Ukonga imali

I-Frugalism iyanda ifashoni

Abantu abaninzi ngakumbi bayazazi iingxaki ezibangelwa kukutya okugqithisileyo esiye safikelela kuzo kumazwe ehlabathi lokuqala. Ayenzi nje kuphela abantu amahlwempu, kodwa ikwabenza bangonwabi kwaye ichithe ubuncwane besijikelezi-langa sethu. Kodwa ngaba ubusazi ukuba kukho intshukumo echasene ngokupheleleyo nokuthengwa kwabathengi? Ewe kunjalo. Kubizwa ngokuba yi-frugalism kwaye siza kuchaza ukuba yintoni kwaye iqulethwe yintoni kweli nqaku.

Mhlawumbi sele ubazi abantu abathile abaphila ngendlela eyongayo, okanye mhlawumbi uyazenzela kodwa ungazi ukuba kubizwa ntoni na. Ukufumana ngakumbi malunga nesi sihloko, ndincoma ukuba uqhubeke ufunda.

Yintoni ukuba yi-frugalist?

I-Frugalism luhlobo lokonga kakhulu

Okokuqala siza kucacisa ukuba yintoni i-frugalism, intsingiselo yayo kwaye ithetha ntoni. Eli gama livela kwisiLatini frugalis kwaye, ngokutsho kwe-RAE, umntu oyongayo "uyayeka ukutya nokusela." Nangona kwesi sichazi-magama sifumana inkcazo ebhekisa kukutya ngaphandle kokugqwesa, ukonga (frugalism) kunenye intsingiselo. Ngokusisiseko le ngcamango yandiswe kwiindawo ezininzi zobomi bemihla ngemihla bomntu ngamnye. Kunokuthiwa kukuchasana nokuthengwa kwabathengi. Phofu ke, eUnited States kwaveliswa ukonga imali ukuze kuliwe ukuthengwa kwezinto ngendlela egqithiseleyo okwakusenzeka kwelo lizwe.

Ukusuka eMelika, le ntshukumo iye yafumana ukuthandwa ngakumbi nangakumbi, ngakumbi phakathi kwabantu abatsha, de yafikelela eYurophu. Okwangoku, ilizwe elihamba phambili ngokwenani labantu abarhwaphiliza imali yiJamani. Ayiyontshukumo yeehippie kwaye ayizami ukukhuthaza izimvo, iphakamisa nje "ukunqongophala kokusetyenziswa" ukufumana ubomi obungcono. Ngokusebenzisa okuncinci, ukonga kunye notyalo-mali kwanda kakhulu.

Kukho ukuqulunqwa kwe-frugalism onjongo yakhe ikukufumana ukuzimela ngokwezimali ngokukhawuleza kangangoko, yabantu abatsha. Yaziwa njengesicwangciso soMlilo, isifinyezo esimele "Ukuzimela Kwezemali, Ukuthatha umhlalaphantsi kwangethuba." Inguqulelo iya kuba "Ukuzimela ngokwasezimalini, umhlala-phantsi ngaphambi kwexesha" okanye "Ukuzimela ngokwasezimalini, umhlala-phantsi ngaphambi kwexesha."

I-Frugalism: Isichasi sokuthengwa kwabathengi

I-Frugalism isichasi sokuthengwa kwabathengi

Namhlanje, imodeli yezoqoqosho esekwe kwihlabathi liphela isekelwe ekusetyenzisweni. Kuthetha ntoni oku? Sonke sihlala siboniswa kwiimpahla kunye neenkonzo ezahlukeneyo ezichithwa yonke imihla sikhuphisana ukuze sithenge ngokulandelayo kunye nabo. Siwuqhelile lo mboniso kangangokuba asisazibuza ukuba sifanele siwuthenge okanye singawuthengi, ukuba asiwuthengi owuphi. Asiyeki ukucinga ukuba oko basinika kona sikufuna ngokwenene na okanye akunjalo.

Yinyaniso ebuhlungu kodwa engenakuphikiswa. Lo mzekelo woqoqosho lwehlabathi ufikelela kwinqanaba eloyikekayo. Ukuqhuba kwethu kukuthenga nokufumana iimveliso ezintsha ngendlela enganelisekiyo, sisoloko sifuna ngakumbi nangakumbi nangakumbi. Kubonakala ngathi abantu balibale ngokupheleleyo ukuba usukelo lwako nakuphi na okulungileyo okanye inkonzo kukwanelisa intswelo, okanye ubuncinane ifanele ibe njalo.

