Yokuntuleka okuyoba inhlekelele imali - yini okumele ngiyenze?

Isimo lapho kungekho imali, kuba ezijwayele cishe zonke umuntu wanamuhla emgwaqweni. Ngo ukuphila kwawo wonke umuntu ayelapho zikhathi lapho izindlela ukuhambisa ekupheleni ngaphambi kwesikhathi ebesibekiwe. Kwasekufanele ukuthi qinisa amabhande abo ukuze sicabange ukuthi kumelwe enzeni lapho ukushoda okuyoba inhlekelele imali.

On the izimbangela jikelele

Ababaningi Ungaqonda ukuthi kungani kungekho imali ngisho amasonto amabili ngemuva kokuthola inkokhelo. Ngokwezibalo, ngaphezu kwesigamu izakhamuzi Russian Awunayo imali eyanele ukuba sibe khona. Aphelile imali kuneNingizimu iholo kufika. Le nkinga kuthinta ngisho kumasegmenti acebile sabantu.

Isizathu siwukuthi ukuntuleka emndenini noma isabelomali siqu baye kuyinsakavukela kithi sonke. Izindleko idlule izimali, ngisho ezingeni likazwelonke - ngokuya zokwabiwa kwezinsiza kusebenza seeMali State. Esinye isizathu Inhloso wukuthi abantu abakwazi ukwehlisa izimfuno zabo. Ngokwesibonelo, intombazane, eqhuba cishe yonke usuku emsebenzini, uphatha ukukhokha irenti futhi uthenge amakha yabo ruble 5000, ethola iholo ayizinkulungwane 14. Yiqiniso, nangu impendulo yombuzo kungani esifushane imali njalo, amanga phezu. Futhi lesi simo ingenye izibonelo ezisobala kakhulu. Umkhakha amafoni ezibizayo, amawashi, imigexo odlulela abantu ku ubugqila bezikweletu futhi uthola ukuthi phakathi kwenyanga ukucabanga ngalokho okufanele ukwenze uma ungenayo imali eyanele.

Izizathu eziqondile

Inkinga yokuqala ukuthi izakhamuzi zombuso wethu abakwazi ukuhlela ibhajethi yakho. Ngaphezu kwalokho, lapho kuziwa pre-ukuthenga, abaningi ibambe ikhanda lakhe, ephethe kude interlocutor ngala mazwi: "Yebo, kufanele ukuthi kungani! Futhi ngakho ngandlela-thile konke kuzolunga! ". Kule ubuhlobo ke unesifo hhayi kuphela esikhwameni, kodwa kamuva esiswini, kanye nezempilo, kanye namanye amalungu omndeni.

Udinga ukuqonda etindzabeni tetimali, kubalulekile ukubheka izindlela ezintsha ukuze uxazulule izinkinga. Khona-ke kancane kancane uzoba sazikhohlwa ukuba acabange ukuthi kungani kungekho imali. Khokha loan, pamper ngokwakho nge kumnandi wembathise wonke umndeni - umthwalo ngokweqile ukuze isakhamuzi isilinganiso. Yini okumelwe uyenze? Hlela ibhajethi. Futhi lapha siphakathi ngokuya isizathu sesibili. Lokhu kuhluleka ukuhlela imali yabo. Lokhu kusho ukuthi umuntu nganoma yisiphi isikhathi Ungathenga into ebizayo, okungadingi ukudlala indima ekuphileni kwakhe esikhathini esizayo. Nakuba kukhona ... Google! Kodwa ngesimo izimali okulahlwayo ukuthi ayehloselwe uhlale kuleli ngesonto eledlule ngaphambi pay.

Ukuqonda ezahlukene ngayinye!

