Imali ingaba yinto enhle kakhulu, ingakusiza ngempilo ezinzile. Ingaqinisekisa ukuthi uyagqoka, wondliwe, nokuthi unezinto ezinhle ongaziqongelela. Ingakuthengela okuhlangenwe nakho. Imali ingabangela nenkinga enkulu yokulungisa. Ingabangela ukuntuleka kokuxhumana. Kungakhathaliseki ukuthi kuningi kakhulu noma kuncane kakhulu, kuyindlela yokulungisa ukuhlala nemali. Imishado eminingi iphazanyiswa yizinkinga zemali. Kunezimpawu ezithile zezimali ebuhlotsheni imibhangqwana engaziqapheli kuze kube sekwephuzile. Ocwaningweni olwenziwe e-US kutholakale ukuthi amadoda angu-65% kanye nabesifazane abangu-52% babecindezelekile yizinkinga zemali. Ucwaningo lwenziwe phakathi kwabaphenduli abangu-1,686.
Imali Ibuthinta Kanjani Ubudlelwano?
Okuqukethwe
Umuzwa wobunikazi abantu abawuzwayo mayelana nemali abayenzayo noma ifa unemibala ehlukile. Umqondo welungelo uhlukile. Yebo imali iyisakhiwo somphakathi kanye nento engaphili, kodwa uma izingxoxo ziphenduka 'Imali yakho!' noma 'Imali yami!' kuthanda ukufaka ubunzima ebuhlotsheni.
Imali ingenza noma iphule ubudlelwano. Imali iyisici esibaluleke kakhulu ebudlelwaneni futhi indlela enibheka ngayo imali njengombhangqwana isisiza kakhulu ekuqinisekiseni ukuthi nizoba nomshado ojabulisayo noma nizogcina ninezinkinga. Isibonelo, uSunit noRita (igama lishintshiwe) bashada lapho besebenza ezingeni elifanayo ehhovisi elifanayo. Base bethuthela ndawonye phesheya futhi bobabili bathola imisebenzi lapho uSunit ehola khona imali engaphezu kukaRita kodwa kwakuhlale "kuyimali yethu" kubo ngakho babejabule ngayo yonke imali yabo abayilondolozile kanye nezimali abazitshalile. Lapho bebuyela eNdiya, uSunit wanquma ukuthatha ikhefu. URita wayecabanga ukuthi kuzoba unyaka kodwa ikhefu lanwetshwa laba iminyaka emihlanu yize uSunit wayevame ukuthatha umsebenzi wokuzimela.
Kodwa uRita manje unomuzwa wokuthi uSunit akasathathi umthwalo wemfanelo omkhulu wezezimali njengoba kufanele abe njalo futhi uqhuba umbukiso futhi uyamphula ikhanda ngezindaba zemali. Ubudlelwano bothando nokunakekela bushintshile phakathi kwabo manje. Nakuba kubonakala sengathi ukucindezeleka kwezezimali ebuhlotsheni akubonakali kodwa izinkinga zemali zisuse injabulo enkulu kubo.
Ukufunda Okuhlobene: Izindlela Eziyi-15 Ezihlakaniphile Zokonga Imali Njengombhangqwana
Izindlela Eziyisi-6 Zezindaba Zemali Ezingonakalisa Ubudlelwano
Imali ingaqeda ubudlelwano. Izimpawu ezibomvu ziyabonakala lapho izindlela zokusebenzisa imali zabalingani zihlukile noma lapho omunye umlingani enelungelo elikhulu ngemali yakhe kanti omunye engonga imali. Esinye isizathu esenza imibhangqwana ihlukane yilapho ingenazo izinhloso ezifanayo zezimali. Ingabe imali iyawuqeda ubudlelwano? Yebo iyawuqeda. Sizoxoxa ngakho konke lokho kula maphuzu alandelayo.
1. Ukuhlanganiswa kwezimpahla
Emishadweni eminingi, ngokusemthethweni izimpahla zakho zihlanganiswa. Imithetho yesehlukaniso ngokwesilinganiso ithi imali umbhangqwana oyizuze ndawonye, futhi ephindwe phakathi nomshado idinga ukuhlukaniswa ngokulinganayo. Ukuhlanganisa izimpahla zezimali kungaba kuhle ngenxa yezizathu zentela nokunye okusemthethweni kodwa kungenza kusebenze imizabalazo ethile yamandla ebuhlotsheni obungase bube muncu. Lokhu akusho ukuthi amafa akufanele ahlanganiswe. Angahlanganiswa kodwa izingxoxo ezisizungezile kufanele zibe ezivuthiwe, ezicacile nezithembekile.
