Awudingi ukuthi ucebe ukuthatha uhambo futhi ube neholide elijabulisayo. Ngokulandela lezi zeluleko zendlela yokonga imali yokuhamba, uzofeza iphupho lempilo yakho lokuya kuleyo ndawo ekhethekile obukade uyilangazelela.
Kungani ukuthatha uhambo kubiza imali encane kunaleyo ocabanga ngayo?
Ungathanda ukuhamba emhlabeni noma uthathe nje iholide lamaviki amathathu noma amane endaweni enhle yamazwe omhlaba? Kunomkhuba wokukholelwa ukuthi ukuthatha lolu hambo kwenzelwa abacebile kuphela noma abantu abasanda kuwina ilotto.
Ngokusobala, uma uhamba ikilasi lokuqala, hlala ehhotela elibizayo elingasebenzisi uhhafu wezindawo zalo futhi udle ezindaweni zokudlela zikanokusho, uzodinga imali eningi.
Kepha ungaba nobuciko, uthathe izinyathelo ezahlukahlukene zokonga kanye / noma zokukhulisa imali, futhi wenze uhlelo lokuvakasha oluhehayo ngaphandle kokuba ngumthwalo.
Ezinye izinyathelo zifuna futhi zibandakanya ukuzidela, ikakhulukazi lezo ezihloselwe ukunciphisa izindleko nokwandisa ukonga.
Abanye, njengokufunda ukuthi uzuza kanjani imali ethe xaxa, kungaba ukufunda okubalulekile nethuba lokuthuthukisa isimo sakho sezezimali impilo yakho yonke.
Ifomula yokuhamba ilula futhi itholakala kunoma ngubani, inqobo nje uma bezama.
Uyonga kanjani imali yokuhamba: izinyathelo eziyi-12 zokuyithola
Ukonga akuyona inkambiso engokwemvelo yabantu futhi iningi labantu lihlala usuku nosuku ngaphandle kwesikhwama sokulondoloza, hhayi kangako ngoba iholo lalo liphansi, kodwa ngenxa yokuntuleka kokuzibophezela ekongeni.
Kodwa-ke, uma wenza isimilo ngokuziphatha okulandelayo, uzokwazi ukuthola imali oyidingayo yalolo hambo obukade ulangazelela ukukwenza.
Funda umhlahlandlela wethu kuzeluleko eziyi-12 zokonga imali ukuze uthathe uhambo oluya endaweni oyifunayo
1. Yamukela ukuziphatha okuzuzisa ngokwengeziwe ngokwezimali
Asifuni ukukugxeka ngoba izimali zakho, noma ngabe ziphansi kangakanani, azihlelekile njengoba kufanele. Yisifo esihlupheka iningi labantu.
Kepha ukuze ube nguchwepheshe ongonga imali yokuhamba, kuzobaluleka ukuthi uziphathe ngendlela ehleleke kakhudlwana nezindleko zakho.
Funda ukonga
Isikole, isikole samabanga aphakeme kanye nekolishi akufundisi okuningi ngokuhlelwa kwezezimali, ngaphandle kokuthi ukhethe umsebenzi ohlobene nezomnotho.
Sijwayela ukuchitha cishe yonke into engenayo futhi simiswe esimweni sethu samanje, ngaphandle kokubheka ezinye izindlela zokukhulisa ibhalansi yasebhange.
Abanye abantu banekhono elihle ekuphatheni imali, into enhle kakhulu ukuthi lokhu kuyinto engafundwa.
Intshisekelo esheshayo yokuthola imali edingekayo yokuthatha uhambo lokuya phesheya yisikhathi esihle sokuba ubuyekeze noma ufunde imiqondo eyisisekelo ngokuhlela isabelozimali sakho nokuqeda leyomikhuba emibi esiyithola sonke endleleni.
Thatha kalula kodwa ungaphumuli
Ungacabangi ukuthi usemncintiswaneni we ijubane. Esikhundleni salokho, ukuhlolwa kwangemuva okuzokuvumela ukuthi uthole ukufundwa kwesikhathi eside ukuze ukwazi ukwenza uhambo lwakho lwaminyaka yonke lokuya eholidini, noma ngabe kwesinye isikhathi uthatha inkathi ende yokuhambela umhlaba.
Abantu abaningi bayahluleka kulo msebenzi, kepha imvamisa kwenzeka ngoba bengakhange benze luhlelo oluhlelekile noma abalwenzanga ngokubambelela. Ungabi ngomunye wabo.
2. Yenza ukulandelela okunzima kwezindleko zakho
Ingabe ukuphatha imali yakho akusizi ngalutho? Awazi yini ukuthi ishelela kanjani isuka kuwe? Ingabe uyakwesaba ukubheka ibhalansi ye-akhawunti yakho yasebhange? Ngabe uphatha ama-akhawunti amaningi, wonke anebhalansi esondele kuziro?
