Ukongela ukuthenga okukhulu, ukuzuza kanye nokutshala imali ukuze inzuzo ikuvumela ukuba ungakhathazeki ngemali - akukhona yini lokhu abaningi bethu abakuphuphayo? Kodwa ngokuvamile siyakwazi ukufeza inani elithile kuphela lokulondoloza futhi sibonakala sishaya ophahleni olungabonakali, yonke into etholwe ngokwethembeka isetshenziswa ngokushesha kuzo zonke izinhlobo zombudane. Kungani lokhu kwenzeka kanye nendlela yokunqoba lesi sivimbelo, kusho isazi sokusebenza kwengqondo kanye nebhange u-Irina Romanenko.
Ngeshwa, amaphethini engqondo nokuziphatha kwabantu abaphumelelayo noma i-psychology yengcebo isala ngemuva kocwaningo lwezengqondo lwesimanje. Lokhu kuyaqondakala: abacebile abazidingi lezi zifundo, futhi izazi zokusebenza kwengqondo zigxile kakhulu ekusizeni abantu abane-neurotic disorders, ukuzicasukela bona nabathandekayo babo, ukusiza abantu abacindezelekile njalo futhi abanqotshwa ukwesaba okukhulu.
Kodwa-ke, ngaphansi kokubekwa kwezici ezihlukahlukene ezingokwengqondo, izinkinga eziyisisekelo zomuntu zihlale zifihliwe - ukholo, uthando nokuzamukela. Yilezi zinkinga ezivame ukuholela umuntu ekungakwazini ukuzivumelanisa neqembu, ukuthatha umthwalo wemfanelo, ukukhombisa izimfanelo zabo zobuholi, ukuthungatha abanye abantu, ukuqala iphrojekthi yabo noma ibhizinisi.
Ngenxa yalokho, izinkinga zomuntu siqu zenziwa zibe zimbi nakakhulu ngokwezimali. Abantu batshala iminyaka eminingi emsebenzini ongawuthandi, bazizwa bengelutho, bengelutho, belahlekelwa injongo yokuphila. Kwesinye isikhathi ukwazi nje ngephethini yakho yokucabanga engemihle kuyasiza ukuyiyeka.
Izici ezingokwengqondo zosomabhizinisi zingase zibe isihloko sezifundo ezihlukene.
Kodwa ngezinye izikhathi ukuthuthukiswa kwezinkolelo, ukutholwa kolwazi oludingekayo, othintana nabo nolwazi akunikezi umphumela oyifunayo. Isigaba esinzima kakhulu kwabaningi siwukunqoba ukwesaba nokungabaza okuvimbela isenzo, ukuqhubekela phambili futhi kuqede ugqozi lwethu. Kukule ndawo lapho izazi zokusebenza kwengqondo zinganikeza khona usizo olukhulu kubantu abafinyelele phezulu emisebenzini yabo futhi bathatha izinyathelo zabo zokuqala kwezamabhizinisi nokutshalwa kwezimali.
Ngivame ukusebenza nabaqondisi nabanikazi bamabhizinisi abakhathele ukucindezelwa njalo okuvela emaqenjini abo abaphathi, ingcindezi yokuncintisana, nokuntengantenga komnotho nezombusazwe ezimakethe zethu. Badinga ukwesekwa okungokwengqondo okunekhono, kodwa bazothembela kuphela labo ochwepheshe bezengqondo kanye nabaxhumanisi bona ngokwabo abanolwazi ekuxazululeni ngempumelelo izimo zebhizinisi eziyinkimbinkimbi futhi baqonde amasu okutshala izimali.
