Njengoba umhlaba uqala ukuvuleka futhi, ungazizwa unengcindezi yokubuyela "kumuntu wakho omdala". 

Ochwepheshe bezempilo nenhlalakahle baxwayisa ngokuthi ukungaqiniseki nesizungu okubangelwe yilo bhubhane kungahlala nathi isikhathi eside. Ukuzinza kwethu kuvame ukuhambisana nemali, futhi ukukhathazeka ngokwezezimali kufanele kube yinto ebucayi kakhulu kwabaningi bethu.

Noma ngabe kungukukhokha ngosuku lokukhokha kuma-cocktails noma okuthile okubucayi ngokwengeziwe, kunezindlela zokwenza izinguquko nokusiza ukugcina lokho kukhathazeka okusalele kungasuki engqondweni yakho. 

Uma Uzizwa Unecala Nje

Mhlawumbe ungomunye wama-20% weBrits agcine ngaphezulu kokujwayelekile ngokuvalwa. Izindleko zokuhamba, ukudla ngaphandle, kanye namaholide kungenza ngokungazelelwe iqanda lesidleke. 

Kungenzeka ukuthi umangazwe ukonga kwakho futhi ufuna ukuqhubeka nalo mkhuba, noma mhlawumbe usebenzise le nkululeko yezezimali njengento ethile yokubhekana nesimo. I-pizza eyodwa kakhulu, noma i-oda lezingubo lokuthi “lapho sonke singaphuma futhi” ... sonke besikhona.

Okokuqala, kufanele ukwamukele ukuthi ezinye izindleko zizobuyela emuva, noma ngabe uyayithanda noma cha. 

Okwesibili, ufanelwe ukwelashwa! Sisesibekweni esiwumqedazwe, futhi akuyona yonke into edinga ukushukunyiselwa kude ukuze kufinyelele “ezikhathini ezijwayelekile”. 

Lokho kusho, akukaze kube ngumqondo omubi ukusika imikhuba engenamsebenzi ebhulini. Nazi ezinye iziphakamiso zokuhlola kabusha indlela osebenzisa ngayo imali, noma unciphise icala lokuphuma: 

Yithi cha ku-FOMO

Lesi sinzima: izinyanga zokugcina eziyi-18 zisifundise ngaphezu kwanoma yini ukuthi isikhathi siyigugu, futhi izinjabulo ezincane yizona ezakha izimpilo zethu. 

Kwabaningi, ukusebenzisa imali kokuhlangenwe nakho kubaluleke kakhulu kunakuqala okwenziwe ngaphambi kwesikhathi: leyo mali yokuqeqesha ukubona isihlobo ikufanele ngokungazelelwe. Leyo khonsathi nje? Kungenzeka kungaphinde kwenzeke.

Njengoba ikhalenda liqala ukugcwaliswa, kungaba nzima ukuthi cha ezinhlelweni. Ungazizwa unecala ngokwala abangane; phela sekuphele unyaka uhleli ekhaya. Kepha igagasi lemisebenzi ehlehlisiwe - amaphathi okuzalwa, imishado, iziphuzo nabangani - kungashiya wena ne-akhawunti yakho yasebhange nizizwa nidiniwe.

Kuyafaneleka ukusungula umehluko phakathi kokuthi yimiphi imisebenzi eholwa isilingo noma ingcindezi, nokuthi yini ezokusiza wena noma othandekayo. Ingabe ukwesaba ukuphuthelwa kuzophela ngesikhathi sokulala? Noma uzozisola ngempela ngokungahambi? 

Sonke sinezimbiza ezahlukahlukene zesikhathi, amandla, isabelomali, nenhlalakahle - kwesinye isikhathi kufanelekile ukuthatha okuncane kulokho ukuze kube nomcimbi obaluleke ngokweqiniso. 

Thola ukonga ngemisebenzi

Lokhu kusiholela kuthiphu elandelayo. Kwesinye isikhathi awufuni nje ukuthi cha ezinhlelweni.

Ngenkathi iningi lethu lifisa ukubuyela futhi, ukukhiya akudingeki kube yisikhathi esilahlekile. Impela, akekho umuntu ofuna ukuzwa amagama athi "Zoom meeting", kepha kuneminye imikhuba yokudala esiyakhe kulo nyaka esingayenza empilweni yangemva kokuvaleka.

Isidingo "sokwenza okuthile" singaba nezimbangela nezisusa ezahlukahlukene. Bala ukuthi yiziphi lezi, bese uzisebenzisela inzuzo yakho: 

• Ngabe udinga ukuba nomphakathi? Ngena ezingubeni zakho ezinhle futhi umeme abangani bakho ubusuku bonke obunetimu. Dala inkantini yakho yangakini; bamba "ukunambitha iwayini" lapho wonke umuntu eletha ibhodlela; noma umsele wokuthatha bese uhlobisa i-pizza yakho. 

