Kukwatira Chifukwa Chandalama: Kodi Ndi Njira Yoyenera Kwa Inu Ndi Momwe Mungapangire Kuti Igwire Ntchito?

Ndi zinthu ziti zomwe mumaziona kuti sizingakambirane posankha bwenzi? Kodi chikondi ndi chomwe chimapangitsa dziko lanu kuzungulira? Kapena muli okonzeka kukwatiwa ndi ndalama? Kodi ndikofunikira kwambiri kugawana zomwe mumakonda komanso zomwe mumakonda? Kapena kodi ndinu munthu wothandiza amene mumamvetsetsa kuti chuma chamtsogolo ndi kukwatiwa bwino ndizofunikira kwambiri paubwenzi wokhalitsa? 

Malingaliro ndi malingaliro pambali, pamafunika kukhwima ndi chidziwitso kuti mumvetsetse kuti moyo ukhoza kukhala wovuta kwambiri, ndipo zambiri mwazovutazi zitha kuthetsedwa ndikugwiritsa ntchito ndalama zopanda malire. Kaya mukufuna kuthawa zovuta za moyo wanu wapakati kapena muli ndi chiyembekezo chodzakwatiwa ndi milionea, palibe manyazi kusewera masewera andalama pamsika waukwati. Kukwatira chifukwa cha ndalama sichinthu chamanyazi, ndipo ndi nthawi yoti timve zambiri za ubale woterewu. 

Kukwatira Chifukwa Chandalama - Mchitidwe Wakale Wakale

“Kodi simukudziwa kuti mwamuna wolemera ali ngati mtsikana wokongola? Simungakwatire mtsikana chifukwa choti ndi wokongola, koma Mulungu wanga, kodi sizithandiza?” Mawu otchuka awa a Marilyn Monroe akufotokoza mphamvu yokwatira munthu chifukwa cha ndalama. Malinga ndi iye, kukhala ndi ndalama kunaposa chisankho chokwatira chifukwa cha chikondi chifukwa chakuti zimapangitsa moyo kukhala wosavuta. Ndipo tiyenera kuvomereza. Masiku ano, ndi nkhani monga kusatsimikizika kwa ntchito, kukwera mtengo kwa zinthu, kukwera kwa mitengo ya nyumba, komanso ngongole ndi ngongole, sizodabwitsa kuti kukwatira chifukwa cha chitetezo cha ndalama ndi chizolowezi chomwe chikukula. Ndipo sichoncho kwenikweni choipa.

Mu kafukufuku wa Chikondi ndi Ndalama wochitidwa ndi Money Management International, malipoti akusonyeza kuti mabanja ambiri ochokera m'magulu olemera kwambiri anati anali osangalala kwambiri poyerekeza ndi mabanja ochokera m'magulu olemera. Oposa 60% a mabanja osasangalala amaona mavuto azachuma ngati gwero lalikulu la mavuto a m'banja. Ambiri a ife taona makolo athu akuvutika ndipo sitikufuna kubwereza zomwezo. Ngati wina ayenera kulonjeza kwa wina kwamuyaya, bwanji osapanga chitetezo chachuma kukhala chimodzi mwa zifukwa zochitira zimenezo?

Maukwati ozikidwa pa chuma ndi ubale wa m'banja ndi nkhani yakale kwambiri. Kale, mabanja achifumu, komanso masiku ano, amalonda amangokwatirana m'mabanja ena olemera. Maukwati okonzedwa kuti apeze ndalama amakhazikitsidwabe chifukwa cha ndalama zomwe akazi amalipira ku mabanja a amuna awo. Kumayambiriro kwa zaka za m'ma 1900, akazi sankatha kugwira ntchito, ndipo kukwatiwa ndi mwamuna wamkulu chifukwa cha ndalama kunali yankho lovomerezeka. Palibe chilichonse mwa izi chomwe chili nkhani. Ndalama ndi ukwati zikupitirira kukhala kuphatikiza kovomerezeka kwa ambiri, mosasamala kanthu za kugonana kapena jenda.

