Ubudlelwane babantu nehlabathi bohlukile kwimeko nganye. Ngokubanzi, nangona kunjalo, kukho iipateni ezithile, ubudlelwane, umkhethe, kunye nokuziphatha okufanayo. Obo budlelwane phakathi kwendalo yomntu notyalo-mali busondele kakhulu. Imali ayinakuba neemvakalelo ngabantu, kodwa abantu baneemvakalelo malunga nemali. Ulwalamano olungenangqondo ngokupheleleyo, kodwa olo lwenzeka ngokufanelekileyo. Yiyo loo nto ukubaluleka kokuqonda isayikholojisti xa utyala imali.
Senza ngokungazi ixesha elininzi, malunga ne-95% yayo. Ukurhoxa kuwe kunye nokubona imisitho ngombono ofanelekileyo kubalulekile xa usenza izigqibo. Kwaye xa kufikwa kubungakanani bemali onokuba nayo kwipotifoliyo yakho, into yokugqibela ekufuneka uyenzile kukuthatha izigqibo ezingezizo ezengqiqo. Nangona kunjalo, singabantu, kwaye asinakho ukuba nengqiqo nge-100% yexesha. Ngenxa yeso sizathu, ndiza kuthetha malunga ezithile iipateni ezikhula ngendlela ngokubanzi. Yintoni eya kukukhokelela ekufumaneni xa izinto zinempembelelo kwizigqibo zakho, ezingafanelekanga ukuba zibekhona.
Umba wokuqinisekisa kutyalo-mali
Isiqinisekiso sokukhetha icala yi utyekelo lwabantu lokubeka phambili olo lwazi luthandayo okanye luqinisekisa iingcinga zabo kunye nokucinga ngento ethile. Imizekelo:
- Umntu ukholelwa ukuba uMhlaba uthe tyaba. Khangela ulwazi oluxhasa indlela yabo yokucinga. Fumana ulwazi, kwaye ucinge "AHA! Ndiyazile! Umhlaba uthe tyaba! ».
- Umntu ukholelwa ukuba kukho iyelenqe malunga nento ethile. Ukhangela ulwazi oluqinisekisa iingcamango zakhe kwaye uyayifumana. Cinga kwakhona ... Ndilumke kangakanani! Wayenyanisile!.
Zimbini iintlobo zokuqiqa, ezokutsala kunye nezokunyanzela. Ukutsala kugxile kwizakhiwo ukufikelela kwisiphelo, kunye nokunyanzeliswa kokufuna indawo eqinisekisa isiphelo. Ukunyaniseka kokuqinisekisa ngoko, yimpazamo yenkqubo malunga nokuqiqa okungafanelekanga. Umkhwa oqhelekileyo othi ekugqibeleni, ukuya kumgangatho omncinci okanye omkhulu, sonke sibonisa.
Es inobungozi kakhulu kwaye iyonakalisa, Kungenxa yoko le nto ndibeke kwindawo yokuqala. Ichaphazela ngokuthe ngqo ngaphezu kokuba sinokucinga ngobomi bethu, kwaye kunjalo nakwezemali. Kuyinyani eqinisekisiweyo yokuba abatyali mali abaninzi bakholwa ukuba utyalomali abalukhethileyo lunokuba lolungileyo, kodwa bazive bengakhuselekanga (uloyiko). Ukusuka apho, ukukhangela ulwazi oluxhasa iingcinga zakho yimpazamo. Umtyalomali ozibambela kolu hlobo lokuziphatha kufuneka ayeke kwaye angatyala. Ngaphandle kokuba izigqibo zakho zomelele ngokwaneleyo ukuba ungaxhomekeki kuluvo okanye kuvavanyo lwabanye.
Ukusilela ukwenza ngokufanelekileyo kunakho yenza izigqibo ngokungxama nokuzithemba okungaphaya kunye nokuhlawula ngaphezulu into engafanelekanga. Uya kuqaphela le ndlela yokuziphatha kumaqamza ezoqoqosho.
Ungazikhusela njani ngokuchasene nokukhetha isiqinisekiso?
Kwimeko apho umtyali mali aqala ukuphuhlisa le meko, kukho iindlela zokuyinqanda. Enye yazo imalunga cinga isikhundla somntu ongazukutyala imali kwinkampani ekhethiweyo. Ukusuka apho, nikeza iingxoxo eziphikayo ukuba lutyalo-mali olulungileyo. Yiba nohlobo "lwengxoxo."
