Kutheni uhlwempuzekile – i-psychology, izibonelelo kunye nemikhwa

Inqaku lenziwe ngokusekelwe kuluhlu lwezithuba ezivela  kwitshaneli yeTelegram ye-OpexBot , eyongezwa ngumbono wombhali kunye nombono we-AI. I-psychology yentlupheko, kutheni le ngxaki ivela kwaye isonjululwe njani, ngoko kutheni uhlwempuzekile, awuzange ucinge? Isifundo sokufunda ngezimali.

Uhlwempuzekile kuba awuzisebenzisi ngokuchanekileyo ezi zixhobo.

Iintsika ezine zobutyebi ekwakhelwe phezu kwazo impumelelo: ulutsha, ixesha, amandla, ulwazi . Kuphela ke kuza imali, abaqhelana nabo, amaphiko enhlanhla … Ndiyaphinda, ixesha liyimpahla yakho enkulu. Yabela, shenxisa, okanye uzenzele yonke imisebenzi engabalulekanga. Ulwazi yi-asethi ehlala inawe. Pump up – oku kubalulekile. Ulutsha namandla alo endaloyenza okuninzi kuyo. Musa ukoyika ukuzifaka emngciphekweni, wenze iimpazamo, kwaye wenze iimpazamo. Lungisa kwaye wenze kwakhona. Umsebenzi kukuveza amandla akho ngaphakathi kuwe kwaye usete i-vector elungileyo yamandla. Kubalulekile ukuqonda ukuba izibonelelo ziyakwazi ukuguqulwa zibe enye kwenye. Umzekelo. Ixesha kunye namandla kulwazi. Ulwazi kwimali. Imali ngexesha. Ixesha kulwazi. Ikhonkco lingaqhubeleka. Kufuneka uguqule uvimba omnye ube komnye ngendlela yokuba ufumane ibhalansi eyamkelekileyo kuwe buqu. Akukho mfuneko yokwenza izinto ezikudandathekisayo nezikucaphukisayo. Musa ukuchitha ixesha lakho. Kufuneka uphile ubomi obunenjongo. Ubutsha abukho ngonaphakade, amandla aya kuphela, kwaye ixesha liya kudlula. Awunawo amandla okwenza into? Wunyamekele umzimba wakho. Zihlambe ngamanzi, umpompe i-abs yakho, ubhalisele indawo yokuzivocavoca. Bukela ividiyo ekhuthazayo, dibana nomntu olungileyo, wonwabe. Yenza into ekukhuthazayo buqu. ? Ukungenzi nto ikwasisenzo. Sonke asinaxesha lakwenza nto. Ngelixa wawungenzi oku, umntu wayethatha i-SBER nge-100, kunye ne-buck ye-50.

Wonke umntu uyazisola ngento angayenzanga, malunga namathuba alahlekileyo.

Akukho xesha? Susa ezo 80% ezingenamsebenzi kakhulu zezenzo ezidla nje imizuzu engenaxabiso. Susa yonke into engeyomfuneko kunye netyhefu ebomini bakho. Abantu abakutsalela phantsi – kutheni ubafuna? Thenga ibhayisekile, uthengise iTV, usethe ixesha lokulandela umkhondo, cima iinethiwekhi zentlalo.

Ukunqongophala kobuchule?

Tyala imali kuwe. Guqula ixesha lakho elikhululekileyo kunye namandla kwisakhono sakho. Bhalisela iikhosi, funda incwadi eluncedo, uphucule isakhono esele sikhona ngokunxibelelana nabalingane. Bhalisa kweli jelo kunye nebhlog. Akukho mali? Qala ikhonkco kwakhona, uphindaphinda ngokuphindaphinda, uphucula iziphumo zakho kwikhonkco ngalinye kweli khonkco. Kwaye emva kokuba imali yokuqala ibonakala, ungayisebenzisi kwi-tinsel. Tyala imali, thatha imingcipheko ekrelekrele, qhubeka nokuziphucula wena kunye nabo bonke abakungqongileyo. Yenza le nto kudala uyinqwenela. Ngokucacileyo kukho into enokwenziwa ngoku? Yiyo loo nto ulihlwempu: https://youtu.be/g6m9qADnO9A

Kuthekani ngeendleko?

Abantu abaninzi bajamelene nengxaki yobuhlwempu yaye abasiqondi isizathu sokuba bazibone bekule meko. Basenokuba nomsebenzi, umvuzo, kodwa kusafuneka baphile ukusuka kumvuzo ukuya kumvuzo. Kutheni kusenzeka oku? Kweli nqaku, siza kujonga izinto ezininzi ezinokuthi zibe negalelo ekubhidekeni kwakho kwezemali kwaye ziya kukunceda uqonde ukuba kutheni uhlwempuzekile. Into yokuqala kunye neyona nto icacileyo yindleko. Abantu abaninzi bachitha imali eninzi kunomvuzo wabo. Bathenga izinto abangazidingiyo okanye abangenakuzifikelela. Baphila ngamakhadi okuthenga ngetyala kunye nemali-mboleko, nto leyo eyenza imeko yabo yemali ibe mandundu. Ukuba ufuna ukuphepha intlupheko, kubalulekile ukufunda ukulawula indlela oyisebenzisa ngayo imali kwaye wenze ukuthenga ngobuchule.