Ingcindezi kuphela engabangelwa yilesi simo ekuvimbela ukuba uqale ukuthatha izinyathelo ezidingekayo zoku-oda izimali zakho.
Ukuqala kwesixazululo kulula: thatha usuku lwesikhathi sakho samahhala ukwenza ukuhlaziywa okuphelele kwezindleko zakho ngenyanga edlule, noma mhlawumbe, ngekota yokugcina.
Musa ukukwenza umsebenzi ofuna ukuwuqeda ngokushesha okukhulu. Thenga ibhodlela lewayini noma wenze ama-cocktails ukwenza uphenyo lube mnandi.
Lungisa imininingwane oyodinga
Kunezindlela ezintathu ezivamile zokusebenzisa imali: ngokheshi, kumakhadi (imali edonswayo kanye nekhredithi) nangokudlulisa.
Izindleko zamakhadi nezokudlulisa zishiya okulula ukulandela umkhondo we-elektroniki, kepha izindleko zemali azenzi.
Uzodinga ukubhala phansi inyanga noma ngesikhathi sokuhlola imithombo yakho ehlukene yokuthola ukheshi: ukukhishwa kwe-ATM, izibonelelo, imali mboleko yabazali (uhlobo ongalokothi ukhokhe, kodwa olisebenzisayo) nabanye.
Kuzofanele ubhale phansi zonke izindleko ozenzayo ngemali esemaphaketheni akho. Sebenzisa uhlelo lokusebenza lwamanothi kuselula yakho noma incwajana elula.
Hlela ukuthi uyisebenzisa kanjani imali yakho
Lapho usunalo lonke ulwazi, zinikele ekubhaleni phansi zonke izindleko ozenzile.
Impela kuzoba nezindleko eziphindaphindwayo eziningana, ngokwesibonelo, amakhofi, okhilimu nama-lunsh emgwaqeni, ngakho-ke ngemuva kokubhala ngakunye kuzofanela uwaqoqe.
Ukuqoqwa kuzoncika kuphethini yomuntu ngamunye, kepha kufanele kube yizinto ezifanayo futhi nokuhlukaniswa okwanele.
Iphethini yakho yokusebenzisa imali kuzoba nokungekho emthethweni okunye kube nokunwebeka. Ezokuqala yilezo ezinikezela ngamathuba ambalwa okunciphisa, ngokwesibonelo, izindleko zempahla ebanjiswayo noma irenti yendlu.
Gxila kuqala ezindlekweni ezinwebekayo, ezinikeza ithuba elikhulu lokuncishiswa. Ngokuqinisekile uzothola amathuba wokonga lapho uthi nhlá.
Lokhu kuvivinya kosuku olulodwa kuzokusiza impilo yakho yonke kwazise, uma uphethe izinombolo, uzokwazi kahle ukuthi imali yakho iyaphi futhi uzokwazi ukubona izindleko ezingadingekile.
Funda umhlahlandlela wethu ngalokho ongakuthatha ohambweni: Uhlu lokuhlola olucacile lwepotimende lakho
Dweba iziphetho endleleni yakho yokusebenzisa imali
Ingabe uchitha kakhulu ezindaweni zokudlela? Ngokwesilinganiso, ukudla ngaphandle kubiza kathathu kunokudla ekhaya.
Ingabe ungumlandeli we ukufaneleka omunye walabo abahamba yonke indawo bethenga ibhodlela lamanzi futhi badle kaningana ngosuku? Ungaqoqa amabhodlela amaningana bese uba nomkhuba wokuwagcwalisa nokuwafaka esiqandisini ekhaya. Iplanethi kanye nephakethe zingayithokozela.
Ungakwenza ngaphandle kwe- INetflix okungenani inqobo nje uma uhlelo lwakho lwempi lwezezimali luzohlala? Ungasinda ezinhlelweni zikamakhalekhukhwini futhi I-inthanethi eshibhile?
Ngabe kufanele uphuthume uyothenga inguqulo yakamuva ye-Samsung noma ungakwazi ukunweba impilo ye- "dinosaur" yakho kancane? Ingabe uphuza kakhulu ikhofi noma utshwala?
Ngabe ukhokhela ijimu oyisebenzisa kuphela izinsuku ezinhlanu noma eziyisithupha ngenyanga? Ungasinda isizini ngezingubo nezicathulo osuvele unazo ekamelweni lakho? Ingabe nawe ukhuluphele kakhulu ngezipho?
Izimpendulo zemibuzo efana nawe zizoncika empumelelweni yohlelo lwakho lokulondolozwa kohambo.
