Ungayicabangela kanjani imali ngobuhlakani? Kanjani ... Kiddy! Futhi ngeke sihleke, kodwa vumela ukuzibulala impilo yakho!
"KakeBo: Uhlelo Lokuphathwa Kwesabelomali Sesabelomali SaseJapan" (Alpina Publisher, 2016) - Leli yigama le-Tomik, elicacisa konke okufihliwe kokonga kanye nokuphindaphindwa kweminwe, emikhayeni ecacile nezithombe ezinhle (ezitholakala emakhasini anjalo, ikakhulukazi, i-Wolf yezomnotho). Sidlule futhi sabona ukuthi yilokhu esasiyikho empilweni futhi sasingenalo. Futhi-ke bakhethe ezinye izingcezu zayo ezithakazelisa kakhulu futhi eziwusizo.
Kuyini "Koebeo"
I-Pareteli yalolu hlelo i-moto yaseJapan Khani (1873-1957). Le ntokazi neyakhe iphumelele (esikoleni - okuwukuphela kwentombazane emfudlaneni, omunye wabafundi bokuqala be-Women's High Education Institute eTokyo, wadala isikole esiyingqayizivele semfundo yamahhala kanye "nomngane womngane womngane", ingaphezulu kweminyaka eyikhulu), futhi abafundi bafunde okuhle. Okungukuthi, lungisa ulwazi mayelana nemali oyitholayo, ukuchitha imali kanye nokonga - futhi kulawule izindleko ngokucophelela. Ukuze ujabulise hhayi njengoba wawa, kepha ngokucabanga nangenzuzo!Kudala ngifisa ukuqonda ukuthi kungani izinyanga eziningi kangaka ekugcineni kwemali? Bala futhi uqiniseke (unqamule) ukuze uqonde lapho ngempela aminza kangaka? Funda ukunqwabelana ohambweni kanye nezindlela zobumnandi zokushoshosha? Kepha ngandlela thile awuzange ufike ezandleni ... ngakho-ke isizathu esikhulu nje. Sincoma ukukubheka nge-magic pendel - futhi ubambe inhlanhla ngomsila!
Ngakho-ke, Udinga i-kakebo uma:
- Ufuna ukwenza ukonga, kepha ungazi ukuthi uzoqala kuphi.
- Udinga ithuluzi elizosiza kalula futhi umane ulethe izinto uku-oda.
- Ufuna ukuthola ukuthi yini esiyisebenzisa imali nsuku zonke, futhi ihlukanise izindleko ngohlobo lwezidingo.
- Ufuna i-algorithm ethile ezosiza ukulandelela izinyathelo zakho ezithile zokususa imikhuba emibi futhi uzibuyisele zilusizo.
Empeleni, incwadi ngokwayo iyinkambu eyenziwe ngomumo yamarekhodi, nawo wonke amagrafu adingekayo, izigaba, izincazelo. Futhi ebhalwe ngokuhlukile ngezinto ezishukumisayo - lezi yizinhloso (engizifunayo!), Futhi ukubulawa kwazo (ngenze kahle!), Kanye nokuhlaziywa kwenhlanhla yakho nokwehluleka. Ngokujikeleza ama-asterisk alolwandle, ama-deppna azosebenza amabhlogo abizwa nge- "tip" namabhulokhi abizwa nge- "Chaza". Yebo, ekugcineni okumnandi kakhulu - ihluzo ezibukwayo kanye nemibuzo ethembekile. Manje akusona isikhathi sokuhamba, kepha ukuhlaziya okubucayi! Ngonyaka olandelayo cishe kuzoba ngcono kakhulu! ..
Kafushane ngemigomo yokonga imali
1 Isinyathelo. Gcina umthethosivivinywa u-oda njalo ngenyanga.
Beka amakhadi etafuleni ekuqaleni kwenyanga ngayinye - bhala imali engenayo kanye nokusebenzisa imali elungisiwe. Umehluko phakathi kwemali engenayo, ukusetshenziswa kwemali okulungisiwe kanye nenani ofuna ukulihlehlisa, futhi kukhona leyo mali ongayisebenzisa kungakapheli inyanga.
Qopha izindleko zansuku zonke. Indlela elula kunazo zonke ukugcina amasheke phakathi nosuku, ukuthi abeke yonke imali etafuleni - ngaphambi kokulala noma ngosuku olulandelayo ngesidlo sasekuseni.
Ekupheleni kwenyanga ngayinye, isikhathi seqiniso senzeka. Impi Yezingulube Zezomnotho ezinoWolf Transhoy ziqala!