Futhi kubalulekile ukugcina ama-akhawunti asebhange ahlukene naphezu kokuhlanganiswa ngoba uma bobabili ozakwethu behola kufanele babe nokuthile abangakubiza ngokuthi nabo.
2. Izimo zengqondo ezehlukene ngemali
Indlela abantu ababuka ngayo imali futhi bayisebenzise ngayo incike kakhulu. Ukuphila ngokwamandla akho kubhekwa njengokuhlakanipha kodwa kusukela kwasungulwa ikhadi lokuthenga ngesikweletu, isikweletu sesiyinto engokoqobo emnothweni emhlabeni wonke. Lapho umlingani oyedwa eqapha ngemali kanti omunye uyisebenzisa kakhulu, kuba nezingxabano. Lokhu kwenzeka futhi lapho omunye wabalingani ehlakaniphe kakhulu, aze enze njengesikhohlakali. Akekho ofuna isikweletu siqoqwe, ukuba lukhuni kwezimali kungenza ngisho into engajwayelekile njengokuthi ukuthenga igilosa kube umbango. Ukujabulela imali oyisebenze kanzima, hhayi ukuchitha ngokweqile kuyinto engazuzwa lapho bobabili abalingani bexhumana. Njengokudla ne-yoga, ngakho-ke emalini nasempilweni, ibhalansi iyikho konke.
3. Izinto phezu kwemizwa
Ukuthengwa kwempahla kungenzeka kube yimbangela yenkathi yegolide emlandweni, kodwa kancane kancane siqala ukuqaphela umthelela wako omubi emvelweni, emphakathini ngisho nasebudlelwaneni. Njengoba sizama ukuthenga amagajethi amasha, acwebezelayo, abizayo njalo, asigcini nje ngokudala imfucuza eyengeziwe engakwazi ukucekelwa phansi, kungenzeka futhi ukuthi sivala imizwa yethu. Ngokuzayo uma uya enxanxatheleni yezitolo ngempelasonto ubheka eduze kwakho, izithandani ezifanayo ezinemisebenzi yezinkampani zingena enxanxatheleni yezitolo ndawonye, zihamba zithenga izinto okungenzeka zingazisebenzisi ziphindele emuva, kuthule cwaka. Bakhuluma kunjalo kodwa abakhulumi. Bashayele khona, bagcwalise ibhuthi yemoto ngezinto, baphindele ekhaya. Cishe iwumshini. Isikhathi sokuphumula ngempelasonto ebesingasetshenziswa sikhuluma sesidliwa ngokuthenga izinto.
Khona-ke lokhu kuthenga kuba umkhuba. Isidingo sokuthenga kakhulu sidala ukucindezeleka ngokwezimali ebudlelwaneni bese abantu bengasajabuli ngezinto ezilula njengokuhamba epaki noma ikhofi ekhefini. Uma bengakwazi ukuthenga njengombhangqwana abajabuli.
4. Ingcebo engazelelwe
Ukuguqulwa kwenhlanhla noma ukuwina ilotho noma ukulahlekelwa yonke imali yakho akulula neze. Zingase zibukeke njengezinto ezimbili eziphambene kodwa ziyizinguquko ezimbi kakhulu ezithinta ubudlelwano ngendlela efanayo. Abantu bayashintsha futhi izinto eziza kuqala kubo ziyashintsha lapho kungena imali ngokuzumayo. Ngakolunye uhlangothi, ubunzima bezezimali buza abantu ekuhlolweni kwengcindezi esheshayo futhi akubona bonke abaphumelela.
Kungakhathaliseki ukuthi nigcina nisolana ngokulahlekelwa ngokwezimali noma nilahlekelwe isisekelo enivumelana ngaso ngenxa yokuthi nobabili nishintshile ngenxa yengcebo, ukushintsha kwezimali kungazelelwe kuyabuthinta ngempela ubuhlobo.
5. Imigomo yezezimali njengombhangqwana
Abantu abanemigomo efanayo yezezimali bayasinda ezinkingeni zemali ngokuhamba kwesikhathi. Ngoba ukuba nomgomo ofanayo kusho ukusebenzela ndawonye. Lokho kungaba ukutshalwa kwezimali okukhulu njengokuthenga indlu, imoto noma ukusebenzisa imali emfundweni yezingane noma ukonga imali yomhlalaphansi. Kodwa kuvame ukwenzeka ukuthi imibhangqwana ayixoxi ngemigomo yayo futhi ifuna izinto ezahlukene. Nakuba umfazi engase afune ukuhlala endlini enkulu, indoda ingase icabange ngohambo lwaseYurophu. Izinkinga zemali ebudlelwaneni zenzeka lapho imigomo ingavamile.