3. Lungiselela isabelomali esiqinile
Kuzofanele wenze izabelomali ezimbili, eyodwa yezindleko zakho zokuphila ngaphambi kohambo futhi eyodwa yohambo lwakho.
Lungisa isabelomali sakho sohambo
Kuzoya ngobude nesikhathi lapho uya khona. Kulezi zinsuku kulula ukuthola izindiza ezishibhile eziya cishe yonke indawo ngesizini ephansi, kufanele uhlole izingosi ezihambisanayo njalo.
Ngokwenza okulungile, kungenzeka ukuhamba ngeholide usebenzisa imali engama- $ 50 yokuhlala, ukudla nezinye izindleko.
Ngisho nasemadolobheni ezivakashi abiza kakhulu eNtshonalanga Yurophu (njengeParis neLondon), ungaphila ngo- $ 50 ngosuku. Uma indawo oya kuyo iseMpumalanga Yurophu, amanani entengo ahle kakhulu. Kodwa-ke, isabelomali esincisha kancane sizoba ngama- $ 80 ngosuku.
Izinsuku ezingama-30, uzodinga i-2400 USD, kungafaki amathikithi endiza.
Lokhu kusho ukusebenzisa indawo yokuhlala enezinsizakalo eziyisisekelo kodwa ngaphandle kokunethezeka. Kusho nokudla ezindaweni zokudlela ezinesizotha kanye nokupheka endaweni yokuhlala, kanye nokwenza ngcono ukusetshenziswa kwezithuthi zomphakathi.
Uma isifiso sakho kungukulengisa ubhaka wakho bese uya eglobetrotting izinyanga eziyisithupha, uzodinga ama- $ 14,400 kuma-akhawunti akho lapho ushiya, mhlawumbe okuncane, ngoba uhambo lwesikhathi eside luvame ukuba lushibhile ezindlekweni zansuku zonke kunezimfushane.
Lungisa isabelomali sakho sempilo ngaphambi kohambo
Lesi sabelomali sizoncika enanini lemali ozoyidinga ohambweni futhi kuzofanele usisebenzise uma nje likuvumela ukuthi ulilande.
Ake sicabange ukuthi uzohamba inyanga eyodwa ngonyaka, ngakho-ke, uzoba nezinyanga eziyi-12 ukonga imali edingekayo.
Ake sicabange ukuthi uzodinga ama-3700 USD ohambweni, usatshalaliswe kanjena:
- Ithikithi lomoya lomhlaba jikelele: 900 USD
- Umshuwalense wokuhamba: 40 USD.
- Izindleko zokuphila ($ 80 ngosuku): $ 2,400
- Isibonelelo sezimo eziphuthumayo (15% yezindleko zokuphila): $ 360
- Ingqikithi: USD 3700
Kumele kuqashelwe ukuthi lesi sabelomali asifaki uchungechunge lwezindleko ongahle uzithole, njenge:
- Cubungula ipasipoti: eMexico kubiza i-1205 MXN ngokusebenza kweminyaka emi-3.
- Ukuthola ubhaka: ucezu lwamalitha angama-45 lubiza phakathi kuka-50 no-120 USD, kuya ngekhwalithi yaso.
- Thenga ezinye izesekeli: okuvame kakhulu i-adaptha ye-plug nebhalbhu.
- Izindiza zasekhaya.
Setha izinga lakho lokonga
Njengoba unezinyanga eziyi-12 ukukhulisa u- $ 3,700, kufanele wonge u- $ 310 ngenyanga ukufinyelela umgomo wakho. Njengoba wenza?
Ngephethini yakho yokusebenzisa imali esandleni:
- Setha ileveli yokonga yento ngayinye yezindleko ezinwebeka uze ufinyelele enanini eliphelele lama- $ 310 ngenyanga.
- Hlola masonto onke ukuthi unamathela ohlelweni lwakho lokusebenzisa imali futhi wenze noma yiziphi izinguquko ezidingekayo.
- Ungalokothi uyothenga "mahhala". Uma uzokwenza imakethe, thola kusengaphambili ukuthi uzosebenzisa malini kakhulu.
- Ekuphumeni kweqembu lakho, shiya amakhadi ekhaya bese usebenzisa kuphela lokho okuhlelile ngokheshi.
Izilinganiso ezithile zingabonakala zingafaneleki, kepha ukuphela kwendlela yokufeza ukonga okubhajethelwe.
Lesi yisikhathi sokuthatha isinqumo sokuthi:
- Ungenza ngaphandle kweNetflix unyaka.
- I-cappuccino ekuseni yanele, isusa leyo ntambama.
- Iziphuzo ezimbalwa zanele ngoLwesihlanu ebusuku, zigwema usuku olude lwamakilabhu nemigoqo.
