NgoLwesihlanu oMnyama: izibonelelo kunye nokungalunganga

NgoLwesihlanu omnyama lusuku olunye olomisiweyo lonyaka lokuthengisa iimpahla ezingenanto ngamanani anomdla kumthengi. Umnyhadala usekwe kwixesha lokuphumla ukusuka kwi23 ukuya kwi29 ngoNovemba kwaye lwenzeka kube kanye ngonyaka.

NgoLwesihlanu oMnyama kwasungulwa oosomashishini baseMelika ngeenjongo zokutsala umdla wabathengi wentengiso kangangoko banakho. Emva kwayo yonke loo nto, ukwazi kwangaphambili malunga nomsitho ozayo, umthengi uya kuba nexesha lokulungiselela umcimbi. Yonga imali. Yabela ixesha lokuthenga.

Ekuqaleni, kwinkulungwane ye-20, iimpahla ezingenanto zathengiswa ngoLwesihlanu omnyama ngexabiso eliphambili, okanye ngexabiso eliphantsi, ukwanelisa umthengisi. Kodwa ngenxa yobunzima beirhafu, oosomashishini bazama ukugcina ubuncinci bemali yokuthengisa, ukuze bangangeni ebomvu.

NgoLwesihlanu oMnyama: izibonelelo kunye nokungalunganga

Ukugcina iimpahla ezingekho semthethweni kwindawo yokugcina izinto ngokuqinisekileyo kukutsala kuphuhliso lweshishini. Kulula ukuba umnini asuse umthwalo onjalo, aguqule iimpahla zibe yimali, kwaye athenge imveliso entsha. Unikwe umda, ngokomndilili, i-20-30% yamashishini amancinci, kunye ne-40-50% yenethiwekhi, ulindele ukuthengiswa ngokulingana. Okwahlukileyo kukuthengiswa kwezixhobo ezibiza kakhulu, iimoto, ubucwebe, iipokotho nezinye iimpahla ezinamaxabiso adlula kwi-1 bar kwikhulu leedola.

Izibonelelo zomthengi zokonga imali ngokuthenga imveliso oyifunayo.

NgoLwesihlanu omnyama kuzisa izinto ezilungileyo ngakumbi kumthengisi. Ukuba ulandela ezinyathelweni zoosomashishini baseMelika, ukuthengisa kuya kuzisa ingeniso ngokulula kunosuku oluqhelekileyo.

• Ukupheliswa kwesitokhwe esisebenzayo. Bazicingele-bathengisa iimpahla, bafumana imali, abathi ke ngoko nangoko bayifaka.
• Ukuthengisa iimveliso ezinxulumene noko. Abarhwebi beevenkile babala iimfuno zabathengi kwaye banikezele ukuthenga iimveliso ezongeziweyo. Kwiifowuni ze-smartphones, ezi zinto zimbozo, amakhadi ememori, izithethi KwiTV - abadlali beendaba. Kwikram-iidaptha. Kwibhatyi ephantsi - umnqwazi kunye nesikhafu. Ukubhiyozela, xa efumana isaphulelo, umthengi unokuvuma ngokulula ukuthatha iimveliso ezinxulumene noko. Iimveliso ezinjalo zihlala zingahambi ngaphaya kwesaphulelo, ke, izinto ezinxulumene nazo zithathwa njengezipho ezivela kwivenkile.
• Ukutsala umthengi omtsha. Apha, isimo sengqondo somthengisi kumthengi sidlala ezandleni. Inkalo yengqondo. Umthengi "ukhonkxwe ukusuka entloko kuye ezinzwaneni", eshiya kuphela iimvakalelo ezakhayo. Ngokwemvelo, emva koLwesihlanu oMnyama, ukuba ufuna ukuthenga okuthile, umthengi ngokuqinisekileyo uya kubuyela esitolo.

Ukungancedi kweenkampani ezinjalo kukungathembeki kwabathengisi. Ukuzama "ukusika imali", ukugcina iveki ngaphambi kokuba kuthengiswe ngaphezulu kweendleko zezinto zabo. Kwaye emva koko benza izaphulelo ezinkulu - 50, 60, 70 kunye ne-80%. Le ndlela yonakalisa ishishini, uxolo, abathengisi abayiqondi le nto kwaye bazimbela umngxunya ngokwabo, bangena kuluhlu lwabamnyama ngonaphakade.