Ndalama zingakhale zabwino kwambiri, zingakuthandizeni kukhala ndi moyo wokhazikika. Ikhoza kutsimikizira kuti mwavala, kudyetsedwa, kuti muli ndi zinthu zabwino zomwe mungathe kudziunjikira. Ikhoza kukugulirani zochitika. Ndalama Zingayambitsenso vuto lalikulu losintha. Zingayambitse kusamvana. Kaya ndizochuluka kapena zochepa, ndikusintha kuti mukhale ndi ndalama. Mabanja ambiri amasokonezeka ndi nkhani zandalama. Pali mbendera zofiira zandalama muubwenzi zomwe maanja samazindikira mpaka nthawi itatha. Mu a kafukufuku zomwe zidachitika ku US zidapezeka kuti amuna 65 pa 100 aliwonse ndi amayi 52 pa 100 aliwonse anali kupsinjika ndi nkhani zandalama. Kafukufukuyu adachitika pakati pa anthu 1,686 omwe adafunsidwa.
Kodi Ndalama Zimakhudza Bwanji Maubwenzi?
M'ndandanda wazopezekamo
Lingaliro la umwini lomwe anthu amamva ndi ndalama zomwe amapanga kapena cholowa zimasiyana mosiyanasiyana. Lingaliro la kuyenerera ndi losiyana. Zoonadi ndalama ndizomangamanga komanso zopanda moyo, koma zokambirana zikatembenukira ku 'Ndalama zanu!' kapena 'Ndalama zanga!' zimakonda kusokoneza ubale.
Ndalama zimatha kupanga kapena kusokoneza maubwenzi. Ndalama ndizofunikira kwambiri paubwenzi komanso momwe mumawonera ndalama ngati okwatirana amapita kutali kuti adziwe ngati mudzakhala ndi banja losangalala kapena mudzakhala ndi zovuta. Mwachitsanzo Sunit ndi Rita (dzina lasinthidwa) anakwatirana pamene ankagwira ntchito pamlingo wofanana mu ofesi imodzi. Kenako adasamukira kudziko lina ndipo onse adapeza ntchito komwe Sunit adapeza ndalama zochulukirapo kuposa Rita koma nthawi zonse zinali "ndalama zathu" kwa iwo kotero anali okondwa ndi ndalama zawo zonse ndi ndalama. Atabwerera ku India Sunit anaganiza zopumula. Rita ankaganiza kuti zikhala kwa chaka chimodzi koma nthawi yopuma idapitilira zaka zisanu ngakhale Sunit nthawi zambiri ankagwira ntchito yodziyimira pawokha.
Koma Rita tsopano akuona kuti Sunit sakutenga udindo wochuluka wa zachuma monga momwe ayenera kukhalira komanso akuyendetsa ziwonetserozo ndikuphwanya mutu wake pazandalama. Ubale wachikondi, wosamala wasintha pakati pawo tsopano. Ngakhale kuti pamwamba mavuto azachuma muubwenzi samawonetsa koma nkhani zandalama zawachotsera chisangalalo chachikulu.
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Njira 6 Zokhudza Ndalama Zingawononge Ubale
Ndalama zimatha kuthetsa maubwenzi. Mbendera zofiira zimawoneka ngati momwe amawonongera abwenzi akusiyana kapena bwenzi m'modzi ali ndi ndalama zambiri ndipo wina amawononga ndalama. Chifukwa china chimene okwatirana amalekana ndi pamene alibe zolinga zachuma zofanana. Kodi ndalama zimathetsa ubale? Inde zimatero. Tikambirana zonsezi mu mfundo zotsatirazi.
1. Kuphatikiza katundu
M’maukwati ambiri, mwalamulo zinthu zanu zimaphatikizidwa. Malamulo a chisudzulo pa avareji amati ndalama zimene okwatiranawo anapezera pamodzi, ndi zimene zinachulukitsidwa m’kati mwa ukwatiwo ziyenera kugawidwa mofanana. Kuphatikiza chuma chachuma kumatha kukhala kwabwino pazifukwa zamisonkho ndi malamulo ena koma kumatha kuyambitsa mikangano ina yamphamvu muubwenzi womwe ungakhale wowawa. Izi sizikutanthauza kuti katundu asaphatikizidwe. Zitha kuphatikizidwa koma zokambirana zozungulira ziyenera kukhala zokhwima, zomveka komanso zowona mtima.