Anthu amakwatira chifukwa cha ndalama pazifukwa zingapo, ndipo chisankho chochita zimenezi chimabwera ndi ubwino ndi zovuta zake zapadera. Ndipo ngakhale kafukufuku wambiri akunena kuti akazi angasankhe chikondi kuposa ndalama, palinso mfundo yotsutsana pomwe akazi oposa 70% adati angakane munthu amene angakhale naye ngati mwamunayo alibe ntchito. Akazi amakwatira chifukwa cha ndalama chifukwa cha kukhazikika komwe kumawapatsa. Amuna omwe amakwatira chifukwa cha ndalama angatero chifukwa cha mwayi wantchito. Kukwatira m'banja lolemera kungakhale njira yokhayo yotulukira mu ngongole. Monga ubale uliwonse, ukwati wachuma si malo oti mupereke ndemanga ndikupereka chiweruzo.

Ubwino Ndi Kuipa Kwa Kukwatira Chifukwa Chandalama

Monga momwe zilili ndi chilichonse m'moyo, pali mbali yabwino komanso yoyipa yokwatirana ndi ndalama, choncho samalani. Mndandanda wa zabwino ndi zoyipazi umabwera popanda kuweruza. Ukwati ndi kudzipereka kwa moyo wonse (mwachiyembekezo), ndi amene mudzakwatirane naye ndi chifukwa chiyani ndi zosankha zaumwini. Tikuyika zonse mu zakuda ndi zoyera kuti musankhe paokha, tikuyembekeza kuti sipadzakhala mapepala achisudzulo oti musayine kapena ukwati woyipa wodandaula nawo. Ndipo kwa anthu onse omwe amafuula, "Koma uyenera kukwatira chifukwa cha chikondi!", Nazi mfundo zina zovuta kuziganizira pankhani ya kukwatira kuti ukhale wokhazikika pazachuma. 

Kuwerenga Kofanana: Chikondi vs Ndalama: Kusankha Chikondi M'malo mwa Kukonda Zinthu Zakuthupi

Ubwino Wokwatirana Ndi Ndalama 

Tiyeni tione mbali zabwino kwambiri zaukwati pofuna chitetezo osati chikondi. Ngati muli okondwa ndi moyo wabwino umene mwakhala mukukhala ndikukonzekera kumanga mfundo, si bwino kudziŵa zomwe muli nazo musanavomereze chilichonse? 

1. Ndalama zambiri = Mwayi wochepa wa chisudzulo

Kodi ndalama zimagula chisangalalo? Izi ndi zomwe ziwerengero zikuwoneka kuti zikutanthawuza, osachepera. Kafukufuku waposachedwapa wasonyeza kugwirizana kwachindunji pakati pa kuchuluka kwa ndalama zomwe mumapeza ndi mwayi wosudzulana. Mwina izi ziri ndi chochita ndi madzi prenup chizindikiro chimodzi ngati munthu kukwatira chuma. Mwina kukhala ndi ndalama kungakugulireni chimwemwe. Kapena mwina ndi chifukwa chongoyamikira zomwe muli nazo komanso osafuna kugwedeza bwato laukwati. Ziribe chifukwa chake, maukwati achuma awa akuwoneka kuti akupita kutali. 

2. Masiku akulimbana atha 

Musanyoze kukongola kwa kukhala ndi moyo wosavuta komanso wapamwamba. Ngakhale sitikutanthauza kuti simungathe kapena simungadzipangire nokha chuma, sizikupweteka kupeza njira yopezera ndalama mwa kukwatira m'banja lolemera kwambiri. Tisalowe m'maubwino ena a ukwati monga inshuwalansi yazaumoyo, maubwino azachipatala aulere, ndalama zolipirira koleji, ndi zina zotero. Komanso, ana anu amabadwiranso m'malo abwino mukakwatirana chifukwa cha ndalama, osati chikondi.

