Sesabani ukulahlekelwa yimali

Ukwesaba okuhlobene nemali akuvamile. Siphila emphakathini wabathengi futhi sesaba ukulahlekelwa okuthile, silwela ukukhuphukela phezulu kakhulu kwephiramidi yabathengi ukuze sithole izinto ezibonakalayo ezingcono.

Ngesikhathi esifanayo, enye yezithiyo eziyinhloko zangaphakathi zokuchuma "uphahla lwezezimali", wonke umuntu uneyakhe. Sikhuluma ngenani elithile lemali, esikubona kuphephile ukuba sibe nalo. Uma nje imali yethu ingaphansi kwalolu phahla, sizolile, kodwa ngokushesha nje lapho imali yethu idlula, sizizwa sisengozini, sikhathazekile, futhi siqala ukuqeda "okungaphezu kwamandla".

Imali ilungile

Wonke umuntu uthi ukuze uthole isizinda esicebile ngokwezinto ezibonakalayo, ukucabanga okuhle nezimo zengqondo ezifanele kuyadingeka. "Abantu abanomqondo wobumpofu" basebenza ukuze baphile, bathenge izinto abazidingayo, hhayi izinto abazithandayo ngempela. Abantu abaphumelelayo bahola ukuze bazigcwalise, benze abakuthandayo, futhi basebenzise imali kulokho abakuthandayo.

Kubalulekile ukuthi singagqugquzelwa isifiso esiqhubekayo “sokugqashula ebumpofu”, kodwa sishukunyiswe umbono wokuthi uma sinemali eningi, singatshala kakhulu ekuthuthukisweni kwethu, ebhizinisini lethu esilithandayo futhi sizuze abanye.

Awukwazi ukugxila kulokho esingenakho (ifulethi, umsebenzi omuhle), futhi udonse lokhu “kushoda” empilweni yakho. Kubalulekile ukugxila kulokho esinakho futhi silwele ukukhulisa izinsiza esinazo. Kudingeka sizichaze ngokucacile ngokwethu ukuthi sikuliphi izinga lezezimali, lenhlalo manje, ukuthi sikuzuze kanjani lokhu, bese sinquma ukuthi sifuna ukukuthola ini, yiliphi izinga lokukhuphuka nokuthi yimuphi umsebenzi okufanele siwenze kithina ukuze sifeze lokhu.

Izitini lapho kubekwe khona indlela yobumpofu ukwesaba ukwenqaba, ukucasula abanye, ukuncika emibonweni yabanye, ukuchitha isikhathi kwabanye ngokulimaza izithakazelo zomuntu siqu. Konke lokhu kuwukungazihloniphi ngokuphelele kanye nokubukela phansi ukubaluleka komuntu siqu. Kubalulekile ukuzazisa wena, isikhathi sakho namandla, futhi uma uziqhathanisa nabanye, khona-ke kuphela ukuze kukushukumisele empumelelweni enkulu nakakhulu.

Isimo sengqondo esibi ngemali ngeke siholele ekuxazululeni izinkinga. Ngakho-ke, kubalulekile ukususa zonke izimo zengqondo ezimbi esikhundleni esisodwa esihle: "Ngifanelekile / ngifanelekile." Phinda lo mcabango kuwe nsuku zonke ukuze uyeke ukwesaba imali futhi uqonde: konke esinakho, sizitholele thina. Kwanele ukuqaphela ukuthi imali ukuchuma, ukuzinza kanye nenkululeko, okusho ukuthi ungakwazi kuphela ukukhuluma futhi ucabange ngakho ngendlela enhle.

Imali ingamandla anamandla anezici zawo siqu okudingeka ufunde ukuthi ungawamukela kanjani. Akudingekile nje kuphela ukwazisa nokuzithanda, ukwandisa ukuzethemba kwakho, ukuzwa imizwa emihle yemali, hhayi ukulwa nayo, kodwa futhi nokufunda ukuthi ungayiphatha kanjani, ukuqeda izimbangela zokwesaba okunciphisa i-positive. ukuhamba kwezimali. Into eyinhloko ukususa izithiyo zangaphakathi ezikuvimbela ukuthi ufinyelele imigomo yakho.

