali yakho kwizinto eziza kukuvuyisa kwaye ukunciphisa izinga lakho lokuxinezeleka, kuquka nekamva lakho. Oku kudala ngakumbi ukuvakalelwa kwenkululeko kunye nenkululeko yokuzikhethela kunokuba ube nemali eninzi kodwa uchitha yonke into kwiimidlalo ezibiza kakhulu. Ezi zilandelayo zindlela eziphathekayo onokukwazi ukuzibuyisela imali zakho ngeendlela eziza kunandisa ukonwaba nokunciphisa uxinzelelo.
1 - Sika kwiTyala lakho
Ukuba unetyala kwaye kukubangela uxinzelelo , khangela izinto ongazinqumla kwisabelomali sakho (njengemigxobhozo eyongezelelweyo yokutya, ukutya okudliwayo kunye neengubo ezintsha ongazidingayo) kwaye uzibeke ekuhlawuleleni kwikhadi lekhredithi ityala. Ekugqibeleni uza kuba nento oxabisa ngaphezu kwezi zinto ezongezelelweyo: ithuba lokukhulula imali kunye nokuthula kwengqondo.
Oku kunokuba ngumngeni wokuqala ngenxa yokuba ezi zinto zongeziweyo ziyakuthi zithengwe ngenxa yokulungelelanisa, kuba i-pick-up-me-up, okanye nje ngomkhwa - kunye nemikhwa kunokuba nzima ukutshintsha. Okubalulekileyo apha kukuguqula isigxininiso sakho, okanye intsingiselo oyifakile kulezi zinto ezingaphezulu. Umzekelo, emva kokuchonga umkhwa wokuchitha ungathanda ukutshintsha (njengokwakheka kwekhofi yeefefti), ungagxininisa ngakumbi ngendlela oya kuvuya ngayo ngokulondoloza imali kunokuba ungayonwabela njani imizuzu embalwa yolonwabo oyifumanayo ukunyangwa. Okanye ungatshintsha umkhwa wakho ngokutshintshwa kwindlela yokuphatha kunye nolonwabo lwezinto ezingenakulahlekelwa nto, okanye ubuncinci into ephantsi.
Unokuthatha amanyathelo omntwana ekuqhubekeni kwenkqubela phambili, kwaye usenza inkqubela phambili ekuhambeni kwexesha, kunye noxinzelelo oluncinci. Cinga ngento ekukunika ngayo inqanaba elikhulu lokulondoloza kunye nemali engaphantsi koxinzelelo; yenza okukusebenzelayo. Kodwa naziphi na utshintsho ozenzayo kule ngcebiso zinganciphisa uxinzelelo ngokukunceda ukuba ulondoloze.
2 - Yiba yi-Smart nge-Spending
Ukususela ngoku, ngaphambi kokuba uthenge izinto ezintsha, cingisisa ukuba ngaba baya kuphucula ngokwenene umgangatho wobomi bakho, ukuba ngaba baya kubangela uxinzelelo (ekubeni nemali encinci) kwaye ekugqibeleni ungeze i-clutter ekhaya lakho. Ukuchitha ngaphantsi kunokunciphisa uxinzelelo.
Oku kudla ngokulula kunokuba kwenziwe (ngokukodwa xa uthengela njengempendulo yokunyamezela), kodwa kukho ezinye izinto ongayenza ukuze kube lula. Ezi zicwangciso zinokukunceda uchithe imali encinane kwaye ujonge izinto onayo.
3 - Sebenzisa Imali Yakho Ukwenza Oko Wenene Ufuna Ukukwenza
Emva kokusika izinto ezingaphezulu kwebhajethi yakho, ukuba ungenayo imali eninzi yokuhlawula, unokucinga ngokuqesha abantu ukuba benze izinto ozithiyileyo, ezithatha ixesha kude nemisebenzi oyithandayo ukuba uyenze.
Umzekelo, unokuba umntu eze kwaye ahlambulule indlu yakho ngoxa uthabatha abantwana bakho epakini; Unokuqesha umncedisi emsebenzini ukuze ucime umthwalo wakho wokusebenza ukuze ufumane ixesha elide; ukuqeshisa umntu ukuba ancede ukucima indlu yakho inokukhulula ixesha eliza kukuthatha ukuba wenze njalo, kwaye uya kuba neendawo ezininzi zokubuya ekhaya.
4 - I-Old Old Stuff yeZibonelelo ezintsha
Unokucinga ukuba ube negaraji lokuthengisa okanye ukuthengisa izinto kwi-eBay ukuba unayo 'izinto' kakhulu, kwaye uchithe imali ekufundeni, uhamba nekhefu kunye nosapho lwakho, okanye wenze enye into eya kudala iimemori ezintle, ucebise ubomi bakho , kwaye kukunceda ukulwa nokutshiswa. Uphando lubonisa ukuba sinandipha amava ngaphezu kwezinto , kwaye ukutyalomali kumava kukusetyenziswa kakhulu kwemali yethu.
Kungenzeka kube yimpumelelo yokulwa noxinzelelo lwezezimali ngokuchitha imali kumava kunokuba ulondoloze kuphela, kodwa ukuchitha imali yakho ngokufanelekileyo kodwa ngokuhlakanipha ngale ndlela kunokukunceda uhlale ukhuthazwa ukuba ungabonakali. Inokukunceda uhlale unesizathu sokutshintsha indlela ochitha ngayo imali. Kodwa ngokuyininzi, kunokunciphisa uxinzelelo kwaye kukuncede uzonwabele ubomi bakho.