Ungayithatha njani imali ngobuchule? Njani ... Kiddy! Kwaye asiyi kugculela, kodwa sizibulale ubomi boMntu oZithandayo!
"I-Takebo: Inkqubo yoLawulo lohlahlo-lwabiwo mali lwaseJapan '(uMshicileli we-Alpina, ngo-2016) - Eli ligama le-TOMIK, elicacisa zonke izinto ezingayoyikayo zolondolozo kunye nokuphindaphinda kwiminwe, kumabhunga acacileyo kunye nemifanekiso emihle (ngokukodwa, abalinganiswa abahle njenge-pigray yoqoqosho kunye nengcuka eyonileyo. Sidlulile kwaye saqonda ukuba le yinto esasiyiyo ebomini kwaye ingenakuswele. Kwaye emva koko bakhetha ezinye iziqwenga ezinomdla neziluncedo.
Yintoni "koebeo"
I-Paregle yale nkqubo i-moto yeJapan i-MOTO Khani (1873-1957). Eli nenekazi laliseya (esikolweni - intombazana ekuphela komjelo, omnye wabafundi bokuqala beZiko leMfundo laseTokyo eTokyo, wadala isikolo sasimahla semfundo yasimahla kunye nomhlobo womhlobo ", nto leyo Ikhulu leminyaka ubudala ubudala), kwaye abafundi bafundile. Oko kukuthi, lungisa ulwazi malunga nengeniso yakho, inkcitho kunye nolondolozo- kwaye ulawula ngenyameko iindleko zasekhaya. Ukuzikholisa nje ngokungathi iwile, kodwa ngocinga kwaye ngenzuzo!Kudala ndifuna uqonda ukuba kutheni iinyanga ezininzi kangaka ekugqibeleni kwemali? Bala kwaye baqiniseke (ukuwela) ukuqonda ukuba batshona kanye njani? Funda ukuqokelela kwi-TRIPS kunye neendlela ezimnandi zeetshokholethi? Kodwa yonke into ayifikeleli izandla ... ngenxa yoko nje. Sicebisa ukuyijonga nge-pendel yomlingo - kwaye ibambe ithamsanqa lomsila!
Ke, Udinga i-kakebo ukuba:
- Ufuna ukwenza imali, kodwa awazi ukuba uqale phi.
- Udinga isixhobo esiza kunceda ngokulula kwaye sizise izinto ukuze u-odola.
- Ufuna ukwazi ukuba yintoni esiyichitha imali yonke imihla, kwaye uhlule iindleko ngohlobo lweemfuno.
- Ufuna i-algorithm ethile eya kuthi incede ukulandelela amanyathelo akho athile ukuze ikhuphe imikhwa emibi kwaye ithathe indawo eluncedo.
Ngokwenyani, le ncwadi ngokwayo iyintsimi elungiselelwe iirekhodi, nazo zonke iigrafu eziyimfuneko, amacandelo, iinkcazo. Kwaye waza wabhalwa ngokwahlukeneyo ngezinto ezishukumisayo - ezi ziinjongo (endifuna!), Kwaye ukubulawa kwawo (ndenze kakuhle!), Kunye nohlalutyo lwethamsanqa lakho elihle kunye nokusilela kwethamsanqa lakho. Ngeempawu zokuhamba kolulwandle, iidenafu ziya kusebenza iibhloksi ezibizwa ngokuba "yingceba" kunye neebhloko ezibizwa ngokuba "zibuza". Ewe, ekugqibeleni yeyona mizobo imnandi - imizobo ebonakalayo kunye nekhweshine yemibuzo ethembekileyo. Ngoku ayisiyondlela yokuhamba, kodwa uhlalutyo olunzulu! Kunyaka olandelayo mhlawumbi uya kuba upholile! ..
Mfutshane malunga nemigaqo yokonga imali
Inyathelo le-1. Gcina iBhili nge-odolo rhoqo ngenyanga.
Beka amakhadi etafileni ekuqaleni kwenyanga-nye yengeniso kunye nenkcitho emiselweyo. Umahluko phakathi kwengeniso, inkcitho emiselweyo kunye nenani ofuna ukulilungisa, kwaye kukho imali onokuthi uchithe kwisithuba esingapheliyo kwinyanga.
Rekhoda iindleko zemihla ngemihla. Eyona ndlela ilula kukugcina iitsheki ngexesha lasemini, ukubeka yonke inkcitho etafileni - ngaphambi kokulala okanye ngosuku olulandelayo kwisidlo sakusasa.
Ekupheleni kwenyanga nganye, umzuzu wenyani. Idabi le-piglets yezoqoqosho nge-Wolf Jestjoy!
Inyathelo lesi-2. Sibala ibhalansi ekupheleni kwenyanga!
