Le ngxaki iqhelekileyo inokutshabalalisa amandla akho

Umxholo

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Ukukhathazeka malunga nabuphi na ubuncwane obunqabileyo kunokusebenzisa indawo yexabiso lobuchopho enokuthi ibekelwe amandla. Kodwa ukukhathazeka ngemali yeyona nto imbi kunazo zonke. Ukuphikisana ngokwengqondo malunga nendlela oza kuwenza ngayo amatyala akho, nokuba kungavalwa izixhobo zakho, okanye ukuba unganakho na ukubhatala into ebiza imali eninzi osandul 'ukuyithenga ibambelele kwinxalenye yengqondo elawula amandla. Oko kwenza ukucwangcisela ikamva kunye nokwenza izigqibo ezilungileyo kube nzima ngakumbi.

Isizathu 2: Iingxaki zemali zinciphisa amandla akho engqondo.

Ukwenza izinto zibe zibi nangakumbi, ukukhathazeka kwemali kunciphisa amandla akho okusombulula iingxaki. Ngokuqinisekileyo, amaxhala emali ayedityaniswa nokwehla kwe-IQ ngamanqaku ayi-9-14, kuxhomekeke kwimeko efundwayo. Ngaphandle kokwenza izigqibo nge-savvy, unokuzifumana uthatha imali mboleko ephezulu kwimali mboleko okanye usebenzisa imali yerenti ukulungisa imoto yakho. Ubomi buba yinto engxamisekileyo emva komnye.

Sihlala sigxeka amahlwempu ngokuzibangela ezazo iingxaki ngokusilela kwamandla. Kodwa ukuba ufunda olu phando lungentla, uyakubona ukuba, ngokubanzi, yayingekuko ukungabi namandla okubangela iingxaki zemali; Yinkathazo yemali ebangele ukungabikho kwamandla.

Isizathu 3: Ukuthatha izigqibo rhoqo kuyadla amandla.

Izifundo ezininzi zibonise ukuba "ukudinwa kwezigqibo" -ukuthatha isigqibo emva kwesinye-kuphelisa amandla. Ukudinwa kwesigqibo kuchaza ukuba kutheni sinamandla amancinci ekupheleni kosuku. Kwaye xa imali inqabile, zonke izigqibo ngezemali zinzima. Nokuba uhambo oluqhelekileyo oluya evenkileni luba luthotho lwezigqibo ezibuhlungu.

Isizathu 4: Uxinzelelo luphelisa amandla.

Zonke iintlobo zoxinzelelo zinokuphelisa amandla, kodwa iingxaki zemali zinokuba ngukumkani woxinzelelo. Iingxaki zemali zinokukhokelela kwiingxabano zosapho kunye nefuthe kwimpilo yengqondo. Ukucinezeleka kwengqondo esijamelene nako, amandla amancinci anokuzinikezela kulawulo lokuzibamba.

Into onokuyenza malunga neengxaki zakho zemali

Ngaba iingxaki zemali zonakalisa amandla akho kunye namandla akho? Ukuba kunjalo, ulibale indlela otya ngayo kwaye wenze utshintsho ebomini bakho bemali lube yeyona nto iphambili.

Ukuba nguwe onengxaki zemali, qaphela isigqibo soNyaka oMtsha esibandakanya isicwangciso esithile nesicacileyo malunga nendlela yokwenza ubomi bakho bezemali bungabi naxinzelelo. Umzekelo, ukuba ityala lekhadi letyala liyingxaki, nasi isicwangciso samanyathelo ali-10 sikaSuze Orman sokuyihlawula: Cofa apha uze uskrolele ezantsi uye “Ukuhlawula ityala.” Okanye unokwenza isicwangciso esiya kukunceda ugcine ngakumbi, ufumane ngaphezulu, okanye uchithe imali encinci.

Ukuba OTHANDIWEYO uneengxaki zemali kwaye awunalo, eli nqaku, "Eyona nto ifunwayo eStocking Stuffer - Imali," nguTara Siegel Bernard unikezela ngeendlela zokunceda. (Ukuba uneengxaki zemali, khumbula iqhalo malunga nokubeka imaski yeoksijini kuqala.) Cinga ngendlela yokunyusa ibhalansi yomntu ngaphandle kokuvumela indlela yokuziphatha echitheka.

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