Fɔ manej yu mɔni na prɔblɛm fɔ bɔku pipul dɛn. I nɔ izi fɔ kip trak fɔ di mɔni we yu de spɛn, pe yu bil, ɛn kip smɔl mɔni frɔm di de we yu de pe to di de we yu de pe. Dis kin tranga pasmak if yu gɛt Attention-Deficit/Hyperactivity Disorder (ADHD) . Bɔt nɔ wɔri, nɔto yu wan de. Bɔrku we fɔ ɛp yu fɔ protɛkt yu mɔni wae yu dɔn wok tranga wan wae yu de liv wit dis sik. Lɛ wi tɔk bɔt dɛn.
Wetin na di kɔnekshɔn bitwin ADHD ɛn yu walet?
Risach dɔn sho se yɔŋ pipul dɛm wae gɛt ADHD kin gɛt difrɛn prɔblɛm wae de mɛk dɛn nɔr gɛt mɔni, bɔrku pan dɛn kin bi bikɔs ɔf tri tin dɛm wae kin kam wit dis sik.
1. Procrastination: Tink tins laik, "A go pe di bil tumoro if a get fo du am tide," or "A go put di moni fo sevings leta."
2. Disɔganayzeshɔn : Nɔ mɛmba usay bil dɛn de, nɔ mɛmba ustɛm dɛn fɔ pe te afta di de we dɛn fɔ pe.
3. Impulsivity: Fɔ du tin pan impuls, we yu nɔ tink. Lɛk fɔ go na di stoa ɛn bay sɔntin we yu nɔ nid "on impulse."
Dɛn kwaliti dɛn ya nɔ kin rili bad, bɔt dɛn kin mek i nɔ izi fɔ yuz yu mɔni fayn fayn wan. So, lɛ wi luk sɔm we dɛn we yu go ebul fɔ dil wit ɛni wan pan dɛn kwaliti dɛn ya ɛn mek yu mɔni biznɛs strɔng.
Aw fɔ put ɛnd pan ‘procrastination’?
Fɔ tek tɛm du tin na wan kɔmɔn sayn fɔ ADHD , bɔt yu kin ebul fɔ win am wit dɛn simpul trik ya.
- Brek big wok dɛn to smɔl smɔl: If fɔ tink bɔt mɔni ɔl di mɔnt tan lɛk big lod, brok am to smɔl smɔl. Mek wan list fɔ ɛni wok we yu nid fɔ du. Fɔ ɛgzampul, rayt "A de chɛk di ilɛktrishɔn bil" ɛn "A de pe am na di intanɛt nɛks tɛm." We yu dɔn fɔ du wan wok, put chɛk mak bifo am. Da we de, yu go fil mɔ gladi.
- Yu fɔ pe di tin dɛn we impɔtant pas ɔl: If i pɔsibul, pe yu impɔtant tin dɛn lɛk kredit kad bil, rent, lɔn pemɛnt, ɛn motoka lis jɔs afta dɛn pe yu. If dat nɔ pɔsibul, put ɔda de na midul di mɔnt fɔ chɛk yu bil dɛn. If yu yuz pepa bil, rayt "PAID" ɛn di de we yu pe pan di bil wit big lɛta. Dis go ɛp yu nɔ fɔ pe tu tɛm ɛn fɔgɛt fɔ pe.
- Yuz fɔ pe bil dɛn ɔtomɛtik wan (Auto-pay):Bɔku kɔmni dɛn naw de gi ɔto-pay savis tru ɔnlayn banking. Sɛt dɛn pemɛnt ya pan di de we yu gɛt mɔni na yu bank, lɛk pe de. Sɛt ap wan notis to yu fon ɔ imel we dɛn pe bil. We yu gɛt di notis, chɛk di bil fɔ mek shɔ se di mɔni kɔrɛkt.
