Naphi na apho ujonga khona, zikhona usetyenziso lwezemali , iikhalenda zombane, kunye nezinye izixhobo zedijithali ezenzelwe ukukunceda ugcine ixesha kunye nokugcina umkhondo wemali. Kwaye ngelixa itekhnoloji ilungile, ngamanye amaxesha ndirhalela ubuchule besikolo esidala ukucwangcisa usuku lwam kunye nemali. Ndisayithanda ikhalenda yam yephepha kwaye ndiyayonwabela inkqubo ye-bullet journaling. Ukuya esikolweni esidala kuthetha ukuba ndinethuba lokubeka ikhompyuter kunye nefowuni kwaye ndizike ngoku.
Kukho iindlela ezininzi zokuhambisa ubuchwephesha ukusuka kwixesha elidlulileyo ukuze usebenze ngokukuko kunye nohlahlo-lwabiwo mali- emva kwayo yonke loo nto, ukuba ibisebenzela umakhulu wakho, isenokukusebenzela! Nazi iingcebiso ezisixhenxe ezindala ezinokugcina ixesha kunye nemali.
Iimpahla ezomileyo emoyeni endaweni yokusebenzisa isomisi.
Xa ndandiyintombazana encinci eTexas, abazali bam babenomtya owomileyo oxhonywe ecingweni lwethu. Ngelo xesha, ndandingasiqondi isizathu sokuba kwenziwe lo msebenzi, kodwa njengomntu omdala, ngoku ndiyaqonda ukuba isomisi sisebenzisa umbane ongakanani. Iingxelo bonisa ukuba isomisi sempahla sisebenzisa iipesenti ezili-12 zombane wendlu owunikiweyo, nokuba uyimodeli eluhlaza - kodwa i-rack elula elula inokukunceda ukuba ube nomkhwa weempahla ezomisa umoya.
bendi ukomisa umoya iimpahla zam ukusukela xa ndandikwishumi elivisayo, u-Priya Gupta, ibhlog yezezimali kunye nomsunguli we Umlotha noPri , amanqaku. Ukonga kwityala lombane ecaleni, lo mkhwa undigcinele imali eninzi kwiindleko zempahla ngokuhamba kwexesha.
xa ubona i-333
Uyavuma ukuba lo mkhwa awufiki ngaphandle komngcipheko. Xa uhlamba impahla ezinzulwini zobusuku (njengokuba ndihlala ndisenza njalo), ukubeka impahla nganye kwindawo yokumisa kunokuziva ukutyumza umphefumlo, utshilo. Kodwa indalo echitha ixesha iyabhatala - naye akanakulimaza iimpahla zakhe ngale ndlela, ezigcina zikwimo entle ixesha elide.
Buyela kumkhwa woku ukucwangcisela isidlo .
Kuyalingana nokutya ubaleka, ngakumbi ngenxa yokuba kukho iivenkile zokutyela kunye neenkonzo zokuhambisa naphina apho ujika khona. Kodwa ukutya ekhaya kunye nokucwangcisa imenyu yakho ngokufanelekileyo, kunokuguqula kwimali egcinelwe amanye amava, njengokuhamba okanye umdlalo omtsha.
Ndicwangcisa ukutya kwam veki-ngeveki kwikhalenda yamaphepha, kwaye ndikhetha into endiza kuyenza isidlo sangokuhlwa kwiintsuku ezininzi. I-asterisk kwikhalenda yam iphawula iintsuku zokuthatha okanye ukutya isidlo sangokuhlwa kwindawo yokutyela, kwaye ndigcina uhlahlo-lwabiwo mali lwenyanga lokuchitha kwiivenkile zokunene kwikhalenda yam ukuze ndizigcine.
Kukho iindlela zokwenza ukutya ekhaya uzive ukhethekile nako. Ukutya kwipatio okanye ukukopa imenyu yokutyela kunokongeza into encinci ngokuhlwa, nangona uGupta evuma ukuba ngamanye amaxesha akulula ukupheka xa bobabini abantu besebenza isigxina. Ukwenza ukutya okuphekiweyo ekhaya kungangomnye umsebenzi osisigxina, utshilo. Rhoqo, kunokuba nzima ukubonakalisa ulungelelwano phakathi kokunqunqa, ukupheka, ukucoca kunye nokuziva wonwabile ngokutya. Kodwa ukuba unayo nayiphi na into efana nathi, uku-odola ukuba kukhutshwe okanye kuphume kudla ixesha elininzi kwaye akuxabisi iidola ezingaphezulu.
lithetha ukuthini inani u-888
Ukuphonononga ingxelo yakho yebhanki kunye nekhadi letyala ephepheni.
