Izinkonzo zokungena ziyilungise ngokuphelele indlela esiyisebenzisa ngayo imidlalo yokuzijabulisa, inikeza ukufinyelela ngokungena ngokuthula emtatsheni omkhulu wamabhayisikobho, uchungechunge, imidlalo ephilayo, nomculo. Ikhaya elivamile lase-U.S. manje likhokhela amapulatifomu amane noma ngaphezulu, uhambo ngalunye oluya kulo siqu. Nakuba okuqukethwe kungakhanga, uhlangothi lwezimali lungaphazamisa ngokushesha: ukulingwa okukhululekile okuguqukela buthule emapulani abizayo ngenyanga, okungasetshenziswa kakhulu imishini yokuhlola intengo, kanye nentengo yokwehla kwemali kushelwa kuze kufike isikhala sekhadi lokuthenga ngesikweleti. Ukusondela okuqinile ekuqondiseni ukuphathwa kwencwadi yokukhokhela kungasindisa amakhulu amadola ka-irandiwe futhi kuxolise ukunga okunga ngokungalindele.

Izindleko Zangempela Zokukhala Kwezikhokhelo

Umshini wokubhalisa uhlanganisa izindleko eziphindaphindiwe ezizwa sengathi ziwubala kodwa zihlangene zicindezela imali esetshenziswayo. Icebo lomculo elingu $10.99 lapha, umshini wevideo lapho. Ngokuphazima kweso i - R5,49 uyanyamalala ngenyanga. Ngokwenhlolo yamuva nje, abathengi abangamaphesenti angu-3 bayavuma ukuthi baye balahlekelwa yikhokha okungenani ifomu elilodwa kodwa abaqhubeka belikhokhela kodwa bangalisebenzisi. Inkinga enyukayo ngenani laminyaka yonke: amapulatifomu ngokuvamile alungisa izindleko nge - dollar noma ezimbili, alingana nokunganaki kakhulu uma ekhona ezinkonzweni eziningi.

Ngaphandle kodoti ongaqashelwanga, lokhu kubangela ukucindezeleka kwengqondo. Kukhona ukwesaba ukubukeza isitatimende sebhange, umuzwa wecala wokuthola izimali ezingasetshenziswanga, nokudideka kwezinsuku zokuvuselelwa kwemikhondo ezisakazeke ezindaweni ezihlukahlukene. Ukubheka ukukhokhela ukukhokhela imali njengesiko eliyinhloko lokukhokhela imali yakho siqu, noma ukukhokhela umshuwalense wakho wesikweletu.

Isinyathelo Sokuqala: Hlakulela UmBhalo Ophelele

Ngaphambi kokuba ukwazi ukwenza kahle, udinga inani eligcwele. Ukuthembela enkumbuloni iyodwa kuyindlela yokuqondisa.

  • Izitatimende zamakhadi okuthenga ngesikweleti: Ukufaka ufakela ufakela izinhlu ezinyangeni ezintathu kuya kweziyisithupha zokugcina ukukhokhela izikhalo eziphindaphindwayo. Qaphela ukuthi amagama abathengisi angase angafanelani nohlobo oluphumayo; indawo yesikhulu ingabhalisa ngenkampani yabazali noma umkhokheli.
  • App gcina izikhokhelo: OOS, hamba ezihlelweni > I-Apple ID > Izikhokhelo. Ngo-Android, vula iSitolo somdlalo > amabhakathisela nokukhokhela. Zombili zinikeza uhlu oluhlangene lokuthenga-app novuselelwa.
  • Izinqolobane zeposi: hlola ibhokisi lakho lamathi "Ungathola," "Receitt," "isikhokhelo sakho," ne"isiphelo se-Email" izinkonzo eziningi zithumela ama-imeyili angangcwatshwa kalula.
  • Isisetshenziswa esihlolayo: ITV ehlakaniphile, i-Ruku, i-TV yomlilo, ne-Chromestpast ivame ukukhomba izikhokhelo zabo noma iziteshi ezikhokhela ukuphuma ezitolo zezinhlelo.
  • Ingxenye yomkhaya:[ Uma uhlanganyela indlu, buza abanye ukuthi basayine nganoma yini besebenzisa indlela eyodwa yokukhokha.

