Izimpawu nokukholelwa ezeni imali ukuheha ngemali

Namuhla, lapho cishe konke kungenziwa futhi badayise, futhi isimo sezimali oluzinze ivumela ukuba uqaphele yimuphi iphupho eyenzekayo, imali kubhekwa cishe into ihlelo. Abantu bachitha ezempilo, futhi amandla engqondo iminyaka eminingi ukuvikela ukuphila kwakhona kusezingeni eliphezulu. Nokho, kukhona labo abasesikhundleni ukuphishekela izikweletu ezithandwayo zezingoma isebenzisa izimpawu ezahlukene, imali nezinto ezifana namasiko nezinkolelo-ze. Mhlawumbe lokhu kwenza umqondo? Phela, kwenzeka ukuthi ezinye imali flow ngokukhululekile Nokho umuntu ayibukeki benze umzamo okhethekile, futhi umuntu usebenza kusukela ekuseni lize liyoshona futhi basalokhu bengakakwazi angenisa imali esezingeni elifanele.

Kukholakala ukuthi esigabeni sokuqala abantu nje usebenzise ezinye magic, esekelwe eminyaka ubudala Folk ukuhlakanipha, okuyinto manje touted njengoba ibe izimpawu imali ukwandisa imali. Mhlawumbe, abaningi bakubheka sekwenza akuhlakaniphile futhi bachitha isikhathi, kodwa ngokuqinisekile ngeke kube khona labo kakade ku-wallet yakho zazibonela ukusebenza kwamandla magic amasiko ngisho wabona Chile oqondile. Kunoma yikuphi, ulwazi mayelana nendlela ukwandisa ukungena kwemali akusoze engadingekile.

Indlela yokubhekana imali

Namuhla umuntu angathola izinkulungwane izihloko kanye nezincwadi ekhuluma imithetho sokusingatha izimali, kanye ngokuxhumanisa izimpawu yemali nengcebo. Ake ukubazi nge izincomo ezithakazelisayo kakhulu:

• Inhlonipho imali - imfuneko, ukuqaliswa okuyinto uthembisa nohide izinto ezibonakalayo futhi, esimweni okuphambene, ukungabikho yabo ephelele. Kukholakala ukuthi inani lemali kuncike kithi, indlela sizivumele ukuba, eziningi kangaka kuyofika. Kulokhu, akufanele ucabange ukuthi imali eningi, noma esikhwameni sakho can waphinda awunalutho.

• Hlonipha ngemali - loku kufanele ezistakwe ngobunono ukuze lakhe esikhwameni semali. Amahlelo ukukala ephakeme kungcono ukuhlala sihlukile kusukela kokuncane kunakho konke, yebo, kusukela ezintweni ezincane. Ukuze bajabule yimuphi izimali lesifunda, ngisho ezincane, ethi: "Sinike imali kwenza imali", bese ukunikeza impahla kusho ibuye Kunconywa ukuba aphathe.

• Ukubhekisisa ezezimali - wamukelekile ukukhulisa imali etholakele, kungaba izikweletu ezinkulu noma amapeni. Kukholakala ukuthi ngaleyo ndlela yonke ihlola ukuthi umuntu kudingeka sikhokhele noma cha. Nokho, awukwazi imali ezimpambanweni zomgwaqo imigwaqo kanye ekuseni, ngokuba elambile.

• Ukunikeza ezezimali inzuzo unomphela - akufanele "ukufihla" ngaphansi kumatilasi. Imali "uthanda" ukunyakaza - ngcono ukugcina ukonga amabhange kanye ukutshala kwenye indawo. izimpawu imali Abaningi necebo ezihlobene izimali iqondiswe.

izimpawu yaseNdlunkulu ukwandisa imali

Izinkolelo ezinjalo yemali nasekukholelweni ezeni izinkombandlela jikelele ngoba ukuziphatha zokuphila kwansuku zonke ekhaya, okuyinto beza kithi kusukela kudala. Kucatshangwa ukuthi ukuhambisana nabo kuyosisiza ukuba silwe nobumpofu, ukuqeda ekuthengeni izinto ezingadingekile, futhi ukuheha umcebo.

