Indlela yokunciphisa uxinzelelo lwakho lwezezimali

Ingaba umngxuma epokothweni yakho ungenza njani umngxuma kwiintsini zakho? Impendulo luxinzelelo. Uxinzelelo lwemali luchaphazela ngaphezu kwe-wallet yakho. Inokuba nefuthe elibi kwimpilo yakho kunye nobudlelwane bakho phakathi kwabantu. Ayikho enye inkqubo apho iingcinga zethu zinokuthi ziguqule imisebenzi yethu yomzimba ngesiquphe kwaye ngamandla.

uxinzelelo lwenza umsebenzi isebe elikhethekileyo lomkhosi wakho, eliqeqeshelwe ukuthatha inyathelo likaxakeka ekuphenduleni izoyikiso ezinkulu. Nje ukuba ingqondo yakho ibone ingozi, ingena kumlo okanye kwindlela yokubhabha. Ithumela ii-odolo kwiindawo ezingaphandle ze-adrenal kunye ne-pituitary glands ukudibanisa i-hormone adrenaline kunye ne-cortisol.

Ezi ke zithumela iziqinisekiso kwiindawo ezahlukeneyo zomzimba ukonyusa uxinzelelo lwegazi, ukubetha kwentliziyo namandla ukuze ukwazi ukulwa okanye ukubhabha ngawo onke amandla umzimba wakho onokuwenza. Ngexesha lobunzima, uxinzelelo lusishukumisela ukuba senze ukusindisa ubomi okanye sihlangabezane nexesha elimiselweyo elibalulekileyo.

Kodwa ukuba ubunokubiza uxinzelelo edabini yonke imihla, umzimba wakho ngokuqinisekileyo ubuya kuziva imiphumo. Ukuxinezeleka ixesha elide kwandisa ingozi yokuhlaselwa yintliziyo, isifo seswekile, ukulahleka kweenwele, ukudakumba kunye nesifo seentsini.

Kulungile, ngoko ke ukuva ukuba uxinzelelo lunokwenza izinto zibe mbi kakhulu akuthobisi ncam. Iindaba ezimnandi zezokuba ixesha kunye nokwenza ngamabom kunokuphucula imeko yakho yezemali ngaxeshanye kwaye kukukhulule kuxinzelelo loxinzelelo.

Kweli nqaku, siza kugubungela iindlela ezilishumi zokwenza kanye loo nto. Siqala kuqala ngokususa ezinye zezithintelo zengqondo ezikugcina uxinezelekile ngokwasezimalini. Kodwa ngaphambi kokuba uqale, nantsi indlela yokuphucula izinga lokuguqulwa kwivenkile yakho ye-intanethi.

???? Imiqobo yengqondo yoxinzelelo lwezemali

1. Qala ngokunciphisa ukhetho lwakho

Kulula kakhulu ukuvumela uloyiko lokwenza ukhetho olubi lukuthintele ekubeni wenze naluphi na ukhetho konke konke. Mhlawumbi unemali encinci yokutyala imali, okanye unexhala lokuthenga kakhulu. Ngamanye amaxesha awukwazi ukwenza isigqibo ngeyona nto ibalulekileyo. Ukuba ujongene nentaphane yezinto ezinokwenzeka khumbula oku: akunyanzelekanga ukuba wenze ukhetho "olulungileyo" kodwa olona khetho. Akunyanzelekanga ukuba wenze ukhetho "lokugqibela". Kufuneka nje wenze ukhetho, ukhetho ukwenza.

Kukho izixhobo zokukunceda kwaye siza kukubonisa zona. Kodwa kuqala, makhe sijongane ngomnye umqobo wengqondo onokukugcina uxinezelekile ngokwasezimalini. Emva koko funda ukuyeka isimo sakho sengqondo sokungaphumeleli.

2. Siyeke isimo sakho sengqondo sokungabi nathemba

Umqobo wesibini wengqondo okhokelela kuxinzelelo lwemali kukungabi nathemba. Ukuba uloyiko lokwenza ukhetho “olungalunganga” malunga nemali yakho lukwenze uziva unyanzelekile, khawucinge ukuba abantu mabazive njani xa becinga ukuba akukho nto bayikhethayo kwaphela. Umbono wokuyeka isimo sakho sengqondo sokuphelelwa lithemba kukufumana indlela yokukholelwa ukuba ngandlel’ ithile, nakwezona meko zingenakuthenjwa, likho ithemba.

