Kodwa asikho. Ukongeza kwimiqobo mngeni, kufuneka sihlangabezane nemiba emininzi yoluntu ngaphambi kokuba sinikeze ngemali ngokupheleleyo.
Iinzuzo zombutho ongenasiphelo
Ulwaphulaphulo oluncinane: Ngenkcitho, kulula ukuba imali, nokuba ingaba inkulu okanye incinci. Kwakhona, ukuthengiswa kwemithetho engekho mthethweni (urhwebo lwezonyango, umzekelo) ngokuqhelekileyo lwenzeka ngenkokhelo ukuze kungabikho irekhodi lomthengi-kwaye ngoko umthengisi angaqiniseka ngokuhlawulwa.
Imizila yephepha: Ulwaphulaphulo-mali kufuneka lume. Kunzima ukufihla ingeniso kunye nokukhupha irhafu xa kukho irekhodi nganye yentlawulo oyifumanayo . Ukutshatyalaliswa kwemali kuba nzima nakakhulu ukuba umthombo weemali uhlala ukhona.
Akukho lawulo lwemali: Kubiza imali ukuprinta iibill kunye neengqekembe. Amashishini adinga ukugcina imali, fumana ngaphezulu xa ephuma, kwaye afake imali xa baninzi kakhulu. Ukuhambisa imali ngeenxa zonke nokukhusela iimali ezinkulu zemali kunokuba yinto edlulileyo.
Iintlawulo zamazwe ngamazwe: Xa u tyelela ilizwe langaphandle, unokufuna ukuthenga imali yendawo. Kodwa iintlawulo zilula ukuba zombini iintlanga zinokusingatha ukuthengiswa kwe-cashless.
Endaweni yokucinga enye imali, idivayisi yakho yeselula ilawula yonke into kuwe.
Iintsilelo zeLizwe elingenazo iiMali
Ngokuxhomekeke kwindlela ojonga ngayo, ukungahambi kakuhle kungabangela ingxaki.
Ubumfihlo: Iintlawulo zekhompyutheni zithetha ubuncwane obuncinane Unokuba nethemba kwimibutho ephethe idatha yakho, kwaye unokuba ungazifihla, kodwa ulwazi lwakho lokuhlawula luya kuvela ngeendlela ezingenakulinganiswa.
I-Cash ikuvumela ukuba uchithe imali kwaye ufumane imali engaziwa.
Hacking: Hackers yilezi ibhange abaphangi kanye muggers wezwe electronic. Kwintlangano engaxhamliyo, imiphumo iphezulu xa umntu echitha iakhawunti yakho ngenxa yokuba awunayo enye indlela yokusebenzisa. Nangona ukhuselwe phantsi komthetho wesigqeba , ubhekane neengxaki ezinkulu kunye neminye imiphumo emva kokuphulwa.
Iingxaki zezobuchwepheshe : Ukugqitywa, ukuphuma, kunye nempazamo engenamacala kunokudala iingxaki, ukushiye ngaphandle kokukwazi ukuthenga izinto xa ufuna. Ngokufanayo, abarhwebi abanakho indlela yokwamkela iintlawulo ezivela kubaxumi xa iinkqubo zingasebenzi. Nento into elula njengebhethri yefowuni efile ingashiya "ingenasiphelo."
Ukungalingani: Abampofu nabangenanto banokuba nexesha elinzima nakwiindawo ezingenasiphelo. Ayinayo ixabiso elinamaxabiso okwenza iintlawulo, kwaye abo basebenzayo kwezoqoqosho abangacwangciswanga babengeke bafumane indlela yokuhlawulwa okanye bafumane uncedo. I-UK izama iindlela ezingabandakanyeki ukuba zinikele kwizincedisi kunye nabantu abangenamakhaya, kodwa kusekho indlela ende yokuhamba.
Imirhumo, Imirhumo, Imirhumo: Ukuba sinyanzeliswa ukuba sikhethe kwiindlela ezimbalwa zokuhlawula, ngaba silindele ukuba amaziko emali asinike ixabiso elimangalisayo?
Abaqhubi beentlawulo banokungena kwiimali eziphezulu, ukuphelisa imali ekufuneka ivela kwi-cash hand management.