Imfundo kunye nomsebenzi

Umba wesibini yimfundo nomsebenzi. Abanye abantu baphela bengamahlwempu ngenxa yokuba bengafundanga kakuhle okanye benemisebenzi ephantsi. Ukuba awunazo izakhono kunye nemfundo efunwayo kwimarike yomsebenzi, amathuba akho okufumana umvuzo ophezulu kunye nokuzinza kwezemali aya kuba sezantsi kakhulu. Ke ngoko, kubalulekile ukutyala imali kwimfundo yakho kunye nophuhliso lwezakhono zobungcali. Kweli nqaku, siza kujonga nezinye izinto ezifana nokunqongophala kocwangciso nolawulo lwemali, utyalo-mali olungekho bulumko kunye namatyala. Ngokuqonda izizathu zentlupheko yakho, unokuthatha amanyathelo ayimfuneko okutshintsha imeko yakho yezemali kwaye ufezekise impilo-ntle yemali. Okulandelayo, siya kuhlalutya nganye yezi zinto ngokweenkcukacha kwaye sinikeze iingcebiso ezisebenzayo zokuphucula imeko yakho.Umgibe wentlupheko[/caption]

Impembelelo yemfundo kwimpumelelo yezemali

Imfundo idlala indima ephambili ekumiseleni impumelelo yomntu ngokwasemalini. Uphando lubonisa ukuba abantu abanamanqanaba aphezulu emfundo banamathuba amaninzi okufumana imisebenzi ehlawula kakhulu kunye nokuqhubela phambili ngamakhondo. Imfundo ephakamileyo ikwaxhobisa abantu ngezakhono eziyimfuneko kunye nolwazi lokulawula iimali zabo ngokufanelekileyo. Ngokomzekelo, uqeqesho lokufunda ngezimali, oludla ngokuqukwa kwimfundo ephakamileyo, lunceda abantu bakhulise ubuchule bokwenza uqingqo-mali, ukutyala imali nokulawula amatyala. Ezi zakhono zinokuba yimfuneko ekuphumezeni impilo-ntle yezinto eziphathekayo. Ukongeza, imfundo ephakamileyo ibonelela ngokufikelela kumathuba emisebenzi angcono kunye nemivuzo ephezulu. Abantu abane-bachelor’s okanye isidanga senkosi bahlala benethuba elingcono lokufumana imisebenzi enemivuzo ephezulu kunye nezikhundla ezihloniphekileyo. Umsebenzi wesayensi, itekhnoloji, ubunjineli okanye ishishini unokuba ngundoqo ekwandiseni umvuzo wakho kunye nokuphumeza uzinzo lwezemali.

Nangona kunjalo, kufuneka kuqatshelwe ukuba imfundo ngokwayo ayisosiqinisekiso sempumelelo yemali.

Indima yeZiqhelo zeMali zoBuqu ekwakhiweni kobutyebi

Imikhwa yobuqu yezemali idlala indima ebalulekileyo ekubunjweni kobutyebi okanye, ngokuchaseneyo, ubuhlwempu. Abantu kaninzi abaqondi ukuba izenzo zabo zemali zemihla ngemihla kunye nezigqibo zinokuba nefuthe lexesha elide kwimeko yabo yezemali. Omnye wemikhwa ephambili enokukhokelela kwintlupheko kulawulo olulambathayo lwengeniso. Abantu abaninzi baphila ngomgaqo othi “barhole kwaye bachithe” ngaphandle kokucinga ngendlela abanokonga ngayo okanye bayityale imali yabo. Ukungaphumeleli ukucwangciswa kwenkcitho kunye nokugcina ixesha elizayo kubeka emngciphekweni ukufezekisa uzinzo lwemali. Omnye umkhwa oqhelekileyo onokubangela ubuhlwempu kukusebenzisa imali kakhulu ngetyala. Uninzi lwabantu luxhomekeke kwimali ebolekiweyo ukuthenga iimpahla okanye iinkonzo, ngaphandle kokucinga malunga nenzala kunye neekomishini, ekufuneka uyihlawule ukuze usebenzise imali-mboleko. Oku kunokukhokelela ekuqokeleleni kwetyala eliba likhulu kakhulu ukuba lingahlawuleka. Kwakhona, imikhwa emibi yemali inokuquka ukuchitha rhoqo nokungakhathali kwizinto ezingeyomfuneko okanye ukuzonwabisa.