2 Isinyathelo. Sibala ibhalansi ekupheleni kwenyanga!
Faka ukusetshenziswa kwemali kwayo masonto onke kanye namanani aphelele ngenyanga ngezigaba (izindleko zasekhaya, ukusetshenziswa kwemali ekuphumuleni nasekuzijabuliseni, izindleko zokuthuthukisa amasiko kanye nezindleko ezingezekile). Ngakho-ke uzoqoqa imininingwane ekupheleni konyaka kuzosiza ukudweba uhlelo lwesabelomali sonyaka ngezinhlobo ezahlukahlukene zezindleko. Ngaphezu kwalokho, ukuze kancane kancane ungayiqaphele imikhuba yakho yabathengi futhi ulisebenzisa kahle. Isibonelo, ukuthi usika izindleko ezengeziwe, uchithe okuningi ekuthuthukisweni kwamasiko, njll.
UMkhandlu. Kumatafula amahlanu angeziwe, ungafaka izindleko, ngombono wakho, kufanele ubhekwe njalo. Isibonelo, ugwayi, umakhalekhukhwini, uphethiloli, njll.
Futhi kuthiwani uma kungacacile kakhulu ukubala? Isibonelo, ngokwesibonelo, salon yobuhle. Komunye, yizindleko zasendlini ("Ukuzama ukungazithandi"), kothile - phumula masonto onke, ukuphumula okuqinile nokuzijabulisa. Noma isithombe: Ukuchitha ukuthuthukiswa kwasekhaya noma ukuthuthukiswa kwamasiko? Cabanga kunokuba wena le nto - futhi ungasebenzisi kabi igrafu "ukuphumula nokuzijabulisa", ngoba empeleni kungenza noma yini.
3 Isinyathelo. Bukela okwenzeka njalo ngekota.
Le mijikelezo iyafana, ngamunye wabo unezimpawu zawo.
I-Piggy Bank yamathiphu abalulekile ngesitayela se- "Koebeo"
- Ingxenye yomholo ohlela ukuchitha kungakapheli inyanga, hlukanisa ngokulinganayo phakathi kwamasonto. Zethembise ukuthi ungadluli ngaphezu kwenani lesonto. Uma ungakasebenzisi isabelomali sonke, sebenzisa le mali ngesonto elizayo noma uthumele ebhange le-piggy. Futhi ungalokothi ukhohlwe ukubeka ebhange le-piggy ekuqaleni kwenyanga ngayinye noma kwi-akhawunti ingxenye yomholo!
- Ukuhlela kungumnotho we-ally. Lokhu kuyiqiniso ikakhulukazi ekudleni. Lawula izindawo zakho zokudla, hlola ukuthi yimiphi imikhiqizo egcinwe isikhathi eside, nokuthi udinga ukulungiselela ngokushesha. Yenza imenyu izinsuku eziningana futhi uthenge okufanayo njengoba udinga ukupheka. Ngakho-ke, akudingeki wenze izinsalela noma imikhiqizo eyeqile, futhi uzodla kangcono.
- Ngaso sonke isikhathi, ukuthola umholo, ukuhlehlisa imali ngezindleko ezinqunyelwe emvilophu. Ungakhohlwa ezinye izimvilolophi: Izindleko zasendlini, ukuzijabulisa, njll. Izindlela ezisele zifaka i-akhawunti yokonga bese zizama ukuchitha okuqukethwe kwezimvilophini. Ungasebenzisa imali ngokuphepha lapho imali ezintweni eziyisisekelo ihlehlisiwe kusengaphambili.
- Ukuthengwa kokuthunga inyanga. Qopha konke ofuna ukukuthenga, ukubhala usuku nenani. Uma ngemuva kwezinsuku ezingama-30 usazofuna ukuthenga le nto, mhlawumbe lokhu akuyona imfucuza engenamsebenzi. Le yindlela enhle yokugwema ukuthenga okuphoqelela, ngaphandle kwalokho, uzoba nesikhathi sokucabanga ngemikhuba yakho yabathengi.
- Ungathengi izinto ezishibhile zokonga: khumbula njalo isilinganiso se- "Price - Ikhwalithi". Okungcono sweather enhle kune-mediocre eyishumi. Izinto ezisezingeni eliphakeme zihlala zintsha nje, ngaphandle kwalokho, uzokugwema ukuchichima ikhabethe.
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Yebo, futhi okubaluleke kakhulu - ngoba izeluleko ezimnandi kakhulu -.
Noma ngabe awuzange uzuze zonke izinhloso futhi awuzange ufeze zonke lezi zithembiso, wabona uKakebo nokuthi indlela yokulungisa zonke lezo zikhathi ezinhle lapho uhlangane nemigwaqo emihle, uchithe isikhathi enkampanini enhle noma eyedwa, Ukuhamba, waya e-cinema, funda izincwadi futhi ulalele amasondo ... ngaso sonke isikhathi uma ubheka uKakebo, khumbula ukuthi bahlala khona unyaka omuhle, ngoba bangenalutho olubaluleke kakhulu empilweni, nabathandekayo!