Umenywe kwiqela! Ngomhla wokuzalwa, umtshato okanye isigubho. Umbuzo wokuqala emva kokuba "yintoni ukugqoka?" Yaba ngumbuzo othi "niyintoni na?". Ndifuna isipho sakho sibe sihle, sisebenzise kwaye siyamnandi kumsunguli wokubhiyozela. Kwenzeka ukuba zonke izipho ozithintele entloko yakho, ngenxa yezizathu ezithile azivumelani okanye aziyithandi. Ngamanye amaxesha kubonakala kuwe ukuba umntu unayo yonke into. Okanye mhlawumbi awunaso ixesha lokuthenga isipho. Kwiimeko ezinjalo, sebenzisa isipho esifanayo, njengemali. Lesi sipho sisonke, imali ayisoze yaphazamiseka ngabani na kwaye ayiyi kuba yinto engabonakaliyo. Ngendlela, oko kwenzeka nokuba umntu ngokwakhe akaceli ukuba ambonele iziphi izipho, kodwa nje ukunika imali.
Kodwa ndingathini na ukuba ndifune ukusolula kumntu obiza kakhulu umvulophu omncinci, ngokusemgangathweni, kunye neentyatyambo zeentyatyambo. Kule nqaku siza kukunika iingcebiso malunga nendlela yokunikela ngemali ngokungaqhelekanga, ukuze isipho sakho sikhunjulwe ixesha elide.
Unokunikela njani imali ngeminyaka?
Unokunikela ngemali kwisiganeko ngeendlela ezininzi, nantsi ezinye zazo:
- Thenga isitshalo semfuyo kwisihlahla somthi. Namathisela iibhokhwe zemali kwi-trunk yomthi phakathi kwamagqabi, yenza ngokufanelekileyo, usuku lokuzalwa lwesityalo kwi-shabby. Ngenxa yoko, uya kufumana "imali" ekhethekileyo kwimbiza. Ngenxa yomthi onjalo ungasebenzisa isiseko somsebenzi. Thela ibhokhwe yeengqekembe, kwaye wenze umgqomo wocingo.
- Gcwalisa ngemali iglasi eqhelekileyo, gxuma kwaye uyihlobise. Yongeza umbhalo othi "gcina imali ebhankini". Okanye, sebenzisa i-piggy ibhanki egqityiweyo kwisitoreji, yinto enqwenelekayo ukuba ibe yinto ecacileyo kwaye ivule ngaphandle kokuphula.
- Indlela yokuqala yokunikela ngemali inokumangalisa. Thenga umothuko olungummangaliso, ucole ngokucokisekileyo, ummese, ulwahlule ishokoleta uze uthathe umdlalo. Kulo bhokisi elingenanto elingenanto, faka imali ehluthwe. Beka iqanda leplastiki kwiinqumfa zetshokolethi, zibophe ngobumnene. Kwaye ukwenza i-chocolate yee-chocolate idibene kakuhle, uguqulule umnqamlezo ngomlenze ofudumele. Xa usinika isipho esinjalo, ungakulibala ukukhankanya ukuba iqanda alilula, kodwa igolide okanye i-hero ye-hero ixhomeke kuyo, ukuze isipho asiyi kuhamba emva kovuyo lwabantwana.
Indlela yokuqala yokunikela ngemali yomtshato
Umtshato ngumzuzu obalulekileyo kunye obalulekileyo kwiintliziyo ezimbini zothando. Le mini iyenzeka kanye kanye ebomini (ininzi) kwaye kufuneka ikhunjulwe kuyo yonke impilo. Zama ngandlela-thile ukunika isipho esingavamile emtshatweni, ukwenzela ukuba abasandul 'ukutshata bangalityalwa kwaye bakhunjulwe ngokumamotheka. Sinikela ngeendlela ezininzi:
- Nika abasandul 'ukutshata isifuba sobutyebi. Fumana isifuba sokuhlobisa kwisitayela esidala, ufake imali phantsi, kunye neentsika ngeemali, iingubo zokugqoka iingubo kunye neentsimbi. Gcoba isifuba ngekhikhi enkulu.
- Unganika imali kwiklabishi. Mane usasaze iindleko phakathi kwamagqabha eklabishi. Ivela iklabishi kwiqondo langempela nangomfuziselo.
- Akukho namnye ongayenqaba i-suitcase yemali. Thenga idiplomat okanye i-suitcase uze uyizalise ngemali eninzi. Iipakethi nganye zithengiwe okanye zishicilelwe imali eyenziwa ngabanye, kwaye zivela phezulu zibeka enye ibhilikhi yangempela.
- Unokunika imali njengentlawulo yokuqala yokuthengwa kwezinto kwaye uhambisane nayo into oyifunayo kule nto yokuthenga. Ngokomzekelo, banike abatsha abatshatile izitena ngefowuni yokuqala yokwakha indlu, isondo kunye nenkokhelo yokuqala yemoto okanye i-atlas yehlabathi kunye nemali ye-honeymoon.