Chifukwa chiyani ndinu osauka – psychology, zothandizira ndi zizolowezi

Nkhaniyi idapangidwa potengera zolemba zambiri kuchokera ku  njira ya Telegraph ya OpexBot , yowonjezeredwa ndi masomphenya a wolemba komanso malingaliro a AI. Psychology yaumphawi, chifukwa chiyani vuto limayamba ndi momwe limathetsedwera, ndiye chifukwa chiyani ndinu osauka, simunaganizire? Phunziro la zachuma.

Ndinu osauka chifukwa simukugwiritsa ntchito bwino zinthuzi.

Zida zinayi zomwe zimapangidwira bwino: unyamata, nthawi, mphamvu, chidziwitso . Pokhapokha pamabwera ndalama, odziwana nawo, mapiko amwayi … Ndikubwereza, nthawi ndi chuma chanu chachikulu. Perekani, chotsani, kapena sinthani ntchito zonse zosafunikira. Chidziwitso ndi chinthu chomwe chimakhala ndi inu nthawi zonse. Pompani – izi ndizofunikira. Unyamata ndi mphamvu zake zobadwa nazopindulani nazo. Osawopa kuyika moyo pachiswe, kulakwitsa, ndikulakwitsa. Konzani ndikuchitanso. Ntchito ndikuwulula zomwe mungathe mkati mwanu ndikukhazikitsa vekitala yoyenera yamphamvu. Ndikofunikira kumvetsetsa kuti zida zitha kusinthidwa kukhala wina ndi mnzake. Mwachitsanzo. Nthawi ndi mphamvu mu chidziwitso. Chidziwitso mu ndalama. Ndalama pa nthawi yake. Nthawi mu chidziwitso. Unyolo ukhoza kupitilizidwa. Muyenera kutembenuza gwero limodzi kukhala lina m’njira yoti mukhale ndi malire ovomerezeka kwa inu nokha. Palibe chifukwa chochitira zinthu zomwe zimakukhumudwitsani ndi kukukwiyitsani. Osataya nthawi yanu. Muyenera kudzaza moyo wanu ndi tanthauzo. Unyamata si wamuyaya, mphamvu zidzatha, ndipo nthawi idzapita. Mulibe mphamvu zochitira zinazake? Samalirani thupi lanu. Dziyeretseni nokha ndi madzi, tsitsani abs yanu, lembani masewera olimbitsa thupi. Onerani kanema wolimbikitsa, kukumana ndi munthu wabwino, sangalalani. Chitani zomwe zimakulimbikitsani panokha. ? Kusachitapo kanthu ndikuchitanso. Tonse tilibe nthawi yoti tichite kalikonse. Pamene simunachite izi, wina anali kutenga SBER kwa 100, ndi ndalama 50.

Aliyense amanong’oneza bondo zomwe sanachite, za mwayi wophonya.

Palibe nthawi? Chotsani zomwe 80% zopanda ntchito zomwe zimangowononga mphindi zamtengo wapatali. Chotsani chilichonse chosafunikira komanso chapoizoni m’moyo wanu. Anthu omwe amakukokerani pansi – mukuwafuna chifukwa chiyani? Gulani njinga, gulitsani TV, ikani kutsatira nthawi, chotsani malo ochezera.

Kupanda luso?

Ikani ndalama mwa inu nokha. Sinthani nthawi yanu yomasuka ndi mphamvu kukhala luso lanu. Lowani ku maphunziro, werengani buku lothandiza, sinthani luso lomwe lilipo polumikizana ndi anzanu. Lembetsani ku tchanelo ichi ndi blog. Palibe ndalama? Yambitsaninso unyolo, kubwerezabwereza, kuwongolera zotsatira zanu pa ulalo uliwonse wa unyolowu. Ndipo ndalama zoyamba zaulere zikawoneka, musagwiritse ntchito pa tinsel. Ikani ndalama, khalani pachiwopsezo chanzeru, pitilizani kudzikweza nokha komanso aliyense wakuzungulirani. Chitani zomwe mwakhala mukuzilakalaka. Mwachionekere pali chinachake chimene chingachitidwe pompano? Ndichifukwa chake ndinu osauka: https://youtu.be/g6m9qADnO9A

Nanga bwanji zowonongera?

