Imiba yokuchitha imali ingayichaphazela kakhulu imeko yakho yemali kwaye ingakhokelela kwimicimbi engundoqo yemali, njengetyala, ukuchithwa kwekhaya , i-credit card, kunye nemibandela yomtshato.
Ukuba ucinga ukuba unokuba neengxaki zokuchitha, kubalulekile ukuvuma le miba. Ukuba ngaba bomelele ngokwaneleyo, kufuneka ufune uncedo lobuchwepheshe, oluya kukuvumela ukuba uthathe ulawulo lwemali yakho . Sihlola iimpawu eziqhelekileyo ezinhlanu zengxaki yokuchitha imali - nendlela yokuziqonda.
01 Ufihla ukuthenga kwakho kwabanye
Esinye sezibonakaliso ezinkulu ukuba unokuba nenkinga yenkcitho yangempela kukuba ufihla ukuthenga kwakho kubantu. Ukuba utshatile, mhlawumbi ufihla ukuthenga kwakho kwiqabane lakho. Ukuba ungatshatanga, ungabafihla kumntu ohlala naye (kuba unetyala lakhe ngenxalenye yakho yebhilikhwe kagesi), okanye ngabahlobo bakho. Unokuzifihla ukuthenga okuvela kubazali bakho.Lesi sibonakaliso esinzulu senkcitho , kwaye kufuneka uthathe amanyathelo ngokukhawuleza njengoko unako ukulungisa ingxaki.
02 Uziva Ulunge Emva kokuya kuthengwa
Abanye abantu baphakamileyo emva kokuthenga, kufana nezinye izilingo, njengotywala okanye ukusebenzisa iziyobisi. Ukuba ufumanisa ukuba unqwenela amava okuthenga, mhlawumbi emva komhla obileyo, okanye ubale imizuzu okanye iiyure de uze uthengise ngokulandelayo "ukulungisa," unokuba neengxaki zokuchitha.
Kwaye awudingi ukuchitha imali kwizinto ezibiza. Unokuba ne- overspending ngxaki ingaba uthengisa izinto zegama lesigqirha okanye izinto ze-brand brand. Kananjalo akudingeki ukuba ungene kwivenkile ukuze ufumane inkcitho; abathengi be-intanethi bavame ukufumana imali efanayo "ephakamileyo."
03 Wena Max Out Cards Credit Cards
Ukuba unamakhadi amaninzi eentengo zemboleko, ukuba zihlala zixhaswe okanye uqhubeka uzikhupha emva kokuba wenze intlawulo nganye ngenyanga, unokuba neengxaki zokuchitha. Unokuba nayo ingxaki xa uhlala ujikeleza phakathi kwabo, uzama ukufumana ukuba unetyala elaneleyo kuyo ukuze uchithe ngaphezulu.
Ukuqhubeka nokuchitha, nangona ungenayo imali yokwenza njalo, kukunye uphawu lokuba nenkinga yokuchitha imali. Ukuba uyaphika malunga nenani letyala unalo , okanye ukuba ungakanani imali oyichithayo kwizinto ongenakuzifuna nyanga nganye, ezinye iimpawu.
Jonga kakuhle uhlahlo lwabiwo-mali kunye nento oyisebenzisayo inyanga nganye. Ukuba uthengela izinto ezinokuzithengisa okanye izinto ongenakuzifuna ngetyala, ke unethuba, unenkcitho yokuchitha.
04 Ulahleka Umzila wezinto onayo
Ukuba unzima ukukhumbula oko sele ukhona, unokuba neengxaki zokuchitha. Unokuthi uphumelele kwithuba ekhaya kunye neebhokisi ezininzi ezongezelelweyo ezigcinwe kuyo nganye ikhepesi yekhaya lakho , okanye ube negumbi elongezelelweyo elinikezelwe kuphela ngezinto ozithengile kutshanje. Oku kuyimpawu enkulu yokuba unokufumana umba. Thatha uluhlu lwempahla yakho . Ukuba uqala ukubona ezininzi eziphindaphindiweyo, ezifana ne-toasters ezintathu okanye ii-shirt ezimhlophe ezifanayo ezinhlanu, ngoko unokuba ne-issue yenkcitho kwaye kufuneka ufune uncedo lochwepheshe.
05 Uyi-Zombie Shopper
Ngaba uke ungene kwivenkile kwaye uqale ukuhamba malunga nevenkile ukubeka izinto ezikhethiweyo kwinqwelo yakho? Ngaba akuninzi malunga noko uthengayo, kunoko, isenzo esilula sokuthenga into? Emva koko unokufumana inkcitho yokuchitha.
Abantu abathengayo izinto nje ngenxa yokuthenga, okanye ngubani ongaphaya kweentsapho kunye nabahlobo beeholide kunye nezipho ezikhethekileyo zezihlandlo , unokufumana inkcitho yokuchitha.
06 Xa Ufumana Uncedo
Ukuba ucinga ukuba uyayibona nayiphi na le miqondiso kwintlawulo yakho, ngoko unokuba neengxaki zenkcitho kwaye kufuneka ufune uncedo lwezakhono ngaphambi kokuba lide kakhulu kwaye iimali zakho zihlupheke. Khumbula, ukuchitha imicimbi kunokubangela ezinye iingxaki ezinzulu ngemali yakho, njengetyala, ukuchithwa kwekhaya, imiba yolwalamano kunye nokunye.
Unokuqwalasela ukuya kumcebisi ukuba usebenze ngemiba ejikelezayo ukuyithengisa okanye ungajoyina iqela lokuxhasa njengeShopaholics Engaziwa. Ukongezelela, unako ukujongana neminye imiba yezemali, njengokuphuma kwetyala , ngokwahlukileyo.
Ukuhlaziywa nguRachel Morgan Cautero .