3. Ndalama zimatsegula zitseko

Kukhala ndi mwamuna kapena mkazi wolemera kumatsegula zitseko kwa inu. Zomwe sizikanatheka kutsegulidwa popanda kuthandizidwa ndi chuma ndi chitukuko. Kupatula ndalama zoziziritsa kukhosi, mnzanuyo adzakhala ndi mabizinesi ofunikira kuti akuthandizeni kupititsa patsogolo ntchito yanu. Kupatula apo, ana anu amapita kusukulu zabwino kwambiri, kucheza ndi anthu olemera, ndikuyamba kugwira ntchito ndi mwayi wobadwa nawo. Ndalama zambiri sizili zoipa nthawi zonse. 

4. Moyo wapamwamba ndi wofunika 

Tisayerekeze kuti kukhala m'mahotela a nyenyezi zisanu sikwabwino kuposa kusunga tchuthi cha nyenyezi ziwiri. Kapena kuti kuuluka koyamba kapena kalasi yamabizinesi sikusangalatsa kuposa kukakamizidwa kulowa mgulu la ng'ombe. Kukwatirana ndi ndalama vs chikondi kumakupatsani mwayi wokhala ndi moyo wapamwamba pankhani ya zovala, magalimoto, nyumba, tchuthi, ndi zokonda. Kodi pali vuto posankha izi? 

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Zoipa Zokwatira Wolemera 

Kusaka kosavuta pa intaneti za 'momwe mungakwatire?' kapena 'kukwatiwa bwanji ndi anthu olemera?' zingakhale zotsegula maso, kunena pang'ono. Masamba ena a Wiki amakupatsirani mndandanda wazomwe mungakwatire amuna olemera. Pali mabuku olembedwa onena za momwe akazi anzeru amakwatidwira chifukwa cha ndalama kapena momwe amuna olemera ndi akazi awo angapewere kudyetsedwa mwachuma paubwenzi. Mayendedwe amatchulidwa momveka bwino.

Choncho, ngati mukufuna kudziwa kumene mamiliyoni ndi zimene muyenera kuchita kuti nab mmodzi, fufuzani kumene. 

• Wokondedwa wanu amangosangalala pamene mphatsozo zili zochulukira komanso zodula 
• Ngati abwenzi ake amangokwatirana ndi amuna akuluakulu, olemera, ichi ndi chimodzi mwa zizindikiro zosonyeza kuti mtsikana wanu akukwatiranso chifukwa chandalama. Mofananamo, ngati iye anali a serial dater ndipo wakhala ndi maubwenzi ambiri ndi akazi achikulire, olemera, zolembazo zimakhala zokongola kwambiri pakhoma
• Amakufunsani mafunso ambiri okhudzana ndi zachuma chanu mutangoyamba chibwenzi
• Amagwiritsa ntchito kugonana ndi maonekedwe kuti apeze zomwe akufuna 
• Safuna kulipira 
• Amagwirizanitsa ukwati ndi ndalama ndipo sachita manyazi kuzinena 
• Iwo amatengeka ndi kalasi ndi udindo ndipo mwachiwonekere akuyesera kukwera makwerero a chikhalidwe cha anthu 

Tsopano tiyeni tiyang'ane pa zovuta za funso lakale, "Momwe mungakwatire bwino?"

1. Kufunika kotsimikizira kuti ndinu abwino mokwanira 

Kudziona kuti ndi wosafunika kwenikweni kungakhale kovuta, ndipo pankhani yokwatira mwamuna wolemera kapena mkazi wolemera, thanzi lanu la maganizo likhoza kuipiraipira. Apa tikutanthauza kuti kusiyana kwakukulu kwa zachuma pakati pa inu ndi mnzanu kungayambitse khalidwe lodziona ngati wosafunika komanso mkwiyo. Munthu akamalamulira ndalama zanu, zingakhale zofooketsa kwambiri, choncho onetsetsani kuti mukufuna kukhala ndi malire mwa kusunga mbali zina za ufulu wodzilamulira komanso chuma chanu.