- Isikhathi sokufaka isicelo ngencwadi yokupheka Inthanethi, ukulungisa ezinye izitsha (lokhu kuzoba ukufunda okuzoba yinzuzo impilo yakho yonke).
4. Thuthukisa imikhuba yokonga
Uma ufuna ukonga ukuhamba umhlaba, le mikhuba elandelayo izoba wusizo ngaphambi, ngesikhathi nangemva kohambo.
Vuka ngaphambi kwesikhathi uhambe
Kunganjani uvuke ngaphambi kwesikhathi uhambe ngezinyawo uye emsebenzini, wonge izindleko zebhasi noma zesitimela esingaphansi?
Ngabe ushayela uya emsebenzini? Kuthiwani uma uvumelana nozakwenu abasehhovisi bese wenza uhlelo lokwabelana ngezimoto?
Ikhishi
Uhlelo lwakho lokonga iholide alunakuba ngaphandle kwesenzo sokhonkolo ekudleni, okuthatha iningi lesabelomali sakho sezindleko zokuphila.
Ukupheka kungakusiza wonge imali eshisiwe uma kuqhathaniswa nokudla emgwaqweni. Akudingeki uzincishe izinto ozithanda kakhulu ezindaweni zokudlela eziyizintandokazi zakho.
Esikhundleni soku-oda ubhontshisi omnandi we-avocado noma ama-carnita tacos ngekhofi noma ngamanzi amasha, funda ukuthi ungazilungiselela kanjani.
Ngaphandle kokonga, ukudla ekhaya kunenzuzo enempilo: wazi kahle ukuthi yini okupakishile esiswini sakho.
Ukudla kwakusihlwa okuphelele okwenziwe ekhaya kungonga okungenani ama-dollar amahlanu uma kuqhathaniswa nokudla kakhulu noma okuncane okufanayo emgwaqweni. Uma ushintsha ukudla emgwaqweni kanye ngosuku, sikhuluma okungenani ama-USD ayi-150 ngenyanga.
Yenza izivivinyo "ezishibhile"
Ngabe uyayidinga ngempela leyo jimu ebizayo oyikhokhelayo? Kukhona amathrekhi okwamanje we ukugijima mahhala noma ngemali ephansi ngemishini yokuzivocavoca esabalele endleleni.
Uma zingatholakali eduze kwalapho uhlala khona, ungafunda futhi inqubo ejwayelekile yokuvivinya umzimba ekuvumela ukuthi ugcine isimo sakho esihle somzimba.
Akufani nendawo yokuzivocavoca umzimba, kepha okubalulekile ukuthi uhlale usesimweni esihle ngenkathi ulondolozela uhambo lwakho.
Hlanganyela ekhaya
Esikhundleni sokuphuma kwenye indawo, hlela ubusuku nabangane endlini yakho ngezindleko ezabiwe. Bazokwazi ukuphuza, bapheke futhi badle ngesabelomali esincane kakhulu.
Uma amanye amalungu eqembu enza okufanayo, ukonga kungaba kukhulu.
5. Yehlisa izindleko zakho zokuhlala
Lapho ubeka izinyathelo zendlela yokonga imali yokuhamba, lokhu kungabonakala ngokweqile, kepha kusebenza kahle kakhulu.
Kungenzeka ukuthi uhlala egumbini lakho wedwa. Kuthiwani ngokuthi wabelane ngalo, futhi wabelane nezindleko?
Ungathuthela efulethini elincane noma uye komunye umakhelwane ophephile kodwa oshibhile?
Ungaphila nabazali bakho ngenkathi uhlelo lwakho lokonga lusaqhubeka? Ungakwazi ukuqasha indlu yakho uthuthele eshibhile?
Lezi akuzona izinketho ezifiseleka kakhulu futhi azinakwenzeka ngisho nawo wonke umuntu, kepha zikhona uma ezinye izindlela zingenakwenzeka noma zingavumeli ukufeza izinga elidingekayo lokonga.
Ukwenza iphupho lifezeke kungadinga isenzo esingakhululeki futhi kufanele uthathe isinqumo sokuthi uzosamukela noma usilahle ithawula.
6. Thengisa ongakusebenzisi
Indlela enhle yokonga ohambweni idinga usizo olukhulu olungaba khona ekukhiqizeni imali entsha ekhulisa isikhwama sokuhamba, kufaka phakathi ukuthengiswa kwezinto zomuntu siqu esingazilahla ngaphandle kokuhlukumezeka.
Sonke sinezinto ekhaya esizisebenzisa kancane noma ezigcinwa nje, ezikhohliwe noma ezingasetshenziswanga.
Ibhayisikili, isiginci, induku nengubo ye ihoki, ikhompyutha yesibili, i-turntable ye-DJs, ikhabethe ... Uhlu luyoba olungapheli.
