Ndalama zingati zofunika pachimwemwe - manambala ndi zowona
Anthu ambiri amene amachita zinthu mosamala kwambiri amadzifunsa kuti: Kodi pamafunika ndalama zingati kuti munthu akhale wosangalala ndipo zimatenga ndalama zingati kuti asangalale ku Russia? M'malo mwake, poyesa kupeza yankho lake, anthu ophunzira zachuma amaphunzira kukhala ndi zolinga ndikuzikwaniritsa.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
❕ Komabe, ndikofunikira kukumbukira: Kulakalaka kwambiri chuma kungapangitse munthu adzakhala osasangalala... Chifukwa chake, ndikofunikira kuzindikira momwe chisangalalo chimayezedwera komanso kuchuluka kwa ndalama zomwe zingakhutiritse moyo wanu.
Ponena za ndalama zingati zofunika kuti mukhale osangalala komanso zomwe chisangalalo cha munthu chimadalira pazonse - werengani nkhaniyi
1. Chuma chokomera chuma 💰
Tsoka ilo kwa anthu ambiri amakono ndalama ndizofunika kwambiri pamoyo. Amayesetsa kudziunjikira ochuluka momwe angathere. Komabe, anthu oterewa saganiza Kodi adzakondwera ndi izi?.
Ngati cholinga cha munthu ndi chuma chifukwa cha chuma, zowonadi, palibe ndalama zomwe zingakhale zokwanira kuti iye akhale wosangalala. Ndalama sizingayesedwe ngati chimwemwe chenicheni. M'malo mwake, ndalama ndi chida chokha chomwe chimakuthandizani kupeza zomwe mukufuna. Ngati munthu akhazikitsa cholinga, zimakhala zosavuta kuti amvetsetse kuchuluka kwa ndalama zomwe angafunike kuti akhale wosangalala.
Kuti musangalale ndi ndalama, muyenera kuchita chotsani machitidwe owunjikira... Kudzipezera chuma basi nthawi zonse kumakhala kopanda tanthauzo.
💡 Ndalama zimabweretsa chisangalalo pokhapokha zikagwiritsidwa ntchito pokwaniritsa zokhumba zake. Timalimbikitsanso kuwerenga nkhani yathu - "Momwe mungasungire ndalama."
Pamapeto pake, zimadalira momwe ndalama zidzagwiritsidwire ntchito ngati munthu angathe kukhala wosangalala.
2. Ludzu lodyedwa 💳
Masiku ano, sikuti kugula konse kwa munthu kumatha kumubweretsera phindu. Sizinthu zonse zomwe zapezeka zimagwiritsidwa ntchito m'moyo. Zinthu zambiri zimangotaya zovala zosawerengeka. Zikuwoneka ludzu lopanda tanthauzo lakumwa... Anthu ambiri amachita mopanda nzeru zofuna zawo zonse. Nthawi yomweyo, samayesa ngakhale kumvetsetsa kufunika kwake.
Nthawi yomweyo, zaka makumi angapo zapitazo, malingaliro azandalama anali osiyana kwambiri. Sanali china chopanda chomwe sichikanatheka kupeza chisangalalo. Anthu amamva bwino, ngakhale malipiro omwe amalandira amangokwanira zinthu zochepa chabe.
Kuti mumve zambiri za mbiri, ntchito ndi mitundu ya ndalama, werengani nkhani yathu yomaliza - "Ndalama ndi chiyani".
M'magulu amakono, mawonedwe adziko asintha kwathunthu. Opanga ndi ogulitsa zinthu zosiyanasiyana akuyesera m'njira iliyonse kuti alimbikitse chidwi cha ogula kuti azigwiritsabe ntchito. Amakopa makasitomala kutsatsa, ma CD okongola, komanso mitundu yonse ntchito zotsatsa.
3. Kodi kuchuluka kwa ndalama zomwe zimapezeka kumakhudza kumverera kwachimwemwe?
Funso loti chisangalalo cha munthu chimadalira kuchuluka kwa ndalama zomwe ali nazo sizifunsa nzika wamba, komanso asayansi.
Wofufuza yemwe dzina lake ndi Tang, kafukufuku adachitika. Cholinga chake chinali kumvetsetsa momwe anthu amagwirizira ndi ndalama.
