Kukhona umbuzo cishe okungekho omuzayo, uma ethola iseluleko ngemali.
Hhayi lo othi "ingabe kuyiseluleko esihle?".
Kodwa lo othi "ubani ozuzayo?".
Lezi zinto ezimbili zibonakala zifana. Aziyona ncamashi into eyodwa.
Iseluleko singaba yiqiniso ngokobuchwepheshe futhi, ngasikhathi sinye, senziwe ngamabomu ukuze senze lowo okunika sona azuze ukwedlula lokho okuzuza wena. Akukona ukuziphikisa. Kunalokho, yiyona ndlela evame kunazo zonke esebenza ngayo imakethe yeseluleko sezezimali.
Ngifuna ukukunika ikhampasi yokuzikhomba. Hhayi ukuze ungathembi wonke umuntu — lokho bekungaba yiphutha futhi kukhathaze nokuphila — kodwa ukuze wazi ukubona, njalo, ukuthi ovele akhulume nawe uvela kuluphi uhlangothi.
Ngoba kukhona igama elichaza cishe konke, futhi ngilisho manje ukuze singalilahli emehlweni: ukungqubuzana kwezintshisekelo.
Ukungqubuzana kwezintshisekelo yilapho lowo okwelulekayo enenzuzo yakhe ehambisana nesinqumo osithathayo. Akulona ubuqili ngokwakho. Kuyisimo. Iphuzu ukwazi ukuthi kukhona nini, ngoba kushintsha konke okunye.
Izimo ezintathu ezivame ukudideka
Uma kukhulunywa ngemali, namuhla, kukhona abaningi abakhuluma nawe. Kufanele senze ukuhleleka ezimweni ezintathu okulula ukuzishintshanisa.
Ngizigcina zihlukene ngoba indlela yazo yokuzuza imali ihlukile. Futhi indlela umuntu azuza ngayo iyona nto, ukwedlula noma yini enye, enquma ukuthi uzokutshelani.
I-finfluencer.
Ngulowo okhuluma ngezezimali kwabezokuxhumana. Amavidiyo, ama-reel, okuthunyelwe. Ngokuvamile uyakwazi ukuchaza, uyathandeka, uyakwazi ukwenza into eyinkimbinkimbi ibe lula. Kuze kube lapha, kuhle kakhulu: ukusakaza ulwazi kuligugu.
Iphuzu ukuthi uzuza kanjani. Cishe akaze azuze eselulekweni ngokwaso. Uzuza ekubukweni, ebuxhasini, ezixhumanisini eziya ezinkundleni ezimkhokhela ikhomishini ngamuntu ngamunye obhalisayo ngenxa yakhe.
Lokhu kushintsha lokho okumsizayo ukukutshela khona. Kuyamsiza ukukugcina unamathele nokukuyisa lapho ezuza khona. Hhayi ngempela ukukwenza uzizwe ungcono ngemali yakho eminyakeni eyishumi ezayo — into ehamba kancane, ethule, futhi ebukwa kancane kakhulu.
Umthengisi ozenza umeluleki.
Lesi yisimo esinobungozi kunazo zonke, ngoba sizethula njengesisohlangothini lwakho ngenkathi singekho ohlangothini lwakho.
Ungena ebhange, enethiwekhi yabathengisi, ehhovisi elihle. Umuntu onomusa, onolwazi, uyakuchazela ukuthi uzokusiza ukuthi imali oyongile ikhiqize. Ubizwa ngokuthi "umeluleki". Uzizwa unakekelwa.
Kodwa umholo wakhe, wonke noma ingxenye yawo, uncike kokungakanani nokuyini akuthengisayo. Ngokucacile: ngokuvamile uzuza ukubuyiselwa kwamakhomishini.
Ake ngikuchazele, ngoba yigama abambalwa abalaziyo futhi elisindayo kakhulu. Ukubuyiselwa kwekhomishini kuyingxenye yamakhomishini omkhiqizo othengiswayo, ebuyela emuva kulowo okuthelekele wona. Uthenga isikhwama esithatha iphesenti lemali yakho minyaka yonke: ingxenye yalelo phesenti igcina, unyaka nonyaka, kulowo okwelulekile ngaso.
