Iingxaki ngeendlela zokuqala zemali
Kwiqoqosho lokutshintshiselana ngezinto, abantu batshintshiselana ngeempahla neenkonzo ngokuthe ngqo. Ukuze utshintshiselwano lwenzeke, umntu ngamnye kufuneka abe nento efunwa ngomnye.
Oku kudala ingxaki ebizwa ngokuba yi-ukuhlangana kabini kweminqweno. Bobabini abantu kufuneka bafune kanye kanye into enikelwa ngomnye ngexesha elifanayo.
Kuba oku kusenzeka ngamaxesha ambalwa, utshintshiselwano lweempahla luba yinto engasebenzi kakuhle, ngakumbi xa uluntu lukhula kwaye urhwebo luba nzima ngakumbi.
Masicinge ukuba:
- Sipho unebhanana, kodwa ufuna ikhokhonathi.
- Noluthando unekhokhonathi, kodwa akathandi iibhanana kwaye angathanda umango.
- Thandi unomango kodwa uza kutshintshiselana ngawo kuphela xa efumana ipapaya—ngelishwa, iipapaya azikhuli kwesi siqithi!
- Sipho akakwazi ukutshintshiselana noNoluthando kuba akathandi iibhanana.
- Noluthando akakwazi ukutshintshiselana noThandi kuba uThandi akafuni ikhokhonathi yakhe.
- Thandi akakwazi ukutshintshiselana nabani na kuba akukho mntu unokufumana iipapaya.
Bavaleleke, kuba akukho ndlela yokugqibezela ikhonkco lotshintshiselwano eya kwanelisa nabani na. Sipho uyancwina: “Ukuba besinento wonke umntu angayithatha njengotshintshiselwano... njengesiselo esibandayo.” Bonke bayavuma, beqonda ukuba le yinto kanye eyenziwa yimali.
Uphuhliso lweMali yeMali kunye neMali yePhepha
Xa wena noluntu lwakho niqala ukungena ngakumbi kurhwebo, niqonda imida yokutshintshiselana ngeempahla kunye nezinye iindlela ezingezizo ezemali. Ngokwendalo, emva kokuzama amaxesha amaninzi, nisebenzisa into ethile njengemali ephakathi. Nifumene imali yezinto.
Izinto ezininzi ezahlukeneyo ziye zasetyenziswa luluntu kwimbali, ukusuka kwiinkomo kunye namagobolondo ukuya kumgubo wesonka okanye ityuwa. Ekugqibeleni, uninzi loluntu oluphambili lwakhetha izinyithi ezixabisekileyo, ngakumbi igolide nesilivere, njengeendlela ezilungileyo zemali yezinto.
Nangona kunjalo, xa niqala ukusebenzisa iinkozo zentsimbi rhoqo, niqala ukubona iingxaki. Zinokuba nzima kwaye zingakhululeki ukuzithwala kwiintengiselwano ezinkulu, kwaye niqaphela ukuba abanye abantu bayakhohlisa ngokunyibilikisa iinkozo baze benze ezintsha ezixutywe nezinyithi ezingabizi, nto leyo ethoba ixabiso lenkozo yokwenene xa ithelekiswa nexabiso layo elisemthethweni (ixabiso ekufanele ukuba linjalo) kwaye ibangela ukunyuka kwamaxabiso, nto leyo ekugqibeleni etshabalalisa ukuthembeka kwenkqubo yemali.
Njengendlela yokujongana nale miba, wena noluntu lwakho niqala ukusebenzisa amaphepha angummeli wexabiso lemali yentsimbi njengemali entsha.
La maphepha, anemvelaphi yawo eTshayina yakudala, alula kwaye kulula ukuwasebenzisa njengemali. Axhaswa yigolide nezinye izinyithi ezixabisekileyo kwaye anokuguqulelwa kwezi zinyithi, njengoko kwakunjalo ukusuka kwinkulungwane ye-17 ukuya kweye-20. Oku kukuvumela ukuba ube nemali ephathekayo, elula ukuyidlulisela ngelixa ugcina ixabiso nokhuseleko lwezinyithi ezixabisekileyo.
