Umtshina obaluleke kunawo wonke emhlabeni uluthando, ludonsela izimo nezinto, likwazi ukuguqula zonke izici zokuphila. Ukwenza imali endlini, kufanele kuqala kuqala ukuthandana. Abaningi bangaphikisa lokhu, bethi wonke umuntu uyathanda imali. Ngokungangabazeki, lokhu kunjalo, kodwa ezingeni elingenakuqonda kusukela ebuntwaneni abaningi baye bathatha isimo sengqondo sabo esingalungile ngemali. Umuntu uphupha ukuthi unemali eningi, kodwa uthi "abahlali kabi," "imali ayijabuli," "konke okubi emhlabeni kuvela emalini," "imali iyingozi." Futhi okungaqondakali kwalowo muntu, kuyomvelo ukumvikela ekubeni imali igcinwe kuye, futhi uma beza, abazange bahlale isikhathi eside.
Ungalokothi uzitshele noma abanye ukuthi unemali encane. Ingane icela umama ukuthi amthengise ithoyizi, futhi umama uthi: "Anginayo imali." Kukhona inkolelo enjalo yokuthi izwe liyisibuko, futhi uyavumelana nathi. Utshela ukuthi awunayo imali, futhi uzovuma nawe, kahle, njengoba ufisa. Ingane kufanele ithi uzothenga ithoyizi kamuva. Uma uhlale uthi unemali encane kakhulu, ngeke kube khona. Uma uhola kancane, cabanga ngokuthi ungayithola kanjani imali eyengeziwe, into esemqoka ukudala ngokucacile isifiso sakho sokuthola okuningi.
Iyini inkulumo yothando lwemali? Kudinga ukunakekelwa. Endlini kufanele kube nendawo yokugcina imali, kungakhathaliseki ukuthi iphephile, noma i-casket enhle. Isikhwama semali sithenga ngendlela oyithandayo, ungaba obomvu. Imali kulo kufanele ifakwe ubuso phezulu kumnikazi, kufomu elandisiwe.
Isikhwama siphathelene nokuheha imali ekhaya lakho. Imfuneko ebaluleke kakhulu ukuthi isikhwama kufanele sibonakale siqinile. Kuyinto efiselekayo kusuka kokuqukethwe kwekhwalithi, umbala ofanele nobukhulu obukhulu. Ama-banknotes kufanele afakwe esikhwameni, ngaphandle kokugoba. Imibala yengcebo yimibala yensimbi nomhlaba, futhi ibumnyama, imnyama, yonke i-shades yegolide nobubanzi obuvela e-orange kuya ephuzi, futhi bubomvu. Ukuze ungaphazamisi ukugeleza kwemali esikhwameni, ngaphandle kwemali, akufanele kube khona: amakhadi ebhizinisi, izithombe zezihlobo zakho, amakhalenda, akukho checks, kodwa imali kuphela.
Imali igcwale injabulo, phuthukisa lo mkhuba. Emva kwakho konke, imicabango iyinto ebonakalayo, ngakho-ke udinga ukulondoloza imali hhayi usuku oluluhlaza, kodwa olukhanyayo. Zama ukuthuthukisa ukucabanga komuntu ophumelelayo, ocebile. Ziqiniseke ngalokhu kanye nemali oyothola ngokushesha noma kamuva.
Imali kufanele ibeke eceleni ngenxa yesizathu, kodwa into ethile ecacile. Ungesabi ukuphupha, ubonise ngokucacile imininingwane, ukuthi yini oyifunayo. Ngisho noma ngabe umgomo wakho awufinyeleleki futhi uqhelile, cabanga, njengokungathi usufikile kakade. Lapha uphuma ngaphandle kwegalaji emotweni entsha, noma usike utshani ukusuka ekhaya lakho elisha.
Cabanga njengomuntu ocebile futhi ocebile, ususe imikhuba nokucabanga okudala okuvimbela ukuheha umcebo endlini. Isibonelo, umbuso wokulondoloza okunzima kakhulu ngeke kukujabulise futhi ucebile.
Amandla emali akufanele aqhube, imali ithanda ukunyakaza. Funda ukuthatha imali empilweni yakho futhi uvumeleke kalula. Kodwa futhi imali iyithanda ngokwayo isimo sengqondo esifanele. Udinga ukuhlela izindleko zakho, awukwazi ukuchitha imali eyengeziwe kunokuba uzuze.
Ukuheha imali, udinga ukugcina izimpawu zemali, ezihlolwe yisikhathi:
Ukwenza imali endlini, akudingeki usebenzise imali ngosuku lomholo wakho. Ekuseni, ingxenye ethile yemali kumele ibekwe eceleni ngezinjongo eziyinhloko, kanti yonke imali kufanele isabelwe izidingo ezidingekayo.
