Ingaba uzama ukusika iitaliti okanye ubuninzi bephothifoliyo yakho yokuthatha umhlalaphantsi , ukuvala isikhala phakathi kwezenzo zakho kunye neenjongo ezintle kunokuba yenye yeengxaki ezinzima kunzima.
Ngaphandle kweenjongo ezilungileyo zabantu, abantu abaninzi baphatha ngokuthe tye xa kuziwa ekulawuleni imali yabo.
Ngenhlanhla, kukho ezinye iindlela ezilula zokuziphatha ongazenzayo ukukunceda ukukhokelela kwindlela efanelekileyo. Nazi ezinye zeenguqu onokuzenza ekuziphatheni kwakho ukwenzela ukuba kube lula ukulandelela kwiinjongo zakho:
Yenza umqondo. Abathengisi ngokuqhelekileyo basebenzise iingongoma zendalo kunye neengcinga zengqondo ukuze bakuthathe imali. Ngokomzekelo, baya kusebenzisa umculo, ukukhanyisa, umbala okanye iphunga ukuze kuhlaziywe okanye ukuguqula iimpawu ukuze ukwazi ukufikelela kwimveliso ethile. Ukukunceda ukungafuni ukuthenga into ongayidingiyo, thatha umoya ozayo ngexesha elizayo xa uhamba kwisitoreji kwaye uthatha ngokukhawuleza kwindawo yakho. Hlaziya iithalafu kunye nemiqondiso yesitolo yeenkcukacha malunga nendlela ivenkile inokuzama ngayo ukuyisebenzisa. Isaziso, umzekelo, indlela ivenkile yokutya ibeka ngayo i-marshmallows kunye ne-tshokoleji kunye ne-dog buns yokutshisa ukucinga malunga nekampu okanye indlela i-electronics store igcina ngayo iimveliso ezibiza kakhulu kwinqanaba leyona kunye nemveliso engabizi kwi-shelf ephantsi.
Qwalasela ingqwalasela yakho. Abantu bahlala befumana ingxaki ngenxa yokuba banamathele ingqalelo ethile kwixabiso elithile, njengexabiso okanye inani elifunekayo kwi-bill, kwaye banokuchaphazeleka kakhulu. Ngokomzekelo, xa uthengisa kwisitoreji, unokugxila ingqalelo kwixabiso le-$ 100 yengubo eboniswa kwi-mannequin kwaye ngokukhawuleza ucinga i-$ 50 yengubo ecaleni kwayo yinto enokuqhathaniswa.
Ngokufanayo, uphando lubonise ukuba abantu baya kuhlawula ngaphantsi kwekhadi labo lekhredithi xa bejolise kwixabiso elincinci elifunekayo kunokuba babeya kuba ngaba inani elincinci lingabonakali. Ukuzulazula ngaphandle kwe-anchor biases ezichaphazela izigqibo zakho, khangela iindlela zokuqwalasela ngokuthe ngqalelo ingqalelo yakho. Umzekelo, xa ufumana i-bill ye-credit card, sebenzisa i-highlighter ukubeka ingqalelo kwi-balance balance, kungekhona nje inani elifunekayo lokuhlawula.
Zikhathalele. Indlela ozivakalelwa ngayo kunye nokusebenzisa kwakho ixesha lakho kungasichaphazela kakhulu izigqibo zakho. Ngokomzekelo, uphando luye lwabonisa ukuba abantu bathambekele ukuchitha ixesha xa belambile. Ngokufanayo, abantu banexesha elinzima ukwenza izigqibo zezimali ezifanelekileyo xa bephelile ngengqondo. Ukuze uqiniseke ukuba unengqondo efanelekileyo ukwenza izigqibo ezilungileyo, zize uzenzele ngokwenyama nangokomzwelo. Yidla ngaphambi kokuba uthenge. Thola ukulala ngokwaneleyo. Hlola ngaphakathi nawe emoyeni phambi kokutyelela ivenkile kwi-intanethi. Ungaphinda ufune ukucwangcisa iintlanganiso ezibalulekileyo - ezifana nokutyelelwa ngumboleki okanye umcwangcisi wakho wezemali - ngaphambili kwimini ukuze ungenzi izigqibo ezinkulu xa usuphelile ngokomzimba okanye ukhululekile emoyeni.
Khangela phambili. Ukutshatyalaliswa kwexesha elide ngokujonga ngokwakho kwiminyaka eyi-10 okanye engama-20. Abantu bavame ukuxabisa okwangoku ngaphezu kwexesha elizayo kwaye benze izigqibo ngokusekelwe kwindlela abavakalelwa ngayo ngexesha. Kodwa uphando luye lwabonisa ukuba ukucinga ngawe kwikamva kunokukunceda ukulwa nalolu tyeko ngokutshintsha indlela ojonga kuyo. Abantu bavame ukugcina ngaphezulu kunye nokunciphisa ubuncinane xa becinga ngokucacileyo ikusasa labo. Ngokufanayo, uphando olutshanje olushicilelwe kwiphephancwadi, i-Psychological Science, lufumanisa ukuba ukucinga isiphumo esithile-njengokuphelelwa yimali-kunokukunceda ukuba ube nesigulane.
Yamukela i-automation. Enye indlela yokuhamba malunga nantoni na eyenziwa yimizimba yengqondo yakho ikukunikezela uxanduva lwakho. Kunokuba uhlawule iimali zakho ngokwakho, faka iintlawulo ezizenzekelayo. Ngaloo ndlela, awuyi kuhendwa ukuhlawula ngaphantsi kunokuba ufanele okanye ukhohlwe ukuhlawula ngokupheleleyo.
Ngokufanayo, ukwandisa ukonga kwakho, ukhethe ukurhoxisa ngokuzenzekelayo ukwenzela ukuba ukonga kwakho kungathinteki kakubi nge-inertia okanye ukwenza izigqibo eziphosakeleyo. Unokufumanisa ngakumbi ukuba uzilungiselele, ngcono kwiimali zakho.