Kuze kube yamuva wadlala naye esitolo futhi "uthenge" izimoto zakhe, ekhala ngemibala ekhanyayo. Manje uchitha imali nge-bullshit, ucela amasinki abizayo, "njengabo bonke abanye," bese eba izintambo ngokuthula. Indlela yokufundisa kahle ingane ukuba imali? Ngakho-ke, sizoqala umhlangano wabazali bethu wezincwadi: izingane kanye nemali - lesi sihloko sithinta wonke umuntu.
ISINGENISO KUCOURSE
Ekuqaleni kokuphila komuntu, imali ayitholi nhlobo. Njengasekuqaleni komlando wesintu. Ingabe ingane ithanda iloli lomlilo lomuntu? Kunezindlela ezintathu zokungazithembi zokuqothula:
a) uyithathe bese ubalekela i-sandbox (ukubamba impahla yomunye umuntu);
b) ukulwa empini (impi);
c) amnike itanki lakhe elithukuthele ngalo (ukushintshaniswa kokuthula "kwezimpahla - izimpahla").
Shintsha inqubo. Ukushintshaniswa - umbukiso wezobudlelwane bezimali, kanye nokuzikhandla kwayo kufakazela esigabeni esiphakeme sokuthuthukiswa. Amabhuku, amatheyipi, amathoyizi, ama-disks - into ngayinye inombono womntwana inani elithile, ikakhulukazi elingenangqondo, ngokomzwelo. Isibonelo, intombazane ebiza kakhulu yaseJalimane doll ishintsha kalula ku "china" enkulu ebhokisini elincane.
Ukushintshaniswa kohlobo lwempahla "yemali-kuya-impi" kungena ekuqondeni kwengane ngezikhathi ezahlukene. Lokhu kuhlelwe kakhulu ngumndeni. Kunombono wokuthi izingane nemali ziyizinto ezingavumelani, into esemqoka iyinsimu ethuthukayo, studio yomculo. Kodwa, ucabanga ngezinga eliphezulu, ungakhohlwa ukuthi nguwe kuphela ongafaka emntwaneni wakho isimo sengqondo esifanele nesiphelile semali. Uma lokhu ku-inoculation kubambezelwa omunye umuntu onamanye amanani okuphila, izinkinga kungenzeka.
Imihlangano yokuqala. Vumela imali empilweni yengane ingaba iminyaka engama-2.5-3, ngesikhathi esifanayo nezinye izinto ezincane. Kuye kuyoba umngane nje.
Ukudlala nomntwana esitolo, sebenzisa umcabango wabazali bakho: ungathathi izinkinobho, kodwa uthola imali. Abageze ndawonye, bawashaye nge-toothpaste - ngesikhathi esifanayo bakhombise ukuthi imali ingcolile.
Ngomntwana oneminyaka engu-5-6 ubudala ungenza izikweletu zephepha zamazwe ahlukene - kuyoba, ngendlela, ithuba lokukhuluma ngomlando kanye nezwe. Abasenkulisa bangakusiza ukuthi ukhokhe esitolo, ubeke ushintsho esikhwameni: "Siqala ukubala imali yamaphepha bese sibeka ephaketheni, yizona ezibaluleke kakhulu, bese kuthi izinhlamvu zemali."
Ubuhlobo obukhulu. Kancane kancane, zonke izingane ziqala ukuqonda ukuthi imali ingaba yiziphi izinto - amathoyizi, i-ayisikhilimu, ithikithi esekisini. Kakade eminyakeni engama-4-5, izingane zikwazi ukunikeza izifiso ezifanele phakathi kwebandla - Yebo, kufaka phakathi inani elithile lokuxuba nokuzijabulisa.
Dlala le miqondo emikhondweni nge-doll epholile noma ibhere elihahayo, elidinga, isibonelo, i-ayisikhilimu engu-10 "Gourmand". Kodwa unyaka ngamunye imidlalo yakho kufanele ibe eduze nokuphila kwangempela.
