Tikamalankhula za chigololo, nthawi zambiri zimakhala ngati wina akugonana kapena kutengeka ndi munthu wina. Koma kodi mumadziwa kuti kusakhulupirika kwachuma kungakhalenso vuto lalikulu pakati pa maanja? Chimodzi chomwe sichingasokoneze ubale wanu komanso kupangitsa kuti moyo wanu wonse ukhale wosweka.
Koma kodi n’chiyani kwenikweni chomwe chimaonedwa ngati kusakhulupirika pazachuma? Kodi zotsatira za chinsinsi chazachuma muubwenzi ndi ziti? N’chifukwa chiyani zimachitika? Kodi mungachizindikire bwanji? Tikuyankha mafunso awa kuti tikuthandizeni kuteteza ubale wanu kuti usagwere mumsampha wa chizolowezichi komanso moyo wanu kuti usagwere mumsampha wa zachuma. Kuti timvetse zovuta za kusakhulupirika pazachuma, tinalankhula ndi Joie Bose (wolemba komanso woyambitsa nawo Poetry Paradigm komanso membala wa bungwe lalikulu la Indian Performance and Poetry Library).
Kodi Kusakhulupirika Kwachuma N'chiyani?
M'ndandanda wazopezekamo
Kusakhulupirika pazachuma ndi pamene wina ayamba kubisa zambiri zandalama ndi ndalama kwa mnzake. Izi zingaphatikizepo chilichonse, kuyambira kuwononga ndalama zomwe simunaziuze mpaka kugwiritsa ntchito kusunga ndalama popanda kuuza mnzanu, kukwera mtengo kwa kirediti kadi, kapena kutaya ndalama ku zizolowezi zomwe mumakonda monga kutchova juga.
Ngakhale mu mawonekedwe ake osavuta, zinsinsi zokhudza ndalama zimatha kusokoneza ubale . Pamene kuopsa kwa chinsinsi cha zachuma m'maubwenzi kukukulirakulira, zimatha kuwononga tsogolo la okwatirana. M'maukwati, kulephera kuthetsa kusiyana kwachuma kungayambitse chisudzulo.
Malinga ndi kafukufuku wa National Endowment for Financial Education , akuluakulu awiri mwa asanu ku US amavomereza kuti adachitapo chigololo pazachuma m'maubwenzi awo. Kafukufuku wina adapeza kuti kusiyana kumeneku ndiko komwe kumayambitsa 30 peresenti ya milandu yonse yosudzulana ku US.
Ngakhale kuti mabanja ali pachiwopsezo chotere chifukwa okwatirana amakonda kuphatikizika kapena kugawana ndalama zawo, zitha kukhudzanso anthu omwe ali pachibwenzi kwanthawi yayitali. Makamaka pamene onse awiri akukhala limodzi kapena akusunga ndalama zosungiramo cholinga chimodzi monga ukwati, kugula nyumba, kapena tchuthi.
Kuwerenga Kofanana: Kukwaniritsa Mgwirizano Wazachuma Monga Okwatirana
Nchiyani Chimawerengedwa Ngati Kusakhulupirika Kwachuma?
Katswiri wathu Joie Bose anati, “Mukadzalowa m’banja, zinthu zonse za m’banja zimasintha—makamaka pankhani ya zachuma.
Izi zikutanthauza kuti muli ndi udindo pazachuma wina ndi mzake. Ngati mukugulabe mopambanitsa ndi kutenga ngongole, kuyika banja pachiswe, kwenikweni mukunyozera mnzanuyo ndi ubale wanu. Mwinamwake inu, monga mwamuna, muli ndi kukondera kosadziŵa komwe mukuona kuti mkazi wanu sangamvetse chosankhacho. Izi zikutanthauza kuti simumaona mnzanuyo ngati wofanana. Mukufuna kukhalabe wopambana pazachuma komanso kuti palibe kulemekezana muubwenzi.”
Ukwati ndi ntchito yamagulu. Mosiyana ndi nkhani ya chibwenzi - ziribe kanthu momwe ubale wanu uliri waukulu - zosankha zanu zidzakhudza nthawi zonse mnzanuyo ndi moyo wawo. Chotero, pamene kuli kwakuti chigololo chandalama chingamveke ngati sichingakhale choipa monga chigololo chakuthupi kapena chamaganizo, chingakhalebe ndi zotsatira zowononga pa maukwati a anthu.
