Ungayithenga Injabulo?

-Delile

• Yikuphi ukuxhumana phakathi kwemali nenjabulo?
• Imali ingakhuphula injabulo nempilo kubantu abahlupheka
• Ngabe indlela oyisebenzisa ngayo imali ibalulekile?
• Ingabe ikhona inombolo yomlingo?
• Ezinye izindlela zokwandisa injabulo
• Ukudla okudlela endlini

Ingabe imali iyithenga injabulo? Mhlawumbe, kepha akuwona umbuzo olula ukuphendula. Kunezifundo eziningi ngesihloko nezici eziningi ezisebenzayo, njenge:

• izindinganiso zamasiko
• uhlala kuphi
• okubalulekile kuwe
• uyisebenzisa kanjani imali yakho

Abanye baze baphikise ngokuthi inani lemali libalulekile, nokuthi ungahle ungazizwa ujabulile ngemuva kokuqongelela umcebo othile.

Qhubeka ufunde ukuze ufunde ukuthi ucwaningo luthini mayelana nokuxhumana phakathi kwemali nenjabulo.

Yikuphi ukuxhumana phakathi kwemali nenjabulo?

Izinto ezikulethela injabulo kungashiwo ukuthi zinenani elingaphakathi. Lokhu kusho ukuthi zibalulekile kuwe kepha azimele inani elijwayelekile lenjabulo kwabanye.

Ngakolunye uhlangothi, imali inenani elingaphandle. Lokhu kusho ukuthi abanye babona ukuthi imali inenani lomhlaba wangempela, futhi, futhi (ngokujwayelekile) bazoyamukela.

Isibonelo, ungathola injabulo ephunga le-lavender, kepha omunye umuntu angayithola ingathandeki kangako. Ngamunye wenu unikeza inani elihlukile elingaphakathi kwephunga le-lavender.

Awukwazi ukuthenga ngokoqobo injabulo esitolo. Kepha lapho imali isetshenziswa ngezindlela ezithile, njengokuthenga izinto ezikulethela injabulo, ungayisebenzisa ukwengeza ukubaluleka kwempilo yakho.

Ngakho-ke, uma iphunga le-lavender likulethela injabulo, ungasebenzisa imali ukuyithenga ngezindlela ezahlukahlukene futhi uyigcine izungeze ikhaya lakho noma ihhovisi. Lokho, nakho, kungandisa injabulo yakho. Kulesi sibonelo, usebenzisa imali ukukulethela injabulo ngokungaqondile.

Lokhu kungasebenza ezimeni eziningi. Kepha, ngenkathi izinto ozithengayo zingaletha injabulo yesikhashana, kungenzeka zingangiholeli enjabulweni yesikhathi eside noma ehlala njalo.

Nazi ezinye izimpikiswano ezengeziwe futhi eziphikisana nokuthenga imali.

Imali ingakhuphula injabulo nempilo kubantu abahlupheka

Kubhekwe ukuthi kuzokwenzekani ngokuhamba kwesikhathi uma abesifazane abasemakhaya akhungethwe ubuphofu eZambia benikezwa imali njalo kungenazintambo.

Okutholakele okuphawuleka kakhulu ukuthi, esikhathini esiyizinyanga ezingama-48, abesifazane abaningi babenomuzwa ophakeme kakhulu wenhlalakahle engokomzwelo nokwaneliseka ngempilo yabo, kubo kanye nasezinganeni zabo.

Ucwaningo lwango-2010 olususelwa kwinhlolovo kaGallup yabaphenduli abangaphezu kuka-450,000 lubonisa ukuthi ukwenza imali efinyelela ku- $ 75,000 ngonyaka kungakwenza uzizwe weneliseka ngempilo yakho. Lolu cwaningo lubheke kuphela abantu baseMelika.

Omunye umuntu okwaxoxwa naye evela emhlabeni wonke kwaholela ekutholeni okufanayo. Ngokwemiphumela yocwaningo, inhlalakahle engokomzwelo ingafinyelelwa lapho umuntu ehola phakathi kuka- $ 60,000 kuya ku- $ 75,000. Ukusatshalaliswa kungenzeka lapho umuntu ehola cishe u- $ 95,000.

Amasiko angawuthinta lo mkhawulo. Ngokuya ngesiko lakho, ungathola injabulo ezintweni ezihlukile kunomuntu onamagugu amasiko ahlukile.

Lezi zifundo nocwaningo ziphakamisa ukuthi imali ingasiza ukuthenga injabulo lapho isetshenziselwa ukuhlangabezana nezidingo eziyisisekelo.

Ukuthola ukunakekelwa kwezempilo, ukudla okunomsoco, kanye nekhaya lapho uzizwa uphephile kungathuthukisa impilo yengqondo nengokwenyama futhi, kwezinye izimo, kungaholela enjabulweni eyengeziwe.

Lapho nje izidingo eziyisisekelo sezanelisiwe, nokho, injabulo umuntu angayithola ngemali.