Imibutho efana IMelika igcina ikhona ukukunceda ufumane elo themba. Izinto ezilula ezifana nokwenza uludwe lokubulela okanye ukuzibona ungenangxaki yezemali nazo zinokukunceda uzive unethemba.

Ngoku uziva uthatha isigqibo kwaye ungoyiswanga, sele ukulungele ukufumana iindlela ezisebenzayo zokunciphisa uxinzelelo lwezezimali. Kodwa kuqala, makhe sithethe ngendlela yokoyisa omnye umqobo engqondweni wokunciphisa uxinzelelo lwezemali. Ndithetha ngeqabane lakho lobomi.

3. Yeka ukubheqa wenze isangqa

Ukusebenza kunye kuya kunceda ukugcina isikhephe sakho sezemali sihamba (kwaye ugcine uxinzelelo oluninzi!). Ukusebenza kunye kuya kunceda ukugcina isikhephe sakho sezemali sihamba (kwaye ugcine uxinzelelo oluninzi!).

Xa kufikwa kumba wemali, khawube nomfanekiso-ngqondweni wekhaya ngalinye njengephenyane. Ukuba uwedwa, kuya kufuneka utsale ubunzima bakho ukuze ufike apho ufuna ukuya khona. Ukuba unosapho omawuxhase, uhambo lwakho lunokuba lula okanye lube nzima kakhulu kuxhomekeke ekubeni ababheqi bakho babheqa kunye okanye hayi.

Thatha umzekelo wesibini esicingelwayo UFaustin noFaustina. UFaustine, umqweqwedisi odume kakubi, ufunda iiflaya zentengiso kwaye ukhalimela uFaustine ngokuhlawula i-0,50 yeedola ngaphezulu kwemfuneko yesepha. “Kodwa bekuya kufuneka ndiye kwiivenkile ezimbini ukuze ndifumane eso saphulelo!” » Uqhanqalazo lukaFaustin, ludanile.

Nakubudlelwane apho izibini ngokusisiseko zikwiphepha elifanayo lezemali, iiyantlukwano kwizinto eziphambili (ufuna ukuhambisa abantwana kwisikolo sabucala; iqabane lakhe lifuna ukugcinela ikholeji) linokuguqula isikhephe. Ukuhambisa iphenyane phambili, amaqabane kufuneka afunde ukunxibelelana kunye nokubheqa kunye.

???? Izixhobo zokujongana noxinzelelo lwezemali

4. Misela ibhajethi yakho kwaye unamathele kuyo

Ngoku ekubeni ususe imiqobo ethile engqondweni ekugcina uxinezelekile ngokwasezimalini, ukulungele ukufunda ngezisombululo zokwenyani zoxinzelelo lwemali. Kukho imigaqo emine esisiseko yokuphucula ubomi bakho bezemali: namathela kuhlahlo lwabiwo-mali, ukunciphisa inkcitho, ukunciphisa amatyala, kwaye uqale ukonga.

Uhlahlo lwabiwo-mali asiyonzululwazi ye-rocket. Ngamagama alula, ubeka umvuzo wakho phezulu kwiphepha nangaphaya koko utsala iindleko zakho. Imali eseleyo yinto onokuthi uyichithe kwezinye izinto, njengokunciphisa amatyala kunye nokunyusa ukonga.

Inqaku eliza kufundwa: Indlela yokuphepha iintlawulo zebhanki eziphezulu?

Ukuba nohlahlo lwabiwo-mali olubhaliweyo kukunika ukuzithemba kwisicwangciso sakho sezemali. Okunokukunceda ukuba unciphise kakhulu inqanaba loxinzelelo lwezemali. Kukho amakhulu ee-apps kunye nezixhobo onokuzisebenzisa ukwenza uhlahlo lwabiwo-mali. Nazi iindawo zohlahlo lwabiwo-mali zasimahla kunye nezixhobo zothungelwano lwezemali onokuzisebenzisa iMint.com, Geezeo.com, kunye neWesabe.com.

Nangona kunjalo, nabantu abaqondayo ukuba uhlahlo lwabiwo-mali lubalulekile banokuzifumana behla, kunokuba babambelele kuhlahlo lwabiwo-mali. Asipheleli nje ekubeni iindleko ezingalindelekanga—ukulungiswa kwemoto, ukunyuswa kwamaxabiso, kunye neentlawulo zeCub—ziyasonakalisa; singakwazi nokuphazanyiswa zizinto ezimnandi ezifana nezimemo zesidlo sangokuhlwa, iindawo zokumisa e-Starbucks, kunye neentengiso "ezimbini-nye" kwizinto esinokuzifuna okanye esingazidingi.