Zininzi izinto ezilungileyo ebhankini ekwi-Intanethi- kubandakanya ukunciphisa inkunkuma yamaphepha kunye nokwenza intlawulo ngokwamanani- kodwa inyanga nenyanga ndiyaziprinta iingxelo zethu kunye nokuphonononga iindleko, iifizi , okanye ukungangqinelani okunokubakho ngesandla. Ndirhola umqaqambisi kwaye ndibhala ngento engadibanisiyo, okanye naluphi na udidi lohlahlo-lwabiwo mali endinokuluchitha ngaphezulu kwinyanga ephelileyo.
Le ndlela ikwanceda ekukhuliseni inkcitho engqondweni. Ngokwenyani jonga ingxelo yakho yebhanki kunye nekhadi letyala inyanga nenyanga ukuze ubone ukuba uchithe malini kwizinto. Ngelixa oku kungakongi ixesha, kunokuba kukuvula amehlo ukubona ukuba uchithe malini kudidi oluthile, utshilo uLauren Bringle, ongumcebisi ngezemali Ezemali . Umngcipheko, ewe, kuya kufuneka ulandele kunye nokwenza utshintsho kwinkcitho yakho kwinyanga ezayo. Sebenzisa isicwangciso esineempawu ezinemibala kunokuba yindlela efanelekileyo yokugcina umkhondo weendleko kunye nohlahlo-lwabiwo mali ngokufanelekileyo, kunye nokukunceda ukuba ubone indlela ochitha ngayo ixesha elingaphezulu kweenyanga.
Boleka iincwadi kwithala leencwadi.
Xa ndisiya kwivenkile ethengisa iincwadi, kunzima kum ukuxhathisa ukongeza iincwadi ezininzi kwimfumba yam yokufunda. Kodwa ukuthenga iincwadi ezinoqweqwe oluqinileyo kunokuba ngumkhwa obiza imali eninzi, kwaye ndifundile ukuba andiphindi ndiphinde ndibuyele kule misebenzi. Kule minyaka imbalwa idlulileyo, ndenze umzamo wokuya kwilayibrari endaweni yoko. Kwaye kubonakala ngathi abanye abantu baseMelika benza okufanayo: Ngokokuvota okwenziwe nguGallup, abantu abaninzi batyelele ithala leencwadi kunokubukela imiboniso bhanyabhanya kule minyaka imbalwa idlulileyo.
Xa ndikhangela iincwadi kwithala leencwadi, andiziva ndinetyala xa ndifunda amaphepha ambalwa encwadi kwaye ndifuna ukudlulela kwelandelayo - ndingayibuyisela incwadi kwithala leencwadi. Umngcipheko kukuba ndisathanda ukuxhasa iivenkile zeencwadi zasekuhlaleni kwaye ndisafuna ukubanika ishishini lam. Ke amaxesha ambalwa apha enyakeni, ndinemali engakumbi yokuqhekeza kwaye ndinike inkxaso yam kwiivenkile zeencwadi ezizimeleyo endaweni yamagama anamagama amakhulu.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: USarah Crowley
Yamkela inkqubo yeemvulophu.
Ukuba uhlala ubiza zonke izinto ozithengileyo kwikhadi letyala, kunokuba nzima ukugcina umkhondo wento oyichithayo. Kungalixesha lokubuyisa inkqubo yeemvulophu, apho wenza khona iindidi zenkcitho (kubandakanywa nezo zonakalisa kakhulu uhlahlo-lwabiwo mali) kwaye wabele isixa esithile semali kulowo nalowo. Beka loo mali kwimvulophu ebhalwe ngokufanelekileyo, kwaye uzame okusemandleni akho ukusebenzisa kuphela imali kwimvulophu nganye kudidi lwayo.
