Njengoko uyazi, akukho mali ininzi, kodwa ukungabikho kwabo bantu kuziva ngathi yinxalenye enkulu yabantu. Ewe, ngaphandle kobunzima, musa ukukhupha intlanzi ngaphandle kwechibi. Kodwa ngaba inomnqweno wethu wokusebenza? Masizame ukufumanisa ukuba yintoni ukucamngca kwemali.
Iipeksi
Kukho umzekeliso. Omnye umntu wacela yonke imihla ngelo xesha wamnika ukuphumelela. Iingelosi ngazinye iingelosi zazisola ngalomntu, baza bafika kuThixo ukuba bacele kuye. Uye waqengqeleka waza waphendula wathi kudala zizalisekisile isicelo sezinto, kodwa akasayi kuthenga itikiti lelotto. Ngaba sele uyithengile eyakho?
Kuqinisekisiwe ukuba iingcinga zinezikhundla zokwenza izinto ezibonakalayo. Ukuba wenza yonke imihla ukuba ukhalaza ukuba akukho mali uswele imali kwikhefu kwaye uthenge ingubo oyithandayo, utyalo, kholwa kum, kunzima ukubakho ebomini bakho bezemali. Ukubeka impilo ebomini, kufuneka ulungiselwe. Zininzi iindlela zokucinga zokutsala imali. Bayacetyiswa ukuba basebenzise ukuyeka "umvuzo kwimivuzo." Kwaye akufuneki ukuba uthethe ngayo yonke imihla "ndisisityebi," apha ufuna indlela elungileyo.
Ungacamngca njani?
Singqongwe ngamandla ukuhamba, umsebenzi womntu kukwalathisa imilambo oyifunayo kwicala lakho. Zama ukuyikholelwa, kwaye uya kuqonda ukuba yonke into itshintsha njani. Ungavumeli ingcinga yokuba ungasweleki imali, emva koko kwi-walit iya kuyeka "ukuhamba nomoya". Khumbula amabinzana aliqela ekufuneka abe sisityholo sobomi bakho:
Ndikufanele konke okungcono;
Ndiza kuba sisityebi;
Ndiya kufumana uphondo lwam lokuninzi.
Nguwe ngokwakho awuyi kubona ukuba iingqekembe zemali aziyi kuba nakho ukhangela iitsheki ezinkulu.
Ukucamngca okudumileyo
Kwaye enkulu, imigaqo yokucamngca ifumane inzuzo yahlukile kwabanye. Eyona nto iphambili kukukholelwa ukuba yonke into kobu bomi inokwenzeka. Ukuphumelela kwilotto, kunye nendlela. Ukuba awuthenge itikiti lakho, emva koko zama enye yezona ndlela zivakalayo zokucamngca ngokukhawuleza, emva koko yiya kwilotto.
"NdiyiMagnet Cash Magnet"
Kuqala nilungiselele igumbi. Ayifanelanga ukuba ishushu, kungcono ukuba igumbi litsha. Phosa ukukhanya. Kufuneka kubekho cwaka ngeenxa zonke kuwe. Akukho nto ifanele iphazamise. Kubandakanya iingcinga ezizodwa. Hlala ngokunjalo. Phola. I-inhale yomoya epholileyo ihlawuliswe amandla.
I-Exhale - kwaye zonke izithuko, ukucaphukisa, uloyiko luyeke . Kwaye ngoku idlulisela ngengqondo kwi-lawn eluhlaza okanye i-lawn. Yiva ukuba iintaka zicula njani, umlambo kunye nemithi yingxolo. Chukumisa ingca, ubambe enye yemibala emnandi ejikeleze wena. Yiva umoya ovuthuzayo ovuthuzayo. Le yintsimi yakho yemimangaliso "(ukuba ingadibani nenyaniso yokuba kwilizwe lezidenge). Ngoku uziva hayi kuphela umoya omtsha, kodwa nevumba elimnandi leentyatyambo elikungqongileyo, ivumba lekofu kwiNdlu yeKofi, elahlukileyo.