I-6. Ukuziphendulela
Ukuziphendulela kungaba yinkinga enkulu uma kuziwa ezindabeni zemali. Kwesinye isikhathi kuyenzeka ukuthi uma unkosikazi engusokhaya futhi umyeni ehola afune ukuthi aziphendulele ngayo yonke isenti ayisebenzisayo. Kodwa kungenzeka ukuthi uchitha isikhathi samaholide okudoba nabangane noma ebusuku endaweni yokucima ukoma acabanga ukuthi akudingeki aphendule ngakho. Futhi, uma bobabili abashadile behola kulungile ukusebenzisa imali encane ngaphandle kokwazisa omunye umngane womshado kodwa uma sekufika ekusetshenzisweni okukhulu kubalulekile ukuxoxisana nokuthenga izinto ndawonye ukugwema ukungqubuzana ngezindaba zemali.
Ukuziphendulela ebudlelwaneni kubaluleke kakhulu. Abashadile kufanele baxoxelane ngezindleko zabo ukuze kungakhi amagqubu ebudlelwaneni.
Imali iyinto umbhangqwana okufanele ubhekane nayo njalo ebudlelwaneni futhi uma bengenangqondo ngokuyiphatha kusho ukuthi izindaba zemali zingase ziphule ubuhlobo. Izehlukaniso ziye zenzeka lapho inkosikazi inomuzwa wokuthi wonke umholo womyeni wayo uyisebenzisela umkhaya wayo noma umyeni uye walawula izimali zomfazi ngisho noma eyithola.
Ukuhlela izimali zakho ndawonye kanye nokuxhumana ngokucacile, ngaphandle kwe-ego kanye nemidlalo yamandla kubalulekile lapho nisebenza ngemali njengombhangqwana. Uma ungaliboni ifulegi elibomvu ngesikhathi, izinkinga zemali zingase zonakalise ubuhlobo bakho.
Umnikelo wakho awuyona iminikelo yokusiza . Kuzovumela i-Bonobology ukuthi iqhubeke nokukulethela ulwazi olusha nolusesikhathini njengoba sifuna ukusiza noma ubani emhlabeni ukuthi afunde ukwenza noma yini.
Imali ingenza ubuhlobo bube mnandi, futhi ngesikhathi esifanayo bube muncu. Umuntu kufanele aqaphele uma kuhilela imali. Kungesinye sezizathu ezenza imishado yosaziwayo ingahlali
Ukubeka ubuhlobo bakho kuqala kunezinto ezibonakalayo kubalulekile. Ukufinyelela ukulingana kokubaluleka okunikeza ubuhlobo bakho nezici zabo zezimali kuyingxenye ebalulekile yokuba sebudlelwaneni obuphumelelayo
Ngempela! Kulapho ubuqiniso buhlula khona uthando. UTHANDO LUNQOBA KONKE FUTHI IMALI LUNQOBA UTHANDO, funda esinye isihloko lapha. VUMA. Imali inamandla ngokwedlulele. Inamandla amakhulu okwenza nokuphula izinto ezihlanganisa ubudlelwano.
Vumelana ngokuphelele ukuthi imali ingaba yisitha esibi kakhulu ebudlelwaneni. Ukuxhumana kuyisihluthulelo futhi ukuqonda omunye nomunye udinga nakho kubalulekile. Ngicabanga ukuthi ukuvala igebe nokuthola indawo emaphakathi mayelana nokonga nezindleko kubalulekile.
Lokhu kuyiqiniso kakhulu. Wonke umqondo we-a, b yami, yonke into yami ibuhlungu. Imali iyindaba ebucayi kakhulu ebudlelwaneni njengoba inganqamula ubudlelwano ngokushesha kunokubenza. Kuyiqiniso elimsulwa ukuthi izinto ziya eNingizimu uma kunengxoxo ngemali
Empeleni ukukhuluma ngemali noma ngezezimali akumnandi kodwa kubucayi ngempela. Kodwa enginomuzwa wokuthi izithandani kufanele zikhulume ngayo futhi ibaluleke kakhulu kodwa ngendlela evuthiwe nenenhlonipho. Izinkinga zezimali kanye nokungezwani kungenye yezingxabano ezivame kakhulu futhi zingonakalisa ubudlelwano. Ngakho-ke, udinga ukwethembeka futhi uvuthwe ngempela ukuze ukhulume ngendaba yemali nomlingani wakho.