Izingane zikhula - izifiso nezidingo zabo zikhula. Okungeyona into efanayo. IJeans - lesi sidingo (kuyadingeka). I-jeans yomklami - lesi sifiso (ngifuna). Kuhlala ukuze uthole ithuba (ngiyakwazi). Ukwenza ukuthenga, kuyadingeka futhi kwanele ukuthi "kuyadingeka", "Ngifuna" futhi "Ngiyakwazi" ukuguqula ngesikhathi esisodwa. Kodwa ...
"Abazali - ama-oldies ekugcineni bangakwazi- bakhononda ku-Pavel N. oneminyaka engama-14 ubudala - Bakuthola lokhu ngokuthi" Ngiyakwazi "kuphela okudingekayo" kumele ", ukuze angayihamba!" Qaphela ukuthi uPasha akalokothi "aqedwe" - intombazane enhle, ekhulile . Ngo-jeans kusuka ku-Armani.
Umsebenzi wabazali, futhi ngezinye izikhathi we-psychologist, ukuvula ingane-foal ekhulayo ngokwezifiso zayo. Zikuphi lezi zinsiza zemilingo ezilele, ngokwanele ukuba "zifune"? Inhloko ye-tycoon ngayinye encane imise izinsika ezintathu: i-pocket imali, inikelwe futhi izuzwe.
IZINTO EZINTATHU NEZINTATHU EZINTATHU
Izindleko ze-Pocket. Izimali ezincane kakhulu zansukuzonke zidingwa kakhulu ezinganeni ezivela eminyakeni engu-6-7 ubudala. Izindleko zemali ziyi-food - ijusi noma umqulu ngesikhathi sokuphumula. Kodwa ungenza ngaphandle kwesikhumba! Ama-ruble angu-15 ngosuku anama-ruble angu-30 ngezinsuku ezimbili. Futhi ungakanani osindisa ngoMgqibelo ... Ungamangazi ingane uma egcina. Kodwa kuyoba ukuhlakanipha ukuchitha imali, ukubeka phambili kuqala, kube yinto enhle.
Othisha bakholelwa ukuthi kungakapheli izinyanga ezingu-3-4 ingane ijwayele ukucabangela ukuzinikela, ukugcina imali ngendlela efanele, ukukhumbula ukuthi zingaki ezisele. Yilokho okuhlulekayo ukuhluleka izingane ezincane - lokhu kuhlela. Awazi ukuthi "amasonto amathathu kamuva" akuphi. Uma ukhokha isikhwama inyanga inyanga kusengaphambili, ngeke kusale lutho emva kwezinsuku ezingu-5-6. Ngakho-ke, eminyakeni yokuqala, nikeza imali okungenani kanye ngesonto.
Ama-receipt amaresidi akhula nesikhathi sezingane zethu. Kungakanani ukukhokha? Akukho iresiphi yendawo yonke. Ngesikhathi uhlala usondelene nengane ngomntwana, ungacabangela kalula izidingo zakhe zangempela. Ingabe wayenayo intombi? Abangane baye bavame ukuvotela? Kuzodingeka futhi ucabange lezi zindleko, kanye nezindleko ze "glands", i-cinema, cafe ...
Kubalulekile. Imali ye-Pocket ikhishwa ngamanani asetshenzisiwe ngaphakathi kwemingcele ebekiwe, ayikho ngaphansi kokubika (kunoma yikuphi, okucacile) futhi ayikwazi ukuhoxiswa noma ijeziswe uma kwenzeka ukulahleka noma ukusetshenziswa kwemali engavamile.
