Ukuba kuphela umtshato ngamnye owakhe waya kuwo unexabiso elikhulu elijingayo ukuze ubone ukuba lixabisa malini na—itheko labantu abangama-250 kwihotele entle ephakathi kwedolophu yasePhilly lingajongeka lahluke kakhulu kumntu osondeleneyo nama-50. Ukuthandana kwiiRockies ... okanye kuya kuba njalo?
Ukuba uyazibuza ukuba ungawucwangcisa njani umtshato kuhlahlo lwabiwo-mali, ukuqonda abona baqeshisi abaphambili besicwangciso somsitho kuya kuba ngundoqo ekuncedeni ukuba uhlale kuluhlu lwakho. Umzekelo, unokuba ucinga ukuba ubudlelwane obusondeleyo kunye nokutya okumangalisayo, umculo kunye ne-ambience iya kuba neendleko ezingaphezulu kunokuba, yithi, umntu ongama-400 kwiholo yomsitho-kodwa kuba indawo yakho yokutyela encinci ayenzi mtshato. ukuba rhoqo, akuzange kuxoxwe ukuba loluphi uhlobo lwewayini olukwimenyu kwaye uMalume wakho uPhil wayalela ibhotile ye-vintage Cab eyongezelelekileyo, hmmm , ,000 kwityala.
Ngoko, yintoni engena kuhlahlo lwabiwo-mali lomtshato oluqhelekileyo? Siye sangena nomcwangcisi weminyhadala weSixeko saseNew York UJennifer Brisman , aka uMcwangcisi woMtshato, ukufunda malunga ne-avareji yohlahlo lwabiwo-mali lomtshato kunye neendlela zokuyinciphisa ukuze ukwazi ukwenza imali eninzi kakhulu.
Indlela uHlahlo lwabiwo-mali loMtshato oluhlala luqhekeka:
1. Umrhumo wegosa (1% yohlahlo lwabiwo-mali)
Nokuba utshata kwicawa yobuorthodox, cela umhlobo wakho uChad abhalisele ukuba ngumfundisi kwi-intanethi okanye uzimanye (ewe, unokutshata ngaphandle komntu wesithathu kwiindawo ezithile, njengasePennsylvania), kuya kubakho uhlobo oluthile lweendleko— njengentlawulo yelayisensi yomtshato. Ukuba usebenzisa umfundisi, uBrisman uthi igosa lakho linokukunika ukhetho phakathi kokunikela kwindlu yabo yonqulo okanye umrhumo wenkonzo yabo. Ukuba wenze okwangaphambili, kunokutsalwa irhafu. Iqatshelwe ngokufanelekileyo.
2. Izipho zomtshato (2% yohlahlo lwabiwo-mali)
Nangona kungeyomfuneko kwaphela, kumnandi kakhulu, ngakumbi ukuba itheko lakho lomtshato lingene kwi-bachelorette kunye neshawa. UBrisman ucebisa, nangona kunjalo, ukujongana nale nto kanye ekupheleni kohambo lokucwangcisa nje ukuba uqwalasele izinto zamatikiti amakhulu. Ngale ndlela, awusebenzisi nayiphi na inkunzi onokufuna ukuyibeka kwenye indawo.
3. Iingcebiso kunye nezibonelelo (2% yohlahlo lwabiwo-mali)
Kulula ukulibala ukuba oku kufuneka kube yinxalenye yohlahlo lwabiwo-mali lwakho-ke yiqaphele kwangoko (kwaye uyikhumbule rhoqo). Yicinge njengombulelo ofanelekileyo, uBrisman usixelela, hayi ngomsebenzi owenziwe kakuhle, kodwa ngokuhambela phezulu nangaphezulu. Ukuba umntu usebenzela inkampani, kufanelekile ukuba umcebise; ukuba bayazisebenzela kwaye uyabahlawula, ngokuthe ngqo, oku akucetyiswa kakhulu. Kwakhona, kule meko, i-gratuity ayiyopesenti yeendleko zizonke-ngoko musa ukuziva ubophelelekile ukuba uhlawule i-20 pesenti ithiphu kwi-5,000 yeedola zokufota. Cebisa into ocinga ukuba ifanelekile!