Mapeto ake adapeza kuti anthu olemera sasangalala chifukwa ali ndi ndalama zambiri. Amapeza chisangalalo chamakhalidwe pochita bwino. Nthawi yomweyo, iwo omwe ali ndi ndalama zokwanira zopezera zosowa zawo amafuna kukhala olemera kuti akwaniritse chitonthozo ndipo chitetezo... Werengani zambiri zamomwe mungakhalire olemera ndikuchita bwino munkhaniyi.
Tang adazindikira kuti kulumikizana kwachindunji pakati pa chisangalalo ndi kuchuluka kwachuma kulibe... Kafukufukuyu atachitika, zinawonekeratu kuti chisangalalo cha anthu chimadalira pazinthu zambiri. Zikuluzikulu zimaperekedwa patebulo pansipa.
Tebulo: "Peresenti yazinthu zosiyanasiyana zakusangalatsa kwaumunthu"
| Zochitika | Peresenti ya omwe adayankha omwe amawaona kuti ndi ofunikira kuti akhale osangalala |
| Zosangalatsa, zosangalatsa komanso luso | 44 % |
| Achibale | 41 % |
| Moyo wapamwamba | 39 % |
| Ntchito imagwirizana ndi zosangalatsa | 37 % |
| Anzanu | 35 % |
| Kukondana | 34 % |
| Zaumoyo | 25 % |
Koma musaganize kuti kusakhalapo kwa ubale wachindunji pakati pa ndalama ndi chisangalalo kumatanthauza kuti malingaliro a munthu samadalira kukhala bwino kwachuma.
4. Kodi ndichifukwa chiyani munthu amaona kuti kukhala ndi chuma ndi chuma chamtengo wapatali?
Nthawi zambiri, anthu amayesetsa kupeza ndalama momwe angathere, popeza ali ndi zosowa zina zomwe sizinakwaniritsidwe. M'malo mwake, malingaliro pankhani yachuma amakula adakali aang'ono. Iwo omwe amakakamizidwa kukhala muumphawi muubwana, akamakula, amadalira kwambiri ndalama.
Choyamba, malingaliro a anthu pankhani yachuma amakhudzidwa ndi:
- malingaliro a makolo;
- chikhumbo chokhala bwino kuposa ena, chomwe chimabwera chifukwa cha mpikisano pakati pa anthu olemera ndi osauka;
- zamakhalidwe abwino komanso malingaliro azipembedzo.
Pali mtundu wina: kukweza kwake kusakhutira own, ndipamene ↑munthu amamvera ndalama. Komabe, atalandira ndalama zomwe amafunazo, nthawi zambiri amakhumudwa.
Kufuna kukhala ndi chuma popanda cholinga chenicheni ndi chisonyezo cha zovuta zingapo. Ichi ndichifukwa chake kuti mukwaniritse chisangalalo, muyenera kudzimvetsetsa ndikuthana ndi mavuto omwe alipo kale.
Nthawi zambiri, kufunitsitsa chuma kumafotokozedwa ndi zikhumbo izi:
- kupeza ufulu ndi kudzidalira;
- kukwaniritsa chikondi ndi chisamaliro;
- kumverera kwachitetezo;
- kupeza mphamvu.
5. Momwe mungapezere chimwemwe posintha momwe mumaonera ndalama 📑
Kuwonetsetsa ndalama, munthu sangakhale wachimwemwe. Ndiye chifukwa chake, kuti mukhale osangalala, muyenera kusintha momwe mumaganizira. Izi zikuthandizani kukwaniritsa mgwirizano ndi inu nokha komanso ndi akunja.
Koma ndikofunikira kuyang'anitsitsa pazomwe zimakhalira. Mwanjira ina, simungathe kutengera kwathunthu machitidwe a anthu ena, ndipo koposa pamenepo, lingalirani monga iwo. Aliyense amawona chisangalalo chake m'njira yake. Pokonzekera chuma, pali kuthekera kuti zinthu zofunika kwambiri sizizindikira.
Zachidziwikire, ambiri angatsutse, kutsutsa: ndizosatheka kukhala opanda ndalama. Inde ndi zoona, koma ziyenera kukumbukiridwa chani ndalama sizachimwemwe, ndi njira chabe yokwaniritsira izi.
