Enye i-lipstick, ingilazi yekhofi ngaphambi komsebenzi, amasokisi ahlekisayo… Kwesinye isikhathi thina ngokwethu asiboni ukuthi sichitha kanjani imali eningi ezintweni ezincane ezingadingekile. Kungani ubuchopho bethu bungazinaki lezi zinqubo nokuthi bufundiswa kanjani ukulandelela ukusetshenziswa kwemali?
Kungani ekupheleni kwenyanga ngezinye izikhathi singaqondi ukuthi iholo lethu linyamalale kuphi? Kubonakala sengathi abatholanga lutho lomhlaba wonke, kodwa futhi kufanele uthwebule uzakwenu obonakala egcwele amahlo kuze kufike usuku lomholo. U-Art Markman, uprofesa wezengqondo nokumaketha eNyuvesi yase-Austin, ukholelwa ukuthi inkinga iwukuthi namuhla mancane kakhulu amathuba okuba sithathe imali yephepha evamile kunangaphambili. Futhi ukuthenga noma yini sekulula kakhulu kune-10 futhi ngisho nangaphezulu kweminyaka engama-50 edlule.
Ikhredithi Yosayizi We-Galactic
Ngezinye izikhathi ubuciko bubikezela ikusasa. U-Art Markman ucaphuna ifilimu yokuqala ye-Star Wars, eyakhululwa ngo-1977, njengesibonelo. Izilaleli zamangala ukuthi amaqhawe e-sci-fi tape awasebenzisi ukheshi, akhokhela ukuthenga ngohlobo oluthile lwe-"galactic credits". Esikhundleni sezinhlamvu zemali ezijwayelekile kanye nama-banknotes, kunamanani abonakalayo aku-akhawunti. Futhi akuqondakali ngokuphelele ukuthi ungayikhokhela kanjani into ngaphandle kokuba nokuthile okwenza imali ngokwayo ibe samuntu. Khona-ke lo mbono wababhali befilimu washaqeka, kodwa namuhla sonke senza into enjengale.
Umholo wethu udluliselwa kuma-akhawunti omuntu siqu. Sikhokhela izimpahla namasevisi ngamakhadi epulasitiki. Ngisho nocingo kanye nezikweletu zezinsiza, simane sidlulisele imali isuka kwenye i-akhawunti iye kwenye, ngaphandle kokuya ebhange. Imali esinayo njengamanje ayiyona into ephathekayo, kodwa izinombolo nje esizama ukuzikhumbula.
Umzimba wethu awulona nje uhlelo olusekela ukuphila olusekela ubuchopho, kukhumbuza u-Art Markman. Ubuchopho nomzimba kwavela ndawonye—futhi kwajwayela ukwenza izinto ndawonye. Kungcono ukuthi lezi zenzo ziguqule indawo ezungezile ngokomzimba. Kunzima ngathi ukwenza into eqagelayo ngokuphelele, into engenakho ukubonakaliswa okubonakalayo.
Akudingekile nokuthi senze umzamo wokubhalisa ndawana thize – sidinga ukwazi inombolo yekhadi. Kulula kakhulu
Ngakho-ke, uhlelo oluthuthukisiwe lwezindawo zokuhlala luba nzima kunokuba lula ubudlelwano bethu nemali. Phela, yonke into esiyitholayo inokwakheka - ngokungafani nemali esikhokha ngayo. Ngisho noma sikhokhela into ethile ebonakalayo noma isevisi, isithombe sayo ekhasini lomkhiqizo sibukeka singokoqobo kakhulu kithi kunamanani ashiya ama-akhawunti ethu.
Ngaphandle kwalokho, akukho lutho olungasivimbela ekuthengeni. Ama-hypermarkets aku-inthanethi anenketho "yokuthenga ngokuchofoza okukodwa". Akudingekile nokuthi senze umzamo wokubhalisa ndawana thize – sidinga ukwazi inombolo yekhadi. Emakhefi nasezinxanxatheleni zezitolo, singathola esikufunayo ngokubeka nje ucezu lwepulasitiki kutheminali. Kulula kakhulu. Kulula kakhulu kunokulandelela imali engenayo nezindleko, ukuhlela ukuthenga, ukulanda izinhlelo zokusebenza ezihlakaniphile ukulandelela izindleko.