Isine. Izimemo kunye nempahla yephepha (7% yohlahlo lwabiwo-mali)
Zonke izinto zesiko ziyadibanisa, ke uBrisman ucebisa ukuba abathengi bakhe baqinisekise ukuba bayayazi into abaphezu kwayo kwaye banokukhetha: Zininzi kakhulu iindlela ezingabizi kakhulu zokubhalela kunye neempahla zephepha, zombini eziprintiweyo kunye nedijithali. Yenza umsebenzi wakho wasekhaya kwaye uqinisekise ngenene ukuba uyayazi into oyifunayo kwaye uyidingayo kwaye zombini kuhlahlo lwabiwo-mali. Akukho ngqiqweni ukuya kuhlahlo lwabiwo-mali kwizinto abantu abadla ngokuzilahla.
5. Impahla yomtshakazi nomyeni kunye nezincedisi (5% yebhajethi)
Le yindawo enye abantu bahamba ngokugqithisileyo kuhlahlo lwabiwo-mali, uBrisman ubuyela emva kokubona umtshakazi emva komtshakazi ezama ilokhwe ye-$ 10,000 nje yokuzonwabisa aze athandane ngokupheleleyo nayo. Ukuba uzama ukugcina kolu didi gcina engqondweni: Uyinxiba kube kanye kuphela.
6. Ukufota kunye nevidiyo (10% yebhajethi)
Ukuba kukho into enye ekungamele uyikhuphele kuyo, luhlobo olu, utsho uBrisman: Le yindawo enye oza kutyala ngayo ngokwenene. Iifoto zihlala ubomi bonke! Kwaye iividiyo kuphela kwendlela yokubamba umlingo kunye namandla osuku kwaye uyonwabele iminyaka ezayo, ngethemba kunye nabantwana bakho kunye nabazukulwana.
7. Umculo nolonwabo (12% yohlahlo lwabiwo-mali)
Akukho mgaqo unzima kwaye ukhawulezayo ukuba wonke umtshato kufuneka ujike ube ngumbutho womdaniso, kodwa ukuba ufuna ukukhupha ukuhamba, umculo omnandi ubalulekile. Ngaba unexhala malunga nomgca wakho ophantsi? Ukuba uhlahlo lwabiwo-mali lwakho alukwazi ukuthenga ibhendi, i-DJ emangalisayo iya kukwazi ukufunda isihlwele kwaye idlale umculo ochanekileyo ngexesha elifanelekileyo.
8. Iintyatyambo kunye nokuhonjiswa (13% yohlahlo lwabiwo-mali)
Zonke ezo peonies ziya kubiza ngaphezulu- kakhulu ngaphezu kokuba ubucinga. Mamela isilumkiso sikaBrisman: Musa ukucwangcisa kwiPinterest. Fumana impembelelo apho. Loo mifanekiso yokuhombisa umtshato mhlawumbi iphindwe kalishumi kunoko uceba ukuyichitha.
9. Indawo yolwamkelo, ukutya, iziselo nabasebenzi (45% yebhajethi)
Ahhh, izinto ezimnandi. Obu bumama bohlahlo lwabiwo-mali lwakho kwaye luya kuba nefuthe elikhulu kwiqela lokwenyani. UBrisman ucebisa ukuba uzingele kwaye wenze ukhetho oluncinci lokutya neziselo ngokwenene kakuhle endaweni yokuba uzisasaze ubhitye kakhulu kuba iya kubonisa. Cinga ngeyona nto ibalulekileyo kuwe kwaye usebenze ngasemva, utshilo.
Apho unayo-ibhajethi yakho yekeyiki yomtshato enemigangatho elithoba. Kusenokubonakala kungathandeki kangako kunokuba kwakunjalo xa ubuphupha nje emini, kodwa ukuba nengqiqo malunga nenkcitho kuya kukugcina kuzo naziphi na izinto ezothusayo ezantsi emgceni. Yiyo loo nto siphinde sabuza uBrisman malunga neendlela ezigwenxa zohlahlo lwabiwo-mali azibonayo kunye nendlela yokuziphepha.
