Iingcebiso zam zivela ngaxeshanye ukusuka kwingcali kwimali yobuqu kunye nesondlo. Namhlanje yindibaniselwano eluncedo kakhulu, ngombono wam.
Ke, ukuqala, ingcinga ephambili endifuna ukuyidlulisela. Ayizukuzisa imali yolonwabo, ukuba akukho ziphiko. Kwaye ngokuchasene noko, impilo ayinakuthengwanga nayiphi na imali. Ke ngoko, icebiso lam yinto yokuphucula impilo yakho ngo-2020. Njani ukonwaba kwaye uyavuya. Ungayisombulula njani ngokufanelekileyo imisebenzi kunye nemisebenzi yobungcali.
Inombolo ye-1.
Yiba nesicwangciso semali. Ukuzisola okukhulu, uninzi lwabantu luhlala, 'ukutyhoboza, esele inayo. Kwaye ifanele ibe yinto eyahlukileyo. Okokuqala uyayiqonda indlela oyifunayo, kwaye ke usebenzela ukufezekisa lo mgangatho wokuphila.
Inombolo ye-2.
Ngengqondo yokuthenga. Ngaphambi kokutsala imali kwi-wallet okanye qhoboshele ikhadi, zibuze: "Ngaba le mpilo, uvuyo, ulonwabo luya kundizisela.
Inombolo ye-3.
Yenza uphicotho lwee-asethi. Susa i-ballast. Umzekelo, ndathengisa imoto xa ndabona ukuba ezi ziindleko zentsebenzo. Le nkonzo yemoto itya kungekuphela kwemali kuphela, kodwa nexesha elichithwe kwitrafikhi i-jams, kunye nempilo. Iminyaka emibini ndiyakonwabela kwaye ndigcine uhlahlo-lwabiwo mali lwasekhaya. Kwaye sondle ngokulula amanyathelo ama-10 amawaka.
Irina Shabanova
Ifoto: Instagram.com/irinashabababalava_coach
Inombolo ye-4.
Yiba ngumtyali-mali. Hayi, andibonga ukubaleka kwaye ndityala imali kwiiprojekthi ezinqabileyo. Ndiyathetha, cinga ngayo yonke into kwisikhundla sabatyali. Nayo nayiphi na imali oyisebenzisileyo inokuzisa izabelo. Ndiza kumnika umzekelo. Umntu osetyenziselwa "imingxunya ye-patch", uyagula, uyagula kwaye ubaleka kwikhemisi yamayeza, ngelixa elinye, linengxaki yokufumana izifo, kunye nemeko elungileyo yokufumana impumelelo kwi ikamva. Ngaphandle kokusebenza ngokwasemzimbeni, amaZiko kunye neSondlo Elungeleleneyo kwihlabathi lanamhlanje alinakukwenza.
Inombolo ye-5.
Phola. Zikhathalele. Pamper ngokwakho. Ibinzana: "Andinakukwazi ukuyibuyisela" ukuyibuyisela i "Ndifuna ukuba njalo." Imali iya kuhlala iza kwiminqweno yakho yokwenyani. Ngakumbi ukuba usebenza kakuhle nesicwangciso semali.
Inombolo ye-6.
Phuhlisa isisa. Yabelana, nika. Imali ngamandla anamandla axhomekeke kwimithetho yemvelo. Ukuhamba okungenayo kuyalingana nokuphuma. Kwaye andikho malunga nesishumi, 'esidinga' ukunika, ndithetha ngesisa sokwenene xa ufuna ukuyenza. Inokufudumeza, ingqalelo, ixesha okanye incedise imali. Into ephambili kukuba umnqweno unyanisekile.
Ngaphambi kokutsala imali kwi-wallet okanye qhoboshele ikhadi, zibuze: "Ngaba undizisela impilo, uvuyo, ulonwabo"
Ifoto: HARTAHH.USPUS.com.
Inombolo ye-7.
Yenza uphawu lwakho. Ngakumbi ukuba unxulumene nentengiso. Namhlanje umntu uthenga umntu athandayo. Ukuthobela umnikelo wakho, ukuba yimveliso yemveliso yakho kubalulekile.
Inombolo ye-8.
Yenza into oyithandayo. "Fumana umba wobomi bakho, kwaye akufuneki usebenze" - ngamagama amangalisayo.
Inombolo ye-9.
Yiba yingcali kwishishini lakho. Namhlanje lixesha elinzulu. Yiba ngoyena mntu ubalaseleyo kwintsimi yakho, kwaye umvuzo uya kwanda.
Inombolo ye-10.
Yiya kwenye isangqa sonxibelelwano. Nxibelelana nabantu abanemivuzo apho uzabalazela khona.