Lingaliro limodzi loyipa lazachuma, mphatso imodzi mopambanitsa kapena ulendo womwe sunawuze okondedwa wako, ukhoza kukhala sitepe yoyamba kukhala wosakhulupirira pazachuma kwa iwo. Mwachiwonekere izi sizikutanthauza kuti simukuloledwa kuwononga kapena kuchita zinthu zomwe mumakonda ndi ndalama zanu mutakwatirana. Ndi kubisala kwa mnzanu ndi kunyalanyaza zotsatira za zosankha zanu zoipa zachuma pabanja zomwe zimakhala zovuta.
Koma kodi izi zikutanthauza kuti chilichonse chomwe mumagula, ndalama zonse zomwe mumawononga popanda mnzanu kudziwa zimawerengedwa ngati kusakhulupirika kwachuma? Kodi muyenera kuyamba kulandira chilolezo cha mnzanu musanadzigulire dzungu zokometsera latte kuchokera ku Starbucks popita kuntchito? Kodi kukwatiwa ndi munthu ndiye kuti kutaya kwathunthu bungwe lanu za momwe mumagwiritsira ntchito ndalama zanu? Ayi, sizikutanthauza zimenezo. Mawu osakira apa ndi opambanitsa komanso obisika. Izi zikutanthauza kuti dzungu lanu lopaka zokometsera zokhala ndi zonona zowonjezera sizimawerengera, koma kugula zobisika komanso mopambanitsa, ngongole ndi ndalama - makamaka zomwe zimakhudza banja - chitani.
Ndiye, kodi kusakhulupirika kwachuma ndi chiyani? Kuti tikuthandizeni kumvetsetsa izi, talembapo zitsanzo zingapo za zosankha zachuma ndi zochita zomwe, zikatengedwa, zimawerengedwa ngati kusakhulupirika pazachuma:
1. Kutenga ngongole zazikulu popanda wokondedwa wanu kudziwa
Ngakhale mukuchita izi kuti mugulire malo kapena mphatso kwa mnzanu, kupita paulendo, kudzigulira nokha chinthu chapamwamba, kapena chochitika china kapena china, ndikofunikira kuti musamazindikire mnzanuyo. Ndalama zapakhomo ziyenera kulinganizidwa pamodzi chifukwa chakuti chisankho chilichonse chimene munthu mmodzi angapange chikhoza kukhudza mnzakeyo mosavuta.
Ngati muli ndi ngongole kapena mwatenga ngongole yochuluka kapena mukukonzekera kutero, lankhulani ndi mnzanuyo za izo. Pezani maganizo awo ndi malangizo. Ganizirani zotsatira za chisankho chanu. Kumbukirani, ngati mutenga ngongole yayikulu ndikulephera kulipira, mutha kukhudza banja lonse. Choncho, ngati mutengabe zosankha zoterezi mobisa, zimawerengedwa ngati kusakhulupirika kwachuma.
2. Kugula katundu ndi katundu mobisa
Anthu ena amakonda kusunga ndalama ndi katundu wawo pakagwa mwadzidzidzi ndipo palibe vuto. Koma chomwe sichili bwino (ndipo chimawerengedwa ngati kusakhulupirika kwachuma) ndikugula katundu ndikuyika ndalama zambiri pazinthu popanda kuuza mnzanu za izo. Ndikofunikira kuyankhulana ndi okondedwa anu momwe mulili pazachuma komanso zisankho zanu kuti muthe kuyendetsa banja ndikukonzekera zam'tsogolo moyenerera.
Chifukwa chake, ngati mukufuna kubisa katundu wanu - mwadzidzidzi kapena mwanjira ina - kwa mnzanu, dzifunseni komwe kukufunako kukuchokera. Kodi simukhulupirira okondedwa anu pankhani yazachuma…kapena zambiri? Kodi mukuchita izi chifukwa chodzitchinjiriza kapena mopanda chitetezo? Kuwunika momwe zinthu zilili kungakuthandizeni kumvetsetsa vuto ndikukambirana ndi mnzanuyo. Ndiye mwina mungagwire ntchito limodzi kukonza.