Ukwesaba okuyinhloko ngemali nezindlela zokuziqeda

1. Ukwesaba ukungakwazi kwakho

Izizathu zezinkinga eziqhubekayo ngemali azihlotshaniswa nje nokuba khona kwezinkolelo eziyisisekelo ezingathuthukisiwe, ezikhawulelayo, kodwa ngokwesaba imali. Isibonelo, imali eyengeziwe yavela (i-premium, ama-winnings), kodwa akucaci ukuthi yini okufanele uyenze ngayo, lapho ungayitshala khona, indlela yokutshala izimali. Lokhu kubangela imizwa engemihle, kuhlanganise nokwesaba okungajwayelekile, okungaqondakali.

Ukuntuleka kolwazi lwezezimali kuholela ekwesabeni nasezenzweni ezingenangqondo ngisho nalapho kuvela inkinga. Abantu abafunde ngezezimali abathuki ngisho nalapho kuvela izimo ezimbi: bahlala "benomcamelo wokuphepha" obavumela ukuba babhekane ne-force majeure.

Ukuphatha kahle izimali, awukwazi ukunciphisa kakhulu izindleko kuphela, kodwa futhi wandise kakhulu ubukhulu besikhwama sakho semali. Ukufunda ngezezimali kunikeza izinga elithile lokuhlonishwa, kusiza ekutholeni imithombo yemali engenayo ngaphandle kokuqashwa. Asinalo ulwazi namakhono kuphela, kodwa futhi nokuzinza kwengqondo.

Izisekelo zolwazi lwezezimali: ukuhlela nokubalwa kwemali ephumayo, isimo sengqondo esifanele ngezezimali, ukuxhumana nezikhungo ezifanele, ukutshalwa kwezimali okunekhono - kungenziwa kahle ezifundweni, kumasemina, kumawebinars nangosizo lwezincwadi.

Kubantu abaningi abaqala ukuthuthukisa ulwazi lwezezimali, ukuze bathuthukise isimo sabo, kwanele ukwakha imikhuba emihle: ukugcina uhlelo lwezezimali, ukuhlaziya imali engenayo nezindleko, izindleko zokuhlelela ikusasa, kanye nekhono lokuphila ngaphakathi kwabo. kusho.

2. Ukwesaba izingozi

Ukwesaba ingozi noma ukwehluleka kukhubaza umsebenzi. Ngenxa yokwesaba ukulahlekelwa yilokho okuncane abanakho, abaningi baphuthelwa ithuba lokuzuza okuningi, banqabe ithuba lokuphumelela empilweni ngoba besaba ukuzama ukukushintsha. Ukungenzi lutho kuyingozi enkulu. Kodwa kukhona abanye: bavame ukuthatha izingozi ezibonakala ziqala ukudideka. Kungani bengavumeli ukunqotshwa okungenzeka?

Into ewukuthi, osomabhizinisi abaphumelelayo banethemba ngokwemvelo. Uma bethatha ukuqaliswa kokuthile, bahlala belinganisa amathuba abo aphezulu kakhulu, ngisho noma kungekho muntu oseduze nabo owabelana ngombono wabo. Bakholelwa ukuthi bazophumelela nakanjani, yingakho bekwazi ukuhlanganisa wonke amandla abo futhi babaqondise ukuze bafinyelele umgomo. Abahlushwa ukungabaza nokukhathazeka. Kubo, lokho abanye abakubona njengengozi engafanelekile akuyona into engaphezu kwezindleko ezilinganiselwe kusengaphambili, ezingenakugwenywa.

Kumele kukhunjulwe ukuthi izinga lobungozi lincike ezingeni lolwazi, isimo somzimba nengqondo, ikhono lokubona nokucubungula ulwazi, ukwenza izinqumo ezinengqondo, nokwenza izenzo ezinengqondo. Ngesimo sengqondo sokulindela okuhle nesiqondile, ziyohlale zikhona izindlela zokunciphisa izingozi.

3. Ukwesaba umthwalo wemfanelo

Zihlulele wena: ebuntwaneni, abantu abadala banesibopho kithi, kamuva, emsebenzini, umphathi, ukonga ukuguga - isikhwama sempesheni, ukukhulisa izingane - isikole. Ukungaphenduli nganoma yini kulungele abaningi. Kodwa lokhu kunciphisa amathuba okwandisa ingcebo yezinto ezibonakalayo. Akekho onesithakazelo eqophelweni eliphezulu lokuphila kwethu kunathi, ngakho-ke uma sifuna ukuphila kahle, kufanelekile ukuzinakekela ngokwethu, sithathe umthwalo wemfanelo wokuphila.