Utshintsho oluvela kwiMali eQinileyo ukuya kwiMali eNgqinileyo
Sihamba phambili ukuya kwinkulungwane ye-17 eSweden. Ngoku uxhomekeke ngokupheleleyo kwiibhanki ukugcina ubutyebi bakho.
Kodwa uqala ukuqaphela into engaqhelekanga ngaba basebhankini; kubonakala ngathi bakhupha amaphepha amaninzi kunegolide abayigcinileyo, nto leyo ebavumela ukuba benze imali eninzi kunobutyebi abanabo bokuyixhasa. Le ndlela ifihlakeleyo ivumela abasebhanki ukuba baphumelele kumahluko ophakathi kwexabiso lamaphepha kunye nexabiso legolide abaligcinela abathengi babo.
Uyaqonda ukuba oku luphawu lotshintsho olukhulu kwindlela imali esebenza ngayo. Ushukuma ukusuka kwinkqubo yemali eqinileyo (oko kukuthi, imali exhaswa zizinyithi ezixabisekileyo) ukuya kwinkqubo yemali engqinileyo (oko kukuthi, imali ye-fiat engaxhaswanga yinto ebonakalayo). Olu tshintsho aluzange lwenzeke ngobusuku, kodwa lwaluyinkqubo ethatha ixesha, ichatshazelwa zizinto ezininzi.
Uguquko lwamashishini, kunye nemveliso enkulu kunye nokuhlala ezidolophini, lwadlala indima, kwakunye nokukhula kweenkqubo zemali eziphambili ezifana neebhanki kunye neemarike zesitokhwe. Ukuvela kwebhanki eziphambili kunye nezinye iigunya zemali kwabangela ukuba imali igxininiswe okanye ilawulwe, nto leyo ekhokelele ekukhutshweni kwemali ye-fiat ukuxhasa ukukhula koqoqosho.
Kodwa uqala nokubona imiphumo emibi yale ngxininiso, kubandakanya ukusetyenziswa okungakhathaliyo, ukwanda kwamatyala, kunye nokulawulwa kwabemi ngokusebenzisa izikhuthazo zoqoqosho.
Kude kube yimfazwe yeHlabathi yokuQala, sasinako ukuguqula imali yethu yephepha sithathe igolide elingakanani elalisele limiselwe. Kodwa iimfazwe ezimbini zehlabathi kunye nengxaki yezoqoqosho ka-1929 zaphelisa loo nto. Ngo-1944, kwatyikitywa isivumelwano saseBretton Woods, samisa idola yaseMelika njengemali egcinwayo yehlabathi kwaye saxhobisa ixabiso ledola yaseMelika kwixabiso legolide kwi-$35 nge-ounce. Iimali zamanye amazwe zaxhomekeka kwidola, nto leyo eyanceda ukuzinzisa iimarike zemali zamazwe ngamazwe.
Ngelishwa, inkqubo yaqala ukuphazamiseka ngasekupheleni kweminyaka yoo-1960, nto leyo ekhokelele kwiNixon Shock ngo-1971, xa urhulumente wase-US wayeka ukuguqulwa kwedola ibe ligolide.
Oku kwaphawula ukuphela komgangatho wegolide kunye nesiqalo sehlabathi eliqhutywa kukwenziwa nokufunyanwa kwamatyala.
Njengoko uqhubeka nobomi bakho bemihla ngemihla, uqala ukuqaphela ukuba ixabiso lemali alisazinzanga njengangaphambili. Njengokuba umlinganiso ogobileyo wenza kube nzima ukulinganisa ubude betafile ngokuchanekileyo, ukuhlala kwihlabathi le-fiat apho ixabiso lemali lixhomekeke kubantu abaphetheyo nako kwenza kube nzima ukulinganisa ixabiso leempahla neenkonzo ngokuchanekileyo.