Anthu ambiri akukumana ndi vuto laumphawi ndipo samvetsa chifukwa chake akukumana ndi vutoli. Atha kukhala ndi ntchito, ndalama, koma amafunikirabe kukhala ndi moyo kuchokera kumalipiro mpaka malipiro. N’chifukwa chiyani zimenezi zikuchitika? M’nkhaniyi, tiona zinthu zingapo zimene zikukuchititsani kusokonekera kwachuma komanso kukuthandizani kumvetsa chifukwa chake muli osauka. Chinthu choyamba komanso chodziwika bwino ndi mtengo. Anthu ambiri amawononga ndalama zambiri kuposa zomwe amapeza. Amagula zinthu zomwe sakuzifuna kapena zomwe sangakwanitse. Amakhala ndi makhadi ndi ngongole, zomwe zimangowonjezera vuto lawo lazachuma. Ngati mukufuna kupewa umphawi, m’pofunika kuphunzira kulamulira ndalama zanu ndi kugula zinthu mwanzeru.

Maphunziro ndi ntchito

Mfundo yachiwiri ndi maphunziro ndi ntchito. Anthu ena amasauka chifukwa chosowa maphunziro abwino kapena ntchito za malipiro ochepa. Ngati mulibe luso ndi maphunziro omwe akufunika pantchito, mwayi wanu wopeza malipiro okwera komanso kukhazikika kwachuma udzakhala wotsika kwambiri. Chifukwa chake, ndikofunikira kuyika ndalama pamaphunziro anu ndikukulitsa luso laukadaulo. M’nkhaniyi, tionanso zinthu zina monga kusowa kokonzekera bwino ndi kasamalidwe ka ndalama, kuyika ndalama mopanda nzeru komanso ngongole. Pomvetsetsa zifukwa za umphawi wanu, mukhoza kutenga njira zoyenera kuti musinthe mkhalidwe wanu wachuma ndikupeza bwino ndalama. Kenako, tisanthula chilichonse mwazinthu izi mwatsatanetsatane ndikupereka malingaliro othandiza kuti zinthu ziyende bwino.Msampha waumphawi[/mawu]

Zotsatira za maphunziro pazachuma

Maphunziro amathandiza kwambiri kuti munthu adziwe bwino pazachuma. Kafukufuku akuwonetsa kuti anthu omwe ali ndi maphunziro apamwamba amakhala ndi mwayi wopeza ntchito zolipira kwambiri komanso kupita patsogolo pantchito. Maphunziro apamwamba amathandizanso anthu kukhala ndi luso lofunikira komanso chidziwitso kuti athe kugwiritsa ntchito bwino ndalama zawo. Mwachitsanzo, maphunziro a zachuma, omwe nthawi zambiri amaphatikizidwa m’masukulu apamwamba, amathandiza anthu kukhala ndi luso lokonzekera bajeti, kusunga ndalama, ndi kuwongolera ngongole. Maluso amenewa angakhale ofunika kwambiri kuti munthu akhale ndi thanzi labwino. Kuphatikiza apo, maphunziro apamwamba amapereka mwayi wopeza ntchito zabwino komanso malipiro apamwamba. Anthu omwe ali ndi digiri ya bachelor kapena masters nthawi zambiri amakhala ndi mwayi wopeza ntchito zamalipiro apamwamba komanso maudindo apamwamba. Ntchito ya sayansi, ukadaulo, uinjiniya kapena bizinesi ikhoza kukhala chinsinsi chokulitsa ndalama zomwe mumapeza komanso kuti mukhale okhazikika pazachuma.

Komabe, ziyenera kuzindikirika kuti maphunziro paokha si chitsimikizo cha kupambana kwachuma.

Udindo Wazochita Zachuma Payekha Pomanga Chuma

Zizoloŵezi zaumwini zachuma zimagwira ntchito yofunika kwambiri pakupanga chuma kapena, mosiyana, umphawi. Nthawi zambiri anthu samazindikira kuti zochita zawo zachuma za tsiku ndi tsiku komanso zosankha zawo zitha kukhala ndi zotsatira zanthawi yayitali pazachuma chawo. Chimodzi mwa zizolowezi zomwe zingayambitse umphawi ndi kusasamalira bwino ndalama. Anthu ambiri amatsatira mfundo ya “kupeza ndi kuwononga,” osaganizira za mmene angasungire ndalama zawo. Kulephera kukonzekera kugwiritsa ntchito ndalama ndi kusunga ndalama zamtsogolo kumayika pachiwopsezo kukhazikika kwachuma. Chizoloŵezi china chofala chomwe chingayambitse umphawi ndicho kugwiritsa ntchito ngongole mopambanitsa. Anthu ambiri amadalira ndalama zobwereka kuti agule katundu kapena ntchito, osaganizira za chiwongoladzanja ndi ma komisheni, zomwe muyenera kulipira kuti mugwiritse ntchito ngongoleyo. Izi zingapangitse kuti ngongole ikhale yochuluka kwambiri kuti musamalipire. Ndiponso, zizoloŵezi zoipa zazachuma zingaphatikizepo kuwononga kaŵirikaŵiri ndi mosasamala pa zinthu kapena zosangalatsa zosafunikira.

