Ukuba ungumhambi oqonda uhlahlo-lwabiwo mali, mhlawumbi sele usazi malunga neendawo zokuthengisa ezinje ngeHopper, iFLYR, kunye neKayak, iinqwelomoya ezantsi e-Yurophu kubathwali abanjenge-WOW Airlines, kunye neendawo apho idola yakho yaseMelika izokuya kude kulo nyaka.

Ezinxulumene: Iiholide zamaphupha onokuzihlawula ngamanqaku ekhadi letyala kunye neeMayile zoMvuzo

Kodwa ngaba uyazi ukuba uyonga njani imali ukuze uhambo lwakho luqale? Ukuba ucinga ukuba ungumntu omtsha kwilizwe lezemali, funda. UDiane Harris, umhleli we Imali kwiphephancwadi , wabelana ngeengcebiso zakhe zokonga imali, ngezantsi.

Yenza injongo yakho ikhonkrithi.

Xa kuziwa kwinto efana nohambo-eyona njongo ithile- kukho inani lamaqhinga okuzigcina ukonga ngaphezulu, uyacacisa uHarris. Eyokuqala iya kuba kukwenza into oyigcinayo njengekhonkrithi kangangoko. Thatha isigqibo sokuba yeyiphi iholide, nini, apho ufuna ukuya khona.

Faka nenombolo kuyo. Zibekele imali. Jonga ukuba iindleko zomoya ziya kubiza malini, ihotele yakho, ukutya. Unombono ocacileyo wokuba ufuna malini ukuhlangabezana neenjongo zakho, utshilo uHarris.

Khangela imifanekiso yendawo oya kuyo uze uyithumele ngekhompyutha yakho. Okanye ube nomfanekiso kwisipaji sakho-kokukhona unokuzikhumbuza ngeenjongo kokukhona kunokwenzeka ukuba ugcine.

Faka nenombolo kuyo. Zibekele imali. Jonga ukuba iindleko zomoya ziya kubiza malini, ihotele yakho, ukutya. Yazi ukuba ufuna kangakanani ukuhlangabezana nenjongo yakho.

Yenza ukonga kube lula.

Into elandelayo ofuna ukuyenza kukwenza kube lula kuwe, utsho uHarris. Uninzi lwethu zizidalwa ze-inertia-ukuba kuya kufuneka ucinge ngalo lonke ixesha ubeka imali, ubomi buya kungenelela. Endaweni yokuba uHarris acebise ukuseta iakhawunti yokonga yokuhamba eyahlukileyo kunye needipozithi ezizenzekelayo Konke okudingayo kukugcwalisa ifom elula ebhankini, okanye ukwenza isicelo kwisebe lakho le-HR ukuba iinxalenye zomvuzo wakho zifakwe kwiiakhawunti ezahlukeneyo. Imali esingakhange siyichukumise-asiphosi. Uya kulungelelanisa uhlahlo-lwabiwo mali lwakho, utshilo uHarris.

Kwakhona, ukuba unequbuliso lomoya ngequbuliso (ukunyusa, ibhonasi, ukubuyiselwa kwerhafu), beka isahlulo soko kulondolozo lohambo lwakho.

Yenze ibe sesidlangalaleni.

Xelela abanye abantu malunga nenjongo yakho. Kukho umzimba wonke wophando obonisa ukuba ukuba uxelela umntu ukuba iyintoni na injongo yakho, kwaye ukuba uyayibhala, kunokwenzeka ukuba uyifezekise. Xelela umama wakho, xelela abantwana bakho, xelela abahlobo bakho nabantu osebenza nabo ukuba uthatha oluhambo. Yibhale phantsi kwaye uyibeke kwifriji yakho okanye kwibhodi yakho yeengxelo emsebenzini.

Zibambe uxanduva.

Into yokugqibela kukuzibamba kuyo, ukuze uziphendulele. Zininzi izixhobo ezikwi-Intanethi zokunceda ngeli nyathelo, kodwa uHarris ucebisa Isitikha , indawo eyilelwe ukunceda abantu bazibekele iinjongo, kwaye bazifezekise ngezikhumbuzo kunye nezilumkiso. Unokumisela umhlobo njengompempe wakho wokujonga inkqubela yakho kunye nokugcina umkhondo.

Ezo ziziseko, kodwa uHarris wanikezela ngamanye amaqhinga.

Gcina utshintsho lwakho.

Ungaze uhlawule ngotshintsho-kuphela hlawula kwimali yephepha, kwaye uyakuba neqela lotshintsho ekupheleni kosuku, uHarris ucebisa. Ukuthatha lonke utshintsho lwakho olukhululekileyo kunye nokulufaka engqeleni kuyongeza, utshilo.

Gcina izandla zakho kuwe.

Xa uthenga ezivenkileni — ungachukumisi nantoni na, utsho. Uphando lubonakalisile ukuba ukuba uchukumisa into, uziva ungumnini ngokwengqondo, kwaye kunokwenzeka ukuba uthenge.

Qalisa ixesha lokulinda.

Ukuphepha ukunyanzela ukuthenga, linda iiyure ezingama-24 okanye ezingama-48 ngaphambi kokuba uthenge into. Ukuba ucinga ngayo kwakhona, kwaye ngekhe wenze isiqingatha sentengo.

Yibhale phantsi.

Elinye iqhinga uHarris acebisa ukuba uchithe iveki ubhala yonke into oyichithayo, ukusuka kwintonga yentshungama ukuya kwimagazini. Izifundo zibonise ukuba xa ubona imikhwa yakho ibhaliwe, uya kuzilawula, kwaye unciphise.

Fumana iindlela zokongeza umvuzo.

Zimbini kuphela iindlela zokonga: yenza imali engaphezulu okanye uchithe imali encinci, waxes Harris. Ngokuqhelekileyo kulula ukunciphisa iindleko kunokuba ufumane ixesha lokunyusa ingeniso yakho, kodwa ukongeza imithombo yengeniso ngokuqinisekileyo inokukhawulezisa inkqubo yokonga. Yiba nentengiso yeyadi; thatha umsebenzi ozimeleyo; thengisa ifenitshala engasetyenziswanga kwi-Craigslist; faka isicelo somsebenzi wesingxungxo. Yonke iyongeza. Qiniseka nje ukuba uthimba ezo nzuzo kwaye uzibeke usiya kwinjongo yakho (ngokuchasene nokulutha ikofu yeStarbucks, okanye isinxibo esitsha).