Kukhona into eyodwa ihlobo eyenza kangcono kunanoma yikuphi ikhosi.
Liyakumisa.
Phakathi kokubhukuda okukodwa nokunye, ethunzini, ifoni isikude ekugcineni, unamahora amabili noma amathathu angenalutho. Kuyisikhathi lapho ingqondo yakho ivuleka bese umcabango obewubeke eceleni uphinde uphume.
Ngokuvamile, phakathi kwaleyo micabango, kukhona imali.
Ngakho ngacabanga ukukushiyela izincwadi ezintathu ozifake esikhwameni sakho. Akuyona imibhalo yesiqondiso, akuyona “imithetho eyishumi ye”, akuyona amagrafu okufunda unepensela esandleni. Izincwadi ezintathu ezifundeka kalula, ngaphansi kwesambulela, futhi ekupheleni kwehlobo zishintshe kancane indlela obuka ngayo.
Zihlukile kwezinhlanu engabhala ngazo kombhalo omunye: leso kwakuyi-bibliography enegqondo, ecophelele. Lena ishalofu yami yamaholide: elula kakhudlwana, engaqondene ngqo. Akukho namunye kulezi ezintathu ekhuluma ngezimboni.
Futhi uma kulezi ezintathu ufunda eyodwa kuphela, kulungile ngokuphelele. Yizincwadi ezisebenza ngisho nangobuncane obuncane.
Eyokuqala: ukuqonda kungani siphutha (futhi kulungile njalo)
Ngiqala ngeyakamuva kakhulu neqonde ngqo kakhulu: The Psychology of Money (Isayikholoji Yemali), kaMorgan Housel.
Iyincwadi yaseMelika yeminyaka embalwa edlule, eyakhiwe izahluko ezimfushane, ezizimele. Ungayivula noma kanjani, ufunde imizuzu engamashumi amabili, uyivale, uqhubeke ngemuva kokubhukuda. Iphelele ngokugcwele olwandle.
Umcabango wayo osemazingeni aphezulu uyakhulula: ngemali akuhambi kabi ngoba awazi izibalo.
Kuhamba njengoba kuhamba ngokuya ngendlela oziphatha ngayo.
UHousel usho ngaphandle kokugoqoza: ukuphatha imali kahle kunobudlelwane obuncane nokuhlakanipha kwakho futhi obukhulu nendlela oziphatha ngayo. Futhi ukuziphatha kunzima ukukufundisa, ngisho nakulowo owazi izinombolo.
Lokhu, ngaphansi kwesambulela, umcabango okususa isisindo kuwe. Kusho ukuthi awudingi ukuba yingcweti. Udinga ukwakha imikhuba embalwa elula futhi uyigcine.
Kukhona nesahluko esahlala kimi. UHousel ulandisa udaba lwendoda enomsebenzi olula okuthi, ngokubeka imali eceleni njalo iminyaka eminingi, ekugcineni ithole umnotho omkhulu. Hhayi ngenxa yesibhelu esifanele: ngenxa yesikhathi eyavumela ukuthi sisebenze. Eceleni ubeke indaba ephambene: abantu abakhaliphile, iholo eliphezulu, abagcina kabi ngoba bafuna ukuba nobuqili obukhulu.
Isifundo akulona “phila ngokuzidela”. Sicophelele kakhudlwana: ukuqinisela okumbaxambili kunqoba isibhelu esihlakaniphile, cishe njalo.
Bese kukhona igama eliphindaphindwayo kuzo zonke lezi zincwadi, futhi eyinhliziyo ye-Cashfulness: kwanele.
UHousel unikela amakhasi amahle kakhulu kuyo. Iphuzu elingozi kakhulu, kusho yena, ukungazi ukuthi inini kwanele, ngoba ngaphandle kwaleyo mikhawulo ushintsha umgqa njalo lapho ufinyelela kuwo, futhi ugijime unaphakade.