Chikoka cha chikhalidwe chikhalidwe pa zachuma

Chimodzi mwa zifukwa zomwe anthu ambiri amathera paumphawi ndi chikoka cha malo omwe amakhala nawo pachuma chawo. M’chitaganya chamakono, kaŵirikaŵiri pamakhala chitsenderezo chotsatira miyezo ina ya kagwiritsidwe ntchito ka zinthu ndi kusonyeza mkhalidwe wa anthu mwa kuwononga ndalama. Anthu omwe ali ndi mabwenzi olemera kapena ogwira nawo ntchito akhoza kukakamizidwa kuti asamadye mofanana. Izi zingayambitse kuwononga ndalama mopitirira muyeso komanso kusayendetsa bwino ndalama. Mwachitsanzo, anthu amatha kutenga ngongole kapena kugwiritsa ntchito makhadi kuti agule zinthu zapamwamba zomwe sangakwanitse. Kuphatikiza apo, chilengedwe chingathenso kukhudza kusankha ntchito komanso kuchuluka kwa ndalama. Ngati anthu ambiri akuzungulirani ali ndi ntchito za malipiro ochepa kapena maphunziro ochepa, ndiye kuti mwayi wopeza ntchito yolipira kwambiri kapena kukulitsa ntchito yanu umachepa. Ndikofunika kuzindikira kuti chikoka cha chikhalidwe cha anthu sichiyenera kukhala chowiringula cha umphawi wa munthu. Munthu aliyense ali ndi mwayi wodzipangira yekha zisankho ndikuwongolera chuma chake.

Kufunika Kosamalira Ngongole Kuti Tipewe Umphawi

Kuwongolera ngongole kumathandiza kwambiri popewa umphawi. Kugwiritsa ntchito ngongole mopanda nzeru ndi kudzikundikira ngongole kungabweretse mavuto azachuma komanso kulepheretsa munthu kupeza bwino ndalama. Choyamba, malipiro a ngongole angakhale okwera kwambiri kwa munthu wopeza ndalama zochepa, zomwe zimapangitsa kuti achedwe kapena asathe kulipira. Izi zitha kubweretsa zilango ndi chiwongola dzanja, zomwe zingapangitse kuti chuma chiyipire. Chachiwiri, kukhala ndi ngongole zambiri kumapangitsa kukhala kovuta kupanga bajeti ndikusunga ndalama. Kubweza ngongole nthawi zonse kumatanthauza kuti gawo lalikulu la ndalama zomwe mumapeza mukuyenera kale kuchita izi, ndikusiya mwayi wosunga kapena kuyikapo. Komanso, Ngongole zambiri zimatha kusokoneza mbiri ya munthu. Izi zingapangitse kuti zikhale zovuta kupeza ngongole zatsopano kapena ngongole zanyumba ndipo zingasokoneze luso lanu lochita lendi kapena kupeza ntchito. Kusamalira ngongole moyenera kumaphatikizapo kugwiritsa ntchito ngongole mosamala, kulipira panthawi yake, ndi kuika zinthu zofunika pazachuma.

Kodi chinthu chamaganizo chimakhudza bwanji kukhazikika kwachuma?

Chimodzi mwa zifukwa za umphawi ndi chikoka cha zinthu zamaganizo pa kukhazikika kwachuma. Mmene timaonera ndalama komanso luso lathu lozisamalira zingakhudze kwambiri chuma chathu. Nthawi zambiri anthu omwe amavutika ndi ndalama zochepa kapena sangathe kusunga ndalama zokwanira amakhala ndi zopinga zina zamaganizo. Angakhale ndi maganizo osowa chochita, odziona ngati osafunika, kapena amaopa ndalama. Makhalidwe okhudzidwawa amatha kusokoneza kayendetsedwe kabwino ka zachuma ndikupangitsa zisankho zopanda pake. Kuonjezera apo, zizolowezi zoipa zachuma zingayambitsidwe ndi zifukwa zamaganizo. Mwachitsanzo, tingakhale okhoterera ku khalidwe la ogula ndi kufuna kukhutiritsa nthaŵi yomweyo, zimene zingatipangitse kuwononga ndalama zosafunikira ndi ngongole. Komanso, Kudalira makhadi a ngongole pafupipafupi kapena ndalama zobwereka kungasonyeze kuti simudziwa bwino za zachuma komanso simukumvetsa mmene mungasamalire ndalama zanu. Ndikofunika kumvetsetsa kuti zifukwa zamaganizo zimatha kugonjetsedwa ndi kusinthidwa.