3. Kugwiritsa ntchito ndalama pazinthu zapamwamba
Apanso, sitikunena kuti simuloledwa kuwononga ndalama nokha. Koma, ngati banjalo likuvutika, kapena mukutenga ndalama (makamaka ndalama zomwe zimayenera kusamalira ndalama zapakhomo) kuchokera muakaunti yabanja popanda mnzanuyo kudziwa ndikuzigwiritsa ntchito pazinthu zapamwamba, kaya inuyo kapena ena, mukuchita kusakhulupirika pazachuma.
Tsopano ngati mukufunadi kuti Louis Vuitton thumba kapena chinthu china mofanana wapamwamba, chimene mungachite m'malo ndi kungolankhulana ndi mnzanuyo poyamba m'malo mobisa ndalama kuti. Kulankhulana ndi mnzanuyo kudzakuthandizani kumvetsetsa ngati inu ndi banja lanu mungakwanitse kugula chinthucho panthawiyo. Ngati mukufunadi kupita ku wotchi yokwera mtengoyo kapena ulendo, mwina awirinu mutha kukonzanso ndalama zina kuti mutha kutero popanda kusokoneza banja kapena kusokoneza kukhulupirirana kwa mnzanu.
4. Kutchova njuga
Kutchova njuga nthawi zonse kumapangitsa kuti pakhale vuto lazachuma. Koma ngati mukutchova njuga nthawi zonse potenga ndalama zambiri kuchokera muakaunti yabanja popanda kudziwitsa mnzanu za izo, ndiye kuti zimachoka pakukhala chabe kusakhulupirika kwachuma mpaka kuwerengedwa ngati kusakhulupirika pazachuma.
Ngakhale kuti anthu ena amatchova juga ndi ndalama zing’onozing’ono nthawi ndi nthawi kuti azisangalala, malinga ngati ndalamazo sizikhala zazikulu, sizimatuluka m’ndalama zapakhomo, ndipo sizichitika kawirikawiri popanda wokwatirana naye kudziwa, zili bwino. Kutchova njuga, ngakhale kuli koopsa, nthawi zina kumatheka, koma mopanda malire. Komabe, ngati mukuchita pamlingo womwe umayika ndalama za banja lanu pachiwopsezo pomwe mnzanu amakhalabe mosangalala sadziwa zomwezo, zimawerengedwa ngati kusakhulupirika kwakukulu kwachuma.
5. Kugulira ena mphatso mopambanitsa
Izi zitha kuchitika kuti muwonetsere kapena kusunga mbiri yanu pakati pa anzanu ndi anzanu. Izi zingaphatikizepo chilichonse kuyambira mphatso zaukwati mpaka mphatso za tsiku lobadwa. Ngati mnzanuyo akugula zinthu zodula kwambiri za tsiku lobadwa la mnzake kuti awonekere pakati pa anthu ndipo ngati azichita popanda kukudziwitsani, makamaka pamene akudziwa kuti banja lingagwiritse ntchito ndalamazo, zomwe zimawerengedwa ngati kusakhulupirika kwachuma.
Wokondedwa wanu athanso kupeza kuti akugulira mphatso zodula kwa munthu yemwe amakopeka naye. Tikamaganiza za chibwenzi, timakonda kuganiza motsatira thupi. Koma ngakhale mnzakoyo sakugona ndi mlembi wake koma kumamugulira mphatso mopambanitsa uku akukubisirani, kumawerengedwa ngati kusakhulupirika pazachuma.
N'chiyani Chimayambitsa Kusakhulupirika pa Zachuma?
Chifukwa chiyani kusakhulupirika pazachuma kumachitika? Zifukwa zachinsinsi pazachuma m'maubwenzi zimakhala zosiyanasiyana. Anthu ambiri omwe amalephera kusunga kuwonekera bwino pazachuma m'maubwenzi awo amanena kuti ndi cholinga chopewa kukangana pazachuma . Komabe, chomwe anthu ambiri sachiwona ndichakuti mikangano ndi mikangano imeneyi si mavuto enieni.
Izi ndizizindikiro za zinthu zakuya, zoyambira, zomwe ndizomwe zimayambitsa kusakhulupirika kwachuma.