Izipho. Iningi labangqondo bezengqondo baseRussia bakholelwa ukuthi ukunikela ngemali enganeni kuze kube yiminyaka engu-14-16 akufanele. Gxila ezifisweni zakhe - yebo, khetha naye - yebo, isandla esivulophini - cha! Inani le mvulophu lihunyushwa kanje: "Nginezimali, kodwa asikho isikhathi sakho. Anginandaba nokuthi unesithakazelo yini, ukuthi yimiphi imicabango yakho ematasa ngayo. Faka izinyawo zakho ezandleni zakho kanye nawe. "
Uma noma kunjalo esinye sezihlobo sinikeza ucezu lwephepha - jabulela nomntwana! Kodwa isihloko: "Khumbula, waphupha igaraji lezimoto? Unina u-Ira wazizwa! Kusasa sizohamba ndawonye ukuthenga isipho esikhundleni sakhe. " Ngomuntu osemusha lezi zinombolo ngeke zidlule, futhi azidingeki. Mane ukhulume: ukuthi uzokhipha kanjani imali - ingabe uyodla i-ayisikhilimu noma ingabe uzothenga okuthile okubalulekile?
Kubalulekile. Ingane akufanele ichithe imali eyinikeziwe njengeyingozi. Vumelana ukuthi ubeka phambili isipho, futhi uthatha isinqumo ndawonye emkhandlwini womndeni.
Umsebenzi wabancane. Akudingi ukuxoxa ngokujulile ngale nkinga: ingabe ngikhokha imali yokutadisha, ukuhlanza noma ukuhamba inja? Ungalutholi ukukhuthazeka okukhulu kwemisebenzi yansuku zonke - isifiso sokuzikhuphula kanye nokuphumelela, isifiso sokusiza abazali, uthando lwezilwane. Enye into amabhonasi, amabhonasi akhokhelwa "isikhathi esengeziwe". Sula amathayili ayi-6 ekhishini, uqoqe ama-2 amalitha ama-raspberries e-dacha-lokhu kungumsebenzi wangempela womuntu oneminyaka engu-6-7, ongayithola ngayo. Inketho elihle kakhulu - umsebenzi womndeni wonke, ozokwenza ndawonye ukuvumela ukuba uthole kancane noma ulondoloze. Ngakho-ke, isibonelo, umndeni oneminyaka engu-12 ubudala uMisha K. kabili ngonyaka ugeza amafasitela ehhovisi likababa. Ingxenye yemali etholakalayo ngokuvamile idliwa "kwi-Baskin Robbins", kanti ibhalansi ihlukaniswe ngokulinganayo. Futhi nakuba kulula ukuba uMama anike uMisha imali ngalutho (umndeni awunampofu), ngesizathu esithile uhlele kakade le "subbotnik" iminyaka emithathu, ngezinye izikhathi uthatha abangane bakaMisha.
Ngokusemthethweni ungathola umsebenzi uneminyaka engu-14. Isibonelo, izithuba zokuthumela umthumeli, umgqugquzeli, umgibeli womhlaba nomthengisi wesikhangiso, intsha ithola kulula ukuhlala ehlobo, ngesikhathi samaholide. Amathuba amabili okuqala "izisebenzi" azodinga noma asize ukuthuthukisa amakhono okuxhumana omusha, ikhono lokuhamba imephu, ubale isikhathi. Inkokhelo enkulu eMoscow i-rubles ayi-6.5-8 eyizinkulungwane ngenyanga. Uma ingane yakho ekhulile izimisele ukufuna umsebenzi - ungagijimi ngaphambi komkhiqizo! Kulula kuwe ukuthi uqaphele futhi ukhule iziphakamiso ezibuzayo bese ubeka "phansi" kahle labo abemi. Kodwa! Indawo yokugcina ekukhethweni kufanele ifakwe ngumfakisicelo.
Kubalulekile. Ingane inelungelo lokusebenzisa imali eyitholile yona. Kodwa uma efuna ukuthenga ikhekhe le-ayisikhilimu wonke umndeni, lokho kuyisibonakaliso esihle. Kungenzeka ukutshela izindaba ezengaphambili mayelana nomholo wokuqala kababa, ugogo, udade ophezulu.
Ekupheleni komhlangano wethu womzali othuthukisiwe, izingane kanye nemali ayifuni imiqondo engavumelani kakhulu. Kodwa ngingathanda ukunaka iqiniso lokuthi, naphezu kwayo yonke imizamo yabantu abadala, ngezinye izikhathi izingane zisasendleleni yokuba. Izingane ziba imali. Kungani?
