Kuki uri umukene – psychologiya, umutungo n’ingeso

Ingingo yashizweho hashingiwe ku ruhererekane rw’inyandiko ziva ku  muyoboro wa Telegramu wa OpexBot , zunganirwa n’icyerekezo cy’umwanditsi n’ibitekerezo bya AI. Imitekerereze yubukene, kuki ikibazo kivuka nuburyo gikemurwa, none kuki uri umukene, ntiwatekereje? Isomo ryo gusoma no kwandika.

Urakennye kuko udakoresha neza umutungo.

Inkingi enye zinkunga zubakiyeho: urubyiruko, igihe, imbaraga, ubumenyi . Gusa noneho haza amafaranga, abo tuziranye, amababa yamahirwe … Ndabisubiramo, igihe numutungo wawe ukomeye. Tanga, ukureho, cyangwa uhindure imirimo yose idafite akamaro. Ubumenyi numutungo uhorana nawe. Kuramo – ibi ni ngombwa. Urubyiruko n’imbaraga zarwokoresha neza. Ntutinye gufata ibyago, gukora amakosa, no gukora amakosa. Ikosore kandi wongere ubikore. Inshingano nuguhishura ubushobozi bwawe muri wewe no gushiraho icyerekezo gikwiye cyimbaraga. Ni ngombwa kumva ko umutungo ushobora guhindurwamo. Kurugero. Igihe n’imbaraga mubumenyi. Ubumenyi mumafaranga. Amafaranga ku gihe. Igihe cyubumenyi. Urunigi rushobora gukomeza. Ugomba guhindura umutungo umwe mubindi muburyo bwo kubona impirimbanyi zemewe nawe kugiti cyawe. Ntibikenewe ko ukora ibintu bigutesha umutwe kandi bikakurakaza. Ntugatakaze umwanya wawe. Ugomba kuzuza ubuzima bwawe ibisobanuro. Urubyiruko ntiruhoraho, imbaraga zizarangira, kandi igihe kizashira. Ntabwo ufite imbaraga zo gukora ikintu? Witondere umubiri wawe. Witondere amazi, pompa ibibari byawe, iyandikishe muri siporo. Reba videwo itera inkunga, uhure numuntu mwiza, ugire igisasu. Kora ikintu kigutera imbaraga kugiti cyawe. ? Kudakora nabyo ni ibikorwa. Twese ntabwo dufite umwanya wo gukora ikintu. Mugihe utarimo ukora ibi, umuntu yatwaraga SBER 100, n’amafaranga 50.

Umuntu wese aricuza ibyo atakoze, kubyerekeye amahirwe yabuze.

Nta gihe? Kuraho ibyo bidafite akamaro cyane 80% byibikorwa bimara iminota itagereranywa. Kuraho ibintu byose bitari ngombwa kandi bifite uburozi mubuzima bwawe. Abantu bagukurura – kuki ubakeneye? Gura igare, kugurisha TV, shiraho igihe cyo gukurikirana, gusiba imbuga nkoranyambaga.

Kubura ubushobozi?

Shora wenyine. Hindura umwanya wawe n’imbaraga zawe mu buhanga bwawe. Iyandikishe mumasomo, soma igitabo cyingirakamaro, utezimbere ubuhanga buriho binyuze mubiganiro na bagenzi bawe. Iyandikishe kuri uyu muyoboro na blog. Nta mafaranga? Ongera utangire urunigi, itera kubisubiramo, kunoza ibisubizo byawe kuri buri murongo. Kandi nyuma yuko amafaranga yambere yubusa agaragaye, ntukayakoreshe kuri tinsel. Gushora imari, fata ibyago byubwenge, komeza witezimbere hamwe nabantu bose bagukikije. Kora ibyo warose kuva kera. Biragaragara ko hari ikintu gishobora gukorwa nonaha? Niyo mpamvu uri umukene: https://youtu.be/g6m9qADnO9A

Bite ho ku bijanye n’amafaranga yakoreshejwe?

