I-Real Culprit Yenza Isibongo Sakho Sokubamba I-Splurge
Asisoze sineentengo zemboleko zokusondeza.
Asizange sisazi ukukhungatheka kokungakwazi ukufumana oko sikufunayo ngokwenene ngoba nganye i-cent yecandelo kufuneka ihambe ngokubhekiselele kwiintlawulo ezincinci kwiikhadi lamatyala.
Kodwa oku akuyona ihlabathi eligqibeleleyo kwaye ngelishwa, ezi ziimeko ezixinzeleleyo ziqhelekileyo kubantu abaninzi.
Ukuba ufumanisa kule ndawo, okanye uhamba apho, kungcono ukuthatha ulawulo lwenkokhelo yakho ngoku ngokumalunga nokulinda kude kube kamva. Nantsi indlela yokubuyisela kwimimiselo yakho yokuchitha imali.
Gxininisa kwizinto ozichithayo
Inxalenye ebalulekileyo yetyala elingaqwalaselwanga ngaso sonke isizathu kukuba kutheni ungene kwi-matyala kwindawo yokuqala . Kutheni waqhubeka uhlawula izinto ongenakho ukuzenza? Kutheni uvakalelwa ukuba ufuna ukusebenzisa loo makhadi amancinci eklastiki ngezinto ezingenakudingeka, nangona waqala ukuzabalazela ukwenza iintlawulo? Yintoni eyenza ukuthenga kwakho ngokunyanisekileyo?
Ukugcina i-log log kunye nokuqwalasela iimvakalelo zakho kunokukunceda ukuba uqaphele oko kusemva kwesigqibo sakho. Ukuchonga iziganeko ezivuselela iinjongo ze-splurge akunakukhathazeka, kodwa ukuba ungabhekana nabo, ungeke ufumane ukulawula kokusetyenziswa kwakho kunye netyala lakho.
Ukuba uhlala uzama ukuhlawula ukuthengwa kwezolo, ezininzi zazo ezide ziphelile okanye zilibalekile, uya kuba nexesha elinzima kakhulu ukuzama ukucwangcisa ukhuseleko lwemali kusasa.
Yenza utshintsho kwiNkcitho kwiCash okanye kwiDebit
Enye into engafanelekanga yokusebenzisa amakhadi enkoleko kunokuba yimali kukuba awuveki ngathi usebenzisa imali yangempela.
Iimvakalelo ezimnandi ozifumanayo xa uthengile into ayinqanyuliwe kwiimvakalelo ezingathandekiyo okanye ezibuhlungu zokwenza intlawulo xa ufumana isitatimenti sekhadi lesikweletu . Ukunqakraza kunokukukhokelela ekubeni ungadlulanga imali kwi-credit, kuba awukuze uhlangabezane nemiphumo yemali kude kube kamva.
Ukubeka amakhadi akho okweleta kwi-ice okwesikhashana kunye nokusebenzisa imali, ukujonga, okanye ikhadi lokukhwabanisa alikufumani impendulo efanayo. Ukusebenzisa imali ngemali kunokuba namandla ngakumbi, ekubeni ubona imali ishiye izandla zakho. Akufuneki ukuba unqumle onke amakhadi akho ekwerethi ngokulungileyo kodwa usebenzisa imali okanye ikhadi lakho lokubambisa kwinyanga inokukunika imbono malunga nendlela ochitha ngayo ngokwenene.
Phinda uhlolisise i-Money Mindset yakho
Ukuze ufumane ulawulo lwenkokhelo yakho kunye netyala lakho lekhadi lesikweletu , kufuneka uqonde imali kuthetha kuwe. Oko kubandakanya indlela osebenzisana ngayo nemali kunye nantoni na iinkolelo onalo ngazo. Ngokomzekelo, uphando lubonisa ukuba abantu abanentlonelo ephantsi bachitha imali engakumbi kunye nokuthenga izinto abazidingayo. Isimo sengqondo sabazali bakho kunye nokuziphatha ngokunyuka kwemali kunokuchaphazela izigqibo ozenzayo njengomdala.
Khawukhumbule imihla ngemihla ukuba imali okanye ukungabikho kwayo akuyikuchonga ukuba ungubani.
Ukubaluleka kwakho njengomntu ongenakwenza ntoni nemali enayo. Xa ukholelwa ngokwenene oku, kwaye imali ayisayixhunyiwe kwindlela ozijonga ngayo, uvula iingqobo zengqondo ezikugcinayo ngokusesikweni ukuphatha imali onayo kunye nokunciphisa amandla akho okwenza ngaphezulu.
Okwangokunje, iinkolelo zakho zokunciphisa izinto ezingenakukwazi ukukugcina ukuba ube yimpumelelo kwimali, kodwa njengoko uqala ukwakha iimvakalelo zakho zokuzixabisa kwaye uhlakulele isimo sengqondo esifanele malunga nawe kunye nemali, uya kutsala izinto ezintle ebomini bakho. Njengoko wenza njalo, uya kuziva ungaphantsi kwesidingo sokwenza iimvakalelo ezilungileyo ngokuthenga izinto, kwaye kuya kufumana kulula ukuyeka ukuthenga izinto ongenanto.
Fundiswa ngemali
Kukho amakhulu amabhuku, amanqaku eemagazini, kunye newebhsayithi kwi-intanethi malunga nokukrazula ityala lekhadi lesikweletu.
Abanye babo banikeza iingcebiso ezifanelekileyo malunga neengqondo zengqondo kunye nenkcitho oya kuyenza kakuhle.
Ukuba izinto zengqondo zichaphazela ukuchitha imali, iinkqubo zokunciphisa iitaliti zifana nokusebenzisa iziqhumiso zokugubungela iphunga lomzimba: ziza kuthatha kuphela iimpawu, kungekhona imbangela engundoqo. Ukusebenza kwimiba yengqondo xa uthatha amanyathelo okunciphisa amatyala kuya kunyusela kakhulu amathuba akho okuphumelela kwexesha elide.
Zininzi zamabhuku endizithandayo kulo mbandela zibhalwe ngezantsi, zonke zifumaneka kwi-Amazon.com. Ukuphonononga kwesi sihloko ngakumbi, funda enye okanye ngaphezulu:
Isibindi sokuba Sisityebi nguSuze Orman
Imali Yakho okanye Ubomi Bakho ngoJoseph R. Dominguez noVicki Robin
Ulungelelaniso lwemali: Ukuxazulula iingxabano zemali ebomini bakho kunye nobudlelwane bakho , nguOlivia Mellan
Ukuxhamla: Ukunceda abaThengisayo , ngaba-Ellen Mohr Catalano kunye noNine Sonenberg