Iingcebiso ezi-5 zokukugcina imali kwiZipho zeKrisimesi
Akukho mfihlelo yokuba ngexesha leeholide, abantu bathambekele ekugqithiseni imali . Kulo nyaka kuphela, umyinge waseMelika uceba ukuchitha i-$ 660 kwizipho. Yingakho ukubeka iindleko zeKrisimesi kunye nokunamathela kwisabelo-mali yinto ekufuneka wonke umntu enze umgudu wokwenza eli xesha leholide.
Ukwenza njalo, kubalulekile ukuthatha ixesha ukucwangcisa ngokucwangcisiweyo kunye nesabelomali ngezipho zeKhisimusi, ngoko ke ungasuki ukugqithisa imali kwaye ubeke izinto kwikhadi lekhredithi. Icandelo kwinqanaba: Ngokutsho kwedatha yakutshanje, abathengi abangama-24 abaneminyaka engama-24 abazange bahlawule iitaliti zabo zematyala kwiKrisimesi yokugqibela .
Ungavumeli ukuba oku kwenzeke kuwe. Nazi izicwangciso zethu ezihlanu ezilungileyo zokuphepha ukugqithisa imali ngexesha leeholide - kwaye usenokufumana into ekhethekileyo kuwo wonke umntu oluhlu lwakho.
01 Hlala kwi-Budget Gift Gift
Enye yezona zinto zibaluleke kakhulu onokuzenza ukuze ugcine imali kwizipho zeKhisimusi kukunamathela kwisabelomali sesipho . Unokufaka oku kubhajethi yakho yenyanga kwaye ubeke imali kwiKrisimesi kwiinyanga ezikhokelela kwiKrisimesi. Oku kufuna uhlahlo lwabiwo-mali ukuba uza kuchitha phi isipho ngasinye-kwaye unamathele kuso.
Uhlahlo lwabiwo-mali lungafaneli luhle kumnandi, ngokubhekiselele kwieholide, kodwa jonga nje njengengxaki yokudala. Ngokuqhelekileyo, ucinga ngokucophelela izipho (cinga: izipho ezenziweyo) zininzi kunentsingiselo kunokuba zibiza kakhulu. Ezi zicwangciso zokulondoloza iKrismesi zinokunceda unamathele kubhajethi yakho:
- Cinga ulindelo olubekwe ngamalungu entsapho kunye neemeko zentlalo xa wenza uhlahlo lwabiwo-mali. Unokufuna ukukhuthaza imida engaphantsi kwemali ukuba unentsapho enkulu.
- Ukuthengiswa kweentengiso kwaye uqale ukuthenga kwangaphambili. Ukuba unako ukuthenga izinto kulo nyaka, unokwenza isipho seeholide-ukuthenga ixesha elingacindezelekanga
- Ukubeka ecaleni kwenyanga nganye kwiKrisimesi kunokwenza kube lula ukwenza uhlahlo lwabiwo-mali.
02 Cwangcisa uluhlu lweKrisimesi yeNKhisimusi ngaphambili
Enye into ebalulekileyo yokulondoloza le melide yeholide kukucwangcisa phambili xa uthengisa izipho zeKhisimusi. Unokuqala ukukhangela izipho zeKrismesi nanini na ngexesha lonyaka, kodwa iiveki ezithengisa iiholide ezininzi njengeSuku lomSebenzi, uLwesihlanu oMnyama , kunye ne-Cyber ngoMvulo ziindawo ezinokuqala.
Ukuba uthengisa kusasa, qiniseka ukuba ugcine uluhlu lwezinto ozifumene ukuba ngubani na oko kusadingeka uthenge. Awufuni ukugqiba ukuthenga izipho ezintathu zomntu omnye kwaye akukho nenye kwenye. Unokucwangcisa phambili ngokuthelekisa iintengiso kunye nokuthengwa kwe-intanethi, ezinye iindlela ezimbini zokuqinisekisa ukuchitha imali yakho.
Hlola ezi ngcebiso ngokuthelekisa ukuthenga okanye ukuthenga izipho kusengaphambili:
- Gcina uluhlu olusebenzayo lunceda ukuba ubukele ixabiso elithengileyo kwinto ethile, kwaye ugcine umkhondo wale nto oye wathenga.
