Izinyathelo eziyisikhombisa zokuguqula ubudlelwano bakho nemali

Ubuhlobo bakho nemali buyithonya elinamandla kuzo zonke izici zokuphila kwakho kwansuku zonke.

Akwanele ukuba neholo. Lena yindlela imicabango nemizwa yakho mayelana nemali eyithonya ngayo indlela oyisebenzisa ngayo.

Kunezinketho ezengeziwe ezitholakalayo Ubuntu obuhlukene bemaliUbudlelwano bakho nemali buyingqayizivele. Ungathola wonke umuntu, kusukela kulabo abangongayo nabasebenzisa imali kuya kulabo abangafuni ukucabanga nganoma yini.

Kungakhathaliseki ukuthi yikuphi, kubalulekile ukuba nobuhlobo obuhle nemali yakho.

Ukwenza lokhu, lesi sihloko sizokukhombisa ukuthi ungathuthukisa kanjani ubudlelwano bakho nemali yakho. Kuhlanganisa ukuqonda isimo sakho, ukubeka imigomo nezinhloso, kanye nezinyathelo okudingeka uzithathe ukuze wenze ubuhlobo bakho nemali buphumelele.

Ake sicwilise!

Bubaluleke kangakanani ubuhlobo obuhle nemali?

Ukuthi uyaqaphela noma cha, usuwakhile ubudlelwano nemali. Izinqumo zakho zomsebenzi, indlela osebenzisa ngayo imali, nokukhetha kwakho ukudla konke kuthonywe lobu budlelwano.

Ubudlelwano obunempilo ngemali bungaba nomthelela omuhle ebudlelwaneni bakho nayo.

Ubudlelwano obunempilo nemali budinga ukuqonda ukuthi imali isebenza kanjani. Kufanele usebenzise imali yakho ngendlela ezokusiza ugcine impilo enhle futhi unciphise ukucindezeleka. Lokho kusho futhi ukutshala imali ekusekeleni isikhathi eside.

Ubudlelwano obuhle buyisihluthulelo senkululeko yezezimali kanye nenhlalakahle.

Yeka ukuthi ubuhlobo obubi nemali bungaba njani

Izinqumo ezingezinhle ngemali zingaholela ebuhlotsheni obucindezelayo nemali.

Ungabona lokhu njengalokhu:

• Amakhadi esikweletu: khulisa umkhawulo wakho wesikweletu

• Akufanele uphathe imali yakho

• Ukwenqaba ukwesekwa yizikhungo zezimali noma ukukhuluma ngemali

• Abathandi futhi bakhombisa intukuthelo kubantu abavikelekile ngokwezimali

• Ukwesaba ukusebenzisa imali ezintweni ezibalulekile

Ubudlelwano obubi bezezimali bungaba nomthelela omubi kubo bonke obunye ubudlelwano.

Bheka, isibonelo: Isehlukaniso ngokuvamile sibangelwa izinkinga zezimali. kwabaningi futhi kungabangela ukungqubuzana kwezomnotho emindenini.

Ubuhlobo obunempilo nemali bungaba buhle

Konke kubonakala kusebenza uma unobudlelwano obuhle nemali. Ilanga likhanya kakhudlwana, izinyoni zicula kakhudlwana, futhi ujabulela ukuphila ngokwengeziwe ngoba awuzikhathazi ngemali.

Imali iyingxenye enempilo yobudlelwano obunempilo

• Uhlelo lokusebenzisa imali yakho noma ibhajethi

• Jabula ngalokho osekuzuzile

• Kubalulekile ukuba nohlelo oluqinile lokonga noma oluphuthumayo

• Phila ngaphandle kwezikweletu noma ukhokhe ngenkuthalo izikweletu zakho

• Kungenzeka ukuthenga ngaphandle kokuzizwa unecala

Uma unobudlelwano nemali obungasebenzisa ukuthuthukiswa, nali ulwazi olwengeziwe lokuthi ungabuguqula kanjani ubudlelwano bakho nemali bube into enempilo futhi eqhubekayo.

Indlela yokusungula ubuhlobo obunempilo nobujabulisayo

Kubalulekile ukwazi ukuthi ukuguqula ubuhlobo bakho nemali kuzothatha isikhathi. Awukwazi ukushintsha izinkolelo zakho ezingezinhle noma udale imikhuba engcono yokwenza imali ngobusuku obubodwa. Uzoqala ukuqaphela ushintsho ngomzamo omncane nesikhathi.