Ndikofunikiranso kusunga maakaunti aku banki osiyana ngakhale mutaphatikizana chifukwa ngati onse awiri akupeza ndalama ayeneranso kukhala ndi kena kake komwe angatchule.
2. Makhalidwe osiyanasiyana pa nkhani ya ndalama
Mmene anthu amaonera ndalama ndi kuzigwiritsa ntchito n'zofunika kwambiri. Kukhala ndi moyo malinga ndi zimene mungakwanitse kumaonedwa kuti n’kwanzeru koma chiyambireni kupangidwa kwa khadi la ngongole, ngongole zakhala zenizeni m’zachuma padziko lonse. Mmodzi akakhala wosamala ndi ndalama ndipo winayo amakhala wowononga ndalama zambiri, mikangano imayamba. Izi zimachitikanso ngati m'modzi mwa okwatiranawo ali wanzeru kwambiri, mpaka kuchita zinthu ngati wonyozeka. Palibe amene amafuna kuti ngongoleyo iunjike, kukhala wopanikiza kwambiri ndi ndalama kungapangitse ngakhale zinthu zachibadwidwe ngati kugula zinthu kukhala mkangano. Kusangalala ndi ndalama zomwe mwapeza movutikira, osati kuwononga ndalama zambiri ndi zomwe zingatheke pamene onse awiri amalankhulana. Monga mu chakudya ndi yoga, kotero mu ndalama ndi moyo, bwino ndi chirichonse.
3. Zinthu pamalingaliro
Consumerism ingakhale imayambitsa mbiri yakale, koma tikuyamba pang'onopang'ono kudzuka ndi zotsatira zake zoipa pa chilengedwe, anthu komanso maubwenzi. Pamene tikuyesera kugula zida zatsopano, zonyezimira, zodula pafupipafupi, sikuti tikungopanga zinyalala zambiri zomwe sizingawonongeke, titha kubisanso momwe tikumvera. Nthawi ina mukapita kumsika Loweruka ndi Lamlungu mukayang'ane pozungulira inu, maanja omwewo omwe ali ndi ntchito zamakampani amayendera limodzi m'misika, amayenda ndikugula zinthu zomwe sangagwiritse ntchito ndikubwerera, zonse zili chete. Amalankhula zoona koma samayankhula. Amayendetsa pamenepo, amadzaza buti yagalimoto ndi zinthu, amayendetsa kubwerera kunyumba. Ndi pafupifupi makina. Nthawi yopuma kumapeto kwa sabata yomwe akanatha kukambirana tsopano yadyedwa pogula zinthu.
Ndiye kugula uku kumakhala chizolowezi. Kufunika kogula mochulukira kumapangitsa kupsinjika kwachuma paubwenzi ndiyeno anthu sasangalalanso ndi zosangalatsa zosavuta monga kuyenda paki kapena khofi ku cafe. Ngati sangathe kugula ngati banja sakusangalala.
4. Chuma chadzidzidzi
Kubweza mwayi ngakhale ndikupambana lotale kapena kutaya ndalama zanu zonse sikophweka. Zitha kuwoneka ngati zinthu ziwiri zosiyana koma ndizosintha kwambiri zomwe zimakhudza maubwenzi chimodzimodzi. Anthu amasintha ndipo zinthu zomwe amaika patsogolo zimasintha pamene ndalama zadzidzidzi zibwera. Mavuto azachuma, kumbali ina, amaika anthu kupyolera mu mayesero opanikizika nthawi yomweyo ndipo si onse omwe amapambana.
Kaya mumaimbana mlandu chifukwa chakuwonongeka kwachuma kapena kusagwirizana chifukwa nonse munasintha chifukwa cha chuma, kusintha kwadzidzidzi kwachuma kumakhudza ubale wanu.
5. Zolinga zachuma monga banja
Anthu omwe ali ndi zolinga zofanana zachuma amapulumuka nkhani zandalama pakapita nthawi. Chifukwa kukhala ndi cholinga chimodzi kumatanthauza kuyesetsa kuchikwaniritsa pamodzi. Izi zitha kukhala ndalama zazikulu monga kugula nyumba, galimoto kapena kugwiritsa ntchito maphunziro a ana kapena kusunga ndalama zopuma pantchito. Koma nthawi zambiri zimachitika kuti okwatirana sakambirana zolinga zawo ndipo amafuna zinthu zosiyana. Pamene mkazi angafune kukhazikika m’nyumba yaikulu mwamunayo angakhale akuganiza za ulendo wa ku Ulaya. Nkhani zandalama muubwenzi zimachitika pamene zolinga sizili zofala.