Uma wenza igaraji noma iMercado Libre yokuthengisa, ungafaka imali encane engeza okungaphezulu kokushintsha nje esikhwameni sakho sokuhamba.
7. Yiba nobuciko ekongeni
Kungahle kunganeli ukwenza i-toast ye-avocado ekhaya esikhundleni sokuyithenga elolini lokudla.
Thenga kumasayithi anenzuzo enkulu
Akwanele ukuqala ukupheka.Uma uthenga futhi ezindaweni ezifanele kakhulu, ukonga kuzoba kukhulu.
Kuwo wonke amadolobha kunezindawo lapho kuthengwa khona kushibhile imifino, izithelo, inhlanzi, ushizi nokunye ukudla. Thola ukuthi ziyini.
Ngaphambi kokuyothenga, bheka ezinye izingosi zezitolo ukubona ukuthi yini ezithengiswayo.
Ikhishi ukwenza ifriji nokubanda
Ukupheka nsuku zonke kungaba yisidina, ikakhulukazi kulabo abangakawenzi lo mkhuba.
Uma esikhundleni sedina lansuku zonke ulungiselela okubili ngaso sonke isikhathi, udla esisodwa futhi ufake esiqandisini noma uqandise esinye, uzonciphisa isikhathi nge-apron cishe cishe isigamu.
Lelisu lizokuvumela ukuthi wonge amahora ambalwa kweminye imisebenzi futhi usebenzise ikhishi lakho kahle.
Hlela kabusha ukuphuma kwakho
Phakathi kwamasu akho okuthi ungayinyusa kanjani imali yohambo, kungasiza ukucabanga kabusha ukuthi uzijabulisa kanjani nabangane bakho.
Esikhundleni sokuchitha endaweni yokuphuzela utshwala, ekhefi, imidlalo yaseshashalazini, noma i-ayisikhilimu, khangisa ukuzijabulisa okushibhile eqenjini labangane bakho.
Emadolobheni amakhulu kuhlale kunemibukiso yamasiko yamahhala noma ebiza kakhulu ebhodini lezikhangiso. Kumele ube nolwazi oluningi futhi usebenzise la mathuba.
Sika intambo yakho yasendlini bese usika ikhebula lakho
Awusakhumbuli ukuthi ugcine nini ukusebenzisa ulayini wasendlini? Mhlawumbe sekuyisikhathi sokusika umugqa bese ugcine imali ethile.
Uchitha amahora amangaki ngosuku kuthelevishini? Zimbalwa? Ngemuva kwalokho thenga uhlelo lwentambo olushibhile noma umane ululahle.
Kungaba isikhathi esihle sokubuyela ekufundeni njengenjwayelo, ukuphinda ufunde izincwadi osuvele unazo, uboleka kumtapo wezincwadi womphakathi noma ufunda izinhlelo zamahhala ngu I-inthanethi.
Susa izindleko ezibabazekayo
Akulona iqiniso ukuthi ukuba nenguqulo yakamuva ye-smartphone kuyinto edingekayo ngokuphelele. Kungamanga ukuthi udinga izingubo nezicathulo ezintsha njalo ngenyanga.
Futhi akulona iqiniso ukuthi izindebe zakho zidinga imibala emihlanu noma eyisithupha ehlukene. Uhambo oluya endaweni yokugunda izinwele lungancishiswa ngaphandle kokubangela inhlekelele ekubukekeni komuntu siqu.
Yehlisa imali oyisebenzisayo
Vala isifutho somoya noma ukufudumeza lapho izinga lokushisa elikuvumelayo likuvumela. Faka izinto ezahlukahlukene kuhhavini bese uhambisa imithwalo egcwele ku-washer nokomisa. Thatha izihlambi ezimfishane.
8. Yenza imali eningi
Cishe sonke sinethalente elingathengiswa ukuze sithole imali ehambisanayo emholweni wethu ojwayelekile.
Noma ngabe usunomsebenzi wesikhathi esigcwele, kuhlale kunokwenzeka ukusebenzisa amahora ambalwa wesikhathi sakho samahhala ukuthuthukisa omunye umsebenzi okhokhelwayo ngaphandle kokunikela ngokuphumula okuningi.
Abanye abantu bangabhala noma bafundise amakilasi olimi. Abanye bangaba oweta ngempelasonto noma abaphathi bezitolo.
Abanye bangathengisa ikhekhe elihlwabusayo abakwaziyo ukwenza, noma banakekele umfana ngesikhathi sabazali bakhe ebusuku, noma basebenze njengomthwebuli zithombe emishadweni nakweminye imikhosi, noma bajabulise le mibuthano njengabaculi.
Akudingeki kube umsebenzi omangalisayo. Kuyindlela eyodwa yokuthola imali engenayo.
