Unganciphisa kanjani ukucindezeleka kwakho kwezezimali

Imbobo ephaketheni lakho ingabanga kanjani imbobo ezinsinini? Impendulo iwukucindezeleka. Ukucindezeleka kwezezimali kuthinta ngaphezu kwesikhwama sakho semali. Kungaba nomthelela omubi empilweni yakho nasebudlelwaneni bakho nabanye abantu. Ayikho enye inqubo lapho imicabango yethu ingashintsha khona ukusebenza komzimba wethu ngokuzumayo nangamandla.

ukucindezeleka kwenza umsebenzi igatsha elikhethekile lezempi yeqembu lakho, eliqeqeshwe ngokukhethekile ukuthatha isinyathelo esiphuthumayo ekuphenduleni izinsongo ezinkulu. Lapho nje ubuchopho bakho buzwa ingozi, bungena kumodi yokulwa noma yokundiza. Ithumela ama-oda ezindaweni ezingaphandle kwezindlala ze-adrenal kanye ne-pituitary ukuze kuhlanganiswe amahomoni i-adrenaline ne-cortisol.

Lezi ziphinde zithumele ukuqinisa ezindaweni ezihlukahlukene zomzimba ukuze kwenyuswe umfutho wegazi, ukushaya kwenhliziyo namandla ukuze ukwazi ukulwa noma ukundiza ngawo wonke amandla umzimba wakho ongawahlanganisa. Ngesikhathi senhlekelele, ingcindezi isicindezela ukuthi senze okuthile ukuze sisindise impilo noma sihlangabezane nomnqamulajuqu obalulekile.

Kodwa uma ubungabiza ukucindezeleka empini nsuku zonke, umzimba wakho ngokuqinisekile ubuyoyizwa imiphumela. Ukucindezeleka isikhathi eside kwandisa ingozi yokuhlaselwa yinhliziyo, isifo sikashukela, ukuqothuka kwezinwele, ukucindezeleka kanye nesifo sezinsini.

Kulungile, ngakho-ke ukuzwa ukuthi ukucindezeleka kungenza izinto zibe zimbi kakhulu akupholisi neze. Izindaba ezinhle ukuthi isikhathi nesenzo sangamabomu singathuthukisa ngesikhathi esisodwa isimo sakho sezezimali futhi sikukhulule ekucindezelekeni.

Kulesi sihloko, sizoxoxa ngezindlela eziyishumi zokwenza lokho kanye. Okokuqala siqala ngokususa ezinye zezithiyo zengqondo ezikugcina ucindezelekile ngokwezimali. Kodwa ngaphambi kokuthi uqale, nansi indlela yokuthuthukisa izinga lokuguqulwa esitolo sakho se-inthanethi.

???? Izithiyo Zengqondo Zokucindezeleka Kwezezimali

1. Qala ngokunciphisa ukukhetha kwakho

Kulula kakhulu ukuvumela ukwesaba ukwenza ukukhetha okungalungile kukuvimbele ekwenzeni noma yiziphi izinqumo. Mhlawumbe unemali elinganiselwe ongayitshala, noma ukhathazekile ngokuthenga okukhulu. Ngezinye izikhathi awukwazi ukunquma ukuthi yini ebaluleke kakhulu. Uma ubhekene nenqwaba yamathuba khumbula lokhu: akudingekile ukuthi wenze ukukhetha “okulungile,” kodwa ukukhetha okufanele. Awudingi ukwenza ukukhetha “kokugcina”. Kufanele nje wenze ukukhetha, ukukhetha ukwenza.

Akhona amathuluzi angakusiza futhi sizokukhombisa wona. Kodwa okokuqala, ake sikhulume ngesinye isithiyo somgwaqo esingakugcina ucindezelekile ngokwezimali. Khona-ke funda ukuyeka isimo sakho sengqondo sokuhlulwa.

2. Yeka isimo sakho sengqondo sokungabi nathemba

Isithiyo sesibili sengqondo esiholela ekucindezelekeni ngokwezimali ukungabi nathemba. Uma ukwesaba ukwenza ukukhetha “okungalungile” ngezimali zakho kukushiye uzizwa unamandla, cabanga ukuthi abantu kumele bazizwe kanjani uma becabanga ukuthi akukho abangakhetha kukho. Umqondo wokuyeka isimo sakho sengqondo sokuphelelwa ithemba ukuthola indlela yokukholelwa ukuthi ngandlela thize, ngisho nasezimweni ezingenakuphikiswa kakhulu, likhona ithemba.

