Njengoko ihlabathi liqala ukuvuleka kwakhona, unokuziva uxinzelelo lokuba ubuyele "kumdala" wakho. 

Iingcali zezempilo nezentlalo zilumkisa ukuba ukungaqiniseki kunye nesizungu okubangelwa ngulo bhubhane kunokuhlala nathi ixesha elide. Uzinzo lwethu luhlala luxhomekeke emalini, kwaye uxinzelelo lwezezimali lusetwa ukuba lube yinkxalabo enkulu kuninzi lwethu.

Nokuba kungumhla wokuhlawulwa kwi-cocktails okanye into ebaluleke ngakumbi, kukho iindlela zokwenza utshintsho kunye nokunceda ukugcina ukukhathazeka okusengqondweni yakho. 

Ukuba Uziva Unetyala Nje

Mhlawumbi ungomnye wama-20% eBrits agcine ngaphezulu kwesiqhelo ngaphezulu kokutshixwa. Iindleko zokuhamba, ukutya ngaphandle, kunye neeholide zinokwenza ngesiquphe iqanda lendlwana. 

Kungenzeka ukuba wothuswe lulondolozo lwakho kwaye ufuna ukuqhubeka nalo mkhuba, okanye mhlawumbi usebenzise le nkululeko yezemali njengesixhobo sendlela yokujongana nayo. Zininzi kakhulu ii-pizza, okanye i-odolo yempahla ethi “xa singaphinda siphume kwakhona” ...

Okokuqala, kufanelekile ukwamkela ukuba ezinye iindleko ziya kubuyela umva, nokuba uyathanda okanye awuthandi. 

Okwesibini, ufanele unyango! Sisekho kwindyikityha yokufa, kwaye ayisiyiyo yonke into efuna ukubangunobumba kude kube "ngamaxesha aqhelekileyo". 

Oko bekuthethile, ayizombono imbi ukushenxisa imikhwa engathandekiyo kwi-bud. Nazi ezinye zeengcebiso zokuphinda uvavanye indlela ochitha ngayo imali, okanye unciphise ityala lokuphuma: 

Yithi hayi kuFOMO

Inzima le: iinyanga ezili-18 ezidlulileyo zisifundise ngaphezu kwayo nayiphi na into ukuba ixesha lixabisekile, kwaye uvuyo oluncinci lolona lubumba ubomi bethu. 

Kwabaninzi, ukuchitha imali kumava kubambe ukubaluleka okukhulu kunokuba bekwenziwe ukutshixwa kwangaphambili: uloliwe ohamba ukuze abone isihlobo ngexabiso ngesiquphe. Ikhonsathi kuba u? Isenokungaphindi yenzeke.

Njengoko ikhalenda iqala ukuzalisa, kunokuba nzima ukuthi hayi kwizicwangciso. Usenokuziva unetyala ngokungabahoyi abahlobo bakho; emva kwakho konke, uhleli ekhaya ngaphezu konyaka. Kodwa umtsalane wemisebenzi ehlehlisiweyo-amatheko okuzalwa, imitshato, iziselo nabahlobo-ingakushiya wena neakhawunti yakho yebhanki niziva ngathi nidiniwe.

Kufanelekile ukuseka umahluko phakathi kwemisebenzi ekhokelwa sisilingo okanye uxinzelelo, kwaye yeyiphi eya kukunceda wena okanye umntu omthandayo. Ngaba uloyiko lokuphoswa luza kuphela ngexesha lokulala? Okanye uya kuzisola ngokwenene ngokungahambi? 

Sonke sineembiza ezahlukileyo zexesha, amandla, uhlahlo-lwabiwo mali kunye nokuba sempilweni - ngamanye amaxesha kufanelekile ukuthatha kancinci kwezi zikhethekileyo. 

Yonga imali ngemisebenzi

Oku kusikhokelela kwincam elandelayo. Ngamanye amaxesha awufuni nje ukuthi hayi kwizicwangciso.

Ngelixa uninzi lwethu lunqwenela ukubuyela kwakhona, ukutshixa akufuneki kube lixesha elilahlekileyo. Ngokuqinisekileyo, akukho mntu ufuna ukuva amagama athi "Zoom meeting" kwakhona, kodwa zikhona ezinye iindlela zokuyila esizenzileyo kulo nyaka esinokuthi sizenze kubomi basemva kokutshixa.

Isidingo "sokwenza into" sinokuba nezizathu ezahlukeneyo kunye nezizathu. Yenza ezi zinto, kwaye uzisebenzisele inzuzo yakho: 

• Ngaba ufuna ukuba noluntu? Ngena kweziya zakho zibalaseleyo kwaye umeme abahlobo ngeenxa zonke kubusuku obunomxholo. Phinda wenze indawo yakho yokupapasha; bamba "ukungcamla iwayini" apho wonke umntu ezisa ibhotile; okanye umsele wokuthabatha kwaye uhombise eyakho ipitsa. 