Ibhalwe yonke into endaweni eyodwa. Ishadi elilula lisebenza ngokumangalisayo: igama lenkonzo yokulandela umkhondo, inyanga noma unyaka, izindleko, ukubhalisa usuku, indlela, kanye nesilinganiso sokusebenzisa. Kulabo abakhetha i-apps, izinkonzo ezinjenge Imali [ ngokuzenzekelayo ihlola ukukhokha okuphindwayo nokuthumela izixwayiso. I-mfihlo ehlola umkhondo wemisebenzi efana Izimali [[FLT]]

Isinyathelo Sesibili: Hlela Izinkonzo Zakho Futhi Uzibeke Phambili

Uma usunohlu oluphambili, izikhokhelo zeqembu ngohlobo: ukugeleza ngevidiyo, umculo, ukugembula, izindaba, ubungqabavu, ukugcinwa kwamafu, kanye nendawo engaphakathi (amakilasi, izincwadi zokulalela, njll.). Lokhu kuqokomisa ngokushesha ukuphindaphindwa. Umkhaya owodwa ungakhokha kanye kanye kanye nge-Netflix, Hulu, Max, Disney+, kanye ne Apple TV +. Buza ukuthi yimaphi amapulatifomu anikeza ngempela ukuthi awukhombi nxawa noma ungakwazi ukungena kwenye indawo, futhi i-injini evele emsindweni we-ingini.

Dala uhlelo oluza kuqala oluyisiqephu:

Isinyathelo 3: Ukugcwalisa Isimiso Sokuthungatha Nokukhumbula

Inkumbulo yomuntu iyalahleka, ngakho yakha imishini elandela izinsuku zakho zokuvuselelwa. Indlela elula kakhulu yikhalenda: yenza izenzakalo eziphindaphindayo izinsuku ezimbili ngaphambi kokuba usuku ngalunye lubhalwe ngesaziso. Leka isenzakalo ngegama lenkonzo nenombolo yocingo eqondile yokucima. Lekhalenda elilodwa liba isikhungo sakho sokuyala izikhokhelo.

Izinhlelo ezinikezelwe zinikeza imishini ecebile. Imali ixhumene nebhange lakho, ikhomba izikhokhelo, futhi ingaxoxa ngisho nezinkonzo eziphansi noma zisule kuwe. Mint[ ihlanganisa izikhokhelo zemali yakho ebhajeni, inikeza isithombe semali ebanzi. Ama-packette ahlanganisa izikhokhelo ezakhiwe ngemibhodi; hlola i-mnyaka yakho ukubona uma lesici sikhona. Ithuluzi olikhethayo, kufanele linyuse ingqikithi yakho ngenyanga yonke, unikeze isithombe semali esibanzi.

Isinyathelo 4: Beka Uhlelo Lokusebenzisa Imali Olusetshenziswayo Futhi Unamathele Kulo

Bheka imiphumela yakho yokuhlola izindleko zemali bese unquma ngesembozo esinethezekile sanyanga zonke (say), R40) esihlanganisa zonke izikhokhelo ze-adic. Uma noma isiphi isici esikhangayo sivela epulatifomu engadindwanga, uyokwazi ukuthi kudingeka uvale okuthile okungalingani nokungalingani.

Izinkonzo eziningi zivuza izibopho zaminyaka yonke ngenani eliphansi lenani elingu-10% kuya ku-25% uma kuqhathaniswa nemali ebhaliswayo nyanga zonke. Uma umnyango wezomfashini ufanelana nenqubo yakho yokusebenzisa isikhathi eside, ukukhokha minyaka yonke kungaveza imali egciniwe yangempela. Kodwa gwema ukukhokha unyaka ngaphandle kokuba ubulokhu uyisebenzisa le nkonzo izinyanga ezimbalwa; ukukhokha unyaka wonke wokunganaki kuyisicupho esivamile. Sebenzisa amalungiselelo angokonyaka wonke ahlelelwe abasebenzisi abaningi, lapho intetheleko yemali ekhokhwayo.

