Ngaba Ungaluthenga Ulonwabo?

Umxholo

• Luphi unxibelelwano phakathi kwemali nolonwabo?
• Imali inokunyusa ulonwabo kunye nempilo kubantu abachatshazelwe bubuhlwempu
• Ngaba indlela oyisebenzisa ngayo imali ibalulekile?
• Ngaba ikhona inombolo yomlingo?
• Ezinye iindlela zokongeza ulonwabo
• Yise kude

Ngaba imali iluthenga ulonwabo? Mhlawumbi, kodwa ayingombuzo olula ukuwuphendula. Kukho izifundo ezininzi ngesihloko kunye nezinto ezininzi eziza kudlala, ezinje:

• inkcubeko
• uhlala phi
• yintoni ebalulekileyo kuwe
• uyisebenzisa njani imali yakho

Abanye bade bathi ubungakanani bemali bubalulekile, kwaye awunakuva ulonwabo olongezelelekileyo emva kokuqokelela ubutyebi obuthile.

Qhubeka ufunda ukuze ufunde ukuba uthini uphando malunga nonxibelelwano phakathi kwemali kunye nolonwabo.

Luphi unxibelelwano phakathi kwemali nolonwabo?

Izinto ezizisa ulonwabo kunokuthiwa zinexabiso langaphakathi. Oku kuthetha ukuba baxabisekile kuwe kodwa abamele ixabiso eliqhelekileyo lolonwabo kwabanye.

Imali, kwelinye icala, inexabiso eligqithisileyo. Oku kuthetha ukuba abanye bayayiqonda imali enexabiso lokwenyani lehlabathi, kananjalo, kwaye (baya kuthi) bayamkele.

Umzekelo, unokufumana uyolo kwivumba le-lavender, kodwa omnye umntu angayifumana ingathandeki. Ngamnye wenu unikezela ixabiso le-intrinsic eyahlukileyo kwivumba le-lavender.

Awunakho ukuthenga ulonwabo ngokoqobo kwivenkile. Kodwa xa imali isetyenziswa ngeendlela ezithile, njengokuthenga izinto ezikunika uyolo, ungayisebenzisa ukongeza ixabiso ngaphakathi ebomini bakho.

Ke, ukuba ivumba lelavender liyakonwabisa, unokusebenzisa imali ukuyithenga ngeendlela ezahlukeneyo kwaye uyigcine kwikhaya lakho okanye eofisini. Oko kunokukwandisa ulonwabo lwakho. Kulo mzekelo, usebenzisa imali ukuze uzise ulonwabo ngokungangqalanga.

Oku kunokusebenza kwiimeko ezininzi. Kodwa, ngelixa izinto ozithengayo zinokuzisa ulonwabo lwexeshana, azisoloko zikhokelela kulonwabo lwexesha elide okanye oluhlala luhleli.

Nazi ezinye iingxoxo ezichasene nemali yokuthenga ulonwabo.

Imali inokunyusa ulonwabo kunye nempilo kubantu abachatshazelwe bubuhlwempu

Ukujongwa kokuya kwenzeka ekuhambeni kwexesha ukuba abantu basetyhini abakumakhaya athwaxwa yintlupheko eZambia banikezelwa imali rhoqo ngaphandle kwentambo.

Okona kufunyenwe kubaluleke kakhulu kukuba, kwisithuba seenyanga ezingama-48, uninzi lwabasetyhini lwalunemvakalelo ephezulu kakhulu yempilo-ntle kunye nolwaneliseko ngempilo yabo, kubo bobabini nakubantwana babo.

Uphononongo luka-2010 olusekwe kuphando lweGallup lwabantu abangaphezulu kwama-450,000 abaphendulayo lubonisa ukuba ukwenza ingeniso ukuya kuthi ga kwi-75,000 yeedola ngonyaka kunokukwenza uzive wanelisekile ngobomi bakho. Olu phando lujonge kuphela abantu eMelika.

Omnye umntu kuvavanywa abantu kwihlabathi liphela kwaye kukhokelela kwiziphumo ezifanayo. Ngokweziphumo zophando, impilo-ntle yoluntu inokufikelelwa xa umntu efumana phakathi kwe- $ 60,000 kunye ne- $ 75,000. Isatiation inokwenzeka xa umntu efumana i $ 95,000.

Inkcubeko inokuwuchaphazela lo mqobo. Kuxhomekeke kwinkcubeko yakho, unokufumana ukonwaba kwizinto ezahlukeneyo kunomntu onexabiso lenkcubeko eyahlukileyo.

Olu pho nonongo lubonisa ukuba imali inokunceda ukuthenga ulonwabo xa isetyenziselwa ukuhlangabezana neemfuno ezisisiseko.

Ukufikelela kukhathalelo lwempilo, ukutya okunezondlo, kunye nekhaya apho uziva ukhuselekile kunokuphucula impilo yengqondo kunye neyasemzimbeni kwaye, kwezinye iimeko, kungakhokelela kulonwabo olwandileyo.