Ngeshwa, abekho ochwepheshe bezengqondo phakathi kosomabhizinisi abaphumelelayo nabatshalizimali, futhi cishe abekho osomabhizinisi abaphumelelayo nabatshalizimali phakathi kwezazi zokusebenza kwengqondo. Amakhono nama-psychotypes abantu kule mihlaba emibili ahluke kakhulu. Abantu abaphumelelayo ebhizinisini bahlukile ngokwengqondo kubantu abavamile kulokho:
- ngaphezu kwabanye bacabanga mayelana kuphi futhi kanjani imali;
- pragmatic kanye namaqiniso;
- bathambekele ekubaleni izimo izinyathelo eziningi ezingaphambili futhi benze ngokushesha;
- banobudlelwane futhi bayakwazi ukulahla abantu;
- ukwazi ukukholisa abantu nokubathonya;
- njalo bakhulume ngokucacile nangokuqondile ngalokho abakufunayo kwabanye;
- esimweni esinzima, imicabango yabo iqondiswe ekutholeni isisombululo;
- abathambekele ekubekeni icala bona noma abanye ngokwehluleka kwabo;
- bakwazi ukubuyela ezinyaweni zabo ngemuva kokwehluleka futhi baqale futhi;
- ukufuna amathuba ngisho nangezikhathi ezinzima;
- beka imigomo ephakeme, kholelwa kuyo futhi uye kuyo, naphezu kwezithiyo;
- kubo awukho umehluko phakathi kokudingekayo nokufunwayo, naphakathi kokufiswayo nokungenzeka.
Lolu hlu aluphelele. Izici ezingokwengqondo zosomabhizinisi zingase zibe isihloko sezifundo ezihlukene kanye nokushicilelwa.
Kumakhasimende ami amaningi, ukukhulisa “umkhawulo wabo wemali” kuba inselele. Ngicabanga ukuthi abaningi benu balibonile iqiniso lokuthi kunzima ukwenza imali ibe ngaphezu kwenani elithile eliqondile. Ngokushesha nje lapho inani lomlingo selifinyelelwe, ngokushesha kuvela isifiso esingenakuvinjelwa noma isidingo sokusisebenzisa. Futhi lesi simo siphindaphindwa ngokuphindaphindiwe.
Kunento ethile engokwengqondo engiyibiza ngokuthi umkhawulo wemali. Kumuntu ngamunye kuhlukile, kodwa kuxhumene neqiniso lokuthi ekungazini kwethu, ngaphansi kwethonya lomlando womndeni, isipiliyoni somuntu siqu kanye nomthelela wemvelo, "inani elanele" lenziwe, ngaphezu kwalokho akunangqondo. ubuchopho bethu ukuze sicindezele. Kungenzeka ukwandisa lo mkhawulo kuphela ngokuchazela abaqulekile ukuthi kungani sidinga imali eyengeziwe.
Lapho ukholelwa kakhulu kokwenzayo, yilapho uba sensiza kaningi, yilapho imigomo yakho ifezeka ngokushesha
Ngokwawo, lo mbuzo uhlobene eduze nenkolelo yalokho esikwenzayo noma, emazwini kaViktor Frankl, “nokulwela kwethu incazelo.” Lapho sikwazile ukukholisa ingxenye equlekile ye-psyche ngomqondo omkhulu walokho esikwenzayo, futhi «silungise» inani elidingekayo lemithombo yezimali edingekayo ukuze kuqaliswe izinhlelo, ukwesaba okuningi namabhuloki kule ndlela adilika ngokwawo. .
Amandla avela, ugqozi olusekelwe ekukholweni imbangela luyakhula. Awukwazi ukuhlala uthule, wenze, wenze izinhlelo njalo futhi wamukele usuku olusha ngenjabulo, ngoba kukunika ithuba lokuletha imibono nezinhlelo zakho ekuphileni.
Imigomo yakho ifezeka ngokwazo, abantu abalungile bavela empilweni yakho futhi izehlakalo ezifanele zenzeka ngesikhathi esifanele. Usesisetshenziswa, kumagagasi akho futhi uyakwazi ukuzuza okuningi ngesikhathi esifushane. Kulula kuwe ukuthi uthumbe abantu, ngoba abantu badonsekela kuwe, amandla akho, ukholo. Lesi simo siyisisekelo se-psychology yempumelelo nengcebo.
Lapho ukholo lwakho kakhulu kulokho okwenzayo, lapho uba sensizeni kaningi, lapho imigomo ifezeka ngokushesha, iba phezulu nemiphumela yokuphila. Ukufeza lesi simo futhi ususe "umkhawulo wemali", ngiphakamisa izinyathelo ezilandelayo:
Isu: Ukwenyusa Umkhawulo Wemali
Isinyathelo 1. Nquma izinga lezindleko zakho zamanje ngenyanga ngento (indlu, ukudla, ezokuthutha, okokugqoka, imfundo, ukuzijabulisa, ukuzijabulisa, njll.).
