Le mikhwa ingabangela ukuvuza okukhulu kwemali!
Nangona unenjongo efanelekileyo, usenokufumana ingxaki yakho ngemali yakho. Ngokukodwa ukuba uye wawela kwenye yezinto eziyimpembelelo yemali.
Ukuba unzima nemali yakho , jonga uluhlu oluya kuqinisekisa ukuba awuzixhamli kunye nale mikhuba embi.
1. Impembelelo yokuThengwa
Ukuthengwa kwempembelelo konke malunga nemvakalelo. Ubona ukuthengiswa awufuni ukuphosakela, okanye into ofuna ukuyenza ngokukhawuleza.
Unqumla ukuzithenga ngaphambi kokuba ucinge ngentsingiselo malunga nokuba uyayidinga ngempela okanye unokukwazi ukuyithenga.
Ukunciphisa iindleko zokunyanzelisa, zenzele ukuba ulinde ixesha elithile (lingaba ngumhla okanye 30) ngaphambi kokutsala i-trigger ekuthengeni. Kuya kukunika ithuba lokucinga malunga nesigqibo sakho, kwaye amathuba oya kuqonda ukuba awuyidingi emva kwayo yonke into.
2. Akukho kuhlahlo lwabiwo-mali
Awusoze uhlale uhamba ngemali-kungakhathaliseki ukuba uhamba phambili-ukuba ungenayo ibhajethi kwindawo kwaye uyazi indlela yokunamathela kuyo .
Uhlahlo lwabiwo-mali lukuvumela ukuba ubone imali enokuyifakela kuyo nalapho ihamba khona. Iyakwenza ukuba wenze utshintsho olunceda ugcine imali eninzi kwaye ugweme ukuya ebomvu inyanga nganye.
Uhlahlo lwabiwo-mali alufanele lube ngumsebenzi omkhulu. Bhalisa ngeprogram efana ne-Mint elandelela ngokuzenzekelayo inkcitho yakho. Konke omele ukwenze ku-pop ukuya kwideshibhodi yakho imihla ngemihla ukuqinisekisa ukuba uhlala kwindlela kwaye wenze utshintsho njengoko kuyimfuneko.
3. Ukuxhomekeka kwiKhadi leMatyala
Ngaphandle kokuba unakho ukuhlawula ibhalansi ngokupheleleyo ngenyanga, usebenzisa iikhadi zamatyala ngenye yezinto ezimbi kakhulu ongayenza kwiimali zakho. Ngokukodwa xa ubasebenzisa ukuba baphile ngaphezu kweendlela zakho.
Yonke idola oyifakayo kwikhadi iya kukuhlawula ngokuphindaphindiweyo emdlalweni. Unokuchitha iminyaka yobomi bakho kunye namawaka eedola ezihlawulela ukuthengwa awukhange ukhumbule ukwenza.
Akukho nto yokuthenga ibaluleke kangaka.
4. Uthando lweConvenience
Njalo emva kwexesha elithile, ukuthenga okulula kunokuba yinto ephathekayo, okanye umzekelo onyanzelekile ukuba ukhawuleza. Kodwa ukuba ufumanisa rhoqo ukuthenga ngokulula, uhlala uvila. Ukuzonwabisa kuya kukuhlawula.
Yeka ukutya okukhawuleza imihla ngemihla kwaye ufunde ukwenza ukutya okumbalwa kwintlobo enokuyonwabela kuyo yonke iveki. Yeka ukuthenga i-laty yexabiso eliya kwindlela eya emsebenzini rhoqo ekuseni kwaye uphakamise imizuzu emihlanu ngaphambi kokuba ufeze indebe ekhaya. Umsebenzi omncinci kwinqanaba lakho unokuphelisa ixesha elikhulu.
5. Iimpawu zobuqu
Ewe, oku kufaka phakathi "imichilo" yendabuko njengokusela, ukutshaya nokugembula. Kodwa kuqukwa neendlela ezincinci ezibonakalayo ezifana nokutya ngendlela engaphezulu okanye nokuba yi-shopaholic. Ngokwenene, nantoni na ekulinga ukuba uchithe imali eninzi oyaziyo ukuba akufanele uchithe.
Yeka le miqhetseba kunye nobomi bakho, kungekhona nje isikhwama sakho, siya kuvuya ngakumbi.