Ungafunda kanjani ukusebenzisa imali ngokuhlakanipha?

Ngamunye wethu unesimo sakhe sengqondo ngokuqondene nemali: othile ukonga, futhi umuntu uvula isikhwama sakhe kalula, ubhekene nezikweletu ... futhi uyaqhubeka nokuchitha. Ukukhathazeka okungenangqondo kuvelaphi?

Ngithenga ngokungazelelwe into ebiza noma engadingekile futhi uzizuze ngokwakho impumelelo oyifinyelele yona, ududuze ngesikhathi sokudabuka noma ukuzenza nje isipho sibonakaliso somusa kuwe futhi ukwazi ukujabulela ukuphila. Kodwa-ke, uma umuntu ephindaphindiwe esimweni lapho izindleko zidlula khona imali engenayo, ungene ezinkolweni ezingenakubuyiselwa emuva, ubeka inhlalakahle yomndeni wakhe ukuhlaselwa, kufanelekile ukuzibuza: kwenzekani? Indlela yokufunda indlela yokusebenzisa imali ngokuhlakanipha - funda ku-athikili yethu.

Ukungakwazi ukuhlela isabelomali

Kungase kubonakale ukuthi ikhono lokusebenzisa imali ngokuhlakanipha liza kanye nabantu abadala, ngokuzenzakalelayo. Eqinisweni, udinga ukufunda lokhu. Abaningi bethu abazi nje ukuthi bangahlela kanjani isabelomali. Kunzima ukufunda indlela yokusabalalisa imali yakho engenayo uma, isibonelo, kwakungenayo imali ephaketheni ebuntwaneni bakho, noma abazali bakho babanikeze, baqaphele ngokuqinile konke ukuchitha imali, noma, ngokuphambene, banikezwa abaningi ngokufunayo. Ngenxa yalokho, ingane ayizange ibe nombono wemingcele yevunyelwe, ayizange ifunde ukulawula izidingo zayo, ukuqhathanisa izifiso nezifiso namakhono abanye. Ngakho-ke manje, esevele esekhulile, kuzodingeka azifundele. Yikuphi, eqinisweni, kunzima kakhulu kunasebuntwaneni, kodwa ayikho enye indlela yokuphuma. Ukuthenga okuqaphele "Kungani ngingenakuphikisa?", "Ngingabhekana kanjani nalezi zindleko?" Le mibuzo iyayethusa, eqiniswa ukugcwaliseka kokungabi nalutho kwalutho. Ngifuna ukumgwinya - futhi manje isandla sami sifinyelela esikhwameni esiphezulu. Izazi zengqondo zibiza lokhu kuziphatha "ukuthenga okuphoqelekile (okungekho emthethweni)." Lokhu kwenzeka kulabo abakhulela emndenini, lapho kwakungokwesiko ukuphazamisa ingane ezinkingeni ze-chocolate noma isipho. Ingane, isibonelo, iwa, ibuhlungu futhi ibuhlungu, idinga ukutholwa futhi izwele. Kodwa umama usematasa ngento ethile - futhi umnika candy induduzo. Ukukhula, umuntu ngokwakhe uveza lolu hlelo: kuyingozi kuye - uya esitolo. Ukuthengwa kuletha ukusizwa okwesikhashana. Kodwa izinkinga zangempela azihlali zixazululwe. Ngaphezu kwalokho, baqoqa futhi badinga "iziphazamiso" ezingaphezulu. Futhi njalonjalo, kuze kube yiluhlelo lwezenzo ezinjalo luba yinkinga enkulu ngokwayo. Lokhu kufaniswa nokulutha kwezidakamizwa noma bulimia: ukuchitha okunganakeki nakho kungaba uhlobo lokuthembela.

Imilayezo Efihliwe

Imfucuza engenangqondo ingaba uhlobo lomlayezo ongafundile. Isibonelo, indoda ivele ithengise indlu yaseshashalazini - futhi umndeni awukwazi ukuhamba eholidini. Lokhu kuziphatha okungewona omdala, ngemuva kokunye, esikhundleni sokunakekela izingane zabo, uqala ukuncintisana nabo, uthenge "ithoyizi" kuye ngokwezindleko zenhlalakahle yabo. Isigijimi sakhe: "Angifuni ukuba ngumuntu omdala, angikulungele ukuthwala abanye." Umkami uthenga enye yezinto eziyigugu eziyigugu. Umyalezo wakhe ungase ube: "Nginake, ngidinga uthando." Indodana endala idlala umhlalaphansi kamama wakhe: "Manje senginecala, uncike kimi futhi awukwazi ukujezisa." Esimweni ngasinye, izindleko ezinjalo ezingavumelaniyo zifihla ukungajabuli komphefumulo, futhi kubalulekile ukuqonda ukuthi yini "umphefumulo" we-embezzler-uthando, ukuphepha, ukuvuma, ukucela, ngempela ukucela? Misa ukungcola kungenzeka kuphela ngokuqaphela nokwanelisa isidingo sangempela, esilandelayo.

Yini okufanele ngiyenze?

Qala ukugcina idayari yezindleko: bhala phansi ukuthenga kwakho, okubonisa hhayi izindleko kuphela, kodwa futhi nemigomo yokuthenga. Yayiyini imizwa yakho ngesikhathi sokuthenga (wawunesizungu, udabukile noma ujabule) futhi emva (uke waneliseka, umuzwa wecala ...)?

Uma ufuna ukuthenga okuthile, ungasheshi esitolo ngokushesha - thatha isikhathi esincane. Yiya endaweni ethule, enokuthula lapho ungayikuphazamiseka khona, bese uzibuza: "Kungani ngidinga lokhu kuthenga? Yini engiyilahlekile? Ngisiphi isifiso sami sangempela? "Ungabuza abangane noma ukuvala abantu ukuthi bakubuze le mibuzo ngokuzwakalayo. Noma ukhulume ngakho ngomuthi.

Unganquma kusengaphambili imali ongayisebenzisa ukuze uhlangabezane nezifiso zakho ezingalindelekile. Nika isikhathi esivela ekhadini lesikweletu futhi, ushiye indlu, ungathathi ngaphezu kwalokho ozoyichitha. Into eyinhloko ukujabulela ngokugcwele injabulo ukuthi into entsha idlulisa. Ngakho-ke ungakwazi ukuthola injabulo yokuthenga nokuqeda imizwa yecala.

Ngezinye izikhathi kunokwenzeka ukuxazulula isimo esiphuthumayo ngokukhokha izikweletu zomunye umuntu. Kodwa nakakhulu kuzomenza acabange kuze kufike "ukuhlaselwa" okulandelayo, okubi kakhulu - uzofihla lokho asetshenziselwa imali, kuze kube yilapho isimo semalimbozo siphinde sithemba. Iningi lentengo yokuthenga ngokweqile yenziwa yedwa. Ukuze uhambe nomuntu onethambekele ekuqhathaneni ngokweqile, ekuhambeni kokuthenga ukusiza ukuthi agodle izindleko ezingadingekile. Kodwa kufanelekile ukunakekelwa kokuphepha kwakho kwezimali: isibonelo, ukugcina imali kuma-akhawunti ahlukene.