Ukuphatha izimali zakho kuyinselele kubantu abaningi. Akulula ukulandelela ukusetshenziswa kwemali, ukukhokha izikweletu zakho, nokulondoloza imali encane kusukela ngosuku lokukhokha kuya kosuku lokukhokha. Lokhu kungaba nzima nakakhulu uma une -Attention-Deficit/Hyperactivity Disorder (ADHD) . Kodwa ungakhathazeki, awuwedwa. Kunezindlela eziningi zokukusiza uvikele imali yakho oyisebenzele kanzima ngenkathi uphila nalesi simo. Ake sixoxe ngazo.
Uyini uxhumano phakathi kwe-ADHD nesikhwama sakho semali?
Ucwaningo lubonisa ukuthi intsha ekhulile ene-ADHD inezinkinga ezahlukene zokuphatha imali, ikakhulukazi ngenxa yezici ezintathu ezihambisana nalesi simo.
1. Ukuzindela: Ukucabanga izinto ezinjengokuthi, "Ngizokhokha isikweletu kusasa uma kufanele ngikwenze namuhla," noma "Ngizobeka imali ekongeni kamuva."
2. Ukungahleleki : Ukungakhumbuli ukuthi izikweletu zikuphi, ukungakhumbuli ukuthi kufanele zikhokhwe nini kuze kube ngemva kosuku lokugcina.
3. Ukungacabangi: Ukwenza izinto ngokuphazima kweso, ngaphandle kokucabanga. Njengokuya esitolo uyothenga into ongayidingi "ngokuphazima kweso."
Lezi zici azizimbi ngempela, kodwa zingenza kube nzima ukuphatha izimali zakho ngendlela efanele. Ngakho-ke, ake sibheke ezinye izindlela ongabhekana ngazo nalezi zici futhi uqinise isimo sakho sezezimali.
Ungakuqeda kanjani 'ukulibala'?
Ukuhlehlisa izinto kuyimpawu evamile ye -ADHD , kodwa ungayinqoba ngala maqhinga alula.
- Hlukanisa imisebenzi emikhulu ibe yizicucu ezincane: Uma ukucabanga ngemali inyanga yonke kuzwakala njengomthwalo omkhulu, hlukanisa kube yizicucu ezincane. Yenza uhlu lomsebenzi ngamunye okudingeka wenziwe. Isibonelo, bhala phansi ukuthi "Ngibheka ibhili kagesi" nokuthi "Ngizoyikhokha ku-inthanethi ngesikhathi esizayo." Uma uqeda umsebenzi, beka uphawu lokuhlola phambi kwawo. Ngaleyo ndlela, uzozizwa ujabule kakhulu.
- Beka izinkokhelo zakho ezibaluleke kakhulu kuqala: Uma kungenzeka, khokha izinto zakho ezibalulekile njengezikweletu zamakhadi esikweletu, irenti, izinkokhelo zemali mboleko, kanye nezivumelwano zokuqasha imoto ngokushesha nje lapho usukhokhelwe. Uma lokho kungenzeki, beka eceleni olunye usuku phakathi nenyanga ukuze uhlole izikweletu zakho. Uma usebenzisa izikweletu zamaphepha, bhala ukuthi "KHOKHILE" kanye nosuku okhokhe ngalo ebhilini ngamagama amakhulu. Lokhu kuzokusiza ugweme ukukhokha kabili futhi ukhohlwe ukukhokha.
- Jwayela ukukhokha izikweletu ngokuzenzakalelayo (Ukukhokha ngokuzenzakalela):Izinkampani eziningi manje zinikeza izinsizakalo zokukhokha ngokuzenzakalela ngokusebenzisa ibhange eliku-inthanethi. Setha lezi zinkokhelo ngosuku lapho unemali ebhange lakho, njengosuku lokukhokha. Setha isaziso efonini yakho noma ku-imeyili lapho ibhili selikhokhiwe. Uma uthola isaziso, hlola ibhili ukuqinisekisa ukuthi inani lilungile.
- Beka eceleni isikhathi somsebenzi: Yenza umkhuba wokwenza umsebenzi wakho wezezimali ngesikhathi esifanayo nsuku zonke zesonto. Isibonelo, njalo ngeSonto kusukela ngo-6 kuya ku-7 ntambama. Uma lokhu kuba umkhuba, ukuhlehlisa izinto kuzoncipha.
- Londoloza ngisho nokuncane: Qala i-akhawunti yokonga ehlukile. Setha ukudluliselwa okuzenzakalelayo kwenani elincane (isib. ama-Rs. 1000) kusuka ku-akhawunti yakho yomholo njalo ngenyanga kuya ku-akhawunti yokonga. Ungase ungaqapheli, kodwa ekupheleni konyaka, uzoba nenani elikhulu elisele.
Wenzani ngokungahleleki?
Ingabe konke ngezinye izikhathi kuzwakala sengathi kuyihlaya? Awukwazi ukuthola ukuthi izikweletu zakho namarisidi akho akuphi? Ithebula elingezansi libonisa ezinye izindlela zokukusiza ukuthi ulawule lesi simo.
