Uma othile ekhwela okokuqala emkhunjini onezelwa, ngokuvamile akakwenzi lokho njengomqhubi.
Ukwenza njengesihambi.
Akakwazi ukufunda umoya, akazi ukuthi yiyiphi intambo okumele ayidonse, ngeke akwazi ukubuyisa umkhumbi echibini uma esale yedwa. Futhi kulungile lokho. Akakhwelanga ukuze athathe iwili. Ukhwele ngoba kuwili kunomunye umuntu, umuntu owaziyo akwenzayo.
Kukhona igama eliqondile kulowo muntu: i-skipper (okusho umqondisi wesikebhe). Nguye osebenza njengomqondisi onesibopho somkhumbi kanye nabasebenzi bawo. Nguye obala indlela, ozwa isimo sezulu esishintshayo, olawula ulwandle uma seluba nzima, futhi akubuyisele ekhaya.
I-skipper iyakwazi ukuhamba kahle kangangokuthi wena, emkhunjini, ungalala nakanjani.
Ngithanda ukucabanga ngoCashfulness ngendlela efanayo nakanjani.
I-app iyi-skipper. Wena ungumuntu okhwela emkhunjini.
Futhi lapha ngifuna ukukutshela into engavamile ukushiwo ama-app ezimali, ngoba afuna wena ube ngumqondisi kusukela kumzuzu wokuqala.
Wena, cishe, wawuvele use-castaway
Cishe akekho umuntu ofika ku-app yezimali zomuntu siqu njengomuntu ophephile ozizwayo.
Umuntu ufika enezibazi.
Mhlawumbe wazama i-Excel: yasebenza amasonto amathathu, kwabe sekuphulwa ifomula futhi awuzange uphinde uyivule.
Mhlawumbe i-Kakebo, incwajana yaseJapan yezindleko: enhle esitolo sezincwadi, ishiywe ngoFebruwari.
Mhlawumbe i-app "elula", eyayikubala amakhofi kodwa ingakaze ikutshele ukuthi ufike kanjani ngempela.
Mhlawumbe idayari yephepha, enezinombolo ezibhalwe ngepeni ezingazange ziphindaphindeke zona.
Nganye yalezi zinzuzo yaphetha ngendlela efanayo. Hhayi ngenhlekelele. Ngokuyeka kuthule.
Futhi njalo lapho uyeka, awucabangi ukuthi "ithuluzi belingalungile". Ucabanga ukuthi "yimi ongakwazi".
Lokho isibazi. Akuwona ukungazi — kuwukudumazeka. Isithembiso osenza kuwena futhi ongasigcinanga, futhi.
Ngakho-ke, uma ngisebenzisa igama elithi castaway (osindile emkhunjini oshayekile), angilisebenzisi ukukuthuka.
Ngilisebenzisa ngokuphambene: ukususa kuwe icala okungelona elakho.
I-castaway akudingeki ibe yi-skipper
Kukhona ukuxaka okusabalele emhlabeni wezimali zomuntu siqu.
Umbono wokuthi, ukuze ulungise izimali zakho, kufanele kuqala ube ngoyiphi ohlakaniphile. Ufunde, uqonde izimakethe, ufunde amagama abucayi, uziguqule ube inguqulo ehlelekile futhi enekhono kakhulu yakho.
Ngamanye amagama: qala ube yi-skipper, khona-ke uzokwazi ukuhamba ngokuzola.
Mina ngicabanga ngokuphambene ngokuphelele.
Wena awudingi ukuba yi-skipper. Wena udinga ukukhwela emkhunjini onezelwa i-skipper.
Umehluko mkhulu.
Ecaleni lokuqala, ukuzola kuwumklomelo okude: kufika mhlawumbe, ngolunye usuku, uma ubambelela ekufundeni nasekuzihlokoleni ngokwanele isikhathi eside. Cishe akekho ofika lapho — ngakho-ke enye inzuzo ishiyiwe.
Ecaleni lesibili, ukuzola kufika cishe ngokushesha. Hhayi ngoba ufunde ukuhamba ngomkhumbi, kodwa ngoba kunomuntu othembekile ewilini, futhi uyakwazi lokho.
Kamuva, impela, uyafunda. Kodwa ufunda usukhona emkhunjini, ubuka, ubuza imibuzo lapho uthanda. Hhayi ekilasini, hhayi ngaphansi kokuhlolwa, hhayi ngomuzwa wokuthi kufanele ufakazele okuthile.
Kufundwa kangcono kakhulu ngale ndlela.