• Ufuna ukuphuma ngaphandle? Kungenzeka ukuthi ukhathele ipaki ngesikhathi sokukhiya phansi, kepha ukuyishintsha kungenza umehluko. Sesha iwebhusayithi yomkhandlu wangakini nakuzinhlelo zokusebenza ezifana UKomoot ngokuhamba okuseduze okucaca kancane - futhi mahhala. 

Uma ungesabi ukungcola futhi ufuna ukusiza umphakathi wakho, amaqembu endawo e-Facebook avame ukukhangisa imicimbi yokuzithandela eyodwa njengokukhetha udoti nemizamo yokulondolozwa. 

• Ingabe ufuna ulwazi olusha? Isici semicimbi ye-Facebook kungenye indlela yokweqa imikhuba ebizayo nokuthola ezinye izindlela zesabelomali esiphansi sokuzijabulisa. 

Ungathola imicimbi yokupha noma izinkulumo zemfundo, kanye nezikhathi zobuciko, amakilasi okudansa, ubusuku bemidlalo, noma amaqembu ezenhlalo noma okusekela abantu abanomqondo ofanayo. Lapho le micimbi ishibhile noma imahhala, uzoba necala elincane oluzifaka entweni entsha.

Futhi-ke kukhona uhlangothi olungajwayelekile nolumangalisayo. Kwazi bani - i-geocaching noma i-ironing eyedlulele ingaba eyakho nje. 

• Uyakuthanda ukwelashwa? Kulungile! Kwesinye isikhathi akukho okuqhathaniswa nohambo "olufanele" oluphumayo. 

Thembeka kubangani nomndeni wakho; maningi amathuba okuthi bazoba semkhunjini ofanayo. Abangane beqiniso bazobeka ubukhona bakho ngaphezu kwesabelomali sakho, futhi ungakwazi ukuqoqela ukuthenga okwabiwe. Ingxoxo evulekile izosiza abantu ukuthi baqonde ukuthi kungani ungasebenzisa imali ngokwehlukile futhi ikuvimbele ekuzizweleni lapho uphika noma ufaka amabhodlela ezintweni. 

Bona ukuthi ungakwazi yini ukonga ezintweni ongafuni ukuzishiya. Isitimela unebanga lamaphasi lokonga imali kwezokuthutha. Iningi labantu liyazi nge-Youngcard's Railcard (yonga ⅓ kuyo yonke imali yokugibela izitimela) kepha kukhona abanye ongazuza nabo. 

I-The Two Together ithengela abantu ababili abanegama abahamba ndawonye. Umndeni Nabangane bonga ⅓ abantu abadala abangafika kwabangu-4 abahamba ndawonye, ​​kanye nesaphulelo esingajwayelekile esingu-60% ezinganeni ezingaphansi kweminyaka engu-16 nabo. 

Idlula njenge Ithemba Likazwelonke futhi Amagugu esiNgisi kungahle kubonakale kubiza ekuqaleni, kepha bazozikhokhela ngohambo oluthile. Banikela ngonyaka wokuvakasha okungenamkhawulo ngemuva kokuthenga futhi abantu abasha, imibhangqwana, nemindeni bangathola ezinye izaphulelo. Ngisho namadolobha akhiwe kakhulu anezindawo zomlando ezinokuthula okumangazayo - futhi ukungena emvelweni kungenye yezinto ezinhle kakhulu zomqondo okhathazekile. 

Njengokunye okungeziwe, ubulungu be-English Heritage bungathengwa ngamaphoyinti weTesco Clubcard kuma-3x inani lawo langempela.

Yeka ukulandela, ungalandeli, ungalandeli

Izinguquko ezincane ziyisihluthulelo uma uthola ukuthi imikhuba yakho yokusebenzisa imali iqhwaqhwa. Ukuthenga ku-inthanethi kuyisitha sabaningi bethu uma kuziwa ekongeni imali ngemuva kokuvalelwa phansi - konke lokho amadili alingayo khona lapho.

Yilapho udinga ukuba nonya: ungalandeli imikhiqizo yomgwaqo ophakeme ku-Instagram. Zikhiphe ohlwini lwama-imeyili wokumaketha nezaziso. Landa i-block blocker. Sula amakhukhi agcina imininingwane yekhadi lakho futhi akuvumele uthenge ngokuchofoza okukodwa. Ngeke uthambekele ekuchitheni ngaphandle kwesilingo sokuzuliswa ebusweni bakho ngaso sonke isikhathi. 

