IsiKhokelo sakho esiSmart kwiiMali zeHolide

Umxholo

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Ukupha izipho kufuneka kube luvuyo-ukusuka kwisicwangciso kunye nokuthenga ukuya ekutshintsheni. Ezi zimvo ziya kumkholisa umamkeli wakho, uhlahlo-lwabiwo mali, kunye nengqondo yakho.

Yandisa imali yakho

Ngalo lonke ixesha vumela igumbi elincinci lokujikeleza kuhlahlo-lwabiwo mali lokunika izipho: Okokuqala, misela umda wakho wokuchitha inkcitho ephezulu-kwaye ubeke eceleni iipesenti ezingama-20 zayo kuthengiso olungalindelekanga ngomzuzu wokugqibela. Umzekelo, ukuba unako ukuhlawula i- $ 500, chitha kuphela i-400 yeedola. Ngaloo ndlela, ukuba ufumana isipho kumntu ongekho kuluhlu lwakho lokuqala, unokuphinda ubuyele ngaphandle kokuvuthela umgca ophantsi, utsho uJudith Akin, M.D., ugqirha wezifo zengqondo kwiYunivesithi yaseVanderbilt. Kukho ithuba elihle lokuba uyakufuna i-cushion: Kunyaka ophelileyo, abantu baseMelika baqikelele ukuba bayolahla malunga ne-536 yeedola ngeeholide kodwa bagqiba ukuchitha i-avareji ye- $ 730 inye, kuvavanyo lweSiseko seRetail Foundation.

Nikela ingqalelo kwizinto ezibalulekileyo

Njengokuba uthanda ukuthanda abahlobo bakho kunye nosapho, kulula ukuziva ngathi iinzame zakho azonelanga (ngakumbi ukuba isangqa sakho sentlalontle sibandakanya inkcitho enkulu). Ayinasizathu soxinzelelo, nangona kunjalo, utsho iStanford Graduate School of Researchers. Bafumanise ukuba ngelixa abo baphi bakholelwa ukuba abamkeli baya kuba nombulelo ngakumbi ngezipho ezibizayo, eneneni iindleko azinampembelelo kumbulelo. Ukuba uziva uziva ngathi ugutyungelwe bubuntu obunobubele, zama ukudibanisa imali yezipho zeqela, okanye usete iSanta eyimfihlo, njengezipho ezingama-80 eziphefumlelweyo ezinexabiso elingu- $ 20.

Khumbula Romance

Ukuba wena nomfana wakho nicinga ukutsiba okutshintshelweyo okwangoku (kuba ungene nje kwisofa kwisofa esitsha, yithi), ungayenzi, utshilo uElizabeth Dunn, Ph.D., unjingalwazi wezengqondo kwiYunivesithi yaseBritish Columbia . Uphando lwakhe lubonisa ukuba isipho esifanelekileyo sinokukhumbuza indoda yakho ngokufana kwakho, kumenza azive enethemba ngekamva lakho. Ukwenza nzulu unxibelelwano lwakho, jolisa kwizipho ezibonisa umdla wakho owabelana ngawo, uthi: Ukuba nidibene ngexesha lendibano yokufota, mthatheleni ikhamera. Bobabini abathanda imovie? Mthengele iseti yebhokisi eninokuyibukela kunye.

Nika amava, hayi izinto

Iihambo (ezinje ngezi ziHlanu zoLuhlu oluLumkileyo lokuThabatha obu Busika), izidlo, imiboniso ... ezi zenza abantu bonwabe ngakumbi kunempahla ebonakalayo, ngokophando olwenziwe kwiNzululwazi yezeNzululwazi. UDunn uthi uyikhumbule le nto xa uthenga, kwaye uthathele ingqalelo amatikiti ekonsathi okanye umrhumo, njengeklabhu yewayini-yenyanga. Ngokhetho olungabizi kakhulu, cinga iivawutsha zemuvi, isatifikethi sesipho semani/pedi, okanye isidlo sasemini kwindawo entsha yokutyela. UDunn uthi, "Ungasinda ngokuchitha imali encinci kwizipho zamava, kuba abantu bathanda ukuzixabisa kakhulu."

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