Lokhu kuziphatha ngokushesha kuba umkhuba. Futhi akukho okumele ukhathazeke ngakho uma waneliseka ngesamba semali oyisebenzisayo kanye nenani okwazi ukuyonga. Uma ufuna ukuba nemali eyanele yokunikezwa kokudla kwesonto ngemva kohambo olungahleliwe lokuya endaweni yokucima ukoma nabangane (ikakhulukazi uma kuyisonto ngaphambi kosuku lokukhokha), kufanele usebenze kokuthile. Uma uqhubeka nokuziphatha ngomoya ofanayo, kungcono ukungaphuphi mayelana nokonga.
Umkhuba wokusebenzisa imali, umkhuba wokubala
Kungenzeka kakhulu ukuthi ngokuvamile awunalo ulwazi lokuthi imali ishonephi: uma isenzo esithile siba umkhuba, sivele siyeke ukukuqaphela. Ngokuvamile, imikhuba iyinto enhle. Vuma: kuhle ukuvele uvule futhi ucime isibani ngaphandle kokucabanga ngaso sonke isikhathi. Noma xubha amazinyo. Noma gqoka i-jeans. Cabanga ukuthi bekungaba nzima kangakanani uma ngaso sonke isikhathi kufanele uthuthukise i-algorithm ekhethekile yemisebenzi yansuku zonke elula.
Uma sikhuluma ngemikhuba emibi, into yokuqala yokuqala umgwaqo wokushintsha ukuzama ukulandelela lezo zenzo esivame ukuzenza "emshinini".
U-Art Markman uphakamisa ukuthi labo abazithole benezinkinga zokusebenzisa imali okuyimpoqo nokungabonakali, okokuqala, balandelele ukuthenga kwabo inyanga yonke.
- Thola incwadi encane nepeni futhi ukugcine kuwe ngaso sonke isikhathi.
- Beka isitikha ngaphambili ekhadini lakho lesikweletu esikukhumbuza ukuthi konke okuthengayo kufanele “kubhaliswe” kuncwajana.
- Qopha ngokuqinile zonke izindleko. Bhala phansi usuku nendawo “yobugebengu”. Kulesi sigaba, awudingi ukulungisa ukuziphatha kwakho. Kodwa uma, ekucabangeni, wenqaba ukuthenga - makube njalo.
Zonke izinguquko ziqala ngesinyathelo esilula futhi ngesikhathi esifanayo esiyinkimbinkimbi njengokuthola ulwazi lwemikhuba yakho.
U-Markman uphakamisa ukuthi kubuyekezwe uhlu lokuthenga njalo ngesonto. Lokhu kuzokusiza ukuthi ubeke imali kuqala. Ingabe uthenga izinto ongazidingi nhlobo? Ingabe usebenzisa imali ezintweni ongakwazi ukuzenza ngokwakho? Ingabe unothando lokuthenga ngokuchofoza okukodwa? Yiziphi izinto ebezingasala esitokweni uma kufanele usebenze kanzima ukuze uzithole?
Kuye kwasungulwa amasu nezindlela ezihlukahlukene zokulwa nokuthenga okungalawuleki, kodwa zonke izinguquko ziqala ngesinyathelo esilula futhi ngesikhathi esifanayo esiyinkimbinkimbi njengokuthola ulwazi lwemikhuba yakho siqu. I-notepad elula nepeni kuzosiza ukudlulisa izindleko zethu zisuka ezweni elibonakalayo ziye emhlabeni wenyama, zibuke njengokungathi sikhipha imali esiyisebenze kanzima esikhwameni sethu. Futhi, mhlawumbe, yenqaba enye i-lipstick ebomvu, amasokisi apholile kodwa angenamsebenzi kanye ne-americano yesithathu yosuku e-cafe.
Mayelana nombhali: U-Art Markman, Ph.D., unguprofesa wezengqondo nokumaketha eNyuvesi yaseTexas.