9. Hlola umsebenzi wakho wamanje
Kuyamangaza ukuthi bangaki abantu iminyaka eboshelwe umsebenzi ongakhokhelwa kahle kakhulu, ngenxa nje yenhliziyo yabo yokushintsha.
Ngabe ubona sengathi uyisisebenzi esibalulekile nokuthi inkampani oyisebenzelayo ayikuboni ngokwanele futhi iholo lakho liphansi kunelabanye abantu abanomsebenzi ofanayo?
Mhlawumbe manje yisikhathi sokukhuluma nomphathi wakho mayelana nokuthi kungenzeka yini ukwenyuselwa amaholo noma ukukhushulelwa esikhundleni esiphezulu.
Ngenhlonipho mtshele ukuthi ungacabanga ukuthuthela kwenye indawo uma isimo sakho singathuthuki ngesikhathi esifanele. Uma inkampani iyazazisa izinsizakalo zakho futhi yesaba ukulahlekelwa nguwe, izokwenza okuthile ukuzama ukukugcina.
Uma isimo sakho sihlala singaguquki esikhathini esimisiwe, phenya imakethe yezabasebenzi ngokukhethekile kwakho bese ubona ukuthi ukhona yini umsebenzi okuvumela ukuthi wandise imali oyitholayo.
Kungenzeka futhi ukuthi uthole umsebenzi omusha lapho ugcina khona imali yakho ngokusebenza amahora ambalwa ngesonto. Leso sikhathi ozoba naso mahhala singasetshenziswa emsebenzini ohambisanayo womholo.
10. Gcina imali yokuhamba ihlukanisiwe
Imali elondolozwa ngenxa yokwehliswa kwezindleko zokuphila noma lokho okuvela emsebenzini owengeziwe noma ukuthengiswa kwempahla yomuntu siqu kufanele iye kwi-akhawunti ehlukile, enikezwe kuphela esikhwameni sohambo.
Uma yonke imali iku-akhawunti eyodwa, amathuba okusebenzisa ukonga ngezinhloso ezingezona ezokuvakasha andiswa kakhulu.
Kunconywa ukuthi isikhwama sokulondoloza sibe kwi-akhawunti ekhokhelwa inani lenzalo, okungenani ukulondoloza amandla okuthenga emali.
Abanye abantu baze babeke imali kwimikhiqizo yezezimali lapho imali ingeke yahlanganiswa ngezikhathi ezithile, njengendlela yokungakwazi ukuthola ibhalansi ngisho nokuyifuna.
11. Sebenzisa imivuzo ngokuhlakanipha
Iningi lamakhadi esikweletu linikela ngemivuzo ezindaweni ezingasetshenziswa ezindizeni, indawo yokuhlala nezinye izindleko zabavakashi.
Ngu I-inthanethi izindaba ziyajikeleza izinkulungwane zeminyaka abathi bahambe umhlaba ngamaphoyinti nje kumakhadi abo.
Le mivuzo ayinakwenzeka ukuthi ikwazi ukuxhasa ngokuphelele uhambo, kepha iyasiza kakhulu uma amaphuzu etholwe ngokuhlakanipha.
Isidingo esiyisisekelo ukuthi ukuthenga nekhadi ukuthola amaphuzu kuphakathi kwezindleko ezibalulekile nokuthi akubizi kakhulu kunokuthenga ngenye indlela yokukhokha.
Ukuzilayisha ngokweqile kumakhadi wesikweletu ukukhulisa ukuthenga namaphoyinti kungenzeka kungabi umqondo omuhle.
12. Zama ukuthola indawo yokungenisa izihambi
Isimo sokushintshaniswa kwendawo yokuhlala sakhiwa yingosi Ukukhalaza, eyaqala njengenkampani engenzi nzuzo.
Ngalesi simiso, ungahlala mahhala ezweni oya kulo, ngesimo sokuthi ungabamba umuntu ngethuba lakho ezweni lakini, futhi mahhala.
Ngemuva Ukukhalaza Kuqhamuke ezinye izingosi ezizoxhumana nabaqaphi bezindawo zokuhlala.
Uma unethuba lokubamba othile futhi akukukhathazi ukwenza kanjalo, lokhu kungaba yisilinganiso sokukhokhela izindleko zokuhlala ohambweni lwakho.
Thola imali ngenkathi usohambweni
Sebenza eholidini? Kungani kungenjalo? Uma iphupho lakho ukuya eParis ukuyobona UMona Lisa,Yini inkinga yokuthi usebenza amahora ambalwa ekuseni uye eLouvre ntambama?
Le nketho izoncika ekutheni amakhono akho ayini nokuthi kungenzeka kanjani ukuthi uwasebenzise kwelinye izwe.
