Yintoni imali?

Imali sesinye sezixhobo ezinkulu zenkululeko ezakha zaqulunqwa ngumntu.
Friedrich Hayek

Wamkelekile kwi-Bitcoin Diploma. Kule modyuli, siza kuphonononga umbuzo osisiseko wokuba kutheni imali ibalulekile ebomini bethu. Siza kujonga kwindalo yemali kunye neendlela zayo ezahlukeneyo, ngenjongo yokufumana ukuqonda okunzulu ngokubaluleka kwayo.

Imali yinto esiyisebenzisayo yonke imihla, kodwa ngaba siyayiqonda nyani ukuba kutheni siyifuna kwaye yintoni na?

• Kutheni abantu bethengisa ixesha labo ngemali?
• Kutheni abanye abantu benemali eninzi kunabanye?
• Kutheni imali yahluke kwamanye amazwe?
• Kutheni singakwazi nje ukwenza imali engakumbi xa siyifuna?

Masisiqale ngokuphendula le mibuzo mihlanu ilandelayo.

Cinga ngeendlela ezisebenzayo ezifana nokufumana izinto ezisisiseko ezifana nokutya kunye nezinto ozifunayo. Zama ukunika imizekelo ecacileyo, udibanise ubuchule bokuyila kunye nenyani.

Kutheni sifuna imali?

Yintoni imali?

Ngubani olawula imali?

Yintoni eyenza imali ibe 'nexabiso' layo?

Ziziphi iimibuzo onazo malunga nemali?

Ingxoxo: Kutheni Sifuna Imali?

Yahlulani ngamaqela kwaye:

• Yabelanani kwaye nixoxe ngeempendulo zemibuzo emine yokuqala. Bhala phantsi iimpendulo ezithandwayo.
• Yabelanani ngeempendulo zemibuzo yokugqibela, nize nivotele eyona mibuzo ithandwayo. Bhala phantsi isiphumo.
• Buyelani kwiimpendulo nemibuzo ekupheleni kwesifundo.

Ngoku ukuba sele unokuqonda okucacileyo malunga nesizathu sokuba imali ibalulekile, izifundo ezilandelayo ziza kuphonononga ukuba yintoni imali, indlela etshintshe ngayo ngokuhamba kwexesha, ngubani ochaphazela imali, kunye nohlobo lwayo olutsha. Qhubeka ubhekisa kuluhlu lwakho losuku lokuqala eklasini ukuze uqhagamshele iingcinga zakho nendlela imali eyadalwa ngayo, ichazwa, kwaye isetyenziswa ngokuhamba kwexesha.

Ingxoxo: Yintoni Imali?

• Nceda ungayityi iswiti ebekwe etafileni yakho okwangoku.
• Ngubani onokulungele ukutshintsha iswiti yakhe ngebhili ye-US$1?
• Ngoku, gcina isandla sakho siphezulu ukuba usenokulungele ukutshintsha iswiti yakho ngebhili ye-$1 yeMonopoly endaweni yeswiti yakho.
• Kutheni okanye kutheni kungenjalo?
• Yintoni eyenza enye ibhili ibe nomtsalane kangaka kanti enye ingathi ayinaxabiso?
• Yintoni eyenza imali ibe 'nexabiso' layo?
• Imali ivela phi kwaye ngubani ogqiba ukuba iprintwe ingakanani?
• Kutheni singaprinti imali eninzi siyinike wonke umntu ngokulinganayo?

