Ubudlelwano babantu nezwe buhlukile esimweni ngasinye. Ngokuvamile, noma kunjalo, kunamaphethini athile, ubudlelwano, ukuchema, nokuziphatha okufanayo. Lobo budlelwane phakathi kwemvelo yomuntu kanye nokutshalwa kwemali kusondele kakhulu. Imali kungenzeka ingabi nemizwa ngabantu, kepha abantu banemizwa ngemali. Ubudlelwano obungenangqondo ngokuphelele, kepha obenzeka ngokunengqondo. Ngakho-ke ukubaluleka kokuqonda i-psychology lapho utshala imali.
Senza ngokungazi esikhathini esiningi, cishe i-95% yayo. Ukuzikhipha wena nokubona imicimbi ngombono ofanele kubalulekile ekwenzeni izinqumo. Futhi uma kuziwa enhlokodolobha ongaba nayo kuphothifoliyo yakho, into yokugcina ongayenza ukwenza izinqumo ezingekho ezinengqondo. Kodwa-ke, singabantu, futhi asikwazi ukulinganisela ngo-100% wesikhathi. Ngaleso sizathu, ngizokhuluma ngokuqinisekile amaphethini akhula ngendlela ejwayelekile. Yini ezokuholela ekutholeni lapho izinto zinomthelela ezinqumweni zakho, okungafanele zibekhona.
Ukuchema kokuqinisekisa ekutshaleni imali
Ukuchema nesiqinisekiso yiyona ukuthambekela kwabantu kokubeka eqhulwini kulolo lwazi oluthanda noma oluqinisekisa imibono yabo futhi ucabanga okuthile. Izibonelo:
- Umuntu ukholelwa ukuthi uMhlaba uyisicaba. Funa imininingwane esekela indlela yabo yokucabanga. Thola imininingwane, bese ucabanga "AHA! Bengazi! Umhlaba uyisicaba! ».
- Umuntu ukholelwa ukuthi kukhona uzungu ngento ethile. Ubheka imininingwane eqinisekisa imibono yakhe ayithole. Cabanga futhi ... Ngihlakaniphe kanjani! Uqinisile! ".
Kunezinhlobo ezimbili zokucabanga, ezinciphisayo nezingahambisi kahle. Ukudonswa kwemali kugxila ezakhiweni ukuze kufinyelelwe esiphethweni, nasekunciphiseni ekufuneni izakhiwo eziqinisekisa isiphetho. Ukuchema kokuqinisekisa lapho, kuyiphutha elihleliwe mayelana nokucabanga okungahambi kahle. Umkhuba ojwayelekile wokuthi ekugcineni, ngezinga elincane noma elikhulu, sonke sikhombise.
Es iyingozi kakhulu futhi iyonakalisa, yingakho ngiyibeke endaweni yokuqala. Ithinta ngqo ngaphezu kwalokho ongakucabanga empilweni yethu, futhi nakwezemali. Kuliqiniso elifakazelwe ukuthi abatshalizimali abaningi bavame ukukholelwa ukuthi ukutshalwa kwezimali abakukhethile kungaba kuhle, kepha bazizwe bengavikelekile (besaba). Ukusuka lapho, ukufuna imininingwane yokusekela imibono yakho kuyiphutha. Umtshalizimali ozitika ngalolu hlobo lokuziphatha kufanele ayeke hhayi ukutshala imali. Ngaphandle kokuthi, iziphetho zakho ziqine ngokwanele ukuthi azinciki embonweni noma ekuhlolweni kwabanye.
Ukwehluleka ukwenza ngokufanele kungakwenza yenza izinqumo zokuxhamazela nokuzethemba ngokweqile nokukhokhela ngokweqile okuthile okungakufanele. Uzokubona lokhu kuziphatha kumabhamuza wezomnotho.
Ungazivikela kanjani ngokuchema nesiqinisekiso?
Uma kwenzeka ukuthi umtshalizimali aqale ukuthuthukisa lokhu kukhetha, kunamasu okukuvimba. Enye yazo imayelana cabanga isikhundla somuntu ongeke atshale imali enkampanini ekhethiwe. Ukusuka lapho, nikeza izimpikiswano eziphika ukuthi kuyimali enhle. Yiba nohlobo "lwengxoxo."
Enye inqubo yile cabanga ukuthi konke noma ingxenye enkulu yotshalo-mali ilahlekile, bese uzibuze ukuthi kungani lokho kungenzeka.
