Ukulawula imali yakho ngumceli mngeni kubantu abaninzi. Akulula ukugcina umkhondo wendlela ochitha ngayo imali, ukuhlawula amatyala akho, kunye nokonga imali encinci ukusuka kumhla womvuzo ukuya kumhla womvuzo. Oku kunokuba nzima nangakumbi ukuba une -Attention-Deficit/Hyperactivity Disorder (ADHD) . Kodwa ungakhathazeki, awuwedwa. Zininzi iindlela zokukunceda ukhusele imali yakho oyisebenzele nzima ngelixa uphila nale meko. Masithethe ngazo.
Yintoni edibanisa i-ADHD kunye nesipaji sakho?
Uphando lubonisa ukuba abantu abadala abaselula abane-ADHD baneengxaki ezahlukeneyo zokulawula imali, ikakhulu ngenxa yeempawu ezintathu ezihambisana nale meko.
1. Ukulibazisa: Ukucinga izinto ezinje, "Ndiza kuhlawula ityala ngomso ukuba kufuneka ndikwenze namhlanje," okanye "Ndiza kubeka imali ekongeni kamva."
2. Ukungalungelelani : Ukungakhumbuli apho amatyala akhoyo, ukungakhumbuli ukuba kufuneka ahlawulwe nini de kube semva komhla wokugqibela.
3. Ukungxama: Ukwenza izinto ngokungxama, ngaphandle kokucinga. Njengokuya evenkileni uyokuthenga into ongayidingiyo "ngokungxama."
Ezi mpawu azimbi kangako, kodwa zinokwenza kube nzima ukulawula imali yakho ngokufanelekileyo. Ngoko ke, makhe sijonge ezinye iindlela onokuzisebenzisa ukujongana nazo zonke ezi mpawu kwaye uqinise imeko yakho yezemali.
Ungayiphelisa njani 'ingxaki yokulibazisa'?
Ukulibazisa luphawu oluqhelekileyo lwe -ADHD , kodwa ungayoyisa ngala maqhinga alula.
- Yahlulahlula imisebenzi emikhulu ibe ziinxalenye ezincinci: Ukuba ukucinga ngemali inyanga yonke kuvakala ngathi ngumthwalo omkhulu, yahlulahlula ibe ziinxalenye ezincinci. Yenza uluhlu lomsebenzi ngamnye ekufuneka wenziwe. Umzekelo, bhala phantsi "Ndijonga ityala lombane" kunye "Ndiza kulihlawula kwi-intanethi kwixesha elizayo." Xa ugqiba umsebenzi, beka uphawu lokujonga phambi kwawo. Ngaloo ndlela, uya kuziva wonwabile.
- Beka phambili iintlawulo zakho ezibalulekileyo: Ukuba kunokwenzeka, hlawula izinto zakho ezibalulekileyo ezifana neebhili zekhadi letyala, irenti, iintlawulo zemali mboleko, kunye nezivumelwano zokuqeshisa imoto kwangoko nje ukuba uhlawulwe. Ukuba oko akunakwenzeka, bekela bucala olunye usuku phakathi enyangeni ukuze ujonge amatyala akho. Ukuba usebenzisa amaphepha eebhili, bhala "IBHAWULEKILE" kunye nomhla ohlawule ngawo kwibhili ngoonobumba abakhulu. Oku kuya kukunceda uphephe ukuhlawula kabini kwaye ulibale ukuhlawula.
- Ziqhelise ukuhlawula amatyala ngokuzenzekelayo (Ukuhlawula ngokuzenzekelayo):Iinkampani ezininzi ngoku zibonelela ngeenkonzo zokuhlawula ngokuzenzekelayo ngebhanki ekwi-intanethi. Misela ezi ntlawulo ngosuku xa unemali ebhankini yakho, njengomhla wokuhlawula. Misela isaziso kwifowuni yakho okanye kwi-imeyile xa ityala lihlawulwe. Xa ufumana isaziso, jonga ityala ukuqinisekisa ukuba imali ichanekile.