• Ufuna ukuphuma phandle? Amathuba kukuba uyityhafile ipaki ngexesha lokutshixa, kodwa ukuyitshintsha kunokwenza wonke umahluko. Khangela iwebhusayithi yebhunga lendawo yakho kunye nakwiifayile ezinje IKomoot kukuhamba okufuphi okungacacanga kancinci- kwaye simahla. 

Ukuba awoyiki ukungcola kwaye ufuna ukunceda uluntu lwakho, amaqela endawo kuFacebook ahlala ebhengeza imicimbi yokuzithandela enye njengokukhetha inkunkuma kunye nemizamo yolondolozo. 

• Ngaba ufuna amava amatsha? Indawo yeFacebook yeziganeko lolunye ukhetho lokophula imikhwa ebiza imali kunye nokufumana ezinye iindlela zohlahlo-lwabiwo mali olusezantsi lokuzonwabisa. 

Unokufumana imicimbi yesisa okanye iintetho zemfundo, kunye neeseshoni zobugcisa, iiklasi zokudanisa, ubusuku bemidlalo, okanye amaqela ezentlalo okanye enkxaso yabantu abathanda izinto ezifanayo. Xa ezi ziganeko zingabizi okanye zisimahla, uya kuba netyala elincinci lokuzifaka kwinto entsha.

Kwaye kukho icala elimangalisayo nelimangalisayo. Ngubani owaziyo-i-geocaching okanye i-ironing egqithisileyo inokuba yeyakho. 

• Ngaba uyakuthanda unyango? Kulungile! Ngamanye amaxesha akukho nto ithelekiswa nohambo "olufanelekileyo". 

Nyaniseka kubahlobo bakho nakusapho; Amathuba amaninzi azoba kwisikhephe esinye. Abahlobo bokwenyani baya kubeka ubukho bakho kuhlahlo-lwabiwo mali, kwaye unokukwazi ukudibanisa izinto ozithengileyo. Ingxoxo evulekileyo iya kunceda abantu baqonde ukuba kutheni usenokuchitha ngendlela eyahlukileyo kwaye ukunqande ekubeni uzive ungavumi okanye ufaka ezibhotileni izinto. 

Jonga ukuba ungonga na kwimisebenzi ongafuniyo ukuyishiya. Ikhadi lesitimela unoluhlu lokupasa okonga imali kuthutho. Uninzi lwabantu luyazi malunga neKhadi likaTyhini loMntu oMncinci (ligcina ⅓ kuyo yonke imali yokuhamba ngomgaqo kaloliwe) kodwa kukho ezinye onokuthi uxhamle kuzo. 

Aba babini kunye banikezela ngexabiso kubantu ababini abamagama abahamba kunye. Usapho kunye nabahlobo bonga up ukuya kuthi ga kubantu abadala aba-4 abahamba kunye, kunye nesaphulelo esinqabileyo esingu-60% sabantwana abangaphantsi kweminyaka eli-16 kunye nabo. 

Idlula njenge Ithemba leLizwe kwaye Ilifa leMveli lesiNgesi Isenokubonakala ngathi iyabiza ekuqaleni, kodwa baya kuzihlawula ngokwabo kuhambo nje oluncinci. Banikela unyaka wokundwendwela ngokungenamda emva kokuthenga kwaye abantu abancinci, izibini, kunye neentsapho banokufumana ezinye izaphulelo. Nokuba iidolophu ezakhelweyo zineendawo ezinembali yoxolo- kwaye ukungena kwindalo yenye yezona zinto zibalaseleyo zengqondo exhalabileyo. 

Njengokudityaniswa okungaphezulu, ubulungu beLifa leMveli lesiNgesi bunokuthengwa ngamanqaku eTesco Clubcard kwi3x yexabiso lawo lokuqala.

Yeka ukulandela, ungalandeli, ungalandeli

Utshintsho oluncinci sisitshixo xa ufumanisa ukuba inkcitho yakho ikhatywayo ekhephu. Ukuthenga kwi-Intanethi lutshaba kuninzi lwethu xa kuziwa ekongeni imali emva kokutshixwa - zonke ezo zinto zihendayo kanye apho.

Kulapho kufuneka ubekhohlakalise: ungalandeli iimpawu zesitrato esiphakamileyo kwi-Instagram. Ungabhalisi kwii-imeyile zentengiso kunye nezaziso. Khuphela i-block blocker. Sula ii-cookies ezigcina iinkcukacha zekhadi lakho kwaye zikuvumele ukuba uthenge ngonqakrazo olunye. Awuyi kuthanda ukuchitha ngaphandle kwesilingo xa uzuliswa ebusweni bakho ngalo lonke ixesha. 

