I-Frugalism

I-Frugalism iya ngokuya iba yimfashini

Bayanda abantu abazaziyo izinkinga ezilethwa ukusetshenziswa ngokweqile kokuthengwa kwempahla esifinyelele emazweni omhlaba wokuqala. Akugcini nje ngokwenza abantu babe mpofu, kubenza bangajabuli futhi kumoshe izinsiza zeplanethi yethu. Kodwa bewazi ukuthi kukhona inhlangano ephikisana ngokuphelele nokusetshenziswa kwabathengi? Yebo kunjalo. Kubizwa nge-frugalism futhi sizochaza ukuthi kuyini nokuthi kuqukethe ini kulesi sihloko.

Mhlawumbe usubazi abanye abantu abaphila ngendlela eyongayo, noma mhlawumbe uyazenzela kodwa ungazi ukuthi kubizwa ngani lokho. Ukuze uthole okwengeziwe ngalesi sihloko, ngincoma ukuthi uqhubeke ufunda.

Kuyini ukuba yi-frugalist?

I-Frugalism iwuhlobo lokonga ngokweqile

Okokuqala sizochaza ukuthi yini i-frugalism, ichaza ukuthini nokuthi isho ukuthini. Leli gama livela kwisiLatini i-frugalis futhi, ngokwe-RAE, umuntu owongayo "uyagodla ukudla nokuphuza." Nakuba kulesi sichazamazwi sithola incazelo esho ukudla ngaphandle kokweqisa, ukukhwabanisa nakho kunenye incazelo. Ngokuyisisekelo lo mqondo unwetshwa ezindaweni eziningi zokuphila kwansuku zonke komuntu ngamunye. Kungashiwo ukuthi kuphambene nokuthengwa kwabathengi. Eqinisweni, ukonga kwenziwa e-United States ukuze kuliwe nokuthengwa ngokweqile okwakwenzeka kulelo zwe.

Kusukela emazweni aseMelika, le nhlangano iye yanda, ikakhulukazi entsheni, yaze yafinyelela eYurophu. Njengamanje, izwe elihamba phambili ngesibalo sabahlukumezi yiGermany. Akuyona inhlangano yamahippie futhi ayizami ukukhuthaza imibono, kumane kuphakamisa "ukuntuleka kokusetshenziswa" ukuze kuzuzwe impilo engcono. Ngokusebenzisa okuphansi, ukonga kanye nokutshalwa kwezimali kukhuphuka kakhulu.

Kukhona ukwakheka kwe-frugalism inhloso yawo iwukuthola ukuzimela ngokwezimali ngokushesha ngangokunokwenzeka, wabantu abasha. Laziwa ngokuthi isu le-FIRE, isifinyezo esimele "Ukuzimela Kwezezimali, Retire Early." Ukuhumusha kuzoba "Ukuzimela ngokwezezimali, ukuthatha umhlalaphansi ngaphambi kwesikhathi" noma "Ukuzimela ngokwezimali, ukuthatha umhlalaphansi ngaphambi kwesikhathi."

I-Frugalism: Okuphambene nokuthengwa kwabathengi

I-Frugalism iphambene nokuthanda ukuthenga

Namuhla, imodeli yezomnotho esungulwe emhlabeni wonke isekelwe ekusetshenzisweni. Kusho ukuthini lokhu? Sonke sihlala sichayeka ezimpahleni nakumasevisi ahlukene asetshenziswa nsuku zonke siqhudelana ukuze sithenge ngokulandelayo ngazo. Sesiwujwayele lo mbukiso kangangokuthi asisazibuza ukuthi kufanele siwuthenge noma cha, uma kungewona okufanele siwuthenge. Asiyeki ukucabanga ukuthi lokho abasinika kona siyakudinga ngempela noma cha.

Kuyiqiniso elidabukisayo kodwa elingephikwe. Le ndlela yomnotho womhlaba wonke ifinyelela ezingeni elimangalisayo. Umgomo wethu uwukuthenga nokuthola imikhiqizo emisha ngendlela engagculisi, sihlale sifuna okwengeziwe nangaphezulu. Kubonakala sengathi abantu sebekhohliwe ngokuphelele ukuthi umgomo wanoma yikuphi okuhle noma inkonzo uwukwanelisa isidingo, noma okungenani kufanele kube njalo.

