Kodi Mungagule Chimwemwe?

Zamkati

• Kodi pali kugwirizana kotani pakati pa ndalama ndi chimwemwe?
• Ndalama zitha kukulitsa chisangalalo ndi thanzi kwa anthu omwe akhudzidwa ndi umphawi
• Kodi mumagwiritsa ntchito ndalama bwanji?
• Kodi pali nambala yamatsenga?
• Njira zina zowonjezera chisangalalo
• Tengera kwina

Kodi ndalama zimasangalatsa? Mwina, koma si funso losavuta kuyankha. Pali maphunziro ambiri pamutuwu komanso zinthu zambiri zomwe zimachitika, monga:

• chikhalidwe
• komwe mumakhala
• zomwe zili zofunika kwa inu
• momwe mumagwiritsira ntchito ndalama zanu

Ena amalimbikira kunena kuti kuchuluka kwa ndalama ndikofunika, ndikuti mwina simungamve chimwemwe mutakhala ndi chuma chochuluka.

Pitilizani kuwerenga kuti muphunzire zomwe kafukufuku akunena za kulumikizana pakati pa ndalama ndi chisangalalo.

Kodi pali kugwirizana kotani pakati pa ndalama ndi chimwemwe?

Zinthu zomwe zimakupatsani chimwemwe zitha kunenedwa kuti ndizofunika kwambiri. Izi zikutanthauza kuti ndiofunika kwa inu koma sizikuyimira mulingo wofunikira wachimwemwe kwa ena.

Ndalama, kumbali inayo, ili ndi phindu lakunja. Izi zikutanthauza kuti ena amazindikira kuti ndalama ndizothandizadi padziko lapansi, ndipo (nthawi zambiri) amazilandira.

Mwachitsanzo, mungasangalale ndi fungo la lavenda, koma wina sangakonde. Aliyense wa inu amapatsa kununkhira kwa lavenda mosiyanasiyana.

Simungathe kugula chisangalalo m'sitolo. Koma ndalama zikagwiritsidwa ntchito m'njira zina, monga kugula zinthu zomwe zimakusangalatsani, mutha kuzigwiritsa ntchito kuwonjezera phindu m'moyo wanu.

Chifukwa chake, ngati fungo la lavenda likukubweretserani chisangalalo, mutha kugwiritsa ntchito ndalama kugula m'njira zosiyanasiyana ndikusunga pafupi ndi nyumba kapena ofesi yanu. Izi zimathandizanso kuti mukhale osangalala. Mu chitsanzo ichi, mukugwiritsa ntchito ndalama kuti zikubweretseni chisangalalo.

Izi zitha kugwiritsidwa ntchito m'malo ambiri. Koma, ngakhale zinthu zomwe mumagula zitha kubweretsa chisangalalo chakanthawi, sizingatengere nthawi yayitali kapena chisangalalo chosatha.

Nawa zifukwa zina zotsutsana ndi ndalama zogulira chisangalalo.

Ndalama zitha kukulitsa chisangalalo ndi thanzi kwa anthu omwe akhudzidwa ndi umphawi

Tikuwona zomwe zingachitike patapita nthawi ngati amayi omwe ali m'mabanja omwe ali ndi umphawi ku Zambia amapatsidwa ndalama pafupipafupi popanda zingwe.

Chodziwika kwambiri chinali chakuti, pakadutsa miyezi 48, azimayi ambiri amakhala ndi nkhawa yayikulu ndikukhala ndi thanzi labwino, kwa iwo eni ndi ana awo.

Kafukufuku wa 2010 wofufuza kafukufuku wa Gallup wa anthu oposa 450,000 omwe adafunsidwa akuwonetsa kuti kupanga ndalama mpaka $ 75,000 pachaka kungakupangitseni kukhala osangalala ndi moyo wanu. Kafukufukuyu amangoyang'ana anthu aku United States.

Munthu wina wofunsidwa padziko lonse lapansi ndipo zotsatira zake ndi zomwezi. Malinga ndi zotsatira za kafukufuku, moyo wamunthu ukhoza kupezeka munthu akapeza ndalama pakati pa $ 60,000 mpaka $ 75,000. Kukhalitsa kumatha kuchitika munthu akapeza ndalama pafupifupi $ 95,000.

Chikhalidwe chimatha kukhudza izi. Kutengera chikhalidwe chanu, mutha kupeza chisangalalo muzinthu zosiyanasiyana kuposa munthu wazikhalidwe zosiyanasiyana.

Kafukufukuyu akuwonetsa kuti ndalama zitha kuthandiza kugula chimwemwe zikagwiritsidwa ntchito kukwaniritsa zosowa zofunika.

