Umuntu ongakaze ahambe ngomkhumbi ucabanga ukuthi useyili usebenza kuphela lapho umoya uphusha ngemuva.
Akunjalo.
Umoya, olwandle, ucishe uhlale uvela lapho ungathandi khona: ngaphambili, uphambene nendlela onayo emqondweni. Futhi lapho kwenzeka into ebonakala iyimilingo kubantu basemhlabathini: umkhumbi uyakwazi ukuya ngasemoyeni. Hhayi ngomugqa oqondile ophambene nomoya — lokho akunakwenzeka — kepha ngo-zig-zag, utshekisa indlela kuqala ngakolunye uhlangothi bese ngakolunye.
Kubizwa ngokuthi i-tacking (ukugwegwesa umoya): ukucindezela umoya ngangokunokwenzeka, uhambe ibanga, bese ujika wenze ibanga eliphambene. Umugqa ophukile othi, uma ubukwa ukude, ukuyise ncamashi lapho ubufuna ukuya khona.
Umgwedli osaqalayo, lapho umoya ujika uphambana naye, uyethuka. Onolwazi cha.
Hhayi ngoba ulwandle seluye lwaba nomusa. Ngoba wazi into eyodwa: umoya ophambene awubekezelelwa nje, uyasetshenzwa.
Futhi into yokuqala ayenzayo, ngaphambi ngisho kokuthinta iwili, akusikho ukubuka umoya.
Ukubuka lapho ekhona.
Okungalindelekile kuhlala kufika ngaphambili
Kwezezimali zomuntu siqu umoya ophambene unobuso obuthathu obuphindaphindekayo.
Isindleko esikhulu esingalindelekile: imoto emayo, uphahla oluwayo, ukwelashwa okungahlehliswa, izinyo elibiza njengeholidi.
Ukwehla kwemali engenayo: iklayenti elinyamalalayo, inkontileka engavuselelwa, ukumiswa komsebenzi okwesikhashana, kumuntu ozisebenzelayo ikota nje engenalutho.
Imakethe ephansi: uvula isifinyezo sama-investment futhi inombolo incane kuneyenyanga edlule. Kwesinye isikhathi incane kakhulu.
Imimoya emithathu ehlukene, ukusabela okufanayo okuvela ngokwemvelo: isisu siyashwabana.
Futhi cishe njalo, ngaleso sikhathi, kuqala izinyathelo ezingalungile.
Kuthengiswa i-investment ngosuku olubi kunazo zonke ukuze "uzivikele". Kusayinwa imalimboleko yokuqala evelayo, ngemibandela yokuqala evelayo. Kwamukelwa umsebenzi ongawufuni, ngokushesha, ngoba ukwesaba inyanga elandelayo yikho okunquma impendulo.
Konke lokhu kuyizinyathelo ezenziwa ngobumpumputhe. Izinyathelo zomuntu obuka umoya futhi akhohlwe ukubuka umkhumbi.
Kukhona indlela ehlukile. Ayisusi umoya — lowo akekho omsusayo. Kepha iguqula ukwethuka kube yinyathelo lokugwedla.
Ukuthula akuveli ekungabini khona kwamagagasi
Ake sicacise into eyodwa, ngoba iyinhliziyo yakho konke.
Ukuthula uCashfulness akhuluma ngakho akusiyo inkohliso yokuthi okungalindelekile ngeke kufike.
Kuyafika. Njalo. Kuwe, kimi, ku-skipper ohamba phambili echwebeni.
Ukuthula komgwedli onolwazi akuveli olwandle oluthule. Kuvela ekwazini, ngomzuzu nomzuzu, ukuthi umkhumbi wakhe ukuphi. Leyo khoodinethi imtshela ukuthi unamanzi ngaphansi komkhumbi yini, unesikhala esingakanani, yiziphi izinyathelo angazivumela nokuthi yiziphi angeke.
Kwezezimali zomuntu siqu leyo khoodinethi inegama. Ngiyibiza ngokuthi indawo eqondile yomkhumbi: konke okuphetheyo kususwe konke okukweletayo, indawo yakho eqondile ngalo mzuzu. (Ngakhuluma ngakho lapha, uma ufuna izisekelo.)
Futhi eduze kwendawo eqondile yomkhumbi kukhona ukufunda kwesibili, okuthi phambi kokungalindelekile kubaluleke ukwedlula konke okunye: izinyanga zokumboza. Zingaki izinyanga zempilo ongazikhokhela ngemali esheshayo onayo namuhla, uma kusasa imali engenayo ima. (Lapha ngokugcwele.)
Izinombolo ezimbili. Ukuphi, nokuthi ungabekezela isikhathi esingakanani.
Onazo phambi kwamehlo, lapho umoya ujika, akaqambi. Uyagwegwesa umoya.
Yini eshintshayo ngenombolo esikhundleni sokwesaba
Ake senze isibonelo esivame kakhulu, esesindleko esikhulu.
Imoto kaMarco iyama. Umakhenikha ucacile: ama-euro angu-3,200 € okulungisa, noma ukuyishintsha. Umoya ovela ngaphambili, oqondile.
