Nchifukwa chiyani ndimapanga ndalama zochepa ndipo sindikhala ndi ndalama nthawi zonse? 🤔
Moni! Ndimagwira ntchito kwambiri, koma sindimalandira ndalama zambiri. Nthawi zonse ndimakhala ndilibe ndalama. Chifukwa chiyani izi zikuchitika ndipo zingasinthidwe bwanji?Valera (wazaka 33), Saratov.
Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!
Moni, owerenga okondedwa a magazini ya Ideas for Life! Masiku ano, zochitika sizachilendo pamene anthu amadandaula kuti samalandira zambiri. Ndizosatheka kuthetsa vutoli ngati simukumvetsetsa zomwe zimayambitsa vutoli.
📌 Werengani komanso nkhaniyi pamutuwu - "Momwe mungapangire ndalama mwachangu komanso zambiri."
1. Kodi zifukwa zopezera ndalama zochepa ndi ziti?
Pali zinthu zambiri zomwe zimakhudza kuchuluka kwa ndalama zomwe mwalandira. Chofunika kwambiri pakati pawo ndi: maphunziro, zochitika, chuma ndipo ngakhale malo okhala... Komabe, izi sizinthu zazikulu.
Chowonadi ndi chakuti cholepheretsa kwambiri kulemera ndi kupezeka kwa zopinga zamaganizidwe.
M'magulu amakono, zochitika sizachilendo pomwe anthu omwe ali ndi maphunziro ofanana, luso komanso udindo amalandila ndalama zosiyana. Nthawi yomweyo, mulingo wa malipiro awo umatha kusiyanasiyana kwambiri. Zikatere, funsoli ndi lomveka: ndi zifukwa ziti kuti, zinthu zina kukhala zofanana, anthu ali ndi ndalama zosiyana.
⚡ Posachedwa, akatswiri ochokera ku Yunivesite ya Florida adatsimikizira zotsatira zamaphunziro am'mbuyomu. Zinatsimikizidwanso kuti: munthu akamadzidalira kwambiri, amapezanso ndalama zambiri. Zikuoneka kuti zonse zimangodalira pamaganizidwe.
Pali ubale wolunjika pakati pa kudzidalira ndi ndalama. Ndipo mosemphanitsa. Ngati kudzidalira kuli kolakwika, munthu amayamba kuganiza kuti samayenera kulandira ndalama zambiri, sikuti amakuyenererani. Have Tinalemba kale zamomwe tingalimbikitsire kudzidalira komanso kudzidalira mu imodzi mwazolemba zathu - tikupangira kuti tiwerenge.
2. Kodi ndine woyenera kupeza zochuluka? 💸
Ambiri amakhulupirira kuti kuchita bwino, komanso kuthekera kokhazikitsira zolinga ndikuzikwaniritsa, kumakhudzidwa kwambiri ndi kaganizidwe. A Henry Ford adatinso: ngati munthu aganiza kuti akhoza kuchita kanthu, akunena zowona, koma ngati akuganiza kuti sangachite bwino, alinso wolondola.
Ngati munthu ali ndi kudzidalira kokwanira, sangazengereze kudzikweza kuti agulitse maluso ake pamtengo wokwera. Zotsatira zake, azitha kukwezedwa pantchito mwachangu kwambiri.
Anthu oterewa amalemekeza kwambiri nthawi yawo, maluso awo ndi ntchito yawo. Ndiwotchuka, ali ndi cholinga, amadzidalira. Zotsatira zake, alibe nthawi yokayikira kuthekera kwawo, komanso kumva chisoni kuti sizinatheke.
Pali ndalama zambiri padziko lapansi, zokwanira aliyense. Komabe, sikuti aliyense akhoza kutsegulira ndalama. Ngati munthu akukayika, ndikudandaula, amadziwika kuti amadzikayikira, mosazindikira adatsitsa bala lake.