Kupeza chithandizo chamankhwala, zakudya zopatsa thanzi, komanso nyumba yomwe mukumverera kuti muli otetezeka kumatha kukhala ndi thanzi lam'mutu ndi thupi ndipo, nthawi zina, kumatha kubweretsa chimwemwe chowonjezeka.

Zinthu zofunika kwambiri zikakwaniritsidwa, chisangalalo chomwe munthu amakhala nacho ndi ndalama.

Kodi mumagwiritsa ntchito ndalama bwanji?

Inde! Umu ndiye pamtima pakutsutsana.

Kugula "zokumana nazo" ndikuthandizira ena kumabweretsa chisangalalo. Ndipo pali kafukufuku weniweni pambuyo pa izi.

Zotsatira zakufufuza pa mutuwu zikuwonetsa kuti kuwononga ndalama pazomwe takumana nazo m'malo mongogula ndi kupereka kwa ena osaganizira za mphotho kumabweretsa chisangalalo chachikulu.

Izi zitha kukhala ngati kupita ku konsati m'malo mogula TV yatsopano, kapena kugula wina amene mumamukonda mphatso yolingalira m'malo mongodzipangira kugula.

Ndipo apa pali chinthu china choyenera kuganizira: Kafukufuku wambiri mu 2015 wazolemba pamalingaliro ndikupanga chisankho adapeza kuti kuweruza kwanu kwamtengo wapatali kwa chinthu kumakhudzana kwambiri ndi momwe mumamvera pazotsatira. Olembawo adawatcha kuti pulogalamu yowunika (ATF).

Mwachitsanzo, ngati mukuwopa kuti nyumba yanu ingaphwanyidwe, kugula makina otetezera nyumba kumachepetsa mantha anu, omwe amatha kukulitsa chisangalalo kapena malingaliro anu.

Poterepa, chisangalalo chanu chimalumikizidwa ndi mantha anu.

Kodi pali nambala yamatsenga?

Inde ndi ayi. Khulupirirani kapena ayi, kafukufuku wina wachitika pa izi.

Kafukufuku wa 2010 wolemba zachuma komanso katswiri wazamisala Daniel Kahneman adapeza kuti, komwe chuma chimakhudzidwa, kukhutira kwa munthu ndi moyo wake sikukuwonjezeka patatha pafupifupi $ 75,000 pachaka.

Pakadali pano, anthu ambiri amatha kuthana ndi zovuta zazikulu pamoyo wawo monga thanzi lofooka, maubale, kapena kusungulumwa kuposa ngati akupeza zochepa kapena ali pansi pa umphawi.

Kupitilira apo, zizolowezi za moyo watsiku ndi tsiku ndizomwe zimayambitsa chisangalalo.

Zotsatira zakufufuza kwaposachedwa kwambiri komwe kumayang'ana chisangalalo mu anthu aku Europe zikuwonetsa kuti ndalama zocheperako zikufanana ndi chimwemwe: mayuro 27,913 pachaka.

Ndizofanana (panthawi yophunzira) pafupifupi $ 35,000 pachaka. Ndizomwezo theka waku America.

Izi mwina zimakhudzana ndi mitengo yakukhala ku United States poyerekeza ndi Europe. Zaumoyo ndi maphunziro apamwamba nthawi zambiri amakhala otsika mtengo ku Europe kuposa ku United States.

Ofufuzawa adanenanso zikhalidwe zina zingapo zomwe zitha kupangitsa kuti pakhale mgwirizano m'munsi mwa chisangalalo m'maiko awa.

Njira zina zowonjezera chisangalalo

Ndalama sizingagule chisangalalo, koma pali zinthu zina zomwe mungachite kuti muwonjezere chisangalalo. Taganizirani izi:

• Lembani zomwe mumayamikira. Kwenikweni "" atha kukuthandizani kuti mukhale ndi chiyembekezo. M'malo moganiza za zomwe mulibe, ganizirani za zomwe muli nazo.
• Sinkhasinkhani. Chotsani malingaliro anu ndikuyang'ana mumtima mwanu osati pazinthu zanu. Yang'anani pa omwe muli motsutsana ndi zomwe muli nazo.
• Chitani masewera olimbitsa thupi. Kuchita masewera olimbitsa thupi kumatha kuwonjezera ma endorphin, omwe amatha kukhala achimwemwe kwakanthawi. Kuchita masewera olimbitsa thupi kumathandizanso kuti mukhale olimba mtima kapena omasuka pakhungu lanu.

Tengera kwina

Ndalama sizingatheke kugula chisangalalo, koma zitha kukuthandizani kuti mukhale osangalala pamlingo winawake. Fufuzani zinthu zomwe zingakuthandizeni kumva kuti ndinu okhutira.

Ndipo kupitirira apo, mutha kupeza chisangalalo kudzera munjira zina zopanda ndalama, monga kucheza ndi anthu omwe mumakonda kapena kuganizira zinthu zabwino m'moyo wanu.