6. Kuyankha
Kuyankha mlandu kungakhale nkhani yaikulu pankhani ya ndalama. Nthawi zina zimachitika kuti ngati mkazi ndi wosamalira pakhomo ndipo mwamuna akupeza ndalama amafuna kuti aziwerengera ndalama iliyonse yomwe akuwononga. Koma angakhale akumathera patchuthi cha usodzi ndi anzake kapena madzulo kumalo ochitiramo zakumwa zomwe akuganiza kuti safunikira kuyankha mlandu. Komanso, ngati onse awiri akupeza ndalama ndi bwino kugwiritsa ntchito ndalama zing’onozing’ono popanda kumudziwitsa mnzanuyo koma pankhani ya ndalama zokulirapo m’pofunika kukambitsirana ndi kugulira zinthuzo limodzi kupeŵa mikangano pankhani ya ndalama.
Kuyankha paubwenzi ndikofunikira kwambiri. Ŵakutorana ŵakwenera kuŵikako mahara ghawo kuti ŵaleke kughanaghanirana mu nthengwa.
Ndalama ndi chinthu chomwe banja liyenera kulimbana nalo nthawi zonse muubwenzi ndipo ngati sakhala anzeru pothana nazo ndiye kuti nkhani zandalama zitha kusokoneza ubale. Kusudzulana kwachitikadi pamene mkazi wawona kuti ndalama zonse za mwamuna wake zathera pabanja lake kapena mwamuna walamulira ndalama za mkazi ngakhale atazipeza.
Kukonzekera ndalama zanu pamodzi ndikulankhulana momveka bwino, popanda ego ndi masewera amphamvu ndizofunikira pochita ndi ndalama monga banja. Ngati simukuwona mbendera yofiira munthawi yake ndiye kuti nkhani zandalama zitha kuwononga ubale wanu.
Zopereka zanu sizikupanga zachifundo Mphatso. Zilola kuti Bonobology ipitilize kukubweretserani zidziwitso zatsopano komanso zaposachedwa pakufuna kwathu kuthandiza aliyense padziko lapansi kuphunzira momwe angachitire chilichonse.
Ndalama zingapangitse kuti chibwenzicho chikhale chokoma, ndipo panthawi imodzimodziyo chikhoza kukhumudwitsa. Munthu ayenera kusamala pankhani ya ndalama. Ndi chimodzi mwa zifukwa zomwe maukwati otchuka sakhalitsa
Kuika patsogolo ubwenzi wanu m’malo mwa zinthu zakuthupi n’kofunika. Kufika pamlingo wofunika womwe mumaupatsa ubale wanu motsutsana ndi zachuma ndi gawo lofunikira kuti mukhale paubwenzi wabwino.
Poyeneradi! Ndi pamene zenizeni zimagonjetsa chikondi. CHIKONDI CHIMAGONJETSA ZONSE NDIPO NDALAMA IMAGONJETSA CHIKONDI, werengani nkhani ina apa. VOMEREZANI. Ndalama ndi zamphamvu kwambiri. Ili ndi mphamvu yayikulu kwambiri yopanga ndikuphwanya zinthu kuphatikiza maubwenzi.
Vomerezani kotheratu kuti ndalama zitha kukhala mdani woipitsitsa paubwenzi. Kulankhulana ndiye chinsinsi komanso kumvetsetsa zosowa za wina ndi mnzake ndikofunikira. Ndikuganiza kuti kuthetsa kusiyana ndi kupeza maziko apakati pa zosunga ndi zowononga ndizofunikira.
Izi ndi zoona. Lingaliro lonse la my a, my b, zonse zanga ndi zowononga. Ndalama ndi nkhani yovuta kwambiri pachibwenzi chifukwa imatha kuthetsa chibwenzi msanga kuposa kupanga. Ndizowona kuti zinthu zimapita Kumwera kukakambirana pazachuma
Kunena zoona kulankhula za ndalama kapena nkhani zachuma si achigololo koma kwenikweni wovuta. Koma zomwe ndikuwona kuti maanja ayenera kukambirana za nkhaniyi ndipo ndizofunikira kwambiri koma mokhwima komanso mwaulemu. Mavuto azachuma ndi kusiyana ndi chimodzi mwa mikangano yofala kwambiri ndipo imatha kuwononga maubale. Choncho, muyenera kukhala oona mtima ndi okhwima kuti mukambirane za ndalama ndi mnzanuyo.