Zina mwazinthu zomwe zimayambitsa kusakhulupirika pazachuma ndi izi:
- Kusakhulupirira: Kuopa kumenyana ndi ndalama nthawi zambiri kumabwera chifukwa cha kusamvetsetsana pakati pa okwatirana pa nkhani za ndondomeko ya zachuma
- Zolinga zosiyanasiyana: Ngati mwamuna ndi mkazi alibe zolinga zandalama, chinsinsi chimayamba kuonekera. Mwachitsanzo, mmodzi amafuna kuti azigula zovala, maholide apamwamba, maphwando, chakudya, pamene wina akufuna kusunga ndalama zonse kuti apeze tsogolo labwino.
- Kulakwa: Tiyerekeze kuti ndalamazo zakhala zolimba ndipo mnzawo wina amawombera pa chinthu chomwe winayo angachiwone ngati chopanda pake, mwayi wobisa zomwe zikuchitikazi umakhala waukulu. Musanadziwe, kubisira mwamuna kapena mkazi wanu ndalama kumakhala chizolowezi
- Chizolowezi: Kuledzera kwamtundu uliwonse, zikhale choncho mowa, mankhwala osokoneza bongo, kutchova njuga ngakhale kugula zinthu, kumawononga ndalama zambiri. Nthawi zambiri, omwerekera amawona mabodza ndi chinyengo ngati njira yokhayo yobisira njira zawo. Kumbali ina, mnzake wosakonda chizoloŵezi akhoza kuyamba kubisa ndalama kwa wokondedwa wawo kuti adzipulumutse ku mavuto azachuma
- Kusafanana kwa ndalama: Ngati m'modzi apeza ndalama zambiri kuposa mnzake, angayambe kuipidwa ndi udindo waukulu wazachuma. Angayambe kuwononga ndalama mobisa kuti athetse chiwongoladzanja. Kapena mnzanu amene amapeza ndalama yemwe angayang'anire zigamulo zonse zachuma, ndipo mnzakeyo angayambe kuwononga ndalama mobisa kuti athe kulamuliranso
- Nkhani: Ngati mnzawo ali ndi chibwenzi, alibe chochita koma kuchita chigololo chandalama kuti asunge zolakwa zawo. Mabilu a hotelo, mphatso, chakudya chamadzulo, tchuthi - zonse ziyenera kulipidwa mwanzeru
Kuwerenga Kofanana: Malangizo a Ndalama ndi Ukwati: Njira 12 Zosankhira Ndalama Muukwati Ndikukula Molemera
Kodi Zizindikiro Za Kusakhulupirika mu Ubwenzi Ndi Chiyani?
Kusakhulupirika pazachuma kumabweretsa kusudzulana kapena kupatukana kwa okwatirana pamilandu yochulukirapo. Ngakhale ngati, okwatirana asankha kukhala pamodzi, khalidwe la ubale wawo mosakayikira limatenga kugunda. Osanenapo zowopsa zomwe zingatengere chitetezo chanu chamtsogolo ndi kukhazikika.
Poganizira zinthu izi, n'zosakayikitsa kunena kuti chinsinsi cha zachuma m'maubwenzi chingakhale chovulaza monga chinyengo kapena kusakhulupirika m'maganizo , ngati sichoncho. Popeza zilinso zofala, kuphunzira kuzindikira zizindikiro zowopsa asanayambe chibwenzi kungathandize maanja kupulumuka kusakhulupirika m'zachuma.
Nazi zizindikiro 10 zapamwamba za kusakhulupirika pazachuma zomwe muyenera kuziganizira:
1. Kusamveka bwino za ndalama za okondedwa
Mosasamala kanthu kuti muli pabanja kapena muli pachibwenzi kwa nthawi yayitali, ngati ndalama zanu ziphatikizidwa, payenera kukhala poyera kuti aliyense amalandira ndalama zingati.
Kodi mukudziwa kuti wokondedwa wanu amapanga ndalama zingati? Kodi mwawona malipiro awo kapena zikwapu? Nanga bwanji ma statement awo aku banki? Kodi amakambirana nanu za bonasi ndi kukwezedwa kwa malipiro? Zonsezi ndi zofunika kwambiri kuti tisamachite zinthu moonekera pazandalama.
Ngati simukudziwa mayankho a mafunsowa, ichi ndi chimodzi mwa zizindikiro zoonekeratu za kusakhulupirika kwachuma muubwenzi.
