Njengoba wazi, ayikho imali eningi, kepha ukuntuleka kwabo kwabantu bazizwa njengengxenye enkulu yabantu. Vele, ngaphandle kobunzima, ungakhiphi izinhlanzi echibini. Kepha ingabe sisesifisweni sethu kuphela sokusebenza? Ake sizame ukuthola ukuthi kuyini ukuzindla kwemali.
Ubuhlakani
Kukhona umzekeliso onjalo. Umuntu oyedwa wabuza uJehova nsuku zonke ngalokho wamnika ukuwina kwe-lottery. Ngandlela thile izingelosi zazisola ngalomuntu, futhi zeza kuNkulunkulu zizomcela. Wavele wakhathazeka futhi waphendula wathi wayesegcwaliseke isikhathi eside isicelo sokucaciswa, kodwa wayengeke athenge ithikithi le-lottery. Ngabe usuyithengile eyakho?
Kufakazelwe ukuthi imicabango inezakhiwo zokusebenzisa impahla. Uma wenza nsuku zonke ukhononda ukuthi ayikho imali ongalahla imali eholidini futhi uthenge ingubo yakho oyithandayo, uyakudla kuleso cafe esiseduze ekhoneni, uyangikholwa, kukhona okuzoshintsha empilweni yakho. Ukubeka inhlanhla empilweni, kufanele ulungiswe. Kunezindlela eziningi zokuzindla zokuheha imali. Banconyelwa futhi ukuthi basebenzise ukuyeka ukuphila "iholo kuya kumaholo." Futhi akudingeki nje ukukhuluma nsuku zonke "ngicebile," Lapha udinga indlela efanele.
Ungazindle kanjani?
Sizungezwe ukugeleza kwamandla, umsebenzi womuntu ukuqondisa imifudlana oyidingayo eceleni kwakho. Zama ukukukholwa, futhi uzoqonda ukuthi konke kuguquka kanjani. Ungavumeli umbono wokuthi awunawo imali, bese kuthi esikhwameni siyoyeka "ukuhamba komoya". Khumbula imishwana eminingana okufanele ibe yisiqubulo sempilo yakho:
Ngiyakufanelekela konke okuhle;
Ngizoceba;
Ngizothola uphondo lwami lwana.
Wena ngokwakho ngeke uqaphele ukuthi izinhlamvu zemali zizokwenqaba kanjani amasheke amakhulu.
Ukuzindla okudumile
Ngobukhulu, imithetho yokuzindla yokwamukela inzuzo ihluke kakhulu kwabanye. Into esemqoka ukukholelwa ukuthi konke okukule mpilo kungenzeka. Ukuwina eLottery, ngendlela, futhi. Uma ungazange uthenge ithikithi lakho, bese uzama enye yezindlela ezidumile zokuzindla ukuze usheshe inhlala-zezezimali, bese ngokushesha ziye kwilotho.
"Nginguzibuthe wemali"
Okokuqala lungiselela igumbi. Akufanele kushise, kungcono uma igumbi lisha. Ukunciphisa ukukhanya. Kufanele kube nokuthula okukuzungezile. Akukho okufanele kuphazamise. Kufaka phakathi imicabango yangaphandle. Hlala kahle. Nethezeka. Inhale umoya opholile okhokhiswa amandla.
Exhale - nazo zonke izinhlamba, ukucasuka, ukwesaba kukushiya . Futhi manje udlulisela engqondweni notshani obuluhlaza noma utshani. Yizwa ukuthi izinyoni zihlabelela kanjani, umfula nezihlahla zingumsindo. Thinta utshani, ubambe enye yaleyo mibala emihle ezungezile. Zizwe umoya opholile ofudumele. Le "insimu yakho yezimangaliso" (ukungadideki neqiniso lokuthi ezweni leziwula). Manje awuzwa nje kuphela umoya omusha, kepha futhi unephunga elimnandi lezimbali elikuzungezile, iphunga lekhofi elivela endlini yekhofi, eliphambene.
Abantu abaseduze kwakho kungenzeka ukuthi bakhulu kakhulu kunezifiso. Abazenqabe. Nawe kanye nabo. Uthola ithuba lokusebenzisa izinsiza ezingenamkhawulo. Ngaphezulu kwelanga. Wena isikhumba sizizwa sizizwa imisebe yakhe. Ukugeleza kancane kancane kuba yigolide. Uqala ukubola ngezigidi zemali zegolide. Bazophuma eduze kwakho. Kubukeka sengathi uyawadonsela.
Thatha ukuthi udinga malini. Masinyane qala ukusetshenziswa kwengqondo kwabo. Ngokudweba uhlu lokuthengile, ungakhohlwa ngezipho ezisondele. Uma ufisa, shiya inani elithile lokupha. Futhi qiniseka ukuthi utshela indawo yonke "Ngiyabonga" ngokukuvumela ukuba ube ngumnikazi walo lonke lengcebo. Manje "Buya."
Kepha qiniseka ukuthi uqhubeka njalo ukwenza njalo ukuhamba.
