Kubalulekile ukuba ungabi naso.
Isihluthulelo sokwamkela indlela yokuphila engabonakaliyo ukuba ndiyiqonde iingingqi apho ungadinga ukunqumla kwakhona kwaye ukhethe indawo oziva ngayo ukuba ufumene ilungelo lokuqhaqhafaza okungakumbi. Umntu ongenangqondo uyaqonda ukuba kungakhathaliseki ukuba ufuna ntoni into ethile, ukuba akayi kuhlawula imali, ngoko ke akanako. Ukhangele phambili ukujonga ukuba oku kuthengiweyo kuya kwenza kube nzima ukuthenga ukutya ekupheleni kwenyanga. Ukwazi ukuqonda ubunzulu bezakhono zemali ukuze alawulwe ngemali yakhe.
Xa usenza isigqibo sokuba ulunge ngakumbi, akuthethi ukuyeka yonke into oyithandayo, kunokuba ithetha ukubeka phambili izinto ozonandiphayo, kunye neenjongo zakho zezemali nokuthatha isigqibo sokuba yeyiphi imicimbi eya kuba yinto ephambili kunye nento oyakuyidinga ukunciphisa. Unako ukufumana imali eninzi yokufumana ingeniso, kwaye ujonge izinto ezahlukeneyo ngelixa uqhubeka unobungozi.
Isitshixo kukuba usebenza kwiinjongo zemali ezithile xa wenza ezo zinto. Kwakhona ithetha ngokucokisekileyo uphando ngokuthenga kwakho kunye nemisebenzi kwaye ukhangele iinjongo ezingcono kuzo. Ukuziqhelanisa ngokuqhelekileyo kuthetha ukuba uye wazi kakuhle izakhono zemali eziyimfuneko ukuze uqale ukudala ubutyebi.
Ungakwazi ukufumana indlela yokuphila engabonakaliyo ngaphandle kokucima ngokupheleleyo into onokuyithandayo. Umzekelo ukuba uzama ukuqinisa uhlahlo lwabiwo-mali, kodwa unomuvo wokuthi ufuna i-TV ye-cable ukuze uphumule ekupheleni kosuku, unganciphisa iphakheji yakho yekhefu kwenye apho usebenzisa zonke iziteshi okanye unako ukunciphisa imali oyichithayo ekudleni inyanga nganye ukuhlawulela kwisabelomali sakho. Enye indlela yokunquma umabonwakude kunye nokutshintshela kubanikezeli benkonzo yokusasaza okukuvumela ukuba ujabulele umabonwakude. Omnye umzekelo ukuba uthanda ukuhamba, unako ukuhamba, kodwa usenokuchitha ixesha elide ukhangele iikomiti ezithengileyo kwiikitikiti zeenqwelo zeenqwelo. Kuzo zombini le mizekelo, uthatha ixesha lokuba libalase ngaphandle kokuphazamisa indlela ophila ngayo ofuna ukuyigcina. Unokufumana kwakhona iileyile zomyili ozifunayo ngokuthenga ezitolo kwindawo yokuthumela impahla ukuze ufumane izinto ezincinci.
Kodwa ngexesha elifanayo lithetha ukuba akufanele ube ngaphezu kwe-overspending okanye ukunikela kuzo zonke izinto ezifunayo. Kubalulekile ukwenza uvavanyo lokumodareyitha, ukuze ulawulwe ngemali yakho. Ukuba uchitha ngexeshana ngokuqhelekileyo, awuyi kuphila ngendlela engcolileyo.
Kufuneka ube uhlahlo lwabiwo-mali rhoqo ngenyanga kwaye ucwangcise ukuthenga njengempahla emitsha, kunye neendleko ezonwabileyo njengengxenye yebhajethi yakho rhoqo. Ukuziqhelanisa akuthethi ukuyeka ukuzonwabisa kwakho, kodwa kufanele uqikelele kwaye uqiniseke ukuba unako ukuthenga izinto ozenzayo. Unokuqwalasela nokufumana izinto ezinononophelo ezithandayo ngaphandle kokuchitha itoni yemali.
Omnye wabantu abanobuqhetseba engaziyo rhoqo uyaziphatha ngengubo enhle (abaqingqi be-high end) kunye nokutya kanye ngeveki. Unandipha ubomi bakhe, ngelixa eyazi ukuba unabo bonke ubomi bakhe bezemali phantsi kolawulo. Ukuqhaqhaqhaqhaqha ngakumbi kunokuhlala kwiindlela zakho kunye nokucwangcisa ikusasa kunokuba uthinteke yonke ipennyini yokugcina ide igule. Unokufumana indlela yokuphila engabonakaliyo ngoku, kodwa ukhetha into enye ofuna ukuyigcina kunye nezinto ezimbini ozilungele ukuzenza ukuze wenze njalo.
Njengoko usebenza ukuhlala ngaphakathi kwindlela kwaye ulondoloze ixesha elizayo , uya kukwazi ukuphumla, kwaye ujabulele ubomi ngaphandle kokukhathazeka kwezezimali. Ezi zinto zinokukunceda ulungelelanise ukuhlawula umvuzo ukwenzela ukuba uthathe umsebenzi ophantsi kancinci kwaye uphucule umgangatho wobomi. Unokufuna ukuthatha inselele engumngcipheko ukuze ubone ukuba ungalondoloza phi ngaphandle kokusika izinto ozithandayo kakhulu.