Awukwazi ashanele phansi maqondana ophumayo ekhaya - ngakho uwayehlalise kungaba "sokuxosha" kwezezimali inhlalakahle. Scavenge kufanele kube embundwini emnyango udinga ukugeza phansi nge endaweni efanayo. Ngemva kwelanga kanye kusempondo zankomo ngokunengqondo yini ngobuhlakani imisebenzi enjalo.

Kuyadingeka ukugcina zonke izinto ezindaweni zabo, ukugwema uthuli ekuqongeleleni kanye ukusabalala izifundo - imali uthanda inhlanzeko nokuhleleka. Spider endlini - kuya inzuzo, ngakho-ke ungakwazi ibulawe yini.

Ukuze ikhaya imali ngokulingana kufanele lanwetshwa at amakhona uhlamvu noma wonke amakamelo ubekwe imvilophi elibomvu nge izikweletu ezinkulu ngaphakathi. Liphinde belulekwa endlini ukuze zikhule isihlahla imali, ukubukeka kwayo kubonisa ezingeni isimo sezimali.

Ithebula endlini - endaweni ekhethekile, okuyinto okumele usetshenziselwe ukudla kuphela. Awukwazi ulishiye lingenalutho, izitsha ezingcolile bese ugcine ukudla asemaphaketheni yasekuqaleni.

Folk amabika yokuthuthukisa zezimali inhlalakahle

Manje bambalwa kakhulu abantu banake izimpawu, imali iziphonso futhi amasiko Nokho, eqondiswa ngokuvamile kungenziwa kuphela ukulondolozwa kusukela enkingeni, kodwa futhi ukuletha inhlanhla nokuzinza zezimali.

Ngakho, inombolo yenkolelo ezithakazelisayo:

• lapho ukukhokha ngokuthenga at the Checkout kufanele sibeke imali phezu counter bese ukuthatha kwezidingo ezandleni Umthengisi;
• bonke kweletu, kuyinto efiselekayo ukubuyela ekuseni - akunakwenzeka kusihlwa;
• ukuchitha isikhathi esengeziwe sinabafowethu abantu yimpumelelo futhi ucebile - eziyiyo amandla ethile yemali;
• ukuze bathamele lesi boutiques ezibizayo nezindawo zokudlela, ngisho noma ungakwazi ukuthenga okuthile nje ukuzama ezingutsheni zakho ozithandayo noma ube inkomishi yetiye;
• njalo sokulungisa izinto zendlu futhi ukuqeda ubuningi;
• ukuthenga ikhaya isithombe yimuphi amanzi;
• kuyinto efiselekayo abe ikati noma ikati, kungcono uma kuyindodana ehlangeni;
• silondoloze isimo sokulindela okuhle emhlabeni - imali ekhangwa asebenzayo futhi l'kaJah;
• ukuvimbela voids kule esikhwameni, ngaphandle kwalokho kuyoba njalo;
• nokheshi, kaningi ngikulandise kungakhathaliseki inani - lo mkhosi uyokhanga endlini wezezimali inhlalakahle;
• awukwazi ukunikeza noma ukubolekisa ngemali kusihlwa - lithembisa isiza ekubuyiseleni izinto ezibonakalayo.

izimpawu Imali ngosuku ngalunye

Kukhona futhi izimpawu imali ngosuku lweviki, ozokusiza ukuphatha izimali ngokuhlakanipha.

Nazi ezinye zazo:

• UMsombuluko - musa ukubala imali, ukuboleka noma izikweletu;
• ULwesibili - ngosuku olufanayo okungalungile ukuthola noma ukubuya kwezimali waboleka;
• ULwesithathu - uma ukubeka ngaphansi penny isithende lithembisa impumelelo nokwanda ezezimali;
• ULwesine - hhayi Kunconywa imfucuza ezinkulu;
• NgoMgqibelo - usuku kuhle akhawunti ye impahla engokoqobo;
• NgoMgqibelo - isikhathi esingcono kakhulu zonke izinhlobo ukuthenga;
• NgeSonto - ke akuvumelekile ukuboleka imali futhi aze angene ezikweletini.

Njengoba "hhayi okwesabisa away" kuyo imali?

