Ungathengi ngokungafunekiyo into ebiza okanye engadingekanga kwaye uzizuze ngokuphumelela kwakho impumelelo, thu thuzelwa ngexesha lokudabuka okanye ukuzenza isipho ngumqondiso wokubonisa ububele kunye nokukwazi ukunandipha ubomi. Nangona kunjalo, ukuba umntu uhlala ngokuphindaphindiweyo kwimeko apho iindleko zingaphezu kwemali engenayo, ungene kwiingxowa ezingenakubuyiselwa, ubeka intlalontle yakhe kwintlekele, kubalulekile ukuzibuza: kwenzekani? Indlela yokufunda indlela yokusebenzisa imali ngengqiqo - funda kwinqaku lethu.
Ukungakwazi ukuceba uhlahlo lwabiwo-mali
Kungabonakala ngathi ukukwazi ukuchitha imali ngokukhawuleza kuza kunye nabantu abadala, ngokuzenzekelayo. Enyanisweni, kufuneka ufunde oku. Abaninzi bethu abazi nje indlela yokucwangcisa uhlahlo lwabiwo-mali. Kunzima ukufunda indlela yokuhambisa imali yakho ngenzuzo ukuba, umzekelo, akukho mali ephakamileyo ebuntwaneni bakho, okanye ngabazali bakho babanikezele, balawulwa ngokugqithiseleyo yonke imali, okanye, ngokuchaseneyo, banikezelwa ezininzi njengoko ufuna. Ngenxa yoko, umntwana akayi kudala ingcamango yemida evumelekileyo, akafundile ukulawula iimfuno zakhe, ukuthelekisa iminqweno kunye neminqweno kunye nezakhono zabanye. Ngoko ke, sele sele ekhulile, kuya kufuneka afunde yena. Yiyiphi, eqineni, kunzima kunokuba ubuntwaneni, kodwa akukho nenye indlela yokuphuma. I-shopping obsersive "Kutheni ndikwazi ukuxhathisa?", "Ndiya kuhlangabezana njani neendleko ezinjalo?" - le mibuzo iyanelisayo, eyenziwa ngokugqitywa kokungabi namsebenzi kokufumana. Ndifuna ukumgxotha - kwaye ngoku isandla sam sifika kwisikhwama esikhulu. Iingcali zengqondo zibiza le ndlela "yokunyanzela (ezithengayo)." Oku kwenzeka kubantu bethu abakhulisa kwintsapho, apho kwakuyinkcubeko yokuphazamisa umntwana kwiingxaki ze-tshocolate okanye isipho. Umntwana, umzekelo, wawa, wenzakele kwaye uyalimaza, kufuneka adunywe kwaye abe nemfesane. Kodwa umama uxakeke ngento ethile - kwaye umnika isibhakabhaka ngenduduzo. Ukukhula, umntu ngokwakhe uvelisa le sikimu: kuyingozi kuye - uya esitolo. Ukuthengwa kuletha ukusizwa okufutshane. Kodwa iingxaki zinyani zihlala zingaguquki. Ngaphezu koko, baqokelela kwaye badinga "iziphazamiso" ezingaphezulu. Kwaye njalo, kuze kube yilapho iqhinga lezenzo lijika libe yingxaki enkulu. Oku kufaniswa nokuxhatshazwa kweziyobisi okanye i-bulimia: Ukuchithwa kwemali kungakhathaliseki ukuba kukuxhomekeka.
Imiyalezo efihliweyo
Inkunkuma engenangqiqo ingaba ngumyalezo ongafumaniyo. Ngokomzekelo, indoda iyazithengela indlu yaseshashalazini - kwaye intsapho ayikwazi ukuhamba eholide kwakhona. Ukuziphatha okungekho badala, emva kwayo yonke indawo, endaweni yokunyamekela abantwana babo, uqala ukukhuphisana nabo, uthengela "ithoyilo" kuye ngokwexabiso lempilo yabo. Isigijimi sakhe: "Andifuni ukuba ngumdala, andikulungele ukuxanduva kwabanye." Umfazi wam uthengela enye into ebiza kakhulu yezinto zokugqoka. Umyalezo wakhe unokuthi: "Ndiphulaphule, ndifuna uthando." Indoda endala endala ichitha ipenshini yomama: "Ngoku ndiyakulawula, uthembele kum kwaye ungeke undijezise." Kwimeko nganye, inkcitho engavumelekiyo ifihla ukungonwabi komphefumlo, kwaye kuyimfuneko ukuqonda oko "umphefumlo" we-embezzler-uthando, ukhuseleko, ukuvuma, ukuzivuma, ngokwenene ufuna? Yeka inkunkuma ingenzeka kuphela ngokufezekisa nokwanelisa isidingo sangempela, esilandelayo.
Yintoni endiyenzayo?
- Iindleko zokubhala kunye neemvakalelo
Qala ukugcina idayari yeendleko: bhala ukuthenga kwakho, ungabonakali nje ngeendleko, kodwa kunye nemigomo yokuthenga. Ziyintoni iimvakalelo zakho ngexesha lokuthenga (unesizungu, usizi okanye umnandi) kwaye emva koko (unelisekile, uzive unetyala ...)?
- Ukuqonda iimfuno zakho
Xa ufuna ukuthenga into ethile, musa ukukhawuleza kwivenkile ngokukhawuleza - thabatha ixesha elifutshane lokuphumla. Yiya kwindawo elithulekileyo, enoxolo apho ungayi kuphazamiseka khona, kwaye uzibuze: "Kutheni ndifuna le nto yokuthenga? Ndiphosole ntoni? Ndiyintoni umnqweno wam wokwenene? "Unokucela abahlobo okanye ukuvala abantu ukuba bakubuze le mibuzo ngokuphakamisa. Okanye uthethe ngawo ngumbhali.
- Ukuthenga ngovuyo
Unokugqiba kwangaphambili imali onokuyichitha ukuhlangabezana neemfuno zakho ezingalindelekanga. Nika ixesha kwikhadi lesikweletu kwaye, ushiye indlu, ungathathi ngaphezu kokuba uza kuchitha. Into eyona nto kukuzonwabisa ngokukhululekileyo kwinto enje into eyenza ngayo. Ngoko unokuphinda ufumane uvuyo lokuthenga nokulahla iimvakalelo zetyala.
- Kulowo osondeleyo
Ngamanye amaxesha kunokwenzeka ukulungisa imeko yexakeka ngokuhlawula amatyala omnye umntu. Kodwa ngokufanelekileyo kuya kumenza acinge kuze kufike "ukuhlaselwa" okulandelayo kokuthenga, ekugqibeleni - uya kuzifihla oko achitha imali, kude kube yimeko leyo amatyala aphinde abe nethemba. Uninzi lokuthenga ngokunyanzela lwenziwa yedwa. Ukuhamba nomntu othe tye ukuchitha imali ngokweqile, ekuhambeni kwintengiso kukumnceda ukuba angabambeli iindleko ezingadingekile. Kodwa kuyafaneleka ukunyamekela ukhuseleko lwakho lwezezimali: umzekelo, ukugcina imali kwiingxelo ezahlukeneyo.