Xa useneminyaka engama-20, lixesha elide lokuseka imikhuba yemali enempilo enokuhamba nayo yonke imihla yobomi bakho. Imikhwa oyenzayo ngoku iya kukulandela. Kubalulekile ukusebenza ngoku ukudala imikhwa eya kukunceda esikhathini esizayo. Nokuba izinto ezincinci zingagqiba kukubiza kakhulu kwixesha elizayo. Nazi iindlela ezinhlanu ezinokukuhlawula ixesha elizayo. Le yile minye yemikhwa yabantu abaphulileyo .
01 Ungalokothi uhlawule iKhadi lakho leKhadi
Ukuba uhlawula ubuncinane kwikhadi lakho lesikweletu , ngokuyinhloko uhlawula umdla, kwaye uya kuqhubeka uhlawula ekhadini iminyaka ngaphambi kweenyanga. Enye indlela elula yokufumana ukuba lo mkhuba ubiza njani ukuba ukhangele ibhilikhi yakho. Ingxelo nganye yenyanga inebhokisi ekuxelela ukuba uhlawule kangakanani inzala kule nyanga, kuza kuthatha ixesha elingakanani ukuhlawula ikhadi ngokuhlawula ubuncinane kunye nemali oyifunayo ukuyihlawula ukuyihlawula kwiminyaka emithathu. Intlawulo yenzalo ingaba enkulu, kwaye ukuba uhlawula umyinge omncinci awuyi kwenza nayiphi inkqubela phambili kwinqaku lakho. 02 Ukutya ngaphandle
Xa ungatshatanga, kungabonakali ngathi kuluhlobo olukhulu lokutya ngaphandle kobusuku bobabini ngeveki. Ngaphandle kweendleko ezongezelelweyo zabantwana, kunokusondeza njengento engabizi njengeyokupheka ekhaya. Ewe, oku kuxhomekeke apho udla khona kunye nento opheka ekhaya. Ukuba uyadla ngaphandle kwiindawo zokutyela ezinkwenkwezi ezintlanu, unokupheka ngokuncinci. Kodwa ukutya ngaphandle kuba ngumkhuba onokuba nzima ukuphula xa usitshatile kwaye unabantwana. Ukuba uqikelele ukuba umlinganiselo wesibini weentsapho uza kuchitha i-$ 25 ekudleni ngaphandle kokutya okutya ngokukhawuleza, kwaye ukuba unokwenza isidlo esifanayo ngaphantsi kwe-$ 10 ekhaya, unokubona imali engama-$ 15 yokutya. Ukuba unqumle ukutya kabini ngeveki, ungagcina i-$ 1560 ngonyaka. Ukulondolozwa kunokuba ngakumbi xa udla kwiindawo zokudlela ezibiza kakhulu. Ukucwangcisa imenyu nokwenza ukutya kwangaphambili kunokukunceda ukuba uzive ixesha likhawuleza ngexesha lokutya. 03 Ukubhema
Ukubhema kunokubiza ngeendlela ezininzi ezahlukeneyo. Okokuqala, kukho iindleko zecuba. Ixabiso eliqhelekileyo lijikeleze i-$ 5 ipakethi. Ukuba utshaya ipakethi enye emva kweentsuku ezimbini, uza kuchitha i-dollar 912.50 ngonyaka. Ukuba utshaya ipakethi ngosuku, uya kuchitha i-$ 1825 ngonyaka. Nangona kunjalo, iindleko ezongeziweyo zingeza kamva ebomini njengoko ujongana nemicimbi enzulu yempilo evela kwimiphumo emibi yokutshaya. Ipakethi yomkhwa wosuku uza kukuhlawula i-$ 150 ngenyanga, ongayichitha kwezinye izinto. 04 UkuGembula
Eric Raptosh Photography Ukugembula ngumkhwa onokukukhathaza ngokwenene. Ukuba ujongene nokukhwabanjelwa kokugembula ungasengozini yokulahlekelwa ikhaya lakho, intsapho yakho kunye nomsebenzi wakho. Iindleko ziyakongeza ngokukhawuleza, kuba kunokuba kunzima ukuma. Ukuba wenza ibhetri yesikhewu kumdlalo omkhulu okanye uceba uhambo lwangonyaka ukuya kwiVasgas, amathuba akufuneki ukuba ukhathazeke ngale nto, ngokungakhathaliseki ukuba unako ukuma xa ulahlekelwe yimali oyimisele ukuhamba. Nangona kunjalo, ukuba uzifumana uhlala ungcakazo okanye udlala i-poker ye-intanethi kwaye ulahlekelwa, unokufuna ukufumana uncedo lomlutha wakho. Iikitikiti zeLottery zilungele kule nqanaba. Unokuba ufuna ukuyeka ukukhishwa kwakho kumkhwa, kuba awufumani oko ubeka kuyo.
05 Impulse Ukuthenga kunye nokuSebenza Ukuzingela
Impembelelo yokuthenga ingongeza ngokukhawuleza kwaye kunokuba nzima ukubala ukuba uchitha ixesha elingakanani kulo nyaka, kuba ukuthenga kudla ngokuxutyushwa kunye nezinye iindleko ozifunayo. Enye indawo yengxaki inokuzingela into efanelekileyo, kwaye emva koko ufumana enye into efanelekileyo kakhulu ukunyuka-nangona ungayidingi loo nto kwindawo yokuqala. Ezi zinto ziyakwazi ukuphelisa imali eninzi kwizinto ongazidingi ngokwenene. Okokuqala, kufuneka udale uluhlu lwezinto ofuna okanye kufuneka uzithenge nge-deal. Ngokomzekelo, ukuba uyazi ukuba kufuneka uthenge intente entsha kunyaka ozayo, ungathatha ixesha lokuzingela into ngaphandle kokuthenga ngexabiso elipheleleyo. Zibophezele ukuba ube nexesha lokupholisa kwiiyure ezingama-24 ngaphambi kokuba uthenge ngaphandle kokuba kuluhlu lwezinto ofuna ukuzithenga kwangoku. Ukuba ucinga ukuba unobungozi bokwenene, ungadinga ukufuna uncedo kwimicimbi yakho yokuthenga .