Abatshalizimali abasekela izinqumo zabo ngaphandle kokubavumela ukuthi bawele ekuthandeni kokuqinisekisa bavuna inzuzo ephezulu.
Sesha amaphethini (i-pareidolia kwezezimali)
Okwesibili, futhi futhi kuyonakalisa kakhulu. Enye yezindlela ubuchopho bakho obungakukhohlisa ngayo ukumiswa kwayo. Sihlelelwe ukubheka ama-analogies, ukufana namaphethini Yonke indawo. Kufana nesoftware eza ifakwe kuwe, ngeke uyiqede. Ukungabi nombono walesi simo kuzokuholela ekukholweni "ngamanga" okungenzeka ukuthi ubuchopho bakho bakhile, kodwa empeleni kuyinkohliso.
- Le akuyona inkinga yezobunhloli. Eqinisweni, kuyisisekelo sendlela esazi ngayo umhlaba, senza umqondo wamagama, siqonde imvelo, futhi silindele ukuthi kungenzeka okuthile.
- Izinkolelo-ze. Ukuthi into yenzeke kaningi akusho ukuthi izophinda yenzeke. Inqobo nje uma izizathu ziqinile.
Uma ungumuntu onengqondo, wezibalo futhi ohlaziya kahle, ngiyaqiniseka ukuthi uzobona amaphethini ungahlosile kuzingcaphuno eziningi. Leli khono liyamangalisa, futhi lenziwa njalo nangokucindezelwa. Kepha njengoba kukhona amafu abukeka ebiza futhi engabizi, kumele ufunde ukuthi izinto zenzeka ngaphandle kokuxhumana.
Hudula umphumela, ukutshalwa kwezimali kwengqondo
Waziwa njengomphumela we-Bandwagon, weqa kwi-bandwagon. Kukhiqizwa ngamathuba okubona ukuthi abanye abantu bakholelwa kanjani entweni ethile futhi bafuna ukulingisa. Imvamisa ngoba izinto zihamba kahle (noma kubonakala kanjalo). Futhi okuvame ukudala ukuthi isidingo somkhiqizo noma isenzo sande, ngokwesibonelo. Njengoba isidingo sanda, intengo ivame ukukhuphuka, futhi uma abantu abaningi benza inzuzo, abanye baqala ukuba nentshisekelo ukuze bangalahlekelwa yithuba, bakhuphule ukufunwa nangaphezulu futhi ngenxa yalokho intengo.
Kuyinto eyinhloko yemiphumela ehlawulayo Bubbles kwezezimali. Kuvame ukubamba abantu abaningi, ngisho nabanye abanamakhono amahle ne-psychology lapho bebeka imali. Futhi indlela engcono yokuzivikela iwukubuka wonke umuntu enza into efanayo, ayeke ukucabanga, futhi azibuze ukuthi "Yini engonile?" Ukugwema ukungena kule minyango yenjabulo ehlanganyelwe cishe kuzohlala kukuvikela ekulahlekelweni kwemali enkulu okungaba khona.
Hudula isibonelo somphumela wesenzo
Njengamanje singathola amasheya ezinkampani ezibalwe emakethe yamasheya, izinombolo zazo ezisinika inani eliphakeme kakhulu lokuphindaphinda kwenzuzo yazo. Yebo, ngezinga elikhulu yilezo zinkampani zefilosofi yokutshala imali "ukukhula". Kodwa-ke, akubona bonke abazohlala behlangabezana nokulindela kwakho, futhi kwesinye isikhathi kunezilinganiso ezingaba phezulu kakhulu. Kangangokuthi ephepheni izimo ezithile ezihehayo kwesinye isikhathi zenzeka. Ake sicabange ngesibonelo esingaba yindaba yangempela.
Cabanga ukuthi uhlangana nomakhelwane wakho. Futhi uyachaza ukuthi unenkampani enenani lalo elingama- $ 50.700, nokuthi unesikweletu esingu- $ 105.300 nokuthi ucabanga ukusidayisa. Leyo uma ungathengisa yonke imali yakho ngaphezulu noma ngaphansi ungakhokha uhhafu wemali oyikweletayo. Uyabuza… "Hawu, uhole malini ngonyaka odlule?" Futhi uphendula ngokuthi uwine ama- $ 12.000. Njengoba ungumuntu ohlakaniphe kakhulu, uqala ukubheka imiphumela yeminyaka edlule. Futhi uyabona ukuthi isikweletu sakho sikhula ngokushesha ukwedlula umholo wakho.
