Funso lachuma lomwe likukhudzidwa ndipo, mwinamwake, lidzakhala lopindulitsa nthawi zonse. Koma zimachitika kuti ndikofunika kukhala opanda ndalama kwa kanthawi, mwachitsanzo sabata, izi zingatheke bwanji? Ndipo kawirikawiri, kodi izi n'zotheka? Zomwe zinachitikira anthu ena amanena kuti izi zimachitika, ndizokhazikika kukhala pansi, kusachita kanthu ndikukhala popanda ndalama sizimatuluka, umayenera kusuntha.
Kodi ndingakhale moyo wopanda ndalama?
Mwachidziwitso munthu aliyense wamakono, ku funso lakuti "mukhoza kukhala opanda ndalama", grins ndikuganiza kuti ngati izi zingatheke, munthu aliyense wachitatu angasiye ntchito yake. Koma, zikutuluka, pali gulu lonse "Dziko lopanda ndalama."
Wolimbikitsira, Heidemarie Schwemer, anagawira ndalamazo ku akaunti ya banki, ndipo anasiya nyumba ndi katundu wake wapadera ndi madola 200, mpaka lero mu thumba lake. Poganizira za momwe angakhalire wopanda ndalama kwa chaka chimodzi, Haidemari anayamba kuchita nawo ntchito yomwe sanawagwiritse ntchito zaka 17, akulipira chakudya, pogona, zovala ndi aganyu ake - agalu akuyenda, kutuluka ku masitolo akuluakulu, kuchita homuweki, ndi zina zotero.
Kodi mungakhale bwanji popanda ndalama?
Zomwe zinachitikira alendo okonda dziko la "Dziko popanda ndalama" ndizisonyezero, komabe musaiwale za zoweta zapakhomo. Inde, timakhalanso ndi mawebusaiti omwe akuthandizira kusinthana mwachibadwa kuti apatsane / kupereka zovala, chakudya cha mautumiki, kuwaitanira kuti azikhala nawo, ndi zina zotero. Koma izi zakhala zikuchitika kwa ife patapita zaka 10, ndipo malingaliro athu sali ofanana, chifukwa cha chikondi cha anthu cha "freebie", eni ake amamwera ndi masitolo samangokhulupirira kuti chakudya chawo munthu adzalipira ntchito yawo.
Choncho, tili ndi zosankha za momwe tingakhalire opanda ndalama kwa sabata kapena kuposerapo, zosiyana, komabe zilipo.
- Kwa ife ambiri ali ndi chisangalalo chotere monga malo okhala m'nyengo ya chilimwe, osakonda kugwiritsa ntchito osati mpumulo wokha, komanso kulima ndiwo zamasamba ndi zipatso. Ndipo perekani ndondomekoyi nthawi yochuluka ndi khama, amadza ndi kusintha kwakukulu monga mabedi ofunda , potsirizira pake kuchokera kumapeto kwa sabata ali ndi tani ya "lumbar" ndi zowawa pamadera omwewo. Ngati muli ndi anzanu otere kapena achibale, yesetsani kuwapatsa thandizo lanu kuti mupeze chakudya.
- Gwero la nyumba lingakhale nyumba zofanana, nthawi zambiri amafuna mlonda, yemwe amapatsidwa nyumba yachilimwe yokhalamo, ngakhale ndalama, ngakhale zili zochepa.
- Njira yopezera denga pamutu mwanu amadziwika bwino - kusamalira anthu achikulire okhaokha. Chinthu china ndi chakuti njira imeneyi simungakhale nayo nthawi ya moyo wanu, anthu okalamba ndi osiyana.
- Mukhoza kupeza chakudya pokhala ngati namwino mu sukulu, wophika m'chipinda chodyera, utumiki wopereka chakudya kunyumba, ndi zina zotero.
- Ndizoyenda ndi zovala, zinthu ndi zovuta. Koma iwo akhoza kuyesedwa kuti azigwira ntchito zapakhomo, kusamalira ana, kuthandiza ndi kukonzanso, ndi zina zotero. Ndipotu, panjirayi, ngati sitima, timayang'ana njinga, ndipo ndi zovala timamvetsa zinthu osati " kuchokera kumalo otsika ".
Monga momwe tingathe kuwonera, ngakhale kupambana kwa kayendetsedwe ka "Dziko Lopanda Ndalama" sikungatheke kukhala opanda ndalama konse, ndipo palibe amene atilola kuti tichite izi - chuma cha mayiko sichimangidwe ndi kusintha kwa chilengedwe.