- Ukucwangcisa phambili kungenza lula inkqubo kwaye kuthathe inkxalabo yokufumana isipho esipheleleyo.
- Uluhlu lukuvumela ukuba ubuze abanye malunga nendawo yokufumana iindawo ezifanelekileyo.
03 Thenga enye okanye ezimbini izipho zeKrisimasi
Ngexesha leeholide, kuqhelekile ukuba uye kwiindawo zokugqibela zemizuzu okanye ukudibanisa, okanye kunye nefesti yeholide emsebenzini. Amaninzi amaninzi, kuya kufuneka ukuba ulethe isipho esincinci kula maqela - kwaye ezi zongezelelekileyo, izipho zeKhisimusi ezingalindelekanga zingakunqanda ibhajethi yakho.
Unokulungiselela oku ngokuthenga esinye sezipho eziphangaleleyo oza kunika xa ufumana isipho esingalindelekanga okanye ube neqela elingalindelekanga ukuya kuyo. Amakhadi eziphoso isisombululo esikhulu, kodwa ungacinga nokuba neebhotile zewayini okanye olunye uhlobo lwesipho somsindisi esandleni.
Ukuqwalasela oku: Unokufuna ukukhetha iintlobo ezimbalwa zezi ezahlukeneyo zezipho ukuqinisekisa ukuba isipho siya kufumana ummkeli.
Zama ezi ngcebiso malunga nokubeka kwisipho semini yokugqibela:
- Zama ukuthenga into onokuyithandayo xa nje ungayisebenzisi.
- Ungaphinda ubuyisele izipho ezingasetshenziswanga xa kuyimfuneko, kodwa khumbula, kungcono ukuba nento ethile kunokuba uzame ukuthenga into ethile ngomzuzu wokugqibela.
04 Khuthaza iKhitshi yeKrismesi
Enye indlela elula yokulondoloza kwizipho zeKhisimesi kukukwenza isipho sesisipho sikaSanta okanye usebenzise amagama. Ngale ndlela, uza kuthenga enye umntu. Oku kunokunceda ukugcina imali kwizipho, kunye nokuvumela abantu ukuba bathenge isipho esicatshulwa ngomntu omnye, kunokuba izipho ezininzi ezingenasisiseko.
Oku kungasetyenziswa ekunikeni iofisi kwakunye nokunikezelwa kweentsapho ezongeziweyo. Iintsapho ezinkulu zingenza phakathi kwabazalwana babo, kunye. Nesi sizathu sokuba ufanele ucinge ngeshintshi seSipho sikaShishino kulo nyaka:
- Ngokuqhelekileyo abantu baphela ngesipho esicacileyo esiluncedo, kwaye wonke umntu ugqiba ukuchitha imali ngaphantsi kunokuba bafuna ukuba uthenge wonke umntu.
- Isipho seSanta seSisulu kulula ukuseta kwaye abantu abaninzi bayagxuma ngeli thuba lokuba lula ukwenza izinto zabo zokuthenga.
05 Nika iKhisimesi Isipho Kulowo Ufuna
Thatha ixesha lekhefu leeholide ukunika umntu olifuna ngokwenene. Esi sipho sinokuba ngulo owenza umehluko omkhulu kumava akho okuthenga.
Kukho uncedo oluninzi olukhethiweyo oluya kunceda abo banesidingo ngexesha leeholide. Ungathenga lesi sipho ngelixa uphuma ukuyithengisa kwaye uyiphonsa ngokukhawuleza okanye unokugqiba isigqibo sokuhlela umqhubi wokudlala into ethile okanye intsapho ethile.
Unokucinga ngokunika izipho kubantu abanesidingo kunokutshintshana izipho kunye nosapho kunye nabahlobo. Khawuqwalasele oku kulandelayo ngokuthenga abo bafuna le Krismesi:
- Ukuthatha ixesha lokuncedisa omnye umntu kunokukwenza umehluko omkhulu kwaye kukuncede ukuba ungene kwiholide.
- Ukunika abo baneemfuno yindlela enye yokuthenga wonke umntu kwintsapho yakho, enokukugcina imali xa wenza okuthile ngexesha elifanayo.
Ukuhlaziywa nguRachel Morgan Cautero