- Beka bucala ixesha lokusebenza: Yenza umkhwa wakho wokwenza umsebenzi wakho wezemali ngexesha elifanayo yonke imihla yeveki. Umzekelo, rhoqo ngeCawa ukusuka ngentsimbi yesi-6 ukuya kweyesi-7 emva kwemini. Xa oku kuba ngumkhwa, ukulibazisa kuya kuncipha.
- Gcina kancinci: Qala iakhawunti yokonga eyahlukileyo. Seta ukudluliselwa ngokuzenzekelayo kwemali encinci (umz. i-Rs. 1000) ukusuka kwiakhawunti yakho yomvuzo inyanga nenyanga ukuya kwiakhawunti yokonga. Usenokungazi nokuba kunjalo, kodwa ekupheleni konyaka, uya kuba nemali eninzi eseleyo.
Wenza ntoni ngokungalungelelani?
Ngaba yonke into ngamanye amaxesha ivakala ngathi yingxaki? Awukwazi ukufumana apho iibhili zakho kunye neerisithi zakho zikhoyo? Le theyibhile ingezantsi ibonisa ezinye iindlela zokukunceda ulawule le meko.
| Icebo | Into ekufuneka uyenze ilula. |
|---|---|
| Iindleko ezirekhodiweyo. | Kwincwadana encinci okanye kwi-app efowunini yakho, bhala phantsi yonke into oyithengayo, kunye nokuba ixabisa malini. Beka isikhumbuzo efowunini yakho sokwenza oku kube kanye ngemini. Ekupheleni kwenyanga, uza kubona ngokucacileyo apho uninzi lwemali yakho luya khona. |
| Yenza uhlahlo lwabiwo-mali lubonakale. | Yenza itshathi entle, enemibala yengeniso yakho kunye neendleko zakho. Ezinye ii-apps zohlahlo-lwabiwo mali zenza oku kube lula. Okanye, zoba usukelo ozama ukuligcinela (umz., ifowuni entsha, uhambo) kwiphepha elikhulu uze ulifake umbala ngalo lonke ixesha xa wongeza imali kulo. |
| Nciphisa amatyala | Ukuba unekhadi letyala ezininzi, ngalinye liya kuba nebhili eyahlukileyo. Oku kunokuba yinto edidayo kakhulu. Ukuba kunokwenzeka, gcina kuphela elo ulisebenzisa kakhulu uze ususe amanye. Emva koko unebhili enye kuphela ekufuneka ukhathazeke ngayo. |
| Khetha indawo ezolileyo. | Xa usebenza kwimisebenzi enxulumene nemali, izinto ezifana neTV, imidiya yoluntu, kunye nabantwana abangxolayo zinokukuphazamisa. Yenza indawo eyahlukileyo, ethuleyo, necwangcisiweyo yale misebenzi. |
| Musa ukusebenzisa iphepha. | Ukuba unengxaki yokulawula iinqwaba zamaphepha, tshintshela kwii-e-bills. Emva koko ungagcina ibhili nganye icwangcisiwe kwiifolda ezikwi-imeyile yakho. Kulula ukuyifumana xa uyidinga. |
| Indawo enye yayo yonke into. | Yenza indawo enye yokugcina onke amaxwebhu akho emali (iincwadi zebhanki, amatyala, irisithi). Isenokuba yibhokisi yezihlangu, ifolda yefayile, okanye ifolda ekhuselweyo ngegama lokugqitha kwikhompyutha yakho. Into ebalulekileyo kukugcina yonke into kwindawo enye ekhuselekileyo. |
Ukuba kunzima ukuzenza ezi zinto wedwa, ungaze ungathandabuzi ukucela uncedo kumhlobo othembekileyo, iqabane, okanye ilungu losapho. Ngamanye amaxesha, uluvo lwesibini lunokuba luncedo kakhulu.