Izinhlangano ezifana IMelika Iyasindisa ikhona ukuze ikusize uthole lelo themba. Izinto ezilula njengokwenza uhlu lokubonga noma ukuzibona ngeso lengqondo ngaphandle kwengcindezi yezimali nazo zingakusiza uzizwe unethemba.

Manje njengoba uzizwa unesinqumo futhi ungehluliwe, cishe usukulungele ukuthola amasu asebenzayo okunciphisa ingcindezi yezezimali. Kodwa okokuqala, ake sixoxe ngokuthi singanqoba kanjani esinye isithiyo esingokwengqondo sokunciphisa ukucindezeleka ngokwezimali. Ngikhuluma ngomlingani wakho wempilo.

3. Yeka ukugwedla emibuthanweni

Ukusebenza ndawonye kuzosiza ukugcina isikebhe sakho sezezimali sisebenza (futhi kukusindise ukucindezeleka okuningi!). Ukusebenza ndawonye kuzosiza ukugcina isikebhe sakho sezezimali sisebenza (futhi kukusindise ukucindezeleka okuningi!).

Uma kuziwa kwezezimali, cabanga umndeni ngamunye njengesikebhe. Uma uwedwa, kuzomele udonse isisindo sakho ukuze ufike lapho ofuna ukuya khona. Uma unomndeni ozowondla, uhambo lwakho lungaba lula noma lube nzima kakhulu kuye ngokuthi abagwedli bakho bagwedla ndawonye noma cha.

Thatha isibonelo sombhangqwana oqanjiwe UFaustin kanye noFaustina. U-Faustine, isigebengu esidume kabi, ufunda amaflaya okukhangisa futhi ukhuza u-Faustine ngokukhokha u-$0,50 ngaphezu kwalokho okudingekile ukuze uthole insipho. “Kodwa bekuzodingeka ngiye ezitolo ezimbili ukuze ngithole leso saphulelo!” »Imibhikisho kaFaustin, ikhungathekile.

Ngisho nasebudlelwaneni lapho izithandani zisekhasini elifanayo lezezimali, umehluko ezintweni eziza kuqala (ufuna ukuhambisa izingane esikoleni esizimele; umlingani wakhe ufuna ukulondolozela ikolishi) angaguqula isikebhe. Ukuyisa isikebhe phambili, abalingani kufanele bafunde ukuxhumana nokugwedla ndawonye.

???? Amathuluzi okubhekana nengcindezi yezezimali

4. Hlela ibhajethi yakho futhi unamathele kuyo

Manje njengoba usususe izithiyo ezithile zengqondo ezikugcina ucindezelekile ngokwezimali, usukulungele ukufunda mayelana nezixazululo zangempela zengcindezi yezezimali. Kunezimiso ezine eziyisisekelo zokuvuselela impilo yakho yezezimali: namathela kubhajethi, ukunciphisa ukusetshenziswa kwemali, ukunciphisa izikweletu, futhi uqale ukonga.

Ukwenza ibhajethi akuyona isayensi ye-rocket. Ngamagama alula, ubeka iholo lakho phezulu ekhasini futhi ngale kwalokho udonsa izindleko zakho. Imali esele iyona ongayisebenzisa kwezinye izinto, njengokunciphisa izikweletu nokwandisa ukonga.

I-athikili okufanele ifundwe: Ungazigwema kanjani izindleko zebhange eziphezulu?

Ukuba nesabelomali esibhaliwe kukunikeza ukuzethemba esu lakho lezezimali. Okungakusiza futhi ukuthi unciphise kakhulu izinga lakho lokucindezeleka ngokwezimali. Kukhona amakhulu ezinhlelo zokusebenza namathuluzi ongawasebenzisa ukudala ibhajethi. Nazi izingosi zebhajethi eziku-inthanethi zamahhala namathuluzi okuxhumana wezezimali ongawasebenzisa i-Mint.com, i-Geezeo.com, ne-Wesabe.com.

Kodwa-ke, ngisho nabantu abaqaphela ukuthi ukuhlelwa kwesabelomali kubalulekile bangazithola beshelela, kunokuba banamathele esimisweni sesabelomali. Akukhona nje kuphela ukuthi izindleko ezingalindelekile—ukulungiswa kwezimoto, ukukhuphuka kwamanani entengo, nemali ekhokhwa ngamaCub—ziyasilimaza; futhi singaphazanyiswa yizinto ezijabulisayo ezifana nezimemo zedina, izitobhi ze-pit kwa-Starbucks, kanye nokuthengiswa “kokubili-komunye” ezintweni esingase sizidinge noma singazidingi.