Isinyathelo 2. Nquma izinga lakho lemali engenayo lanyanga zonke.
Isinyathelo 3. Nquma isamba semali engenayo ngenyanga ongayabela ukonga noma ukutshalwa kwezimali (imali engenayo yanyanga zonke ukhiphe izindleko zenyanga).
Isinyathelo 4. Nquma ukuthi uzokonga malini kule mali, uzotshala malini, kanye nembuyiselo engenzeka.
Isinyathelo 5. Fingqa imali engase ibe khona njalo ngenyanga kusukela ekutshalweni kwezimali nokonga. Ingabe lokhu kusakaza kuhlanganisa izindleko zakho eziqhubekayo ozikhombe esinyathelweni 1? Ingabe usungakwazi kakade ukungasebenzi futhi uphile ngemali oyitshalile kanye nenzalo yokonga kwakho?
Uma kunjalo, khona-ke usuyitholile inkululeko yezezimali futhi awudingi ukufunda okwengeziwe lesi sihloko.
Isinyathelo 6. Uma kungenjalo, bala ukuthi yimalini futhi iminyaka emingaki oyidingayo ukuze uqongelele imali yakho emisiwe ezingeni lamanje lemali engenayo nezindleko, ukuze imali engenayo ephuma ekongeni nasekutshaleni ihlanganise izinga lezindleko zakho zamanje.
Isinyathelo 7. Uma futhi udinga ukuxhasa iphrojekthi, umbono webhizinisi, noma ukuthenga, faka leyo mali ezibalweni ezingenhla bese uyengeza emalini yakho yokulingana.
Isinyathelo 8. Zibuze umbuzo: ingabe udinga ngempela ukuthenga, ibhizinisi noma iphrojekthi? Uzozizwa kanjani uma uthola lokho okufunayo?
Isinyathelo 9. Ukuze wenze lokhu, bona ngeso lengqondo ukuthenga kwakho kanye / noma umphumela wephrojekthi emhlabeni wezinto ezibonakalayo (indlu, imoto, isikebhe, uhambo, imfundo yezingane, ibhizinisi lakho, imali engenayo evela kwiphothifoliyo yokutshala imali, njll.).
Isinyathelo 10. Zibuze ukuthi uzizwa kanjani uma uzibona uthola okufunayo emhlabeni wangempela. Chaza ngokuningiliziwe, njengomuntu wangaphandle ongaluqondi kahle ulimi lwakho, ukuthi uzizwa kanjani uma ucabanga ukuthi usuwufezile lo mgomo emhlabeni wezinto ezibonakalayo.
Isinyathelo 11. Uma ungazwani nokukhathazeka nokungakhululeki, khona-ke umgomo wakho “uluhlaza” kuwe futhi ukuquleka ngeke kukuvimbe.
Isinyathelo 12. Uma kukhona ukukhathazeka, khona-ke udinga ukuthola ukuthi yiziphi izithiyo nezikwesabisayo. Uma ukwesaba kunamandla, khona-ke ngezinye izikhathi kufanelekile ukucabangela umgomo noma ukwelula umnqamulajuqu wokuwufeza.
Kukhona namasu akhethekile okusebenza ngokwesaba. Kodwa-ke, ngokuvamile ukuqaphela ukwesaba kukuvumela ukuba uxazulule ngobumnene ukungqubuzana kokungazi.
Ngesikhathi usuzihlolile ngezinyathelo 9-12, isifiso sakho sizobe sesiyinhloso enengqondo. Ngesikhathi esifanayo, uzoqonda futhi wamukele iqiniso lokuthi ukuze ufeze inhloso yakho, udinga inani elithile lemali. Futhi lokhu kuzosho ukuthi umkhawulo wakho wemali usuvele "uphukile" ngokwengqondo. Kulokhu, ungahalaliselwa: usulungele isinyathelo esilandelayo - ukudala isu namaqhinga endleleni eya enkululekweni yezezimali.