Ungayilawula njani indlela ochitha ngayo imali?
Abantu abane-ADHD badla ngokuziva ngathi bafuna "ukuya kubona into ethile." Nazi ezinye iindlela zokulawula lo mnqweno.
- Ziphephe iindawo ezikuhendayo: Ukuba kukho iindawo apho uhlala uziva ngathi ufuna ukuthenga izinto ongazidingiyo (umz. iivenkile ezinkulu, iimarike ezithengisa izinto ezithengiswayo, ezinye iiwebhusayithi zokuthenga kwi-intanethi), nciphisa ukutyelela kwakho kwezo ndawo ngabom. Zikhuphe kuluhlu lwee-imeyile zeevenkile ezikuthumela rhoqo "izibonelelo" kwaye zikutsalele ukuba uthenge izinto.
- Cwangcisa ngaphambi kokuba uye kuthenga: Ukuba uya kuthenga, qiniseka ukuba wenza uluhlu. Thatha imali kuphela kwizinto ezikolu luhlu. Ukuba kunokwenzeka, zise umhlobo okwaziyo ukonga imali.
- Nciphisa amandla ekhadi letyala:Xa usebenzisa ikhadi letyala, awuziva ubunzima balo. Ngoko ke, sebenzisa imali eninzi kangangoko unako. Khipha kuphela imali omele uyichithe ngeveki uze uyifake kwisikhwama sakho. Gcina ikhadi lakho letyala kwindawo ekhuselekileyo ekhaya, apho lingenakufikeleleka lula khona.
- Zikhumbuze ngosukelo lwakho: Beka isitika esincinci kwikhadi lakho letyala esikukhumbuza into oyigcinele yona (umz., "Uhambo lwaseThailand," "Ilaptop entsha"). Ukuyibona ngalo lonke ixesha usebenzisa ikhadi lakho kuya kukwenza ucinge kabini ngaphambi kokuba wenze iindleko ezingeyomfuneko.
- Zinike ixesha lokuphumla: Ukuba ucinga ngokuthenga into ngemali eninzi, linda iiyure ezingama-24 ngaphambi kokuba uyithenge. Beka isibali-xesha kwifowuni yakho. Cinga ngayo kuphela ukuba usaziva ngathi uyayifuna emva kweeyure ezingama-24. Rhoqo, loo mnqweno uya kuba uphelile ngelo xesha.
Oku akuyonto inokwenziwa ngobusuku obunye. Qala ngotshintsho oluncinci uze kancinci kancinci usebenzele ekubeni nemikhwa emihle yezemali. Ukuba uziva ungakhululekanga okanye uxinezelekile ngeli xesha lohambo, kubalulekile ukuthetha nogqirha wakho, kwaye ukuba kuyimfuneko, ucele uncedo kwingcali yezengqondo.
Umyalezo Wokuya Ekhaya
- I-ADHD yingxaki yezonyango. Iingxaki zemali ezibangelwa yiyo azingobuthathaka bakho. Zikho izisombululo.
- Yeka ukulibazisa, yahlula imisebenzi ibe ziinxalenye, lungiselela i-auto-pay, kwaye ubeke ecaleni ixesha elithile lemisebenzi yemali.
- Yenza iodolo, ulandelele iindleko, wenze lula amatyala, kwaye usebenze kwindawo ezolileyo engenaziphazamiso.
- Lawula ukuchitha imali ngokungxama ngokusebenza kuluhlu lwezinto ozithengayo, usebenzise imali endaweni yekhadi letyala, kwaye ulinde iiyure ezingama-24 ngaphambi kokuba uthenge into enkulu.
- Musa ukuhamba wedwa kolu hambo. Fumana uncedo kumntu omthembayo. Kwakhona, thetha nogqirha wakho ukuba uneengxaki.
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