5: Yehlisa izindleko zakho

Ukunciphisa izindleko zakho kunciphisa ukucindezeleka kwakho kwezezimali. Lapho uhlela ibhajethi, ungase uveze amaqiniso angafuneki mayelana nesimo sakho sezezimali. Ngenhlanhla, amakhono owafundile ukuze unqobe izithiyo zengqondo ezikugcina ucindezelekile ngokwezimali azofika abe usizo njengoba uzulazula ezinseleleni ezingavezwa yisabelomali. Uma ibhajethi yakho ikhombisa ukuthi unezinyanga eziningi kunemali, isisombululo siwukunciphisa ukusetshenziswa kwemali.

Ngesimo sengqondo esifanele, ukunciphisa izindleko kungase kube mnandi ngempela. Kwenze umdlalo Khuthaza u-Faustin omncane ukuthi azitholele eyakhe i-Boy Scout ngokugunda utshani. Vumela u-Faustine osemusha ukuthi abe neyakhe i-smartphone - uma ethola umsebenzi ngeMigqibelo ukuze akhokhe isikweletu. Hlukanisa uhlu lwegrosa futhi uhlukanise umndeni ukuze ubone ukuthi ubani ongathola idili elingcono kakhulu.

Kukhona futhi izinsiza zamahhala eziku-inthanethi zokukusiza ukuthi wonge. Sizoxoxa ngalokho kamuva. Ngobuhlakani obuncane kanye nesimo sengqondo sokulindela okuhle, ungakwazi futhi uyophumelela ekunciphiseni izindleko zakho, okukushiye nemali eyengeziwe ekupheleni kwenyanga ongayisebenzisa kwezinye izinto eziyisisekelo zokuhlela izimali.

6: Lahla izikweletu zakho

Nakuba ukuqeda izikweletu, umhlalaphansi, nokonga izimo eziphuthumayo konke kubalulekile ekuqedeni ukucindezeleka kwezezimali, ukuqeda izikweletu kufanele kube yinto ehamba phambili yakho. Izinhlobo ezithile zezikweletu (ama-mortgages, izimali mboleko zabafundi, njll.) empeleni zingaba zinhle ngomqondo wokuthi zikusiza ukwakha isilinganiso sakho sesikweletu.

Uma unesikweletu esihle kakhulu futhi unomuzwa wokuthi amanani akho aphezulu kakhulu esikweletini sakho "esihle", ungakwazi ukunciphisa izindleko ngokuhlela kabusha amakhredithi akho "amahle" ukuze abe amanani aphansi.

Uma kukhulunywa ngesikweletu "esibi" - isikweletu esijikelezayo noma ikhadi lesikweletu - nokho-ke, isixazululo kuphela ukuyibuyisela ngokushesha ngangokunokwenzeka. Nawa amanye amathiphu okusheshisa ukuncishiswa kwezikweletu:

• Hlanganisa amabhalansi we ikhadi lesikweletu ekhadini elishibhe kakhulu ngangokunokwenzeka
• Njalo khokha ngaphezu kwebhalansi encane.
• Uma ukhokha ikhadi elingaphezu kwelilodwa, hlala ukhokha inani eliphezulu kakhulu lemali ekhadini inani lenzalo eliphezulu kakhulu.

Uma ususiqedile isikweletu sakho, ugcina usunemali eyengeziwe ekupheleni kwenyanga. Sibe sesikhuluma ngamasu okonga.

7: Amaqhinga Okulondoloza Umhlalaphansi

Ukubhekisisa izinketho zakho zokuthatha umhlalaphansi kanye nokutshala imali ngobuhlakani kungakunikeza ukuthula kwengqondo ngokwezimali.

Uma ungakwazi ukunquma ukuthi ungayitshala kanjani imali oyifaka ku-akhawunti yakho, cabanga ukuyigcina esikhwameni somhlalaphansi ohlosiwe. Lezi zimali uzitshela unyaka ohlele ukuwuthatha umhlalaphansi bese isikhwama sikhetha inhlanganisela yamasheya namabhondi ezokunikeza imbuyiselo engcono kakhulu kanye nengcuphe encane ngokuya ngokuthi unesikhathi esingakanani kuze kube usuku lwakho lokuthatha umhlalaphansi.

Manje njengoba usushintshile isimo sakho sengqondo futhi wazi kahle izinto eziyisisekelo, kufanele uzizwe ucindezelekile futhi unamandla okulawula izimali zakho. Kuleli qophelo, sekuyisikhathi sokuzijabulisa okuncane. Bese sikhuluma ngezindlela zokuthuthukisa isikolo sakho sesikweletu.

