Uninzi lwabantu luyanqikaza xa utyalo -mali kwimarike yempahla. Inxalenye enkulu yeenkxalabo zabo, kwaye ngokwenene enye yezona zinto ziyimingcipheko ebalulekileyo kubanini-mali abatsha, ukwesaba kwabo.
Kukho ukwesaba kokubili ukulahlekelwa yimali, nokwenza iimpazamo ekugqibeleni kukulahlekise ekupheleni. Ngenhlanhla, kukho iingcebiso ezimbalwa kunye neengcinga ongayisebenzisa ukuphelisa naluphi na "uloyiko olusisiseko" lokungabaza uze ube ngumtyalo-mpu melelo.
Inyathelo 1: Fundisa
Ukuba nolwazi luyimpahla ebalulekileyo yokuphumelela. Xa ufundiswa kwiimarike, kunye neesitokisi ngaphakathi kuyo, kwaye ufunde oko ukulinda, uya kufumana ukuqonda malunga nokuthenga nokuthengisa. Uyakuziva ukhululekile ukwenza izigqibo kwaye kufuneka uqiniseke ngakumbi ngokukhetha kwakho.
Inyathelo 2: Hlela iinjongo
Uzibona phi wena ngonyaka? Minyaka emihlanu? Iminyaka elishumi?
Ukuzibeka ezi njongo kukuvumela ukuba unqobe ukwesaba ngokuzimisela. Xa isisiphumo sakho esifunileyo sisetyenzisiweyo, uzibeka kwindawo ephosakeleyo neyokukhuthaza. Njengebhonasi eyongeziweyo, ubeke ixesha lokuhamba lwakho.
Inyathelo lesi-3: Jonga i-Big Picture
Thatha isinyathelo emva. Hlola kwakhona. Khangela oko kufuneka ulahlekelwe ngelixa ugxininise oko kufuneka uzuze.
Ukutshala imali kwimarike yemasheya akuyona into eyoyikisayo njengoko unokucinga. Ufundiswe ngokwengeziwe kwesihloko, kuya kuba lula ukuvavanya ukhetho.
Inyathelo lesi-4: Qala iNcinci, Yandisa
Ungesabi ukuqala encinci . Qalisa ngeemali ezincinci zemali ukuze ungabi nengozi kakhulu ngelixa ufunda.
Emva kokuba uthembele ngakumbi, utyalo-mali olukhulu lweemali luya kuba yinyathelo elilandelayo elifanelekileyo. Ngeemali ezininzi, unokukwazi ukuvelisa inzuzo enkulu.
Inyathelo 5: Isicwangciso soTyalo-mali
Xa unesicwangciso, ukuyenza kuyilula. Khangela imizekelo yezicwangciso ezahlukeneyo zokuthengisa kwi-intanethi, kwaye usebenzise izakhono zakho kunye nendlela yokukhetha.
Zininzi izicwangciso zinokukunceda ukuba uzuze, ngelixa abanye bangase badideke baze bangabikho. Le ngongoma apho kufuneka ulungelelanise indlela yakho ngokuhamba kwexesha ukwenzela ukuba uhlaziye isicwangciso sakho sobuqu uze ukhululekile nalo.
Inyathelo 6: Indlela elula
Gcina izicwangciso ezilula. Xa indlela yakho yotyalo-mali ilula, awunakuncipha ukuba ungagxininiswa okanye ubaleke.
Ukongezelela, icebo lakho lilula, kulula ukuba libone imiba, kwaye wenze utshintsho oluthile kunoma yimuphi umbandela othile; uhlobo lweenkampani ukuthengisa; isabelo ngasinye ngesabelo; ixesha elide lokubamba; iindlela zokuhlalutya.
Inyathelo lesi-7: Vele usene
Ngamanye amaxesha ufanele ulume le bullet uze uzenzele into enokuthi ukhululekile ngokupheleleyo. Emva kokuba uqale ukuthatha amanyathelo ohambweni lwakho olutsha, umendo uya kucaca.
Kulo mtyalo-mali omtsha, oku kuya kuziva ngathi uhamba kwi-fog. Ukususela emkhatsini umbono wakho ukhanyiswe, kodwa njengoko usondela ngakumbi uya kukwazi ukubona indlela.
Ukulungelelanisa kwakho, kulula ukufumana esi sigaba. Xa unengcamango engalunganga yeenjongo zakho kunye nendlela oya kuyo, uza kubona ngokucacileyo indlela yokufika khona.
Isinyathelo 8: Musa ukuphazamiseka
Ngamanye amaxesha akukho nto ihambayo njengoko ihleliwe. Nangona kunjalo, gcinani engqondweni ukuba uya kufunda okunye kwiipazamo zakho, kunokuba xa uphendukela inzuzo!
Buyela uphinde uqale kwakhona. Sebenzisa izicwangciso ezikhankanywe ngasentla ukuze unciphise naluphi uloyiko olusenokuvela. Yamkela imeko, yamkela zonke izinto ozifundayo (zombini ezilungileyo, kunye ezimbi), kwaye usebenzise zonke izinto ukwenza izigqibo ezintle kwixesha elizayo.
Ukusuka apha kuya kuwe. Ukuba ufuna into engalunganga, uya kufumana indlela yokwenza uloyiko lwakho. Sebenzisa la ma nyathelo ukuze ufumane ukuzithemba, kungekhona ukukhawuleza.
Wonke umntu kufuneka aqale kwindawo ethile. Abanye banethuba elingaphezulu lokuzinikezela ekufundeni kunabanye, ezinye zivelisa iziphumo ezingcono, ngelixa abanye "banengqondo" ekutyala imali.
Nangona kunjalo, kungakhathaliseki ukuba imeko yakho, unokuhlala ulunge ngakumbi kunakho. Kukho rhoqo ukuphuculwa, kwaye le nto iyimfanelo yomntu onokuthi ugxile kuyo.
Ekupheleni kosuku, wonke umntu waqala kwindawo ethile. Umlinganiselo wenkqubela phambili yindlela umntu ngamnye aphucule ngayo ngaphezu kwexesha.
Ngoku thabatha ezi ngongoma ezisibhozo, kwaye uqhubeke ukhululekile. Qhubeka ukhula njengomtyalomali kwaye inzuzo yakho iya kukhula kunye nawe.