Imali liqinisekiso lokuba sinokufumana into esiyifunayo kwixesha elizayo. Nangona singadingi nto ngoku, iqinisekisa ukuba kunokwenzeka ukwanelisa umnqweno omtsha xa uvela.
Aristotle

Ukhe wema wacinga ukuba imali yintoni na ngokwenene? Okanye waze wabuza ukuba yintoni eyenza imali… ibe yimali? Uninzi lwethu siyayisebenzisa, kodwa bambalwa abaqondayo ukuba ivela phi okanye isebenza njani. Imali sisixhobo sokutshintshiselana ngeempahla neenkonzo. Imela ixabiso lezi zinto ngendlela elula yokutshintshiselana. Imali inokuba neendlela ezininzi, ezifana namaphepha-mali, iinkozo zemali, kunye neentlawulo zedijithali. Urhulumente okanye amagunya athile aqhele ukushicilela nokulawula imali, kodwa imali ingaphezulu kokuba sisixhobo somzimba okanye sedijithali sokutshintshiselana; ifana nolwimi lwehlabathi olusivumela ukuba sithengiselane nabantu abavela kwiindawo ezahlukeneyo, nokuba asithethi ulwimi olufanayo okanye asabelani nenkcubeko efanayo. Ungaba usecaleni lehlabathi kwaye usakwazi 'ukuthetha' imali ngokubeka imveliso kwikhawuntara kwaye uyitshintshise ngemali yendawo okanye usebenzise ikhadi letyala.

Imali ifana nesivumelwano sentlalo esivumela ukuba sitshintshe izinto ngaphandle kokuxhomekeka ekutshintshiselaneni ngokuthe ngqo okanye ukufumana umntu ofuna kanye le nto sinayo. Ukuba iqela labantu liqalile ukwamkela itshokolethi njengentlawulo yeempahla neenkonzo ezininzi, itshokolethi ingaba yimali (nangona, kuba inganyibilika kwezinye iindawo zehlabathi, sinokuthi ibe yimali embi).

Ngamanye amazwi, imali ngokwayo ayinawo amandla okwanelisa iimfuno zabantu; sisixhobo nje esisivumela ukuba sithengiselane ngokukhawuleza nangcono.

Imali imela ixabiso ESI tshintshiselwana ngalo iimpahla. Imali ASIYO ixabiso ESI tshintshiselwana ngaso iimpahla.

I intengiselwano lutshintshiselwano okanye ukudluliselwa kweempahla neenkonzo. Yindlela yokutshintshiselana ngexabiso phakathi kwamaqela amabini nangaphezulu.

Kukho iintlobo ezininzi zeentengiselwano, ukusuka kutshintshiselwano olulula (njengokuthenga isandwichi kwivenkile yokutya) ukuya kutshintshiselwano lwezezimali olunzima ngakumbi (njengokuthenga indlu okanye utyalo-mali kwi-

Iintengiselwano zinokwenziwa ubuso ngobuso, ngomnxeba, kwi-intanethi, okanye ngezinye iindlela, kwaye zinokubandakanya amaqela ahlukeneyo, kubandakanya abantu ngabanye, amashishini, kunye neenkampani zezezimali.

Imali yenza ukuba urhwebo lube lula kuba wonke umntu uyayamkela njengentlawulo yokugqibela. Ikwasivumela ukuba silinganise ixabiso kwaye siqwalasele iimpahla neenkonzo ezahlukeneyo.

Imali isebenza kuphela njengomsebenzi wexeshana kutshintshiselwano; kwaye xa urhwebo lugqityiwe ekugqibeleni, kuhlala kufumaneka ukuba uhlobo olunye lwempahla lutshintshiselwe olunye.
Jean-Baptiste Say

Xa kufikwa ekuthengeni nasekuthengiseni iimpahla neenkonzo, imali yeyona iphambili. Imali inemisebenzi emininzi ebalulekileyo ehlabathini, ezifana nale:

Indawo Yokugcina Ixabiso

Imali kufuneka igcine ixabiso layo ngokuhamba kwexesha, nto leyo eyenza ukuba iluncedo njengendlela yokugcina nokutyala ixabiso lomsebenzi womntu. Oku kuvumela abantu ukuba basebenzise imali ukuceba ikamva labo. Ngoko ke, ixesha elizayo xa ugcina imali ukuze uthenge into ekhethekileyo, khumbula ukuba imali ayisosixhobo sokuhlawula izinto kuphela — sisixhobo sokukunceda ucebe kwaye utyale kwikamva lakho.