2. Simudziwa komwe ndalamazo zimapita
Inu ndi mnzanu mungakhale mukupereka gawo la ndalama zomwe mumapeza kuti mugwiritse ntchito ndalama zomwe mumagawana . Koma bwanji za zina? Kodi mukudziwa momwe mnzanuyo amagwiritsira ntchito ndalama zotsalazo? Ndipo kodi amadziwa? Chifukwa cha kusamveka bwino kumeneku, kodi mwadzifunsapo kuti kodi kubisa ndalama kwa mnzanu kapena mnzanu n'kulakwa?
Ngati ndalama zambiri zomwe wina aliyense amapeza sizikudziwika, muyenera kukambirana ndi mnzanu za izo. Mtundu woterewu wachinsinsi wachuma mu maubwenzi nthawi zambiri umabweretsa mavuto.
Kuwerenga Kofanana: Amatumiza Ndalama Kwa Makolo Ake; Chifukwa Chiyani Ine Sindingathe?
3. Makhadi a ngongole, maakaunti aku banki omwe simunawadziwe
Kodi mwangopeza kumene kirediti kadi kapena akaunti yaku banki m'dzina la mnzanu yomwe simumadziwa? Sitikufuna kukuswetsani, koma izi zikusonyeza kuti mnzanuyo wakhala akuchita chiwerewere mobwerezabwereza. Kaŵirikaŵiri, chingakhalenso chogwirizanitsidwa ndi kusakhulupirika kwamalingaliro kapena kwakuthupi.
Mwinamwake ali pachibwenzi ndipo khadi la ngongole losadziwika kapena akaunti yakubanki inali njira yawo yodziwira njira zawo. Mwina ankangofuna kusunga ndalama zina. Kapena kuyesa kusunga ndalama zina zapamwamba pansi pa radar.
Ngakhale zili choncho, kutulukira koteroko kungalepheretse kukhulupirirana paubwenzi, kugwedeza maziko ake.
4. Kubisa zogula zatsopano
Kodi mudabisapo chikwama chogulira pansi pampando wagalimoto ndikuchizembera mnzako kulibe? Kapena munawaona atavala chatsopano koma atafunsidwa amati chinthucho nthawi zonse chinali mu wardrobe? Zochita izi zitha kuwoneka zosafunikira koma ndizizindikiro zotsimikizika kuti wina akuchita kusakhulupirika pazachuma.
Kudziwa kuti mukufunika kubisirana zinthu zomwe mwagula kumasonyeza kuti muli ndi mavuto enaake oti muthane nawo. Nthawi zambiri, mavutowa amapitirira kungokangana ndi kuvutika maganizo pankhani ya ndalama.
5. Kudzitchinjiriza pazandalama kumasonyeza kusakhulupirika pazachuma
Kodi wokondedwa wanu amatseka nthawi iliyonse mukafuna kukambirana za bajeti kapena ndondomeko zachuma? Kodi amapatuka pokayikira momwe mumawonongera ndalama? Kapena kusintha mutu wonse? Kudzitchinjiriza ndi kusowa kwa kufuna kukhala ndi nkhani yotseguka ndi mbendera yofiira kwambiri.
Ngati mwakhala mukukumana ndi izi pafupipafupi, muyenera kuyesa kuphwanya khoma lomwe wokondedwa wanu amamanga mozungulira iwo. Kudutsa kwa iwo ndi njira yokhayo yomvetsetsa momwe vutoli limakhalira komanso ngati ubale wanu uli ndi mwayi wopulumuka kusakhulupirika kwachuma.
6. Palibe mwayi wodziwa zambiri zawo zachuma
Ngakhale mungakhale mudagawana nawo mawu achinsinsi akubanki anu pa intaneti ndi PIN ya kirediti kadi, mnzanuyo sanakubwezereninso momasuka chimodzimodzi. Ngati muwapempha mwayi wofanana nawo, amasiya kapena amawombera pamwamba.
Khoma lachinsinsi ili ndi chizindikiro chotsimikizika kuti mnzanuyo ali ndi chobisala. Sakukunenani moona mtima za momwe alili azachuma - ndilo tanthauzo lenileni la kusakhulupirika pazachuma.
7. Mwaona ndalama zikusowa
Mwawona kuti ndalama zikusoweka, kaya kuchokera ku akaunti yolumikizana kapena thumba lazadzidzidzi kunyumba. Poyamba, mwina mumaganiza kuti ndi zolakwika pakuwerengera mbali yanu. Koma pamapeto pake, zikuwonekeratu kuti palibe chomwe chikuwonjezera.
