Ngaba unayo nayiphi na inkolelo engalunganga ngemali?
Nantsi ingqungquthela yabane ababi kakhulu. Njengoko ufunda kuloluhlu, zibuze ukuba ngaba ungayifaka phakathi kwezi ngcamango. Ukuba unayo, ndiyakhuthaza ukuba usebenze ngokuzenzekelayo ekufundiseni izi ngcamango.
1. Imali Ingumthombo Wonke Okubi
Ngokwenene, oku akukona isicatshulwa seBhayibhile.
IBhayibhile ithi uthando lwemali luyingcambu yazo zonke izinto ezimbi, ezahlukileyo kunemali ngokwazo.
Uthando lwemali lunokubonakaliswa ngokukratshi, kodwa imali ngokwayo isixhobo, njengesando. Ingasetyenziselwa ukutshitshisa isithupha sakho, apho imeko i-hammer isixhobo esisetyenziselwa injongo engafanelekanga, okanye ingasetyenziselwa ukwakha indlu, apho imeko isetyenzisiweyo isetyenziswe kwizinto ezintle ezibangela ihlabathi .
Imali yinto nje. Awububele okanye bubi. Yintoni ebalulekileyo kukuba sibaphathi abafanelekileyo bemali yethu kwaye siyisebenzisa ngendlela ehambelana namaxabiso ethu.
Ukuba ufumana ukugqithisa ngaphezulu kweempahla, izicathulo kunye neendawo zokutyela xa ubunzima bakho beyona nto ibonisa ukufuna umhlala-phantsi okhuselekileyo kwaye uqinisekise ukuba abantwana bakho baya kwikholeji , ngoko umcimbi awukhoyo imali. Umba kukuba awusebenzisi imali yakho ngendlela ehambelana nenjongo yakho.
2. Akusikho into oyifumanayo, yinto oyigcinayo
Le ngcamango engalunganga.
Zomibini izinto ozifumanayo kunye noko ugcina umcimbi. Izinga eliphezulu lokulondoloza liyakuthandeka, kodwa ekugqibeleni akuyi kususa inaliti ukuba unomvuzo ophantsi.
Uya kufuneka ugxininise ekwandiseni isikhala phakathi kweempatho zakho kunye nenkcitho yakho. Esi sithuba singakhula ngeendlela ezimbini: ngokuchitha imali encinane okanye ngokufumana ngaphezulu .
Musa ukuyihoxisa enye ngenxa yesinye. Gxila kuzo zombini.
3. Imali ayikwazi ukuthenga iiNwabo
Ngokuqinisekileyo, kunjalo, kodwa akukho nto. Imali inokuthenga unonophelo lwempilo , izindlu, ukutya, ugesi, amanzi aphetheyo, ugonywa, unyango, kunye nohambo lwamazinyo.
Ngaphezu koko, unokuthenga umxholo wokhuseleko kunye noxolo lwengqondo. Ngokukodwa xa uyazi ukuba iakhawunti yakho yokuthatha umhlalaphantsi ixhaswa ngokugcwele, ungenatyala, kwaye abantwana bakho banokongiwa kwemali ekolishi.
Musa ukuyibiza imali ngokuthi ungathengi uvuyo . Akukho namnye owake wathetha oko. Le ngecala.
4. Ndiya kuba Nonwabile kunotyebi
Oku kuwela kumgca ofanayo wokucinga nje ngokuba "imali ayikwazi ukuthenga ulonwabo." Abantu abazenza ezi nkcazo bathetha ukuba unokuba omnye okanye omnye, kodwa kungabikho bobabini.
Enyanisweni, akukho shishini. Unokuonwaba kwaye ucebile-kwaye unako uvuyo kwaye ulungile. Unokuba ungonwabile kwaye uhlwempuzekileyo, kwaye unokuba ungonwabi kwaye ucebile. Akukho sikhokelo sokugxotha ubutyebi esekelwe ukwesaba ukuba kuya kukwenza ungonwabi.
Okukwintsusa
Ngexesha elizayo xa uzibamba usho okanye ucinga enye yeenkcukacha ezidumile, yima uze ucinge oko kuthetha ntoni. Ngokufaka imibono engalunganga ngemali, unokuba uzibekelele uxinzelelo lwezezimali.
Ukuziphatha kwethu kunye neengcamango zidibaniswa, kwaye ngokuphuhlisa iindlela zokucinga, unokudala iziphathamandla zezempilo eziphilileyo.
Ukongezelela, qiniseka ukuba ungakhulumi ngamagama afana nalokhu ngaphakathi kwindlebe yabantwana okanye abantu abadala. Bangazenza njengokuba bengakuphulaphuli, kodwa abantwana kunye nentsha baqokelela iimpembelelo zabo zezemali ezikhulile. Awufuni ukuba baqalise ukufaka ngaphakathi ngaphakathi le ngcamango.