Ndalama zitha kukhala chinthu chabwino kwambiri, zingakuthandizeni kukhala ndi moyo wokhazikika. Zingatsimikizire kuti mwavala zovala, kudyetsedwa, komanso kuti muli ndi zinthu zabwino zomwe mungathe kuzisonkhanitsa. Zingakupatseni zokumana nazo. Ndalama zingayambitsenso vuto lalikulu losintha zinthu. Zingayambitse kusalankhulana. Kaya ndi zambiri kapena zochepa, ndi kusintha kukhala ndi ndalama. Maukwati ambiri amakhudzidwa ndi mavuto azachuma. Pali zizindikiro zina zachuma muubwenzi zomwe maanja saziona mpaka zitachedwa. Mu kafukufuku yemwe adachitika ku US adapeza kuti amuna 65 pa 100 ndi akazi 52 pa 100 anali ndi nkhawa ndi mavuto azachuma. Kafukufukuyu adachitika pakati pa anthu 1,686 omwe adayankha.
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 kuswa ubale. Ndalama ndi chinthu chofunikira kwambiri paubwenzi ndipo momwe mumaonera ndalama ngati banja zimathandiza kwambiri kudziwa ngati mudzakhala ndi banja losangalala kapena mudzakhala ndi mavuto. Mwachitsanzo, Sunit ndi Rita (dzina lasinthidwa) adakwatirana pomwe ankagwira ntchito yofanana mu ofesi imodzi. Kenako adasamukira limodzi kunja ndipo onse awiri adapeza ntchito komwe Sunit amalandira ndalama zambiri kuposa Rita koma nthawi zonse zinali "ndalama zathu" kwa iwo kotero anali okondwa ndi ndalama zawo zonse zomwe adasunga komanso zomwe adayika. Atabwerera ku India, Sunit adaganiza zopuma. Rita ankaganiza kuti zingakhale kwa chaka chimodzi koma kupumako kunakulitsidwa mpaka zaka zisanu ngakhale kuti Sunit nthawi zambiri ankagwira ntchito yodziyimira pawokha.
Koma Rita tsopano akumva kuti Sunit sakutenga udindo waukulu wazachuma monga momwe ayenera kukhalira ndipo iye akuyendetsa pulogalamuyo ndikumuswa mutu chifukwa cha nkhani zandalama. Ubale wachikondi komanso wosamala wasintha pakati pawo tsopano. Ngakhale kuti pakuwonekeratu mavuto azachuma muubwenziwo sakuonekera koma nkhani zandalama zawachotsera chisangalalo chawo chachikulu.
Kuwerenga Kofanana: Njira 15 Zanzeru Zosungira Ndalama Monga Banja
Njira 6 Zokhudza Ndalama Zingawononge Ubale
Ndalama zimatha kusokoneza ubale. Zizindikiro zowopsa zimawonekera pamene njira zogwiritsira ntchito ndalama za okwatirana zili zosiyana kapena ngati mnzawo m'modzi ali ndi mphamvu zambiri pa ndalama zake ndipo wina ndi wosagwiritsa ntchito ndalama mwanzeru. Chifukwa china chomwe maanja amalekana ndi pamene alibe zolinga zofanana pazachuma. Kodi ndalama zimathetsa ubale? Inde zimathetsa ubale. Tikambirana zonsezi m'nkhani 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.
Kenako kugula kumeneku kumakhala chizolowezi. Kufunika kugula zinthu zambiri kumapangitsa kuti ubale ukhale wovuta ndipo anthu sasangalalanso ndi zinthu zosavuta monga kuyenda paki kapena khofi ku cafe. Ngati sangathe kugula zinthu monga banja, sasangalala.
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 mavuto azachuma mtsogolo. Chifukwa kukhala ndi cholinga chimodzi kumatanthauza kugwira ntchito limodzi kuti chikwaniritse cholingacho. Izi zitha kukhala ndalama zambiri monga kugula nyumba, galimoto kapena kugwiritsa ntchito ndalama pa maphunziro a ana kapena kusunga ndalama zopuma pantchito. Koma nthawi zambiri zimachitika kuti maanja sakambirana zolinga zawo ndipo amafuna zinthu zosiyana. Ngakhale mkazi angafune kukhazikika m'nyumba yayikulu, mwamunayo angakhale akuganiza zopita ku Europe. Mavuto azachuma muubwenzi amachitika 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.
Chopereka chanu sichikutanthauza chopereka chachifundo . Chidzalola Bonobology kupitiliza kukubweretserani chidziwitso chatsopano komanso chaposachedwa poyesetsa kuthandiza aliyense padziko lonse 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.