📝 Mwachitsanzo: Ashley Stahl, yemwe ndi wochita bwino pantchito zamalonda komanso mphunzitsi pantchito, adauza nkhani yoona m'magazini ya Forbes. Mzimayi wina anali wosatetezeka kwambiri ndipo amadzimva kuti akulephera kukwaniritsa udindo wake pantchito. Pamapeto pake, ngakhale oyang'anira adamuyamikira, adapempha kuti agwetsedwe ntchito ndikuchepetsa malipiro ake.
Mwa njira iyi, nthawi zambiri mdani woipitsitsa wa munthu amakhala iyemwini. Ena amangodziuza okha kuti: “Ndikuganiza kuti sindingathe. Nthawi yotsiriza sindinachite bwino. Nthawi zonse ndimawononga chilichonse chomwe ndimachita. Sindine woyenera kukhala ndi moyo wabwino. " Zotsatira zake, mauthenga amtsiku ndi tsiku amachepetsa ↓ kuchuluka kwa ndalama. Amatha kuchepetsa kwambiri kuthekera kowona zosankha zowonjezera ndalama. Kudandaula, komanso kudzimva kuti ndi wolakwa, kumabweretsa kunyalanyaza chiyembekezo chachitukuko.
📌 Mutha kukhala ndi chidwi ndi nkhaniyi: "Momwe mungatulukire nokha mukuvutika maganizo."
3. Zifukwa zomvera chisoni 😔
Zodandaula ndi njira zomwe zimapangitsa munthu kuti asapite patsogolo. Amayimira mkhalidwe wamaganizidwe momwe munthu amadziimba mlandu pazolakwitsa, amadzimva wotayika pazisankho zomwe zapangidwa.
Pali mitundu iwiri ya zodandaula:
- chisoni chifukwa cha zomwe zidachitika - kudziimba mlandu, kudzitsutsa;
- Pepani - zonse zikanakhala bwino ngati m'mbuyomu ndimachita mosiyana.
Zomwe zili zotchuka kwambiri pagulu ndi zokumana nazo izi: chifukwa cha ntchito, sizinali zotheka kuyang'anira ana, kuyendera makolo ndi agogo pafupipafupi. Munthuyo amadziimba mlandu chifukwa cha mipata yambiri yomwe anaphonya, kuntchito komanso maubale ndi anzawo. Kuphatikiza apo, ambiri amakhala ndi nkhawa kuti ali oyipa kuposa momwe angafunire, kapena sanachite mogwirizana ndi ziyembekezo zawo kapena za ena.
Ndikofunika kumvetsetsa! Zodandaula zimapangitsa munthu kukayikira kulondola kwakale, kusokoneza kukhala ndi moyo pano komanso kukonza tsogolo lawo.
Mukamaliza kuchita bwino, kudzimvera chisoni kumatha kukhala njira yokumbukira zakale ndikupeza mayankho omwe angakhale othandiza mtsogolo. Komabe, kuda nkhawa kumathandizanso kuchepa kwa kudzidalira ↓, chifukwa kumaphatikizidwa ndi kumiza zolakwika zopeka. Zotsatira zake, malingaliro olakwika amakopa kupanikizika kosatha, kulepheretsa kukwaniritsa zachuma, zimakhudza ubale ndi okondedwa.
Munthu amaganiza kuti si woyenera, malingaliro ake amapita kumbuyo. Sazindikira mwayi womwe waperekedwa, amasowa mwayi wosintha momwe alili pachuma. Zotsatira zake, ndalama zimachepa, chisoni chimayambiranso. Nayi bwalo loipa chotero.
📌 Tikukulangizani kuti muwerenge nkhani yathu: "Momwe mungakope ndalama ndi mwayi - 5 malamulo osavuta."
4. Zotsatira zakumva chisoni 🤔
Chimodzi mwazifukwa zomvera chisoni ndikudzifanizira nthawi zonse ndi wina. Ndikofunikira kudziwa kuti padzakhala wina aliyense padziko lapansi yemwe ali ndi ndalama zambiri, zinthu zodula kwambiri, nyumba ndi zinthu zina m'moyo. Ngakhale mutakhala ndi zonse zomwe mungafune, kudzifanizira nokha ndi anthu olemera nthawi zonse kumadzipangitsa kukhala osakhutira ndi inu nokha.