Enye indlela yile cinga ukuba yonke okanye inxenye enkulu yotyalo-mali ilahlekile, uze uzibuze ukuba kutheni oko kusenokwenzeka.
Abatyalomali abasekela izigqibo zabo ngaphandle kokubavumela ukuba bawele kwi-bias yokuqinisekisa bavuna imbuyekezo ephezulu.
Khangela iipateni (pareidolia kwezemali)
Okwesibini, kwaye iyatshabalalisa kakhulu. Enye yeendlela ingqondo yakho enokukukhohlisa ngayo kukumiselwa kwayo. Sihlelwe ukuba sijonge ii-analogies, ukufana kunye neepateni Yonke indawo. Ifana nesoftware eza kufakwa kuwe, awuyi kuyilahla. Ukungabinalo uluvo ngale nto kuyakukhokelela ekubeni ukholelwe "kubuxoki" obunokubakho obenziwe yingqondo yakho, kodwa eneneni ziyinkohliso.
- Le asiyongxaki yobukrelekrele. Ngapha koko, sisiseko sendlela esiliqonda ngayo ihlabathi, senza intsingiselo yamagama, siqonde imeko-bume, kwaye silindele ukuba into inokwenzeka.
- Iinkolelo. Kungenxa yokuba into eyenzekileyo amatyeli amaninzi ayithethi ukuba izakuphinda yenzeke. Logama izizathu zizinzile.
Ukuba ungumntu osengqiqweni, onezibalo kwaye ke ngoko uyahlalutya, ndiqinisekile ukuba uza kubona ngokungathandabuzekiyo iipateni kwizicatshulwa ezininzi. Obu buchule abukholeleki, benziwa rhoqo kwaye ngokunyanzelwa. Kodwa njengokuba kukho amafu akhangeleka eqolo kwaye engabizi, Kuya kufuneka ufunde ukuba izinto zenzeka ngaphandle konxibelelwano.
Tsala isiphumo, utyalo-mali lwengqondo
Yaziwa ngokuba sisiphumo seBatwagon, ukutsiba kwi-bandwagon. Kuveliswa ngamathuba okubona indlela abanye abantu abakholelwa ngayo kwinto ethile kwaye bafuna ukuxelisa. Rhoqo kuba izinto zihamba kakuhle (okanye kubonakala ngathi). Kwaye into edla ngokubangela ukuba ibango lemveliso okanye isenzo sonyuke, umzekelo. Njengokuba imfuno inyuka, ixabiso lihlala linyuka, kwaye ukuba abantu abaninzi benza inzuzo, abanye baqala ukuba nomdla ukuze bangalahli ithuba, bekhulisa ibango nangakumbi kwaye ke ixabiso.
Yeyona nto iphambili kwiziphumo zokucamagusha iibhabhu kwezezimali. Kuthambekele ekubambeni abantu abaninzi, nokuba abanye banezakhono ezilungileyo kunye nokusebenza kwengqondo xa betyala imali. Kwaye eyona ndlela yokuzikhusela kukujonga wonke umntu esenza kwa into enye, yeka ukucinga, kwaye uzibuze "Ndiphazama ntoni?" Ukuthintela ukungena kwezi zomoya zovuyo oluhlangeneyo kuya kuhlala kukukhusela kwilahleko enkulu enokubakho.
Tsala umzekelo wesenzo
Okwangoku sinokufumana izabelo zeenkampani ezidweliswe kwimarike yemasheya, amanani abo asinika ukuphindaphinda okuphezulu kakhulu kwenzuzo yabo. Ewe, ubukhulu becala zezi nkampani zefilosofi yotyalo-mali "ukukhula". Nangona kunjalo, ayizizo zonke eziya kuhlala zihlangabezana nolindelo lwakho, kwaye ngamanye amaxesha kukho amanqaku anokuphakama kakhulu. Kakhulu kangangokuba ephepheni ngamanye amaxesha kuyabonakala. Makhe sicinge ngomzekelo onokuba yimeko yokwenyani.
Khawufane ucinge xa udibana nommelwane wakho. Ucacisile ukuba unenkampani enexabiso elixabisa i $ 50.700, kwaye unetyala le-105.300 leedola kwaye ucinga ukuyithengisa. Yiyo i ukuba ungathengisa zonke iimali zakho ngaphezulu okanye ngaphantsi ungabhatala isiqingatha semali osityala. Umbuza ... "Hee, kwaye urhola malini kunyaka ophelileyo?" Kwaye uyaphendula ukuba uphumelele i-12.000 yeedola. Njengoko ungumntu okrelekrele kakhulu, uya ujonge kwiziphumo zeminyaka edlulileyo. Kwaye uyabona ukuba ityala lakho lonyuka ngokukhawuleza kunokuba ufumana.