Ukusasaza: Xa usichitha ngemali, uvakalelwa "intlungu" yeyonke idola oyichithayo. Kodwa ngeentlawulo zekhompyutheni, kulula ukuswayipha, thintela, okanye nqakraza ngaphandle kokuqaphela indlela ochitha ngayo. Abathengi baya kufuna ukuvuselela imizamo yabo yokulawula imali.
Iimali zenzalo ezingalunganga: Xa yonke imali i-electronics, oorhulumente banethuba lokukhuthaza iirhafu ezingenanzuzo. Oko kuhamba ngokunyusa ukukhuthaza ubutyebi besizwe, kodwa umphumo kukuba imali ilahlekelwa ngamandla okuthenga .
Ukhangelelani Ihlabathi leeZero-mali?
Ngaphandle kwemali, iintlawulo zenzeka ngekhompyutha. Endaweni yokusebenzisa iphepha kunye neengqekembe zokutshintshisisa ixabiso, ugunyazisa ukudluliselwa kwemali komnye umntu okanye kwishishini.
Izinto zokuhlala ziqhubeka, kodwa sinomxholo wokuba uluntu olunokuthi lube lukhuni kangakanani.
- Amakhadi okuthenga ngetyala kunye namakhadi okukhawuleza aphakathi kwezinye iindlela ezikhethiweyo zemali ezisetyenziswayo namhlanje. Kodwa amakhadi kuphela ayanele. Izixhobo zefowuni ziza kuba zixhobo eziphambili zeentlawulo.
- Iinkqubo zentlawulo ye-elektroniki , njengeZelle , PayPal, kunye neVenmo, zinceda kwiintlawulo ze-P2P.
- Iinkonzo zentlawulo zefowuni kunye nezikhwama zempahla ezinjenge-Apple Pay zibonelela ngeentlawulo ezikhuselekile, iintlawulo zemali . Kwiintlanga eziphuhlisayo neziphuhlisiwe ezisebenzisa imali ngokukhawuleza, izixhobo eziphathekayo zixhobo eziqhelekileyo zokuhlawula.
- I-Cryptocurrencies iyingxenye yengxoxo: Seyasetyenziselwa ukutshintshwa kwemali, kwaye izisa ukhuphiswano kunye neendlela ezintsha ezinganceda ukugcina iindleko eziphantsi. Kodwa okwangoku baneengozi kunye nezibambiso zokulawula ezenza ukuba zingabonakali kubathengi abaninzi, ngoko kungenokuba zilungele ukusetyenziswa ngokubanzi.
Imizekelo yeeNtlupheko
Iintlanga eziliqela sele zisenza ukuba kususwe imali, kunye nokunyuka okuvela kubathengi kunye namaziko karhulumente. ISweden neIndiya ziyimimiselo emibini ephawulekayo.
ISweden: Akuqhelekanga ukubona iimpawu ezithi "Akukho mali esamkelekileyo" kwiivenkile zaseSweden, kwaye ezinye iibhanki azisekho imali. Iintlawulo zentengo zi- 15 ekhulwini zeentengiso zentengiso eSweden, kwaye ezinye zikhomba eSweden njengomzekelo woluhlu lwamaxesha angama-cashless. Abathengi banolonwabo kakhulu ngale meko, kodwa abahlwempuzekileyo nabalupheleyo basalwa nehlabathi lekhompyutha.
I-Indiya: Urhulumente wase-Indiya uvimbele amanqaku angama-500 kunye nama-rupie angama-1 000 ngoNovemba ka-2016 kumzamo wokugweba abaphuli-mthetho kunye nabasebenzi baseburhulumenteni obungabonakaliyo. Ukuphunyezwa kwagqitywa kwaye kwaphazamiseka, kwaye phantse ama-99 ekhulwini lawo mabhanki afakwa kwi-banknotes-ukuba izaphulo-mthetho azizange zilahlekelwe, nokuba zikhona, imali. Ukuthengelana kwee-elektroniki kwandiswe okwethutyana, kodwa kwawa kumazinga okuqala ukunyuswa kwemimiselo kunyaka ozayo.
Le mizekelo ibonisa ukuba ukungahambi kakuhle kunokwenzeka ngeziseko ezaneleyo kunye nenkqubela phambili. Imibuzo esele iphakathi malunga nendlela eyahlukana ngayo iya kuhamba xa imali yembali.