5: Nciphisa iindleko zakho

Ukunciphisa iindleko zakho kunciphisa uxinzelelo lwezemali. Xa usenza uqingqo-mali, usenokufumanisa iinyaniso ezingafunwayo malunga nemeko yakho yezemali. Ngethamsanqa, izakhono ozifundileyo ukoyisa imiqobo yengqondo ekugcina uxinezelekile ngokwasezimalini ziya kuba luncedo njengoko ujonga imiceli mngeni enokuthi ibonakale. Xa ibhajethi yakho ibonisa ukuba uneenyanga ezininzi kunemali, isisombululo kukunciphisa inkcitho.

Ngesimo sengqondo esifanelekileyo, ukunciphisa iindleko kunokuba mnandi ngokwenene. Khuthaza uFaustin omncinci ukuba azenzele eyakhe imali eyiBoy Scout ngokucheba ingca. Vumela uFaustine okwishumi elivisayo ukuba abe neyakhe i-smartphone- ukuba ufumana umsebenzi ngeMigqibelo ukuze ahlawule ityala. Yahlula uluhlu lwegrosari kwaye wahlule usapho ukuze ubone ukuba ngubani onokufumana eyona ntengiso ilungileyo.

Kukho kwakhona izixhobo zasimahla ze-intanethi zokukunceda ugcine. Siza kuthetha ngaloo nto kamva. Ngobuchule obuncinane kunye nesimo sengqondo esinethemba, unako kwaye uya kuphumelela ekunciphiseni iindleko zakho, ukushiya imali eninzi ekupheleni kwenyanga ukuze uchithe kwezinye iziseko zocwangciso lwezemali.

6: Yahlukana namatyala akho

Ngelixa ukuphelisa ityala, umhlala-phantsi, kunye nogcino olungxamisekileyo zonke zibalulekile ekupheliseni uxinzelelo lwezemali, ukuphelisa ityala kufuneka kube yeyona nto iphambili kuwe. Iindidi ezithile zamatyala (amatyala okubambisa, iimali-mboleko zabafundi, njl.njl.) zinokuba zilungile ngengqiqo yokuba ziyakunceda ukuba wakhe ukulinganisa kwakho ngetyala.

Ukuba unekhredithi egqwesileyo kwaye uzive ngathi amaxabiso akho aphezulu kakhulu kwityala lakho "elilungileyo", unokukwazi ukunciphisa iindleko ngokuhlengahlengisa iikhredithi zakho "ezilungileyo" kumaxabiso aphantsi.

Xa kufikwa kwityala "elibi" - ikhredithi ejikelezayo okanye ikhadi letyala - nangona kunjalo, isisombululo kuphela kukuhlawula ngokukhawuleza. Nanga amanye amacebiso okukhawulezisa ukunciphisa amatyala:

• Hlanganisa iibhalansi ze ikhadi letyala kwelona khadi libiza imali eninzi
• Soloko uhlawula ngaphezu kobuncinane bebhalansi.
• Ukuba uhlawula ngaphezu kwekhadi elinye, soloko uhlawula eyona mali iphezulu kwikhadi elona nqanaba liphezulu lenzala.

Xa sele uligqibile ityala lakho, ugqibela sele unemali eyongezelelweyo ekupheleni kwenyanga. Emva koko sithetha ngeendlela zokonga.

7: Amacebo okugcina umhlalaphantsi

Ukujonga ngokusondeleyo kukhetho lwakho lomhlalaphantsi kunye nokutyala imali ngobulumko kunokukunika uxolo lwengqondo lwezezimali.

Ukuba awukwazi ukwenza isigqibo sokuba ungayityala njani imali oyifaka kwiakhawunti yakho, cinga ngokuyigcina kwingxowa-mali yomhlalaphantsi ekujoliswe kuyo. Uzixelela ezi ngxowa-mali unyaka oceba ukuwuthatha umhlala-phantsi kwaye ingxowa-mali ikhethe indibaniselwano yesitokhwe kunye neebhondi eziya kukunika eyona mbuyekezo ingcono kunomngcipheko omncinci ngokusekelwe kwixesha onalo de kufike umhla wakho womhlalaphantsi.

Ngoku ekubeni utshintshile isimo sakho sengqondo kwaye wazi kakuhle iziseko, kufuneka uzive ungaphantsi koxinzelelo kwaye ulawule ngakumbi imali yakho. Kweli nqanaba, lixesha lokonwaba kancinci. Emva koko sithetha ngeendlela zokuphucula amanqaku akho ekhredithi.