Indlela Yokutshintshiselana

Ngemali, akufuneki ufumane umntu ofuna kanye le nto onayo ukuze nitshintshe. Endaweni yoko, ungasebenzisa imali ukuthenga nokuthengisa nantoni na oyifunayo. Oku kwenza urhwebo kunye norhwebo lube lula kwaye lusebenze kakuhle.

Umgangatho Wexabiso

Imali ibonelela ngomgangatho oqhelekileyo wokulinganisa ixabiso, ovumela abantu ukuba baxele kwaye bathelekise amaxabiso ezinto ezahlukeneyo kunye neenkonzo. Oku kwenza ukuba imarike isebenze kakuhle kwaye icace, apho abantu banokwenza izigqibo ezilumkileyo malunga nokuthenga nokuthengisa.

Ukuba ubufuna ukuthenga imoto entsha, unokuthelekisa amaxabiso kwiindawo ezahlukeneyo zokuthengisa kwaye wenze isigqibo esilumkileyo sokuba uza kuthenga eyiphi ngokusekelwe kwixabiso le-Randi. Ngaphandle komgangatho wexabiso, kuya kufuneka uzame ukuthelekisa ixabiso lemoto enye kwenye usebenzisa enye into, njengenani leenkomo okanye ixesha elithathayo ukuyenza.

Ezi misebenzi mithathu zezinto ezenza uqoqosho lube nzima kwaye luguquguquke. Ngaphandle kwemali, kuya kuba nzima kakhulu ukuthenga nokuthengisa iimpahla neenkonzo, kwaye uqoqosho lwethu beluya kuba lungaphuhliswanga kakhulu.

Umsebenzi: Yeyiphi imisebenzi yemali le umzekelo wayo?

• Sipho uthathe isigqibo sokugcina inxenye yemivuzo yakhe yeveki ukuze athenge inja encinci
• Thabo uthenga izilayi ezimbini zepizza nge-R150
• Lwazi akakwazi kugqiba ukuba athenge amatikiti ekonsathi nge-R1,350 okanye athenge ipasi yokutyibilika ekhephini nge-R1,700

Imali isebenza kakuhle kuphela ukuba inezinto ezithile ezibalulekileyo. Kufuneka ilungele ukuthenga nokuthengisa (indlela yokutshintshiselana), ukugcina imali ukuze isetyenziswe kamva (indlela yokugcina ixabiso), kunye nokulinganisa amaxabiso (iyunithi yokubala). Ezi mpawu zenza imali ithembeke kwaye ibe nentsingiselo.

• Ukuhlala ixesha elide ibhekisa kumandla emali ukumelana nokonakala ngokwasemzimbeni kwaye ihlale ixesha elide. Oku kuqinisekisa ukuba imali inokujikeleza kuqoqosho ikwimeko eyamkelekileyo kwaye ichongiwe lula. Igolide yinto ehlala ixesha elide enokumelana nokunxitywa, nto leyo eyenza ibe ngumzekelo olungileyo wokuhlala ixesha elide kwemali.
• Ukuhlulahlula ibhekisa kumandla emali ukuhlulwa ibe ziinxalenye ezincinci ukuze abantu bakwazi ukuyisebenzisa ukuthenga izinto ezixabisa imali eyahlukeneyo. Amaphepha emali anokwahlulwa lula abe ziimali ezincinci, nto leyo eyenza abe ngumzekelo olungileyo wokuhlulahlula kwemali.
• Ukuthwaleka ibhekisa ekubeni lula ukuthwala imali nokuyiphatha naphi na. Oku kuvumela abantu ukuba basebenzise imali ukuthenga nokuthengisa iimpahla neenkonzo ngaphandle kobunzima. Amakhadi etyala ayathwaleka, kuba anokuthwalwa lula ephaketheni okanye ebhegini, nto leyo eyenza abe ngumzekelo olungileyo wokuthwaleka kwemali.
• Ukwamkelwa ibhekisa ekwamkelweni ngokubanzi kwemali njengendlela yokuhlawula ukuze abantu bakwazi ukuyisebenzisa ukuthenga nokuthengisa iimpahla neenkonzo ngokuzithemba. Idola yaseMelika yamkelwa ngokubanzi njengendlela yokuhlawula, nto leyo eyenza ibe ngumzekelo olungileyo wokwamkelwa kwemali.
• Ukungabikho ngokwaneleyo ibhekisa ekubeni nzima ukwenza ezinye iiyunithi zemali, nto leyo egcina ixabiso layo kwaye ithintele ukuba kufuneka sichithe imali eninzi ukuthenga izinto ezifanayo. Iimpawu zokuqokelela, ngakumbi ezo zinqabileyo nezixabisekileyo, zinokuba yindlela elungileyo yemali kuba azikho zininzi kwaye zinokunyuka ngexabiso ngokuhamba kwexesha. Abaqokeleli beempawu bahlala bezisebenzisa njengeyona ndlela yokutyala ubutyebi babo kunye nokwahlula iindlela zabo zotyalo-mali.
• Ukufana ibhekisa ekutshintshiselaneni kwemali ukuze iyunithi enye yemali ilingane nenye iyunithi exabisa okufanayo. Imali kufuneka ifane. Iinkozo zobhedu zifana ngobukhulu nobunzima, nto leyo eyenza zibe ngumzekelo olungileyo wokufana kwemali. Iisenthi enye ihlala iyisenthi enye.