Isinyathelo 5: Hlakulela Ubuciko Bokuhamba Ngezintambo

Abantu bavame ukunqikaza ukucisha ngoba bakubona njengokungalawuleki. Eqinisweni, izinkonzo eziningi eziphambili manje zinikeza ama-parteal acwebileyo e-internet artication, ngokuvamile ezihlelweni ze-akhawunti. I-Federal Trade Commission ihlongoze “ chofoza ukucisha” umthetho ozodinga izinkampani ukuba zingawafaka njenge-sayina. Ngaphambi kokuba uthathe inkonzo entsha, funa ngokushesha [igama le-Foctive] ukuvala i-sekhi yosizo. Uma ihilela izingcingo zocingo noma izithiyo ezifihliwe, iqhathanisela esinqumweni sakho sokukhomba.

Uma ucisha, njalo gcina isithombe-skrini sekhasi lokuqinisekisa noma i-imeyili eqinisekisiwe. Le dokhumende ibaluleke kakhulu uma impikiswano iphakama kamuva. Khansela izinsuku ezimbalwa ngaphambi kosuku lokuvuselelwa, hhayi ngosuku ngokwalo, ugweme ukubambezeleka kwesikhathi noma ukuhlelwa kwezinto okungabangela ukukhokhelwa okungalindelwe.

Qaphela “inani lokungagunyazi” ukuncishiswa. Ezinye izinkonzo ziphakamisa inani eliphansi ngesikhathi uhlehlile. Nakuba ziheha, lezi zibonelelo zingakubamba emjikelezweni wokuvuselela inkonzo ongayidingi. Yamukele kuphela uma inkonzo ivumelana ngempela nemigomo yakho yamanje nenkathi encishisiwe ihlanganisa ipulani eliqinile.

Isinyathelo 6: Ukubhekana Novivinyo Lwesihle Nokuzethemba

Ukulingwa okukhululekile kuhlala kungumthombo ophezulu wezikhalo ezingalindelekile. Ukuhlola kwezwe lonke kwathola ukuthi cishe amaphesenti angu-70 abathengi athenjiwe ngemva kokuqulwa kwecala mahhala ahlose ukuyeka. Isimo esivamile: sayina ikhadi lokuthenga ngesikweletu, sithembisa “ukungakhokhi kuze kuphele icala.” Ukuphila kuyangenela, futhi izinsuku eziyisikhombisa noma ezingu-30 ziyahwamuka.

Naka i-zero-screen sess ment yalo lonke uvivinyo. Ngokushesha ngemva kokusayina, misa isikhumbuzo socingo ngosuku olulodwa ngaphambi kwesiphelo. Okungcono futhi, cisha icala khona kanye. Izinkonzo eziningi zikuvumela ukuba uqhubeke usebenzisa lezizici kuze kube yilapho inkathi iphela ngisho nangemva kokucima, ngaphandle kwengozi yokuguqulwa kwe-auto. Bheka i-printus. Uma ithi “i-ancel noma nini ngaphambi ko [usuku] futhi uphumelele ukungesheshiswa,” ngaphambi kokuba uphinde uthathe i-cencence iphephile.

Empeleni amakhadi okuthenga ngesikweleti noma amakhadi okushisa asuka ezinkonzweni ezifana ne Privitacy.com yengeza ulwelwesi lwesivikelo. Ungadala ikhadi ngesilinganiso esiqinile semali elisetshenziswayo noma ulivale ngemva kokusetshenziswa kwemoto eyodwa, ukwenze kube nzima ngenkampani ukukukhokhisa kamuva. Akuwona wonke umthengisi owamukelayo, kodwa uma ekwenza, uyisivikelo esinamandla.

