Kusungirako kugula kwakukulu, kupeza ndi kuyika ndalama kuti phindu likulolani kuti musade nkhawa ndi ndalama - kodi izi sizomwe ambiri a ife timazilakalaka? Koma nthawi zambiri timatha kukwaniritsa ndalama zochepa zokha ndipo tikuwoneka kuti tikugunda denga losaoneka, zonse zomwe zimapezedwa moona mtima nthawi yomweyo zimagwiritsidwa ntchito pazinthu zachabechabe. Chifukwa chiyani izi zimachitika komanso momwe mungagonjetsere chotchinga ichi, akuti katswiri wa zamaganizo ndi banki Irina Romanenko.
Tsoka ilo, machitidwe amalingaliro ndi machitidwe a anthu ochita bwino kapena psychology of chuma amakhalabe kumbuyo kwa kafukufuku wamakono wamalingaliro. Izi ndi zomveka: olemera safunikira maphunzirowa, ndipo akatswiri a zamaganizo amayang'ana kwambiri kuthandiza anthu omwe ali ndi vuto la ubongo, kudzikwiyira okha ndi okondedwa awo, kuthandiza anthu omwe ali ndi nkhawa nthawi zonse komanso omwe amagonjetsedwa ndi mantha aakulu.
Komabe, pansi pa kusanjika kwa zinthu zosiyanasiyana zamaganizidwe, zovuta zoyambira zamunthu nthawi zonse zimabisika - chikhulupiriro, chikondi ndi kudzivomereza. Ndizovuta izi zomwe nthawi zambiri zimatsogolera munthu kulephera kusinthika mu gulu, kutenga udindo, kuwonetsa mikhalidwe yawo ya utsogoleri, kukopa anthu ena, kuyambitsa ntchito yawoyawo kapena bizinesi.
Chifukwa chake, mavuto aumwini amakulitsidwa ndi azachuma. Anthu amamera kwa zaka zambiri pantchito yosakondedwa, amadziona ngati opanda pake, opanda pake, amataya tanthauzo la moyo. Nthawi zina kungodziwa malingaliro anu oyipa kumathandiza kuimitsa.
Makhalidwe amalingaliro amalonda atha kukhala mutu wamaphunziro osiyana.
Koma nthawi zina kukula kwa zikhulupiliro, kupeza zofunikira, kukhudzana ndi chidziwitso sizimapereka zotsatira zomwe mukufuna. Gawo lovuta kwambiri kwa ambiri ndikugonjetsa mantha ndi kukayikira zomwe zimalepheretsa kuchitapo kanthu, kupita patsogolo ndikuthetsa chilimbikitso chathu. Ndi mderali pomwe akatswiri azamisala atha kupereka chithandizo chamtengo wapatali kwa anthu omwe afika padenga pantchito yawo ndipo akutenga njira zawo zoyambira bizinesi ndi ndalama.
Nthawi zambiri ndimagwira ntchito ndi otsogolera ndi eni mabizinesi omwe atopa ndi kukakamizidwa kosalekeza kwa magulu awo oyang'anira, kupsinjika kwa mpikisano, komanso kusakhazikika kwachuma ndi ndale m'misika yathu. Amafunikira chithandizo chamaganizo choyenera, koma adzadalira akatswiri a maganizo ndi alangizi okhawo omwe ali ndi luso lotha kuthetsa zovuta zamalonda ndikumvetsetsa njira zopezera ndalama.