8: Angaya kude kangakanani? Lungiselela amanqaku akho etyala

Ukuba inqaku lakho letyala liyakucinezela, liguqule libe ngumdlalo, ngendlela efanayo ojike ngayo ukucuthwa kweendleko kumdlalo wosapho owonwabisayo. Kwaye sithetha ngogcino lweendleko, sithethe ngaphambili malunga nezixhobo zasimahla kwi-intanethi ukukunceda wonge.

Ukufumana amanqaku asezantsi etyala yinkqubo ende nenzima yokuhlawula amatyala akho ngexesha, ukwakha ubulungisa, kunye nokuhlawula amatyala. Kuthatha iminyaka kwaye kukho iindlela ezimfutshane ezimbalwa. Nangona kunjalo, zininzi izinto onokuzenza ukuphucula amanqaku akho.

9: Khangela umnatha kwaye ugcine

IiSayithi ezifana neBillshrink.com ziyamangalisa, izixhobo zasimahla ezineengcebiso ezininzi zokonga imali kunye nezonga.

Uyamkhumbula uFaustine kwisibini esicingelwayo uFaustin noFaustine? Kunokuba akhangele iiflaya zebargains ebezinokonga kuphela iipeni (ebeziya kutshiswa ngokuya kwivenkile yesibini ukuya kuthenga), uFaustine ungenza kakuhle ukuphanda ezinye zeziza ezintsha.

IiSayithi ezinje nge-billshrink.com, billeater.com kunye ne-valdas.com ziinjini zokuthelekisa iindleko zasimahla ezikongela imali. Ufaka inkcazelo malunga nemali oyichitha kwigesi, amatyala efowuni, inkonzo kamabonwakude, amakhadi okuthenga ngetyala, izinto eziluncedo, i-inshorensi, kunye nezinye izinto ozisebenzisayo, yaye ezi sayithi zineendlela ezizezinye ezinokongela imali.

Umzekelo, ukuba uxelela uBillshrink ukuba uhlawula i-$ 3,65 yegaloni yegesi kwiSikhululo X kwi-Y Road, inkonzo iya kukwazisa ukuba kukho igesi ephantsi kufutshane.

Inqaku eliza kufundwa: Indlela yokukhetha ikhadi lakho lebhanki?

IiSayithi ezifana neBillshrink akubizi nto kwaye zikhuphe uxinzelelo ngaphandle kokuthelekisa iindleko ngokwenza uninzi lophando oluthatha ixesha kuwe. Ukwazi ukuba wonga imali kuya kukunika ukuzithemba ekuthengeni kwakho, nto leyo esizisa kwinqaku lethu lokuqala lokunciphisa uxinzelelo kunye nokonga imali. Iikhuphoni ziza ngokulandelayo.

10: Iikhuphoni, iikhuphoni ezizukileyo!

Intsomi ithi umnini weNkampani yeCoca-Cola uAsa Candler wenze ikhuphoni yokuqala yehlabathi ngokubhala amatikiti esiselo sasimahla seCoca-Cola ngo-1887. Ukususela ngoko, amatikiti baye baba sisiseko sobomi babathengi baseMelika.

Ngoku bagcwele kwi-intanethi kunye neziza ezifana neKhuphoni Sherpa kunye neefowuni zokusebenza ezifana nePushpin. Akunyanzelekanga ukuba ube "yiKhuphoni egqithisileyo" ukonwabela izibonelelo zamakhuphoni. Nanga amanye amacebiso okwenza ikhuponi ngaphandle koxinzelelo:

Funda intsingiselo: ikhuphoni “elibekekayo” lelinye apho ungasebenzisa khona unikezelo lomenzi ukongeza kwikhuphoni yevenkile. Ikhuphoni "ephindwe kabini" yimeko apho ivenkile iphinda kabini ixabiso lekhuphoni ngosuku oluthile okanye kwixesha elithile.

Zilungiselele: Iiapps eziphathwayo ezifana nePushpin cwangcisa kwaye ugcine umkhondo wamakhuphoni akho kuwe. Kwiivawutsha zephepha zakudala, kuya kufuneka uzilungiselele ngokwakho ngokomhla kunye nohlobo ukuze zingaphelelwa lixesha phambi kokuba ukwazi ukuzisebenzisa.

Thenga kuphela into oyifunayo: I-bargain ayimnandi kakhulu ukuba i-shampoo yesibini-nye iqokelela uthuli kwiinyanga zekhabhathi yakho emva kokuba uyithengile. Sika amakhuphoni kuphela kwiimveliso kunye neemveliso ozisebenzisayo.