1. Hlola ngobuqotho ubudlelwano bakho.

Kubalulekile ukuthi uthathe el tiempo kudingekile ukuhlola isimo sakho sezezimali futhi ungenzi izahlulelo ngaso. Khumbula ukuthi noma ngabe ubudlelwano bakho buyini, abukwenzi umuntu omuhle noma omubi.

Le mibuzo izokusiza uqonde ubudlelwano bakho.

• Ucabangani ngemali? Ingabe zinomthelela omuhle noma omubi?

• Ingakanani intuthuko yami onyakeni odlule ngemali?

Nansi eminye imibuzo eyengeziwe engakusiza ukuthi ushintshe ubudlelwano bakho nemali.

Abazali bakho banabuphi ubuhlobo nemali?

Indlela okhuliswe ngayo idlala indima enkulu endleleni osebenzisana ngayo nemali. Ngisho noma abazali bakho bengakufundisanga ngemali, wawufunda ngokubheka ukuthi bakhuluma kanjani futhi bayisebenzisa kanjani imali.

Uma abazali bakho beyonga kakhulu futhi bechitha imali kuphela kulokho okudingekayo, futhi, ungaba nalobu buhlobo obufanayo noma okuphambene.

Ungase ube nesimo esiphambene: umshado lapho uchitha khona imali eningi ezintweni eziwubukhazikhazi zezingane zakho.

Ingabe ulingisa ubuhlobo bezezimali babangane bakho?

Ubudlelwano bakho nemali buzothonywa abantu ozihlanganisa nabo.

Uma iqembu lakho lezenhlalo likhononda ngemali njengokuthi bekuyisifo, ukuziphatha kwakho nemicabango yakho izoqala ukubonisa lezo zinkolelo ezimbi ezifanayo. Ungase uzizwe ungenayo i-positive kanye ne-pragmatic ngemali.

Umbuthano wakho wethonya unethonya elikhulu kunalokho ocabanga ngakho.

Hlola ngobuqotho ubudlelwano bakho

Ukucabanga ngobudlelwano bakho bamanje akusona isinqumo sokuthi umuhle noma mubi ngemali. Uma ucabangile ngobudlelwano bakho bamanje, zama ukubuchaza ngesitatimende esisodwa noma ezimbili ezingahluleli. Nazi izibonelo:

• Imali iwubudlelwane obubalulekile kimina.

• Ubudlelwano bami bezezimali bamanje bungobokusebenzisa imali ngokweqile.

Ungaguqula ubudlelwano bakho bezezimali uma uwazi kahle amaqiniso kanye nesitatimende esiqinile.

2. Chaza indlela ekahle ongathanda ukuba nobudlelwano obusha.

Lesi yisikhathi esifanele sokushiya okwedlule ngemuva futhi ugxile kwekusasa. Ingabe ufuna ubudlelwano obunobunye nemali?

Ufuna umlingani wakho ajabule, kodwa futhi abe nomthwalo wemfanelo. Ungakwazi, isibonelo, ukusebenzisa imali yakho ezintweni ozithandayo futhi wonge.

Uma usukwazi ukubona ubuhlobo, cabanga ukuthi buzothinta kanjani impilo yakho yansuku zonke. Lobu budlelwano obusha buzoshintsha umbono wakho, imikhuba yakho, nokuziphatha kwakho.

Buzoba njani ubudlelwano obusha?

Qala ngokucabanga ngezindinganiso zakho. Ngakho-ke, qiniseka ukuthi uhlanganisa ubudlelwano bakho obuhlobene nemali namagugu akho.

3. Ukuze ubudlelwano bakho buphumelele, kufanele ubeke inhloso noma umgomo.

Manje yisikhathi sokuhlanganisa ebudlelwaneni bakho obusha nobuthuthukisiwe futhi wakhe inhloso noma inhloso.

Lokhu kuzokusiza ukuthi unqume ukuthi hlobo luni lomphumela ongawuthanda ebudlelwaneni bakho.

Ingabe ufuna ukukhulisa ukonga kwakho? Ingabe uqinisekile ukuthi wenza imali eningi kunangaphambili? Uyafuna ukwehlisa isikweletu sakho?

Kuzokugcina ugxile futhi ugxile emgomweni wakho wokwakha ubudlelwano obusha. Uzokwazi ukwenza izinguquko futhi uthuthukise imizila emisha ekusiza ukufeza umgomo wakho omusha.

Lezi izibonelo ezimbalwa nje zemigomo yezezimali:

• Yiba nesimo sengqondo esihle futhi uzikhokhele wena kuqala.