Ngamanye amaxesha, uyolo lokuchitha imali luyonwabisa kanye njengokuthenga ngokwakho. Ukuba unayo into kwinqwelo yakho yokuthenga kwaye ukrokrela ukuba awuyidingi ngokwenene, zama ukudlulisela ngqo iindleko zento leyo kwiakhawunti yokonga. Uya kufumana i-dopamine rush encinci ukusuka "kwinkcitho".

Oku kunokusetyenziswa kukuthenga okuncinci okunyanzelekileyo njengokutya okuncinci kunye neekofu, nazo. Ekupheleni kwenyanga, jonga ukuba ungakanani na, kwaye uvavanye ukuba ubaphose kangakanani. 

Ukuba Izinto Zinzima

Ngelixa wonke umntu enetyala lokuthabatha okanye ezimbini zokutshixa, kubalulekile ukuba ungayithathi lula ingxaki yezemali abanye bethu abahlangabezana nayo. 

Ngokutsho kweStatista, Imisebenzi ezizigidi ezili-11.6 yachithwa ngaphezulu kweenyanga ezili-18 ezidlulileyo. Abo bakwiikhontrakthi zeyure ephantsi baye baphantsi kakhulu kwimivuzo yabo yesiqhelo. 

Usenokuba nomzabalazo wokungabikho kwemisebenzi, ukuzisebenzela, imicimbi yezempilo, ukuzibophelela kukhathalelo, ushiye ngenxa yentlungu okanye impilo yengqondo, iindleko zemfundo, okanye izibonelelo zilungisiwe. 

Zombini zonakalisile kwaye azinakuphepheka ngokupheleleyo, kwaye zinokuba negalelo kuxinzelelo lwezezimali kwinqanaba elibi kakhulu. 

Lungisa uhlahlo-lwabiwo mali

Lo ngumsebenzi, kodwa uyimfuneko. Fumana ispredishithi kwaye wenze imephu kuyo yonke into oyichitha ngenyanga. Trawl ngeengxelo zakho zebhanki- sukuqikelela nje. Ezinye iindidi ezilungileyo ukuqala zezi:

• Ezezindlu (irente, indlu, irhafu yebhunga, i-inshurensi, izinto eziluncedo kunye namatyala e-Intanethi);
• Imoto okanye izithuthi zikawonke-wonke (kwimoto oku kunokubandakanya ipetroli, i-inshurensi, irhafu, okanye iintlawulo zenyanga ukuba unesicwangciso sentlawulo);
• Ukutya;
• Ukunyamekelwa kwabantwana, iindleko zosapho, okanye imfundo;
• Isivumelwano sefowuni;
• Imirhumo (iAmazon, iNetflix, iSpotify, njl.
• Ikhadi letyala okanye ukubhatala "kamva", ukuba kufanelekile;
• Izinto zobunewunewu (iihambo, ukuyokuthenga, ukutya neziselo).

Ukubona amanani kunokuba nzima, kodwa uya kuba nombono ongcono wokuba ungqongqo kangakanani kwaye unobubele kangakanani kwiindawo ezingabalulekanga. Mhlawumbi i- £ 10 yokubhaliselwa kweTV inokuya kwenye indawo; mhlawumbi uchitha ngaphezulu kwezothutho njengoko sihamba kwakhona. 

Yenza intlawulo ephambili. Ukuba unamatyala amaninzi, sebenza apho uqokelela khona inzala kwaye ujolise ekuyihlawuleni kuqala. 

Buyisela imali

Ezinye iinkampani zibonelela ngezaphulelo kwiindleko zemihla ngemihla, ezinje ngeinshurensi yemoto ngelixa abantu behamba kancinci. Unokufumanisa ukuba ukulungele ukubuyiselwa imali ukuba ulahlekelwe yimali kwizithuthi ngenxa yohambo olulinganiselweyo. 

Ukufikelela kwiakhawunti yakho ekwi-Intanethi kwezi ndawo okanye ukubiza umnxeba oqhagamsheleyo kuyeyona ndlela ilungileyo yokwenza oku, njengoko kunqabile ukuba bakusukele malunga nayo. 

Unokwazi kwakhona irhafu yokubuyisa ukuba unyanzelwe ukuba usebenze ekhaya ngenxa yezithintelo-nokuba kungosuku olunye kuphela. 