Nangu umbhoxo naloko engikuzamayo mina. Ukwazi ukuthi kunani lokho onakho — engikubiza e-Cashfulness ngokuthi indawo yakho eqondile yomkhumbi, okusho ukuthi konke onakho ukhipha konke okukukweletayo — akusebenzi ukulandela inani elikhulu.
Kusebenza ukubona lapho inani selikwanele.
Ukuthatha ekhaya, ngisho nangaphandle kokuvula incwadi: imiphumela yakho ngemali incike kakhulu endleleni oziphatha ngayo kunokuthi umuhle kangakanani. Yizindaba ezinhle. Kusho ukuthi kusemandleni akho.
Eyesibili: ukukukhumbuza ukuthi kubiza kangakanani ngempela lokho okuthengayo
Eyesibili yisiqondiso esidala, futhi ihlobo iphelele: Walden, kaHenry David Thoreau.
Maphakathi nekhulu leshumi nesishiyagalolunye, iMelika. UThoreau uhamba ayohlala iminyaka emibili endlini encane ayizakhela yena, eduze kwechibi, ehlathini. Udla kancane, usebenza kancane, uqaphela kakhulu. Emva kwalokho ubhala lokho akufundile.
Kulandiswe kanjena, kubukeka njengedayari yomuntu ozihlukanisile nabantu. Kepha phakathi kwamakhasi mayelana nemvelo — afundwe olwandle, anokuthula okuyikho — kucashe eyodwa yemibono ecophelele kakhulu ebhalwe mayelana nemali.
UThoreau uyisho kanje: intengo yento ithi ubuningi bempilo oyinikela njengoshintshaniso ukuze ube nayo.
Yima umzuzwana kulowo musho. Hhayi intengo. Impilo.
Lezo zicathulo, leyo nto ekudonse iso lakho, lokho kokubhalisa okukhokhelayo kepha ungakusebenzisi: intengo yakho yangempela ayilona inombolo elebeli. Yisikhathi obudinga ukusebenza ukukhokhela ngaso.
Ngumbono ofanayo owaba, ngekhulu nengxenye kamuva, yisisekelo sezimali eziqaphelayo. UThoreau wafika kuqala, endlini encane, ngaphandle kwamaphepha okubala.
Futhi ungeza umphumela ozwakala nakakhulu njengeqiniso emaholidini: ubuningi baloko esikubiza ngokuthi isidingo, uma ubheka kahle, akuyona. Izinto eziningi sizithenga ngenxa yomkhuba, hhayi isidingo.
Ihlobo liyisikhathi esifanele sokuqaphela lokhu. Ngezinto ezimbalwa esikhwameni, uyabona ukuthi kuncane kangakanani okudingekayo ngempela ukuthi uzizwe umuhle. Usuku olulodwa olwandle luncane cishe akudingi lutho, futhi kaningi lubaluleke kunezinto eziyinkulungwane ozithengile.
Lena kanye umoya ongemuva kwe-Cashfulness. Imali iyithuluzi lokuthenga isikhathi nenkululeko, akulona iphupho okumele lilandelwe futhi akusiye isitha okumele silwe naso. UThoreau, endlini yakhe encane, wayesekuqondile konke lokhu.
Ukuthatha ekhaya: ngaphambi kokuthenga okulandelayo okungesiso isidingo sangempela, zama uzibuze ukuthi kubiza amahora amangaki omsebenzi. Kwesinye isikhathi impendulo iyakushintsha umqondo. Kwesinye isikhathi cha, bese uyakuthenga uthulile, ngoba uyazi ukuthi ushintshanisani.
Eyesithathu: ukuyeka ukulandela (inoveli, hhayi isithombe)
Eyesithathu ayikhulumi ngemali ngisho nangephutha. Iyinoveli: Siddhartha, kaHermann Hesse.
Ngiyibeke ngamabomu. Iyincwadi elula kunazo zonke kwezintathu — indaba, ifundeka njengenganekwane — futhi yingakho ifika lapho ezinye ezimbili ezingafiki khona.