Umsebenzi

Iimpahla ezahlukeneyo zineempawu ezahlukeneyo kwaye zenza imisebenzi yemali ngendlela eyahlukeneyo. Uluntu ekugqibeleni luthatha isigqibo sokuba yeyiphi impahla esetyenziswa njengemali ngokusekelwe ekubeni le mpahla isebenza kakuhle kangakanani kule misebenzi.

Ukuze kugqitywe ukuba izinto ezahlukeneyo zihlangabezana kakuhle kangakanani neempawu zemali, unokunika inqaku kwinto nganye ngezantsi ukusuka ku-1 ukuya ku-5 kwimpawu nganye (0 = Imbi kakhulu; 3 = Kulungile; 5 = Kugqwesile).

Ngokudibanisa amanqaku ezinto nganye, unokufumanisa ukuba yeyiphi efaneleka kakhulu ukuba ibe yimali.

Sebenzisa le mibuzo ilandelayo ukukunceda ugqibe ukuba izinto ezahlukeneyo ezikwi theyibhile zihlangabezana kakuhle kangakanani neempawu zemali.

• Ukuhlala ixesha elide: Ngaba imali inokumelana nokonakala ngokuhamba kwexesha?
• Ukuthwaleka: Ngaba imali inokuthwalwa lula kwaye isetyenziswe kwiindawo ezahlukeneyo?
• Ukufana: Ngaba imali ingatshintshiselwa kwezinye iindlela zemali?
• Ukwamkelwa: Ngaba imali yamkelwa ngokubanzi njengendlela yokuhlawula?
• Ukungabikho ngokwaneleyo: Ngaba imali ayikho ngokwaneleyo kwaye kunzima ukwenza enye?
• Ukuhlulahlula: Ngaba imali inokwahlulwa ibe ziinxalenye ezincinci?

* Nceda ungazalisi ikholam yeBitcoin; siza kubuyela kuyo kamva kwesi sifundo.

Imali inokuwohlulwa ibe ziindidi ezimbini eziphambili: imali ebonakalayo kunye neyedijithali.

Imali ebonakalayo

• Imali yezinto ezixabisekileyo, ethi ibe yinto ebonakalayo exatyiswa kakhulu kwaye yamkelwe njengendlela yokutshintshiselana.
  • Imizekelo: Igolide, isilivere, kwanegunya lomlilo zaye zakhonza njengemali yezinto ezixabisekileyo.
• Imali emele into, ethi imele ilungelo lokufumana into ebonakalayo.
  • Umzekelo: Izatifikethi zesilivere zazinokutshintshwa ngesilivere.
• Imali ye-fiat, ethi ibe ngamaphepha-mali kunye neengqekembe ezikhutshwe ngurhulumente kwaye zamkelwa njengendlela yokutshintshiselana.
  • Umzekelo: Amanqaku eFederal Reserve yimali ye-fiat, echazwe ngurhulumente wesizwe njengendlela yamkelekileyo yokuhlawula amatyala.