Faka inkcitho yayo evekini kwaye iyonke inyanga ngenyanga ngoku kudidi (iindleko zasekhaya, inkcitho yokuphumla kunye nokuzonwabisa, iindleko zophuhliso lwenkcubeko kunye neendleko ezongezelelweyo). Ke uyakuqokelela idatha ekupheleni konyaka kuya kunceda ukuzobe ishedyuli yohlahlo-lwabiwo mali lonyaka lweentlobo ezahlukeneyo zeendleko. Ukongeza, ukuze ngokuthe ngcembe uyayiqonda indlela obambisa ngayo umthengi kunye nento oyichithayo. Umzekelo, nokuba uchebe iindleko ezongezelelweyo, chitha ngaphezulu kuphuhliso lwenkcubeko, njl.
IBhunga. Kwiitafile ezintlanu ezongezelelweyo, ungangena kwiindleko, ngokoluvo lwakho, kufuneka ubekwe esweni rhoqo. Umzekelo, icuba, ifowuni ephathekayo, ipetroli, njl.
Kwaye kuthekani ukuba ayicacanga ngokubala? Umzekelo, umzekelo, i-salon yobuhle. Ngomntu, ziindleko zekhaya ("ukuthatha izama ukungakwazi ukwenza umntwana"), emntwini-phumla ngeveki, ukuphumla okuqinileyo kunye nokuzonwabisa. Okanye umfanekiso: Ukuchitha kuphuculo lwasekhaya okanye uphuhliso lwenkcubeko? Cinga kunokukwenzele le nto - kwaye ungasebenzisi gadalala igrafu ethi "Ukuphumla", kuba kunokwenza nantoni na.
3 inyathelo. Bukela into eyenzekayo kwikota nganye.
Le mijikelezo iyafana, nganye yazo ineempawu zayo.
I-Piggy Bank yeengcebiso ezibalulekileyo kwisitayile se "Koebeo"
- Inxalenye yomvuzo oceba ukuchitha ngaphezulu kwenyanga, yahlula ngokulinganayo phakathi kweeveki. Zithembise ukuba ungadlulanga imali yeveki. Ukuba awuchithi uhlahlo-lwabiwo mali lweveki, sebenzisa le veki izayo okanye uthumele kwiBhanki ye-piggy. Ungaze ulibale ukubeka kwiBhanki ye-piggy ekuqaleni kwenyanga nganye okanye kwinxalenye ye-akhawunti yomvuzo!
- Ukucwangciswa luqoqosho oluphambili. Oku kuyinyani ngakumbi ekutyeni. Lawula iindawo zakho zokugcina izinto, jonga ukuba zeziphi iimveliso ezigcinwe ixesha elide, kwaye ekufuneka uzilungiselele ngokukhawuleza. Yenza imenyu yeentsuku ezininzi kwaye uthenge ngokuchanekileyo njengoko ufuna ukupheka. Ke, akunyanzelekanga ukuba wenze amasalelo okanye iimveliso ezigqithisileyo, kwaye uyakutya ngcono.
- Ngalo lonke ixesha, ukufumana umvuzo, ukuhlehlisa imali yeendleko ezisisigxina kwimvulophu. Ungalibali ngenye imvulophu: Iindleko zekhaya, ukuzonwabisa, njl njl. Okuseleyo kwi-akhawunti eyonga imali kwaye uzame ukuchitha kuphela imixholo yemvulophu. Ungachitha imali ngokukhuselekileyo xa imali kwizinto ezisisiseko ihlehlisiwe kwangaphambili.
- Ukuthunga ukuthenga ngenyanga. Rekhoda yonke into ofuna ukuyithenga, ukuthoba umhla kunye nesixa. Ukuba emva kweentsuku ezingama-30 uya kufuna ukuyithenga le nto, mhlawumbi le ayisiyonto engenamsebenzi. Le yindlela elungileyo yokuphepha ukuthengwa okungenakuthengwa, ngaphandle, uya kuba nexesha lokucinga malunga nemikhwa yakho yabathengi.
- Sukuthenga izinto ezixabiso eliphantsi zolondolozo: Soloko ukhumbula umyinge we "Ixabiso le-PATE". Ngcono is sweatshi elungileyo kuneshumi elinesihlanu. Izinto ezikumgangatho ophezulu zihlala zide njengezitsha, ngaphandle koko, uyakuphepha ukuphuphuma kwewadi.
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Ewe, kwaye eyona ixabisekileyo - kuba ezona zintle.
Nokuba awuzifezekisi zonke iinjongo kwaye akazifezekisi zonke ezi zithembiso, eqondile kwaye indlela yokulungisa ngayo onke amaxesha amangalisayo xa udibana nezitrato, wahamba wedwa kwinkampani entle okanye eyedwa, Uhambe, waya kwi-binema, funda iincwadi kwaye waphulaphula amavili ... ngalo lonke ixesha ujonge eKakebo, khumbula ukuba banjani na unyaka omuhle, kuba akukho nto ibaluleke kakhulu ebomini, enamava kunye nabahlobo!