UMarco ongenayo indawo eqondile yomkhumbi uphila lesi simo kanje. Uvula i-app yebhange, abone ibhalansi ye-akhawunti — ake sithi ama-euro angu-4,800 € — bese ethuka. Uma ngikhokha, kusala cishe lutho. Ikhanda liyabaleka: ngithengise okuthile? Ngicele imalimboleko? Ngihlehlise bese ngihamba ngezinyawo okwamanje?
Unquma engaphansi kwengcindezi, ngesisu. Cishe njalo kabi.
UMarco onayo indawo eqondile yomkhumbi uphila isimo esifanayo ngendlela ehlukile.
Ubuka ikhoodinethi, hhayi i-akhawunti kuphela. Wazi ukuthi inani lakhe lemfuwa esele, konke kuhlanganisiwe, lingama-euro angu-41,000 €. Wazi ukuthi izinyanga zakhe zokumboza zi-5: ngisho ekhokha ama-euro angu-3,200 € kanyekanye, kusala izinyanga ezingaphezu kwezi-4 zokuzimela okugcwele.
Isindleko sibuhlungu ngokufanayo — ama-euro angu-3,200 € asala engama-euro angu-3,200 €.
Kepha akuseyona inhlekelele. Kuyinyathelo lokugwedla ngaphakathi kwesikhala uMarco asaziyo.
Uyabona ukuthi angakhokha ngemali esheshayo ngaphandle kokuthinta ama-investment, ngaphandle kwezimalimboleko, ngaphandle kokuthengisa lutho ngentengo ephansi. Ukumboza kwehla kusuka ezinyangeni ezi-5 kuye ezingaphezu kwezi-4: ngaphansi komkhawulo wokuthula azinike wona, kepha kusengaphakathi kwesikhala esibekezelayo. Usevele wazi ukuthi umsebenzi wamasonto alandelayo yini: ukwakha kabuthule leyo ngxenye yenyanga yokumboza ayisebenzisile.
Igagasi elifanayo. Ukusabela okuphambene.
Inombolo ayisusanga isindleko. Isuse ukwethuka okuzungeze isindleko. Futhi ngaphandle kokwethuka, uMarco ukhethe kahle.
Yilokhu ukugwegwesa umoya: umoya usekhona, kepha wena wazi ncamashi ukuthi uwucindezele kangakanani.
Ukujika okuthathu, okukodwa komoya ngamunye
Ukugwegwesa umoya kusho ukukhetha uhlangothi umoya ovela kulo ngokuya ngokuthi ukuphi. Okungalindelekile ngakunye kunokujika kwakho okulungile. Ake sikubheke ngakunye, sihlale siqala ngekhoodinethi.
Umoya 1 — Isindleko esikhulu
Umbuzo akusiwo othi "nginayo yini imali ku-akhawunti?". Ngothi "lesi sindleko singibiza izinyanga ezingaki zokumboza, futhi singishiya kuphi?".
Izimo ezintathu.
Uma ngemva kokukhokha usala ngaphezu komkhawulo wakho wokuthula — ake sithi izinyanga ezintathu kumuntu onemali engenayo ezinzile — ukhokha ngemali esheshayo bese uyivala indaba. Ukumboza kwakukhona kanye ngenxa yalokhu.
Uma isindleko sikuyisa ngaphansi komkhawulo kepha hhayi ku-zero, ukhokha nokho ngemali esheshayo, kepha ubeke ohlelweni umsebenzi wokwakha kabusha. Yisimo sikaMarco.
Uma isindleko sikuqeda noma cishe, khona-ke isinqumo siyanda: mhlawumbe kuyahlehliswa izinkokhelo, mhlawumbe kwenziwa kuphela ingxenye ebalulekile manje. Kepha kuyisinqumo esithathwa kubukwa imephu, hhayi ngesisu.
Umthetho ongaphansi kwazo zontathu izimo: kuqala imali esheshayo, ngaphambi kwemalimboleko, ngaphambi kokuthengisa i-investment. Kuthathwa lapho kulimaza khona kancane.
Umoya 2 — Ukwehla kwemali engenayo
Lapha izinyanga zokumboza ziyayeka ukuba yidatha zibe yikhampasi yokusebenza.
Uma umoya kuwukwehla kwemali engenayo, ukumboza kukutshela ukuthi unesikhathi esingakanani sokugwedla ngaphambi kokuphoqeleka ezinqumweni zesimo esiphuthumayo.
Izinyanga ezinhlanu zokumboza zisho izinyanga ezinhlanu zokufuna iklayenti elisha, inkontileka entsha, indlela entsha — ngaphandle kokwamukela into yokuqala edlulayo ngoba nje ungafuni ukucwila.
Isikhathi, phambi kokwehla kwemali engenayo, siyisisetshenziswa esiyivelakancane kunazo zonke. Futhi izinyanga zokumboza ziyilokho kanye: isikhathi esithengwe kusengaphambili. Isikhathi sokwenqaba isicelo esibi. Isikhathi sokulinda esifanele.
Ongenakho ukumboza, phambi kokwehla kwemali engenayo, akagwegwesi umoya: uphushwa lapho umoya umyisa khona. Onakho, ukhetha indlela.