- Sɛt tɛm fɔ wok: Mek am abit fɔ du yu mɔni wok di sem tɛm ɛvride insay di wik. Fɔ ɛgzampul, ɛvri Sɔnde frɔm 6 to 7 p.m. We dis bi abit, fɔ de tek tɛm du tin go jɔs stɔp.
- Sev ivin smɔl: Start wan sɛpret sevings akɔn. Set op wan ɔtomatik transfa fɔ smɔl mɔni (e.g. Rs. 1000) frɔm yu salari akɔn ɛvri mɔnt to di sevings akɔn. Sɔntɛm yu nɔ go ivin no, bɔt we wan ia dɔn, yu go gɛt bɔku mɔni we lɛf.
Wetin yu kin du bɔt dis ɔganayzeshɔn?
Yu tink se sɔntɛnde, ɔltin kin fil lɛk se i dɔn rɔtin? Yu nɔ ebul fɔ fɛn usay yu bil ɛn risit dɛn de? Di tebul we de dɔŋ ya de sho sɔm we dɛn fɔ ɛp yu fɔ kɔntrol dis tin .
| Plan | Wetin yu nid fɔ du na simpul tin. |
|---|---|
| Rikɔd di tin dɛn we yu spɛn. | Insay smɔl notbuk ɔ na ap na yu fon, rayt ɔl wetin yu bay, wit ɔmɔs i kɔst. Sɛt wan mɛmba na yu fon fɔ du dis wan tɛm insay di de. We di mɔnt dɔn, yu go si klia wan usay bɔku pan yu mɔni de go. |
| Mek di badjɔt we pɔsin kin si. | Mek wan fayn chɔt we gɛt kɔlɔ fɔ sho di mɔni we yu de gɛt ɛn di tin dɛn we yu de spɛn. Sɔm badjɛt ap dɛn kin mek dis izi. Ɔ, drɔ wan gol we yu de tray fɔ kip fɔ (e.g., nyu fon, trip) pan big pepa ɛn kala am ɛvri tɛm we yu ad mɔni pan am. |
| Ridyus di bil dɛn | If yu gɛt bɔku bɔku kredit kad dɛn, ɛni wan pan dɛn go gɛt sɛpret bil. Dis kin rili kɔnfyus. If i pɔsibul, na di wan nɔmɔ we yu de yuz mɔ ɛn pul di ɔda wan dɛn. Dɔn na wan bil nɔmɔ yu gɛt fɔ wɔri bɔt. |
| Pik ples we kwayɛt. | We yu de wok pan wok dɛn we gɛt fɔ du wit mɔni, tin dɛn lɛk TV, soshal midia, ɛn pikin dɛn we de mek nɔys kin pul yu maynd. Krio wan separet, kwayɛt, ɛn ɔganayz ples fɔ dɛn wok ya. |
| Stay away frɔm pepa. | If yu gɛt prɔblɛm fɔ manej bɔku bɔku pepa dɛn, chenj to e-bil. Dɔn yu kin kip ɛni bil ɔganayz insay fɔlda dɛn na yu imel. I izi fɔ fɛn am we yu nid am. |
| Wan ples fɔ ɔltin. | Krio wan ples fɔ kip ɔl yu faynɛns dɔkyumɛnt dɛn (bank buk, bil, risit). I kin bi bɔks fɔ sus, fayl fɔlda, ɔ fɔlda we gɛt paswɔd na yu kɔmpyuta. Di impɔtant tin na fɔ kip ɔltin na wan say we sef. |
If yu si se i nɔ izi fɔ yu fɔ du dɛn tin ya fɔ yusɛf, nɔ ɛva shem fɔ aks fɔ ɛp frɔm yu padi, patna, ɔ yu fambul we yu kin abop pan. Sɔntɛnde, di sɛkɔn opinion kin rili ɛp.
Aw yu go ebul fɔ kɔntrol di we aw yu de spɛn mɔni?