Qiniseka ukuba uyazi imikhonyovu, nangona. Ngelishwa, eli lixesha eliphambili lokuba abakhohlisi bathathe ithuba. Ingcebiso kubemi unolwazi oluthe kratya kwezona zinto zixhaphakileyo zixhaphakileyo kunyaka ophelileyo, kunye nendlela yokuzibona. 

Yibanenceba

Ngamanye amaxesha akukho sisombululo sikhawulezayo kwiingxaki zakho. Ukuwa kwemeko enje yile akukho namnye kuthi owakha wahlangabezana nayo, ke, ngokuqinisekileyo, ngekhe ube nolawulo olupheleleyo kubomi basemva kokutshixa ukuqala. 

Kulapho kulapho ityala lingena khona. Ukwanda kweeyure zomsebenzi ukwenza ityala kunokukushiya mfutshane ixesha nabahlobo okanye amaqabane. Ukukhangela umsebenzi okungapheliyo kunokukwenza uzive ngathi wenza into engalunganga. Ukuvela kubhubhane wehlabathi ukubona abahlobo bakho bebonakala belungile, betyebile, kwaye bezaliseka ngakumbi kunangaphambili ... kulungile, kodwa isenokungabi nguwe.

Kubalulekile ukuba ukhumbule ukuba ukuxabiseka kwakho akuxhomekekanga ekusebenzeni kwakho okanye ekufumaneni izinto ezintle. Awunakumgxeka umhlobo ngokuba nexhala lemali, ke zama ukuba ungenzi okufanayo nakuwe. 

Nguwe ophambili

Zama ukwaba naliphi na ixesha elinokukwazi ukujonga ngokwakho. Chitha ixesha elisemgangathweni kunye nawe ngendlela onokuchitha ngayo nomhlobo-vumela ukuhoya kwakho okupheleleyo ngelo xesha, nokuba yimizuzu elishumi kuphela. 

Yenza okusemandleni akho ukugcina inkqubo yakho yemihla ngemihla, kwaye uqiniseke ukuba uyaphakama, uyatya, kwaye uphuma phandle ngokwaneleyo. Ukuphatha kulungile - kodwa gcina iliso ekutyeni nasekuchitheni imali. Oku kunokubonakala kuyinto encinci, kodwa ziindlela eziqhelekileyo zokuziphatha nokuba nabantu abonwabileyo nabalungileyo ngamaxesha anzima. Ukuba uziva ngathi kunzima ukuyeka, thetha nomntu omthembileyo okanye omnye wemithombo yoncedo engezantsi. 

Ukuba uyasokola

Uxinzelelo lwezezimali lunokuba nefuthe elikhulu kubomi bethu bemihla ngemihla. Nangona uninzi lwethu lukwinqanawa enye, akufuneki uzive ngokungathi kuya kufuneka uqhubeke nayo. Ngokungafaniyo noxinzelelo ngokubanzi, inesizathu esithile, oko kuthetha ukuba kufuneka kusetyenzwe ngokwahlukileyo.

InyatheloChange sisisa esibonelela ngesisa, ingcebiso ngetyala nakubani na. Banokufikelelwa kwiwebhusayithi yabo, kumnxeba woncedo ongena ku-0800 138 1111. 

Imali yoMncedisi Isixhobo seNqanawa yeMali yinkonzo yezemali ephucukileyo apho ungafunda khona ukuhlala ngaphezulu kwamatyala akho ngexesha lobhubhane, kwaye ufumane inkxaso eyongezelelweyo. 

Ukuba unemicimbi nomqeshi okanye imali onelungelo kuyo, Ingcebiso kubemi no kunceda. 

Yenkonzo yasimahla yokuthetha eyimfihlo, AmaSamariya banokunikezela ngezixhobo zempilo yakho yengqondo- okanye banokuba yindlebe yokumamela ukuba ukhetha njalo. Lelona lolona thintelo lukhulu lokuzibulala kunye nenkxaso yesisa e-UK. Banayo iapp apho unokujonga khona imeko yakho, uphuhlise isicwangciso sokhuseleko, kunye nokufikelela kwizixhobo kunye nemisebenzi yokunceda ukujongana nayo. 

Ngethamsanqa, uxinzelelo lwezezimali lunokudlula njengoko imeko yakho iphucuka, kodwa kufuneka ihlale iqwalaselwa ukukugcina ulungile kwaye usendleleni. Izixhobo ezilapha ngentla zisimahla ukuba zisetyenziswe kwaye ziyafumaneka nge-24/7, kodwa unokuqhagamshelana neGP yakho ukuba uziva uxhalabile rhoqo okanye ukufumanisa kunzima ukujamelana nayo. Ukuba use-UK kwaye ukhathazekile ngempilo yakho yangoko, tsalela umnxeba kwi-NHS ngqo kwi-111.