Kwesinye isikhathi, injabulo yokusebenzisa imali iyajabulisa njengokuthenga uqobo. Uma unokuthile enqoleni yakho yokuthenga futhi usola ukuthi awuyidingi ngempela, zama ukudlulisa izindleko ngqo zaleyo nto kwi-akhawunti yokulondoloza. Uzothola ukushesha okuncane kwe-dopamine kusuka "ekusebenziseni".

Lokhu kungasetshenziswa ekuthengeni okuncane, okunamandla njengokudla okulula namakhofi, nakho. Ekupheleni kwenyanga, bona ukuthi usebenzise malini, bese uhlola ukuthi ubalahle kangakanani kaningi. 

Uma Izinto Zilukhuni

Ngenkathi wonke umuntu enecala lokuthatha i-lockdown noma ezimbili, kubalulekile ukuthi ungathathi kalula inkinga yezimali abanye bethu ababhekene nayo. 

Ngokusho kukaStatista, Imisebenzi eyizigidi eziyi-11.6 yaxoshwa ezinyangeni eziyi-18 ezedlule. Labo abanezinkontileka zehora eliphansi baye bathola kanzima emiholweni yabo ejwayelekile. 

Kungenzeka ukuthi uke waba nezinkinga ngokungasebenzi, ukuzisebenza, izindaba zezempilo, ukuzibophezela ekunakekeleni, ushiye ngenxa yosizi noma impilo yengqondo, izindleko zemfundo, noma izinzuzo zilungisiwe. 

Lokhu kube kubi kakhulu futhi kungenakugwenywa ngokuphelele, futhi kungahle kube nomthelela ekukhathazekeni kwezezimali ngezinga elibi kakhulu. 

Shintsha isabelomali

Lona ngumsebenzi, kepha uyadingeka. Thola ispredishithi bese ubeka imephu kukho konke ojwayele ukukusebenzisa ngenyanga. Hlaziya izitatimende zakho zasebhange - ungaqageli nje. Ezinye izigaba ezinhle okufanele ziqale yilezi:

• Ezezindlu (irenti, imali ebanjiswayo, intela yomkhandlu, umshuwalense, izikweletu nezinsiza ze-Intanethi);
• Imoto noma isithuthi somphakathi (semoto lokhu kungafaka uphethiloli, umshuwalense, intela, noma izinkokhelo zenyanga uma unohlelo lokukhokha);
• Ukudla;
• Ukunakekelwa kwabantwana, izindleko zomndeni, noma imfundo;
• Inkontileka yocingo;
• Okubhaliselwe (i-Amazon, iNetflix, iSpotify, njll);
• Ikhadi lesikweletu noma ukukhokha "emuva kwesikhathi", uma kusebenza;
• Ukunethezeka (ukuhamba, ukuyothenga, ukudla neziphuzo).

Ukubona izinombolo kungaba nzima, kepha uzoba nombono ongcono wokuthi ungaqina kangakanani nokuthi ungaba nomusa kangakanani ezindaweni ezingadingekile. Mhlawumbe i- £ 10 yokubhaliselwe kwe-TV ingaya kwenye indawo; mhlawumbe usebenzisa imali ethe xaxa kwezokuthutha njengoba sihamba futhi. 

Beka izinkokhelo zakho kuqala. Uma unezikweletu eziningi, funa lapho uthola khona inzalo enkulu futhi ugxile ekukhokheni leyo mali kuqala. 

Buyisela imali

Ezinye izinkampani zinikeza izaphulelo kwizindleko zansuku zonke, njengomshuwalense wemoto ngenkathi abantu behamba kancane. Ungathola ukuthi ufanele ukubuyiselwa imali ethile uma ulahlekelwe yimali kumaphasi ezokuthutha ngenxa yokuhamba okunqunyelwe. 

Ukufinyelela i-akhawunti yakho eku-inthanethi kulawa masayithi noma ukubiza oxhumana nabo imvamisa kuyindlela engcono yokwenza lokhu, ngoba akunakwenzeka ukuthi bakusukele ngakho. 

Ungase futhi ukwazi funa intela emuva uma uphoqelelwe ukusebenza ekhaya ngenxa yemikhawulo - noma ngabe usuku olulodwa kuphela. 

Qiniseka ukuthi uyazi imikhonyovu, noma kunjalo. Ngokudabukisayo, lesi yisikhathi sokuqala sabakhwabanisi ukusizakala. Iseluleko Sezakhamizi inemininingwane eyengeziwe ngamanga avame kakhulu avele ngonyaka odlule, nokuthi uwabona kanjani. 

