Umtsalane obaluleke kakhulu emhlabeni uluthando, ludonsa iimeko kunye nezinto, liyakwazi ukuphelisa zonke iindawo zobomi zobomi. Ukuze benze imali endlwini, kufuneka kuqala kuqala ukuba bathandane. Abaninzi bangakuphikisa oku, bethetha ukuba wonke umntu uyathanda imali. Ngokuqinisekileyo, oku kunjalo, kodwa kwinqanaba elincinci lokusukela ebuntwaneni abaninzi baye bathwala isimo sengqondo esingalunganga kwimali. Indoda ephupha ukuba unemali eninzi, kodwa ithi "abazange baphile ngokucebileyo," "imali ayiyonwabile," "yonke into ekhoyo ehlabathini ivela kwimali," "imali imbi." Kwaye, ingqalelo yomntu lo, kuya kuba yindalo ukumkhusela ekubeni imali yayigcinwe kuye, kwaye ukuba beza, abazange bahlale ixesha elide.
Ungaze uzitsho okanye abanye ukuba unemali encinane. Umntwana ubuza umama ukuba amthengele umdlalo, kwaye umama uthi: "Andinayo imali." Kukho inkolelo yokuba ihlabathi libubuko, kwaye uyavumelana nathi. Umxelela ukuba awunayo imali, kwaye uya kuvuma nawe, kakuhle, njengoko ufuna. Umntwana kufuneka athi uthenge ithoyiphu kamva. Ukuba uhlala usho ukuba unemali encinane kakhulu, ayiyi kuba khona. Ukuba ufumana encinci, cinga ngendlela onokufumana ngayo imali eyongezelelweyo, into eyona nto kukukubeka ngokucacileyo umnqweno wakho wokufumana ngaphezulu.
Iyintoni intetho yokuthanda imali? Kufuneka banakekelwe. Kwindlu kufuneka kubekho indawo yokugcina imali, mhlawumbi ikhuselekile, okanye i-casket enhle. Isikhwama semali uthenge njengokuba uyithandayo, ungabomvu. Imali kuyo kufuneka ifakwe ubuso kumnini, kwifom eyandisiweyo.
Ikhredithi ibandakanyeka ekutsaleni imali ekhayeni lakho. Imfuneko ebalulekileyo kukuba i-purse ibonakale iqinile. Kuyinto efiselekayo kwizinto eziphathekayo, umbala ofanelekileyo kunye nobukhulu obukhulu. Amanqaku ebhanki kufuneka afakwe kwisikhwama, ngaphandle kokugoba. Imibala yobutyebi yimibala yesinyithi kunye nomhlaba, kwaye ibumnyama, imdaka, yonke i-shades yegolide kunye nohlu oluvela kwi-orange ukuya eluhlaza, kwaye lubomvu. Ukuze ungaphazamisi ukuhamba kwemali kwisikhwama, ngaphandle kwemali, akukho nto ifanele ibe yile: amakhadi ezentengiselwano, iifoto zeentsapho zakho, iikhalenda, akukho cheki, kodwa imali kuphela.
Imali icinywa ngokuvuya, phuhlisa lo mkhuba. Emva kwakho konke, iingcamango zizinto eziphathekayo, ngoko kufuneka ugcine imali kungeyiyo imini yokulila, kodwa ibe yinto eqaqambileyo. Zama ukuhlakulela ukucinga komntu onempumelelo, ocebileyo. Qinisekisa ngale nto kunye nemali oya kuba nayo kamva okanye kamva.
Imali kufuneka ibeke eceleni ngenxa yezizathu, kodwa into ethile ecacileyo. Ungesabi ukuphupha, ubonise ngokucacileyo kwiinkcukacha, into oyifunayo. Nangona umgomo wakho ungenakwenzeka kwaye uphawuleza, cinga nje, ngokungathi usufikile. Apha uphuma ngaphandle kwegaraji kwinqwelo entsha yemoto, okanye usike utshani ukusuka kwikhaya lakho elitsha.
Cinga njengomntu ocebileyo nocebileyo, ukulahla imikhwa kunye nokucinga kwangaphambili okuthintela ukutsala ubutyebi endlwini. Ngokomzekelo, urhulumente wokulondolozwa ngokugqithiseleyo akuyi kukuvuyisa kwaye ucebile.
Amandla emali akufanele ahlawule, imali ithanda ukunyakaza. Funda ukuthatha imali ebomini bakho kwaye uvumeleke ukuhamba. Kodwa imali iyakuthanda isimo esifanelekileyo. Kufuneka ucwangcise iindleko zakho, awukwazi ukuchitha imali engaphezulu kunokuba uzuze.
Ukutsala imali, kufuneka ugcine iimpawu zemali, ezihlolwe ngexesha:
Ukwenza imali endlwini, akudingeki ukuba uchithe imali ngosuku lomvuzo wakho. Ngentsasa, enye inxalenye yemali ifanele ibekwe bucala kwiinjongo eziphambili, kwaye yonke imali kufuneka ibelwe iimfuno eziyimfuneko.