Isinyathelo 7: Ukuhlanganyela Komkhaya, Ukubhodla, Nezinqubo Ezihlukile

Amapulatifomu amaningi anikeza amapulani omkhaya noma iqembu anciphisa kakhulu izindleko zomsebenzisi ngamunye. Ipulani elivamile le-Netflix Premium lisekela imifudlana emine ngesikhathi esisodwa futhi lingahlanganyelwa ngaphakathi komkhaya. Icebo likaSpofinde, icebo lomkhaya kaYouTube Premium, nelomkhaya wase-Amazon lonke linikeza imali egciniwe. Limane nje liqinisekise ukuthi ilungiselelo lakho linamathela kumagunya esiteji, ngokuvamile elisho ikheli elilodwa lendlu.

Yibe semibhoshongo ye-telecom. I-Verizton, T-Mobile, ne-AT&T ivame ukuhlanganisa izikhokhelo zokugoqoza (Disney+, Hulu, Apple TV+, Netflix) kucingo lwazo noma amapulani asekhaya ngaphandle kwezindleko ezingaphezulu. Bheka i-internet yakho ye-perks; kungenzeka ukuthi kakade usukhokha inkonzo ongayikhokhela ngesihle. Ngokufanayo, amakhadi okuthenga ngesikweletu anikeza izikweleti ngokunikeza izikweleti ngokuphuma, ngokuphumelela uhliselayithisi wenethi ngaphandle.

Isinyathelo 8: Sebenzisa Izindlela Zokunikela Ngokuzinikezele Nesixwayiso Sesikhathi Sangempela

Ukukhetha ikhadi elilodwa lokuthenga ngesikweleti kuphela ngesikhokhelo esiphindwayo. Lokhu kuhlukanisa izikhalo eziphuma ekusebenziseni imali nsuku zonke, kuzenze zibonakale ngokushesha emazwini anye. Kubuye kufake ukuhlolwa kokukhwabanisa; uma lelo nani lamakhadi lihlehliswa, kudingeka kuphela ukuvuselela izikhokhelo kunokuhlanganisana okuningi nokukhokha izimoto.

Phumani ezixwayiso zethengiselwano zalelokhadi. Amabhange amaningi angathumela isaziso esicindezelayo noma i-SMS nganoma yiliphi isheya. Lokho kubhalisa lapho isikhokhelo sibuyiselwa njengesikhumbuzo sangempela. Ngokuhamba kwesikhathi, uzoqaphela imiklamo, futhi noma isiphi isikhangiso esinesibhamu esingekho esindanisweni, kunyuke ngokushesha.

Isinyathelo 9: Yenzani ukubukeza Kwesikhokhelo Sama - otercalyption

Yakha ukuhlelwa kwesikhokhelo ekhalendeni lakho njengesenzakalo esiphindaphindwayo njalo ngemva kwezinyanga ezintathu. Izinkathi zonyaka, kanye nesifiso sakho sokuzitika. Inkonzo eyayibalulekile phakathi nokufobela ebusika ingahlanganisa uthuli oluthi lufike entwasahlobo. Phakathi nokubukeza kwakho, uphinde uhlele inkonzo ngayinye, lungisa isandulation yakho, futhi uhlele uhlelo lwakho lokusebenzisa imali ngokwe-enjongo.

Sebenzisa lempinda ukuze uhlole ezinye izindlela ezisezansi. Izindawo zobuteshi ezinamaqoqo ezinamahhala njenge Tubi, i-Pluto TV, ne-Freevee manje ziqhosha kakhulu, imitapo ejikelezayo engagcwalisa izikhala ngaphandle kokuvula iphakethe yakho. Umtapo-washi ungahlanganisa izinhlelo ezinjenge Hoopla kanye [FLT:] [] imibhobho [[ inikeza amafilimu, amabhukwana amabhukwana, kanye nezikolethi ngekhadi lomtapo wezincwadi. Ikhokhwa ngemisebenzi ekhokhelwa ngenkonzo eyodwa noma ezimbili ezikhokhelwayo] [inani elifanayodwa noma inyanga] ukudlulisa imali entweni esebenzayo ngesikhathi esisodwa.