Iimali zedijithali

Iimali zedijithali zingasetyenziswa kwiintengiselwano ezikwi-intanethi kwaye ziquka imali yombane, ii-stablecoin, kunye ne-cryptocurrency.

Iimali zombane ziinguqulelo zedijithali zeemali zemveli ezifana ne-euro. Zisetyenziswa kwiintlawulo ezikwi-intanethi ngokusebenzisa iinkqubo ezibizwa ngokuba ziindlela zokuhlawula, ezihambisa imali ukusuka kwenye indawo ukuya kwenye.

Kwinkqubo yemali yesintu, ezi ndlela zokuhlawula zixhomekeke kubalamli abafana neebhanki. Aba balamli batyala iintlawulo kwaye banamandla okuvuma, ukulibazisa, okanye ukurhoxisa intengiselwano.

Imizekelo eqhelekileyo yale nkqubo ziquka iinethiwekhi zamakhadi, ezilawula iintlawulo zamakhadi okutsala kunye namakhadi etyala, kunye neewallet zedijithali, ezigcina imali kwaye zivumela abasebenzisi ukuba bathumele kwaye bamkele iintlawulo.

• Iimali zedijithali zeBhanki Ephakathi (CBDCs): Iinguqulelo zedijithali zemali yelizwe, ezikhutshwe kwaye zilawulwa yibhanki ephakathi.
• Ii-stablecoin: Iimali zedijithali ezilungiselelwe ukugcina ixabiso elizinzileyo, zihlala zixhomekeke kwinto exabisekileyo njenge-euro.
• Ii-cryptocurrency: Uhlobo lwemali yedijithali. Ezinye azilawulwa ngulo naluphi na uluntu olunye, oko kuthetha ukuba azinagunya lunye oluzilawulayo, ngelixa ezinye zilawulwa ngakumbi.

Ingcamango ephambili kwezinye zeemali zedijithali kukususa abalamli. Oku kunokwenza iintengiselwano zisebenze ngokukhawuleza kwaye kunciphise ugxininiso lwamandla. Injongo kukwakha inkqubo esebenza njengendlela ye-intanethi, apho ulawulo lwabelwana ngalo endaweni yokuba lube sesandleni sogunya olunye.

Zicinga ukuba uvaleleke entlango kwaye unebhotile enye kuphela yamanzi eseleyo. Unxaniwe kwaye ufuna amanzi kakhulu, kodwa uyazi ukuba uza kuwadinga la manzi ukuze usinde de ufumane eminye. Le yimeko eqhelekileyo yokunqongophala kwezinto: unexabiso elilinganiselweyo lomthombo (amanzi) kwaye kufuneka wenze izigqibo malunga nendlela ongawasebenzisa ngayo kakuhle.

Kule meko, unokugqiba ekubeni uyawagcina la manzi kwaye usele kancinci kancinci ixesha elide ukuze akwane ixesha elide kangangoko kunokwenzeka. Okanye, unokukhetha ukusela kangangoko unako ngexesha elinye, ukwanelisa ukunxanwa kwakho okwethutyana, kodwa le nto inokunganeli ukukunika amandla okufuna amanye amanzi kwixesha elizayo. Nokuba yeyiphi na into oyikhethayo, ujongene nesigqibo esinzima.

Ukunqongophala kwezinto kusebenza kuzo zonke izinto, hayi amanzi kuphela. Nokuba yimali, lixesha okanye uthando kunye nenkathalelo, sihlala sijongene nezinto ekufuneka sizikhethe malunga nendlela yokwabela izixhobo zethu ezilinganiselweyo.

Ukunqongophala kwezinto kusinyanzela ukuba silinganise izibonelelo kunye neengxaki ngendlela esisebenzisa ngayo izixhobo zethu kwaye senze utshintsho.