Inkqubo yemvulophu yeyona nto indala yokugcina imali. Ifuna ukuba uthathe imali kwaye uyihlule kwiimvulophu ezahlukeneyo zodidi olwahlukeneyo njengokutya, imeko kaxakeka, ulonwabo, njl., Utshilo u-Adam Garcia, umseki we Umhlambi weDork . Yinkqubo enzima le, kodwa uGarcia ugxininisa ukuba kufanelekile. Kukho into enokuthethwa ngempembelelo yengqondo xa umntu ekhupha imali kwimvulophu, uthi. Ngandlela thile kubonakala kuyinyani kunesaziso kwifowuni yakho.
Umngcipheko kukuba ayinguye wonke umntu. Le nkqubo ifuna umonde, utsho uGarcia. Ikwafuna ukukhumbula ngokwaneleyo ukugcina umkhondo wesabelo sakho senyanga - into yokugqibela ofuna ukuyenza kukufaka imvulophu kwindawo oyithengileyo.
Jonga ukuthengisa igaraji ngaphambi kokuthenga entsha.
Xa ndandihlala eTexas, ndandithanda ukuqhuba ngeenxa zonke kwiindawo ezahlukeneyo kwaye ndisiya kuthengisa igaraji. Bendihlala ndimangalisiwe yinto endiyifumanayo kwaye ndikonwabele nokufika kwezinto ezintsha, njengesihlalo okanye isiqwenga esicocekileyo sobucwebe.
Intsingiselo yokomoya inombolo 10
Thenga ujikeleze izinto ezisetyenzisiweyo ezinjengeemoto, izixhobo zokusebenza, ifanitshala kunye nempahla, utshilo umgcini zincwadi woluntu oqinisekisiweyo UBob Casteneda , Kwi-DBA. Oku kunokukuvumela ukuba uvavanye iimveliso zegama lebrendi ngaphandle kokophula ibhanki.
Ewe kukho umngcipheko ngale ndlela. Ezinye izinto ezingalunganga ekuthengeni iimveliso esele zisetyenzisiwe zinokubandakanya ukungabinayo iwaranti kunye nexesha elifutshane lobomi bento leyo, utshilo uGqirha Casteneda. Isenokuba kukuchitha ixesha elininzi ukufumana imveliso esekwe ngesandla ezinzileyo. Kodwa ukuba unexesha kunye namandla, ukuzingela ujikeleze isiqwenga esifanelekileyo kunokuba kufanelekile. Akukho mvakalelo inkulu kunokufumana le nto uyifunayo kwaye uhlawule kakuhle ngaphantsi kwexabiso lentengiso lemveliso.
Iimpawu neempawu zengelosi
Sebenzisa amatikiti.
Xa ndandisengumntwana, ngeCawa kusasa yayikukubaleka ukuhla ngendlela, ukubamba iphephandaba, kunye nokukhupha amaphepha ahlekisayo. Ndingathanda ukunceda umama ukusika amatikiti kunye nokuwafaka kwifayile yokuphatha ephathekayo ye-min. Iikhuphoni zidijithali ngoku, kodwa ukuyenza eyona nto iphambili kunokunceda ukugcina imali kwizinto ozisebenzisayo kunye nabendlu yakho.
Sebenzisa iikhuphoni zokutya ze Ukutya , ii-thermostats ezikrelekrele zekhaya lakho kunye nevenkile yokujongana nokulungiswa kwemoto kunye nolondolozo lwasekhaya, utshilo uGqirha Casteneda. Ukuthenga ngeenxa zonke akufuneki kube yinto yexesha elinye, kodwa inkqubo eqhubekayo.
Ukuze wenze umkhwa wokudibanisa, yenza uluhlu lwazo zonke iivenkile ohamba rhoqo, kubandakanya iivenkile zokutya, iivenkile zokunxiba kunye neeresityu. Ndwendwela iwebhusayithi nganye kwaye ubhalisele iincwadana okanye ubhalise kule ndawo kwaye amaziko amaninzi aya kukunika izaphulelo kwiimveliso. Ukuba ivenkile okanye ivenkile yokutyela inayo iapp, ukuyikhuphela kunokukunceda ekubambeni ukonga kwindawo. Unako kwakhona ukuya esikolweni esidala kwaye uthenge iphepha leCawa kwaye usike amakhuphoni oza kuwasebenzisa ngenyanga-inkohliso kukufumana inkqubo onokunamathela kuyo.