2. Kukhala motsatira malamulo a anthu 

Olemera amakhala ndi malamulo ena. Ndipo polowa m'dera la olemera, mudzayeneranso kutsatira malamulowa. Zitha kukhudza mbali zonse za moyo wanu - kuyambira kalembedwe kanu mpaka gulu la anzanu. Mudzawunikiridwa ndikuweruzidwa mwatcheru kwambiri popeza mumachokera kumitundu ina. Mukalowa m'banja lachigwirizano, awa ndi malamulo, ndipo muyenera kuwatsatira. 

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3. Muyenera kukhala ndi khungu lakuda

Musadabwe anthu akamakutchani kuti ndinu wadyera kapena wokonda golide . Kusiyana pakati pa chuma cha mnzanu ndi inu, kumachititsa kuti miseche ikule kwambiri. Ngakhale mutamukondadi mnzanuyo (ndipo mukuchita bwino nokha), chipongwecho chidzachepa nthawi zonse.

Pamapeto pake, chisankho chokwatira chuma ndi chako ndi chako. Koma samalani ndi misampha ndi nsonga zomwe zimakhudzidwa. Kupatulapo chikondi ndi ndalama, chinthu chimodzi chimene chingathandize kuti banja liziyenda bwino ndicho ulemu ndi kusirira. Ngati mukufuna kukwatira chifukwa cha ndalama osati chikondi, onetsetsani kuti mumalemekeza mwamuna kapena mkazi wanu komanso mosiyana. 

Akatswiri a zaubwenzi amalimbikitsa kuchita izi kuti awonjezere mwayi woti banja liziyenda bwino :

• Khalani ndi ufulu wodzilamulira momwe mungathere. Chifukwa chakuti simukuyenera kugwira ntchito kuti mupeze ndalama sizikutanthauza kuti simuyenera kugwira ntchito konse. Kukwera makwerero a ntchito yanu ndikulimbikitsa kudzidalira kwakukulu 
• Pitirizanibe kuchita zomwe mumakonda komanso zomwe mumakonda. Osatengera kwathunthu moyo wanu watsopano kuti muyiwale kuti ndinu ndani komanso komwe munachokera 
• Mofananamo, pitirizani kulankhulana ndi achibale anu ndi anzanu akale. Osawagwetsa pomwe atsopano owoneka bwino abwera 

Ubwino wokwatirana ndi ndalama	Zoipa zokwatira chifukwa chandalama
Mungakhale ndi chithunzi chabwino cha banja lopambana	Muyenera kukhala motsatira malamulo atsopano a anthu olemera kwambiri
Muli ndi mwayi wabwino wopita patsogolo pantchito yanu	Mungafunike kuvutika kwambiri kuti mutsimikizire kuti ndinu ndani pantchito yanu
Ana anu (ndi banja) ali ndi mphamvu pazachuma ndi mwayi	Padzakhala chiweruzo chochuluka pa chisankho chanu chokwatira chifukwa cha ndalama
Ubwino wa moyo wapamwamba ndi wosatsutsika	Koma palinso kuwunika kowonjezereka, komwe sikungakhale bwino kwa aliyense
Masiku anu ovutikira kupeza zofunika pamoyo atha	Zingakhale zopanda mphamvu kukhala ndi munthu wina atagwira zingwe zachikwama

Kukwatira Chifukwa Chandalama - Kodi Ndi Njira Yoyenera Kwa Inu?