Ukuze uthuthukise zezimali inhlalakahle, azikho izimpawu kuphela imali ukwandisa imali, kodwa futhi imithetho ethile Kunconywa ukuba agcine, hhayi ukuvimba ukuphuma nokungena kwezimali.

Akunakwenzeka baphathe ukheshi ephaketheni lakho - imali efana okunethezeka eliphezulu zemali noma wallets, lapho akufanele kube khona enye into ngaphandle kwemali.

Kufanele uhlukane nale mali futhi ukuqhosha ukuhunyushwa ezezimali angaphandle. Uma inkinga ne ekuqongeleleni imali, akufanele njalo bheka ukuthola iqanda esidlekeni.

Le ndlu kufanele kube umshanelo eyodwa kuphela, okuyinto ibekwe sibheke phansi. Wena ubuye abakwazi ukubeka esibukweni okuphambene umnyango endlini, kungcono ngiyibeke ekhishini phezu kwetafula.

Abantu abaningi ukubhekana izimpawu imali ngokuphelele emisebenzini engalimazi efana amakhwela endlini - kuvela, imali ye "ngokwedelela 'yakhe. Kuyadingeka ukuqapha isimo amapayipi, zonke umonakalo kufanele alungiswe ngendlela esifike ngesikhathi, ikakhulukazi Cranes zamanje.

Imali kufanele 'Ukuphumula' kwabo - akudingekile ukubala futhi ngokuvamile ngibenze yisiphi isinyathelo kusihlwa. It is hhayi Kunconywa ukuba bashintshisane izikweletu ezinkulu ezincane - ke uyokhanga izehlakalo.

Kuyadingeka ukuba phakela phofu, kunenkolelo yokuthi izimali emuva handsomely, Nokho, kudingeka kuphela ukubeka trifle, kodwa hhayi ngemali yephepha.

UNcibijane kuyoba acebe

izimpawu Imali, ozokusiza ukuceba ivame ukuhlotshaniswa ngamaholide futhi uNcibijane ubulokhu uhlotshaniswa loya futhi ukugcwaliseka amaphupho.

Nazi ezinye amabika ezivamile ukuze leli cala:

• Awukwazi ukubolekisa ngemali waboleka ngosuku olwandulela uKhisimusi kanye Easter;
• ubusuku samaholide njengoba inombolo 7 ingasetshenziswa kaningi - ukupheka 7 izitsha, wakubeka esihlalweni ngaphansi 7 zemali ukumema izivakashi eziyisikhombisa;
• uma unanoma iluphi uhlobo abakweletayo, ubacele ukuthumela ukuboleka yabo kwaze kwaba phakathi kwamabili;
• ngesikhathi sempi Chime uqale ukucindezela ngenqindi uhlamvu bese wenza isifiso bese aphonse imali ku ingilazi aphuze okuqukethwe ukudla uhlamvu lwemali, yebo, akudingekile - ingasetshenziswa kamuva njengendlela umhlobiso;
• UNcibijane kungavunyelwe ukugeza izitsha, lokhu kufanele kwenziwe ngaphambi emini ngo-January 1 - omunye ezezimali "flow kude";
• ekuseni lokuqala onyakeni omusha ukugeza imali udinga - umane ukukuthinta uhlamvu lwemali ku ngesandla moisten ubuso bakho ngamanzi, egcwele amandla nemali.

Zonke izimpawu phezu inhlanhla imali, ngisho noma bengenayo azibonisi ukuze sibe abafundisi abaphumelela ngempela athokozise ngamaholide wonke umndeni.

Rituals futhi izintelezi ukuheha umcebo endlini

Uma Umuntu nangakabukukholwa namabika, imali yokwenza izinto ikhombisa futhi isebenza ngokuzikhandla, futhi izimali akuzona ngasekupheleni kusengathi ageleze kude Akucaci lapho ngokushesha ngemuva payday, akufanele asebenzise rites engavamile. Amasiko anjalo bagxile ekuthuthukiseni izinto inhlalakahle nokuchuma. Ngakho, siphakamisa yazi nge ezinye izindlela ezivamile ngcono isimo sezimali kakhulu.