Ngabe indlela oyisebenzisa ngayo imali ibalulekile?

Yebo! Le yinhliziyo yenkulumompikiswano.

Ukuthenga "okuhlangenwe nakho" nokusiza abanye kungaholela enjabulweni. Futhi kukhona ucwaningo oluthile lwangempela ngemuva kwalokhu.

Imiphumela evela ocwaningweni locwaningo ngalesi sihloko iphakamisa ukuthi ukuchitha imali kokuhlangenwe nakho kunezimpahla ezibonakalayo nokunikeza abanye ungacabangi ngomvuzo kubangela imizwa enkulu yenjabulo.

Lokhu kungathatha isimo sokuya ekhonsathini esikhundleni sokuthenga i-TV entsha, noma ukuthenga umuntu omthandayo isipho esicatshangelwe kahle kunokuzitika ngokuthenga okuthatheka.

Futhi nansi enye into ongacabanga ngayo: Ucwaningo olunzulu lwango-2015 lwemibhalo mayelana nemizwa nokuthathwa kwezinqumo kutholakale ukuthi ukwahlulela kwakho okuzithobayo kokubaluleka kokuthile kuhlobene kakhulu nokuthi uzizwa kanjani ngomphumela. Ababhali babize lokhu ngokuthi uhlaka lokuthambekela kokuhlola (i-ATF).

Isibonelo, uma wesaba ukuthi indlu yakho izogqekezwa, ukuthenga uhlelo olusezingeni eliphezulu lokuphepha ekhaya kunganciphisa izinga lakho lokwesaba, okungathuthukisa injabulo yakho noma inhlalakahle yakho engokomzwelo.

Kulokhu, injabulo yakho ixhunyaniswe nesipiliyoni sakho sokwesaba.

Ingabe ikhona inombolo yomlingo?

Yebo no cha. Kukholwe noma ungakukholwa, kwenziwe ucwaningo oluthile ngalokhu.

Ucwaningo lwango-2010 olwenziwe ngusomnotho nodokotela wengqondo owaziwayo uDaniel Kahneman lwathola ukuthi, lapho kuthinta khona ingcebo, ukwaneliseka komuntu ngempilo yakhe akusakhuphuki ngemuva kwe- $ 75,000 ngonyaka.

Kuleli qophelo, iningi labantu selikwazi kangcono ukusingatha izingcindezi ezinkulu zokuphila njengempilo ebuthakathaka, ubudlelwano, noma isizungu kunokuthi ngabe zenza kancane noma zingaphansi komugqa wobuphofu.

Ngaphandle kwalokho, imikhuba yansuku zonke nendlela yokuphila yizona ezibangela injabulo enkulu.

Imiphumela evela ocwaningweni lwakamuva olubheke injabulo kubantu baseYurophu ikhomba enanini eliphansi kakhulu ledola elilinganiswa nenjabulo: ama-euro angama-27,913 ngonyaka.

Lokho kulingana (ngesikhathi sokucwaninga) cishe ku- $ 35,000 ngonyaka. Yilokho uhhafu wesibalo saseMelika.

Lokhu kungahle kuhlobene nezindleko zokuphila e-United States uma kuqhathaniswa ne-Europe. Ukunakekelwa kwezempilo nemfundo ephakeme zivame ukubiza kakhulu eYurophu kunase-United States.

Abaphenyi baphinde basho nezinye izinto eziningana zamasiko ezingaba nomthelela ekuhlanganiseni okuphansi kwemali enjabulweni kula mazwe.

Ezinye izindlela zokwandisa injabulo

Imali kungenzeka ingayithengi injabulo, kodwa kunezinto ezithile ongazenza ukuzama ukwandisa injabulo. Cabanga ngalokhu okulandelayo:

• Bhala phansi lokho okubongelayo. Ngokwezwi nezwi "" kungakusiza uzizwe unethemba. Esikhundleni sokucabanga ngalokho ongenakho, cabanga ngezinto onazo.
• Zindla. Sula ingqondo yakho bese ugxila kokungaphakathi kwakho kunokuba nezinto zakho. Gxila ekutheni ungubani uma uqhathanisa nalokho okungokwakho.
• Ukuzivocavoca umzimba. Ukuzivocavoca umzimba kungasiza ekwandiseni ama-endorphin, angaholela enjabulweni yesikhashana. Ukuvivinya umzimba kungakusiza futhi ukuthi uzethembe noma ukhululeke esikhunjeni sakho.

Ukudla okudlela endlini

Imali ayinakwenzeka ukuthi ithenge injabulo, kepha ingakusiza ukuthi uzuze injabulo ngezinga elithile. Bheka okuthengiwe okuzokusiza uzizwe ugculisekile.

Futhi ngaphezu kwalokho, ungathola injabulo ngezinye izindlela ezingezona ezezimali, njengokuchitha isikhathi nabantu obathandayo noma ucabanga ngezinto ezinhle empilweni yakho.