Masijongane nayo: Kulula ukuchitha ngaphezulu kwivenkile yokutya. Nokuba uphazanyiswa kukuthengisa okurhwebeshelayo okanye ukubonisa ukutya okuhendayo, umbhali uBola Sokunbi, umseki we I-Clever Girl Finance , Ukuncamathela kuhlahlo-lwabiwo mali kunokuba yinto enzima ngelixa uthenga ukutya.
Esinye sezona zizathu zibangela ukuba abantu bathande ukuchitha ngaphezulu kukuthenga xa belambile, kunye nokuthenga okungxamisekileyo, uxelela iTherapy Therapy. Kananjalo ayincedi ukuba abathengisi batshintshe ngabom uyilo lwevenkile, ke kuya kufuneka uhambe ngokuhambahamba ngeendlela zokukhangela izinto ezikhokelela ekuboneni nasekuthengeni izinto ongazidingiyo!
Ndihlala ndibona i-111
Kukho ezinye izizathu zokuba kutheni ityala lakho lokutya linokongeza ngokukhawuleza. Kunye nokuthengisa okunomtsalane kunye nokutya, iziqhamo kunye nemifuno zihlala ziphela zibaluleke kakhulu, umqeqeshi wezemali uDasha Kennedy Intombazana eNtsundu emnyama utsho. Ngaphandle kwendleko zemveliso kunye nezothutho, iziqhamo kunye nemifuno zinobomi obufutshane, kungoko kufuneka zithengwe rhoqo ukunqanda ukonakala.
Ngoku ufuna iindaba ezimnandi. Nokuba luyintoni na uhlahlo-lwabiwo mali lwakho, zininzi iindlela ezincinci zokugcina imali kwivenkile yokutya. Ukusuka kwiingcebiso zokucwangciswa kokutya ukuya kwiifowuni zesaphulelo kunye nokunye, nantsi indlela iingcali zemali ezinciphisa ngayo iindleko kwivenkile yokuthengisa- kunye nendlela onokuthi ulandele ngayo.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UMarisa Vitale
Thenga ukutya, hayi izinto ezizodwa.
Ayisiyo kuphela inkunkuma yokutya eyonakalisa i okusingqongileyo , ayilunganga kwi-pocketbook yakho, nayo. Enye indlela yokubonisa ukuthintela ukugqithisa kunye nokuchitha ukutya kukucwangcisa ukutya kwakho kwiveki kwangaphambili, ke uthenge kuphela izinto owaziyo ukuba uzakuzisebenzisa. Gcina ixesha lakho ngaphambili ukucwangcisa ukutya ngeveki kwaye uthenge kuphela izinto ezifunekayo kwisidlo ngasinye, ucebisa uKennedy. Cinga ngokuthenga inyama, iziqhamo, kunye nemifuno-ukutya okusoloko kubiza kakhulu-kunokusetyenziselwa izidlo ezininzi.
Ukuba unengxaki yokuthatha isigqibo sokuba zeziphi izidlo oza kuzenza, ingcali yokonga imali UAndrea Woroch ithi ifriji yakho kunye nepryry yindawo entle yokuqala. Chonga naziphi na izinto ezifuna ukutyiwa ngaphambi kokuba zihambe kakubi ukuze wakhe isicwangciso sokutya macala onke ezo zithako, uyacebisa. Unokujonga kwakhona iiresiphi ezisebenzisa izinto ezigqagqeneyo ukunciphisa ngakumbi ukuthengwa kwakho kwivenkile yokutya kunye nokuqinisekisa ukuba utya konke ukutya okuthengayo.
Ivenkile enoluhlu (kunye nekhaltyuleyitha).
Emva kokuba ucwangcise ukutya kwakho, uSokunbi uthi eyona ndlela isebenzayo yokugcina imali kwivenkile yokutya kukwenza uluhlu lwezithako ozifuna ngokwenene-kwaye unamathele kuyo. Ukuthenga ngoludwe kuqinisekisa ukuba uthenga kuphela into oyifunayo, kwaye kuthintela ukuthenga okungxamisekileyo, uyachaza.