Ngaphambi kokuba siphendule lo mbuzo, "Awunalo imali eyanele bukhoma ku! Yini okufanele ngiyenze? ", Kubalulekile ukuqonda okushiwo inkinga. Kunezindlela eziningana wokubona lesi sikhundla, okuyilezi:

1. Inkulumo ethi "Anginayo imali eyanele bukhoma ku!" Kuzwakala isigwebo sokufa, njengoba isinyathelo ongenakucimeka wokulingwa ukudalelwa, ukuthi akuyona akukho indlela ongeke ukwazi ukuzilungisa. Esimweni esinjalo, umuntu lolu hlobo panics nekucala ngokoqobo ukuluma izindololwane zakho phezu ongenafu, kubonakala, isimo. I esikhwameni uhlala ruble 200 futhi fly walengiswa! Akekho umuntu ofuna ukuba ezimweni ezinjalo, ngoba kusho emakhulwini ambalwa laya kwabangaphezu iholo ngokuba wayehlala ezisemadolobheni? Lonke Iphuzu liwukuthi ukungabi nemali kulolu hlobo lwabantu kuyinkinga inhlekelele ezingeke ixazululwe!
2. Uhlobo lwabantu abaqotho xaxa ibinzana yesibili "Anginayo imali eyanele!". Njengomthetho, ukuntuleka kwezimali, bayaqonda ukungakwazi ukukhokhela izinkonzo. Lapha isimo singekho inhlekelele njengoba kwaba njalo endabeni yokuqala. Ngokuvamile, lolu hlobo abantu abaqotho izinkinga zezimali futhi uzama ukuzixazulula uma kungenzeka.
3. Abantu yohlobo lwesithathu nhlobo ingaba nkulu lapho besekuhluphekeni. Ingqikithi yalo nenkinga uma ungenayo imali eyanele bephila, kuyehla kuphela yokuthi abakwazi ukukhokhela ukuba abe mnandi ngezimpelasonto. Ngakho, zezizathu sokukhathazeka.

Ngokusekelwe ngezigaba encishisiwe, singaphetha ngokuthi udaba incike umbono isimo ngamunye. Kwabanye, ukungabi nemali - kungcono inhlekelele, abanye - ukuntuleka ithuba uchithe isikhathi nabangane phezu inkomishi Latte.

Umthetho main kokuntengantenga kwezimali

Uma ungenayo imali eyanele bephila, kubalulekile ukuba banamathele umthetho cardinal: ungalahli ithemba futhi nethemba. Abantu abaningi bayazi ukuthi kunokushoda kwezimali kuhambisana nokudabuka yokuntuleka induduzo efanele lapho umuntu ngamunye noma umndeni Ufika esetshenziswa. Ngokuvamile ku zikhathi Umholi futhi umondli ecindezelekile. Njengomthetho, ngesikhathi kunezinkinga zemali emkhayeni zikhona izizathu ukuphikisana, Yimpi, nokunye. Kuyisimo esifanayo kancane kancane ashisise kakhulu kangangokuba ngaphambi nje ukudabula.

Khumbula ukuthi nokugcina isimo sokulindela okuhle kuzokuvumela ukugcina ubuhlobo bakho intrapersonal nge nabathandekayo, abangani, umndeni, abaphathi, abazali nokunye.

Ngokulandelayo, umthetho engengaphansi okubalulekile kukhishwe kusukela isimo ngasinye umuzwa omuhle. Kungakhathaliseki angemahle noma uvele ukuphila kwakho, kubalulekile ukubona zonke izifundo eziwusizo bona futhi sizame hhayi ukuphinda amaphutha esedlule esikhathini esizayo. Ukuhlaziya izimo ezingezinhle, kuhlanganise nalezo ezingasebenzisi Awunayo imali eyanele, kusivumela ukuba uthole izindlela ezintsha ekuxazululeni izinkinga, futhi esikhathini esizayo ukuthuthukisa isimo sabo sezimali kanye nomphakathi.

Isonto-to-Iholo. Indlela ukuhlela impilo yakho? Phezulu ezintathu studio!