Abantu benshi bahura nikibazo cyubukene kandi ntibashobora kumva impamvu basanga muri ibi bihe. Bashobora kuba bafite akazi, amafaranga yinjiza, ariko baracyabaho kuva kumushahara kugeza kumushahara. Kuki ibi bibaho? Muri iki kiganiro, tuzareba ibintu byinshi bishobora kugira uruhare mu ihungabana ry’amafaranga kandi bizagufasha kumva impamvu ukennye. Ikintu cya mbere kandi kigaragara ni ikiguzi. Abantu benshi bakoresha amafaranga arenze ayo binjiza. Bagura ibintu badakeneye cyangwa badashobora kubona. Batuye ku makarita y’inguzanyo no kuguriza, ibyo bikaba byongera ubukungu bwabo. Niba ushaka kwirinda ubukene, ni ngombwa kwiga kugenzura amafaranga ukoresha no kugura ubwenge.

Uburezi n’umwuga

Ikintu cya kabiri ni uburezi n’umwuga. Abantu bamwe barangiza bakennye kuko badafite uburere bwiza cyangwa bafite akazi gahembwa make. Niba udafite ubumenyi nuburere bukenewe ku isoko ryakazi, amahirwe yawe yo kubona umushahara munini hamwe nubukungu bwamafaranga azaba make cyane. Kubwibyo, ni ngombwa gushora imari mu myigire yawe no guteza imbere ubumenyi bwumwuga. Muri iki kiganiro, tuzareba kandi ku bindi bintu nko kubura igenamigambi n’imicungire y’imari, ishoramari ridahwitse n’umwenda. Mugusobanukirwa nimpamvu zubukene bwawe, urashobora gufata ingamba zikenewe kugirango uhindure imiterere yubukungu kandi ugere kumibereho myiza. Ibikurikira, tuzasesengura buri kintu muribi kandi tunatanga inama zifatika zo kunoza imiterere yawe.Umutego w’ubukene [/ caption]

Ingaruka z’uburezi ku gutsinda kw’amafaranga

Uburezi bufite uruhare runini mu kumenya intsinzi yumuntu. Ubushakashatsi bwerekana ko abantu bafite amashuri makuru bafite amahirwe menshi yo guhembwa menshi no guteza imbere umwuga. Amashuri makuru kandi aha abantu ubumenyi nubumenyi bukenewe bwo gucunga neza imari yabo. Kurugero, amahugurwa yo gusoma no kwandika yimari, akenshi ashyirwa mumashuri makuru, afasha abantu guteza imbere ubumenyi mugutegura ingengo yimari, gushora imari, no gucunga imyenda. Ubu buhanga burashobora kuba ingenzi kugirango ugere kumibereho myiza. Byongeye kandi, amashuri makuru atanga amahirwe yo kubona akazi neza nu mushahara munini. Abantu bafite impamyabumenyi y’icyiciro cya kabiri cya kaminuza cyangwa icyiciro cya kabiri cya kaminuza akenshi bafite amahirwe menshi yo kubona akazi bafite umushahara munini n’imyanya ikomeye. Umwuga mubumenyi, ikoranabuhanga, ubwubatsi cyangwa ubucuruzi birashobora kuba urufunguzo rwo kongera amafaranga no kugera kumafaranga.

Ariko, twakagombye kumenya ko uburezi ubwabwo atari garanti yiterambere ryamafaranga.

Uruhare rw’ingeso z’umutungo bwite mu kubaka ubutunzi

Ingeso yimari yumuntu igira uruhare runini mugushinga ubutunzi cyangwa, ubukene. Abantu akenshi ntibatahura ko ibikorwa byabo byubukungu bya buri munsi nibyemezo byabo bishobora kugira ingaruka ndende mubibazo byubukungu. Imwe mu ngeso nyamukuru zishobora gutera ubukene ni imicungire mibi yinjiza. Abantu benshi babaho bakurikiza ihame rya “gushaka no gukoresha”, badatekereza uburyo bashobora kuzigama cyangwa gushora amafaranga yabo. Kudateganya gukoresha amafaranga no kuzigama ejo hazaza bibangamira kugera ku ihungabana ry’amafaranga. Indi ngeso isanzwe ishobora gutera ubukene ni ugukoresha inguzanyo cyane. Abantu benshi batunzwe namafaranga yatijwe kugirango bagure ibicuruzwa cyangwa serivisi, badatekereza inyungu na komisiyo, ugomba kwishyura kugirango ukoreshe inguzanyo. Ibi birashobora gutuma habaho kwegeranya imyenda iba myinshi cyane kugirango yishyure. Na none, ingeso mbi zamafaranga zirashobora gukoreshwa kenshi kandi utitaye kubintu bidakenewe cyangwa imyidagaduro.

