Akukho thuluzi elizalwa kungekho lutho.
I-Cashfulness ingumphumela weminyaka yokufunda, wamaphutha ami, wemibono engiyibolekwe kubantu abakhulume izinto ezihlakaniphile ngemali kudala kunami.
Bengicabanga ukuthi kwakuthembekile ukukutshela ukuthi le mibono ivelaphi.
Okulandelayo akulona uhlu lwezinga. Futhi akuwona uchungechunge lwezibuyekezo. Kuwuhlu lwezincwadi olucatshangelwe: izincwadi ezinhlanu, futhi ngayinye isizathu sokuthi kubaluleke kangakanani nokuthi yiyiphi ingxenye yokucabanga kwe-Cashfulness eyikhanyisayo.
Isiqalo esingifuna ukukutshela: enye yalezi zincwadi ezinhlanu ngiyibhale mina. Yindlela yesihlanu. Uzoyithola endaweni yayo, ixoxwe ngesilinganiso esifanayo nezinye ezine — hhayi ngaphezulu, hhayi ngaphansi.
Ngiyibeke lapho ngoba ihambisana nezinye, hhayi ngoba yeyami.
Futhi uma kulezi zincwadi ezinhlanu ungafunda cishe lutho, kulungile: ngizamile ukubhala ikhadi ngalinye ngendlela ekunika umbono osizayo ngisho nangaphandle kokuvula incwadi.
1. George S. Clason — The Richest Man in Babylon (Umuntu Ocebe Kunabo Bonke eBhabhiloni) (1926)
Ake siqale ngendala kakhulu, futhi elula kakhulu.
Iqoqo lezingane zezindaba ezinesifundo esishicilelwe kusukela ngo-1926 nguGeorge Clason, umAmelika. Izindaba zenzeka eBhabhiloni yasendulo: umlingiswa oyinhloko nguArkad, umuntu ocebe kunabo bonke edolobheni, ochazela noma ubani ombuzayo ukuthi wafinyelela kanjani lapho.
Umbono oyisisekelo umunye kuphela, futhi usungene olimini olujwayelekile: khokha wena qobo kuqala.
Ngaphambi kwerenti, ukudla, izikweletu, beka eceleni isabelo esimile kulokho okungenayo — incwadi ithi ingxenye eyodwa kwezishumi. Leso sabelo ngesakho, futhi asithinteki. Konke okunye yikho okuphila ngakho.
UClason wengeza umthetho wesibili, ongacashunwa kaningi kodwa obalulekile ngokufanayo: leso sabelo akufanele sihlale singasebenzi. Kufanele sibekwe ukuthi sisebenze, ngokucophelela, ukuze sona sikhiqize — futhi kufanele sivikelwe kulabo abathembisa inzuzo elula.
Ukonga kuyisinyathelo sokuqala kuphela. Isibili ukungavumeli ukuthi kuthathwe lokho okongiwe.
Uma kushiwo kanjalo, kubukeka kuyize. Akunjalo: cishe akekho owenza lokhu ngempela, ngoba cishe akekho onezinhlelo ezikwenza kube okuzenzakalelayo.
Futhi lapha incwadi ithinta i-Cashfulness.
Ukuzithoba okukhuluma ngakho uClason akusiyo ukuncisha. Kuwukuhleleka. Akukuceli ukudela okuthile: kucela ubeke izinto ngendlela efanele.
Inkinga wukuthi ukuhleleka, uma inyanga ngayinye kuncike emandleni entando, kungathi sína kwesinye isikhathi kuwe. Ukubhalisa okuqhubekayo ku-Cashfulness kusebenzela impela ukususa ukuhleleka ezandleni zentando: uyakubona, kukhona, kuyakutshela wena uqobo ukuthi ugcina umthetho noma cha.
Futhi lesosabelo esikhulayo, futhi ngesikhathi esithile siqala ukukhiqiza, siyisitini sokuqala senkululeko: ku-Cashfulness ubona sikhuphuka isihloko ngesihloko, ngaphandle kokudinga ukusicabanga.
Isexwayiso esithembekile: uhlobo lwezingane zezindaba luphelelwe isikhathi, futhi isitayela sizwakala sidala, ngezinye izikhathi sinesizotha esiningi.
Ungayifundeli isitayela. Yifunde — noma nje uyikhumbule kusukela lapha — ngenxa yesimiso: isabelo, ngaphambi kwakho konke okunye, ngaso sonke isikhathi.