Cash etulweni lokumbulala kwenyanga

imali yamaphepha Ithathwe yamanani ehlukene: kusukela komncane kuya komkhulu kunabo futhi zibekwe endlini endaweni esekusithekeni, lapho imali kunzima ukuqaphela. Kungcono uma ngesikhathi esifanayo kuyoba ebusuku. Okulandelayo udinga ukuthola idingidwe obala, ukubhekana inyanga, bese uphinda lamagama kathathu: "Inyanga liphumele olwengeziwe, futhi mina (igama eliphelele) ukunikeza ingcebo. Ngakho-ke futhi ngakho-ke kuyoba! ".

Ngemva kwezinsuku ezintathu kufanele ukuqoqa wonke imali bese usisebenzisa on yokufuna yini eyigugu, isibonelo, tableware ezibizayo, izesekeli ingaphakathi esendlini noma izinto zokuhloba. Ngakho, ubhekana kwegazi icala inyanga kusho ukuthi ukubuya kabili. Lokhu emkhubeni kufanele kwenziwe yonke inyanga entsha.

Ukushaja groats esikhwameni

Okusanhlamvu kakhulu "ngempumelelo" ngokuya edonsa imali kubhekwa semolina. Kutuswa ukuba baphathe ku-wallet yakho ingcosana powder.

Kuzo zonke imibala imali efana abomvu kakhulu - ubadonsela Ifana nozibuthe. ke Kuyancomeka ukuba isikhwama kwanoma iyiphi umthunzi ebomvu.

Udinga ukuthwala isikhwama sakho ephepheni zilotshwe obomvu wawungathi-tip ipeni noma inombolo "7" - ke uyokhanga hhayi kuphela izindlela, kodwa sikufisela inhlanhla.

Siko usebenzisa onion isikhumba

Kulabo abakholelwa izimpawu imali, kuwo ngemithandazo namasiko kungenziwa belulekwa yesiko elandelayo. Lapho ukuhlanza anyanisi, ikhasi afakwe ebhokisini olukhethekile umbala obomvu. Kabili ngosuku, bacwilisa ngakwesokunene, sengiprofethile nokukhuluma ngesikhathi esifanayo: "Kuyinto imali yami rustle!" Ingabe njalo olusha kanye ebhokisini, futhi lapho husk lungaphezu, enyangeni ezikhulayo, kufanele ukhiphe futhi eshisa. I isiko kumele kwenziwe kuphela ngesimo sengqondo esiqondile bese yonke liyadingeka ukulalela izifiso zakho.

Rite ngegolide zemali

Kukholakala ukuthi le ndlela iphumelela kakhulu lapho Luhambo zezimali akuyona nje isifiso kodwa isidingo, isibonelo, uma ngandlela-thile kuvela ukubambelela inkokhelo.

Ngaphambi afeze isiko kumele kube kahle ukuhlanza indlu, ukuqhuba yokuhlanza jikelele, ukuqinisekisa ukuthi akukho ukwenzelela lezinto angaphandle nezigqizo, iziphonso kwaphazamiseka senzo. Sidinga ukunwetshwa egumbini ngalinye ngesikhathi zemali ayisishiyagalolunye ezahlukene umbala ophuzi, ngalinye elikwazi isendaweni ezingeni lalo. Okulandelayo ukuze ahlale embhedeni, vala amehlo akho bese usho izikhathi eziyisishiyagalolunye "Igolide ngaphakathi, hhayi emhlabeni endlini yami." Ngakho wena ukuze sidonse imali.

Isimo sengqondo elifanele imali - isihluthulelo sempumelelo

Phakathi ukuqaliswa zonke emikhosini abaluleke kakhulu isimo esingokomoya yangaphakathi. Kufanele balahle nemicabango engakhi, ukungabaza, umhawu imizwa yokungabi nabulungisa. Yiqiniso, akuzona zonke izimpawu, imali iziphonso namasiko iyosebenza 100%, kuxhomeke kakhulu ezinyathelweni ubuhlobo lomuntu ukuba imali. Kunoma ikuphi, izinyathelo ezinjalo nethonya elihle kubantu, futhi ngenxa nombono oqhakaze iza kaningi, futhi zezimali inhlalakahle. Into eyinhloko ukukhumbula ukuthi imali akufanele kube umgomo wokuphila - zingabantu nje izindlela ukuze afeze icebo lakhe.