UHesse uyibhala ekuqaleni kweminyaka yamashumi amabili. Yindaba yendoda, uSiddhartha, edabula impilo efuna incazelo yezinto. Ngesinye isikhathi uba ngumcebi naye: ufunda ukuhweba, uqoqa, uzuza. Unakho konke. Futhi utholakala ukuthi ukuba nakho konke akumnikanga lutho.
Kukhona ikhasi lapho uHesse achaza khona ukuthi kwenzekani lapho imali iyeka ukuba yindlela futhi ibe umdlalo owudlalayo. USiddhartha ekuqaleni uhweba kalula, cishe ngenjabulo. Emva kwalokho umdlalo umnqoba. Futhi lapho ezuza kakhudlwana, kokukhula lapho ezizwa engenalutho.
Yisithombe esicace kakhulu engisaziyo somgibe esiwela kuwo sonke, kancane: sixube indlela nenjongo. Ukuqoqa ukuze uqoqe, ukhohlwa ukuthi kungani waqala.
Angikutsheli ukuthi iphetha kanjani: iyinoveli, kungaba yisono. Ngikutshela nje ukuthi ukuthula, lapho uSiddhartha eyithola, akukho ekubeni nokuningi. Kusekuyekweni kokulandela.
Ifundwa olwandle, ngomsindo wamagagasi, le ncwadi ikhiqiza umphumela ongajwayelekile futhi omuhle. Ikukhumbuza ukuthi umjaho oya “njalo okuncane ngokuqhubekayo” uwukhetho, hhayi indawo yokufika. Futhi ungehla noma nini uma uthanda.
Yingakho ngiyixhumanisa ne-Cashfulness, nakuba uHesse engenzi noma imuphi umbalo.
Konke engizama ukukwakha kusebenzela into eyodwa: ukususa imali endaweni ephakathi engqondweni yakho. Ukuyibona ngokucacile, kanye ngeviki, imizuzu eyishumi, bese ubuyela ekuphileni.
Hhayi ukuyilandela kangcono. Ukuyilandela kancane.
Ukuthatha ekhaya: umuzwa wokuthi awukaze wanele akulona iqiniso ngemali yakho. Kuyiqiniso ngengqondo yakho. Futhi ngengqondo, ngokuhluke kwe-akhawunti, unamandla agcwele.
Intambo, nesikhwama
Izincwadi ezintathu ezahlukene kakhulu. UmMelika ochaza ukuziphatha, umuntu ozihlukanisile nabantu wekhulu leshumi nesishiyagalolunye endlini encane, inoveli yesiJalimane esimeme eNdiya.
Nokho zonke ziheha ngasohlangothini olufanayo.
UHousel: kubalulekile ukuthi uziphatha kanjani, hhayi ukuthi umuhle kangakanani, futhi funda ukuqaphela lapho sekwanele.
UThoreau: lokho okuthengayo, ukukhokha ngesikhathi sempilo, hhayi ngemali.
UHesse: ukulandela okuningi akulethi ukuthula; ukuyeka ukulandela, yebo.
Iyintambo efanayo ephatha konke engikubhalayo: imali iyithuluzi, akuyona injongo. Isebenzela ukuthenga isikhathi nesinqumo, hhayi ukukugcina uphaphile ebusuku.
Ngakho-ke: faka eyodwa esikhwameni sakho. Yifunde ngaphandle kwepensela, ngaphandle kwamanothi, ngaphandle kokuphangisa ukuthi “usebenzise” noma yini.
Ngemva kwalokho, mhlawumbe ngoSepthemba, lapho ubuyela ezinombolweni zakho ngengqondo ecacile kancane, le mibono emithathu izobe isekhona. Izincwadi ezinhle mayelana nemali zisebenza kanjena: zisebenza kamuva, lapho ungazilindele kakhulu.
Ihlobo elimnandi, nokufunda okumnandi.
— Vittorio