Yini i-skipper eyikwenzela wena
Ake ngiveze ngokuqondile, ukuze i-"skipper" ingasali njengegama elihle kuphela.
Yini uCashfulness ayikwenzayo ongasadingi ukuyenza ngesandla?
Ugcina izimpahla ngokubhalwa kwezimali okuphindwe kabili.
Ukubhalwa kwezimali okuphindwe kabili kuwubuchwepheshe bokubhalwa kwezimali obukhona kusukela ngo-1494: yonke inyakazo yemali ibhalwa kabili, ezinhlangothini ezimbili ezilinganiselana — ababhali bezimali babiza lezi zinhlangothi Debit neKredithi. Ungesabi: azizona izikweletu, ziyizingxenye ezimbili zombhalo owodwa. Kuwukuqina okufanayo amabhizinisi asebenzise okwamakhulu ayisithupha eminyaka, kulethwe ekhaya lakho ngaphandle kokuncishiswa.
Wena awudingi ukwazi lutho ngakho konke lokhu ukuze ukusebenzise.
Ezinsukwini zakho zokuqala, i-app ikhuluma ngolimi osewulwazi: imali engenayo, izindleko, konke kulingana. Ukubhalwa kwezimali okuphindwe kabili kusebenza ngaphansi, kungabonakali, njengenjini ngaphansi kwe-deki yomkhumbi. Amagama angempela — Debit, Kredithi, ukulinganisa — uzowathola kamuva, uma uthanda, echazwe ngamunye. Awuzange ubagxumele kuwe emzuzwini wokuqala.
Yini oyithola njengesinxephezelo?
Inombolo eyodwa kuphela, ihlala ibuyekeziwe: inani lakho lonke. Konke onakho, ususa konke okweletayo. Emkhunjini bengingayibiza ngokuthi indawo eqondile yomkhumbi — indawo yakho eqondile emephini, kulesi sikhathi. (Ngikhulume ngalokhu lapha, uma ufuna ukujula.)
Yonke inyakazo oyibhalayo ibuyekeza leyo ndawo yodwa. Wena awusenzi isihlanganiso. Kwenziwa yi-skipper.
Ubusuku noMarco
Ake sithathe isibonelo, ukuze kucace kangcono.
UMarco uneminyaka engu-38 ubudala, umsebenzi oholelwayo, umlingani, isikweletu sendlu. Ku-akhawunti yakhe ubona iholo elingenayo nezinto eziningi eziphumayo, kodwa uma umbuza "unani elingakanani, namuhla, konke kubalwa?" uphakamisa amahlombe.
Wazama i-Excel eminyakeni emibili edlule. Wayeka.
Ngobunye ubusuku uhlala phansi enze lokho esikubiza nge-Ukuhlolwa Kwempahla: i-app imhambisana isinyathelo ngesinyathelo ukuze abhale phansi ayanho. I-akhawunti yakhe. Isilondolozo ayifake yena eceleni. Imoto, ngenani lanamuhla, hhayi ngentengo ayithenge ngayo. Indlu. Kanti nakolunye uhlangothi: isikweletu esisele, izinkokhelo ezimbili ezisavuliwe.
Akuyona i-marathon. Kuyinqubo eqondiswayo: i-app imbuza into eyodwa ngesikhathi, aphendule, futhi ngaleso sikhathi isithombe siyakhiwa.
Ekugcineni, okokuqala, ubona inombolo eyodwa.
Hhayi iholo. Hhayi ibhalansi ye-akhawunti. Inombolo yangempela: unani elingakanani uMarco, konke kubalwa, kulesi sikhathi.
Ngalobo busuku uMarco akazange afunde izimali. Akafundanga ncwadi, akaziqondanga izimakethe.
Wenza into eyodwa kuphela: wakhwela emkhunjini.
Kusukela ngaleso sikhathi, zonke izindleko azibhalayo — ngisho ne-kofi ye-1,20 € — ibuyekeza leyo nombolo yodwa. UMarco akasenzi isihlanganiso futhi. Uyabuka nje.
Ukukhwela emkhunjini akuyona uvivinyo
Lena ingxenye engijabulisa kakhulu.
Uma ukhwela emkhunjini one-skipper enhle, akakuhloli. Akakuceli ukuthi ufakazele ukuthi uyakwazi ukwenza izinhlanganisela. Akakubuki kabi uma ungazwisisi indlela yokuhamba.
Ukunika isikhala, akuchazele lokho ofuna ukukwazi, futhi kokunye uyahamba.
UCashfulness uklanyelwe ukusebenza kanjalo.