Uyabona okwenzekayo. Lowo muntu akazuzi uma wena uzizwa kahle. Uzuza uma uthenga lowo mkhiqizo, futhi uqhubeka nokuwugcina. Intshisekelo yakhe neyakho azikhombi ndawonye — ngezinye izikhathi ziyahlangana ngengozi, ngokuvamile cha.
Umeluleki ozimele.
Ngulowo okunika iseluleko bese ekhokhelwa nguwe, inkokhelo yesevisi, ngeseluleko. Nakho.
Akathathi ukubuyiselwa kwamakhomishini. Akazuzi ngokusekelwe kulokho okuthengayo. Noma ukhetha umkhiqizo A noma umkhiqizo B, noma ungakhethi nowodwa, inkokhelo yakhe ayishintshi.
Ngolimi lwemakethe kubizwa ngokuthi ukweluleka kwe-fee-only: ukhokha inkokhelo kuphela, akukho makhomishini afihliwe. Yisona simo esinentshisekelo eseduze kunazo zonke neyakho, ngoba into eyodwa emsizayo ukukunika iseluleko esihle, ukuze ubuye unyaka olandelayo.
Naye akaphelele — ngisho nenkokhelo iyindleko, futhi kufanele ikalwe. Kodwa okungenani ukungqubuzana kwezintshisekelo, lapha, kwehliselwe kokuncane kunakho konke: umkhokhela ukuze acabange, hhayi ukuze akuthengisele into.
Umbuzo owembula zontathu
Uwubonile umucu ozibopha ndawonye?
Ukuze wazi ukuthi ungathemba bani, akufanele wahlulele ukuthi mkhulu kangakanani noma uthandeka kangakanani lowo okhuluma nawe.
Kufanele uqonde ukuthi uzuza kanjani.
Yiwo umbuzo osika phakathi kwakho konke: uma ngilandela iseluleko sakho, wena uzuzani kukho?
- Uzuza ekubukweni nakubaxhasi? Kungukuzijabulisa. Kuthathe njengalokho okuyikho.
- Uzuza kulokho akuthengisela khona? Ungumthengisi. Ohlakaniphile mhlawumbe, kodwa ungumthengisi.
- Uzuza enkokhelweni oyikhokhayo wena, kuphelele lapho? Useduze kakhulu ekubeni ohlangothini lwakho ngempela.
Akukona ukungabi nalusizo. Kuwukuhlanzeka kwengqondo.
Ukuzibuza ukuthi "ubani ozuzayo" akusho ukucabanga ukuthi bonke banenhloso embi. Iningi labantu abasebenza ezezimalini banobuqotho futhi banolwazi. Kodwa ngisho nomuntu onobuqotho kunabo bonke emhlabeni, uma ekhokhelwa ngendlela ethile, uzogcina — mhlawumbe engazi — esundulela ohlangothini akhokhelwa kulo.
Akuyona indaba yesimilo. Kuyindaba yezikhuthazo. Futhi izikhuthazo ziyanqoba cishe njalo.
Isibonelo, ngezinombolo eziqanjiwe
Ake senze isibonelo. Amagama nezinombolo ziqanjiwe, zisiza kuphela ukunika into isimo.
ULuca ubeke eceleni amayero angu-30,000 € futhi akazi ukuthi enzeni ngawo.
Uya ebhange. Umeluleki onomusa kakhulu umnikeza isikhwama "esisatshalaliswe kahle, esiphathwa ochwepheshe". Izindleko: u-2% ngonyaka. Kushiwo kanjalo kubonakala kuncane.
Ake sibone ukuthi kusho ukuthini lokho okungu-2%.
Kumayero angu-30,000 €, kungamayero angu-600 € ngonyaka. Unyaka nonyaka. Kungakhathaliseki ukuthi isikhwama sihamba kanjani: noma sikhuphuka, noma sehla, noma sihlala simile, lawo mayero angu-600 € ayasuswa noma kunjalo.