Abantu abakufutshane nawe kukunokwenzeka okukhulu kakhulu kuneminqweno. Abazifuniyo. Kwaye wena kunye nabo. Ufumana ithuba lokusebenzisa izixhobo ezingenamda. Ngaphezulu kwakho ilanga. Ulusu luzive iirali zakhe. Oku kuhamba kancinci yigolide. Uqala ukubola ngezigidi zeengqekembe zegolide. Baya kuwa ngakuwe. Ubonakala ngathi uza kubatsalela.
Thatha ukuba ufuna kangakanani. Ngokukhawuleza uqale ichithwe ngengqondo. Ngokuzoba uluhlu lokuthenga, ungalibali ngezipho kufutshane. Ukuba unqwenela, shiya isixa esithile sothando. Kwaye qiniseka ukuba uxelele indalo "Enkosi" ngokuvumela ukuba ube ngumnini wabo bonke obu butyebi. Ngoku "buyela."
Kodwa qiniseka ukuba uqhubeka nokuhamba rhoqo.
"Umthi weMali"
Ukuqala, ukudala umhlaba ofanelekileyo ngenxa yesentlungwini yayo. Kuya kufuneka ukhululeke kuphela nawe. Cima ifowuni. Beka ukhululekile kulo nasiphi na isitulo, iSofa, isitulo. Isitulo esinqabileyo asiyi kufaneleka, kungcono ukuphosa ngaphandle. Kungekudala uza kuba sisityebi kwaye unakho ukuthenga entsha. Vala amehlo akho. Umzimba wakho kufuneka uphumle. Iingcinga zokutshabalalisa. Umphefumlo wakho uzolile.
Yenza imiphefumlo enzulu. Lixesha lokuqalisa ukutyala umthi. Yintoni oyithandayo ngakumbi - Oak, iMale, iBirch, i-Spruce, uRowan. Wakhetha? Khawufane ucinge ukuba ungumthi. Umqolo wakho uba yi-trunk yayo, izandla zezandla, imilenze - iingcambu ezomeleleyo. Utsala elangeni. Amagqabi kumasebe akho ayaphoswa. Uvuthuza umoya omnandi.
Yonwabele ngokupheleleyo le meko. Ngoku jika ube ngumthi wemali. Ulungele ukuthatha amandla okuchuma kunye nobuninzi. Imisebe yokukhanya kwelanga ikhutshiwe ngegolide. Igqabi ngalinye libonisa imithayo. Ugcwalisiwe ngala mandla uxabisekileyo. Imijelo yamanzi evuthayo yenziwa kwiingcambu zakho. "Ngokuzenzekelayo" uqhubela "iphela. Ugcwele amandla amatsha acocekileyo. Ungamyekeli.
Beka enye eneembambano zegolide kwindawo yentliziyo, i-turquoise, ezaziza namanzi, emazantsi esisu. Khumbula le mvakalelo kwaye uyigcine ixesha elide kangangoko kunokwenzeka. Ukudibanisa "ulwazi" rhoqo lubuyela emthini.
Zombini imitha yegolide ziye ezantsi kuye ngexesha lokucamngca kwakho kunye neendleko zemali kuyo yonke imibala ziya kuwa kwi-wallet yakho kungekudala.
"I-Cornucopia"
Obu buchule yenzelwe imali kwangoko. Ukwenza kufuneka wenze oku kulandelayo. Thatha Eyona ndawo ilunge kakhulu kuwe. Khumbula, kuyo uya kuchitha ixesha elide. Ngoku Vala amehlo akho kwaye ngokuthe ngcembe uzixakekisa. Akufuneki uziphazamise naziphi na iingcinga ezingaphezulu. Umsebenzi wakho kukujonga ubunzulu bokungazi nto. Beka ingqekembe yepeyinti engama-50 embindini womzimba. Kuya kufuneka uyibone ngokucacileyo nangokucacileyo. Khawufane ucinge ukuba le ngqengqelo iqala ngokuphindaphindiweyo. Omnye ubonakala kuyo, naye ke. Ke kufuneka uqokelele iingqekembe ezingama-20. Baqokelele kwisitaki kwaye bazobe ngokwakho njengokuhamba komoya.