| Isu | Okudingeka ukwenze kulula. |
|---|---|
| Bhala phansi izindleko. | Encwadini encane yokubhala noma kuhlelo lokusebenza efonini yakho, bhala phansi konke okuthengayo, kanye nokuthi kubiza malini. Setha isikhumbuzi efonini yakho sokwenza lokhu kanye ngosuku. Ekupheleni kwenyanga, uzobona ngokucacile ukuthi iningi lemali yakho liya kuphi. |
| Yenza isabelomali sibonakale. | Yenza ishadi elihle, elinemibala yeholo lakho kanye nezindleko zakho. Ezinye izinhlelo zokusebenza zokwenza isabelomali zenza lokhu kube lula. Noma, dweba umgomo ozama ukuwugcinela (isib. ifoni entsha, uhambo) ephepheni elikhulu bese ulifaka umbala njalo uma ufaka imali kulo. |
| Nciphisa izikweletu | Uma unekhadi lesikweletu eliningi, ngalinye lizoba nebhili elihlukile. Lokhu kungaba yinto edidayo kakhulu. Uma kungenzeka, gcina elilisebenzisa kakhulu bese ususa amanye. Ngemuva kwalokho unebhili elilodwa kuphela okufanele ukhathazeke ngalo. |
| Khetha indawo ethule. | Uma usebenza emisebenzini ehlobene nemali, izinto ezifana ne-TV, izinkundla zokuxhumana, kanye nezingane ezinomsindo zingakuphazamisa. Dala indawo ehlukile, ethule, nehlelekile yale misebenzi. |
| Hlala kude nephepha. | Uma unenkinga yokuphatha izinqwaba zamaphepha, shintshela kuma-e-bill. Ngemuva kwalokho ungagcina ibhili ngalinye lihlelekile kumafolda aku-imeyili yakho. Kulula ukulithola uma ulidinga. |
| Indawo eyodwa yakho konke. | Dala indawo eyodwa yokugcina wonke amadokhumenti akho ezezimali (izincwadi zasebhange, amabhili, amarisidi). Kungaba ibhokisi lezicathulo, ifolda yamafayela, noma ifolda evikelwe ngephasiwedi kukhompyutha yakho. Into ebalulekile ukugcina konke endaweni eyodwa ephephile. |
Uma ukuthola kunzima ukwenza lezi zinto wedwa, ungalokothi unqikaze ukucela usizo kumngane omethembayo, umlingani, noma ilungu lomndeni. Ngezinye izikhathi, umbono wesibili ungaba usizo olukhulu.
Ungayilawula kanjani imikhuba yakho yokusebenzisa imali?
Abantu abane-ADHD bavame ukuzizwa sengathi badinga "ukuyobona okuthile." Nazi ezinye izindlela zokulawula lo mfutho.
- Gwema izindawo ezikuyengayo: Uma kunezindawo lapho uvame ukuzizwa sengathi uthenga izinto ongazidingi (isb. izitolo ezinkulu, izimakethe ezithengisa izinto ezithengiswayo, amanye amawebhusayithi okuthenga aku-inthanethi), nciphisa ngamabomu ukuvakashela lezo zindawo. Zikhiphe ohlwini lwe-imeyili lwezitolo ezikuthumelela njalo "izipesheli" futhi zikuhehe ukuthi uthenge izinto.
- Hlela ngaphambi kokuyothenga: Uma uyothenga, qiniseka ukuthi wenza uhlu. Thatha imali kuphela ngezinto ezikulolo hlu. Uma kungenzeka, letha umngane onekhono lokonga imali.
- Nciphisa amandla ekhadi lesikweletu:Uma usebenzisa imali ngekhadi lesikweletu, awuzizwa unesisindo salo. Ngakho-ke, sebenzisa imali eningi ngangokunokwenzeka. Khipha kuphela imali okudingeka uyisebenzise isonto lonke bese uyibeka esikhwameni sakho semali. Gcina ikhadi lakho lesikweletu endaweni ephephile ekhaya, lapho lingenakufinyeleleka khona kalula.
- Zikhumbuze ngomgomo wakho: Faka isitikha esincane ekhadini lakho lesikweletu esikukhumbuza ukuthi ulondolozelani (isib., "Uhambo lwaseThailand," "I-laptop entsha"). Ukuyibona njalo uma usebenzisa ikhadi lakho kuzokwenza ucabange kabili ngaphambi kokwenza izindleko ezingadingekile.
- Zinike "isikhathi sokupholisa": Uma ucabanga ukuthenga into ngemali eningi, linda amahora angama-24 ngaphambi kokuyithenga. Setha isibali sikhathi efonini yakho. Cabanga ngakho kuphela uma usazizwa sengathi uyayifuna ngemva kwamahora angama-24. Ngokuvamile, isifiso sokuthenga sizobe sesiphelile ngaleso sikhathi.
Lokhu akuyona into engenziwa ngobusuku obubodwa. Qala ngezinguquko ezincane bese usebenza kancane kancane ukuze ufinyelele emikhubeni engcono yezezimali. Uma uzizwa ungakhululekile noma ucindezelekile phakathi nalolu hambo, kubalulekile ukukhuluma nodokotela wakho, futhi uma kudingeka, funa usizo kudokotela wengqondo.
Umlayezo Wokuya Nawe Ekhaya
- I-ADHD yisimo sezokwelapha. Izinkinga zezimali ezibangelwa yiyo akuzona ubuthakathaka bakho. Kunezixazululo.
- Yeka ukuhlehlisa izinto, hlukanisa imisebenzi ibe yizicucu, setha i-auto-pay, bese ubeka eceleni isikhathi esithile semisebenzi yemali.
- Dala i-oda, ulandelele izindleko, wenze kube lula izikweletu, futhi usebenze endaweni ethule engenazo iziphazamiso.
- Lawula ukusebenzisa imali ngokuphamazela ngokusebenza ohlwini lwezinto ozothenga kuzo, usebenzise imali esikhundleni sekhadi lesikweletu, bese ulinda amahora angama-24 ngaphambi kokuthenga izinto ezinkulu.
- Ungahambi wedwa kulolu hambo. Thola usizo kumuntu omethembayo. Futhi, khuluma nodokotela wakho uma unenkinga.
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