Kunye noluhlu, uKennedy ucebisa ukuba kuthengwe ukutya kunye nekhaltyhuleyitha kufutshane, ngakumbi ukuba ungqongqo uhlahlo lwabiwo-mali . Bala yonke into oyibeke kwinqwelo yakho ukuze ugcine inani elipheleleyo lokuthintela nayiphi na into emangazayo kumgca wokuphuma, uyacebisa. Uninzi lwevenkile lubandakanya iindleko ngeyuniyithi nganye kwithegi yexabiso, kodwa kwimeko apho ivenkile yokutya yasekuhlaleni ingenayo, ungabala iindleko ngeyuniyure nganye ukuze uqinisekise ukuba ufumana eyona buck yakho. Ukwenza njani oku? Hlula nje ixabiso lentengo ngokobungakanani bemveliso- kwaye ugcine engqondweni ukuba into enkulu enophawu lwegama inokuba yindleko ngakumbi kunokhetho oluncinci lwevenkile.
Gcina Ncamathisela Bona eminye imifanekisoItyala: UJoe Lingeman / Kitchn
Thenga isambuku (okanye ushefile esezantsi).
Ukuba uyazi ukuba uza kuzisebenzisa, uSokunbi uthi ukuthenga izinto ezithile zokutya ngesixa esikhulu yindlela elula yokonga imali kwivenkile yokutya. Izinto ezingonakaliyo ezinje ngokutya okunkonkxiweyo, izinto zokuhlamba, nezinto zokucoca zinokubiza ixabiso eliphantsi xa uzithenga ngobuninzi, uyacacisa. Ngamanye amaxesha ungagcina nangakumbi kwiisayithi ezikwi-Intanethi ezinje ngeAmazon.
Xa ungeke ukwazi ukuthenga ngobuninzi, uKennedy ucebisa ukuba uthenge iishelufa ezisezantsi kwivenkile yakho ukuze ugcine imali. Uninzi lwezinto ezibizayo zibekwa malunga neenyawo ezintlanu emhlabeni (okanye 'kwinqanaba lemehlo') apho uninzi lwabathengi lukhangela kwaye lubambe izinto ukubeka kwinqwelo, uyachaza. Cinga ngokuthenga ukusuka ezantsi ukuya phezulu ukuze ubambe isivumelwano esingcono.
Khetha malunga nemveliso.
Iziqhamo kunye nemifuno yinxalenye ebalulekileyo yokutya okunesondlo, kodwa iindleko zazo zinokudibanisa ngokukhawuleza kwivenkile yokutya. Ngethamsanqa, uSokunbi uthi ungagcina imali kwimveliso entsha ngokugcina iziqhamo kunye nemifuno esekwixesha lonyaka (xa ubonelelo luhlala lungaphaya kwemfuno). Iziqhamo ezithile kunye nemifuno zitshiphu ngamaxesha ahlukeneyo onyaka kuba zininzi, uyacacisa. Phanda imveliso yamaxesha onyaka ngelixa usenza uluhlu lwakho lwegrosari ukuze ukwazi ukuthenga kwinto esexesha lonyaka.
11 11 ingelosi enentsingiselo
Ukuba uhlala uthenge kuphela imveliso yendalo kwivenkile yokutya kodwa ujonge ukonga imali, uWoroch uthi kungabiza iindleko ukuba kukhethwe izinto ozithengayo. I ‘ Ukucoca 15 ’Kubhekiswa kwimifuno neziqhamo ezikhuselekileyo ukuba zingathengwa kuhlobo olungelulo olwe-organic kuba zinee-peels ezinzima, ezingenakutya apho amayeza okubulala izitshabalalisi angenakukuchaphazela ukutya okutyayo, njengeavokhado neepinapile, uyacacisa. Ungazigcinela imali kwaye uhambe non-organic ngezi!