Impembelelo yemo yentlalo kwimeko yezemali

Esinye sezizathu zokuba kutheni abantu abaninzi bephela behlwempuzekile yimpembelelo yendawo yabo yentlalo kwimeko yabo yezemali. Kuluntu lwanamhlanje, kuhlala kukho uxinzelelo lokulandela imigangatho ethile yokusetyenziswa kwaye ubonise isimo somntu ekuhlaleni ngokuchitha. Abantu abanabahlobo abatyebileyo okanye oogxa babo banokuziva becinezelekile ukugcina umgangatho ofanayo wokusebenzisa. Oku kunokukhokelela kwinkcitho egqithisileyo kunye nolawulo olulambathayo lwemali. Ngokomzekelo, abantu banokuboleka imali okanye basebenzise amakhadi okuthenga ngetyala ukuze bathenge izinto zobunewunewu abangenakuzifikelela. Ukongeza, indawo esingqongileyo inokuchaphazela ukhetho lomsebenzi kunye nenqanaba lengeniso. Ukuba uninzi lwabantu abakungqongileyo banemisebenzi ehlawula kancinci okanye banemfundo ephantsi, emva koko amathuba okufumana umsebenzi ohlawula imali eninzi okanye ukukhula kumsebenzi wakho ayancipha. Kubalulekile ukuqonda ukuba impembelelo yendawo yentlalo akufanele ibe sisingxengxezo sobuhlwempu bomntu. Wonke umntu unethuba lokuzenzela izigqibo nokulawula iimali zakhe.

Ukubaluleka kokuLawula iTyala ukuNqanda ubuhlwempu

Ukulawula amatyala kunendima ebalulekileyo ekuthinteleni ubuhlwempu. Ukusetyenziswa kakubi kweemali-mboleko kunye nokuqokelela iimbopheleleko zetyala kunokukhokelela kwiingxaki zemali kwaye kuthintele umntu ithuba lokuphucula imeko yakhe yemali. Okokuqala, iintlawulo zemali-mboleko zisenokuba phezulu kakhulu kumntu ofumana umvuzo ophantsi, nto leyo ekhokelela ekulibazisekeni okanye ekungakwazini ukuhlawula. Oku kunokukhokelela kwizohlwayo kunye neentlawulo zenzala, eziya kuthi mbi ngakumbi imeko yezemali. Okwesibini, ukuba namatyala amaninzi kwenza kube nzima ukwenza uqingqo-mali nokonga imali. Ukuhlawulwa rhoqo kweemali-mboleko kuthetha ukuba inxalenye ebalulekileyo yomvuzo wakho sele inyanzelekile ukuba iye kule njongo, ishiya indawo encinane yokonga okanye ukutyala imali. Ngaphandle koko, Amatyala aphezulu anokuba nempembelelo embi kwimbali yomntu yamatyala. Oku kunokwenza kube nzima ngakumbi ukufumana imali-mboleko entsha okanye imali-mboleko entsha kwaye kunokuchaphazela ukukwazi kwakho ukurenta okanye ukufumana umsebenzi. Ulawulo olululo lwetyala lubandakanya ukusebenzisa ikhredithi ngokuthembekileyo, ukuhlawula kwangexesha, kunye nokubeka izinto eziphambili ngemali.

Ingxaki yezengqondo ichaphazela njani uzinzo lwemali?

Esinye sezizathu zentlupheko yimpembelelo yeemeko zengqondo ekuzinzeni kwemali. Isimo sethu sengqondo malunga nemali kunye nokukwazi kwethu ukuyilawula kunokuba nefuthe kakhulu kwimeko yethu yemali. Ngokufuthi abantu abathwaxwa yimivuzo ephantsi okanye abangakwaziyo ukonga imali eyaneleyo banemiqobo ethile ngokwasengqondweni. Basenokuba neemvakalelo zokungabi nakuzinceda, ukungazithembi, okanye ukoyika imali. Ezi meko zovakalelo zinokuphazamisana nolawulo lwemali olululo kwaye zikhokelele kwizigqibo ezingasebenziyo. Ukongezelela, imikhwa emibi yemali inokubangelwa yimiba yengqondo. Ngokomzekelo, sisenokutyekela kwihambo yabathengi nomnqweno wokufuna ukwanelisa ngoko nangoko, nto leyo enokukhokelela ekusetyenzisweni kwemali ngokungeyomfuneko nasematyaleni. Kwakhona, Ukuxhomekeka rhoqo kumakhadi okuthenga ngetyala okanye kwiimali ezibolekiweyo kunokubonisa ulwazi oluphantsi lwemali kunye nokungaqondi indlela yokulawula imali yakho. Kubalulekile ukuqonda ukuba izinto zengqondo zinokoyiswa kwaye zitshintshwe.