Awukuniki amamaki. Awekho amaphuzu, izindondo, izilinganiso, "imithetho emihlanu yegolide" okumele uyilandele ukuze uzizwe umuhle. Leyo nto — babiza ngokuthi i-gamification — iguqula imali yakho ibe yi-video game, kanti imali yakho ayisiyo umdlalo.
Awukugigi lapho izindleko ziphakama kunalokho okwakulindelekile. Azikho izikrini ezibomvu, awukho u-"uyaphutha!". Uma kunento okufanele ibukwe, ngikutshela ngokuzola, futhi lapho ngikwazi ngiphakamisa nendlela yokuphuma.
Futhi awukuthumeleli izaziso ukukuphoqa ukuba ubuyele ku-app. Izinto ezimbalwa engikubhalela zona zisenzelwe wena — "kusele izinsuku ezinhlanu ukuvala isabelomali, usendleleni efanele" — hhayi izimemezelo zokukhangisa. Wena uvula uCashfulness lapho kukudinga wena, hhayi lapho kudinga thina.
Iphuzu yileli: i-castaway ayidingi olunye uvivinyo. Selehluleke kaningi.
Idinga indawo lapho engaphutha khona ngaphandle kwehlazo, ifunde ngaphandle kokushesha, futhi ngaleso sikhathi yazi — ekugcineni — lapho ikhona.
I-skipper ayinqumeli wena indlela
Qaphela ukuthi ungayiqondi kabi.
I-skipper akusho umuntu onqumela impilo yakho.
UCashfulness akakutsheli ukuthi kufanele uthenge indlu. Akakutsheli ukuthi kufanele ushintshe umsebenzi. Akakutsheli ukuthi kufanele usize umntanakho, kufanele uthengise utshalomali, kufanele uzivumele lolo hambo.
Lokho kukhethwa okwakho, futhi kufanele kuhlale kungokwakho. Wena ungumnikazi womkhumbi. I-skipper akuyona inkosi: nguye ogcina iwili linganyakazi ngenkathi wena unquma ukuthi ufuna ukuya kuphi.
Lokho i-skipper ekunika khona indawo yokuqala: lapho ukhona manje, ngokunembile. I-coordinate.
Ukwazi lapho ukhona akukubophezeli.
Ikuvumela ukuthi ukhethe ngempela, esikhundleni sokukhetha ngokuzizwela — okusolwandle, njengasezimalini, kuyindlela esheshayo yokuphelela lapho ubungafuni khona.
Futhi kukhona nento eyodwa yokugcina, ngoba i-castaway isifundile ukungathembi kalula.
I-skipper kaCashfulness ayinazo izinhloso ezifihlekile ngenombolo ekukhombisa yona. Ayikuthengiseli imikhiqizo yezimali, ayithathi ikhomishini kulokho okwenza ngemali yakho, ayikusundeli ohlelweni lokutshala imali ngoba izuza kulo. Inombolo oyibonayo eyakho kuphela, ibaliwe ngokuqotho. Ithuluzi alinacala.
Futhi izikhwama zakho zihlala zingezakho: uyabhalisa ngesiteketiso esilula, ngaphandle kokunikeza igama, isibongo, inombolo yesazisi. I-skipper ikubuyisela ekhaya ngaphandle kokukubuza ukuthi ungubani.
Lapho ukuya khona umkhumbi
Kukhona isizathu sokuthi lengathekiso ihlale iqinile kuze kube sekugcineni, futhi akuyona nje into yokuhlobisa.
Ichibi eliphephile — ichibi eliphephile lapho umkhumbi umi ngokuphepha unqamula khona — yikuzimela. Iphuzu lapho unesikhala esanele ukuze ungadingi ukusho yebo kukho konke ngenkani. Lapho imali yenza lokho okufanele: ikuthengela isikhathi nenkululeko, hhayi ukukhathazeka.
Awufiki lapho ngobusuku obubodwa. Kodwa awufiki lapho futhi ngokuhlala ubambelele emithini yomkhumbi oshayekile, wenza futhi izibalo ezifanayo ngesandla ngethemba lokuthi manje zizohambisana.
Ufika lapho ngokukhwela phezu kwento entantayo. Futhi uvumele i-skipper yenze ingxenye yayo, ngenkathi wena, kancane, ufunda ingxenye yakho.
Wena awudingi ukuba uchwepheshe.
Udinga kuphela ukukhwela emkhunjini.
Ewilini, kulesi sikhathi, kunomuntu owazi indlela.
— Vittorio