2. Vicki Robin no-Joe Dominguez — Your Money or Your Life (Imali Yakho Noma Impilo Yakho)
UClason ukufundisa ukuhleleka. Incwadi elandelayo iyakubuza ukuthi kungani lokho kuhleleka.
I-Your Money or Your Life incwadi yaseMelika, eyashicilelwa ekuqaleni kweminyaka yee-1990, eyabhalwa nguVicki Robin noJoe Dominguez. Enye yezincwadi ezasekela izimali ezicatshangelwe kahle, kudala kakhulu ngaphambi kokuba leli gama libe indlela.
Umbono oyisisekelo umusho oyodwa okuthi, uma usuwufundile, kunzima ukuwukhohlwa: imali amandla okuphila.
Yonke i-euro oyisebenzisayo yisikhathi sempilo yakho osishintshe ukuze uyithole. Akuyona into engabonakali: kuyinombolo yamahora eqinisile owanikele ngawo esikhundleni saleyo mali.
Kusuka lapho kuzalwa umbuzo incwadi eyibeka ezandleni zakho: le nto engizoyithenga ikufanele yini amahora empilo eyingcosane kimi?
Incwadi futhi ikwenzela isibalo esiqondile: ihora linye lomsebenzi wakho lidla kanjani impela, uma kususwa konke lokho umsebenzi okudingayo ukuthi ube khona — ukuhamba, izingubo, ingcindezi okufanele iphume. Cishe njalo kuphansi kunalokho ocabangayo.
Futhi ikukhombisa ukuthi kukhona iphuzu — bakubiza “okwanele” — ngale kwakho, ukusebenzisa okwengeziwe akukwenzi ujabule kakhudlwana. Kudingeka ukukubona, hhayi ukukwedlula ngokungananeli.
Uma unomusho ongaphansi kwe-Cashfulness — imali ithuluzi lokuthenga isikhathi nenkululeko — lapha uzowuthola cishe igama ngegama, kodwa ushintshwe ube indlela yokwenza.
Yibhuloho eliqondile kakhulu kulolu hlu lonke.
Yonke into oyichithayo amahora empilo yakho. Inani lakho lonke elingasele — esikubiza ngokuthi indawo eqondile yomkhumbi ku-Cashfulness — kukutshela ukuthi ubuyise amahora amangaki kakade, futhi useduze kangakanani nephuzu lapho ungasadingi ukuwashintsha khona.
Isexwayiso: incwadi igxile kakhulu e-United States, entelweni, empesheni nasezelulekweni zokutshalizimali eziphelelwe isikhathi manje ezicini zokusebenza.
Kodwa-ke, ukucabanga kusalele kuqinile. Kufanele nje uguqule izibonelo ezweni lakho nasesikhathini sakho — umbono ongaphansi awuguquki.
3. Beppe Scienza — Il risparmio tradito (Ukonga Okukhashelwe)
URobin noDominguez bakubuza ukuthi imali isebenzelani. UBeppe Scienza uyakuxwayisa ukuthi ubani ozuzayo uma ungazibuzi.
Yincwadi yase-Italy, ebhalwe ochwepheshe wesibalo waseNyuvesi yaseTurin osebekade ebheka ngeso elicophelelayo imboni yokongiwa okuphathwayo.
Umbono oyisisekelo awuthokozisi: ingxenye enkulu yaleyo mboni, empeleni, isebenzela ukuphikisana nomongi.
Amakhomishini adla kancane inzuzo ngokuthula. Imikhiqizo eyakhelwe ukuba ngacacile. Ihhovisi elihlongoza lokho okusiza umthengisi, hhayi wena.
Isibonelo esiqondile, ngaphandle kokusho amagama: imikhiqizo emibili etshalwa ezintweni ezifanayo ngokuphelele ingakushiya, ngemva kweminyaka engamashumi amabili, ngomehluko wezinkulungwane ezingamashumi ama-euro — ngenxa nje yekhomishini yonyaka eyayibonakala incane. Iphesenti elincane, uma lihlangene ngesikhathi, alisalincane.
Isifundo osithathayo, ngisho nangaphandle kokufunda incwadi, sisodwa futhi sisebenza phakade: ungathembi noma ubani okuthengisela umkhiqizo ozifihle njengeseluleko.