• Isabelomali noma uhlelo lokusebenzisa imali kufanele luhambisane namagugu akho

4. Misa isisekelo esiqinile sokusekela lobu budlelwano obusha

Uma ubeka izinyathelo endaweni, yilapho uqala khona. Iyingxenye ebaluleke kakhulu kunoma yiliphi ikhaya. Ingabe ikhona ingxenye eqinile yobudlelwano benu kunesisekelo?

Lesi sisekelo singakhiwa ngemfundo. Ukuqonda ukuthi imali isebenza kanjani, isetshenziswa kanjani, nokuqonda isimo sezezimali kungasiza ekuguquleni ubudlelwano bakho nemali.

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5. Ungakhohlwa ukukhombisa umusa

Kubalulekile ukukhumbula ukuthi usuneminyaka unalobu budlelwano obungebuhle. Kulungile uma ungashintshi izinto ngobusuku obubodwa.

Lawa masu angakusiza ukuthi uzinikeze umusa ngokuzayo lapho uzizwa sengathi uzitshela ukuthi uhlukile.

Ungazithethelela ngamaphutha ezezimali adlule

Akuwena wedwa owenza amaphutha emali. Ngisho nabacebile sebekuzuzile. Ungagxili emaphutheni futhi ungazami ukuwalungisa. Kunalokho, funda emaphutheni akho.

Uzoqhubeka uzama uze ukuthole

Kungase kungenzeki okokuqala, kungakhathaliseki ukuthi ubhajetha kanzima kangakanani noma uzame ukuba nombono omuhle ngemali. Lapho ubuyela emikhubeni emidala, qaphela futhi uzibuze ukuthi uzokwenza kanjani kangcono ngokuzayo.

6. Cela iseluleko kuchwepheshe

Ukwelulekwa ngomshado kuyisihluthulelo semishado ejabulisayo. Ungase ukuthole kufana nendlela ohlobana ngayo nemali. Kwesinye isikhathi udinga usizo oluncane lwangaphandle.

Ungaphinda ufune isiqondiso kochwepheshe bezezimali ukuze bakusize wenze izinqumo ezinolwazi mayelana nezimali zakho.

Ochwepheshe bangakusiza ukuthi wenze isu lemali yakho elikwenza uzizwe ungcono.

7. Bungaza ubudlelwano bakho obusha

Ukugubha obunye ubudlelwano yinto esivame ukuyenza, njengobudlelwano obusha, umsebenzi omusha, noma ukuba nengane. Bungaza ubudlelwano bakho ngokusebenzisa imali. Kuzoba nomthelela kubo bonke ubudlelwano ezimpilweni zethu.

Asiyigubhe!

• Bamba iphathi yokudansa endlini yakho

• Jabulela intambama ephumule

• I-dessert yakho eyintandokazi ikulindile

• Vakashela indawo yakho yangaphandle eyintandokazi

Gwema ubudlelwano obungenampilo nemali yakho

Manje njengoba usuyazi ukuthi ungabuguqula kanjani ubudlelwano bakho nemali bube obunempilo, masiqinisekise ukuthi ungabugcina lobu budlelwano. Njengasebudlelwaneni bezothando, akukho ukubuyela emuva nomlingani oyivila futhi ongabongiyo.

Nakhu ukuthi ungahlala kanjani ngaphandle kwalo mjikelezo.

Dala imikhuba emisha yokwenza imali ukuze ugweme imikhuba emibi yemali

Imikhuba emihle ingaba nzima ukuyiyeka. Akufanele uchithe amandla akho uzama ukugqashula emikhubeni emibi. Gxila ekudaleni imikhuba emisha nengcono.

Ukuthuthukisa imikhuba yemali kungase kufane nokuzenzela imali oyilondolozile, ngakho awulindi uze usebenzise ingxenye enkulu yesheke lakho lokuhola ukuze wonge. Ungakwazi futhi ukufaka usuku ngemali njengomkhuba omusha.

Idethi yemali Yilapho ubekela eceleni isikhathi njalo ngenyanga ukuze ubuyekeze isimo sakho sezezimali. Kubalulekile ukuthi ujabule ngayo.

Ngenkathi ukhuluma ngezintela, hlangana nabangani bakho ukuze nihlanganyele ingilazi yewayini futhi nijabulele ukudla. Ngenkathi ubuyekeza izimali zakho, dlala umculo futhi ukhanyise amakhandlela.

Umgomo uwukwenza imikhuba yemali ejabulisayo nelula, ukuze ungacabangi kakhulu ngokuyenza.

Lawula lokho okucabangayo nokukholelwayo ngemali.