Ngati inu ndi mnzanu ndinu anthu awiri okha omwe muli ndi mwayi wopeza ndalamazi, n'zoonekeratu kuti akukuberani . Izi zitha kukhala chizindikiro cha vuto la chizolowezi kapena ngongole yayikulu yomwe simukudziwa. Mulimonsemo, iyi ndi khalidwe loipa. Muli ndi kudzifufuza kwakukulu. Kupatula apo, ndikofunikira kuti musapitirize kunyalanyaza chizindikiro chodetsa nkhawa ichi cha kusakhulupirika pazachuma.
Lankhulani ndi mnzanuyo mukakhala otsimikiza kuti akhala akutenga ndalama popanda kuwerengera.
8. Kuchotsedwa ngati wosayina
Tiyerekeze kuti mnzanuyo ndiye amene ali ndi akaunti yayikulu pa kirediti kadi ndipo amakugwetsani mwadzidzidzi kuchokera kwa wosayina wovomerezeka pamenepo. Kapena mudali ndi akaunti yolumikizana yomwe mwachotsedwamo. Choipitsitsacho, mnzanuyo sanakambirane nanu zosankhazi kapena kukudziwitsani za izo.
Mumapeza uthenga kudzera mu imelo yochokera ku banki. Izi zidzakupangitsani kumva kudabwa, komanso manyazi. Zochita zotere zimatha kukhala nkhani yaikulu m'banja. Nkhani yomwe ingakule kwambiri mpaka kufika poti kusakhulupirika pazachuma kumabweretsa chisudzulo kapena kupatukana.
9. Iwo ali ndi chuma chimene inu simuchidziwa
Kusakhulupirika pazachuma sikungobisa ndalama kwa mnzanu. Kupanga chuma mwachinsinsi kumawononganso chimodzimodzi. Tinene kuti mnzanuyo waikapo ndalama m'katundu kapena ayamba kusinthira ndalama zambiri zomwe amasunga kukhala trust yomwe simukudziwa, ndi chizindikiro chovutitsa chomwe sichiyenera kutengedwa mopepuka.
Kuthekera kwakuti akuwona kuti ukwati wanu kapena ubale wanu watha ndipo tsopano akuyembekezera kukhala pazachuma kuti akuuzeni zimenezo, sizingathetsedwe.
Kuwerenga Kofanana: Mwamuna Wanga Ndi Wosauka Ndipo Cholinga Chake Chokha Pa Moyo Ndi Ndalama, Ngakhale Zitakhala Zowononga Ubale Wake
10. Kukambitsirana za mavuto azachuma muzongopeka
Nanga bwanji ngati mwalephera kubweza ngongoleyo ndipo nyumbayo ikanenedwa kuti yalandidwa? Kodi munaganizapo zokhala m'nyumba yaing'ono? Nanga bwanji ngati titasamukira kumalo kumene mitengo ya moyo siili yokwera kwambiri? Kodi ana ayenera kupita kusukulu ya private?
Ngati mnzanuyo akubweretsa zochitika ngati 'zongopeka' kuti adziwe zomwe mukuchita, ndi chizindikiro chodziwikiratu kuti akhoza kuona mavuto azachuma akuyandikira. Mwina, chifukwa cha zosankha zandalama zomwe zidalakwika, kuwononga ndalama mobisa, kapena moyo wopambanitsa.
Ngati, mafunso owopsawa amakankhidwa nthawi zambiri, ayang'aneni nawo, ndipo funsani zomwe zikuchitika m'malo modzidzimutsa pambuyo pake.
Poganizira za kusakhulupirika pazachuma komanso kuchuluka kwa kusudzulana, n'zoonekeratu kuti kusweka kwa chidaliro kumeneku kungawononge ubale wanu. Ndicho chifukwa chake, ngati mukuzindikira zizindikiro za kusakhulupirika pazachuma, ndikofunikira kuchitapo kanthu mwachangu. Kukambirana za vutoli ndiyo njira yokhayo yothetsera vutoli.