Tsoka ilo, palibe akatswiri a zamaganizo pakati pa amalonda ochita bwino ndi osunga ndalama, ndipo palibe pafupifupi amalonda opambana ndi ochita malonda pakati pa akatswiri a maganizo. Maluso ndi ma psychotypes a anthu m'maiko awiriwa ndi osiyana kwambiri. Anthu ochita bwino mubizinesi amasiyana m'malingaliro ndi anthu wamba chifukwa:
- kuposa ena amaganizira za komwe ndi momwe angapangire ndalama;
- pragmatic ndi zenizeni;
- amakonda kuwerengera zochitika zambiri zomwe zikubwera patsogolo ndikuchitapo kanthu mwachangu;
- ndi ochezeka komanso odziwa kuwononga anthu;
- kudziwa kutsimikizira anthu ndi kuwasonkhezera;
- nthawi zonse lankhulani momveka bwino komanso mwachindunji za zomwe akufuna kwa ena;
- mumkhalidwe wovuta, malingaliro awo amalunjika kupeza njira yothetsera;
- sali okhoterera kudziimba mlandu iwo eni kapena ena kaamba ka zolephera zawo;
- amatha kubwereranso pamapazi awo atalephera ndikuyambanso;
- kuyang'ana mwayi ngakhale panthawi yamavuto;
- khalani ndi zolinga zapamwamba, khulupirirani iwo ndikupita kwa iwo, mosasamala kanthu za zopinga;
- kwa iwo palibe kusiyana pakati pa zofunikira ndi zofunidwa, komanso pakati pa zomwe zimafunidwa ndi zotheka.
Mndandandawu sunathe konse. Makhalidwe amalingaliro a amalonda atha kukhala mutu wamaphunziro osiyanasiyana ndi zofalitsa.
Kwa makasitomala anga ambiri, kuwonjezera malire awo a "ndalama" kumakhala kovuta. Ndikuganiza kuti ambiri a inu mwazindikira kuti ndizovuta kupanga ndalama zochulukirapo kuposa kuchuluka kwapadera. Mwamsanga pamene kuchuluka kwamatsenga kufikiridwa, nthawi yomweyo pamakhala chikhumbo chosatsutsika kapena kufunika kochigwiritsa ntchito. Ndipo izi zimabwerezedwa mobwerezabwereza.
Pali zochitika zamaganizo zomwe ndimatcha malire a ndalama. Kwa munthu aliyense ndizosiyana, koma zimagwirizana ndi mfundo yakuti mu chidziwitso chathu, motsogoleredwa ndi mbiri ya banja, zochitika zaumwini ndi chilengedwe, "chiwerengero chokwanira" chapangidwa, pamwamba pake sichimveka. ubongo wathu kusokoneza. N'zotheka kukulitsa malirewa pokhapokha pofotokozera osadziwa chifukwa chake timafunikira ndalama zambiri.
Mukamakhulupirira kwambiri zomwe mukuchita, nthawi zambiri mumakhala muzothandizira, zolinga zanu zimakwaniritsidwa mwachangu
Palokha, funsoli likukhudzana kwambiri ndi chikhulupiriro cha zomwe timachita kapena, m'mawu a Viktor Frankl, "kufunafuna kwathu tanthauzo." Pamene titha kutsimikizira gawo lachidziwitso cha psyche m'lingaliro lalikulu la zomwe tikuchita, ndi "kulungamitsa" kuchuluka kwa ndalama zomwe zimafunikira kuti tikwaniritse zolinga, mantha ambiri ndi midadada panjirayi zimaphwanyika okha. .
Mphamvu zimawuka, chilimbikitso chozikidwa pa chikhulupiriro pachifukwa chimawonjezeka. Simungathe kukhala chete, kuchitapo kanthu, kupanga mapulani nthawi zonse ndikulandila tsiku latsopano ndi chisangalalo, chifukwa zimakupatsirani mwayi wobweretsa malingaliro ndi mapulani anu.
Zolinga zanu zimakwaniritsidwa mwaokha, anthu oyenera amawonekera m'moyo wanu ndipo zochitika zoyenera zimachitika panthawi yoyenera. Muli mu gwero, pamafunde anuanu ndipo mutha kukwaniritsa zambiri munthawi yochepa. Ndikosavuta kwa inu kukopa anthu, chifukwa anthu amakopeka kwa inu, mphamvu zanu, chikhulupiriro. Dzikoli ndilo maziko a psychology ya kupambana ndi chuma.
Chikhulupiriro chanu pa zomwe mukuchita, nthawi zambiri mumakhala muzinthu, zolingazo zimakwaniritsidwa mofulumira, zotsatira za moyo zimakwera. Kuti mukwaniritse izi ndikuchotsa "malire andalama", ndikupangira izi:
Njira: Kuchulukitsa Malire a Ndalama
Khwerero 1. Dziwani kuchuluka kwa ndalama zomwe mumawononga pamwezi ndi zinthu (nyumba, chakudya, zoyendera, zovala, maphunziro, zosangalatsa, zosangalatsa, ndi zina).