I-inthanethi inikeza amathuba amaningi okusebenza njenge ozisebenzelayo ukude ukusuka noma ikuphi emhlabeni futhi kuzodingeka uthathe i-laptop yakho noma uyiqashe lapho uya khona. Ezinye izinketho yilezi:
- Umklami we-graphic
- Umsizi we-Virtual
- Izifundo zolimi
- Ukubhala, ukuhlola amaphutha, ukuhumusha nokuhlela imibhalo
- Ezezimali, ezokuphatha kanye ukumaketha
- Ukuthuthukiswa kwe isoftware nohlelo lwekhompyutha
Kuzoya ngamakhono akho. Ungumculi ovelele? Thatha isiginci sakho udlale emgwaqweni omatasa noma emaphaseji esitimela esingaphansi komhlaba.
Ungayonga kanjani imali yokuhambela i-Europe
Zonke izinyathelo zokonga ezindlekweni zokuphila kanye nokwenyuka kwemali engenayo yokwenza isikhwama sokuhamba esidalulwe phambilini ziyasebenza ukuya noma yikuphi.
Uma ulibangise eYurophu, lawa ngamanye amaqhinga amahle wokonga imali yokuhamba uzungeze iZwekazi Elidala.
Hlala ehostela
EYurophu, ukuhlala emahostela kukhululekile futhi kuphephile, uma nje udinga umbhede omuhle nezinsizakalo eziyisisekelo.
ELondon, e-Amsterdam naseMunich ungathola amahostela ngama-20 USD ubusuku ngabunye, eParis ungakhokha ama-USD 30, ama-15 eBarcelona nangaphansi kuka-10 eBudapest, eKrakow nakwamanye amadolobha aseMpumalanga Yurophu.
Phuza iwayini nobhiya kumathebhu we-tapas
EYurophu kushibhile ukuphuza ingilazi yewayini noma ubhiya kunesoda.
ESpain i-tapa iyisikhungo. Kuyisemishi elinikwa ngengilazi. Uma ngabe uhlela ukuphuza iziphuzo ezimbalwa noma kunjalo, isidlo sakusihlwa singacishe sibe mahhala.
Amanzi asemabhodleleni ayabiza eYurophu. Gcwalisa ibhodlela lakho ehhotela bese uphuma nalo.
Yenza uhambo lwangaphakathi nolayini abasezingeni eliphansi
Uma uzothatha izindiza ngaphakathi kwezwekazi lase-Europe, kuzoshibha kakhulu ngemigqa “yezindleko eziphansi” efana neRyanair neVueling. Banemikhawulo yemithwalo.
Zulazula ngezithuthi zomphakathi
Emadolobheni aseYurophu, ukuhamba ngamabhasi nezitimela ezihamba ngaphansi komhlaba kushibhile kakhulu kunokugibela amatekisi noma ukuqasha izimoto.
Ithikithi lohambo olungu-10 kumasipala waseParis libiza ama-16 USD. Ngaleso samba mhlawumbe awukhokhi ngisho nokugibela itekisi eMzini Wokukhanya.
Kuhlelo lwezokuthutha zomphakathi lwaseBudapest (amabhasi nemetro) ungahamba ngokungakhawulelwe izinsuku ezintathu ngamadola ayi-17 kuphela.
EBarcelona uhambo lukamasipala lubiza i-1.4 USD. Kutramu wasePrague ukhokha i-1.6 USD.
Ukuhamba ngesizini ephansi yaseYurophu
Uma ungenayo inkinga ngamakhaza, kufanele ucabangele ukwenza uhambo lwakho oluya eYurophu ebusika, okuyisizini ephansi.
Phakathi kukaDisemba noMashi, isikhathi sasebusika enyakatho Nenkabazwe, izindiza eziya eYurophu nezindleko zokuhlala eZwekazini Elidala (amahhotela nezinye izinsizakalo zabavakashi) zinamanani aphansi.
Isikhathi esibiza kakhulu ukuhamba ihlobo, ngenkathi intwasahlobo nokuwa kungabizi njengasebusika noma kubiza njengenkathi yehlobo.
Enye inzuzo ukuthi ebusika amadolobha avakashelwa kakhulu eYurophu (njengeParis, iVenice neRome) aminyene kakhulu futhi ungakujabulela okukukhangayo ngokukhululeka okukhulu.
Ungonga kanjani ukuze uthathe uhambo
Njengoba sishilo, ukuhamba kungumsebenzi owanelisa ngokuphelele esingeke siwenze kalula kanjalo; Futhi noma kungenzeka ukuthi asinazo izinsiza ezanele zokuhamba njengamanje, kuhlale kunezindlela zokuthola ukuthi ungalukhokhela kanjani uhambo.
