Nchifukwa chiyani timaopa kutaya ndalama

Mantha okhudzana ndi ndalama si achilendo. Tikukhala m'gulu la ogula ndipo tikuopa kutaya chinachake, timayesetsa kukwera pamwamba pa piramidi ya ogula kuti tilandire zinthu zabwino zakuthupi.

Panthawi imodzimodziyo, chimodzi mwa zopinga zazikulu zamkati za chitukuko ndi "denga la ndalama", aliyense ali ndi zake. Tikunena za ndalama zinazake zimene timaona kuti n’zotetezeka kuti tikhale nazo. Malingana ngati ndalama zathu zili pansi pa denga ili, ndife odekha, koma ndalama zathu zikangopitirira, timamva ngozi, nkhawa, ndikuyamba kuchotsa "zopambana".

Ndalama zili bwino

Aliyense amanena kuti kuti munthu akhale ndi moyo wabwino, ayenera kukhala ndi maganizo abwino komanso makhalidwe abwino. "Anthu omwe ali ndi malingaliro aumphawi" amagwira ntchito kuti apulumuke, kugula zinthu zomwe amafunikira, osati zomwe amakonda. Anthu ochita bwino amapeza ndalama kuti akwaniritse zomwe amakonda, kuchita zomwe amakonda, komanso kugwiritsa ntchito ndalama pazinthu zomwe amakonda.

Ndikofunika kuti tisatengeke ndi chikhumbo chokhazikika cha "kuchoka mu umphawi", koma kusonkhezeredwa ndi lingaliro lakuti ndalama zambiri zomwe tili nazo, tikhoza kuikapo ndalama zambiri pa chitukuko chathu, mu bizinesi yomwe timakonda ndikupindulitsa ena.

Simungayang'ane pa zomwe tilibe (nyumba, ntchito yabwino), ndikukopa mwamphamvu "kuperewera" uku m'moyo wanu. Ndikofunika kuika maganizo athu pa zomwe tili nazo ndi kuyesetsa kuonjezera zomwe tili nazo. Tiyenera kudzifotokozera momveka bwino pazachuma, chikhalidwe cha anthu omwe tili tsopano, momwe takwaniritsira izi, ndiyeno tisankhe zomwe tikufuna kupeza, ndi mlingo wotani wokwera ndi ntchito yotani kuti tikwaniritse izi.

Njerwa zomwe njira yaumphawi imayalidwa ndikuopa kukana, kukhumudwitsa ena, kudalira maganizo a ena, kuwononga nthawi kwa ena kuti awononge zofuna zake. Zonsezi ndi kudzichitira nokha ulemu kotheratu ndi kudzichotsera kufunikira kwake. Ndikofunika kudzilemekeza nokha, nthawi yanu ndi mphamvu zanu, ndipo ngati mumadzifananiza ndi ena, ndiye kuti ndikulimbikitseni kuti mupambane kwambiri.

Maganizo oipa pa ndalama sangabweretse ku solvency. Chifukwa chake, ndikofunikira kusintha malingaliro onse oyipa ndi amodzi abwino: "Ndine woyenera / woyenerera." Bwerezerani lingaliro ili tsiku lililonse kuti musiye kuchita mantha ndi ndalama ndikumvetsetsa: chilichonse chomwe tili nacho, tadzipeza tokha. Ndikokwanira kuzindikira kuti ndalama ndizolemera, kukhazikika ndi ufulu, zomwe zikutanthauza kuti mungathe kuyankhula ndi kuziganizira bwino.

Ndalama ndi mphamvu yamphamvu yokhala ndi makhalidwe ake omwe muyenera kuphunzira kuvomereza. Sikoyenera kuti muziyamikira ndi kudzikonda nokha, kuonjezera kudzidalira kwanu, kukhala ndi malingaliro abwino a ndalama, osati kulimbana nawo, komanso kuphunzira momwe mungawasamalire, kuchotsa zomwe zimayambitsa mantha zomwe zimachepetsa zabwino. kuyenda kwachuma. Chinthu chachikulu ndikuchotsa zotchinga zamkati zomwe zimakulepheretsani kukwaniritsa zolinga zanu.