Ngokuya ngezimo ezikhona manje, uyambuza ukuthi uyithengisa ngamalini, yena uyiphendula ngalokho $ 1.640.000 inkampani enikeza u- $ 12.000 ngonyaka ngesikweletu esingayeki ukukhula. Ungaphendula uthini? "Hhayi, $ 1.640.000 ibukeka njengenani elifanele!" noma-ke ungahlala ucabanga ... "Lokhu akunakwenzeka".
Kwesinye isikhathi singangena emzameni bese sibona izimpahla ezingayeki ukukhuphuka ngentengo ukuze zizuze kuleyo mpumelelo. Inkinga kuzoba ukukhohlwa ukuthi ekugcineni amasheya amele izingxenye zezinkampani zangempela nokuthi lokhu kulinganiswa kungenzeka kungabi nengqondo enkulu. Hhayi ngaso sonke isikhathi yonke into inenani layo elifanele, ngoba imodeli noma okulindelwe ukukhula kungasiza ekwenzeni ukulinganiswa kuphakame kakhulu noma kancane. Ukugcina i-psychology epholile lapho utshala imali kuzosisiza ukuthi siqhele kude namabhamuza.
Izikweletu Vs Okulindelekile
Ngabe wazi ngomuntu oqoqa izikweletu eziningi ngokwengeziwe? Lokho kungena kuleyo loop engaphumi kuyo. Uyazi ukuthi unemali oyongile futhi ufuna ukuyitshala, ulindele ukuzuzani? Yebo, leli cala lilula ukuliqonda, kepha ngasizathu simbe, Ngikubonile lokhu kuziphatha ngendlela ejwayelekile kakhulu.
Kunabantu okuthi noma babe nokubolekwa imali kwenkampani, imali ebanjwayo, noma isikweletu esinamakhadi, njll., Bakhokhe inzalo ye-oda le-6-7% noma nangaphezulu. Amaphesenti amabi ngempela. Inkinga ukuthi uma ugcina okuthile, kusetshenziselwa ini ukunikeza leyo mali. Okuyindida kulapho umuntu ethatha isinqumo sokuthi into ephumelela kakhulu ukutshala imali emakethe yamasheya noma ukuthenga imikhiqizo enenzalo ka-2% (ngokwesibonelo). Uma une-psychology enhle lapho utshala imali, futhi singangeni ekukhohlisweni kwemali, sizobona ukuthi lesi sinqumo asilungile.
Izibonelo zokusebenzisa imali ngendlela engafanele
Ake sibheke izinto ngombono:
- Isikweletu esingu-7% noma ngaphezulu sitholakele. Futhi unemali ("insalela") lapho uhlose ukuthola khona u-2%. Ake sithi ngokuqhubekayo, ukuthi imali oyongayo ilingana nesikweletu sakho ...
Uma ngithi "ngithole isikweletu esingu- € 20.000 ngo- 7%, futhi ngalezo € 20.000 ngizothenga umkhiqizo oqinisekisa ukuthi ngingu-2% ngonyaka" ... Noma ngubani osengqondweni yakhe angacabanga ukuthi nginguye ukuqamba amanga noma ukuthi angazi nakancane ukuthi ngithini.
Yebo, ngithi lokhu bekugxile kulabo bantu okuthi, ngoba banezikweletu ezinkulu, bakholelwe ukuthi into ehlakaniphe kakhulu ukuthi bangayisusi bathenge eminye imikhiqizo. Kungenzeka ukuthi lowo muntu, njengefilosofi yempilo, akanandaba nokunciphisa isikweletu sakhe nokuphila usuku nosuku. Ihlonipheke ngokuphelele. Kodwa ukonga, ukugcina isikweletu, nokuthola imbuyiselo kungaphansi kunenzalo ekhokhwayo ... Cha. Akunasisekelo esizwakalayo.
Ngiyethemba ukuthi lezi zifundo zikusizile, nokuthi izinqumo zakho zezezimali nezempilo zizolunga kakhulu kusukela manje kuqhubeke. Ukwazi izingibe zethu zengqondo nokuthi i-psychology yakho isebenza kanjani lapho utshala imali, kuzogcina kukusiza ukuthi wenze izinqumo ezingcono, futhi ungenzi amaphutha amaningi.