Eminyakeni eyishumi, ngaphandle kokubala ukukhula, cishe kungamayero angu-6,000 €. Ingxenye enkulu yemali yokuqala, esiyile emakhomishinini.
Futhi ingxenye yalelo 2% — masithi uhhafu — ibuyela emuva njengokubuyiselwa kwekhomishini kulowo owamthengisela sona. Umeluleki kaLuca, empeleni, uthola inzuzo encane minyaka yonke ngoba nje uLuca esigcinile leso sikhwama.
Manje: isikhwama singaba sihle nokuba sihle. Angisho ukuthi kungubuqili.
Ngisho enye into. Ukuthi uLuca uphume kulelo gumbi ekholwa ukuthi uthole iseluleko, kanti uthole ukuthengiselwa. Nokuthi umuntu obephambi kwakhe ubenesizathu esihle kakhulu sokumnikeza kanye lowo mkhiqizo, futhi engenaso nesisodwa isizathu sokumtshela umusho owusizo kunayo yonke: "Luca, mhlawumbe kule 30,000 ingxenye kungcono uyigcine isheshayo, futhi okusele singakubuka ngokuthula, ngaphandle kokujaha ukukubeka ndawana thile namuhla".
Lowo musho awenzi muntu azuze. Yingakho unqabile kangaka ukuwuzwa.
Le akuyona inkinga entsha, futhi angizange ngiyithole mina. Kukhona ababhale amakhasi abalulekile ngendlela imboni yokugcina imali esebenza ngayo, kaningi kakhulu, ngokumelene nomonga esikhundleni sokumsebenzela. Ngikhulume ngakho kwenye indawo, phakathi kwezincwadi eziyisisekelo se-Cashfulness: isifundo engigoduka naso sisinye, futhi sisebenza njengomthetho wokusinda — ungamethembi lowo okuthengisela umkhiqizo ombathise iseluleko.
Ikuphi i-Cashfulness kukho konke lokhu
Nakhu-ke ngifika kithi, ngoba kulungile ukuthi ngizibuze mina uqobo umbuzo engikucele ukuthi uwubuze wonke umuntu.
Ubani ozuzayo nge-Cashfulness?
Ngiphendula ngendlela ecace kunazo zonke engingakwazi: i-Cashfulness ayithengisi imikhiqizo yezezimali.
Ayikunikezi isikhwama. Ayikuqondisi enkundleni ethile. Ayithathi makhomishini kulokho okwenzayo ngemali yakho. Ayithathi ukubuyiselwa kwamakhomishini, ngoba awukho umkhiqizo okungathathwa kuwo.
Lokhu kusho into elula, kodwa eshintsha uhlobo lwethuluzi: thina asinantshisekelo efihliwe kunombolo oyibonayo.
Cabanga ngakho uqhathanisa nebhange likaLuca. Umeluleki kaLuca ubezuza kakhulu uma uLuca ethenga into ethile. Thina asinandaba nokuthi unquma ini. Ngempela akusithinti. Noma ushiya imali ku-akhawunti, noma uthenga indlu, noma utshala imali, noma ungenzi lutho unyaka wonke: umsebenzi wethu uyafana, nenzuzo yethu iyafana.
I-Cashfulness ikunika indawo eqondile yomkhumbi — isimo sakho sangempela sengcebo, namuhla: konke okuphetheyo kususwe konke okukweletayo, leyo esiyibiza ngokuthi inani lakho lemfuwa esele. Iyibeka phambi kwakho, icacile futhi iphelele.
Bese iyama.
Ayikutsheli ukuthi leso sikhwama sihle yini. Ayikutsheli ukuthi uthenge indlu yini. Ayinqumi esikhundleni sakho, nanini. Ikunika ikhoodinethi oqala kuyo, futhi isinqumo sisala singesakho ngokuphelele.
Ngikusho ngoba kuyisimo, hhayi umsebenzi engizisungulele wona ngalo mzuzu: ngikubhale ngokusobala phakathi kwezinto esingasoze sazenza. Ithuluzi elingenazo izintshisekelo zalo emalini yakho yithuluzi ongalethemba kanye ngoba lingenalutho lokukuthengisela.