Isinyathelo 10: Vikela Imininingwane Yakho Ebhakiwe Futhi Wazi Amalungelo Akho

Ukukhwabanisa kwe-akhawunti kungayenzeka uma kuhlanganyelwa noma kusetshenziswa futhi. Sebenzisa izimpawu ezihlukile, ezinamandla ze-password zenkonzo ngayinye, ezigcinwe kumphathi wephasiwedi. Yenza isiqiniseko esiqinile noma kuphi lapho inikezwa khona. Uma uhlanganyela i-akhawunti, gwema ukusebenzisa indlela yokukhokha engeke iphikiswane kalula; amakhadi okuthenga ngesikweleti anikeza izivikele ezinamandla kunamakhadi e-debit.

Ngaphansi kwe-Electronic Fund Tream Act, uvame ukuba nezinsuku ezingu-60 kusukela ngosuku lwephepha lokuphikisana nemali engekho semthethweni. Hlangana nomphathi webhanki lakho noma wamakhadi ngokushesha uma ubona into oyisolayo. Gcina amarekhodi esiqinisekiso sokucima nanoma iziphi izincwadi zenkonzo, ngoba zizosekela icala lakho.

Izenzakalo Ezivamile Nendlela Yokuzisingatha

Ukwaba Imikhaya

Ukuhamba nomngane noma umuntu ohlala naye kuvame ukuphumela ekufakeni izikhokhelo. Ukukhetha uhlelo lomkhaya nokucisha ama-akhawunti. Dlulisa ama-akhawunti kanye nama-profile uma indawo yesikhulumi ikuvumela. Yiba nengxoxo ekhululekile ngokuhlukanisa izindleko futhi usebenzise uhlelo lwemali oluhambisana nomthetho ukuze ugcine izinto zinokulingana.

Lapho Inkonzo Iphakamisa Izindleko Zayo

Inani eliphakeme livamile. Uma uthola isaziso, ungasamukeli ngaphandle kokuthatha. Buza ukuthi inani elisha lisabonisa inani olitholayo. Uma kungenjalo, qhebezela eqeleni elinamatheli afakiweyo uma likhona noma uhlehlise ngokuphelele. Ngezinye izikhathi ukuqala inqubo yokucima kubangela ukunikezela ngesilinganiso esidala sezinyanga ezimbalwa ezengeziwe. Yamukela kuphela uma sifanelana nemali ohlelelwe yona.

Izibhalisa eziphinda-phindiwe zengozi

Kulula kakhulu ukwenza izicelo ngesitolo sezinhlelo futhi usebenzisa ingosi yomnakekeli ngokuqondile, okuphumela ekukhokheleni okubili, ukubheka kwakho uzokuthatha lezi zindawo ezihambisanayo. Khansela eyodwa bese ucela i-refrest. Izinkampani eziningi zicabangela amaphutha aqotho uma uzama ukusekela ngokushesha.

Amathuluzi nemithombo yezokwengamela isikhathi eside

Nakuba iprogram yokubamba isiqephu sesandla singabi nalutho futhi singafinyeleli nhlobo, amathuluzi anikezelwe angalandela yonke inqubo:

  • [[INTLOBO:0] Imali :[[FTL:3] ichaza izikhokhelo, icisha ezingafunekiyo, futhi ixoxa ngezindleko.
  • [[FLT]] Imibhobho yemikhondo ye-SV : Ibhodi eliqondile lolwembu lokulandelela ngencwadi ngezindleko.
  • system:[ I-app ehambayo eyakhelwe uku-apply ye-location nezikhumbuzo ezisheshayo.
  • [FLT]].com: Bheka amakhadi abonisa imingcele yokuchithwa kwezimpawu eziphephile zovavanyo.