Khwerero 2. Dziwani kuchuluka kwa ndalama zomwe mumapeza pamwezi.
Khwerero 3. Dziwani kuchuluka kwa ndalama zomwe mungapereke pamwezi zomwe mungasungire kapena kugulitsa (ndalama za mwezi uliwonse kuchotsera zowonongera pamwezi).
Khwerero 4. Sankhani kuchuluka kwa ndalamazi zomwe mudzapulumutse, kuchuluka kwa ndalama zomwe mungasungire, komanso kubweza kotheka.
Khwerero 5. Perekani chidule cha ndalama zomwe zingatheke pamwezi kuchokera kuzinthu zomwe zasungidwa ndi kusunga. Kodi mtsinjewu umakulipirani ndalama zomwe mwapeza mu gawo loyamba? Kodi mungakwanitse kale kusagwira ntchito ndikukhala ndi ndalama zomwe mwapeza komanso chiwongola dzanja pa zomwe mwasunga?
Ngati inde, ndiye kuti mwapeza kale ufulu wazachuma ndipo simuyenera kuwerenganso nkhaniyi.
Khwerero 6. Ngati sizili choncho, werengerani kuchuluka kwa ndalama ndi zaka zingati zomwe muyenera kusonkhanitsa ndalama zomwe mumapeza pakalipano komanso ndalama zomwe mumapeza, kuti ndalama zomwe mumapeza kuchokera ku ndalama zomwe mwasunga ndi kuziyika zigwirizane ndi zomwe mukugwiritsa ntchito panopa.
Khwerero 7. Ngati mukufunikanso kulipira pulojekiti, lingaliro labizinesi, kapena kugula, phatikizani ndalamazo muzowerengera pamwambapa ndikuwonjezera ku capital capital yanu.
Khwerero 8. Dzifunseni nokha funso: kodi mukufunadi kugula, bizinesi kapena polojekiti? Mudzamva bwanji mukapeza zomwe mukufuna?
Khwerero 9. Kuti muchite izi, yang'anani zomwe mwagula ndi / kapena zotsatira za polojekitiyi muzinthu zakuthupi (nyumba, galimoto, yacht, maulendo, maphunziro a ana, bizinesi yanu, ndalama zomwe mumapeza kuchokera ku bizinesi, ndi zina zotero).
Khwerero 10. Dzifunseni momwe mumamvera mukamawona kuti mukupeza zomwe mukufuna mudziko lenileni. Fotokozani mwatsatanetsatane, monga mlendo amene samamvetsetsa bwino chinenero chanu, momwe mumamvera mukamaganizira kuti mwakwaniritsa cholinga ichi m'zinthu zakuthupi.
Khwerero 11. Ngati simukhala ndi nkhawa komanso kukhumudwa, ndiye kuti cholinga chanu ndi "chobiriwira" kwa inu ndipo chikomokere sichingatseke.
Khwerero 12. Ngati pali nkhawa, ndiye kuti muyenera kudziwa zomwe zimakulepheretsani ndikukuwopsezani. Ngati mantha ali amphamvu, ndiye kuti nthawi zina ndi bwino kuganiziranso cholinga kapena kukulitsa nthawi yomaliza kuti mukwaniritse.
Palinso njira zapadera zogwirira ntchito ndi mantha. Komabe, nthawi zambiri kuzindikira kwa mantha kumakupatsani mwayi wothetsa mkangano wosazindikira.
Mukadzadziyesa nokha ndi masitepe 9-12, chokhumba chanu chidzakhala kale cholinga. Panthawi imodzimodziyo, mudzamvetsetsa ndikuvomereza kuti kuti muzindikire cholinga chanu, mukufunikira ndalama zenizeni. Ndipo izi zikutanthauza kuti ndalama zanu malire kale m'maganizo «wosweka». Pankhaniyi, mutha kuyamikiridwa: mwakonzekera sitepe yotsatira - kupanga njira ndi njira zopezera ufulu wachuma.