Unikwe imeko yangoku, uyambuza ukuba uyithengisa kangakanani, ayiphendule ke $ 1.640.000 yinkampani enika i-12.000 yeedola ngonyaka ngetyala elingayeki ukukhula. Ubuya kuphendula uthini? "Ewe, i-1.640.000 yeedola ibonakala njengexabiso elifanelekileyo kum!" okanye kunokuba uhlale ucinga ... "Oku akunakwenzeka".
Ngamanye amaxesha sinokuwela kumzamo kwaye sibone iiasethi ezingayeki ukunyuka kwixabiso ukuze zixhamle kuloo mpumelelo. Ingxaki iya kuba kukulibala ukuba ekugqibeleni izabelo zimele iinkampani zokwenyani kwaye olu xabiso alunakuba sengqiqweni kakhulu. Ayisoloko iyinto yonke enexabiso elifanelekileyo, kuba imodeli okanye ulindelo lokukhula lunokunceda ukwenza ixabiso lingaphezulu okanye ngaphantsi. Ukugcina isayikholoji epholileyo xa utyalo-mali kusinceda ukuba sihlale kude namaqamza.
Amatyala kunye nokulindelweyo
Ngaba ukhona umntu omaziyo oqokelela amatyala amaninzi nangakumbi? Ukuba ingena kuloo loop ingaphumi kuyo. Ngaba uyazi ukuba unemali oyigcinileyo kwaye ufuna ukuyityalela, ulindele ukuzuza ntoni? Ewe, eli tyala lilula ukuqondwa, kodwa ngasizathu sithile, Ndikubonile oku kuziphatha ngendlela ebanzi.
Kukho abantu nokuba ngaba banemali mboleko yenkampani, izinto ezibambekayo, okanye naliphi na ityala elinamakhadi, njl., Bahlawula inzala ye-odolo ye-6-7% okanye nangaphezulu. Iipesenti ezimangalisayo ngokwenene. Ingxaki kukuba xa ugcina into, yeyiphi into eyenzelwe ukuba unike loo mali. Indida kuxa umntu ethatha isigqibo sokuba eyona nto iphumeleleyo kukutyala imali kwimarike yemasheya okanye ukuthenga iimveliso ezinomdla kwi-2% (umzekelo). Ukuba unesayikholoji efanelekileyo xa utyala imali, kwaye asiweli ekukhohlisweni kwemali, siya kubona ukuba esi sigqibo asilunganga.
Imizekelo yokusetyenziswa gwenxa kwemali
Makhe sijonge izinto ngendlela efanelekileyo:
- Ityala le-7% okanye nangaphezulu lenziwe. Kwaye unemali yokuhlawula amatyala ("intsalela") ofuna ukufumana kuyo iipesenti ezi-2. Cinga ukuqhubekeka, ukuba ukonga kwakho kulingana netyala lakho ...
Ukuba ndithe «ndinekhontrakthi ye- € 20.000 nge-7%, kwaye ngezo € 20.000 ndiza kuthenga imveliso endiqinisekisayo nge-2% ngonyaka»… Nabani na osengqondweni elungileyo angacinga ukuba ndiyaxoka okanye ukuba andazi ukuba ndithetha ntoni.
Ewe, ndithi oku kugxile kwabo bantu, kuba banamatyala amakhulu, bakholelwa ukuba eyona nto ikrelekrele ayikuko ukulahla kwaye bathenge ezinye iimveliso. Kungenzeka ukuba umntu, njengefilosofi yobomi, akanamdla wokunciphisa ityala labo kunye nokuphila imihla ngemihla. Uhlonipheke ngokugqibeleleyo. Kodwa ukugcina, ukugcina ityala, kunye nokufumana imbuyekezo esezantsi kunenzala ehlawulwayo ... Hayi, ayinaso isiseko esisengqiqweni.
Ndiyathemba ukuba ezi zifundo zikukhonze, kwaye izigqibo zakho zezemali kunye nobomi ziya kuchaneka ngakumbi ukusukela ngoku. Ukwazi imigibe yethu yengqondo kunye nokusebenza kwengqondo yakho xa utyala imali, kuya kuphelela kukunceda wenze izigqibo ezingcono, kwaye ungenzi iimpazamo ezininzi.