Iimpazamo zoCwangciso loMtshato eziQhelekileyo eziya kubhuqa ibhajethi yakho:
1. Uluhlu lwakho lweendwendwe luyinjongo ehambayo
Eyona mpazamo ixhaphakileyo eyenziwa zizibini kukujongela phantsi uluhlu lweendwendwe zabo. Ngoko thatha ixesha lakho ukuyakha phambi kokuba ucebe, kuba uluhlu lweendwendwe lunakho kwaye kufanele thatha iiveki ukuya kuthi ga kwiqanda. Amaxesha amaninzi, uBrisman uyafumanisa, uqala ngoluhlu olungqingqwa ngokwenene. Emva koko, uhamba malunga nosuku lwakho lomsebenzi, iimpelaveki zakho zentlalo kunye neefowuni zasebusuku beveki kunye nosapho kuphela ukuqonda ukuba kukho abantu abaninzi ocinga ukuba kufuneka babe kuluhlu. Ke, uyalukhulisa uluhlu ukuze ubone ukuba luziva njani xa luphuculwe, kuphela ufumanise ukuba kufuneka ulucuthe umva ezantsi. Ukufumana loo ndlela yolonwabo ngundoqo. Isisombululo apha kukubona ukuba ungenza mncinci kangakanani ngelixa uhlukanisa uluhlu B.
2. Ukuphepha iincoko ezinzima
Enye yeendlela ezilula zokuhambisa iintlungu eziqhelekileyo zokucwangciswa komtshato kukuba neengxoxo ezingathandekiyo ngaphambili kwinkqubo yokucwangcisa-nokuba zimalunga nosapho, inkolo okanye, ngokuqinisekileyo, uhlahlo lwabiwo-mali. Xa ungathethi ngezi zinto kwangethuba, ziya kukukhathaza xa sele unesigidi sezinye izinto onokuzikhathaza ngazo.
3. Ukungakhi kumqamelo onokuthi kwenzeke ngexesha likaxakeka
Phinda emva kwethu: Kungakhathaliseki ukuba ndicwangcisa kangakanani okanye i-spreadsheet yam ye-Excel ingakanani, ndiya kuba neendleko ezingalindelekanga. Awukwazi ukucwangcisa into engalindelekanga, kodwa wena unako cwangcisa izinto ezingalindelekanga ngokwenza umqamelo wokhuseleko kuhlahlo lwabiwo-mali lwakho. (Ukuwisa imakrofoni.)
4. Ukucwangcisa umtshato wakho kwimidiya yoluntu
Imithombo yeendaba yezentlalo yindawo entle yokuphefumlelwa, kodwa ikwaqaqambile ngemifanekiso emihle yomtshato ngaphandle kokubhekisa kuyo nayiphi na imiqondiso yedola, kwaye uBrisman uzibonile iziphumo: Amehlo ethu makhulu kunezisu zethu. Khumbula ukuba ezi shoti zobuhle zenzelwe ukucofa, ukuthanda kunye nezimvo. Ababonisi indlela eya kumtshato oqhutywa kakuhle kuhlahlo lwabiwo-mali. Kwaye azichazi ‘isibini esonwabileyo.’ Sebenzisa imidiya yoluntu kunye namanye amagqabaza edijithali njengeengongoma zereferensi ukuze unxibelelane nabathengisi malunga nesimbo kunye nombono onawo ngosuku lwakho olukhulu.
Sifumene ngaphezulu kwengcebiso eluncedo ngokwaneleyo kumntu oye izicwangciso imitshato ukuze uziphilise, kodwa kuthekani ngabatshakazi bokwenene nabayeni abathe bahamba kuyo kutshanje? Siye sacela amacebiso okonga imali kunye nohlahlo lwabiwo-mali oluhlakaniphile kubahlobo bethu abaye bahlala ukuze babalise eli bali. Nantsi into abasixelela yona.
Iingcebiso zohlahlo lwabiwo-mali ezivela koomolokazana bokwenyani kunye nabakhwenyana
1. Tsiba imihla yogcino-mali
Jonga, siyayithanda i-calligraphy yesandla kwaye siphakamise ukubhala ngokufana nomntu olandelayo. Kodwa ukugcinwa kwemihla eprintiweyo kuya kukubiza amakhulu ambalwa eerandi (ubuncinci) kwinto obuya kuyenza kufuneka wenze kwakhona Ngomtshato! Ngokuqinisekileyo, zilungile kwaye zintle, kodwa zikwayinto engafunekiyo (kwaye ziyinkcitho, akunjalo?). Endaweni yoko, thumela ugcino oluhle lwedijithali kwisiza esinje Iposi engenaPhepha . Kukho neetoni zokunyuka ukuya kwidijithali: Unokuqokelela ii-imeyile, ukuthumela izikhumbuzo, ukuvumelanisa ukuya kwiikhalenda kwaye ube nokufikelela ngokulula kwiwebhusayithi yakho yomtshato.