Mantha akuluakulu okhudza ndalama ndi njira zowachotsera

1. Kuopa kulephera kwanu

Zifukwa za mavuto nthawi zonse ndi ndalama zimagwirizanitsidwa osati ndi kukhalapo kwa zikhulupiriro zosasinthika, zochepetsera, koma ndi mantha a ndalama. Mwachitsanzo, ndalama owonjezera anaonekera (umafunika, winnings), koma si bwino chochita ndi izo, kumene aganyali, momwe aganyali. Izi zimayambitsa malingaliro olakwika, kuphatikizapo mantha achilendo, osamvetsetseka.

Kusadziwa bwino zachuma kumabweretsa mantha komanso kuchita zinthu zopanda nzeru ngakhale pakakhala zovuta. Anthu odziwa bwino zachuma sachita mantha ngakhale pakakhala zovuta: nthawi zonse amakhala ndi "chitetezo chachitetezo" chomwe chimawalola kupirira mphamvu zazikulu.

Kusamalira bwino ndalama, simungangochepetsa kwambiri ndalama, komanso kuonjezera makulidwe a chikwama chanu. Kudziwa zachuma kumapereka mlingo wina wa kutchuka, kumathandiza kupeza magwero a ndalama kupatulapo ntchito. Tili ndi chidziwitso ndi luso lokha, komanso kukhazikika m'maganizo.

Mfundo zoyambira pazachuma: kukonzekera ndi kuwerengera ndalama zoyendetsera ndalama, malingaliro oyenera pazachuma, kulumikizana ndi mabungwe oyenerera, ndalama zogwirira ntchito zandalama - zitha kuphunzitsidwa bwino m'maphunziro, masemina, ma webinars komanso mothandizidwa ndi mabuku.

Kwa anthu ambiri omwe akuyamba kuphunzira zachuma, kuti athe kusintha moyo wawo, ndizokwanira kupanga zizolowezi zabwino: kukhala ndi dongosolo lazachuma, kusanthula ndalama zomwe amapeza ndi ndalama zomwe amawononga, kukonzekera ndalama zamtsogolo, komanso kuthekera kokhala mkati mwawo. kutanthauza.

2. Kuopa zoopsa

Kuopa ngozi kapena kulephera kumalepheretsa ntchito. Poopa kutaya zochepa zomwe ali nazo, ambiri amaphonya mwayi wopeza zambiri, amakana mwayi wopambana m'moyo chifukwa choopa kuyesa kusintha. Kusachitapo kanthu ndiye chiopsezo chachikulu. Koma pali ena: nthawi zambiri amakhala pachiwopsezo chomwe chimangowoneka ngati chizungulire. N’chifukwa chiyani salola kugonja?

Nkhani yake ndiyakuti, mabizinesi ochita bwino amakhala ndi chiyembekezo. Akatenga kukhazikitsidwa kwa chinachake, nthawi zonse amayesa mwayi wawo waukulu kwambiri, ngakhale kuti palibe amene amawazungulira amagawana maganizo awo. Amakhulupirira kuti apambanadi, ndipo ndichifukwa chake amatha kusonkhanitsa mphamvu zawo zonse ndikuwatsogolera kuti akwaniritse cholingacho. Sazunzika ndi kukayikira ndi nkhawa. Kwa iwo, zomwe ena amawona ngati chiwopsezo chosayenerera sichinthu choposa mtengo woganiziridwa bwino pasadakhale, zomwe sizingapeweke.

Tiyenera kukumbukira kuti kuchuluka kwa chiopsezo kumadalira mlingo wa chidziwitso, chikhalidwe cha thupi ndi maganizo, luso la kuzindikira ndi kukonza chidziwitso, kupanga zisankho zomveka, ndi kuchita zinthu zomveka. Pokhala ndi chiyembekezo komanso chiyembekezo, nthawi zonse padzakhala njira zochepetsera zoopsa.

3. Kuopa udindo

Dziweruzireni nokha: muubwana, akuluakulu ali ndi udindo kwa ife, kenako, kuntchito, woyang'anira, ndalama zosungira ukalamba - thumba la penshoni, kulera ana - sukulu. Kusayankha chilichonse n'koyenera kwa ambiri. Koma zimenezi zimalepheretsa mwayi wowonjezera chuma chakuthupi. Palibe amene ali ndi chidwi ndi khalidwe lapamwamba la moyo wathu kuposa ife eni, kotero ngati tikufuna kukhala ndi moyo wabwino, ndi bwino kudzisamalira tokha, kutenga udindo wa moyo.

