Phuma kwiMatyala Ngokuvuma Iingxaki Zakho, Ukuthatha iTactic yeMatyala-ntlawulo
Kukho amaninzi amanqaku achaza amaqhinga abantu abasebenzisa ukuphuma kwetyala. Bakha amakhadi abo ekweretheni, okanye banamathele amakhadi abo eplastiki kwisitya sebhanti. Bayeka ukuthenga ii-coffees kwi-Starbucks kwaye basebenzise imali eyongezelelweyo ukuhlawula iVisa yabo. Bathengisa imoto yabo kumzekelo omdala okanye ngaphezulu osebenza kakuhle, okanye ukuzisa umninimzi kwigumbi lokulala.
Kodwa kukho imiba embalwa yengqondo kunye neemeko abantu abafanele bajongane nayo, ukuba bafuna ukunqoba ityala labo.
# 1: Yivume Ukuba Unenkinga
Vuma ukuba unenkcitho yokuchitha. Yivume ukuba uhamba phezu kwentloko yakho. Musa ukuzithethelela. Ewe, amaxesha anzima. Ewe, imali yayimile. Kodwa kukho izinto onokuzenza ngokungafaniyo.
Ngethuba nje xa wenza izizathu, uyazivumela ukuba uqhubeke uphinda uhlaziye imimiselo emibi yezemali. Ubeka umngcipheko ukuwa phantsi kweengcambu zokuchitha imali ezikukhokelela ekutyala kwinkohlakalo kwindawo yokuqala. Isinyathelo sokuqala sokubuyisela ityala lakho ukuhlambulula kunye nawe, uyeke ukuzithethelela, uyeke ukukhomba umunwe wakho kwizinto zangaphandle ngaphaya kokulawula kwakho, kwaye ugxininise indlela onokutshintsha ngayo ubomi bakho.
# 2: Yazi umehluko phakathi kwe-Want and Need
Bambalwa abantu baqonda umgca phakathi kweemfuno kunye nezinto ezintle. Isonka nobisi ziyimfuneko. I-cookie i-Oreo kunye ne-ayisikrimu-nangona ngokuqinisekileyo "ivenkile," ngolu hlobo lokuba uyithenga kwisitolo sokutya - iindawo zokuzikhusela.
Ukugcina i-air conditioner kwi-78 okanye kwi-80 degrees ngexesha lehlobo liyimfuneko; Ukukhwabanisa umoya-moya ukuya kuma-68 okanye kwi-70 degrees yinto yokunethezeka.
Ulawulo lwe-50/30/20 lohlahlo lwabiwo-mali , oluphakanyiswa ngu-Harvard wezoqoqosho u-Elizabeth Warren, uthi abantu kufuneka bahlalutye iipesenti ezingama-50 zengeniso yabo kwiimfuno, iipesenti ezingama-30 ezifunayo kunye nama-20 ekhulwini ekulondolozeni kunye nokunciphisa amatyala.
Ukuba uzimisele ngokugxotha i-matyala akho, unokufuna ukuthatha eli nyathelo elilodwa: phatha iipesenti ezingama-40 yengeniso yakho kwi-savings nokunciphisa amatyala, kunye neepesenti ezili-10 kuphela ekufuneni. Yamkela ukuba oku kuya kufuna imimiselo enzulu: ithelevishini ye-cable, uhambo oluya kwi-zoo, ukutya kwevenkile kunye neempahla ezintsha zingadinga ukuba zonke zihlulwe kwi-budget yabantwana.
# 3: Khetha iCacac and Stick With It
Kukho iindlela ezimbini ezidumileyo abantu abazisebenzisayo ukunyanzela amatyala abo. Enye ibizwa ngokuba "ityala lebhola." Ngaphantsi kwesi sicwangciso, umntu kufuneka agcine i-$ 1,000 kwi- engxowa-mali yongxamiseko , kwaye usebenzise yonke i-dime ye-savings kwisikwere esincinane kunazo zonke, kungakhathaliseki ukuba inzala yenzalo. Bamele bahlawule elo tyala de livaliwe (ngelixa lenza iintlawulo ezincinci kwezinye iimali, ngokuqinisekileyo).
Emva kokuba eso sikwere siwela kwiluhlu, kufuneka sisebenzise yonke imali abayisebenzisayo kwi-yetyala elincinci-elincinci kuloluhlu lwabo, njalo njalo. Ngamanye amatyala atshabalalayo enza umphumo we "snowball" wokunyusa ukwanda komnye olandelayo. Ngaphezu koko, ityala ngalinye eliyinqaba lidala ukunqoba kwengqondo ekhuthaza umntu ukuba ahlasele elilandelayo.
Elinye iqhinga libizwa ngokuba "ityala lokutsalwa kwetyala." Esi sicwangciso sithi umntu kufuneka alahle yonke i-cent cent ye-matyala kunye netyala eliphezulu, kungakhathaliseki ukuba lilonke ibhalansi.
Xa sele udlule uluhlu, umntu kufuneka asebenzise loo mali kwizinga eliphakamileyo elizayo, njalo njalo. Esi sicwangciso sisindisa imali eninzi kwiintlawulo zenzalo ngaphezu kwempilo yazo zonke iimbolekiso, nangona - kuxhomekeke kubukhulu bemali-kungathatha ixesha elide ukuphumelela kwengqondo yokunqumla ityala.
Kukho ingxoxo enkulu malunga nesicwangciso esilungileyo. Iingcamango zam kukuba i-yemali yezemali yodwa; Isicatshulwa esona sikhulu sisilungele ubuntu bakho.
Oko kwathiwa, nasi icebiso lam: khethani elinye iqhinga - ityala lebhola okanye i-debt stacking - kwaye unamathele kuyo. Ungaguquki emva kokuphuma phakathi kweendlela ezahlukeneyo zokuhlawula amatyala. Gcinana nendlela okhethileyo iiveki okanye iinyanga. Sitshintshe kuphela njengesicatshulwa sokugqibela, ukuba ukholelwa ngokwenene ukuba leli qhinga lungafanelanga.
# 4: Gubha
Naliphi na ixesha ufikelele ekuphumeleleni kwengqondo-nokuba ngaba ityala elinye liye laphuma kwiluhlu lwakho, okanye iiveki ezimbini zokunamathela kwisicwangciso sakho sokubuyiselwa, okanye nayiphi na enye inkolelo enokuzifumana ngayo - ukuyigubha. Jabulela kuyo.
Kodwa nanko umkhabi: ungayigubhi ngokuchitha imali. Oku kufana nokubhiyozela ukulahlekelwa kwesisindo sesi-5 kunye ne-double-cheeseburger.
Kunoko, funda iindlela zokukhulula. Phonsa iFrisbee epakini. Thatha ibhola lokubhaka elide. Phinda ufunde incwadi yakho eyintandokazi yobuntwana. Hamba uhambo olude ehlathini kunye nenja yakho. Ukubhiyozela ngaphandle kokuvula isikhwama sakho.