Kukho izinto ezimbalwa ongazifanele ukuzithengela ngaphambili.
Enye indlela ephezulu yokwehlisa imali kwisiseko sebhajethi yentsapho yakho ukuthenga izinto ezisetyenziswayo xa kunokwenzeka. Kwiimeko ezininzi, uzakufumana yonke into esebenzayo ngaphandle kwento ethile kwiqhekeza leendleko - ngamanye amaxesha inxalenye encinane.
Kodwa kukho ukungafani kulo mgaqo. Kunokwenzeka ukuba ube ngepeneni kwaye i-pound-ubuwula ngesigqibo esitsha esasetyenziswayo. Nazi ezinye iinkalo zokunceda ukukhokela isinqumo sakho, siphefumlelwe ngumlobi wezezimali uDave Ramsey.
Izinto zokuthenga ezintsha
- Software yekhompyutha . Kukho ithuba elihle kakhulu lokuba usetyenziso lweprogram ye-intanethi obonayo kwi-intanethi iphoswe okanye mhlawumbi "yehla kwiloli." Ngoko ke, uya kuba utshintshi kwaye unobungozi kumntu owaziyo-yiyiphi i-glitches kwiprogram ehlanjululweyo .
- Ukhuseleko lwezemidlalo . Izixhobo ezininzi zokukhusela, kubandakanywa iinqwelo zebhayisiki kunye namadolo kunye neendwangu zemiqolo, zenzelwe ukumelana nefuthe elilodwa. Ekubeni awukwazi ukwazi imbali yenyaniso yento, soloko uthenge i-gear entsha yokukhusela. Umngcipheko kuwe okanye abantwana bakho akufanelekanga ukugcina ambalwa amabhaksi.
- Tires. Kulula ukuthabatha amathayi, kodwa kubalulekile ekusebenzeni okukhuselekileyo kwemoto yakho. Le yinye indawo apho ingozi kwintsapho yakho ayifanele ukuthenga isetyenzisiweyo. Ngaphandle koko, kuba wena (mhlawumbi) awunalo uchwepheshe wevili, kuya kuba nzima kuwe ukuvavanya ngokuchanekileyo imeko yesitya esetyenzisiweyo. Awusindisanga nantoni na ukuba "i-bargain" yakho isebenzisa isondo ikushiya ikhefu ezimbini kwiiveki kamva endleleni eya kwintlanganiso enkulu okanye ukuphuma kwintsapho.
- Ngaphantsi kweengubo . Ugh. Elitsha. Soloko isitsha. Ngokufanayo kunye nezihlamba zokuhlamba.
- AbaHumidifiers . Ezi zinto iifemu zegciwane. Ubungqina kunye neebhaktheriya ngokuqinisekileyo zixhaphake ngaphakathi kwintengiso yeeyadi okanye i-Goodwill humidifier. Ezintsha ziphantsi.
- Ubucwebe bomtshato . Intsapho ye-heirloom okanye isiqhamo esivunyiweyo sawo silungile. Kodwa kufuneka uqaphele ngokuthenga izitya zedayimane nantoni na ngaphandle kodwa ivenkile eyaziwayo. Kwaye, bafana, sithembele, isiqabane sakho asinomdla wokugqoka ibhinqa lomtshato elithengiweyo eBay ukusuka kwelinye iqabane lomtshato. Uyaqonda ukuba amathandana omtshato afuzisela umfuziselo kwaye akafanele afike ngeempahla zomoya!
Izinto zokuthenga ezisebenzisiweyo
- Iimoto. Wonke umntu uyazi oku, kunjalo? "Umzuzu uwugxotha kwiqashiso ... blah, blah, blah." Kuyi nyaniso. Konke. Khuphukisa imali yakho ngokuthenga imoto okungenani iminyaka emibini ubudala. Ukuthenga esetyenzisiweyo kwenza kube lula ukuhlawula imali ngemoto yakho, ngaloo ndlela ugweme iminyaka emininzi yokuhlawula imoto yenyanga.
- Izambatho zebantwana - Akufanele ufanele uthenge iingubo ezintsha ze-bambino yakho. Amalungu entsapho anokukwenza oko, ngelixa ufumana enye into evela kumatye ecawa, ukuthengisa kweeyadi kunye nabahlobo abanabantwana abancinane.
- Iincwadi. Kwakhona, sonke siyazi le nto. Into kuphela oyifumanayo ekuthengeni ikopi entsha kukuba "intsha entsha yevumba" kwaye okokuqala kukuqhekeka kokubopha. Ndiyathanda zombini kwezi zinto, kodwa akunakwaneleyo ukuhlawula ixabiso elipheleleyo lencwadi ndiza kufunda kanye. Nantsi imbono ehlobene: Qala ukusebenzisa ilayibrari kwakhona. Unokuba ufanele ulinde iintsuku ezimbalwa kuloo mthengisi ongcono kakhulu, kodwa uya kuba ... ekhululekile.
- Iimidlalo yevidiyo. Gcina i-$ 10- $ 20 kwizihloko zakamuva ngokulinda iinyanga ezimbalwa ukuthenga ikopi esetyenzisiweyo. Iimidlalo zevidiyo ezisetyenzisiweyo zivame ukubonakala kakuhle. Emva koko, bathengiswa ngenxa yokuba bebengabethwanga ngumnini wokuqala.
- Izixhobo zesebe . Ezi zizithengi zokuthengiswa kwegaraji. Zilula, zinzima yaye kulula ukuvavanya imeko yazo. Leyo nyundo yesi-2 isetyenzisiweyo iya kufakwa kunye ne-R17 model ukusuka kwi-Home Depot.
- Ukusetyenziswa kwezixhobo . Ubuninzi bempahla yokuzigcina emzimbeni ayiqhekekanga ngaphambi kokuba iguqulwe kwiingubo zokugqithisa okanye ihudulelwe emva kwendlu yangasese. Ama-gyms yasekhaya ayinalo-brainer ukuthenga ukusetyenziswa. Kodwa ndiya kwenjenjalo ukwenza umsebenzi wam wesikolo ngaphambi kokuthenga i-treadmill esetyenzisiweyo; ba no ku ziphatha.
- Ifenitshala . Oku kuyinyani ngokukodwa ukuba unika igumbi lokugcina okanye uthanda ukucoca ifenitshala. Abagcibi bekhwalithi, iitafile zekhofi, kunye ne-cetera zixabisa kakhulu. I-Craigslist.com igcwele iziqwenga zomgangatho kwixabiso eliphezulu.
Ngeli xesha lolu luhlu lusiza kuyo yonke imephu, linikeza izifundo ezibini ezibanzi. Ungaze uphathise ukhuseleko lwakho lweentsapho okanye impilo xa wenza isigqibo sokuthenga, kwaye ngokufanelekileyo, kufuneka ukwazi ukuvavanya imeko yento esetyenziswayo ngaphandle kolwazi olulodwa. Okuyinkimbinkimbi yento, i-riskier ithenge ukusetyenziswa.
(Umatshini wakho unokuqwalasela isithuthi esisebenzisiweyo.)
Ewe, njengokuba kukho ezininzi izigqibo ebomini, ukuqonda ngokuqhelekileyo kuyona ncoko yokwenza isigqibo sokuba uthenge omtsha okanye "ongekho ngaphambili."
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.