Pulofesa wa zamaganizidwe ku Texas amakhulupirira kuti chikhalidwe cha mpikisano chomwe chalimbikitsidwa mwa anthu chimati: munthu ayenera kukhala pamwambapa kuti amve bwino.
Zodandaula nthawi zambiri zimagwiritsidwa ntchito ngati njira yabwino yotsatsira. Ndi chithandizo chawo pomwe otsatsa malonda amapangitsa ogula kugula zochulukirapo. Si zachilendo kuti anthu otchuka azigwiritsa ntchito mawu osakondera m'malonda awo. Zotsatira zake, munthu amakhulupirira: kuti asadandaule mawa, ndiyofunika kugula lero.
Kuti akhale olimba mtima komanso kulimbitsa kudzidalira kwawo, anthu amagula zosafunikira. Zotsatira zake, ndalama zochuluka zimasowa mu kuchuluka kwa mpikisano. Kudandaula kwakukulu ndikuphimba munthu ndikukhala chizolowezi. Zimayamba kuwoneka kuti ndizosatheka kukonza vutoli. Komabe, pali mwayi woti tichotse zodandaula.
5. Kodi tingatani kuti tisamanong'oneze bondo? 📝
Aliyense akhoza kuchotsa chisoni. Kuti muchite izi, muyenera kuphunzira khalani pano ndipo tsopanoosayang'ana m'mbuyo m'mbuyo, osadziweruza wekha. Makina angapo atha kugwiritsidwa ntchito pazifukwa izi. Odziwika kwambiri mwa iwo amaperekedwa patebulo pamodzi ndi zolemba.
Gome: "Konzani makonda ndi kusanja kwawo"
| Kuyika | Kusintha |
| Ndachita zonse zomwe zimandidalira | Ngati liwu lamkati likukakamira kuti zolakwitsa zidachitika m'mbuyomu, ndizomveka kuzimvera. Pambuyo pake, muyenera kusanthula momwe zinthu ziliri ndikufunsani. Ndiye zimatsalira kuti mutsimikizire nokha kuti panthawi imeneyo zonse zidachitika molondola. M'mbuyomu, panthawi yopanga chisankho, kunalibe chidziwitso chokwanira, zochitika zimakukakamizani. Ndikofunika kusiya kuyang'anitsitsa zakale. |
| Tayani kufananitsa | Kudziyerekeza nthawi zonse ndi munthu wina kumatha kudzimva kuti ndi wolakwa, nkukhala wopanda chiyembekezo, ndikulephera. Pofuna kupewa izi, muyenera kumangoganizira za inu nokha komanso zolinga zanu. |
| Phunzirani kusiya izi | Kumbukirani: zakale sizingasinthike. Ngati munthu akukakamira, amadandaula ndi zomwe adachita, ayenera kuyang'ana njira zodzikhululukira. |
| Ganizirani zazing'ono zomwe zakwaniritsidwa | Cholinga chilichonse padziko lonse lapansi chimakhala ndi ntchito zing'onozing'ono zambiri. Mmodzi ayenera kusangalala aliyense wa iwo akwaniritsa. |
Mwa njira iyi, nthawi zambiri zifukwa zopezera ndalama zochepa zimakhala mwa munthuyo. Muyenera kumvetsetsa nokha, muchotsere chisoni ndikudzimva kuti ndinu wolakwa. Ndikofunika kuyima, kuyang'ana pozungulira ndikuganiza zamtsogolo.
Onaninso kanema "Momwe mungakope mwayi ndi ndalama m'moyo wanu":
"Momwe mungakhalire olemera komanso ochita bwino":
"Ndalama zopanda phindu ndi ziti? Mitundu, magwero ndi malingaliro azopeza zopanda pake":
Gulu la Maganizo a Life likukufunirani zabwino zonse ndi kupambana muntchito zanu zonse!
⚡ Ngati muli ndi mafunso, onetsani ndemanga kapena zowonjezera pamutuwu, ndiye mulembe mu ndemanga pansipa. Mpaka nthawi yotsatira!🤝