I-50-30-20 Iimfuno zohlahlo lwabiwo-mali esizifunayo kwiiMfuno
Kufuneka kwiJiso loMbonisi
Makhe ndikuxelele ibali elifutshane elibonisa ubunzulu bendalo phakathi kwesidingo kunye nokufunwa:
Kukho isiqhelo seklasi ye-TV ye-Sesame Street apho i-Elmo, i-muppet ebomvu, ifunda indlela yokugcina imali .
URon Lieber, umbhali wemali kwiNew York Times, wabuya wabuza u-Elmo malunga nomlinganiselo phakathi kweemfuno kunye nezifunayo.
ULieber wabuza: "Ukuba i-Cookie Monster ilambile ngempela ikhukhi, ngaba oko kuthetha ukuba uyayifuna okanye uyayifuna?"
U-Elmo akazange aphoswe.
U-Elmo waphendula wathi: " Ufuna ," kodwa ukuba ucela i-Cookie Monster , yena (ucinga ukuba) uyayifuna. "
Oko kuthetha konke. Ngamanye amaxesha, zethu iimfuno zinamandla kangangokuthi asikwazi ukucinga ukuba singaphi ngaphandle kwento. Sasiziva ngathi njengeCookie Monster ngaphandle kwekhukhi.
Kodwa-uxolo lokuphula iindaba, i-Cookie Monster - i-cookie ifunayo, kungekhona isidingo, kungakhathaliseki ukuba uyayithanda kangakanani.
Ziziphi Iimfuno Ezifuna Ngempela?
Kwimiba yamaphepha-bhajethi yam, ndinamacandelo ahlukeneyo kwiimfuno kunye nezinto ezifunayo, kodwa abanye abantu bayayichasa izinto kwi-"wants".
I-intanethi yekhaya, umzekelo, ihlelwa njengento efunwayo, kungekhona isidingo . Uninzi lwabantu ludibanisa i-intanethi njenge "imfuno." Kodwa ngaphandle kokuba usebenze kwiofisi yasekhaya (kwimeko apho, i-intanethi yakho ingaba yindleko zoshishino), kukho indawo enhle ye-intanethi ye-intanethi.
(Ukuba usebenzisa ngokuyinhloko ukujonga i-Facebook, jonga iividiyo ze-YouTube, fumana iincwadi zokupheka kwaye ulayishe iifoto, zifuna.)
Kuyafana neye-TV yakho. Ukubhalisa kwakho kweNetflix. Yakho iPhone. Izinwele zakho zoboya. Zonke ezi zifunayo, ayidingi. Ukuba wehla kuwo, unokuphila ngaphandle kwezi zinto.
Akudingekile ukuba baphile, njengokuba buhlungu njengoko kunokwenzeka ukuba baphulukane nabo.
Iimfuno zeZinqamlezo kunye neziNdawo
Ngokuqinisekileyo, ukufunwa kunye neemfuno azihambelani kakuhle kwiinqanaba ezincinane. Kulula kakhulu, umzekelo, ukutsho ukuba imali yakho yokuthengisa ivenkile iyimfuneko .
I-bill yakho yonke yokuthenga ukutya kukudibanisa iimfuno kunye neemfuno. Isonka, ubisi, amaqanda, kunye neziqhamo kunye nemifuno yonke imfuno.
Ii-chips kunye nekiki (ahem, i-Cookie Monster) zifuna. Ijusi yezithelo ifunwa, ingakumbi ukuba kukho iindidi ze-upscale. Ezi zi-$ 6-per-pounds cuttings of meat zifunwa.
Ngokufanayo, isonka esisisiseko sokutya sisinokuba sisidingo, kodwa i-premium 12-okusanhlamvu yobuninzi be-honey-ukungenisa isinkwa kukufunwa. Ubisi luyimfuneko, kodwa ubisi lwe-organic lufuna. Ngaba uyabona apho ndihamba nale nto?
Sisiphi Isifundo Ndingasisebenzisa Ekuphileni Kwam?
Isabelo-mali se- 50 /30/20 sithi ama-50 ekhulwini kwerhafu yakho emva kwerhafu kufuneka isetyenziswe "kwiimfuno," iipesenti ezingama-30 kufuneka ziye "zifuna," kunye neepesenti ezingama-20 kufuneka ziye kulondolozo kunye nokunciphisa amatyala .
Oko kuthetha ukuba akukho nto iphosakeleyo ngokuthenga isonka esinobuchule nobisi okanye ukubhalisela kwi-Netflix. Umgaqo- mali we- 50-30-20 wesabelomnxeba uvumela ukuba uchithe iipesenti ezingama-30 zokuhlawula ikhaya lakho kwizinto ozifunayo.
Isihluthulelo ukuhlukanisa zakho iimfuno kwiimfuno zakho ukuze ukwazi ukuba uyisebenzisa njani imali .
Ukuhlukanisa "ufuna" ukusuka "kwiimfuno" kuya kukunceda uqaphele ukuba ungakanani amandla kunye nokulawula onakho kwisabelomali sakho. Ukuba ukhetha ukuchitha imali kwizinto ezifunayo, unokukhetha ngokulula ukungazithengi ezo zinto, uphinde uqondise imali yakho kwenye indawo.
Emva koko, uhlahlo lwabiwo-mali, ngokusemgangathweni lwalo, alukho ngamanani e-crunching. Uhlahlo lwabiwo-mali lubugcisa bokulungiswa kwemali yakho ngexabiso lakho.