Kukho iintlobo ezimbini zokunqongophala kwezinto

• Ukunqongophala kwezinto okwenziweyo, okwaziwa njengekunqongophala okuphakathi, kubandakanya izinto ezifana neebhegi zoyilo ezikhutshwa kancinci, amakhadi emidlalo angafumanekiyo, kunye nemisebenzi yobugcisa enamanani athile. Ezi zinto kulula ukuziphinda-phinda okanye ukuzilungisa
• Ukunqongophala kwezinto kwendalo, okwaziwa njengekunqongophala okungaphathwa mntu, kubandakanya izinto ezifana nomhlaba osecaleni kolwandle kunye nezinto ezixabisekileyo ezifana negolide. Ezi zinto kunzima ukuziphinda-phinda okanye ukuzenza mbumbulu.

Umahluko ophambili phakathi kwezi zimbini lulawulo.

Ukunqongophala kwezinto okuphakathi kulawulwa yinkampani enye okanye urhulumente, ngelixa ukunqongophala kwezinto kwendalo kungalawulwa mntu. Umzekelo wokunqongophala kwezinto okuphakathi yimpahla yefashoni ebizayo, ekhutshelwa kancinci, njengeebhegi okanye izihlangu: inkampani inokwenza ezinye iiyunithi eziyi-1,000 ngaphandle kweendleko ezinkulu, kodwa ixabiso eliphezulu lilawulwa kukunqongophala okwenziweyo. Kulawulo lwenkampani kwinani leemveliso elichaza ixabiso lazo. Ngokwahlukileyo, indlela yokufumana nokusebenzisa ityuwa, amagobolondo okanye igolide kukusebenzisa amandla kunye nomzamo omkhulu (okanye 'umsebenzi'). Kwezi zixhobo zendalo, le ndleko inengqiqo kuphela ukuba imveliso ephumayo ixabisekile kakhulu.

Akukho mntu okanye iqela elilawula ixabiso lomthombo wendalo ukuze lichaphazele ixabiso lawo, koko kwenzeka ngokuchaseneyo: yimfuno yento leyo kwimarike echaza ukuba kufuneka kusetyenziswe amandla ukufumana eminye.

Ukunqongophala kwezinto kuchaphazela izigqibo zethu. Ukuqonda oku kunokuphucula indlela esenza ngayo izigqibo: sihlala sijongene nokukhetha phakathi kwenzuzo ekhawulezayo kunye nengeniso yexesha elide, kwaye olu tshintsho lwenza indlela yethu yokufikelela kwiinjongo zethu.

Umzekelo wokukhetha ixesha

Unenketho yokufumana i-R1,800 namhlanje okanye i-R1,980 kunyaka ozayo. Ukuba unomdla omkhulu kwangoko, unokukhetha ukufumana i-R1,800 namhlanje kuba ubaluleke ngakumbi ukufumana imali ngoku kunenzuzo yokulinda unyaka ufumane i-R180 engaphezulu. Kwelinye icala, ukuba unomdla omncinci kwangoko, uya kukhetha ukulinda ufumane umvuzo omkhulu kuba ugxile ngakumbi kulungiselelo lwexesha elide kwaye awukhathali kangako ngolonwabo olukhawulezayo.

Ukukhetha ixesha kubhekisa kumbono wokuba abantu bahlala bekhetha ukufumana into NGOKU kunokuba balinde.

Ukubuyela kumzekelo wangaphambili webhotile yamanzi entlango, ukusela onke amanzi ngoko nangoko, nokuba kuthetha ukuba awuzukuba nawo kamva, kubonisa umdla omkhulu kwangoko: ukunxanwa okukhoyo ngelo xesha kubaluleke kakhulu kangangokuba awukhathali nokunxanwa onokukufumana kwixesha elizayo ukuze uhlangule ukunxanwa kwakho ngoku. Oku kuyinto eqhelekileyo: sihlala sikhetha ulonwabo lwangoku kunokuzithintela ngoku ukuze sifumane inzuzo kwixesha elizayo, kuba ikamva lihlala lingaqinisekanga.