Ukuba loo mpembelelo yokuthenga iphindaphindwa imihla ngemihla kwiminyaka emininzi, iindleko zoqoqosho ziphawuleka kakhulu. Uninzi lomvuzo wabantu lungena kwiimveliso neenkonzo ezingafunekiyo ngokupheleleyo. Esinye isiphumo sokusebenzisa kakhulu abathengi kukumosha okukhathazayo kwemithombo yobutyebi esibonelelwa sesi sijikelezi-langa.

Kuthetha ukuthini ukuphila ngobutyebi?

Iinjongo zokonga imali kukufumana inkululeko yezemali

Oko abantu abaninzi abakuphilayo namhlanje kubizwa ngokuba ugqatso lweempuku, eliguqulelwe lithetha "ugqatso lweempuku." Ichazwa njengolandelelwano olungenammiselo kwinqanaba lexeshana lemihla ngemihla edinayo. Oku kugxilwe ikakhulu kumsebenzi wempangelo, apho injongo ikukukhuphisana nehlabathi liphela kwimeko-bume yedolophu efuthaniselekayo. Lo msebenzi womsebenzi ubonakaliswa ziiyure ezininzi zokusebenza kunye nexesha elincinci lokukhululeka. Kubonakala kuqhelekile, akunjalo?

Kwezi meko, ezizezona zininzi ehlabathini, abantu basebenzela ukufumana imali abaza kuhlangabezana ngayo neemfuno zabo ezibalulekileyo, ubuncinane ngokwengcamango. Kwinqanaba elisebenzayo, izinto ziba nzima, kuba imodeli yabathengi imema ukuba ichithe yonke imivuzo efunyenwe kwi-zero coma. Ngele ndlela, abantu abafunnwe yile modeli yezoqoqosho abakwazi ukusindisa kwaye baphile imihla ngemihla, ngokuxhomekeke ngokupheleleyo kumvuzo wakho nyanga nganye, nto leyo eya kuphelela ekudiniseni.

Ngokuchasene noko abantu abaninzi bakholelwayo, ukunyuselwa kunye nokunyuswa kwemivuzo akusombululi le ngxaki. Uninzi lwabantu abafumana umvuzo ongaphezulu okanye abafumana ukonyuswa kwemivuzo nabo baphetha benyusa inqanaba malunga nosetyenziso, ukuseka umgangatho wokuphila ophezulu kunye / okanye ukuthenga ngokulula izinto ezifunwayo kunye nezinto ezingeyomfuneko. Ngamanye amaxesha abantu bade babhenele kumatyala, ngaloo ndlela bechitha imali engaphezu kwamandla abo. Kodwa yintoni? Siza kubuza imibuzo kwaye sicamngce ngeempendulo ekufuneka sizinike:

  • Ngaba imodeli yefowuni ephathwayo yamva nje abayikhuphileyo ilungile kangangokuba bangayitshintsha le sele ndinayo?
  • Imoto yam ayisasebenzi kakuhle kangangokuba ndingene ematyaleni ndithenge entsha?
  • Andithi impahla endinayo sele ndinayo apha ekhabhathini ayindonelanga?

Isitshixo kwi-frugalism: "Deconsume"

Ukuze ube ngabaxhasi bemali, kungcono ukulandela isitshixo kwi-frugalism ethi "deconsummate." Abantu abalandela le ntshukumo bayakuphepha ukusetyenziswa kweemveliso kunye neenkonzo ezingafanelekanga. Njengoko beqhele ukuqala ukusuka kubantu abancinci ukulandela olu sukelo, banokufezekisa ukonga okubalulekileyo ngelixa behlala nabazali babo, ngaloo ndlela behlisa kakhulu iindleko ezinxulumene nokuzimela.

Ke ngoko, ukuba sifuna ukufikelela kwinqanaba lokonga kwabo, kufuneka sitshintshe ngokupheleleyo ingqondo yethu kunye sizibandeze izinto ezininzi eziyinxalenye yobomi bethu bemihla ngemihla. Masibeke imizekelo:

  • Ukuphuma kwisidlo sasemini, isidlo sakusihlwa, ikofu okanye iziselo ezimbalwa ngaphandle yonke imihla.
  • Yiba nezilwanyana zasekhaya.
  • Ukutshaya, ukuba siba ngqongqo kakhulu.
  • Yiba nemoto okanye isithuthuthu, ngaphandle kokuba kuyimfuneko ngenxa yomsebenzi. Kwaye, kuloo meko, kuya kufuneka ukuba ibe sesinye isandla, kunjalo.
  • Imirhumo kwiimagazini, ingqokelela, ukuthenga kwi-intanethi okanye amaqonga okusasaza, njl.