Nje ukuba iimfuno ezisisiseko zifezekiswe, nangona kunjalo, ulonwabo umntu anokulufumana kwimali.

Ngaba indlela oyisebenzisa ngayo imali ibalulekile?

Ewe! Le yintliziyo yengxoxo.

Ukuthenga "amava" kunye nokunceda abanye kungakhokelela kulonwabo. Kwaye kukho uphando olwenziweyo emva koku.

Iziphumo ezivela kuvavanyo lophando kwesi sihloko zicebisa ukuba ukuchitha imali kumava kunempahla ebonakalayo kwaye unike abanye ngaphandle kokucinga ngomvuzo kuphumela kwezona mvakalelo zolonwabo.

Oku kungathatha uhlobo lokuya ekhonsathini endaweni yokuthenga iTV entsha, okanye ukuthenga umntu omthandayo isipho esicingisisiweyo kunokuzixakekisa ngokuthenga okungxamisekileyo.

Nantsi enye into ekufuneka ucinge ngayo: Uvavanyo olubanzi loncwadi malunga neemvakalelo kunye nokwenza izigqibo kufumanise ukuba isigwebo sakho esinexabiso sento sinento yokwenza nendlela oziva ngayo malunga nesiphumo. Ababhali bakubize oku njengesakhelo sovavanyo lwendlela yokusebenza (ATF).

Umzekelo, ukuba uyoyika ukuba indlu yakho iqhekezwe, ukuthenga inkqubo yokhuseleko lwasekhaya kunganciphisa inqanaba lokoyika kwakho, okunokuthi emva koko kuphucule ulonwabo lwakho okanye impilo-ntle yakho yeemvakalelo.

Kule meko, ukonwaba kwakho kunxulunyaniswa namava akho oyikisayo.

Ngaba ikhona inombolo yomlingo?

Ewe nohayi. Yikholwe okanye ungakholelwa, kwenziwe uphando malunga noku.

Uphononongo luka-2010 olwenziwe ngu-economist no-psychologist uDaniel Kahneman wafumanisa ukuba, apho ubutyebi buchaphazelekayo, ukoneliseka komntu ngobomi bakhe akusonyuki emva kwe- $ 75,000 ngonyaka.

Okwangoku, uninzi lwabantu lukwazi kangcono ukusingatha uxinzelelo olukhulu lobomi njengempilo enkenenkene, ubudlelwane, okanye isizungu kunokuba benza kancinci okanye baphantsi komda wentlupheko.

Ngaphandle koko, imikhwa yemihla ngemihla kunye nendlela yokuphila zezona zinto zibangela ulonwabo.

Iziphumo ezivela kuphononongo lwamva nje olwajonga ulonwabo kubantu base-Yuruphu bakhomba kwixabiso elisezantsi kakhulu leedola elilinganiswa nolonwabo: i-27,913 euro ngonyaka.

Oko kulingana (ngexesha lesifundo) ukuya kuthi ga kwi-35,000 yeedola ngonyaka. Yiyo leyo isiqingatha wabantu baseMelika.

Oku kunokuhambelana neendleko zokuphila eUnited States xa kuthelekiswa neYurophu. Ukhathalelo lwempilo kunye nemfundo ephezulu zihlala zingabizi kakhulu eYurophu kunaseMelika.

Abaphandi bakwakhankanya ezinye izinto zenkcubeko ezinokuthi zibe negalelo kulungelelwaniso olungezantsi lwemali kulonwabo kula mazwe.

Ezinye iindlela zokongeza ulonwabo

Imali ayinakuluthenga ulonwabo, kodwa zikhona izinto onokuzenza ukuzama ukongeza ulonwabo. Cinga ngoku kulandelayo:

• Bhala into onombulelo ngayo. Ngokwamazwi “kunokukunceda uzive unethemba ngakumbi. Endaweni yokucinga ngento ongenayo, cinga ngezinto onazo.
• Camngca. Sula ingqondo yakho kwaye ujonge ngaphakathi ngaphakathi kunezinto onazo. Gxila ekubeni ungubani ngokuchasene nezinto onazo.
• Zilolonge. Ukuzilolonga kunokunceda ukonyusa ii-endorphins, ezinokukhokelela kulonwabo lwexeshana elifutshane. Ukuzilolonga kunokukunceda uzive uzithembile okanye ukhululekile kulusu lwakho.

Yise kude

Imali ayinakuluthenga ulonwabo, kodwa inokukunceda ufezekise ulonwabo ukuya kuthi ga kwinqanaba. Khangela izinto eziza kukunceda uzive uzalisekile.

Kwaye ngaphaya koko, unokufumana ulonwabo ngezinye iindlela ezingezizo ezemali, njengokuchitha ixesha nabantu obonwabileyo okanye ucinga ngezinto ezintle ebomini bakho.