Iba nomusa

Kwesinye isikhathi asikho nje isisombululo esisheshayo sezinkathazo zakho. Ukuwa kwesimo esinjengalesi okungekho noyedwa wethu owake wabhekana naso, ngakho-ke, nakanjani, awusoze waba nokulawula okuphelele empilweni yangemva kokukhiya ekuqaleni. 

Lapha kulapho kungena khona icala. Ukwanda kwamahora okusebenza ukwenza isikweletu kungakushiya unganaso isikhathi nabangane noma nabalingani bakho. Ukuseshwa kwemisebenzi okubonakala kungapheli kungakwenza uzizwe sengathi wenza okuthile okungalungile. Ukuvela kubhadane lomhlaba wonke ukubona abangani bakho bebonakala befanelekile, becebile, futhi beneliseke kakhulu kunakuqala ... lokho kuhle, kepha kungahle kungabi nguwe.

Kubalulekile ukukhumbula ukuthi ukubaluleka kwakho akukhona emandleni akho okusebenza noma wokuthenga izinto ezinhle. Ubungeke uthethise umngane wakho ngokuba nezinkinga zemali, ngakho-ke zama ukuthi ungenzi okufanayo nakuwe. 

Nguwe ohamba phambili

Zama ukwaba noma isiphi isikhathi ongasisebenzisa ukugxila kuwe kuphela. Chitha isikhathi sekhwalithi nawe ngendlela obungathanda ngayo nomngani - zivumele ukunaka kwakho okuphelele ngaleso sikhathi, noma ngabe kuyimizuzu eyishumi kuphela. 

Yenza okusemandleni akho ukugcina inqubo yakho yansuku zonke, futhi uqiniseke ukuthi uvuka, uyadla, futhi uphumela ngaphandle ngokwanele. Ukuphatha kulungile - kodwa unake ukuphuza kwakho utshwala nokusebenzisa imali. Lokhu kungabonakala njengokuncane, kepha kuyizindlela zokuziphatha ezivamile zokuvama ngisho nakubantu abajabulayo nabahle ngezikhathi ezinzima. Uma ubona sengathi kunzima ukuyeka, khuluma nomuntu omethembayo noma omunye wemithombo yosizo ngezansi. 

Uma unenkinga

Ukukhathazeka ngokwezezimali kungaba nemiphumela emikhulu empilweni yethu yansuku zonke. Yize iningi lethu lisemkhunjini ofanayo, akufanele uzizwe sengathi kufanele uqhubeke nalo. Ngokungafani nokukhathazeka okujwayelekile, kunembangela ethile, okusho ukuthi idinga ukusetshenzwa ngokuhlukile.

IsinyatheloChange iyinhlangano esiza abantulayo enikeza iseluleko samahhala, sesazi sesikweletu kunoma ngubani. Bangatholakala kwiwebhusayithi yabo, ocingweni lwabo losizo lwefoni ku-0800 138 1111. 

Imali Yomsizi Ithuluzi Lokuzulazula Imali iyisevisi yezimali eyenziwe yaba ngeyakho lapho ungafunda khona ukuthi ungahlala kanjani phezulu kwezikweletu zakho phakathi nobhadane, futhi uthole ukwesekwa okwengeziwe. 

Uma unezinkinga nomqashi noma imali onelungelo layo, Iseluleko Sezakhamizi kungasiza. 

Yenkonzo yamahhala yokukhuluma eyimfihlo, AmaSamariya inganikela ngezinsizakusebenza zempilo yakho yengqondo - noma zingaba yindlebe elalelayo kuphela uma uthanda. Zingezinye zezinhlangano ezinkulu zokuvikela ukuzibulala kanye nezinhlangano zokuxhasa ezise-UK. Futhi zinohlelo lokusebenza lapho ungalandelela khona imizwa yakho, uthuthukise uhlelo lokuphepha, futhi ufinyelele kuzinsizakusebenza kanye nemisebenzi ukukusiza ubhekane nakho. 

Ngenhlanhla, ukukhathazeka kwezezimali kungadlula njengoba isimo sakho sithuthuka, kepha kufanele ngaso sonke isikhathi kubhekwane ukukugcina kahle futhi usendleleni. Izinsizakusebenza ezingenhla zikhululekile ukusetshenziswa futhi ziyatholakala ngo-24/7, kepha ungaxhumana neGP yakho uma uzizwa ukhathazekile njalo noma ukuthola kunzima ukubhekana nakho. Uma use-UK futhi ukhathazekile ngempilo yakho esheshayo, shayela i-NHS Direct ku-111.