4. Kuopa kusintha

Chinthu china chomwe chimayambitsa mavuto ambiri azachuma: mukufuna chuma chakuthupi, koma munthu sali wokonzeka kuchita izi - osapeza ntchito yatsopano, kapena kupeza gwero lina la ndalama, kapena kupeza chidziwitso chatsopano kapena luso, kapena kupeza. chizolowezi chothandiza chandalama.

Yesani kulingalira momwe mungachitire pazinthu zosiyanasiyana ngati simukuopa zatsopano. Ganizilani zimene munganene, mmene mungavalile, mmene mungadziyendele. Ithamangitseni mobwerezabwereza m'mutu mwanu. Yesani kutsogolo kwa galasi. Izi zidzakupatsani chidaliro chamkati. Musanachite chinthu chachilendo kwa inu pamaso pa anthu ena, muyenera kuchita modekha nokha. Kuopa kusintha kungagonjetsedwe mwa kuchita chinthu chatsopano komanso chosiyana.

5. "Ndalama zazikulu - mantha aakulu"

Mikhalidwe ndi zikhulupiriro zambiri pa nkhani ya ndalama ‘zimaikidwa mosamalitsa’ mwa ife ndi makolo athu. Ngati banja limakhala ndi ndalama zambiri kapena kusowa kosalekeza kwa ndalama, ndiye, monga lamulo, makolo anadzikana okha, ndipo nthawi zambiri mwanayo, m'njira zambiri, amalimbikitsa kukana ndi kusowa kwa ndalama. "Sitingakwanitse, ndi zodula kwambiri, osati pano, tikusungira zinthu zofunika kwambiri" - ndi kangati mwamvapo mawu otere?

Chifukwa cha zimenezi, anthu ambiri ayamba kukhulupirira kuti ndalama zambiri n’zosatheka. Kuletsa kwakukulu kumeneku kumatchinga kuyenda kwa mphamvu zandalama m'moyo. Nkhaniyi imakulitsidwa chifukwa chokumana ndi zovuta zokhudzana ndi ndalama. Izi zikuphatikizapo ndalama zomwe sizinaphule kanthu, ndi zochitika zomwe, mwachitsanzo, sitinabwezedwe ngongole.

Pali zifukwa zambiri zomwe zimachititsa mantha a ndalama, koma maziko ake ndi zochitika zoipa ndi zochitika zakale zomwe zinayambitsa mikangano yamkati. Kuti asinthe kwambiri mkhalidwewo, kudzinyenga ndi chikhumbo ndizofunikira.

Ndikoyenera kupeza malingaliro olakwika ndikusintha, mwachitsanzo, pogwiritsa ntchito ma antonyms. Mwachitsanzo, mawu akuti «Ndikuopa kutaya ndalama zanga chifukwa changa chomaliza analephera» akhoza m'malo ndi mawu «Ndikudziwa kupanga zisankho zolondola — kuphatikizapo mmene kupulumutsa ndi kuonjezera likulu.»

Kuphatikiza apo, muyenera kuphunzira momwe mungasamalire ngongole ndi ngongole moyenera. Ambiri amawaona kukhala olemetsa, otopetsa ndi owononga ndalama ndi mphamvu. M’malo mwake, muyenera kudzizoloŵera kumva kukhala opepuka nthaŵi zonse pamene mukubweza ngongole kapena kulipira ngongole. Mwachitsanzo, ngati tilipira ngongole panyumba, ndiye kuti tili ndi nyumba zathu. Ndikoyenera kuyamba m'mawa uliwonse ndi lingaliro ili ndikusunga chikhalidwe ichi.

Kupititsa patsogolo malo otonthoza kudzalola kusintha kwa tsiku ndi tsiku kuchuma chachuma. Kusintha zikhulupiriro zolepheretsa, kuchotsa mantha otaya ndalama pamapeto pake kudzasintha moyo.