Khumbula ukuba asikokungahlali okanye ukuzahlula ekuhlaleni. Kulungile ukuphuma uye kwisidlo sangokuhlwa nabahlobo ngaxesha lithile okanye ube nolunye uhlobo lwamava, Ewe, ukugcina impilo yengqondo nako kubalulekile. Kodwa ungaze ugqithise kwaye uzame ukuchitha kancinci kangangoko.

Akunyanzelekanga ukuba abantu abangcakazayo babe zizityebi okanye babe lishwa

Abantu abalandela ukonga akunyanzelekanga ukuba babe bukhali. Injongo yakho kukuchitha kuphela oko kufanelekileyo kwaye kuyimfuneko ukuze ukwazi ukwandisa ukonga kwakho ukuze ukwazi ukuphila ngaphandle kokuxhomekeka emvuzweni kwaye, ke, akunyanzelekanga ukuba usebenze. Enyanisweni, abo barhwaphiliziyo abazitshixeli ekhaya bengenzanga nto okanye bathenge into ethile. Into abayenzayo kukulinganisela iimveliso kunye neenkonzo ezingeyomfuneko ukuze baphile kwaye bayazonwabela njengenxalenye yolonwabo lwabo.

Kufuneka kwakhona kuqatshelwe ukuba abo bangonga imali abasele beyifumene indlela yokuphila ngaphandle koxanduva lomsebenzi akufuneki babe zizityebi. Inkunzi enokuthi aba bantu bafikelele kuyo ayinanto yakwenza nethamsanqa okanye ilifa, sisiqhamo somzamo wabo omkhulu wokuhlala beyonga kunye nokusebenza kwabo nzima. Into abazama ukuyonga imali kukungayinciphisi loo mali njengoko ixesha lihamba, ukuba akunjalo. Badla ngokuyityala ukuze bahlale befumana imali eyaneleyo ukuze bakwazi ukuphila nyanga nganye. Koko kukuthi: Injongo yakho kukufumana umvuzo owaneleyo wenyanga nganye ukuze ukwazi ukuphila, into eyaziwa ngokuba inkululeko yemali.

Ngoku umbuzo omkhulu: Bayifumana njani? Siza kunika umzekelo wamanyathelo athile anokuthi alandelwe ngumongi. Imalunga ne iqhinga elilula kakhulu:

  1. Kwinqanaba lobomi, elinokuba yiminyaka elishumi ukuya kwelishumi elinesihlanu, sebenza nzima kangangoko kunokwenzeka.
  2. Chitha kuphela imali oyifunayo. Ngaloo ndlela, amazinga okulondoloza ayanda, kwaye anokufikelela kuma-60-80%.
  3. Njengoko ugcina, tyala imali leyo. Ngomdla odibeneyo, inqununu iya kwandiswa nangakumbi.
  4. Fikelela kwinani elibaliweyo ukuze ufumane inkululeko yezemali. Eli nani liyinkunzi etyaliweyo enengeniso evumela umntu ekuthethwa ngaye ukuba aphile ubomi abufunayo ngaphandle kokusebenza. Kwimeko yabo barhwaphiliziyo, banelisekile kukukwazi ukuhlawula iindleko ezisisiseko.
  5. Qhubeka nobomi ngaphandle kokunyanzeleka ukuba usebenze, ekubeni ungasaxhomekeke kuwo nawuphi na umvuzo.
  6. Ukuhlala nomvuzo wokungenzi nto, kodwa ukuthintela ukuba inkunzi iyancipha kakhulu. Ukuphumeza oku, inzala efunyenwe kutyalo-mali kufuneka ihlawule oko kuchithwa nyanga zonke.

Nangona yonke into ivakala imnandi kwaye ilula, kwihlabathi labathengi esiphila kulo, kunzima kakhulu ukukhupha imfuno yokufumana ii-whims esingazidingi kwaphela. Ukulandela le ndlela kufuna amandla amaninzi kunye nokunyamezela. Ukuba asikwazi ukonga, akukho nto yenzekayo. Sisenako ukuzuza inkululeko yezemali ngokulandela isicwangciso sokulondoloza nokwenza utyalo-mali olukrelekrele lwexesha elide. Kakade ke, siya kuthabatha iminyaka embalwa engakumbi.


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