Ngaba uqaphele ukwanda kweendlela ezithile kwinkcitho kutshanje? Mhlawumbi ngoku iindawo zakho zokutyela ozithandayo zivulekele ukutya ngaphakathi okanye ipatio, ubamba iyure eyonwabileyo okanye ibrunch rhoqo. Ukuba ubuyela eofisini, usenokuba ufumene into encinci yokuhlaziya ikhabethe lakho. Mhlawumbi ukuhlala ekhaya kukhokelele ekubeni ufune ukuthenga kwi-Intanethi xa ukruqukile kwaye ungathanda ukuphambukisa ingqalelo yakho iye kwenye into.
Nokuba uyichitha phi imali oyisebenzele nzima, ukuba uziva uxhalabile malunga nokuba yimalini oyiphosayo kwindawo ethile yobomi, usenokucinga ngokuzama inyanga engathengiyo ukubuyisela inkcitho yakho. Iinyanga ezingathengiyo ziindlela ezithandwayo zokukunceda uphinde uphonononge iivenkile zakho kunye nokuchitha iipateni kwaye unokufumana ulawulo kwiindawo othambekele kuzo. Ewe kunjalo, ukuqala kwinyanga yokungathengi akukho lula njengokuya kubanda turkey; kufuneka uthenge ukutya, uzikhathalele nosapho lwakho, kwaye uhambe kwiindawo ngeendawo. Ukuba uphakamisa umceli mngeni, ezi ngcebiso ezivela kwiingcali zezemali ziya kukunceda ukuba uqalise kwaye wenze uninzi lwenyanga yakho engathengiyo kwaye unokukhangela imikhwa yemali exabisekileyo kwikamva.
Yigcine ilula.
Akunangqiqo ukuthi uya kuyeka ukuchitha imali kuyo yonke into oyithandayo ngokukhawuleza. Ngapha koko, iziluleko zicebisa ukugcina izinto ngokulula kangangoko kunokwenzeka ukuze ubone impumelelo. Ukulula ngoku kulunge ngakumbi. Xa ugxila kwinto enye ngexesha, unamandla engqondo amaninzi okucinga ukuba kutheni utya kakhulu kwaye ufumanisa iindlela zokuyila ukuhlangabezana nomnqweno ngaphandle kokuchitha, utshilo uJen Smith, umseki Ubundlobongela banamhlanje .
UMichelle Schroeder-Gardner, umseki we Ukwenza Ingqondo yeCents , uyavuma. Kuya kufuneka uqonde ukuba kutheni ufuna ukugqiba inyanga engachithi, ukuba yintoni inkuthazo yakho, nokuba ingaba iyinyani kuwe nakwimeko yakho, uyacebisa. Umzekelo, ukuba awunakutya kwifriji yakho okanye kwi-pantry, kusenokwenzeka ukuba akunakwenzeka ukuqala inyanga yokungachithi xa kufikwa ekutyeni.
Yenza umsebenzi wokulungiselela.
Njengokutsho kwentsomi yakudala, kufanelekile ukwenza umsebenzi owongezelelekileyo ukulungiselela ikamva. Zinike ubuncinci iintsuku ezimbalwa zokucwangcisa kwaye ulungiselele inyanga yakho engathengiyo, utsho uSmith. Chaza into oyithengayo ngoku ongafuniyo ukuyithenga kumceli mngeni wakho kwaye wenze uluhlu lwezinto onokuzenza ukuyiphepha xa kufika umnqweno. Uyakufuna nokugcina kuyo nayiphi na into ebalulekileyo oya kuyithenga ngenyanga. Umzekelo, ukuba uthatha uhambo lokumisa iinkampu ngexesha lakho lokuthenga inyanga kwaye ungabinazo iikawusi ezixineneyo zokuhamba intaba, bamba ‘em ngoku! Kuya kuqondakala ngokupheleleyo ukuthenga iikawusi phakathi kwenyanga njengenkcitho engxamisekileyo, kodwa okukhona unokuzilungiselela ngoku, kokukhona uya kuziva uphoxekile, okanye ngathi wonakalise istro sakho.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UMelanie Rieders
Chonga indawo elula ukuqala.
Mhlawumbi ukuwa kwakho kuyizixhobo zokuzilolonga, okanye mhlawumbi awukwazi ukusala isimemo kwivenkile yokutyela yakutshanje. Bonakalisa udidi lwakho lokungathengi kwaye uzame ukukhetha into oyaziyo ukuba ungabambelela kuyo. USmith uhlala ecebisa ngokuqala ngokutya isidlo sangokuhlwa kangangenyanga, emva koko usebenze ukusuka apho.