Ndikuganiza kuti nkhaniyo ndi yokhuza ngati mukupanga chisankho mwanzeru, mwaphunziro musanavomere kukwatiwa ndi munthu osati kungobweretsa ukwati kuti mukhale bata. Amuna ndi akazi amene amakwatirana ndi anthu olemera komanso anzeru, okonda udindo, olimbikira ntchito, ndiponso otetezeka amasankha bwenzi logwirizana ndi mfundo zawo. Mukakwatiwa ndi munthu amene amayamikira zomwe ndalama zingagule NDI kukulimbikitsani kuti mukhale odziimira paokha, mumadziwa kuti mwapeza golide. Dzifunseni mafunso otsatirawa kuti mudziwe ngati kukwatiwa ndi ndalama ndi chisankho choyenera kwa inu:

• Kodi mnzanga amagawana chimodzimodzi makhalidwe abwino Kodi ndimachita bwanji pankhani yosunga ndalama, kuwonongera ndalama, komanso kutsatira malamulo a ntchito? 
• Kodi mnzanga amawona ndalama ngati chothandizira kapena chida chopititsira patsogolo?
• Kodi chuma chawo amachichita mopeputsa? 
• Kodi mnzanga adzandilola (ndi kundilimbikitsa) kukhalabe wodziimira ndekha? 
• Kodi ndipitiliza kugwira ntchito kapena kutsatira zomwe ndimakonda komanso maloto anga? 
• Kodi zosankha zanga ndi kagwiritsidwe ntchito ka ndalama zidzalemekezedwa? 
• Kodi ndiyenera kufunsa mnzanga kapena banja lawo momwe ndimagwiritsira ntchito nthawi yanga kapena ndalama? 

Palibe manyazi kulamulira tsogolo lanu ndi kupanga zosankha zomwe zingapangitse moyo kukhala wosavuta. Ngati mwakonzeka kutenga udindo pazosankha zanu zachuma ndipo simukuchita mantha kuti mumasulidwe ndikukwatirana ndi ndalama, kudos! Nthaŵi zikusintha, ndipo anthu amachita zinthu mwanzeru ponena za kukhala m’banja lokonda ndalama. Anthu akamadzakwatirana pambuyo pake, amakhala akuona zambiri pamoyo wawo ndipo amakhala okonzeka kupanga zosankha zofunika kwambiri zokhudza anthu okwatirana nawo.

Malinga ndi kafukufuku waposachedwapa, anthu opitilira 51% amanena kuti amaona kuti chitetezo cha ndalama ndi chofunika kwambiri kuposa chikondi. Atafunsidwa ngati angasankhe $1 miliyoni pachaka m'malo mopeza chikondi cha moyo wawo, anthu opitilira theka omwe adafunsidwa adasankha ndalama. Kafukufuku wina wasonyeza kuti chimodzi mwa zifukwa zomwe adasankhira izi ndi "malingaliro osatsimikizika okhudza tsogolo lawo" omwe oposa 70% a omwe adafunsidwa adanenanso. Chifukwa chake, mfundo yakuti pankhondo ya chikondi ndi ndalama, ndalama zimapambana chikondi m'magulu ambiri a anthu sizodabwitsa.

Momwe Mungapangire Ukwati Wachuma Kuti Ugwire Ntchito

Monga tanenera kale, maanja ambiri amalowa muubwenzi woterewu popanda kumvetsetsa bwino zomwe zimabweretsa. Anthu awiri ochokera m'mabanja osiyanasiyana komanso azachuma akalowa muubwenzi, zimatha kubweretsa mavuto apadera. Kusiyana kwa chuma kukakhala kwakukulu, mavuto amenewo amakhala aakulu.