Yenza ukuphefumla okunzulu koku. Imali "unepokotho." Kwangoko qhubela phambili kwinkcitho yawo. Inketho yokwenza intengiso kwivenkile. Mhlawumbi uza kubuya ityala okanye ubanike abazali. Okanye mhlawumbi umntu onesiginci kwi-gitar kwinguqu, uyadlala kakuhle. Cebisa nje kwibhili yokuthabatha. Kwaye ungathenga umhlobo othandwayo wesipho. Yenza eyona nto ingumphefumlo wakho. Into ephambili kukubonisa le nkqubo kuzo zonke iinkcukacha.
Kuya kufuneka wenze into enye, kodwa sele iBhili ebaluleke ngakumbi, umzekelo, kunye nebhanki kwii-ruble ezili-10. Yibeke kwindawo enye kwaye uphinde uqale ukumela indlela eyandiswa ngayo. Kuya kufuneka ugutyungelwe yimali. Zidibanise kwakhona kwaye uphinde uye kuchitha imali efunyenweyo. Emva koko ubuyela ubutyebi obutsha. Beka ezi ntlawulo zilandelayo kwii-ruble ezingama-50 okanye ezili-100. Imali kwakhona iqala 'ukuvelisa "ezifanayo nazo. Kwaye apha sele usehlathini lwase-Autumn, kuphela endaweni yamagqabi aphuzi onawo phantsi kwemilenze yebhanki. Uyaqokelela. Emva koko faka kuwe njenge-sip enkulu yomoya omtsha.
Ngoku zama ukuqonda ukuba yeyiphi indawo yomzimba awenzileyo. Kulapha kuya kuba kukhenketho lwakho nobutyebi. Ingakhangeleka njenge-wallet okanye iseli yebhanki, njengetyala okanye isifuba. Ngokuqinisekileyo ayinamsebenzi. Thatha indawo ethunyele indawo yakho engaphantsi komhlaba, jonga kakuhle, jonga ukuba akukho rhabaxa kuyo apho imali iphumile khona. Ukuba ezinye imingxunya kunye nee-rocks ezifunyenweyo-zazifaka kwangoko.
Khumbula, "idilesi" yobuncwane bakho. Kwaye ngoku thatha yonke into ukusuka apho kwaye uhambe kwilaphu elwandle, i-hicousine yelitha, ingubo yoboya, ibhotwe kunye needayimani. Uya kwanela yonke into. Ekupheleni kokucamngca, gcwalisa i-pantry yakho kwakhona ukuze ubuye apho. Olu qheloniso luya kuthumela ngaphandle kwakho ngemvakalelo yentlalo-ntle yezemali. Ke uzive ukhululekile ukuya kwilottery kwaye ujonge iposi, awukafiki isimemo sokusebenza iphupha lakho?
"Ukuhamba KWEMALI"
Susa amatyala athile kwi-wallet. Kuyilungele kakhulu inzuzo encinci yeeruble ezingama-50, kwaye ukuba akukho nto injalo-thatha inkulu. Ngoku vala amehlo akho. Yonke into yakho yazisiweyo ijolise kumandla akujikelezile. Yiqokelele ibhola. Ngomzuzwana ngamnye uyanda, umbala wayo uyakhanya kakhulu. Ngendlela, loluphi uhlobo lombala oza kufumana ibhola yakho yamandla - ayibalulekanga.