Ithuluzi lokwahlulela wena ngokwakho
Kukhona into yokugcina, futhi mhlawumbe ibaluleke kunazo zonke.
Ukuba nekhampasi yokubona ukungqubuzana kwezintshisekelo akusizi kangako uma bese, uphambi komeluleki, ungakwazi ukufunda izinombolo zakho uqobo.
Ngoba yilapho kunqotshwa noma kulahlekelwe khona. Umthengisi ohlakaniphe kunabo bonke udlala kanye enkungwini yakho: uma ungazi ngokuqondile ukuthi unamalini, ukuthi udinga imali esheshayo engakanani, ukuthi ikuphi imali yakho, uphoqeleka ukwethemba lokho akuxoxela khona.
Kodwa uma ufika sewuphethe ikhoodinethi yakho, ingxoxo ishintsha ngokuphelele.
Ake sibuyele kuLuca. Cabanga ukuthi, ngaphambi kokungena ebhange, uLuca azi ngokuqondile inani lakhe lemfuwa esele, ukuthi angaphila izinyanga ezingaki ngemali esheshayo anayo, ukuthi ingxenye engakanani yengcebo yakhe isitshalwe kanti engakanani cha.
Lowo Luca akasezandleni zomeluleki. Ubuza imibuzo ehlukile. "Leli 2% ngokuqhathaniswa nani? Kusala kungakanani kimi kusheshayo ngemva kwalokho? Kwenzekani uma ngemva kweminyaka emibili ngiyidinga le mali?". Akaseyona lowo okuthengiselwa kuye. Ungolinganisayo.
Umehluko phakathi kwalaba boLuca ababili awukho ekuhlakanipheni. Ukusekelweni kokuthi owesibili unedatha eyiqiniso ngaphansi kwezinyawo zakhe, futhi eqinisweni kuyacatshangwa.
Lona, ekugcineni, ngumsebenzi we-Cashfulness: hhayi ukukunika iseluleko esilungile esikhundleni sabanye — bengizoba nami omunye wabakutshela ukuthi wenzeni — kodwa ukukubeka esimweni sokuthi wahlulele wena ngokwakho izeluleko ozamukelayo.
Umbuzo othi "ubani ozuzayo?" uyingxenye yokuqala yomsebenzi.
Ingxenye yesibili ukukwazi ukuwuphendula ngezinombolo zakho ezicacile, esikhundleni sokukwenza ngokwesaba ukungaqondi.
Inkululeko encane futhi ephathekayo
Angikutsheli ukuthi ungaze ukhulume nomeluleki. Umeluleki omuhle, okhokhelwa ngendlela efanele, ufanelwe yileyo nkokhelo ngayero ngalinye.
Futhi angikutsheli ukuthi uyeke ukubuka ama-finfluencer. Abanye bachaza izinto eziwusizo, kufanele nje wazi ukuthi kungukusakaza ulwazi, hhayi izeluleko ezenzelwe wena.
Ngikutshela into elula futhi engeyakho: ukuthi ukuqaphela kuwuhlobo lwenkululeko.
Inkululeko yokulalela noma ubani ngaphandle kokwesaba. Yokuthatha okuhle okukhona ushiye okunye. Yokuhlala etafuleni, phambi kwalowo ophila ngemali, ungazizwa ungobuthakathaka kunabo bonke egumbini — ngoba izinombolo zakho uyazazi, futhi kuzo akekho ongakuxoxela indaba ehlukile.
Imali iyithuluzi lokuthenga isikhathi nenkululeko. Nalena futhi yinkululeko encane: ukungabe usazibuza ukuthi lowo okwelulekayo ucabanga ngawe noma ngaye.
Umbuzo uzibuza wona kanye — ubani ozuzayo? — kusukela lapho ulalele ngokuthula okwengeziwe.
The calm side of money. Ngisho nalapho ngakolunye uhlangothi lwetafula kunomuntu ongathanda ukukuthengisela okuthile.
— Vittorio