Uziva udidekile kwaye ungakhululekanga njengoko uzama ukuziqhelanisa nehlabathi apho ixabiso lemali alisaxhomekekanga kwinto ebonakalayo efana negolide.
Uyabona ukuba le nguqu inefuthe kuqoqosho lwehlabathi kwaye uqala ukubuza uzinzo nokuthembeka kweemali ze-fiat. Uyaqonda ukuba, kweli hlabathi lanamhlanje, idola ayisaxhomekekanga kwaye ayizinzanga njengangaphambili xa yayixhomekeke kwigolide, kodwa ngoku iyatshintsha-tshintsha.
Oku kwenza kube nzima ngakumbi ukusebenzisa idola njengomlinganiselo wexabiso, kuba ixabiso layo lichatshazelwa zizinto ezininzi ezifana nokunyuka kwamaxabiso (inflation), amanqanaba emivuzo, amandla oqoqosho lwelizwe, iziganeko zopolitiko, uqikelelo lweemarike, kunye nemfuno kurhwebo lwamazwe ngamazwe. Kungaba lixesha elididayo nelingenakuxelwa njengoko uzama ukuhamba kwixabiso ledola elihlala litshintsha kunye nefuthe lalo ebomini bakho bemihla ngemihla.
Nangona kukho iinzame zokuphucula umgangatho wobomi ngeenkqubo zemali zale mihla, ukusebenza kakuhle okukhulu, ukufikelela ngakumbi kulwazi, kunye nonxibelelwano oluphucukileyo, umgangatho wobomi kwabaninzi uqala ukuhla ngenxa ye:
- Ukuxhatshazwa kokugxila kwamandla
- Ukonyuka kwamaxabiso
- Ukunganyuki kwemivuzo yokwenene
- Ukubuthathaka kweemali
- Isidingo sokuchitha imali eninzi ufumana izinto ezimbalwa
Oku kudala imingeni kwabo banemithombo yezoqoqosho embalwa abasenokungafumani lula imfundo, amatyala, imithombo yoluntu, kunye nemela kwezopolitiko, nto leyo ekhokelela ekubeni babe semngciphekweni wokungaphumeleli.
Ngenxa yoko, abatyebileyo babonakala beqhubeka betyeba kwaye abahluphekileyo beqhubeka behlupheka ngakumbi.
Ukusuka ephepheni ukuya kwiplastiki
Sihambe umgama omde ukusukela kwaziswa ikhadi lokuqala letyala kwiminyaka yoo-1950. Namhlanje, ngokutsala nje okanye ngokuchukumisa, sinokuthenga nantoni na sifuna, ngaphandle kwengxaki.
Kufana nokuvula ihlabathi leethuba ezingapheliyo, kwaye uchulumanco lokufumanisa oko linokukunika luyavakala... okanye sasicinga njalo. Besingazi ukuba ukuxhomekeka kwethu kwikhredithi kuya kuba nemiphumo ebuhlungu — njengokunyusa iindleko zeempahla ngokubanzi kunye nokukhuthaza uqoqosho olusengozini yokungaphumeleli.
Njengoko itekhnoloji iqhubeka phambili, kwanjalo nendlela esisebenzisa ngayo imali. I-intanethi ibe sisixhobo esiphambili kwihlabathi lezemali, kunye neebhanki ezikwi-intanethi kunye neewebhusayithi zorhwebo ezikwenza kube lula ukuphatha nokuchitha imali ngokupheleleyo kwi-intanethi.
Ukuphakama kwemali yedijithali kuphawula inyathelo elilandelayo elibalulekileyo kolu phuhliso, kunika amathuba amatsha kwaye kutshintsha indlela esitshintshela ngayo ixabiso.
