Ukuphila ngeZikolo ukuya kwizifundiswa zemfundo, ukusuka kwinkxaso-mali kamama ngaphambi kwenguqulelo elandelayo xa uneminyaka engama-20 kwaye ulungile ngelungelo lesidenge sonwabile. Ukwenza okufanayo nge-30 elusizi.
Usebenze malunga neminyaka eli-10 kwaye wakha wafumana nawuphi na umsebenzi, unokuba nabantwana okanye uceba ukubafumana iipipaths ezivela kubahlobo kwaye ufihla ithemba lokuba ziya kunyamalala. Lixesha lokuqhuba uhlaziyo lwezithethe zayo zemali.
Phila ngendlela
Kanye njengesitoli-ukuchitha ixeshana njengoko ufumana, okanye ngaphantsi. Ukuba uswele ngokucacileyo kwesi situlo uye kwithoni ye-scarf, ukhenketho olunye kwihotele eneenkwenkwezi ezintlanu kunye neebhutsi (okanye zanele, kodwa ke uya kukhangela izinto ezongeziweyo kwi-Inzuzo, okanye ukhangele enye indlela engabizi.Thintela ityala
Umsebenzi nguSathana nolutsha oluphambili. Amatyala anoxinzelelo kunye ne-neurosis, i-Zadbolbanny inqwenela ukuba inyukele kubahlobo babo ngabahlobo nabaqokeleli, njengookresk, izangqa ezimxinwa, zezangqa ezinqamlezileyo. Le ikhula inzala kwimali mboleko kwaye, siya kuba sengqiqweni, kwicala elingaqhelekanga lokunganyange. Ungathatha ityala, kodwa eli linyathelo eligqithisileyo kwiimeko ezixekweni, lezo meko xa kufikwa kwimpilo okanye ubomi. Kodwa thatha ityala lokuthenga i-silk pajamas yombala we-lyme ukusuka "Chanel" -umqondiso wento yobudenge.
Ukuba amatyala ahamba nawe ngalo lonke ixesha, cinga ukuba uchitha imali eninzi qho ngenyanga, kwaye cinga ngendlela onokuyisika ngayo. Mhlawumbi awungebi sendlela yokuphila yedwa kumagumbi amathathu anegumbi, kwaye kufuneka uqhube ngaphandle, okanye ususe into ebuhlungu. Okanye ufumane iqabane kwaye ugalele iindleko. Okanye utya yonke imihla kwiivenkile zokutyela- ke kungcono ukutyala imali kwipani ye-furding elungileyo kwaye uqalise ukupheka.
Beka imali
Okwesibini - I-Kbashka yezicwangciso ezinkulu, iya kuwa apha ukuthenga imali yokuthenga indlu, iimoto, induli ye-Arabic okanye iziganeko ezinkulu ezifana ne-eco kunye nokuzalwa komntwana kwikliniki yaseSwitzerland. Ubungakanani buxhomekeke kubume bendalo yakho.
Kwaye ekugqibeleni, ityhubhu yesithathu inomhlala phantsi. Ewe, sikwazimisele ukuba mncinci ngonaphakade, kodwa kwimeko yonke ukuba ayinakukwenza ngaphandle kwakho kwaye ayiyi kuyeka, uyakufuna imali malunga nomhlala-phantsi, kuba ipenshini lethu sisigculelo. Ewe kunjalo, awukwazi ukuphila ngale mali kude kube sekupheleni kobomi bakho, kodwa uya kuba nakho ukuhlawula amatyala, ukuba unesiphelo sokusebenza, okanye usebenze kakuhle. Malunga ne-10% yengeniso yakho yenyanga kufuneka iye kwi-cube yepenshini.
Ngokomyinge, amantombazana amadala ahlehlisa malunga ne-25% yomvuzo.
Sukuchitha
Wonke umntu unemilinganiselo yokuphila eyahlukeneyo kunye neendlela zokuvumela imali yomoya, kodwa kukho ukungasebenzi kakuhle, nto leyo, ukuba ubambele i-SAM, batshisa uhlobo oluthile lwemali engaphandle kwemali. Oku kubandakanya iindlela ze-rands - oko kukuthi, izinto ezithi iindleko zibiza nje ngokuba kukho i-Stigma edumileyo, kwaye izinto ezingayi kufuneka kwi-3 kwiinyanga ezintathu, kodwa namhlanje zikhanyayo kuzo zonke iimagazini.Ukuthenga i-crap yokunethezeka, uyazithethelela ngento yokuba lo ngumgangatho kwaye kangangeenkulungwane, kodwa ubuncinci awuthandi. Umahluko osemgangathweni phakathi kwentengiso kunye nemakethi enkulu ayibalulekanga ukuba ikho nakanye. I-nonsense ibandakanya izidlo zemihla ngemihla kwi-cafe, ukuba unokuthatha ukutya kwi-iLanchbox, iteksi yokuqhuba ikhilomitha, kuba iikhilomitha ezinesitayile zineebhutsi ezisezinyikimeni. yeyona nto ilula.
Uhlahlo-lwabiwo mali
Hlawula amatyala ngexesha
Amanani kumanqatha ayinkulu kangako. Kodwa banokukhula, kuba isohlwayo bahlaselwa ziindleko ezingahlawulelwanga. Kwaye ukuba ibeka isixhobo sokuhlawula ixesha elide, uya kuthunyelwa enkundleni, kwaye ayithandeki kwaye ingonakalisa imbali yetyala. Thatha umkhwa wokuhlawula amatyala ngenyanga nangexesha lonke ukuze kungabikho nto ilibale ngayo nantoni na.