Bɔku tɛm, pipul dɛm wae gɛt ADHD kin fil lɛk se dɛn nid fɔ "go si sɔntin." Na sɔm we dɛn ya fɔ kɔntrol dis kayn we aw pɔsin kin fil.
- Avɔyd ples dɛn we de tɛmpt yu: If ples dɛn de we bɔku tɛm yu kin fil fɔ bay tin dɛn we yu nɔ nid (e.g. shopin mal, flea market, sɔm ɔnlayn shopin wɛbsayt), kɔnshɛns fɔ ridyus yu visit to dɛn ples dɛn de. Nɔ sabskraib frɔm di imel list dɛn fɔ di stɔ dɛn we de sɛn "ɔf" to yu ɔltɛm ɛn we de mek yu want fɔ bay tin dɛn.
- Plan bifo yu go shop: If yu de go shop, mek shɔ se yu mek wan list. Na fɔ tek mɔni nɔmɔ fɔ di tin dɛn we de na da list de. If i pɔsibul, kam wit yu padi we sabi fɔ kip mɔni.
- Limit di pawa we di kredit kad gɛt:We yu spɛn mɔni wit kredit kad, yu nɔ de fil di wet we i gɛt. So, yuz bɔku mɔni as yu ebul. Na di mɔni nɔmɔ yu nid fɔ spɛn fɔ wan wik ɛn put am na yu walet. Kip yu kredit kad na say we sef na os, usay i nɔ go izi fɔ rich.
- Mɛmba yusɛf bɔt yu gol: Put wan smɔl stika na yu kredit kad we de mɛmba yu wetin yu de kip fɔ (e.g., "Thailand trip," "New laptop"). We yu si am ɛvri tɛm we yu de yuz yu kad, dat go mek yu tink tu tɛm bifo yu spɛnd mɔni we yu nɔ nid.
- Gi yusɛf "cooling-off period": If yu de tink fɔ bay sɔntin fɔ bɔku mɔni, wet 24 awa bifo yu bay am. Sɛt wan tayma na yu fon. Na fɔ tink bɔt am nɔmɔ if yu stil fil se yu want am afta 24 awa. Bɔku tɛm, di tin we dɛn kin want fɔ du go dɔn stɔp da tɛm de.
Dis nɔto sɔntin we pɔsin kin du wan nɛt. Start wit smɔl chenj dɛn ɛn wok smɔl smɔl fɔ mek yu gɛt bɛtɛ mɔni abit dɛn. If yu nɔr fil fayn ɔr strɛs we yu de travul, i impɔtant fɔ tɔk to yu dɔktɔ ɛn if nid de, go to dɔktɔ we de stɔdi bɔt pɔsin in maynd fɔ ɛp yu.
Mɛsej we dɛn kin kɛr go na os
- ADHD na wan sik we pɔsin kin gɛt we i de mɛn pipul dɛn. Di prɔblɛm dɛn we i kin gɛt wit mɔni biznɛs nɔto yu yon wikɛd tin. Sɔlv dɛn de fɔ sɔlv di prɔblɛm.
- Stɔp fɔ prokrastin, brok wok dɛn to smɔl smɔl, sɛt ɔto-pay, ɛn sɛt wan patikyula tɛm fɔ mɔni wok dɛn.
- Krio ɔda, trak di spɛns, mek bil izi, ɛn wok na kwayɛt ples we nɔ gɛt ɛnitin fɔ ambɔg am.
- Kɔntrol di mɔni we yu de spɛn kwik kwik wan bay we yu de wok frɔm di list we yu want fɔ bay, yuz kɔsh mɔni instead fɔ yuz kredit kad, ɛn wet fɔ 24 awa bifo yu bay big tin.
- Nɔ go tru dis waka yu wan. Gɛt ɛp frɔm pɔsin we yu abop pan. Dɔn bak, tɔk to yu dɔktɔ if yu gɛt ɛnitin fɔ wɔri bɔt.
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