Uninzi lwabantu luya kudinga ukuthenga ukutya ngexesha lokuthenga inyanga, ke ukutya ngaphandle kulapho ndixelela abantu abaninzi ukuba baqale, yena wabelana. Jonga inkcitho yakho kwezi nyanga zintathu zidlulileyo kwaye ubone apho uchitha ngaphezulu. Ngaba yindawo yokutyela enye? Ukuthatha ngokubanzi? Ukutya ngaphandle ngeempelaveki? Qala ngendawo yakho enkulu yengxaki, cwangcisa indlela oza kuyisombulula ngayo, kwaye uchithe inyanga ugxile kwindlela yokuyiphucula ngendlela eya kuhlala ihleli.
Ukuba ukutya kuthabatha uninzi lohlahlo-lwabiwo mali, cwangcisa kwangaphambili xa uphumile kwaye malunga nokunciphisa inkcitho yenkcitho xa indlala ihlasela. Xa ushiya ikhaya lakho ixesha elide, ndincoma ukuzisa iziselo kunye nokutya okulula, utshilo uSchroeder-Gardner. Ngale ndlela, awuyi kuziva ulambile kakhulu kwaye emva koko uzive unyanzelekile ukuba ubambe into ekhawulezayo ukuyitya kwindawo yokutyela.
Ukuba uyokuthenga kulapho ubona eyona nkcitho inkulu enyangeni, cinga ukungalandeli isilingo seakhawunti ye-Instagram kwaye ushiye ikhadi lakho lokuthenga ngetyala ekhaya xa uphumile-yiza nje nemali yezinto eziyimfuneko ukuze ungalingeki ngengubo entsha okanye izihlangu. Awuyi kuyeka ukuthenga iincwadi? Yenza isicwangciso sokufunda kwi-stash yakho, undwendwele ithala leencwadi rhoqo, okanye uboleke kubahlobo.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Natalie Jeffcott
Yenza ubugcisa ngemisebenzi yasimahla.
Sivame ukubhenela ngokuzenzekelayo ekuchitheni imali ukuzalisa ixesha lethu, nokuba kuyokuphuma ikofu okanye iyure yolonwabo, uhambo oluya kwiThagethi, okanye nakwezemidlalo okanye kumnyhadala, utsho uSmith. Endaweni yokuthenga okanye yokubhabha ukubetha isithukuthezi, ucebisa ukufezekisa iindleko zexabiso eliphantsi okanye zasimahla njengokumema abahlobo ngobusuku bemidlalo okanye ukubhaka. Zama izinto ezininzi zasimahla kangangoko unethemba lokuba ezinye ziya kunamathela ngaphaya kwenyanga yakho ongazukuyithenga kwaye ugcine imali ixesha elide.
UScroeder-Gardner ucebisa ukuba ujonge imicimbi kwindawo ohlala kuyo ukuze uzive ubandakanyeka ngaphandle kokophula isithembiso sakho sokungathengi. Iindawo zokutyela kunye neevenkile zinamahhala ngalo lonke ixesha, uyacebisa. Oku kunokuba yinto encinci efana nekhofi yasimahla, iayisikhrim simahla okanye ikonsathi yasimahla edolophini yakho. Ukuba uthembise ukungayithengi ikofu kangangenyanga kodwa unekhadi lokubetha lasimahla okanye amanqaku e-Starbucks, ungazisebenzisa ngokuqinisekileyo-ngapha koko, awusebenzisi mali! Ngaba ikhona igalari yobugcisa evulayo kwimpelaveki? Nxiba uze uxhase igcisa lasekhaya ngokuhlwa.
Musa ukunikezela.
Iintsuku ezingamashumi amathathu ngokwenene azide kangako! Musa ukudimazeka licebo lakho; endaweni yoko, yicinge njengesikhuthazi. Cinga ngemali oyongayo, utshilo uSchroeder-Gardner. Ngelixa usenokungagcini isixa esikhulu semali yonke imihla, kwisithuba senyanga kusenokwenzeka ukuba silingane nesixa semali esigciniweyo. Kwaye ukuba umosha kwaye uthenge amacici okanye ipleyiti yefry, unganikezeli ngokupheleleyo. Yenza nje ukuzibophelela kwaye uqhubeke nokuhamba.