5 IZINHLOBO ZOKUSEBENZISWA KWEZINDABA
1. Ukunakekelwa okwanele kubazali. Izingane ezilalelayo zizama ukuheha ngisho ngale ndlela - bheka, ngiyisela! Ngendlela, ngesikhathi esifanayo noma yini ingaba into yokuba. Futhi ukweba izinto esikhwameni somama sikamama lapha kuyindlela engcono kakhulu "engenabungozi".
2. Isidingo sokuzifakazela. Omunye u-classy ugijima ibhola, okwesibini ngezibalo ngaso sonke isikhathi, ingalo iyadonsa. Futhi uma engekho noma enye-indlela yokuphuma? Lokhu kungukuthenga i-"chip" epholile, ngakho bonke baqhubekile ukubona! Ikakhulukazi kubantwana.
3. Isifiso sokuba sibi kunabanye. Okokuqala kuqondiswe kumathoyizi, bese - ukugqoka, "amagajethi" kanye nemali ephaketheni.
4. Isivivinyo sokungabi nabulungisa. Uma imali "engekho i-akhawunti", lapho umama nobaba bekhipha iphepha emaphaketheni nabakhi be-dresser, ingane ayikwazi ukumelana nayo.
5. Ukuphanga kwabafana abadala - lokhu kwenzeka kaningi esikoleni noma egcekeni.
I-EXPERT:
U-Natalia Panfilova, isazi sengqondo somndeni
Kuzohlale kukhona abantu abacebile kunani. Ungazisiza kanjani izingane zakho ukuthi zithathe lokhu? Baqala ukuhlola nokuqhathanisa amandla okuthenga emindeni ehlukene kusukela eminyakeni engu-6-8. Qhathanisa kumathoyizi okuqala, bese izingubo, indlu, imoto. Futhi imibuzo iqala:
- Mama, kungani singenalo ichibi lokubhukuda kuleli zwe? Kungani uKenya eqhuba umshayeli? Ingabe uzothenga ibhayisikili njengePavlik? Ukuphendula ngokuthukuthele: "Asinalo hlobo lwemali, shiye yedwa," - akuyona inketho. Uqhuba inkinga ngaphakathi, vusa umona nokuhaha emntwaneni, uphonsa ukuzethemba. Ungaba kanjani?
Inombolo yesigaba 1. Ungalahlekelwa ukuxhumana ngokomzwelo - ukuxhumana! Ngezingane ezindala, ungakhuluma ngekusasa: "Ngomhawu wakho akukho okuzoshintsha. Ingabe ufuna imoto enjalo - ake sicabange ngalokho futhi kuyodingeka nini ukuyenza. Sizosiza nakanjani. " Izingane, ngokuphambene, zishintsha, futhi zesikhashana: "Ucabanga, ibhayisikili! Siya e-zoo kusasa nobaba. " Kodwa ungazakheli amapulani amaningi, ngoba ingane encane ngonyaka - ke ungalokothi.
Umthetho wenombolo 2. Ungacabangi ukuthi izingane ziziqhenya kuphela ngezinto. Uyazi ukuthi baziqhayisa kanjani ngokuxhaphaza kwethu! Ama-pies omama, i-volleyball kayise ogwini, umfowabo omdala emotweni wahamba ... Yondla njalo ukuhlonishwa kwengane ngempumelelo yomuntu siqu nomndeni.
Isigaba 3. Imali yemali ingane kufanele ixhomeke ezintweni ezintathu: a) ikhono lomndeni, b) izidingo zomntanakho, c) izinga lempahla yabalingani esikoleni. Lezi zici zilingana!
Isigaba somthetho 4. Izinga lezemvelo, imvelo ukhethe kusengaphambili. Ingabe kufanelekile "ukuzikhukhumeza", ukuthola imali esikoleni esiphakeme, uma ingane yakho ikhona ukuba namahloni ngezimoto zakhe zaseChina noma izitebhisi ezishibhile? Khetha isikole, isigaba, studio, lapho akudingeki ukuba ufike esitebeleni sakho kanye ne-diamond cufflinks.