Indlela engcono kakhulu yokukhokhela izindleko zohambo ngokwenza amasu alula okonga; Ngokwesibonelo:
Beka eceleni okungenani u-10% womholo wakho noma iyiphi imali onayo.
Gcina zonke izinhlamvu zemali eziyishumi ezingena ezandleni zakho.
Zama ukuthola indlela entsha engenayo (sebenza ezizimele, uthengise izinto ongasazisebenzisi) bese wabela yonke leyo mali ukuhamba.
Kepha uma okufunayo ukuhamba ngokushesha noma usanda kuthola isipho sokuvakasha ongeke usiphuthe kodwa ungenayo imali eyanele, kunendlela elula yokukuthola, naka.
Thola i- imalimboleko ephuthumayo uuku ngcebeleka. Lokhu ngokungangabazeki kuyindlela yokuthola imali ngokushesha futhi kalula yokuhamba.
Imiyalezo yokugcina
Ifomula yokuthi ungonga kanjani imali yokuhamba ilula: phila ngaphansi kancane kwendlela onayo bese ugcine enye.
Akulula futhi ingcindezi yezenhlalo ne-hype kwenza kube nzima kakhulu, ngakho-ke amandla akho kuzodingeka enze umehluko phakathi kwempumelelo noma ukwehluleka.
Iningi labantu abahlulekayo ohlelweni lokonga nganoma iyiphi inhloso (ukuhamba, ukuthenga imoto nabanye abaningi) abakwenzi lokho ngoba akunakwenzeka ukugcina ingxenye yemali engenayo, kodwa ngoba bengenawo amandla okukufeza futhi wanqotshwa izindleko ezingabalulekile.
Kungenzeka futhi ukuthi uyakwazi ukonga kepha akwenele ukwenza uhambo esikhathini esacatshangwa ekuqaleni.
Cishe akukho okuvela ukuthi sasihlele kanjani ekuqaleni. Esikhundleni salokho, uzomangala inani lezinto ezingahambi ngokohlelo. Ungadangali, cabanga kabusha ishejuli bese ulungisa umzila uze ufeze inhloso yakho.
Funda umhlahlandlela wethu wokuthi ungathola kanjani izindiza ezishibhile online kusuka noma yikuphi
Yini enelisa kunazo zonke esingayenza ngemali esiyilondolozile?
Kuzo zonke izinto esingazenza ngemali, ngicabanga ukuthi ukuhamba kuyona okwanelisa kakhulu.
Mhlawumbe kwabanye abantu, izimpahla ezibonakalayo ziyindlela engcono kakhulu yokutshala imali yethu, kepha yize ukuba nendlu nemoto kungasinikeza ukuphepha nokuthula kwengqondo, yiziphi izinganekwane esingazisho ebudaleni bethu?
Yebo, utshalomali olungcono kakhulu ukuhamba, ukwazi izindawo ezintsha, amasiko, izilimi, izindlela zokuphila, i-gastronomy, njll.
Ukukhulisa izinga lakho lamasiko ngeke kukuvumele kuphela ukuthi ube nezihloko ezingcono ezingxoxweni, kepha kuzovula umnyango ozokuyisa kwelinye izinga lenjabulo: jabulela indawo enhle, wazi izithonjana ezibaluleke kakhulu zamadolobha amakhulu, njll.
Lapho usohambweni uzokujabulela okuhlangenwe nakho kwangempela kokuphila, ngoba sikhuluma ngokuhamba njengento edlula ukuhlela iholide lakho elilandelayo noma ukunquma indawo ofuna ukuphumula kuyo.
Sisho ukuhlala ngempela uhambo. Okungukuthi, ukukhuphukela ukufinyelela ezindaweni ezikude, ukuzama izitsha zendabuko ezindaweni ezinesiCreole kakhulu hhayi ezindaweni zokudlela ezinhle. Ngamafuphi, sikhuluma ngokuphila okwenzeka ngempela ekuhambeni.
Ukuthatha uhambo kuyamangaza ngempela ngezindlela eziningi. Kungokuhlangenwe nakho okusibamba ngomuzwa wokuzulazula okusenza silangazelele ngokwengeziwe ukwazi izindawo eziningi nezindawo ezimangazayo okufanele sizazi.
Siyethemba ukuthi uzophumelela ohlelweni lwakho lokonga nokuthi kungekudala uzokwazi ukuvakashela leso siqhingi saseCaribbean noma lelo dolobha laseYurophu, eNingizimu Melika noma e-Asia lapho uzokujabulela ngokugcwele ngemuva kokwenza imihlatshelo ethile enenzuzo.
Yabelana ngale ndatshana nabangani bakho kumanethiwekhi okuxhumana nabantu ukuze nabo bazi ukuthi bonga kanjani imali yokuhamba, kakhulu uma ubuthandile izindawo esikwethulela zona.