4. Ukwesaba ushintsho

Esinye isici esibangela izinkinga eziningi zezezimali: ufuna ingcebo yezinto ezibonakalayo, kodwa umuntu akakakulungeli ukwenza okuthile kulokhu - noma ukuthola umsebenzi omusha, noma ukuthola umthombo owengeziwe wemali engenayo, noma ukuthola ulwazi olusha noma amakhono, noma ukuthola. umkhuba owusizo wezezimali.

Zama ukucabanga ukuthi ubungaziphatha kanjani ezimeni ezahlukene uma ungasabi okusha. Cabanga ngalokho obungakusho, indlela obungagqoka ngayo, indlela obuzoziphatha ngayo. Yigijimise ngokuphindaphindiwe ekhanda lakho. Zilolonge phambi kwesibuko. Lokhu kuzokunika ukuzethemba kwangaphakathi. Ngaphambi kokuba wenze into engavamile kuwe phambi kwabanye abantu, udinga ukwazi ukuyenza ngokuthula uwedwa. Ukwesaba ushintsho kunganqotshwa kuphela ngokwenza okuthile okusha nokuhlukile.

5. "Imali enkulu - ukwesaba okukhulu"

Izimo zengqondo nezinkolelo eziningi mayelana nemali “kugxiliswe ngokucophelela” kithi abazali bethu. Uma umndeni uneholo elilinganiselwe noma ukuntuleka kwemali njalo, khona-ke, njengomthetho, abazali baziphika, futhi ngokuvamile ingane, ngezindlela eziningi, ikhuthaza ukwenqaba ngokuntula imali. “Asikwazi ukukukhokhela, kubiza kakhulu, hhayi manje, sibekela ezinye izinto ezibalulekile” — kukangaki uzwa imisho enjalo?

Ngenxa yalokho, abaningi baye baba nenkolelo yokuthi imali eningi ayinakutholwa. Lo mkhawulo onzima uvimba ukugeleza kwamandla emali empilweni. Udaba lubhebhethekiswa wukuhlangenwe nakho okungekuhle komuntu siqu kokubhekana nemali. Lokhu kubandakanya ukutshalwa kwezimali okungaphumelelanga noma ukuthengiselana, kanye nezimo lapho, ngokwesibonelo, singabuyiselwanga khona isikweletu.

Kunezizathu eziningi zokuthi kungani ukwesaba imali kungase kuphakame, kodwa isisekelo yizehlakalo ezingezinhle nezehlakalo zesikhathi esidlule ezadala ukungezwani kwangaphakathi. Ukuze ushintshe kakhulu isimo, ukuzikhohlisa kanye nesifiso kubalulekile.

Kuyafaneleka ukuthola izimo zengqondo ezingezinhle futhi uziguqule, isibonelo, usebenzisa amagama aphikisayo. Isibonelo, inkulumo ethi «Ngesaba ukulahlekelwa imali engiyilondolozile ngoba isivumelwano sami sokugcina sihlulekile» singathathelwa indawo amagama athi «Ngiyazi ukwenza izinqumo ezifanele — okuhlanganisa nendlela yokulondoloza nokwandisa imali.

Ngaphezu kwalokho, udinga ukufunda indlela yokuphatha izikweletu nezikweletu ngendlela efanele. Abaningi bazibheka njengomthwalo, okhathazayo futhi oqeda imali namandla. Kunalokho, udinga ukuzijwayeza ukuzizwa ulula njalo lapho ukhokha isikweletu noma ukhokha isikweletu. Isibonelo, uma sikhokha i-mortgage efulethini, manje sesinezindlu zethu. Kuyafaneleka ukuqala njalo ekuseni ngalomcabango nokugcina lesi simo.

Ukwandisa indawo yokunethezeka kuzovumela ukulungiswa kwansuku zonke ekuchumeni kwezezimali. Ukushintsha izinkolelo ezikhawulelayo, ukuqeda ukwesaba ukulahlekelwa imali ekugcineni kuzoshintsha inkambo yokuphila.