6. Zomwe kafukufuku akunena za kuchuluka kwa ndalama zofunika kukhala osangalala 📈
Munthu nthawi zonse amayesa kuyeza kuchuluka kwa chisangalalo chake, ndikuchiphatikiza ndi kuchuluka kwachuma. Asayansi nawonso ali ndi chidwi ndi nkhaniyi. Komabe, samalingalira kuyambira pachiyambi, koma amayesa kuchita ndi zowona. Ndicho chifukwa chake kuchuluka kwakukulu kwa kafukufuku wamakono waperekedwa ku funso ili: ndalama zingati zomwe munthu amafunikira kuti akhale wosangalala.
Mwa maphunziro aposachedwa, wina akhoza kuwunikira zomwe zimachitika ndi tsambalo Superjob... Izi zimapangidwa kuti zizisaka ntchito. Cholinga cha kafukufukuyu ndikumvetsetsa momwe anthu iwowo amaganizira kuchuluka kwa ndalama zomwe amafunikira.
Phunzirolo lidakhudzidwa 2 500 anthu omwe amakhala m'malo osiyanasiyana ku Russia. Zotsatira zake, ndalama zomwe nzika zimawona kuti ndizokwanira zinali 184,000 ma ruble... Komanso, yomaliza 2 chizindikirocho chidakula ↑ ndi 9 000 Ma ruble.
Nthawi yomweyo, kuchuluka kwa ndalama zofunika chisangalalo m'magawo osiyanasiyana kumasiyana kwambiri. Chifukwa chake, ku Moscow, ndalamazo zili pafupifupi 20, ndi ku St. Petersburg - pafupifupi 30 zikwi pamwambapa.
Kafukufukuyu adawonetsa kuti okhala mdera lalikulu amafunika ndalama zambiri kuti akhutiritse. Izi ndichifukwa choti m'mizinda ikuluikulu mitengo ya nyumba ndiyokwera ↑, ndipo mwayi ndiwofalikira.
- Ponena za umphawi, omwe adachita nawo kafukufukuyu adalongosola malire ake pamlingo Ma ruble 20,000 pamwezi.
- Anthu ambiri amaganiza kuti anthu olemera ndi omwe amalandila oposa 400,000 pamwezi.
Pakufufuza, zidawonekeranso kuti kuchuluka kwa ndalama zofunika kuti munthu akhale wachimwemwe, kuwonjezera pa komwe amakhala, kumakhudzidwa ndi zinthu zina:
- Pansi. Mwamuna nthawi zambiri amafuna ndalama zambiri kuposa akazi. Kusiyana kwake kumatha kukhala kwakukulu komanso kufikira 40 000 Ma ruble.
- Zaka. Kwa achinyamata, pachisangalalo, ndalama mkati 150 000 ma ruble pamwezi... Mbadwo wakale ukufuna ndalama zochulukirapo. Kwa okalamba kuposa 45 zaka, muyenera osachepera 190 000 Ma ruble.
- Kuchuluka kwa malipiro. Chodabwitsa ndichakuti, less ndalama zochepa zomwe munthu amalandira mwezi uliwonse, ndizochepa - amafunikira ndalama kuti asangalale.
Ndizomveka kuti pamene ndalama zomwe amapeza pamwezi zikuchulukirachulukira, zosowa za munthu zimakula. Izi zikubweretsa funso: ndizotheka kutchula kuchuluka kwazomwe munthu amafunikira kuti akhale wachimwemwe.
7. Kuchuluka kwa ndalama = kukula kwa chisangalalo?
Mwa anthu olemera kwambiri komanso otchuka kwambiri padziko lapansi pali Nelson Rockefeller... Chosangalatsa ndichakuti, pomwe matenda ake anali pafupi $ 3 biliyoni, adachita nawo kuyankhulana. Atafunsidwa kuchuluka kwa ndalama zomwe amafunikira kuti akhale wosangalala kwathunthu, Rockefeller adayankha zowonjezera 4 biliyoni.
