Okuqukethwe
Imali ikhona yonke indawo ekuphileni kwansuku zonke
Izingane zisizwa sikhuluma ngakho, zisibone sibala, zikhokhe. Kungokwemvelo ukuthi banesithakazelo kuwo. Ukukhuluma nabo ngemali akuyona into engcolile, ngisho noma imibuzo yabo ngezinye izikhathi ibonakala ingenangqondo kithi. Kubo, akukho taboo futhi asikho isidingo sokwenza impicabadala.
Yonke into inenani
Ungathuki uma ingane yakho icela inani lakho konke okuza endleleni yayo. Cha, akathandi ikakhulukazi izinto ezibonakalayo. Uthola nje ukuthi yonke into inenani, futhi ufuna ukuqhathanisa. Ukumphendula nje kuzomvumela ukuthi kancane kancane amise ukuhleleka kobukhulu futhi athole umbono wokubaluleka kwezinto. Ngesikhathi esifanayo, uziqeqeshela izibalo!
Imali ingatholwa
Lapho yenqatshwa ithoyizi ngoba libiza kakhulu, ingane encane ivame ukuphendula: “Kumelwe nje uhambe uyothenga imali ngekhadi lakho!” “. Indlela amathikithi aphuma ngayo emshinini ibonakala iwumlingo kuye. Iphumaphi imali? Ungaphelelwa kanjani, njengoba kufanele uslayide ikhadi lakho endaweni ukuze ulithole? Konke lokhu kuhlale kungaqondakali kuye. Kukithi ukuthi simchazele ukuthi ngokusebenza sihola imali yokukhokhela indlu, ukudla, izingubo zokugqoka, amaholide. Futhi uma ama-banknote ephuma emshinini wokuthengisa, kungenxa yokuthi agcinwe ebhange, ngemuva komshini. Mtshele ngama-akhawunti ethu. Uma imali iyindaba yelukuluku njengazo zonke ezinye, akukho mbuzo wokuyitshela ngezinkathazo zethu zezimali. Uma ezwa ukuthi “Siphelelwe yisenti!” », Ingane ithatha ulwazi ngokoqobo futhi icabange ukuthi ngeke idle lutho ngosuku olulandelayo. Embuzweni othi “Ingabe sicebile, thina?” ", Kungcono ukumqinisekisa:" Sinokwanele ukukhokhela konke esikudingayo. Uma sekusele imali, singathenga esikuthandayo. “
Izingane ziyakuthanda ukuphatha ushintsho
Esitolo sokubhaka, ukubanikeza ikamelo ukuze bakwazi ukukhokhela ubuhlungu babo ushokoledi ngokwabo kubagcwalisa ngokuziqhenya. Kodwa ngaphambi kweminyaka engu-6, imali ifana nethoyizi elincane kubo, elilahlekelwa ngokushesha. Asikho isidingo sokufaka emaphaketheni abo: uma umcebo usulahlekile, kuba inhlekelele.
Ukufuna imali yephakethe kuyakhula
Ngokomfanekiso, ukuba nemali yakho akuyona into encane. Ngokumnika iqanda lesidleke esincane, umnika leso siqalo sokuzimela aphupha ngaso. Ebhekene nama-euro akhe ambalwa, uthatha izinyathelo zakhe zokuqala emphakathini wezohwebo, uzizwa etshalwe ngamandla athile. Wena-ke, uma ekuhlupha efuna uswidi, usungakwazi ukuzithengela yena. Usechithe konke? Kumele nje alinde. Ukwazi ukuphatha imali yakho kungafundwa kuphela ngokuyisebenzisa. Ungumuntu ochitha imali, ungathuki! Ungalindeli ukuthi, kusukela ku-euro yakhe yokuqala, ulondoloza ngesineke ukuze azinike isipho sangempela. Ekuqaleni, kungaphezulu kohlobo "lobhasikidi ogwaziwe": ukuba nohlamvu lwemali esandleni sakho kulwenza lulume, futhi lusetshenziswe, yeka injabulo! Akukhathalekile ukuthi wenzani ngezingcezu zakhe zokuqala: uyahlola futhi ahlikihle amahlombe ngeqiniso lezwe eliphathekayo. Kancane kancane uzoqhathanisa futhi aqale ukubona ukubaluleka kwezinto. Kusukela eneminyaka engu-8, uzokwazi ukuqonda okwengeziwe futhi uzokwazi ukonga uma kukhona okumkhangayo ngempela.
Iphromoshini okungafanele inikezwe kalula
Khetha usuku olungokomfanekiso ozomtshela ukuthi manje unelungelo lokuluthola: usuku lwakhe lokuzalwa, ukuqala kwakhe kokuqala esikoleni … Kusukela eneminyaka engu-6, ungamnikeza i-euro eyodwa noma amabili ngesonto, okungaphezu kokwanele. Umgomo akukhona ukuwunothisa kodwa ukuwunika amandla.
Fundisa ingane ukuthi akuyona yonke into enenani lemali
Kunokuba banikeze ingane yabo isamba esivamile, abanye abazali bakhetha ukukhokhela izinkonzo ezincane akwazi ukuzinikeza zona ekhaya, ukuze nje bamenze aqonde ukuthi wonke umsebenzi ufanelwe iholo. Nokho-ke isuke isinikeza ingane umqondo wokuthi ayikho into yamahhala. Nokho, ukuhlanganyela ekuphileni komkhaya ngokwenza “imisebenzi” emincane (ukusetha itafula, ukulungisa ikamelo lakho, ukukhanyisa izicathulo, njll.) kuyinto engafanele ngempela ukubiza. Kunokuba ube nolwazi lwebhizinisi, fundisa ingane yakho umuzwa wokunakekela nobunye bomkhaya.
Isikhwama semali asikona ukwethembana
Ungase ulingeke ukuba uhlobanise isikhwama semali nokusebenza kwesikole noma ukuziphatha kwengane, uyisuse uma kudingekile. Nokho, ukumnika imali yakhe yokuqala yephakethe kuwukutshela ingane ukuthi ithenjwa. Futhi ukwethenjwa akunakunikezwa ngaphansi kwemibandela. Ukumkhuthaza ukuthi enze umzamo, kungcono ukukhetha irejista ngaphandle kwaleyo yemali. Ekugcineni, asikho isidingo sokugxeka indlela yakhe yokuyisebenzisa. Ingabe uyawumosha ngama-trinkets? Le mali ngeyakhe, wenza umathanda ngayo. Uma kungenjalo, ungase ungamniki!