Muyenera kutero modekha, osatsekereza mnzanu wolakwayo kapena kukhala woneneza panjira yanu. Mwina, yalani maziko mwa kulankhula za cholinga chogawana monga kupuma msanga kapena kugula nyumba. Kenako, yang'anirani zokambirana za momwe kusakhulupirika kwachuma mobwerezabwereza kungaletsere maloto awa m'njira zawo.
Ngati kuyesetsa kwanu kuthetsa vutoli kudzera mu zokambirana kukupangitsani kukangana pankhani ya ndalama, mutha kudalira akatswiri kuti akuthandizeni.
Kodi Mungatani Ndi Kusakhulupirika Kwachuma?
Ponena za momwe mungathanirane ndi kusakhulupirika kwa mnzanu pazachuma, Joie Bose akuti muyenera kuyamba ndi kuvomereza kuti zachitika. "Iyi ndi njira ya magawo atatu. Gawo loyamba ndikungokhala pansi ndikuwona momwe zinthu zilili pano. Pezani tsatanetsatane wonse kuchokera kwa mnzanuyo."
Kodi mnzanuyo ali ndi ngongole zazikulu? Kodi zotsatira za zochita zawo ndi zotani? Kodi banja lidzakhudzidwa bwanji? Palibe chifukwa chokalipira chifukwa izi ziwonjezera mikangano. M'malo mwake mumapitilira gawo lachiwiri pomwe nonse mumapanga dongosolo lothandizira pamodzi kuti mutuluke mumkhalidwewo, monga gulu, banja, banja. Kugwirira ntchito limodzi ndi dzina la masewerawo ndipo malinga ngati mukugwira ntchito limodzi, vuto liyenera kuthetsedwa.
Gawo 3 likukhudza kukhazikitsa dongosolo popanda kuchita nawo masewera olakwa. Cholinga chokhacho chiyenera kukhala kutuluka muzochitikazo pamodzi, kulingalira njira yabwino yotulukira pamodzi. Pali mwayi woti mnzanuyo sanakuuzeni zomwe akuchita chifukwa sakudziwa zomwe mukuchita. Anthu ambiri amachita mantha ndi mmene mwamuna kapena mkazi wake akuchitira.
Choncho, musatsimikizire mantha awo. M'malo mwake thandizani. Yesetsani kupeza chifukwa chake kusakhulupirikako kudachitika. Mwinamwake iwo anachita izo kuti akugulireni chinachake. Nthawi zina amuna sauza akazi zosankha zawo pazachuma chifukwa chokondera kapena zikhulupiriro zomwe amayi samamvetsetsa zandalama. Kapena mwina adachita izi kuti atukule chikhalidwe chawo.
Kaya chifukwa chake chinali chotani, ndikofunikira kuunika kuti mumvetsetse chifukwa chomwe sanakhulupirireni kuti abwere kwa inu. Chifukwa chake, dongosolo loyamba la bizinesi lingakhale kupeza chidaliro cha mnzanu. Kuti muli limodzi mu izi. Ziribe kanthu mtundu wa kusakhulupirika, chimodzi mwa zifukwa zazikulu zomwe anthu amachitira ndi chifukwa salandira chithandizo kuchokera kwa okwatirana. Ngati mwamuna kapena mkazi wake sakuwanyoza koma amawathandiza m’malo mwake, kusakhulupirika sikungachitike.
Mawu ofunika kwambiri ndi kulankhulana. Ngati mmodzi wa okwatiranawo ali ndi mbiri yosamvetsetsa, ndiye kuti winayo sangabwerenso kwa wokondedwa wawo asanatenge zisankho. Choncho, musalole kuti mavutowa apitirire. Khalani wochirikiza ndi womvetsetsa. Kusakhazikika kwachuma ndizovuta kwambiri. Zingayambitse kupsinjika maganizo, nkhawa, ndi kukhala chifukwa cha kupsinjika maganizo kwakukulu.
Choncho, m’malo mowonjezera kupsinjika maganizo, thandizani mnzanuyo kupirira. Ngati pali ngongole yomwe ikufunika kulipidwa, gulitsani zodzikongoletsera zanu. Tengani ngongole kubanki kuti mulipire mashaki angongole. Kwenikweni, konzani ndikuthana ndi mavutowo limodzi. Malingana ngati mukulankhulana ndi kumverana chisoni, palibe mphepo yamkuntho yomwe simungathe kupirira pamodzi. "
Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse lapansi kuphunzira momwe angachitire chilichonse.