Vumelana siphile izinsuku eziyisikhombisa ukukhokha ngaphandle ukuzijabulisa, izingubo ezintsha bese uya movie kuyinto ngempela ngempela. Futhi yini okufanele uyenze uma ungenawo imali eyanele yokudla? Esimeni ezimweni ezibucayi nohlelo olukhethekile yakhelwe ngawe:

1. Ukuqoqa yonke imali kuphela ekhaya lakho. Musa nje ukukhokha ngemuva ephuma esitolo, ngeke iwe ekhukhwini ushintsho oluncane, sicabange ngayo enqanda kanjani ngisisho ngekhanda emaphaketheni akhe. Manje sekuyisikhathi sakhe. Ngaphezu kwalokho, ngokuvamile kakhulu singazi phawula ukuthi kubaluleke uhlamvu lwemali esikhwameni wesula odongeni amasonto bengafumani isicelo yayo kanye nokuqaliswa. Abantu abaningi ukuqoqa izinhlawulo ezinjalo angahlubula ku ingcebo ezingalindelekile. Izimali eqoqwe ungachitha travel, ukudla okulula, ezifana irayisi noma nezinye okusanhlamvu, noma yimuphi omunye izindleko esiphuthumayo.
2. Njengoba masinyane njengoba you phawula ukuthi awunayo imali eyanele, kufanele enze uhlu imikhiqizo udinga ukuba khona. Ohlwini kubalulekile ukubeka eceleni lezo zindleko ongazenza ngemuva kokuthola iholo. Zonke izimo ezidinga izindleko ezengeziwe (isibonelo, uhambo nabangani, ukuyothenga, uhambo ibhizinisi ukusebenza kwe-akhawunti yakho), kufanele noma ukhansele noma ihlehlise ukuba nokwenzeka kamuva. Uma echaza isimo, izinkinga oluthile ngosuku oluthile esikhathini esizayo ngeke luvuke.
3. Uncamela imikhiqizo ezishibhile kodwa wanelisa. Njengoba umkhuba ubonisa, lezi imifino, izithelo, okusanhlamvu, inyama kangcono, futhi akukho ayi eziyingozi nokunye. Ngakho wena nje kuphela ukunikeza ngokwabo ukudla, kodwa futhi unakekele impilo yakho.

threesome Landelayo

Lolu hlu olungenhla lwezinto kudingeka ukuba kwenziwe esikhathini esibucayi yezezimali akugcini lapho. Nakani imithetho ezithinta ukubaluleka yesibili, okuyilezi:

• Uma ungenayo imali eyanele ingane, ukuvakasha, ukuzijabulisa, kubalulekile ukuba bayihlole kabusha isimiso sakho sansuku zonke. Kuyadingeka ukuba aqale ukulungisa usekhaya kwansuku zonke. Ezikhathini zobunzima isikhashana kuyodingeka bayakhohlwa isidlo noma kwasemini ezindaweni nokudayisa ukudla okungabizi.

Uma izimo ezinjalo zenzeka kuwe njalo enviable ke bakha for uhlu isabelomali ukudla ezingaba kuyiqede indlala kumuntu olambile. Omama abaningi abasemakhaya, njengoba enjalo, uba jelly noma amathambo eqandisiwe, kusukela lapho ungahlala ukupheka isobho.

On ukuthengwa kwemikhiqizo

Lapho kungekho imali, kutuswa ukuba bathenge imikhiqizo ezithile zonyaka kuphela. Yiqiniso, ngaphandle ubisi, amaqanda nesinkwa, bambalwa abantu bangenza, kodwa ebusika lapho isithelo ungakwazi makudle Mandarin kanye apula, kunokuba namahalananda noma amagilebhisi. Wena lucky kakhulu uma uhlala endaweni lapho ezolimo ithuthukiswe. Esikhathini esifanayo esibucayi, ungakwazi ukuncika mikhiqizo obekufanele abiza kancane.

Ngaphezu kwalokho, unake emashalofini esitolo. Isikhathi esining impela imikhiqizo ophuzi intengo tags elinde umthengi. Kubalulekile futhi ukuhlunga uhlu imikhiqizo kube nezindleko eziphansi. Ngakho, kungcono uthenge 2 Kilos amazambane ngentengo ephansi ngaphandle 3 ushokoledi ngentengo eyodwa.