Isikhwama akufanele sibe yize, okungenani imali eyodwa kufanele ibe kuyo. Wonke ama-banknote kufanele afakwe ubuso nobuso. Ehhovisi elincane, gcina i-mascot, ingaba idola elilodwa noma i-euro eboshwe enxantathu. Kuhle ukugcina imali ejabulisayo etholakala kumuntu ojabulayo, noma imali eshiywe emalini yakho yokuqala. Kungaba futhi izinhlamvu zemali zesiShayina eziboshwe ibhande elibomvu. Ungenza ama-talismans akho, okuzoheha imali kuwe. Gweba umugqa wephepha eliphuzi eliphuzi elizoba ngosayizi encane, bese ubhala kuso ngephepha elibomvu "empilweni yami ngivumela imali." Ukuvula isikhwama, ngaso sonke isikhathi ngezinga elingenakuqondisisa, uzophinda lawa magama. Uma usutholile noma unqobile imali, kungcono ukusabalalisa noma ukuchitha ngokushesha, imali enjalo akufanele ibanjwe isikhathi eside, ayilethe injabulo.
Ungakhanga kanjani umnotho nokuchuma ekhaya lakho?
Ngeke siphikisana nalabo abathi imali kufanele izuzwe. Yiqiniso, kuyadingeka, kodwa uma ungayithola ngaphandle kobunzima, ngakho-ke kufanelekile ukuyizama. Kunezibonakaliso eziningi ezihlukahlukene ukuthi izintaba zegolide zisithembisa. Asithembisi ukuthi kuzoba nezigidi, kepha omunye angabuye abe nenhlanhla.
Kunezibonakaliso ezinesikhathi eside futhi ezihlonishwayo, zikhumbule nje, mhlawumbe othile uzikhohliwe.
- Ungabeki isikhwama esinesikhwama phansi.
- NgoLwesibili anganiki muntu ngesikweletu.
- Unganiki imali ngemnyango.
- Ungabali imali ebhange lezingulube.
- Awukwazi ukunikeza izipho ezivela esandleni ngesandla sabampofu.
- Udinga ukugcina imali esikhwameni sakho.
- Udinga ukunikela ngemali ngesandla sakho sokunene, bese uyithatha ngesandla sakho sobunxele.
- Nikeza u-10% wemali yakho engenayo kwi-charity.
- Ukuxhumana nabantu abaphumelelayo nabacebile.
- Yazi ukuthi njalo unayo imali eyanele.
Kodwa izibonakaliso azizona ezijwayelekile. Endlini kufanele kube nomyalelo omuhle, ezicathulweni zehholo akufanele ziqhume, ngeke kube khona imali, zizobalekela. Amafasitela endlini kufanele ahlale ehlanzekile. Izinto ezisekhabetheni kufanele zilale kahle emashalofini.
Funda ukujabulela ukuphila. Vuka ekuseni, smile, ucabange ukuthi usuku oluhle lolu suku luzoba luni. Uma umuntu ejabule, ulawula izimo. Imali ithanda abantu abaphumelelayo, ohlale edikibala, imali ngeke ifike kuye.
Imali ingamandla, ahlala ehamba phambili. Uma uzothola imali eningi, ngakho-ke ngaphandle kokuzisola ufunde ukuzinikela. Uma unikeza ngokwengeziwe, lapho uzothola ngokwengeziwe, i-boomerang ibuyela kuwe.
Ngomqondo wangempela, lapho ingcebo "iwela ekhanda", ayikho into enjalo. Kodwa ngandlela-thile imali ibonakala yodwa. Uthola ukwenyuka kumholo, okwakungalindelekile, uthola isikhundla esisha.
Yiba njengomuntu ocebile ohola. Uma ufuna ukuthenga imoto, bese uqala ukuhamba ngama salons abizayo, lapho athengiswa khona, athathe umkhathi wonke womcebo, ngoba ufanelwe.
Yiba umuntu othembekile. Uma kusitolo umthengisi wakunike ushintsho olukhulu, kunalokho okudingekayo, buyisela le mali. Kwakuyisivivinyo sokuthembeka kwakho. EJapane kubhekwa njengokubi ukuphakamisa isikhwama somgwaqo emgwaqeni. Kukholelwa ukuthi uma uthola imali, ungalahlekelwa okubaluleke nakakhulu. Kungcono ukudlulisela le mali emaphoyiseni.
Kufanele kukhunjulwe ukuthi iNdumo yethu inomusa, iningi futhi inhle. Kukhona izinto eziningi kulo, nakuwe. Kumele simtshele ngezifiso zethu. Lokhu kungenziwa kanjani? Vele ubhale isifiso sakho bese ubeka endaweni ethile eyimfihlo. Futhi-ke udinga ukuthi ube nesibopho kuzo zonke izenzo zakho. Ungafungi, cabanga kuphela okuhle nokukhanyayo, futhi uphathe abantu njengokungathi ufuna abantu baphathe nawe. Futhi kholwa kimi, ngeke kube kude. Nonke nithola ikhulu. Uma uhlonipha futhi uzithandayo ngokwengeziwe, uzoba nabantu abaningi abanesimo sengqondo ngawe. Abangane bethu, bayoba yingcebo yethu, akunjalo?
Manje siyakwazi ukuheha imali nokuchuma endlini. Yiba nezingane zakho, impilo yakho, ukuthuthukiswa kwakho, wena kanye nalokhu kuyoba yingcebo yethu. Hlaka, smile futhi ujabule. Kuzo zonke izenzakalo ezijabulisayo, nsuku zonke, umhlangano omusha. Abantu abajabulayo bawela ezandleni zabantu abajabulayo.