Buyekeza uhlelo lakho lokuphatha imali ukuze ubone ukuthi usalubambile yini, kuloba uNokwazi Chonco
UNYAKA uhamba ngokushesha impela, akukholakali ukuthi sesiphakathi nawo njalo. Ngesikhathi uqala unyaka, sonke sasimatasa sihlanganisa izinhlelo nezinjongo zethu zezimali.
Manje yisikhathi sokubuyekeza lezo zinhlelo ukuqinisekisa ukuthi sisahamba ngendlela yini. Loku kuzosisiza ukuthi sijabule kahle ngamaholidi kaDisemba ngoba sizobe sizihlelele kahle ngokwemali.
Lesi yisikhathi esihle sokubheka ukuthi sisahamba ngokuyikho yini noma sesiphumile endleleni. Uma sesiphumile endleleni, kumele sisukume ukuze sizobuyela ezinhlelweni zethu noma sihlele kabusha.
Sekusele izinyanga ezimbalwa kuphele unyaka. Kubalulekile ukubuyekeza izinhlelo zethu zezimali, sisakwenza esasithe kumele kwenziwe ukuze siphume ezikweletini? Sisayibeka imali esathi sizoyibeka nyanga zonke?
Masingalenzi iphutha elifanayo lokungena emaholidini kaDisemba singazilungiiselele.
Manje kufanele ngabe sesiwufezile uhhafu wezinhloso zethu zokonga, ukuphungula izikweletu nokutshala imali. Bheka izindawo ezidinga ukuphuculwa ukuze uphumelele ngohlelo lwakho.
Bheka izindawo lapho ongenzanga kahle khona ulungise. Sisekhona isikhathi sokuhlela kabusha, ikakhulukazi uma kukhona osekushintshile ngezinhloso onazo.
Yisikhathi esihle sokuzihlolisisa uthole ukuthi yiziphi izinto ezibangele ukuthi usuke ohlelweni lwakho, njengokuthi uyahluleka ukuzithiba, mhlawumbe izinhlelo nemigomo yakho ibingacacile, ubugagamelile noma ubungasinqumanga kahle isikhathi okufanele uzifeze ngaso.
Kungenzeka ukuthi ugxile kakhulu ekubekeni imali wakhohlwa yizikweletu? Zama ukuba nombono ophelele ngohlelo lwakho lwezezimali.
Izindlela ezimbalwa ezingakusiza
- Khuculula ukuze wonge
Kungenzeka ukuthi uqongelele izinto eziningi ongazidingi futhi ongazisebenzisi. Ngakho-ke, bhekisisa ekhaya uthole konke ongasakudingi ukudayise njengezimpahla zikagesi ezingasetshenzisiwe, izingubo zokugqoka owazithenga wangazigqoka.
Uma sekudlule izinyanga eziyisithupha kuya onyakeni ungakaze uzisebenzise, ungazikhohlisi ngeke usazisebenzisa ziyadise, imali ozoyithola uyonge.
2. Nciphisa izivumelwano zezinto ongazidingi
Izinkundla zokuxhumana zimatasa ngezindlela eziningi ezihlukene zokukhangisa ukuze siheheke ukuthenga. Singawakhohlwa nama-app amaningi okuthenga esinawo ezingcingweni zethu, siyaciphiza nje kuphela sithenge noma yini nomakuphi emhlabeni.
Phuma esiphithiphithini sokusebenzisa imali ngokweqile ezinkundleni zokuxhumana nakuma-app azolokhu ekuheha ngendali akukhiphe unomphela endleleni yakho. Nciphisa ukuzibophezela ezivumelwaneni eziningi zezinto ongazisebenzisi. Awukwazi ukukhokhela ukuya ejimini, kwi-yoga, isibhakela ne-pilates kanyekanye. Khetha okukodwa noma okubili okuhambisana nawe.
3. Bhala phansi indlela osebenzisa ngayo imali
Ngabe unenkinga yokubala nokukhumbula okwenze ngemali yakho? Noma unenkinga yokonga zinyanga zonke?
Bhala phansi ukuzikhumbuza indlela osebenzisa imali ngayo nyanga zonke. Bhala konke okwenzayo ngemali yakho usuku nosuku. Uzobona kahle ukuthi iya kuphi ngempela imali yakho, ukwazi ukwenza ushintsho oludingekayo.
Ngokufunda indlela osebenzisa imali yakho ngayo, uzobona kahle imikhuba yakho yokusebenzisa imali. Uzobe usukwazi ukuthola izisombululo.
4. Zijwayeze ukubonga
Bonga lokho onakho. Ukubonga kwenza wazise onakho. Kwenza weneliseke. Uma weneliswa onakho awuhlale ulangazelela okunye, okukusiza ukuthi ugweme ukusebenzisa imali budedengu.
Noma nini lapho ulingeka ukuthi ukhithize, vele ucabange lokho obusiswe ngakho futhi ubonge.
- UNkk uChonco uwungoti wezimali nomsunguli we-Ibanokwazi, inkampani efundisa ngokuphatha imali