Ziziphi iimpawu eziqhelekileyo isabelomali esiyimpumelelo? Ziziphi iimpawu ezibangela ukuba ezinye iibhajethi ziphumelele kwaye abanye bangaphumeleli?
Uhlahlo lwabiwo-mali lufanele lubonakalise zakho izinto ezibalulekileyo
Isinyathelo esinye asiyi kubeka uhlahlo lwabiwo-mali . Leyo nyathelo ezimbini. Inyathelo enye kukuhlala kunye nephepha elingenanto kwaye uphinde ucinge ngezinto ezibaluleke kakhulu ebomini bakho. Yintoni ebaluleke kakhulu kuwe? Ucinga ntoni wena ubomi? Le nyathelo ibaluleke kakhulu, ngoko ungayigqithisi.
Unokuchitha iintsuku eziliqela ucingisise ngale mbuzo. Unokufuna ukuxoxa ngayo nentsapho yakho, ngabahlobo okanye inkokeli yenkolo. Ukucinga ngokubalulekileyo malunga nezinto eziphambili kukubangela ukuba wenze izigqibo ezifana:
- Okuphambili kwam phambili kukuba kunemali eyaneleyo yomhlalaphantsi wam, ngoko andiyi kuba ngumthwalo wemali kubantwana bam kwiminyaka yam yegolide. Oku kubaluleke ngaphezu kokuthenga imoto eneminyaka emi-2 ubudala xa imoto eneminyaka emi-5 ingenza umsebenzi.
- Isibini esona siphumelele kakhulu kukuba sinemali eyaneleyo yokuthumela abantwana bam kwiikholeji. Oku kubaluleke ngaphezu kokuchitha iveki elunxwemeni kweli hlotyana.
- Into ebalulekileyo yesithathu kukuba ndiziva ndikhululekile ukufumana imali ehlawulwa ngokupheleleyo. Ukunikela i-$ 100 eyongezelelweyo ngenyanga kwi-mortgage ibaluleke ngaphezu kokufumana ifenitsha entsha.
Makhe ndicacise-anditsho ukuba izinto ezibalulekileyo ezibhalwe apha ngasentla zifanele zibe zezakho. Izinto eziza kuqala zizodwa - kufuneka uzikhethele izinto ezibalulekileyo.
Unokugqiba isigqibo sokuba ukuthatha abantwana bakho kwelinye ilizwe-ukuze bakwazi ukubona enye inkcubeko - ibaluleke ngaphezu kokuhlawula imali yakho yokuqala. Okanye unokugqiba isigqibo. Esi sigqibo sakho. Ingongoma kukuba uhlahlo lwabiwo-mali oluyimpumelelo lubonakalisa izinto eziphambili ezibalulekileyo.
Yenza amancinci, amaxesha angapheliyo
Kulula ukuyeka kwiinjongo ezinomdla kakhulu, ngokukhawuleza. "Yiya kwindawo yokuzivocavoca iintsuku ezisixhenxe ngeveki!" unokuba nomdla kunomntu ongenakho konke, kodwa "uye kwindawo yokuzivocavoca kabini ngeveki" injongo efanelekileyo. Ngokufanayo, ukukhawuleza ukuchitha imali yakho-okanye ukuphinda uqondise ngokukhawuleza imali yakho - ingaba yinto enkulu kakhulu yokuguqula indlela yokuphila. Kunzima ukuchitha imali eyi-100 kwizinto zokuzonwabisa nganye ngeveki ukuya ku-$ 0.
Yilwe uhlahlo lwabiwo-mali oluvumela ukuba wenze ama-tweaks amancinci kwimpilo yakho. Misela i-bag-bag-bags Yithengisa inguqu yezinto zokuthengisa ezithandayo (njenge-Nordstrom Rack esikhundleni se-Nordstrom). Ukuba uza kwenza utshintsho olukhulu, yenzeni kwindawo "enkulu yetikiti" - njengokuthenga i-Honda Accord yeminyaka eyi-6 esikhundleni se-Acura eneminyaka eli-1 ubudala. Yithengi oza kuyenza kuphela kanye - emva kokuba uthenge loo moto, akukho silinge sokuthenga imoto eyahlukileyo ngeveki ezayo.
Landelela iziphumo zakho
Akukho nto efanisa nokuvakalelwa ngempumelelo. Yakha izinto ezibalulekileyo kwibhajethi yakho ukuze ube nolwaneliseko lokushaya iinjongo zakho. Ezi zinto zibalulekileyo zingabonakalisa - xa uhlawule i-$ 10,000 eyongezelelweyo ekuhlawuleleni imali yakho yokuthenga imali (ngaphezu kweentlawulo zakho zokuhlawula rhoqo).
Ngokuqinisekileyo, awunayo yonke into ehlawulwayo ehlawulwa okwamanje - kodwa uneminyaka engama-10 000 eyi-$, kwaye yeso sizathu sokubhiyozela.
Nantsi ingongoma ebalulekileyo: Musa ukubhiyozela ngokutshabalalisa. Oku kufana nokubhiyozela ukulahlekelwa iipounds ezingama-5 ngokutya i-cheesecake yonke. Sifundiswa ukukholelwa ukuba "ukubhiyozela" kufuneka kubandakanye ukuchitha imali eninzi. Akunjalo.
Ukubhiyozelwa kwangempela - kwinqanaba layo - kubandakanya ukuchitha ixesha lokulunga nabantu obathandayo. Unokubhiyozela ngokuguqula umculo nokudansa kwigumbi lakho lokulala. Unokubhiyozela ngokuqeshisa i-movie oyikhonzile okanye uchithe usuku empakini oyithandayo. Okanye unokubhiyozela ngendlela oyenzayo xa usemntwaneni: ngokunika umntu onomdla ophezulu.