Umoya 3 — Imakethe ephansi
Lo ngumoya owethusa kakhulu futhi, cishe njalo, ongaceli sinyathelo.
Imakethe eyehlayo yehlisa inani lakho lemfuwa esele. Uyalibona, endaweni eqondile yomkhumbi, futhi akumnandi.
Kepha kukhona umehluko oshintsha konke. Leyo mali akusiyo ukumboza — ukumboza kwakhiwe kuphela ngemali esheshayo, leyo oyisebenzisa ngaphakathi kwamahora angu-24 ngaphandle kokuthengisa lutho. Ama-investment ayinto ehlukile: ayingxenye yemfuwa esebenza esikhathini eside.
Imakethe ephansi ithinta inombolo enkulu, inani lemfuwa esele. Ayithinti izinyanga ozibekezelayo.
Ngakho-ke, ezimweni eziningi kakhulu, inyathelo elilungile ukungenzi lutho. Ukuthengisa ngesikhathi sokwehla kusho ukuguqula ukulahlekelwa okusephepheni kube ukulahlekelwa kwangempela. Ngumgwedli othi, ebona igagasi, agxumele ngaphandle komkhumbi.
Lapha indawo eqondile yomkhumbi yenza umsebenzi wayo obaluleke kakhulu kanye ngokungakusundi ukuba wenze lutho. Ikukhombisa ukwehla, ikukhombise ukuthi ukumboza kwakho kusaphelele, bese ikuvumela uphefumule uze umoya ujike futhi — ngoba ujika njalo.
Ukuphela kokuqaphela kwangempela kuthathwa kusengaphambili, olwandle oluthule: ukugcina ukumboza emalini esheshayo hhayi phakathi kwama-investment, ukuze lapho imakethe yehla ungalokothi uphoqeleke ukuthengisa ngesikhathi esibi kunazo zonke.
Inzuzo yakhiwa ngesikhathi sezulu elihle
Kukhona iqiniso elingakhululekile kukho konke lokhu.
Inyathelo elimelene nokungalindelekile alifundwa ngesikhathi sokungalindelekile.
Umgwedli onolwazi uyakwazi ukugwegwesa umoya ngoba wenze indawo eqondile yomkhumbi izikhathi eziyinkulungwane ulwandle luthule, lapho kwakungasizi lutho oluphuthumayo. Ngakho, lapho umoya ujika, isenzo sesivele siyimvelo: ubuka indawo, bese enquma.
Kusebenza ngokufanayo ngqo emalini. Uma okokuqala ufuna indawo yakho eqondile yomkhumbi kusihlwa lapho imoto ifile khona, uyifuna usethukweni — futhi yisikhathi esibi kunazo zonke.
Yingakho uCashfulness egcizelela kangaka isenzo esincane esiphindaphindwayo: imizuzu eyishumi, ngezikhathi ezithile, ubuka ikhoodinethi lapho kungenzeki lutho. Cishe njalo akukho okumele kwenziwe. Yilokho kanye iphuzu.
Uzilolonga ukusabela. Ngakho, ngosuku umoya ojika ngalo ngempela, ukusabela kwakho kokuqala akusiso isisu esishwabanayo.
Yiso elibheka imephu.
Ukwazi ukuthi ukuphi akumisi umoya
Ngibuyela lapho ngiqale khona, ngoba yinto esenhliziyweni yami kakhulu.
Indawo eqondile yomkhumbi ayithembisi ulwandle oluthule. Alikho ithuluzi eliqotho elikuthembisayo, futhi qapha oyithembisayo.
Okungalindelekile kuzoqhubeka kufika ngaphambili, njengenjwayelo. Isindleko esikhulu, iklayenti elinyamalalayo, imakethe eyehlayo: kuyingxenye yokugwedla, akusiyo inkinga yesistimu.
Okushintshayo yindlela okudlula ngayo.
Ngaphandle kwekhoodinethi, umoya ngamunye ophambene uyinkinga encane: unquma ebumnyameni, ngokushesha, futhi ngokuvamile uzithole lapho ungafuni khona.
Ngekhoodinethi, umoya ofanayo uba yinyathelo lokugwedla. Wazi ukuthi ukuphi, wazi ukuthi ubekezela isikhathi esingakanani, wazi ukuthi yini ongayinyakazisa ngaphandle kokulimaza. Ukwesaba kushiya indawo embuzweni osebenzayo: yikuphi ukujika okulungile, manje?
Imali iyithuluzi lokuthenga isikhathi nenkululeko — hhayi iphupho okumele lilandelwe, hhayi isitha okumele silwiwe. Futhi phambi kokungalindelekile, inkululeko inesimo esiphathekayo kakhulu: ukukwazi ukukhetha inyathelo esikhundleni sokubekezelela igagasi.
UCashfulness akawumisi umoya.
Ukunika indawo ogwegwesa umoya usuka kuyo. Okusele — ukujika nini, ukucindezela kangakanani, ukuya kuphi — kuyisinqumo esihlala siba esakho. Usithatha unolwazi.
— Vittorio