"Isihlahla Semali"
Okokuqala, dala inhlabathi ethandekayo ngenxa yosizi lwayo. Kufanele ukhululeke wedwa nawe. Cisha ifoni noma. Beka ukhululekile kunoma yisiphi isihlalo, usofa, uSihlalo. Isitulo sokuchibiyela ngeke silingane, kungcono kakhulu ukuphonsa. Kungekudala uzoceba futhi ukwazi ukuthenga okusha. Vala amehlo akho. Umzimba wakho kufanele uphumule. Imicabango yokubhubhisa. Ukuphefumula kwakho kuyalile.
Yenza ukuphefumula okujulile. Isikhathi sokuqala ukutshala isihlahla. Yini oyithandayo kakhulu - oki, maple, birch, i-spruce, i-rowan. Ukhethe? Manje ake sithi ungumhlambi lo. Umgogodla wakho uba isiqu sakhe, izandla - amagatsha, imilenze - izimpande eziqinile. Udonsela elangeni. Amaqabunga emagatsheni akho ayagqwala. Ushaye umoya omnandi.
Jabulela lesi simo ngokugcwele. Manje usuphendukela esihlahleni semali. Usukulungele ukuthatha amandla okuchuma nokuchichima. Imisebe yokukhanya kwelanga ikumboza ngegolide. Iqabunga ngalinye libonisa ama-radiance alo. Ugcwele la mandla ayigugu. Imifudlana yamanzi e-crust yenziwa ezimpandeni zakho. Wavusa ngokoqobo "konke okubi. Ugcwele amandla amasha ahlanzekile. Ungamvumeli ukuba ahambe.
Beka eyodwa ngegolide nemisebe endaweni yenhliziyo, i-turquoise, eyafika namanzi, ezansi kwesisu. Khumbula lo muzwa futhi uwugcine isikhathi eside ngangokunokwenzeka. "Ukuhlanganisa" imininingwane njalo ebuyela esihlahleni.
Zombili lezi zintambo zegolide ziyehlathi kuye ngesikhathi sokuzindla kwakho kanye nezikweletu zemali yonke imibala zizowela esikhwameni sakho kungekudala.
"Cornucopia"
Le ndlela yenzelwe imali esheshayo. Ukwenza udinga ukwenza okulandelayo. Hlalela Isimo esisebenziseka kalula kuwe. Khumbula, kuyo uzosebenzisa isikhathi eside impela. Manje Vala amehlo akho bese ucwilisa kancane kancane. Akufanele uphazamise imicabango yangaphandle. Umsebenzi wakho ukubheka ukujula kakhulu ongazi. Beka uhlamvu lwemali olungama-50-penny enkabeni yomzimba. Kufanele uyibone ngokucacile nangokucacile. Manje ake sithi le nkohliso iqala ukwanda. Enye ivela kuyo, bese futhi. Ngakho-ke kufanele uqoqe izinhlamvu zemali ezingama-20. Ziqoqe esitaki bese uzidonsela kuwe njengokugeleza komoya.
Yenza umoya ojulile kulokhu. Imali "Unephakethe." Masinyane qhubeka nokusebenzisa kwabo imali. Ongakukhetha ukwenza ukuthenga esitolo. Mhlawumbe uzobuyisela isikweletu noma ubanikeze abazali. Noma mhlawumbe umfana onesiginci esivela kunguquko, udlala kahle. Cishe umane ubabhale ngocingo lwe-charity. Futhi ungathenga umngani wakho owuthandayo. Yenza okuwumqondo wakho nje. Into esemqoka ukwethula le nqubo kuyo yonke imininingwane.
Lapho-ke uzodinga ukwenza into efanayo, kepha vele unesibopho esibaluleke kakhulu, ngokwesibonelo, ngombhalo we-banknote kuma-ruble ayi-10. Beka endaweni efanayo futhi futhi uqale ukumela ukuthi iphindaphindwa kanjani. Kufanele umbozwe ngemali. Zibuthene futhi futhi uhambe uyosebenzisa imali etholakele. Ngemuva kwalokho buyela ukuthola ingcebo entsha. Faka izikweletu ezilandelayo ngama-ruble angama-50 noma ama-100. Imali iphinda iqale 'ukukhiqiza' okufanayo nayo. Futhi lapha usuvele usehlathini lasekwindla, kuphela esikhundleni samaqabunga aphuzi onawo ngaphansi kwemilenze yamabhange. Uyabaqoqa. Bese uphinde uphinde uphinde uphinde uzenzele njenge-sip enkulu yomoya omusha.
Manje zama ukuqonda ukuthi iyiphi indawo yomzimba ayawa. Kulapha okuzoba yi-pantry yakho ngengcebo. Kungabukeka njengesikhwama noma iseli lasebhange, njengecala noma esifubeni. Akunandaba. Thatha kahle indawo lapho uthumela khona imithwalo yakho ngokulandelana, ubukeke kahle, hlola ukuthi akukho ngcindezelo kuyo lapho imali ingandiza khona. Uma ezinye izimbobo nemifantu kutholakele - zikufake ngokushesha.