Ukuzama ukugcina amanzi ngokusela kancinci kancinci, kwelinye icala, kubonisa umdla omncinci kwangoko kunye nokwabela izixhobo ezinqongopheleyo ngendlela enengqiqo. Oku kuthetha ukuba ukulungele ukulibazisa ukwaneliseka kwangoku ukuze uphucule amathuba akho okusinda kwixesha elide. Oku akufiki ngokwendalo kwaye kufuna umzamo omkhulu, ukuzilawula kunye nokujolisa kwikamva.

Ixabiso elilahlekileyo libhekisa kwixabiso lonyulo olulandelayo olungcono kakhulu olulahlekileyo xa wenza isigqibo. Zonke izigqibo ziquka utshintsho, ngoko ke zonke izigqibo zineendleko zexabiso elilahlekileyo.

Kumzekelo wentlango, ixabiso elilahlekileyo lokusela onke amanzi ngoko nangoko yinzuzo yokusinda ongenokuyifumana ngokugcina amanzi kwaye uwasebenzise ixesha elide.

Masithi ugqiba ekubeni ugcine amanzi kwaye usele kancinci kancinci ixesha elide. Ngenxa yoko, unamandla kunye nokufuma okwaneleyo ukukhangela amanye amanzi. Xa ukhangele, ufumana ikhakasi equlethe amanzi ambalwa. Ayininzi, kodwa yanele ukunqanda ukunxanwa kwakho okwethutyana. Ukuba ubusesele onke amanzi akho ngexesha elinye, ungenokube unamandla okufuna amanye amanzi kwaye ufumane le khakasi.

Kule meko, ixabiso elilahlekileyo lokusela onke amanzi akho ngexesha elinye ibingumthuba wokufumana ikhakasi kwaye ufumane amanzi angakumbi.

Lo mzekelo ubonisa ukuba ixabiso elilahlekileyo alibandakanyi kuphela utshintsho olukhawulezayo phakathi kweendlela ezimbini, kodwa namathuba anokuthi afunyanwe okanye alahleke kwixesha elizayo ngenxa yezigqibo zethu.

Ukulungelelanisa ukulahla umvuzo omkhulu kwixesha elizayo ngenxa yomvuzo omncinci ngoku kuchaphazeleka kukhetho lwethu lwexesha, okanye indlela esixabisa ngayo ulonwabo olukhawulezayo xa kuthelekiswa nolungiselelo lwexesha elide.

Umsebenzi: Ukukhetha ixesha

1. Mamela inkcazo kathisha malunga nokukhetha iswiti.
2. Gqiba ukuba ungathanda ukufumana iswiti encinci okanye i-marshmallow ngoku okanye ulinde de kube sekupheleni kweklasi ukuze ufumane iiswiti ezimbini okanye iswiti enkulu, enqwenelekayo ngakumbi.
3. Zibophezele kwisigqibo sakho kwaye wazise utitshala ngento oyikhethileyo. Fumana iswiti yakho ngoko nangoko okanye ekupheleni kweklasi, ngokuxhomekeke kwisigqibo sakho.
4. Thatha inxaxheba kwingxoxo yeklasi malunga nomsebenzi, ucinga ngendlela othathe ngayo isigqibo kunye nombono wokukhetha ixesha.

Isiphelo kunye nengxoxo

• Zeziphi izinto ezichaphazele isigqibo sakho sokuthatha iswiti ngoku okanye ulinde umvuzo omkhulu kamva?
• Uziva njani ngesigqibo sakho ngoku ukuba umsebenzi uphelile?
• Ungacinga ngemizekelo yobomi bokwenyani apho ukukhetha ixesha eliphezulu kungaba yingozi kwaye apho ukukhetha ixesha eliphantsi kungaba luncedo?
• Zeziphi iziphumo ezinokubakho zokukhetha ixesha eliphezulu xa kuthelekiswa nexesha eliphantsi?

Izixhobo

What is Money?

Jonga le vidiyo imfutshane!