Влияние социального окружения на финансовое положение

Imwe mumpamvu zituma abantu benshi barangira mubukene ningaruka zimibereho yabo mubibazo byubukungu. Muri societe igezweho, akenshi usanga hariho igitutu cyo gukurikiza ibipimo bimwe na bimwe byo gukoresha no kwerekana imibereho yumuntu binyuze mu gukoresha. Abantu bafite inshuti cyangwa abakire bakize barashobora kumva igitutu cyo gukomeza urwego rumwe rwo kurya. Ibi birashobora gutuma ukoresha amafaranga menshi hamwe nubuyobozi bubi bwimari. Kurugero, abantu barashobora gufata inguzanyo cyangwa gukoresha amakarita yinguzanyo kugirango bagure ibintu byiza badashobora kugura. Byongeye kandi, ibidukikije birashobora no guhindura guhitamo umwuga no kurwego rwinjiza. Niba abantu benshi hafi yawe bafite akazi gahembwa make cyangwa bafite amashuri make, noneho amahirwe yo kubona akazi gahembwa menshi cyangwa gutera imbere mumirimo yawe aragabanuka. Ni ngombwa kumenya ko ingaruka z’imibereho idakwiye kuba urwitwazo rwubukene. Umuntu wese afite amahirwe yo kwifatira ibyemezo no gucunga imari ye.

Akamaro ko gucunga imyenda kugirango wirinde ubukene

Gucunga imyenda bigira uruhare runini mu gukumira ubukene. Gukoresha nabi inguzanyo no kwegeranya imyenda birashobora gukurura ibibazo byamafaranga kandi bikabuza umuntu amahirwe yo kuzamura ubukungu bwe. Ubwa mbere, kwishyura inguzanyo birashobora kuba byinshi cyane kubantu binjiza amafaranga make, bigatuma batinda cyangwa badashobora kwishyura. Ibi birashobora kuganisha ku bihano n’amafaranga y’inyungu, bizarushaho kuba bibi mubukungu. Icya kabiri, kugira amadeni menshi bituma bigora bije no kuzigama amafaranga. Kwishyura inguzanyo bisanzwe bivuze ko igice kinini cyamafaranga winjiza asabwa kujya kuriyi ntego, hasigara umwanya muto wo kuzigama cyangwa gushora imari. Uretse ibyo, Amadeni menshi arashobora kugira ingaruka mbi kumateka yinguzanyo yumuntu. Ibi birashobora gutuma bigorana kubona inguzanyo nshya cyangwa inguzanyo kandi birashobora kugira ingaruka kubushobozi bwawe bwo gukodesha cyangwa kubona akazi. Gucunga neza imyenda bikubiyemo gukoresha inguzanyo neza, kwishyura ku gihe, no gushyira imbere amafaranga.

Как психологический фактор влияет на финансовую стабильность

Imwe mu mpamvu zitera ubukene ni ingaruka ziterwa na psychologiya kumafaranga adahungabana. Imyitwarire yacu kumafaranga nubushobozi bwacu bwo kuyacunga birashobora guhindura cyane mubukungu bwacu. Akenshi abantu bafite ibibazo buke cyangwa badashobora kuzigama amafaranga ahagije bafite inzitizi zimwe na zimwe zo mumitekerereze. Bashobora kugira ibyiyumvo byo kutagira gitabara, kwiyubaha gake, cyangwa gutinya amafaranga. Ibi byamarangamutima birashobora kubangamira imicungire myiza yimari kandi biganisha kumyanzuro idahwitse. Byongeye kandi, ingeso mbi zamafaranga zishobora guterwa nimpamvu zo mumitekerereze. Kurugero, dushobora kuba dukunda imyitwarire yabaguzi no kwifuza guhazwa ako kanya, bishobora kuganisha kumikoreshereze idakenewe hamwe nideni. Nanone, Kwishingikiriza kenshi ku ikarita y’inguzanyo cyangwa amafaranga yatijwe birashobora kwerekana ubumenyi buke mu bijyanye n’amafaranga no kudasobanukirwa uburyo bwo gucunga amafaranga yawe. Ni ngombwa kumva ko ibintu byo mumitekerereze bishobora kuneshwa no guhinduka.