Uma lowo mfutho wokuthenga uphindaphindwa usuku nosuku phakathi neminyaka eminingi, izindleko zezomnotho zibonakala kakhulu. Iholo elikhulu labantu lingena emikhiqizweni nasezinkonzweni ezingadingekile. Omunye umphumela wokuthenga izinto ngokwedlulele ukumosha okukhathazayo kwezinsiza esinikezwa yile planethi.

Kuyini ukuphila ngokonga?

Umgomo we-frugalism uwukuthola inkululeko yezezimali

Lokho abantu abaningi abaphila namuhla kubizwa ngokuthi umjaho wamagundane, okusho ukuthi "umjaho wamagundane." Kuchazwa njengokuqapha okungapheli ezingeni lesikhashana lendlela yansuku zonke enzima. Lokhu kugxile kakhulu emsebenzini owenziwayo, lapho inhloso kuwukuncintisana nomhlaba wonke endaweni yasemadolobheni encisha umoya. Lo msebenzi ubonakala ngamahora okusebenza amade kakhulu kanye nesikhathi esincane samahhala. Kubukeka kujwayelekile, akunjalo?

Kulezi zimo, okuyiziningi emhlabeni, abantu basebenzela ukuthola imali abahlangabezana ngayo nezidingo zabo ezibalulekile, okungenani ngokombono. Ngokwezinga elingokoqobo, izinto ziba nzima, njengoba imodeli yomthengi imema ukusebenzisa wonke umholo otholwe ku-zero coma. Ngale ndlela, abantu abathathelwe yile modeli yezomnotho abakwazi ukonga nokuphila usuku nosuku, ngokuphelele kuye ngemali oyiholayo inyanga ngayinye, okuzogcina kukukhathaza.

Ngokuphambene nalokho abantu abaningi abakukholelwayo, ukukhushulwa esikhundleni kanye nokukhushulwa kwamaholo akuxazululi le nkinga. Iningi labantu abahola kakhulu noma abanyuselwa amaholo nabo bagcina bekhuphule izinga ngokusetshenziswa kwemali, ukusungula izinga eliphezulu lokuphila kanye / noma ukumane uthenge izifiso ezengeziwe nezinto ezingenasidingo. Ngezinye izikhathi abantu baze baphendukele esikweletini, ngaleyo ndlela basebenzise imali engaphezu kwamandla abo. Kodwa ngani? Sizobuza imibuzo ethile futhi sicabange ngezimpendulo okufanele sizinikeze:

  • Ingabe imodeli yakamuva yomakhalekhukhwini abayikhiphile inhle ngempela ukuthi ingashintsha le engivele nginayo?
  • Imoto yami ayisasebenzi kahle ngize ngingene ezikweletini ngithenge entsha?
  • Ingabe izingubo engivele nginazo ekhabetheni azingeneli?

Isihluthulelo se-frugalism: "Deconsume"

Ukuze ube ama-frugalists, kungcono ukulandela ukhiye we-frugalism okungukuthi "ukuqeda amandla." Abantu abalandela lo mnyakazo bagwema ukusetshenziswa kwemikhiqizo nezinsizakalo ezingafanelekile. Njengoba ngokuvamile beqala besebancane ukuphishekela lo mgomo, bangakwazi ukuzuza ukonga okukhulu kuyilapho besahlala nabazali babo, ngaleyo ndlela behlise kakhulu izindleko zokuzimela.

Ngakho-ke, uma sifuna ukufinyelela izinga labo lokonga, kufanele siguqule ngokuphelele isimo sethu sengqondo futhi sizincishe izinto eziningi eziyingxenye yokuphila kwethu kwansuku zonke. Ake sibeke izibonelo ezithile:

  • Ukuphuma uyodla isidlo sasemini, isidlo sakusihlwa, ikhofi noma iziphuzo ngaphandle nsuku zonke.
  • Yiba nezilwane ezifuywayo.
  • Ukubhema, uma siqinisa kakhulu.
  • Yiba nemoto noma isithuthuthu, ngaphandle uma kubalulekile ngenxa yomsebenzi. Futhi, kuleso simo, kuzofanele kube yisekeni, kunjalo.
  • Okubhaliselwe kumamagazini, amaqoqo, ukuthenga ku-inthanethi noma izinkundla zokusakaza, njll.

