Ukuchitha imali ngumsebenzi obalulekileyo, ngoko kunokuba nzima ngabantu abanenkathazo yokuthengwa kwempahla yokuyeka ukuchitha imali ngenxa yokuba kufuneka uqhubeke nokuthenga xa uzama ukufumana umlutha wakho. Ukwenza izinto zibe zibi nakakhulu, ukuthenga ngokunyanisekileyo akubonakali njengengxaki ehlukileyo, nangona ingaba uphawu lwezinye iingxaki zempilo yengqondo, njengengxaki yokuguquka kwengqondo .
Ngoko ke, kubalulekile ukubona ugqirha wakho ukulawula enye ingxaki ephathwayo. Okwangoku, eli nqaku lixubusha eminye yemigaqo-jikelele yokuthintela imithwalo yakho yokuchitha imali ekubangela ukuba ube neengxaki ezinzulu.
Gcina iindleko zakho zokuphila kuqala
Akunandaba nokuba uhlaselwa yintlalontle okanye uphila ubomi bobutyebi, ngaphambi kokuba uchithe nantoni na, hlawula iindleko zakho zenyanga. Uyazi, ezo ndleko ezinzima kodwa ezibalulekileyo ezifana nerenti, umbane kunye nokutya. Ukuba kukho naziphi izinto ezingabalulekanga ozenzayo, njengefowuni, i-intanethi kunye neendleko zokuhamba, zihlawulele phambili, nazo.
Ukutya kukuthengwa kakhulu kukufumana okulungileyo kuba ufuna ukutya okutsha ngokukodwa ngeveki. Ngoko isitotho kwizinto ezingenakonakalayo ekuqaleni kwenyanga, kwaye ubeke eceleni ixabiso onokulifumana nganye ngeveki ukugcina izithelo, imifuno kunye nemveliso yobisi.
Gwema ukungena kwiTyala
Ifowuni eqhelekileyo yokugqithisa i-credit card.
Kuyakhawuleza kwaye kulula, ngoko unokwenza lula ukuthenga . Ngomxholo othi "uthenge ngoku, hlawula kamva", ungazikhupha i-akhawunti yakho ngenyanga ezayo kunye nale nyanga. Ngoko xa uhamba ukuya kwiivenkile, thatha nawe kuphela imali oyikwazi ukuyisebenzisa.
Ukucima ityala lakho lekhadi lokuthenga ngetyala kunye nokudibanisa amakhadi enkokhelo kuya kunceda ekuphuculeni ukulinganiswa kwesikweletu sakho, esinokuchaphazela ngaphezulu kokufikelela kwakho kwikamva.
Gcina umkhondo weeNkcitho zakho
Qala ngokwenza icebo lokuchitha, uze uzame ukunamathela kuyo. Ukuba unomdla wokuchitha nantoni na eseleyo emva kokumboza oko kufakwe kwisicwangciso sakho sokuchitha, ubuncinane qalisa ukwenza ingqalelo yengqondo - inqaku ebhaliweyo libhetele ngakumbi - yintoni oye uhlawule ngayo. Ukuba kungabalulekanga (njengeempahla ezongezelelweyo, izicathulo okanye ezinye iifowuni, okanye i-electronics), zibeke umda - zingaphi na ngamnye onokuzifumana, ngokwemali, ukugcinwa kunye neendleko zomzwelo. Gcina zonke iirisithi zakho.
Ukuba ufumanisa ukuba unayo imali ekuthengeni okungadingekile, buyisela into onokuyenza. Kwaye nantoni na ongeke ukwazi ukuyithwala, yikhiphe i-predecessor yayo (ukuba ufanele ube nezicathulo zomklami ozifumene i-$ 100, unikele ngebhanki elixhasiweyo elincinci elincinci kwintando). Ubuncinci awuyi kuphazamiseka ngokuzibamba kwakho, kwaye uya kuba nokusebenzisa okuthengayo.
Musa ukunyanzeliswa ngezaphulelo
I-Shopaholics iyakwazi ukulingwa ngeelaphulelo. Kubonakala ngathi yindlela onokuyenza ngayo ikhekhe kwaye uyidle nayo - usenokuziva ugcina imali ngokuthi uchithe into ethile ngesaphulelo. Enyanisweni, usayi kuba sesikhwameni.
Ngalo lonke ixesha xa ulingwa ngumntu onokubonakalayo, zibuze, "Ngaba ndiyayifuna?" kwaye "Ngaba ixabiso elipheleleyo?" Kuphela ukuba impendulo inguye ebo bobabini, xa ufanele uyicinge.
Imithombo
DeSarbo, W. & Edwards, E. "Iifayile zokuziphatha ngokunyanzelayo: Iindlela zokunciphisa iqoqo leqela." I-Journal ye-Psychology yabathengi, 5: 231-262. >>> 2008.
Benson, A. Ukuthenga okanye ukungawathengi: Kutheni siThuthukisa kunye nendlela yokuMisa. ELondon: iTumpet. 2008.