Khumbula, "khuluma" woMgcinimafa wakho. Futhi manje thatha konke kusuka lapho uhambe uyosebenzisa eVilla ngasolwandle, i-limousine ye-chic, ijazi loboya, ubucwebe ngamadayimane. Uyokwanela konke. Ekupheleni kokuzindla, gcwalisa i-pantry yakho futhi ukuze ubuye lapho. Lo mkhuba uzothumela ukuqonda kwakho ngomuzwa wenhlala-kahle yezezimali. Ngakho-ke zizwe ukhululekile ukuya e-lottery bese uhlola imeyili, awukafiki isimemo sokusebenzisa iphupho lakho?
"Ukungena kwemali"
Susa ezinye izikweletu esikhwameni. Ilungele inzuzo encane yama-ruble angama-50, futhi uma kungekho nto enjalo - thatha omkhulu. Manje vala amehlo akho. Konke ukuqaphela kwakho kuqondiswe emandleni akuzungezile. Uyiqoqe ebholeni. Ngokwesibili ngakunye kuyanda, umbala wayo usukhanya kakhulu. Ngendlela, ukuthi hlobo luni lombala oluzothola ibhola lakho lamandla - akubalulekile.
Yivuse ngenhla kwekhanda lakho. Qala ukushiya umzimba wakho ngaphakathi. Vula isango endaweni yomqhele. Kubalulekile ukuthi ibhola lingawa. Endaweni yeSolar Plexus iyakumisa. Uzozwa imizwa emnandi azoletha emzimbeni wakho. Kepha ungamvumeli ukuba ashintshe. Kumele ahlale ekhanyayo.
Manje yonke into esifundeni esifanayo seSolar Plexus ibekwe umcibisholo ongacabangi. Kufanele iphume. Iqondise ku-BASKNOTE ephekiwe. Igcwele namandla. Kuba nzima, kuqala kukhazimula. Manje gxila kulokho wena. Kukhona ulwandle lwemali. Ziqoqiwe esikhwameni esikhulu. Phonsa kuLo bill yakho ekhokhisiwe. Isikhwama sasakazeka, futhi imali iqala ukuwa lapho.
Ngamunye umzuzwana, ushesha waba namandla ngokwengeziwe, futhi ukugeleza kwemali kuya ngokuya kunomusa. Ngaphezu kwezikweletu zayo, uthola inani elingenamkhawulo lemali. Uzovuselela izikweletu zesithunzi esihlukile. Baqala ukuvela hhayi kusuka phezulu kuphela, kodwa futhi kusuka kuzo zonke izinhlangothi. Kunenqwaba yazo. Kepha udinga inani elithile elidingekayo kwinhloso ethile. . Musa ukugcwala, thatha le ngxenye kuphela kule mvula bese usipela ngokushesha lokho obekuhlelwe ekuqaleni.
Ngaleso sikhathi, imali iyaqhubeka nokuthululela ngawe ngasemfuleni. Linda la manzi ayigugu. Khumbula imizwa yakho. Buyela egoli lakho futhi futhi ukhumbule ukuthi liyini inani elikuthandayo. Ngabe usuvele uzizwe indlela yokusebenza kwamaphupho? Isikhathi sokubuya. Khipha ibhola lakho lamandla ngesango elifanayo bese ulichitha emoyeni. Imali oyikhokhile, kufanele ubeke ukusakazwa kungakapheli usuku ngemuva kokuqaliswa kokuzindla. Zichithe kunoma yisiphi isitolo.
Inani olicabanga ukuthi kufanele livele esikhathini esizayo esiseduze. Kungadingeka ukuthi ugcwalise umsebenzi owengeziwe wokuthi uzonikela ngokuzumayo, ungathola impesheni, ifa, uwine ilotho. Kepha ungakhohlwa ukusebenzisa le mali kulokho obekuhlelwe ekuqaleni. Ngaphandle kwalokho, ngokuzayo lapho uzoba nzima kakhulu kuwe ukuvumelana nendawo yonke.
Ungayikhohlisi, akayithandi, futhi akaqambi amanga, kungumgomo omkhulu enhlalakahleni.
"Umnyango emhlabeni wengcebo"
Vala amehlo akho bese ubona umnyango ovaliwe. Uyazi ukuthi kuyindlela eya ekuchumeni. Ukuvela kwakhe kukutshela ngakho. Kufana namasango emhlabeni omuhle, odlula ukukhanya kwemilingo okuncane. Futhi lapha kwafafazwa kungazelelwe phambi kwakho. Kuvula ukubukeka okuhle. Lokhu kungumbala okhazimulayo, ombozwe yizikweletu zezimali namagugu. Ukhungathekile ngenjabulo.
Ungahlanganisa okuningi ngendlela oyifunayo. Gcwalisa wonke amaphakethe, uthathe ezandleni zakho, ulengiswe entanyeni, bese kuba nomgexo omuhle wegolide. Isikhathi sokubuya. Uyacelwa ukuthi uqaphele ukuthi umnyango uhlala uvulekile. Ngakho-ke, nganoma yisiphi isikhathi lapho ungabuya futhi uthathe okuningi njengoba udinga. Esikhathini esifushane, yonke iminyango eholela ekuchumeni izoqala ukuhlukana empilweni yakho. Vele uzilungiselele.