Kunokuzivikela okusebenzayo, futhi kulula: buza njalo ukuthi kukubiza malini, nge-euro futhi nyakenye, konke kufakiwe. Uma impendulo ingacacile, ukungacaci ngokwako sekuyimpendulo.
Leli yibhuloho eliya ku-Cashfulness, futhi liyibhuloho elakhiwe ngokungabikho.
I-Cashfulness ayinayo imikhiqizo yezezimali yokukuthengisela. Ayithathi khomishini kulokho okwenzayo ngemali yakho, ayikuqondisi kunoma isiphi isikhwama, ayinawo umdlandla ofihlekile enanini olibonayo.
Ikukhombisa izinombolo zakho kuphela, akukho okunye. Ithuluzi elingathathi hlangothi likhona ngempela ngoba konke uScienza akuchazayo kukhona.
Elinye igama elidume kakhulu kule ndaba, uRobert Kiyosaki, alikho kulolu hlu: sesibhale ngalo ngokuhlukene, esihlokweni esizinikele saleli blog, futhi lapho siyachaza ukuthi kungani.
Isexwayiso esidingekayo: umsindo kaScienza uyaphikisana, ngezinye izikhathi ubukhali.
Kufanele uthathwe njengoba unjalo — ukugqugquzela okuhlolisisayo okukuqeqesha ekungathembi okufanele, hhayi isahlulelo esigcinayo mayelana nomkhiqizo noma umuntu ngamunye. Inani wumbono osala ngawo, hhayi isahlulelo ngasinye esithile.
4. Seneca — De brevitate vitae (Ubufishane Bempilo)
UScienza uyakuxwayisa mayelana nalabo abamosha imali yakho. USeneca ukukhumbuza ukuthi yini ngempela oyimosha.
Iyindaba yezimiso zombono zomfilosofi wesiLatin uSeneca, ebhalwe eminyakeni ecishe ibe izinkulungwane ezimbili edlule. Akaze akhulume ngemali. Ukhuluma ngesikhathi.
Umbono oyisisekelo ushintsha indlela esivamise ngayo ukukhononda: akulona iqiniso ukuthi sinesikhathi esincane — iqiniso ukuthi simosha isikhathi esiningi kakhulu.
Inkinga akuyona inani lempilo, kodwa ukunaka esiyisebenzisa kukho.
USeneca uhlukanisa izinto ezimbili esizidida njalo: impilo ende nempilo ephile ngempela akuzona into eyodwa. Lowo ohlala ematasa, kubhala yena, kaningi ngumuntu ophile kancane kunabo bonke — ngoba akakaze eme isikhathi esanele ukuze aqaphele ukuthi wayeya kuphi.
USeneca wenza umbono othi, ngemva kwamakhulu eminyaka angamashumi amabili, uyaqhubeka ubuhlungu: sizivikela ngamandla imali yethu, futhi sivumele noma ubani asithathele isikhathi sethu — into eyodwa okuthi, yona, ayibuyi.
Kuyincwadi eyodwa kulolu hlu engahlobene nemali nakancane. Futhi yingakho ikhanyisela ezinye kangcono kunazo zodwa.
Ngoba ukuphatha imali, ngokujulile, kungukuphatha isikhathi imali esikuthengelayo.
Yonke incazelo ye-Cashfulness — ukwazi ukuthi ukuphi, ngaphandle kokudinga ukukucabanga njalo — ikhona ngenxa yalokhu: ukunaka okuncane kuchithwa ukukhathazeka ngemali, impilo eningi ishiywe empilweni. Imali ehlelwe kuyisikhathi ozibuyisela sona.
Yisenzo esifanayo uSeneca akuncomayo ngesikhathi: kwesinye isikhathi ma bese ubheka ukuthi siya kuphi. Kanye ngeviki, ngezinombolo phambi kwakho, kuyilokho kanye kokuma.
Lapha akudingeki isexwayiso.
Akukho okudinga ukubuyekezwa, akukho okudala okudinga ukuguqulwa. Umbhalo osukume kwaminyaka eziyizinkulungwane ezimbili awudingi ukuwuvikela.
Wufunde. Mfushane, futhi akukho ncwadi yezezimali oyokutshela lokhu ngokucaca okufanayo.
5. Vittorio Giusti — Strategie per la Finanza Personale (Amasu Ezezimali Zomuntu)
Sesifika endleleni yesihlanu. Enginayo mina ngizibhale.