Khumbula ukuthi akukhona ukungazihlali noma ukuzihlukanisa nabanye emphakathini. Kulungile ukuphuma uyodla nabangani ngesinye isikhathi noma ube nolunye uhlobo lolwazi, Nokho, ukulondoloza impilo yengqondo nakho kubalulekile. Kodwa ungalokothi udlule futhi uzame ukusebenzisa imali encane ngangokunokwenzeka.

Akudingeki ukuthi abantu abadla imali bacebe noma bancisheke

Abantu abalandela ukonga akusho ukuthi bancishana. Umgomo wakho uwukusebenzisa kuphela lokho okulungile nokudingekayo ukuze ukwazi ukwandisa ukonga kwakho ukuze ukwazi ukuphila ngaphandle kokuncika emholweni futhi, ngenxa yalokho, kungadingeki ngisebenze. Eqinisweni, abongi abazivaleli ekhaya ngaphandle kokwenza noma yimuphi umsebenzi noma ukuthenga okuthandayo. Abakwenzayo ukulinganisa imikhiqizo namasevisi angadingekile ukuze baphile futhi bayawajabulela njengengxenye yokuzilibazisa kwabo.

Kufanele futhi kuqashelwe ukuthi abongi asebezuze indlela yokuphila engenazibopho zomsebenzi akudingeki babe abacebile. Inhloko-dolobha engafinyelelwa yilaba bantu ayihlanganise lutho nenhlanhla noma ifa, isithelo somzamo wabo omkhulu wokuhlala bonga nokusebenza kwabo kanzima. Abazama ukonga imali ukuthi banganciphisi leyo mali njengoba isikhathi sihamba, uma kungenjalo. Ngokuvamile bayitshala ukuze baqhubeke bethola imali eyanele ukuze bakwazi ukuphila nyanga zonke. Lokho kusho ukuthi: Umgomo wakho uwukuthola imali engenayo eyanele njalo ngenyanga ukuze ukwazi ukuphila, lokho kwaziwa ngokuthi inkululeko yezezimali.

Manje umbuzo omkhulu: Bayithola kanjani? Sizonikeza isibonelo sezinyathelo ezithile ezingalandelwa umuntu oqaphayo. Imayelana isu elilula kakhulu:

  1. Phakathi nesigaba sokuphila, esingaba iminyaka eyishumi kuya kweyishumi nanhlanu, sebenza kanzima ngangokunokwenzeka.
  2. Sebenzisa kuphela imali oyidingayo. Ngakho-ke, amazinga okonga akhuphuka, futhi angafinyelela ku-60-80%.
  3. Njengoba wonga, tshala leyo mali. Ngenzalo ehlanganisiwe, uthishanhloko uzokwengezwa nakakhulu.
  4. Finyelela inani elibaliwe ukuze uthole inkululeko yezezimali. Lesi sibalo siyimali etshaliwe inzuzo yayo ivumela umuntu okukhulunywa ngaye ukuthi aphile impilo ayifunayo ngaphandle kokusebenza. Endabeni yabakhokhi bentela, baneliswa ukukwazi ukukhokhela izindleko eziyisisekelo.
  5. Qhubeka nempilo ngaphandle kwesibopho sokusebenza, njengoba ungasancikile kunoma yimuphi umholo.
  6. Ukuhlala nemali engenayo, kodwa ukugwema ukuthi inhlokodolobha iyancipha kakhulu. Ukufeza lokhu, inzalo etholwe ekutshalweni kwezimali kufanele ihlanganise lokho okusetshenziswa nyanga zonke.

Nakuba konke kuzwakala kumnandi kakhulu futhi kulula, emhlabeni wabathengi esiphila kuwo, kunzima kakhulu ukuqeda isidingo sokuthola izifiso esingazidingi nhlobo. Ukulandela le ndlela kudinga ukuzimisela nokubekezela okukhulu. Uma singakwazi ukuba abaqili, akukho okwenzekayo. Sisengakwazi ukuzuza inkululeko yezezimali ngokulandela uhlelo lokonga nokwenza utshalomali oluhlakaniphile, lwesikhathi eside. Yebo, cishe sizothatha iminyaka embalwa eyengeziwe.


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Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.