Yintoni malunga nonyaka omtsha osizalisa sonke ngomnqweno wokucoca? Impahla, amathoyizi amadala-yizinto ezilula. (Ukuba isetyenziswa ngobunono, nceda, nceda !) Kodwa njani ukujongana neemfumba kwiimfumba zamaphepha emali? Kufuneka uzigcine ixesha elingakanani iingxelo zakho zerhafu? Kuthekani ngeerejista zetshekhi ezindala kunye ne-stubs yokuhlawula? Sacofa New York Times umbhali othengisa kakhulu kunye nomcebisi wolungiselelo kunye nemveliso UJulie Morgenstern ukusinika impendulo kube kanye.
1. UkuBuyiswa kweRhafu: Iminyaka emi-3
Ngaphambili, iminyaka esixhenxe yayiyingcebiso, kodwa uMorgenstern uthi iminyaka emithathu yanele. Oko kuthetha ukuba lo nyaka umiyo, kunye neminyaka emithathu emva, kodwa wonke umntu kufuneka ahlole nomgcini-zincwadi wakhe ukuze abone ukuba sikho nasiphi na isizathu sokugcina amaphepha erhafu angaphaya kweminyaka emithathu, uyachaza. Eminye imizekelo yabangaphandle: Mhlawumbi uye waqhawula umtshato. Okanye mhlawumbi uthenge indlu ngonyaka ongaphandle komda weminyaka emithathu. Buza umgcini-mali wakho, kodwa ukuba kukho isiganeko esibalulekileyo onokuthi ufune ukubuyela kuso, kunokuba kufanelekile ukuba ubambelele, uMorgenstern wongeza.
Ingcebiso yePro yendlela yokulungelelanisa: UMorgenstern ucebisa ukuseta ifolda enye ngonyaka ngamnye kwaye uprinte ikopi yeerhafu zakho (ucinga ukuba ufakwe nge-elektroniki) ukuba ube nendlu kuloo ndawo. Ezi folda zibamba imbuyekezo yakho yerhafu, kodwa ziphinde zixhase naluphi na uxhuzulo onokuthi ubange ngalo, utsho. Emva koko, ekuqaleni konyaka omtsha, qala ifolda entsha yokufaka onke amaphepha anxulumene nerhafu onyaka njengoko uqhubeka.
2. Iirejista ze-checkbook: Ukuya kwi-10 iminyaka
Ukuba usabhala iitshekhi okanye unerejista ukusuka kwiminyaka ehambelana nerhafu, gcina ezo njana malunga neshumi leminyaka. Iirejista ze-checkbook ziphantse zifana nedayari, uMorgenstern uyachaza. Ayizizo nje ibali lonyaka, kodwa ukuba uzisebenzisa rhoqo, sisibhengezo sokuthengwa kwexabiso eliphezulu okanye iinkonzo ongazigcinanga iirisithi. (Ngaphezu koko, ezi zirekhodi ezingekhoyo ngokwedijithali, oku kuthetha ukuba kufuneka uzigcine ixesha elide.)
Ingcebiso yePro yendlela yokulungelelanisa: Pop iirejista zetshekhi ezifanelekileyo kwifolda yerhafu esebenzayo. (Nayiphi na into esemva ungayifihla yonke kunye.)
3. IMithetho eYilwayo yeNyanga: Ukuphoswa
Ityala lakho lombane. Ingxelo yeselula yakho. NgokukaMorgenstern, kulungile ukukrazula xa ufika. Olu hlobo lwamatyala akwi-intanethi kwaye iziphumo [ukuba kufuneka ubhekiselele enye] zincinci ngokwentelekiso, utshilo. Ungangena lula kwi-Intanethi kwaye ufumanise ukuba uhlawule ntoni kwinyanga ephelileyo-okanye uhlawule ntoni kunyaka ophelileyo.
Ingcebiso yePro yendlela yokulungelelanisa: Cinga ngezinto eziluncedo zokususa kunye nokukrazula ezi zinto-zishiya nje indawo yento oyifunayo ukuba ufikelele kuyo rhoqo, utshilo uMorgenstern.
4. UkuHlawula: Kuxhomekeke
Kuba uninzi lweenkampani zenza i-stubs kwidijithali, ekuphela kwexesha onokulifuna ukufikelela kwikopi enzima kukuba uyasishiya isikhundla sakho. Ukuba oko kubonakala kunokwenzeka, ziprinte okanye zigcine njengeefayile. Okokuqala, kukho ithuba elinamandla lokuya kufuneka uzibhekise ngaxa lithile kwiirhafu, utshilo uMorgenstern. Kodwa kukho ibali apha. Yithi, ubambe imisebenzi emininzi okanye utshintshe imisebenzi rhoqo. Okanye mhlawumbi usebenzela umqeshi, uthathe ikhefu uze ubuyele kubo emgceni. Le yirekhodi yakho kuphela yeenkcukacha ezifana neyure okanye izinga leprojekthi. Bambelela kuyo nayiphi na into ocinga ukuba ungafuna ukuyibhekisa iminyaka emihlanu.
Ingcebiso yePro yendlela yokulungelelanisa: UMorgenstern ungumlandeli wokuziguqulela kwiiPDF kunye nokufihla kwifolda yedesktop.
5. IiNkcazo zeKhadi leTyala: Toss
Akukho sidingo sokubambelela kwezi-enyanisweni, i-paperless yindlela yokuhamba-kuba yonke into ifikeleleka ngokulula kwi-intanethi, utsho uMorgenstern.
Ingcebiso yePro yendlela yokulungelelanisa: Qiniseka ukuba ugcina ikhadi elahlukileyo leendleko zobuqu kunye nelinye lomsebenzi, ukuze ungabinasixa esikhulu sokungazinzisi iirhafu okanye ixesha lenkcitho, wongeza.
6. Zonke iiKhontrakthi: Ngonaphakade
Amaphepha ezezimali anxulumene namaxesha amakhulu ebomini bakho kufuneka agcinwe ngonaphakade, utshilo uMorgenstern. Eminye imizekelo: i-bill yentengiso yendlu, ipolisi ye-inshorensi yobomi bakho, iphepha lokuqala lokuthenga imoto yakho. Shicilela ezi zinto kwaye uzigcine zisesandleni.
Ingcebiso yePro yendlela yokulungelelanisa: Konke malunga nekhabhathi yefayile (okanye ibhokisi yokutshixa yayo nayiphi na into enobuzaza kakhulu okanye ekunzima ukuyibuyisela endaweni yayo).
7. Iirisithi zokuthengwa kwe-Intanethi: Kuxhomekeke
Ngokwe-Morgenstern, kuya kufuneka ugcine irekhodi yedijithali kangangexesha elide ithatha ukuba into yakho ifike. Ewe, kuxhomekeke kubungakanani bokuthenga okanye ifestile yokubuya, unokufuna ukwandisa loo mda.
Ingcebiso yePro yendlela yokulungelelanisa: Ngalo lonke ixesha ufaka iodolo, ufumana isiqinisekiso se-imeyile, ngoko ke ingcebiso yam kukuseta ifolda kwibhokisi yakho yangaphakathi ethi 'i-odolo ibekwe' kunye nethi 'i-odolo ifunyenwe.' Xa into ifika, yisuse ukusuka kwesinye ifolda ukuya kwesinye njengendlela yokuyijonga kwaye ugcine umkhondo.
ENXULUMENEYO: I-12 yeeMveliso eziPhezulu zoMbutho eziya kuTyala iKhaya lakho… kunye noBomi bakho
