1. Unesifo sengqondo se-Mindset
Ukuba uvakalelwa kukuba awunakho imali eyaneleyo, unokube uhlaselwa 'kukunqongophala kwengqondo'.
Ngokwe-Psychology Namhlanje, "Ukungabikho kwengqondo kusweleka ixesha lethu, kubangela ukuba senze izigqibo ezifutshane, ezinokunyusa ubunzima kwixesha elide, njengokuyeka ukuhlawulwa kweebhilidi zekhadi zetyala okanye kungabikho iibhilidi zokuvula, sinethemba lokuba baya kutshabalalisa ngamagqabi . "
Ukuba neqondo lokunqongophala kwintlupheko kunokukhokelela ekubeni uzive ungabikho nto. Ngokomzekelo, unako ukuchitha imali ukuze uzame ukugcwalisa ukungabikho okwaneleyo. Ngakolunye uhlangothi, kunokukhokelela ekugqibeleni ipenki engqongqo - kunye nokungakwazi ukunandipha ubomi - kuba unomuzwa wokuthi akayi kuba nelanele.
Ungeke ufumane ubunqweno bakho bezinto ezingasweleki ebusuku, kodwa unako ukusebenzela ukufikelela ngaphaya kwayo ngokubhala zonke izinto ozenzayo ebomini bakho ngoku. Gxininisa into onayo, kungekhona oko ungayenziyo.
2. Awunayo iCandelo lakho lokuTyala
Ulwalamano lwethu ngemali kunye nokuchitha imali lunokuba lubuqu obunzulu.
Sonke sinakho iinkolelo zethu malunga nemali, kodwa sonke sineengxaki 'zengqondo'. Ukuchitha imali iindawo, indawo, okanye iimvakalelo ezinokubangela ukuba uchithe ngaphezu kokuqhelekileyo. Umzekelo, ukuba unenkcitho yokuchitha imali kwaye uhamba ngevenkile yakho oyintandokazi, unokubangela ukuba uchithe.
Yaye ukuba ukhathele okanye uxhalabile, unokufumana uthenga nge-intanethi.
Inqakrazo kukubona ukuba izinto zakho zichitha imali. Ziziphi iimeko okanye iimvakalelo ezivame ukubangela ukuchitha imali? Bhala phantsi iindleko zakho zokutshintsha imali kwaye uguqule ukuziphatha kwakho ukuze uzame ukuphepha loo mithombo yamanzi engakhokelela ekunyuseni kwemali.
3. Isimo sokuthi i-Bias ikugcina njani i-Stagnant
Njengoko sikhula, sivame ukukhululeka ngokusingqongileyo kunye nendlela esenza ngayo izinto. Ngelishwa, le nto ayinokuba yinto enhle kwimpilo yethu yemali.
Ukuze uphucule ubomi bakho bezezimali, kufuneka uguqule iinkalo zobomi bakho bokuphila. Ingaba uhlawula ityala okanye uzama ukulondoloza umhlalaphantsi, ukufikelela kwiinjongo zemali zakho kuthetha ukwenza izinto ezinzulu ekuziphatheni - kwaye into eninzi abantu abazimisele ukuyenza, ngokubhekiselele kwisimo se-quo bias.
Ubume bokuba yi-bio bias i-bias ingqiqo echaza ukuba abaninzi abantu banqwenela ukunamathela kunye nokukhetha izinto ukuze bahlale befana. Nangona kunjalo, ukuba uzama ukuphucula iimali zakho , awukwazi ukwenza izinto ngendlela oye wazenza ngaso sonke isikhathi. Ukuphuma kwetyala okanye ukwakha ubutyebi ngokuqhelekileyo kufuna ukuguqula i-mindsets ukuphuma kwindawo yakho yokuthuthuzela.
Kwaye kuthetha ukuqonda indlela i-inertia ikukubuyisela ngayo.
Ukuphula i-status quo, zama ukwenza izinto ngokungafaniyo kwaye uqaphele ukuba kuya kuba mnandi. Kulungile. Izinto zethu eziphambili ziphumelele zihlala ngaphandle kweendawo zethu zokuthuthuzela.
4. Iimpembelelo zeNtsini Ngaba Ugcine iNtloko yakho kwiNtshonalanga
Njengabantu, ngokubanzi sifuna ukuzonwabisa kwaye sizama ukuphepha intlungu. Xa kuziwa kwiimali zakho, akufani. Abaphandi uDan Galai kunye no-Orly Sade bafumene ukuba abatyala-mali bathambekele ekukhuseleni ulwazi olubi kunye nokuphepha iimeko eziyingozi. Baye bathi le mpawu 'njengeMpembelelo ye-Ostrich', inkqubo yokuphepha iimeko ezinobungozi zemali ngokungcwaba intloko kwisanti kwaye ungavumeli ukuba zikhona.
Nangona isifundo sabo sisekelwe kubalimi-mali, kulula ukubona indlela oku kuhambelana ngayo nezinye iindawo zemali.
Mhlawumbi uphepha loo ntlawulo yekhadi lesikweletu okanye uvale ukungena kwi-akhawunti yakho yokukhangela kuba ixinezelekile.
Ukuze ukwazi ukulwa nempembelelo ye-Ostrich, kubalulekile ukujongana neengxaki zemali zakho. Ukuphepheka kunokukhokelela kwiinkxalabo ezingaphezulu komgca, ngoko thabatha isenzo ngezimali zakho kwaye uvume ukuba inokuba nzima okanye ibuhlungu - kodwa iya kukhokelela ekuphatheni imali engcono.