Yiphakamise ngaphezulu kwentloko yakho. Qala ishiya umzimba wakho ngaphakathi. Vula isango kwindawo yesithsaba. Kubalulekile ukuba ibhola ayiwanga. Kwindawo ye-thandexus ye-Solar. Uya kuziva iimvakalelo ezinqwenelekayo zomzimba wakho. Kodwa ungamvumeli ukuba atshintshe. Kufuneka ahlale eqaqambile.
Ngoku yonke into ekwindawo enye ye-SORXUS ikwindawo yokucinga. Kufuneka iphume. Yalathisa kwi-channote ephekiweyo. Izaliswe ngamandla. Iyakhanya, iqala ukuqaqamba. Ngoku jonga kwinto oyiyo. Kukho ulwandle lwemali. Baqokelelwa kwingxowa enkulu. Phosa kuyo uyilondoloziweyo. Ingxowa iyasasazeka, kwaye imali iqala ukuwa apho.
Ngomzuzwana ngamnye, uyangqubana ngakumbi, kwaye ukuhamba kwemali kuya kuhlala kusenokusebenza. Ukongeza kwiibhiliyoni zayo, ufumana imali engenamda. Uya kubukhulisa amatyala esidima esahlukileyo. Baqala ukubonakala kungekuphela nje ukusuka phezulu, kodwa nakuwo onke amacala. Zininzi zazo. Kodwa ufuna inani elithile eliyimfuneko kwinjongo ethile. . Sukukhathazeka, thatha nje eli nxalenye kule imvula kwaye ngoko nangoko uyipela kwinto esele icwangcisiwe ekuqaleni.
Ngeli xesha, imali iqhubeka igalela kuwe emlanjeni. Lindela la manzi axabisekileyo. Khumbula iimvakalelo zakho. Buyela kwinjongo yakho kwakhona kwaye ukhumbule ngokuchanekileyo inani elifanelekileyo. Ngaba sele uyiva indlela yokusebenza kwephupha? Lixesha lokuba ubuye. Khupha ibhola yakho yamandla ngesango elinye kwaye uyinyibilike emoyeni. Imali oyenzileyo, kuya kufuneka ubekwe ngaphakathi kwemini emva kokuphunyezwa kokucamngca. Chitha kuyo nayiphi na ivenkile.
Isixa ocinga ukuba kufanele sivele kungekudala. Kuya kufuneka ukuba uphumeze umsebenzi owongezelelweyo oya kunikezela ngequbuliso, unokufumana ipenshini, ilifa, uphumelele ilotto. Kodwa ungalibali ukuchitha le mali kwinto eyayicwangcisiwe ekuqaleni. Ngaphandle koko, kwixesha elizayo xa uza kuba nzima ngakumbi ukuba uvumelane nendalo.
Ungalukhohli, akayithandi, kwaye akaxoki, kukwimigaqo eyingozi kwimpilo.
"Umnyango weLizwe lobutyebi"
Vala amehlo akho kwaye ucinge ngomsindo ovaliweyo. Uyazi ukuba yindlela yokuchuma. Ngokwakhe imbonakalo yakhe ikuxelela ngayo. Njengamasango kwilizwe elihle, elidlula ngokukhawuleza. Kwaye apha umnyango ngequbuliso wafefa phambi kwakho. Ivula inkangeleko entle. Eli lilitha, ligqunywe ngamaxabiso emali kunye nempahla. Wonwabile ngovuyo.
Unokuhlanganisa kakhulu njengoko ufuna. Gcwalisa zonke iipokotho, thatha ezandleni zakho, uxhonywe entanyeni, emva koko umlenze wegolide entle. Lixesha lokuba ubuye. Nceda uqaphele ucango uhlala uvulekile. Ke, nangaliphi na ixesha onokubuyela kwaye uthathe kangangoko ufuna. Ngexesha nje elifutshane, zonke iingcango ezikhokelela kwinkqubela-phambili ziya kuqala ukuyeka ebomini bakho. Yilungiselele nje.