2. Yakha iwebhusayithi yasimahla
Ewe, kuya kufuneka ube newebhusayithi yomtshato ukuze iindwendwe zakho zikwazi ukufikelela ngokulula kulo lonke ulwazi ukuze zingakuthumeleli umyalezo wosuku, ibhasi isithatha phi, kwakhona? Kodwa akukho sizathu sokuba hlawula kwiwebhusayithi yomtshato kule mihla-kwaye ewe, oko kubandakanya igama lesizinda kunye nomncedisi! Iindawo ezifana Zola kunye Minted zinika iiwebhusayithi zomtshato zasimahla ezinokwenziwa ngokwezifiso, ezithambileyo kwaye kulula ukuzisebenzisa.
3. Yenza umgaqo jikelele othoba uluhlu lweendwendwe
Inombolo yoluhlu lwakho ngu yonke into . Yazisa imenyu, indawo kunye nohlahlo lwabiwo-mali lwakho lulonke. Ke, umhlobo okrelekrele usixelele ukuba ukwenza umthetho omnye onje ngama-21 nangaphezulu
okanye akukho plus-ones ngaphandle kokuba inzulu ngokwenene yindlela elula ukunciphisa inani lakho ngaphandle kokulimaza iimvakalelo.
4. Boleka isigqubuthelo sakho
Chitha 0 phezu kwesigqubuthelo? Okanye…cela umhlobo osandula ukutshata ukuba aboleke eyakhe. Amathuba kukuba, uya kuthi ewe.
5. Nezacholo zakho
Ukuba uzama ukwenza uhlahlo lwabiwo-mali, musa ukuvuthela imali kwizinto zokugqoka ezinqabileyo. Mhlawumbi uno-anti okanye umakhulu onokuthi akuvumele ngovuyo ukuba uboleke iperi yedayimane okanye amacici eperile ngolu suku lubalulekileyo ebomini bakho.
6. Thenga iinketho ezingezinye kwiiboutique zomtshato ezikumgangatho ophezulu
Njengo IBHLDN , Floravera kunye Imodcloth .
7. Ungalibali iindleko zotshintsho
Ilokhwe yam yayingama-0—ngoko ndandicinga ukuba ndiza kungena ngaphantsi kohlahlo lwabiwo-mali kuyo… de ndifumane ibhili yotshintsho ye-0. Qiniseka ukuba uqwalasela ukuba loluphi utshintsho onokulufuna xa uzama iilokhwe, ulumkisa uTanya, umtshakazi wakutshanje.
8. Ukutshata ngobusuku beveki
U-Anna, umtshakazi wePampereDpeopleny onobutyebi bohlahlo lwabiwo-mali lomtshato, wayene fete yakhe ngoLwesine kwaye wasixelela, ixabisa i-60 yepesenti ngaphantsi kwendawo efanayo ngoLwesihlanu, kunye ne-80 yepesenti ngaphantsi koMgqibelo. Ngokuqinisekileyo, bekuvakala kuhlekisa ukuthi umtshato wam ubungoLwesine, kodwa bekumnandi! Uninzi lwabahlobo bam babenombulelo kuba ndingazange ndibalawule ngeempelaveki kwaye babenokuya emsebenzini ngengomso ukuba bafuna ngokwenene.
9. Buza umfoti wakho ukuba uthini umyinge wabo weyure
Kwaye ke ufumanise ukuba zeziphi iiyure ezibaluleke kakhulu yeyakho. Mhlawumbi akufuneki ube nemifanekiso yokulungisa. Oko kunokonga ukuya kuthi ga kwi-1,000 yeedola, ucebisa uAnna.
10. Qwalasela ezinye iindlela zomsitho
Ukuba umsitho unyusa iindleko ngokweenkwenkwezi kwindawo yetheko lakho lamaphupha, fumana enye indawo yomsitho wakho. Iipaki zihlala zilungile, kwaye zifuna nje imvume, edla ngokuba ngamakhulu ambalwa kakhulu. Central Park yi 0 kwaye yiloo Central Park, omnye umtshakazi wasixelela.