Mfundo zomwe zatchulidwazi kuchokera pa mbiri ya bilionea zimapangitsa kuti zitheke kumvetsetsa: kuposa zambiri ↑ mavuto azachuma, choncho zambiri ↑ Ndikufunabe ndalama.
Komabe, musaiwale kuti ndi kuwonjezeka kwa ndalama amachepetsa ↓ kuchuluka kwa nthawi yaulere, ndipo kwenikweni ↑ mulingo waudindo ukuwonjezeka. Nthawi zambiri zotsatira za izi zimakhala kupsinjika ndi kukhumudwa.
Zotsatira zake, si aliyense amene angakhale wokondwa ndi chuma. Chifukwa chake, akatswiri amalimbikitsa kuchita nawo zolinga. Ndikofunikira kuti agwirizane ndi kuthekera kwakomweko.
Komabe, ndalama zomwe mumafuna zikukula mosalekeza, chifukwa chadyera chabe. Zambiri zimatha kuchepetsa mtengo wamtengo wapatali kapena kuwonongera kwathunthu. Mfundo zazikuluzikulu ndizo kufufuma ndipo mavuto azachuma... Zifukwa zonsezi zimabweretsa kuti anthu ambiri amakana kusunga ndalama ndipo amafuna kugwiritsa ntchito momwe angathere.
8.Golide wa katatu wopezera chisangalalo ✅
Pakadali pano, malingaliro ambiri apangidwa momwe angapezere chisangalalo. Adapanga chimodzi mwazotchuka kwambiri Robert Cumminskukhala ku Australia. Adayitanitsa chilinganizo chake chachimwemwe kansalu wagolide.
Mbali za chiwerengerocho ndi izi:
- chikondi;
- kutenga nawo mbali pazinthu zamagulu;
- kuchuluka kwa ndalama.
Cummins amakhulupirira kuti munthu amakhala wokondwa kale akamakwanitsa kukwaniritsa chidwi chake. Chiphunzitsochi sichimaika ndalama patsogolo. Iwo ali chabe chivundikiro chodalirika. Chimwemwe chimazikidwa pa chikondi komanso kucheza.
Komabe, pakalibe 2- zinthu ziwiri zomwe zimabweretsa chisangalalo, ndalama zitha kubwera poyamba. Zotsatira zake, atalandira momwe amafunira ndalama, munthu amanamizira kuti ali wokondwa kwathunthu.
9. Momwe mungamvetsetse ndalama zomwe munthu wina amafunikira kuti akhale wachimwemwe 📝
Ngati munthu ali ndi chidwi chokwaniritsa kuchuluka kwakomwe kumulola kuti akhale wosangalala, choyambirira ndikuti awunike zosowa zake. Poterepa, imodzi mwazinthu ziwiri zitha kukhazikitsidwa:
- Pezani gawo linalake la ndalama pamwezi. Ntchito yotere ndiyoyenera kwa iwo omwe akuyenera kuwonetsetsa kuti akukhalabe ndi ulemu pakadali pano. Powerengera mulingo wa ndalama zofunika, muyenera kuganizira ndalama mokakamizidwa chakudya, zofunikira, zovala ndi tchuthi. Wina atha kuphatikizaponso zosangalatsa kapena masewera pamtengo uwu. Mulimonsemo, muyenera kufotokoza mwatsatanetsatane zokhumba zanu zonse ndikuwonetsa kuchuluka kofunikira kuti mukwaniritse.
- Sonkhanitsani ndalama zinazake. Apa, wina ayenera kupitilira chifukwa chake zowonjezera zikufunika. Ngati ndalama zikufunika kugula kwakukulu, ndiye kuti kuchuluka kwake kudzatsimikiziridwa ndi mtengo wake.
Mwa njira iyi, mutha kukhala osangalala ngakhale mutakhala ndi ndalama zochepa. Gwero lalikulu la chisangalalo ndi okondedwa, komanso mgwirizano ndi wekha.
Timalimbikitsanso kuwonera kanema:
Tikukhulupirira kuti tinatha kuyankha funso - ndi ndalama zingati zomwe munthu amafunikira kuti akhale wosangalala kwathunthu.
Ngati muli ndi mafunso, afunseni mu ndemanga pansipa. Mpaka nthawi yotsatira pamasamba a magazini ya RichPro.ru!