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UJessica Isaac
Yiba nesicwangciso malunga nokonakala.
Ukutya okungapheliyo njenge inyama kunye noshizi zihlala zizinto ezibiza kakhulu kuluhlu lwegrosari, yiyo loo nto uWoroch ecebisa ngokukhangela amanqaku okumanejala okonga imali encinci. Xa besondela kumhla wokuphelelwa kwabo, inyama, itshizi, iinkukhu kunye nentlanzi zinokubakho ngesaphulelo, uyachaza. Qiniseka nje ukuba uya kuyisebenzisa ngokusetyenziswa komhla okucetyiswayo, okanye uyikhenkceze kamva.
Ukuba unomdla wokuthenga izinto ezinokubakho kwangaphambili, ezifana nenyama ecoliweyo kunye noshizi, u-Woroch uthi ungayigcina kwangoko imali ngokuzithenga kwifom yoqobo. Umzekelo, iinyama ezisikiweyo, ezisikiweyo, okanye ezikhethiweyo njengelungiselelwe ukhetho zinokubiza naphi na ukusuka kwiipesenti ezingama-30-60 ngaphezulu, uyacacisa. Soloko ujonga ixabiso ngeponti nganye ukufumana ezona zintengiso.
Thenga ngemivuzo engqondweni.
Ukuba awusebenzisi ikhadi lemivuzo lasimahla elisevenkileni ngalo lonke ixesha uthenga evenkileni, uSokunbi uthi usenokuphulukana nolondolozo olukhulu kunye nemivuzo yokubuyisa imali. Uninzi lwevenkile zokutya zibonelela ngemivuzo kunye namakhadi esaphulelo, ke qiniseka ukuba ubhalisela la makhadi kuzo zonke iivenkile ozithengayo, uyacebisa. Sebenzisa la makhadi kungakongela imali encinci ngaphambili, kwaye abanye bade bakunike amanqaku ngerhafu enesaphulelo kunye nezinye izinto.
Ulibale ikhadi lakho lemivuzo? Akukho maxhala. UWoroch uthi ungayifumana imali emva kokuthenga kwakho ngoncedo lwesaphulelo. Endaweni yokucofa amatikiti okanye ukuzama ukukhumbula ukuzisa ikhadi lakho lemivuzo ngalo lonke ixesha uthenga, iapps ezinje Landa iMivuzo ikuvumela ukuba uthathe umfanekiso werisithi yakho ukuze ufumane amanqaku ngokubhekisele kumakhadi ezipho asimahla kwiivenkile ezinje ngeThagethi, iWalmart, kunye ne-Instacart ezinokukunceda ekuthengeni ukutya okuzayo, uyacacisa.
Thenga ujikeleze.
Ukuqinisekisa ukuba ufumana ezona zinto zibalulekileyo kuzo zonke iivenkile zakho eziyimfuneko, uSokunbi uthi ukuthenga kwiivenkile ezahlukeneyo zezona zinto zithengiswa ngexabiso eliphantsi kunokuba luncedo olukhulu. Umzekelo, iivenkile ezinje ngeDollar Tree zinezinto ezininzi ngeedola eziyi-1 inye, utshilo. Ukuthenga kwiivenkile ezahlukeneyo kunokukunceda ugcine ngakumbi inyanga nenyanga ukuba awunalo ixesha okanye amandla okujonga iivenkile ezininzi zokuthenga okuncinci, uKennedy ucebisa ukuba wenze ivenkile yakho yokumisa ibe sisaphulelo okanye ivenkile yokutya. gcina njenge Aldi , Ithagethi okanye Walmart . Ungagcina ukuya kuthi ga kwiipesenti ezingama-50 kwizinto ezininzi zokutya ngokutshintshela kwizitolo ezinesaphulelo esinzima kunye neebhokisi ezinkulu, uyachaza.