Uma ukhetha iprogram yokubala ye-spreadsethi, amasilinganisi esikhululekile akhona ezizeni ezinjenge- Vertext42 noma ku-Google Amakhasi akhangisayo e-gallery ye-engile ye-"Google'. Sebenzisa ukuhlela nge-proxy ukuqokomisa ukukhokhela ukusondela kosuku lwazo lokubhalisa.

Ukuhlakulela Umqondo Wesibhalisa Esiyimfihlo

Amathuluzi wodwa awayixazululi inkinga ngaphandle kokushintsa ukuziphatha ngamabomu. Ngaphambi kokuba ushaye “ubhale” kunoma yini entsha, sebenzisa umthetho wamahora angama-24. Zibuze: Ingabe nginaso isikhathi sokusebenzisa le nkinga? Ingabe igebe alikho ibhuthi elikhona lenkonzo? Liyini izindleko zangempela zaminyaka yonke uma ngikhohlwa ukusula? Zingafaki ekukhangiseni ama-imeyili acindezela ukufusha nokwehluleka isikhathi esilinganiselwe; izimpawu ezimbalwa zisho ukuthi zikhona izimpawu zesikhashana.

Chaza ukuthi kungani kunemingcele futhi kuhilela ukuba bakhethe ukuthi iyiphi inkonzo ethatha isikhathi esiningi, lokhu kwakha ukufunda nge - computer nomuzwa wokusheshe baqaphe.

Okumelwe Ukwenze Uma Kakade Usuthelwe Imali Eningi

Uma ubona ukumangalelwa okungalindelekile, yenza ngokushesha. Xhumana neqembu elisekela umsebenzi ngokuxoxa noma nge-imeyili. Yisho ngokucacile usuku lokukhokha, inani, nokuthi kungani kungalindelekile. Amaplatfomu amaningi angathiwa `Netflix, Hulu, Spoifig, lizobuyisela amacala amuva uma i-akhawunti ingasebenzi futhi isicelo sakho sinengqondo. Uma wenza isicelo sivumelana nesitolo se-app, cela i-refound eqonde ngqo usebenzisa i-[FLT's Thulula inkinga [ikhasi:1] noma u-Google Flateds book noma uhlelo lomlando. Njengomkhondo wokugcina, ukuphikisana ne-khadi lakho lendaba.

Khumbula ukuthi ukumangalelwa njalo kungabangela ukuba inkonzo ivimbele ukulandisa kwakho, ngakho qala ngokukhipha imibhoshongo eqondile.

Ukwakha Ikusasa Elinamandla

Imboni egcwele iyanda; ukuhlanganiswa neminikelo egcwele kuyovame kakhulu manje. Ngokumisa imikhuba enamandla yokuphatha manje, uzibeka ukuba uvumelane nezindlela ngaphandle kobunzima obungokwezimali. Bheka isibalo sakho sokukhokhela njengendawo yokuthatha imoto: thena ngamandla, jikeleza ngenhloso, futhi ulokhu ubuza. Iphuzu alikhona ukuqeda imali esetshenziswayo kodwa ukuqinisekisa ukuthi wonke amandla angaphakathi owathanda ngempela.

Isiphetho

Ukugwema ukugobhoza izibhamu ezishibhile kunezimo ezintathu: ulufinyele ngokuqhubekayo, izikhumbuzo ezizihambelayo, futhi wenze ngaphandle kokulibala. Ngokuhlanganisa amaphepha aphelele, amathuluzi ahlakaniphile, kanye nemali ehlelekile, uguqula inkindla yenkokhelo ephindaphindwayo ibe isimiso sokuzijabulisa esilungiswe kahle. Qala namuhla ngokuhlola izitatimende zakho zebhanki ngemizuzu engu-30 . Imali oyikhokhisayo ingakhokha inyanga yenkonzo oyithandayo, ngaphandle komkhondo wecala.