Mayelana ukuthenga izinto

Uma kwakuba khona nesimo esinzima, kubalulekile ngesikhathi ukuze kukhawulwe yena ukuba ukuthenga izinto. Ingabe uthanda izingubo uphawu nezinye izinsimbi? Sizoba ukuba ibekezele futhi ukuzikhohlwa okunethezeka enjalo.

Lapho isimo kudinga ukuthengwa into, ungakwazi ukukufuna emakethe, ngisho kangcono - ku lesibili ngesandla. Inketho esihle kuyinto yokuthengisa zonyaka, lapho izinto kanye pricey Bathengisa at isaphulelo 50 noma amaphesenti angu-70. Ukuthengwa izingubo ababezidinga ngezikhathi ezinjalo kusiza ugcine amashumi ezinkulungwane ruble.

izinto zokuthutha umphakathi

Uma nsuku zonke lapho uya khona ukusebenza phakathi komuzi, bese ulondoloza ingxenye enkulu isabelomali, ungakwazi ukusebenzisa izithuthi zomphakathi. Ngezinye izikhathi izindleko fuel ephakeme kunaleyo imali lohleliwe, ikakhulukazi kulabo njalo endleleni amacala ibhizinisi ngaphandle kungenzeka uphethiloli inkokhelo evela enkampanini. Nokho, kulesi simo, ngeke kudingeke sikhuthazelele kwaba lokungahlaliseki ukulondoloza imali.

Ungazama futhi uhambo okunye nomuntu asebenza naye. Uma lokhu umngane wakho oseduze, wena ungenza isicelo. Uma kuwukuthi uzakwabo noma umngane, uzoba ukuchitha kancane bese ufaka "ukwabelana" uma udinga ukukhokhela uphethiloli.

ukudayiswa

Izakhamuzi eziningi lapho besekuhluphekeni usebenzisa uhlelo endala ukudayiswa izinto ezingadingekile. Believe me, ezweni lanamuhla, yonke into futhi badayise, nje ukwenza umzamo ngokwanele kuyadingeka.

Ideal yokuthengisa amatshe: izincwadi, izingubo, izinto zasendlini, zonke izinhlobo amaqoqo, imisebenzi yezandla nokunye. Inthanethi esimweni samanje umsizi engcono. Beka ambalwa izithombe kanye nezikhangiso, nemali eside elindelwe ngeke ukukugcina ulindile.

ingxenye

Ezweni lanamuhla unonya ngiziphoqe ukuba ningayeki imisebenzi elilodwa noma amabili, kodwa ezintathu, ezine noma ngaphezulu. Ukungabi bikho kwemali sicindezelwa ukufuna izindlela ezintsha abahola.

Omunye ethandwa kakhulu is freelancing. Kuze kube manje, i-Inthanethi lenqwaba amathuba, isibonelo, ungafundisa izilimi zakwamanye amazwe online, bhala izihloko zesayensi noma isiko, ukuhlanganyela website design nokunye. Inani elikhulu amakhono akhethekile onazo, kuba lula ukwenza imali enkulu World Wide Web.

Kude ukuphuma

Lapho imali ingasekho nhlobo, abantu bangakwazi yini ukukufinyelela simo ukuthi tolknot ukuba enze ubugebengu. Ukuze bazivikele izinkinga ezinjalo, ungasebenzisa amasevisi kohlelo yasebhange, okungukuthi ukukhipha ikhadi lesikweletu.

Kulesi simo kubalulekile ukwazi umqondo Ingxenye futhi singanqotshwa uphuzo umuzwa ukuyekelela nezisetshenziswa ongashi. Lapho uthenga nale dokhumenti plastic, khumbula ukuthi ukupha kuyodingeka isithakazelo. Ukwenza i-credit card yindlela kakhulu yokuxazulula le nkinga, njengoba amabhange amakhulu eminyaka ayezuza izakhamuzi ngongakwazi ukukhokha izikweletu. Uma wazi ukuthi endaweni ethile ekujuleni komphefumulo wakho shopaholic, bheka ukuze ubone ezinye izinketho ukuthola imali ukuze uhlale.