Ngati sichoncho, kusiyana kumeneku kumatha kukula ndipo, pakapita nthawi, kumayambitsa mkwiyo komanso kuwononga mgwirizano. Chifukwa chake, kudzikonzekeretsa nokha ndi zabwino, zoyipa, ndi zoyipa zimatha kukupatsani zida zofunika kuti muthe kupitilira nthawi zovuta ndikupambana (komanso kulemera). Nazi njira zina zomwe mungalimbikitsire ndikuzindikira ziwopsezo zamtsogolo zomwe mungathe kuthana nazo ndikuzichepetsa nthawi yomweyo:  

1. Kambiranani 

Chinsinsi cha ubale uliwonse wachipambano ndicho kulankhulana momasuka ndi kukhala owona mtima kwa wina ndi mnzake. Vomerezani mfundo yakuti zopinga zidzabuka, ndipo njira yokhayo yopitira patsogolo ndiyo kukhala omasuka ku zokambirana. 

2. Dziwani bwino za maudindo ndi maudindo 

Kuyambira pachiyambi, dziwani bwino yemwe ali ndi udindo pa zomwe zili muubwenzi wanu. Ngati mnzanu m'modzi ndiye amene akusamalira banja lanu, udindo wa winayo uyenera kufotokozedwa bwino, ndipo mosemphanitsa. Kuonetsetsa kuti onse awiri ali ndi maganizo ofanana kungathandize kuti ziyembekezo zikhale zenizeni komanso kuti musakhumudwe.

3. Musanyalanyaze ndondomeko ya zachuma

Chifukwa chakuti pali chuma chochuluka sizikutanthauza kuti sichifunika kulinganiza bajeti. Gwirizanani za bajeti ya mwezi uliwonse kapena yapachaka ndipo kambiranani ndalama zonse ndi ndalama zomwe mudzagwiritse ntchito. 

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4. Ikani makadi anu onse patebulo 

Mwa ichi, tikutanthauza kukhala oona mtima za kuchuluka kwa ndalama zomwe mumadziwa pazachuma ndi bizinesi, kuchuluka kwa zomwe mukufuna kuphunzira, komanso momwe mungafune kukhala nawo. Izi ndizofunikira makamaka ngati mukukwatirana ndi chuma chambiri kapena bwenzi lomwe limachokera ku ndalama zabanja zakale. 

5. Bweretsani wina 

Nthawi zina, kukhala ndi woweruza mopanda tsankho ndiyo njira yosavuta yovomerezera zinthu. Ndi chithandizo chawo, lembani zonse zomwe mwagwirizana. Mukhozanso kusankha zochita pamene zinthu zisintha. Kukonzekera kukumana ndi vuto lililonse si chinthu choipa. 

"Zizolowezi zathu zogulira ndalama zimatipangitsa kukhala odalira kwambiri, ndipo palibe ambiri m'moyo wanga omwe angakwanitse kukwatira popanda kuganizira za ndalama". - Ngati Jane Austen kumayambiriro kwa zaka za m'ma 19 akanatha kulemba izi mu buku lake lodziwika bwino lakuti Pride and Prejudice , ndi umboni weniweni wa mfundo yakuti ndalama zakhala zikutsogolera muukwati - ndipo zikupitirirabe. Pamapeto pake, pali zabwino zambiri zomvetsetsa momwe mulili pazachuma komanso maudindo anu azachuma musanalowe m'banja lililonse.

Kaya ndi mgwirizano wamalonda kapena ubale wachikondi, kutchula zomwe onse awiri amabweretsa patebulo kungawoneke ngati kopanda chifundo koma, kwenikweni, kothandiza komanso kothandiza kuti moyo ukhale wautali. Monga anthu, tidzapitiliza kukondana ndi anthu angapo. Ndipo mukakumana ndi chisankho pakati pa anthu awiri - kupatula wina amapeza zambiri kuposa wina - ndipo muyenera kudzifunsa kuti, "Kodi ndikwatire chifukwa cha chikondi kapena bata?", Palibe funso pazomwe muyenera kuchita. Nthawi zonse pitani kwa munthu amene angakuthandizeni kukhala ndi moyo wabwino. Pitilizani kukwatiwa ndi ndalama - simudzakhala woyamba kapena womaliza kutero! 

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Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse lapansi kuphunzira momwe angachitire chilichonse.