Ngisho ngokusobala, ngaphandle kokugoqoza: eyami, futhi yingakho angizukuyidumisa. Ngiyifake kulolu hlu ngoba ihambisana nezinye ezine, hhayi ngoba ithwele igama lami.
Iyincwadi esebenzayo yezezimali zomuntu. Ichaza, isinyathelo ngesinyathelo nangezibonelo eziqondile, ukuthi ungayiletha kanjani ekuphatheni kwasekhaya ukuqina okufanayo kokubhalisa okuphindwe kabili — ubuchule izinkampani ezisebenzise iminyaka eminingi ukugcina izikweletu zisemthethweni.
Kuqala kusukela ku-lutho: ukuthi ungakha kanjani uhlelo lwamakhawuntu lomndeni, ukuthi ungabhala kanjani okungenayo nokuphumayo, ukuthi ungawufunda kanjani umphumela ngaphandle kokuba ngumkweleti. Nakuba ungeke uze uyithenge incwadi, umbono ozowuthatha yilona: indlela yezimboni isebenza, ngokufanayo, ngisho nomndeni.
Kukhona iphuzu lapho kufanele ngibe ngiqondile ngokuphelele kuwe.
Encwadini ngincoma, njengethuluzi lokusebenza, i-GNUCash: isofthiwe yamahhala nekhululekile yokubhalisa ngendlela yokubhalisa okuphindwe kabili, evela ekhompyutheni. Iyisicelo esihle kakhulu — elinamandla, eliqinile, futhi elingabizi lutho.
Kungani-ke ngakha i-Cashfulness?
Ngoba ngesikhathi ngibhala leyo ncwadi, i-Cashfulness yayingekho. I-GNUCash kwakuyi — futhi isaba yi — inketho ebalulekile etholakalayo, futhi ngayincoma ngenhliziyo emhlophe.
Iphuzu engifisa ukulinika ngokucacile kuwe yilokhu: izingxoxo zencwadi zihlala zonke zisebenza. Empeleni, nge-Cashfulness zisebenza ngokwengeziwe.
Incwadi ayiphelelwa isikhathi. Okushintshayo, ngokungcono, yithuluzi elincomiwe — hhayi ukucabanga okungaphansi kwalo.
I-Cashfulness idla ifa yokuqina okufanayo kokubhalisa okuphindwe kabili, kodwa ilula kakhulu, isesikhathini, futhi isebenza kangcono kune-GNUCash, futhi yakhelwe labo abangewona omakweletu.
Kushiwo ngomugqa owodwa: uma ufunda incwadi namuhla, shintsha ngengqondo i-GNUCash ube i-Cashfulness. Indlela iyafana, kodwa ulwazi lulula kakhulu.
Incwadi iyatholakala ku-Amazon.
Intambo ehlanganisa zonke
Izincwadi ezinhlanu ezihluke kakhulu. UmAmelika weminyaka ye-1920s, ababhali ababili bezimali ezicatshangelwe, isazi sesibalo saseNtaliyane esiphikisayo, umfilosofi wesiLatin, nami.
Nokho, uma ubeka ndawonye, zonke zisho into efanayo ngezindlela ezahlukene.
UClason: hlela, ukuze imali isebenzele wena hhayi wena usebenzele yona.
URobin noDominguez: leyo mali isikhathi sempilo yakho, iphathe ngendlela efanele.
UScienza: ungavumeli abanye baguqule ithuluzi lakho libe umgomo wabo.
USeneca: umthombo ongatholakali ngempela akuyona imali, kuyisikhathi.
Nendlela yesihlanu, eyami, izama ukubeka konke lokhu endleleni ongayisebenzisa ekhaya lakho.
Intambo yodwa: imali ithuluzi lokuthenga isikhathi nenkululeko — hhayi iphupho ekufanele ulisukele, futhi hhayi isitha ekufanele ulwe naso.
Zonke ezinhlanu, ngayinye ngendlela yayo, zisusa imali esikhungweni sesigcawu futhi zibeka impilo yakho kabusha lapho.
Yingakho i-Cashfulness icela imizuzu embalwa kuwe, hhayi usuku lwakho lonke: indlela isebenzela ukuthi ucabange ngemali kancane, hhayi kakhulu.
Uma uthanda, yindawo lapho le mibono iyeka khona ukuba ukufunda futhi ibe umkhuba wansuku zonke. I-beta iyavuleka — ngaphandle kokushesha, uma unesifiso.
— Vittorio