Ucabanga ukuthi imali yimbi? Ucabanga ukuthi labo abanemali eningi bangabantu ababi? Zama umbono ohlukile uma ucabanga ukuthi imali yimbi.

Qala ukubona amandla okwenza okuhle ngemali. Uma imali inikezwa abantu abanezinhloso ezinhle, banganikeza indawo yokuhlala kanye nokudla. Ungathola noma yini oyifunayo ngemali.

Ungashintsha indlela ocabanga ngayo ngemali. Imali iyithuluzi nje.

Chitha isikhathi nalabo abazokweseka ebudlelwaneni bakho nemali.

Cabanga ukuthi ozakwenu bahlale bekhononda yini ngomsebenzi wabo. Khona-ke uzoqala ukukhononda ngomsebenzi wakho, futhi ungase uzizwe ungemuhle ngomsebenzi wakho. Ungenza okufanayo ngemali.

Kungumqondo omuhle ukukhuluma nabanye abantu ngokuthi ungawakha kanjani imali oyilondolozile, uqale ibhizinisi elingaseceleni, futhi uzinze ngokwezimali. Cabangela abantu obathandayo nabathanda umsebenzi wabo.

Laba bantu imvamisa yibona abanobudlelwano obuhle bezezimali futhi abazimisele ukukweseka ngenkathi usebenza kwezezimali zakho.

Khipha empilweni yakho izinto ezingavuni ubudlelwano obunempilo

Njengokwenza imikhuba emisha, zama ukususa izinto empilweni yakho ezingasekeli ubudlelwano obunempilo ngemali.

Kungaba lula njengokushintsha amakhadi esikweletu, ukukhokha ngokheshi nokumisa ukusetshenziswa kwemali okungenangqondo. Ungaphinda uhlale kude nezinkundla zokuxhumana, ukuze ungalingwa abagqugquzeli abazama ukukunxenxa ukuthi uthenge okuthile.

Ukunciphisa ukubuka ithelevishini kuyindlela enhle yokuguqula ubudlelwano bakho bezezimali. Kuzokusiza futhi ukuthi ugweme izilingo zabathengi.

Ubudlelwano phakathi kwemali nezingcaphuno: nini, kanjani futhi ngani

Uma udinga ukwesekwa okuncane uma kuziwa ekuthuthukiseni ubudlelwano bakho nemali, nazi ezinye izingcaphuno mayelana nobudlelwano bakho nemali ukuze uhlale usendleleni.

Lezi zicaphuno mayelana nobudlelwano nemali zingasetshenziswa nsuku zonke. Ungazifunda ngokuzwakalayo noma uzibhale phansi njalo ukuze uhlale unombono oqondile.

“Imali iyithuluzi nje. Ungayiyisa nomaphi lapho ufuna, kodwa kuzodingeka uhlale ungumshayeli. -Ayn Rand

Lesi sisho semali yobudlelwane sikukhumbuza ukuthi nguwe ophethe imali yakho, ungavumeli izimali zakho zibe phezu kwakho.

"Imali ayikuthengi injabulo, kepha ukuswela imali kuthenga usizi" - UDaniel Kahneman

Lesi sisho sisikhumbuza ukuthi imali ayiwona umthombo wenjabulo, kodwa kubalulekile ukuphila impilo eqhubekayo. Ibhalansi yokuba nemali eyanele ukumboza izidingo zakho zansuku zonke, kodwa ukwazi ukuyisebenzisa ezintweni ozithandayo, yikho okufanele ukuphokophele.

"Ingcebo yikhono lokuzwa impilo ngokugcwele" - Henry David Thoreau

Umcebo awukona nje ukuceba. Imayelana nokusebenzisa izinto ezinhle kakhulu empilweni futhi uziphile ngokugcwele.

Ungaguqula ubudlelwano bakho bezezimali.

Lezi zinyathelo zizokusiza ukuthi wakhe ubudlelwano obunempilo nobusekelayo ngemali yakho. Lolu shintsho alusheshi.

Ungenza ushintsho olukhulu ngokuthatha isinyathelo esilula sokuqonda ubudlelwano bakho nemali nokubeka imigomo yekusasa lakho. Kubalulekile ukunamathela emgomweni wakho, ufune usizo lochwepheshe lapho uludinga, futhi uzinike umusa.

Kuthatha isikhathi ukwakha ubudlelwano obuqinile obuhlala impilo yonke.

Thatha igxathu eliya phambili futhi ufunde kabanzi mayelana nendlela yokucabanga nemali, noma uthathe elinye lamakilasi ethu amahhala ezezimali