Unokumangaliswa Ukubona apho Imali Yakho Iya khona
Ngokufanayo, ukulandelela imithwalo yakho yokuchitha imali kukunceda ukuba ubone imali enokuyichitha ngayo - leyo ingaba yinto eyahlukileyo kakhulu kwindleko ocinga ukuba uyichitha.
Ndide Ndibe Ndide Kangakanani Ndilandele Ukuchitha Kwam?
Abaqalayo abaqalayo bachitha phakathi kweveki ezimbini ukuya kwenyanga enye ukulandelela yonke into yokuthengisa ngaphambi kokuba benze uhlahlo lwabiwo-mali. Leyo nto yokuqala yokuqala ukuba awuzange ulandele imali yakho ngaphambili.
Emva kokuba udale uhlahlo lwabiwo-mali, kufuneka uqhubeke nokulandelela imali yakho ukuze ubone indlela zakho "zokuziphatha" zihambelana "neengcamango" ozikhankanyileyo kwisabelomali sakho. Ezi phesheya zeebhajethi ziyakunceda uqhathanise "okwenene" ngokubhekiselele kwi "yakho efanelekileyo".
Nceda! Ndineenkathazo zokugcina iinto ezilukhuni
Iindlela ezahlukeneyo zentlawulo zanamhlanje zingenza ukulandelela iindleko zakho ezinzima. Umntu unokugcina njani umkhondo ngamnye wemali ekhethiweyo, ikhadi lekhredithi, ikhadi lokukhwabanisa , isheke, ukurhoxiswa kwebhanki ngokuzenzekelayo kunye nokuthengiswa kwe-PayPal?
Kukho iindlela ezininzi zokulandelela imali kunye nokuhambelana nokuhlahlo lwabiwo-mali.
Yeka ukusebenzisa iCash
Unayo i-othomathikhi, iirekhodi zekhompyutheni zekhadi lesikratshi, ikhadi lokukhwabanisa, isheke, ukukhishwa kwebhanki ngokuzenzekelayo kunye nokuthengiswa kwe-PayPal. Uhlobo olulodwa lokuthengiselana olungabhalwanga ngokuzenzekelayo luyimali.
Ukuba uyeka ukuthenga izinto ngekheshi, uya kuzibamba kwilahleko yokufuna ukurekhoda yakho imali.
Kunoko, unokuhlaziya iirekhodi zakho zekhompyutha ngenye imini ngeveki (umz. Yonke iMigqibelo) kwaye ufake iirekhodi kwindawo eyodwa. Ungasebenzisa ispredishithi, incwadana, okanye enye yala maxwebhu okubhajethi .
Ndineenkcukacha zokubaluleka ezibalulekileyo, nangona kunjalo: abanye abantu bachitha imali ethe xa bebethela iplastiki. Bachitha ixesha elincinci xa kufuneka bahlukane kunye neendleko zedola ezihlaza.
Ukuba uwela kuloluhlu, qhubeka uhlawula izinto nge cash. Akukho sizathu sokuzibeka kwisimo apho ungase uchithe ngaphezu kokuqhelekileyo.
Zama i-Envelope System
Ekuqaleni kweveki nganye, yenza izinto ezininzi ezivulekileyo. Ukunikezela nganye imvulophu kwindawo ethile yokuchitha imali, kwaye uqaphele inani olifakayo kwimvulophu nganye.
Ngokomzekelo, iiphephelo zakho zingabhalwa ngokuthi "Ukutya kwama-$ 25," "i-Gasoline $ 75" kunye ne "Target $ 40." Njengoko ungeke uqikelele ngokupheleleyo zonke iindleko zakho, ngokukodwa ekuqaleni, gcina "iindibanise" imvulophu.
Ekupheleni kweveki, phawula inani oshiye kuyo kwimvulophu nganye. Imvulophu yakho yasemini, umzekelo, inokuba i-$ 5 ishiye. Imvulophu yakho yepetolini ingaba ne $ 12 esele. Iimvulophu yakho ejoliswe kuyo inokuthi ihambe "phezu kwesabelomali" - kufuneka usebenzise i-$ 10 kwi-mvulophu "Imimvulophu" ukukhawulela ukusilela.
Le yindlela elula yokulandelela imali yakho. Uza kubona imikhuba yakho yokuchitha ngaphakathi kwiindidi ezibanzi, ngaphandle kokunyamezela ukulahleka kokuthengisa yonke into eyenziweyo. Unakho ukuhlawula izinto ngekheshi, ezinokushukumisela ukuba uchithe ngaphantsi kunokuba ungathanda ukutshiza ikhadi leplastiki.
Yibhale phantsi
Gcina incwadana encinane kwaye ubhale phantsi kwisikhwama okanye esikhwameni sakho, kwaye ubhalise yonke intsebenziswano apho. Ungayibhalisa kwi-app ye-note kwi-smartphone yakho.
Inzuzo kule nto? Uya kucinga ukuba nzima malunga neendleko nganye. Ukubhala phantsi yonke intsebenzo kubangela ukuba uqaphele ngakumbi ngemikhwa yakho yokuchitha ixesha okwenza ukuthengiselana.
Ukungalungi? Kuyingxaki. Kulula ukuyeka. Kulula ukulibala. Kwaye akukho ndlela yokuqokelela ngokutsha idilesi ukuba ukufaka ingqalelo kwiindleko zakho kusishukumisa ingqondo yakho.