11. Buza ukuba abathengisi bakho baya kwamkela imali eziinkozo endaweni yokuhlawula irhafu
Hayi ukukurhwebesha kwimarike emnyama, kodwa xa irhafu kwindawo efana neNew York iyipesenti ezili-9, oku kunokukongela imali eninzi. Awuyivanga kuthi.
12. Bona ukuba abathengisi bakho baya kukuvumela na ngemali
Imali kunye nawuphi na umthengisi oya kuyamkela, omnye umtshakazi usixelela, kwaye uninzi luvulelekile kuyo. Endaweni yokunika umfoti wam isixa esikhulu semali ngentsasa yomtshato wam, ndasihlukanisa ngeentlawulo ezintathu ezincinci eziphakathi. Ndihlawule ngokupheleleyo kunye neenyanga ukuba ndihambe kwaye ndaziva ndimangalisa ukujonga nje ngokupheleleyo ukuba kuluhlu lwam.
13. Vula ikhadi letyala ngebhonasi enkulu yokubhalisa
Kwaye uhlawule ubuninzi behoneymoon yakho ngamanqaku ( nanga amanye amakhadi angcono kakhulu okuqokelela imivuzo emikhulu )—okanye iholide yonke!
14. Utshintshiselwano ngeefoto zakho zokuthethana ngecwecwe lomtshato
Ngaba ngokupheleleyo isidingo iifoto zothethathethwano? Uninzi lwabafoti bafaka ezi kumaxabiso abo. Ngubani owaziyo? Mhlawumbi ungatshintshiselana ngeefoto zothethathethwano malunga neefoto zokuziqhelanisa nesidlo sangokuhlwa okanye icwecwe lomtshato.
15. Yiphathe kwindawo yokutyela
Ukubamba umtshato wakho kwindawo yokutyela kuthetha ukuba ukutya, ibha kunye nabasebenzi sele bekwindawo. Inokuthi (mhlawumbi) ikuncede uphephe imirhumo yokurenta indawo. Izinto ezimbini omawuziqaphele, utshilo u-Anna omkhulu wohlahlo lwabiwo-mali: Indawo yokutyela iyakucela ukuba ubethe ukutya kunye nesiselo esincinci-esihlala sifanelekile. Kwaye wena kufuneka uqinisekise ukuba indawo yokutyela iyenzile le nto ngaphambili. Awufuni ukuba yihagu kuvavanyo lwabo lomtshato.
16. Funda ukuthanda iExcel
Ngomtshakazi wexesha elizayo uRachel: Nditshata kwinyanga enye ke ngoku bendihlala ngaphakathi kwispredishithi se-Excel. Sinayo yonke into kwi-spreadsheet ngexabiso eliqikelelweyo lento nganye, elona xabiso, sihlawule malini ukuza kuthi ga ngoku, iingcebiso zabo bonke abathengisi bethu, njl.njl. ukuze sikwazi ukugcina umkhondo ngokulula zonke iindleko. Ndincoma kakhulu ukuba ube nomqamelo wokubuyela umva kuba kukho izinto ezincinci ezisisigidi ezivelayo onokuthi ungaziphenduli, njengokuthenga isidlo sakusasa (kunye nesidlo sasemini) kwitheko lakho lomtshato ngelixa ulungiselela kwaye uthatha iifoto.
17. Yenza i-splurge vs. scrimp list
Omnye umtshakazi wamva nje (okwabizwa ngokuba nguRachel) ucebisa izibini ezizayo ukuba zibeke phambili apho zichithe khona ngokufanelekileyo kwaye KULUNGILE ukukrwela, Kum, yayiyilokhwe (bendiyikhupha kakuhle le nto), kodwa oko kwakuthetha ukuba andinakuba nebhendi. (sasino-DJ); kuye, yayiyi-photobooth (wayengu-ADAMANT ukuba sinayo le), ngoko ke loo nto yayithetha ukuba sithengiswe ngemali yeendwendwe (senze i-M&Ms yesiko, kodwa bafumana i-photo strip memento, nayo, ke ipholile?). Umgca osezantsi: Isincedile ukuba sigxile kwinkcitho yethu ngokubeka phambili iindleko kunye ngaphambili.
