Umenywe emcimbini! Ngosuku lokuzalwa, lomshado noma lokugubha usuku. Umbuzo wokuqala emva kokuthi "yini okufanele ugqoke?" Kuba ngumbuzo "ukuthi yini ongayinika?". Ngifuna isipho sakho sibe esihle, esiwusizo futhi esimnandi kumsunguli womkhosi. Kwenzeka ukuthi zonke izipho ozithinte ekhanda lakho, ngesizathu esithile azivumelani noma awuthandi. Ngezinye izikhathi kubonakala sengathi umuntu usenayo yonke into. Noma mhlawumbe awunaso isikhathi sokuthenga isipho. Ezimweni ezinjalo, sebenzisa isipho esinjalo, njengemali. Lesi isipho esiyingqayizivele, imali ngeke neze ivinjiswe yinoma ubani futhi ngeke ibe yinto engafaneleki. Ngendlela, kwenzeka ngisho nokuthi umuntu ngokwakhe ucela ukuthi angamakheli izipho, kodwa nje ukunikeza imali.
Kodwa angingayifuni kanjani ukwelulela umuntu obiza imali nge-envelope encane, engcono kakhulu, enezimbali. Kulesi sihloko sizokunikeza amathiphu wokuthi unganikela ngemali ngendlela engavamile, ukuze isipho sakho sikhunjulwe isikhathi eside.
Unganikela ngemali isikhumbuzo?
Unganikela imali kuze kube yisikhumbuzo ngezindlela eziningi, nakhu ezinye zazo:
- Thenga isitshalo semithi esihlahleni somuthi. Namathisela izikweletu zemali esihlahleni somuthi phakathi kwamaqabunga, wenze kahle, usuku lokuzalwa lwesitshalo kulowo yini. Ngenxa yalokho, uzothola isihlahla "esiyimali" esiyingqayizivele ebhodweni. Ukuze uthole umuthi onjalo ungasebenzisa isisekelo sokufakelwa. Thela ubhodlela lwemali, bese wenza umgqomo wocingo.
- Gcwalisa ngemali ingilazi evamile yeglasi, gcwalisa uphinde uyihlose ngokucophelela. Engeza okubhaliselwe njengokuthi "gcina imali ebhange". Noma, sebenzisa i-piggy bank esiphelile esitolo, kuphela kuyadingeka ukuthi ibe sobala futhi ingavula ngaphandle kokuphula.
- Indlela yokuqala yokunikela ngemali ingaba isimanga esihle. Thenga isimanga esimnandi, ukuvula ngokucophelela, ummese, uhlukanise ushokoledi uphinde uthathe ithoyizi. Ebhokisini elisele elingenalutho, faka imali ehlungwe. Beka iqanda lepulasitiki libuyele emkhatsini we-halves we-chocolate, ugobe ngobumnene. Futhi ukwenza izinqola ze-tshokoledi zihlanganiswe kahle, ubhebhezele umsila ngomuncu ofudumele. Uma unikeza isipho esinjalo, ungakhohlwa ukusho ukuthi iqanda alilula, kodwa igolide noma isiphetho seqhawe lixhomeke kulo, ukuze isipho singayi kamuva enjabulweni yezingane.
Indlela yokuqala yokunikela ngemali yomshado
Umshado uyisikhathi esibalulekile futhi esibalulekile senhliziyo ezimbili zothando. Lolu suku luyenzeka kanye kuphela empilweni (eningi) futhi kufanele lukhunjulwe ngayo yonke impilo. Zama ngandlela-thile ukunikeza isipho esingavamile emshadweni, ukuze labo abasanda kushada bangalokothi bakhohlwe futhi bakhunjulwe ngokumomotheka. Sikunikeza izinketho eziningana:
- Nikeza labo abasanda kushada isifuba somcebo. Thola isifuba sokuhlobisa ngesitayela esidala, ufake imali phansi, futhi phezulu ngezinhlamvu zemali, ubucwebe bezimpahla zokugqoka kanye nezindwangu. Gcina isifuba ngekhikhi enkulu.
- Unganika imali iklabishi. Vele unikeze izikweletu phakathi kwamagqabha iklabishi. Iphuma iklabishi ngomqondo wangempela nangokomfanekiso.
- Akekho ongayenqaba i-suitcase yemali. Thenga idiplomate noma i-suitcase bese uyigcwalisa ngemali eningi. Iphakethe ngalinye linamathengi noma liphrintiwe imali eyimfihlo eyenziwa ngabanye, futhi kusukela phezulu kufaka imali eyodwa yangempela.
- Unganika imali njengokukhokha kokuqala kokuthenga okuthile futhi uhambisane nento oyidingayo kulokhu kuthenga. Isibonelo, banikeze abashadayo izitini ngesitolimende sokuqala ukwakha indlu, isondo elinokukhokha kokuqala kwemoto noma i-atlas yomhlaba ngemali yokwenyuka kwezinyosi.