8: Angahamba ibanga elingakanani? Lungiselela isikolo sakho sesikweletu

Uma isikolo sakho sesikweletu sikugcizelela, siguqule sibe umdlalo, ngendlela efanayo oguqule ngayo ukunciphisa izindleko kwaba umsebenzi womndeni ojabulisayo. Futhi uma sikhuluma ngokongiwa kwezindleko, sike sakhuluma ngaphambili ngamathuluzi amahhala aku-inthanethi angakusiza ukuthi wonge.

Ukuthola amaphuzu aphansi esikweletu kuyinqubo ende futhi ekhandlayo yokukhokha izikweletu zakho ngesikhathi, ukwakha ukulingana, nokukhokha isikweletu. Kuthatha iminyaka futhi kunezinqamuleli ezimbalwa. Nokho, kunezinto ezimbalwa ongazenza ukuze uthuthukise isikolo sakho.

9: Phequlula inethi bese ulondoloza

Amasayithi afana ne-Billshrink.com ayizinsiza ezimangalisayo, zamahhala ezinamasu amaningi okonga imali nokonga.

Uyamkhumbula u-Faustine kumbhangqwana wethu oqanjiwe u-Faustin no-Faustine? Kunokuba askene amaflaya ukuze athole ama-bargains abezogcina kuphela amapeni (abengashiswa ukuya esitolo sesibili ayothenga), u-Faustine uzokwenza kahle ukuphenya amanye amasayithi amasha. ukwehlisa izindleko nokuqhathaniswa kwezindleko ku-inthanethi.

Amasayithi afana ne-billshrink.com, billeater.com kanye ne-validas.com ayizinjini zokuqhathanisa zezindleko zamahhala ezikongela imali. Ufaka ulwazi mayelana nalokho okusebenzisa kuphethiloli, izikweletu zeselula, isevisi ye-TV, amakhadi esikweletu, izinsiza, umshwalense, kanye nezinye izinto ozisebenzisayo, futhi lawa masayithi akunikeza ezinye izindlela ezingakongela imali.

Isibonelo, uma utshela u-Billshrink ukuthi ukhokha u-$3,65 ilitha likaphethiloli eSiteshini X ku-Y Road, isevisi izokwazisa uma kukhona igesi eshibhile eduze.

I-athikili okufanele ifundwe: Ungalikhetha kanjani ikhadi lakho lasebhange?

Amasayithi afana ne-Billshrink awakubizi lutho futhi akhipha ingcindezi ekuqhathaniseni izindleko ngokukwenzela ucwaningo oluningi oludla isikhathi. Ukwazi ukuthi wonga imali kuzokunikeza ukuzethemba ekuthengeni okwenzayo, okusiletha ephuzwini lethu lokuqala lokunciphisa ingcindezi nokonga imali. Amakhuphoni ayeza ngokulandelayo.

10: Amakhuphoni, Amakhuphoni Akhazimulayo!

Inganekwane ithi umnikazi we-Coca-Cola Company u-Asa Candler udale ikhuphoni lokuqala emhlabeni ngamathikithi okubhala ngesandla esiphuzo samahhala se-Coca-Cola ngo-1887. Kusukela lapho, amakhuphoni sebeyinsika yempilo yabathengi baseMelika.

Manje sezigcwele i-inthanethi enamasayithi afana nekhuphoni Sherpa nezinhlelo zokusebenza zefoni ezifana ne-Pushpin. Akudingekile ukuba ube "Ikhuphoni Elidlulele" ukuze ujabulele izinzuzo zamakhuphoni. Nawa amanye amathiphu okwenza ikhuphoni ngaphandle kwengcindezi:

Funda ulimi: ikhuphoni “elibekekayo” ingelinye lapho ungasebenzisa khona ukunikezwa komkhiqizi ngaphezu kwekhuphoni lesitolo. Ikhuphoni "eliphindwe kabili" yisimo lapho isitolo siphinda kabili inani lekhuphoni ngosuku noma inkathi ethile.

Hlela: izinhlelo zokusebenza zeselula ezifana ne-Pushpin zihlela futhi zilandelele amakhuphoni akho. Kumavawusha ephepha ayisidala, uzodinga ukuwahlela ngokwakho ngosuku nokuthayipha ukuze angaphelelwa yisikhathi ngaphambi kokuthi uwasebenzise.

Thenga kuphela lokho okudingayo: i-bargain ayimnandi kangako uma leyo shampoo ye-two-for-one iqoqa uthuli ezinyangeni zekhabethe lakho ngemuva kokuyithenga. Sika kuphela amakhuphoni emikhiqizo nemikhiqizo oyisebenzisayo ngempela.