Isikhwama akufanele sibe nantoni, ubuncinane imali enye kufuneka ibe kuyo. Zonke iibhanki kufuneka zibekwe ubuso nobuso. Kwiofisi elincinci, gcina i-mascot, ingaba idola enye okanye i-euro ephindiwe ngonxantathu. Kulungile ukugcina imali evuyayo evela kumntu onoyolo, okanye imali eshiyeleyo kwimali yakho yokuqala yokufumana. Kwakhona kungabikho iintsimbi zesiTshayina eziboshwe ngebhebhoni ebomvu. Unokwenza i-talismans yakho, eyakukhangela imali kuwe. Cima ixande lephepha eliluhlaza eliya kuthi libe lincinci, kwaye libhale kuyo ngephepha elibomvu "ebomini bam ndivumela imali." Ukuvula isikhwama, ngexesha ngalinye kwinqanaba elincinane, uya kuphinda ubhale la magama. Ukuba ufumene okanye uyiphumelele imali, kungcono ukusabalalisa okanye ukuchitha ixesha ngokukhawuleza, loo mali ayifanele iqhutyelwe ixesha elide, ayiyi kuzisa uvuyo.
Unokukhangela njani ubutyebi kunye nokuchuma ekhaya lakho?
Asinakuphikisana nalabo abathi banokufumana imali. Ngokuqinisekileyo, kuyimfuneko, kodwa ukuba ungayifumana ngaphandle kobunzima, ngoko kukufanelekile ukuzama. Kukho imiqondiso emininzi eyahlukileyo yeentaba zegolide. Asithembisi ukuba kuza kuba nezigidi, kodwa umntu unokufumana inhlanhla.
Kukho izibonakaliso ezimiselwe ixesha elide kunye nexesha, zikhumbuze, mhlawumbi umntu ukhohliwe.
- Musa ukubeka isikhwama ngekhredithi phantsi.
- NgoLwesibini awuniki bani na mboleko.
- Musa ukunika imali ngendlu.
- Musa ukubala imali kwiibhanki ze-piggy.
- Awukwazi ukunika izipho ezivela kwisandla ukunika abahluphekileyo.
- Udinga ukugcina imali kwi-wallet yakho.
- Kufuneka unike imali ngesandla sakho sokunene, kwaye uyithathe ngesandla sakho sasekhohlo.
- Nika i-10% yengeniso yakho kwintando.
- Ukuthetha nabantu abaphumelelayo nabazityebi.
- Yazi ukuba uhlale unemali eyaneleyo.
Kodwa imiqondiso ayiyiyo imilinganiselo. Kwindlu kufuneka kubekho umyalelo olungeleyo, kwizicathulo zeehholo akufanele ziqhube, ayiyi kuba nemali, ziya kubaleka. Iifestile endlwini kufuneka zihlale zicocekile. Izinto kwiikhabhinethi zifanele zilale ngokufanelekileyo kwiithalafu.
Funda ukuzonwabisa ubomi. Vuka kusasa, umomotheka, ucingisise ngukuphi umhla olungileyo namhlanje. Xa umntu evuya, ulawula imeko. Imali ithanda abantu abaphumelelayo, ohlala edimazekile, imali ayiyi kuza kuye.
Imali ngamandla, ahlala ehamba. Ukuba uya kufumana imali eninzi, ngoko-ke ungazisoli ufunde ukubanika. Xa unika ngokwengeziwe, xa uzakufumana kwakhona, i-boomerang ibuyisela kuwe.
Ngomqondo wangokoqobo, xa ubutyebi "buwela entloko", akukho nto injalo. Kodwa ngandlela-thile imali ibonakala yodwa. Ufumana ukwanda kwimivuzo, engalindelekanga, ufumana indawo entsha.
Yiba njengomntu osisityebi. Ukuba ufuna ukuthenga imoto, qalisa ukuhamba kwiironi ezibizayo, apho zithengiswa khona, zithatha umoya wonke wobutyebi, kuba ufanelwe.
Yiba ngumntu onyanisekileyo. Ukuba kwisithengi umthengisi wakupha utshintsho olukhulu, kunokuba luyimfuneko, buyisela le mali. Kwakuyivivinyo lokunyaniseka kwakho. EJapan kuthathwa njengento embi ukuphakamisa isikhwama esitalatweni. Kukholelwa ukuba xa ufumana imali, unokulahlekelwa ngakumbi. Kungcono ukudlulisela le mali kumapolisa.
Kufuneka kukhunjulwe ukuba iNdalo yethu inika, ininzi kwaye inhle. Kukho izinto ezininzi kuyo, nakuwe. Simele simtshele ngeminqweno yethu. Oku kwenziwa njani? Yibhale nje umnqweno wakho uze uyifake kwindawo efihliweyo. Kwaye kufuneka ube noxanduva lwakho zonke izenzo zakho. Ungafungi, cinga nje ngokulungileyo nokugqamile, kwaye uphathe abantu ngokungathi ufuna ukuba abantu baphathe nawe. Yaye ndikholwa, akuyi kuba kude. Nonke nifumana ikhulu. Xa uhlonipha kwaye uzithandayo ngokwakho, ngakumbi uya kuba nabantu abanolu hlobo ngombono. Bahlobo bethu, siya kuba ubutyebi bethu, akunjalo?
Ngoku siyazi ukukhangela imali kunye nokuchuma kwindlu. Yiba nabantwana bakho, impilo yakho, ukuphuhlisa kwakho, kwaye oku kuya kuba ubutyebi bethu. Hlaka, shwayile kwaye ujabule. Kuzo zonke izinto ezikholiswayo, kwintsuku, yonke intlanganiso entsha. Abantu abonwabileyo bawela ezandleni zabantu abonwabileyo.