Amathiphu asheshayo
- Nika ukukhathazeka iwindi elilodwa elifushane nsuku zonke.
- Shayela ucingo olulodwa uye eselulekweni samahhala sezikweletu.
- Tshela umuntu oyedwa ukuthi imali iyingcosana.
Kuhora lesibili ekuseni futhi wenza izibalo ebumnyameni. Irenti, ibhalansi yekhadi, into imoto eyidingayo, imali onayo ngempela. Izinombolo azihlanganisi noma ngabe uzibala kangaki, ngakho uziphinda futhi. Awuxazululi lutho ngalesi sikhathi. Uyakwazi lokho. Ukukhathazeka akunandaba.
Uma lokho kunguwe muva nje, awuwedwa neze, futhi lokho akuyona induduzo elahlwayo. Imali ingenye yemithombo evame kakhulu yokucindezeleka ekhona. Ocwaningweni oluqhubekayo lwe-American Psychological Association i-Stress in America, cishe abantu abadala abayisikhombisa kwabayishumi bathi bazizwa becindezelekile ngemali okungenani ngesinye isikhathi, futhi cishe oyedwa kwabahlanu wachaza lokho kucindezeleka njengokwedlulele. Abantu abahola kancane babika ukukuzwa kanzima kakhulu, okunengqondo ngendlela ehlukumezayo: ngokwehla komcamelo onawo, yonke ibhili ifika njengesimo esiphuthumayo.
Ngakho lokhu akuwona umkhuba ombi, futhi akukona ukuthi awuyazi imali noma ubuthakathaka ngaphansi kwengcindezi. Ukucindezeleka kwezimali kungenye yezinkathazo ezinzima kakhulu, ezingokoqobo ngokomzimba, umuntu azithwalayo. Ake sikhulume ngokuthi kungani kukubamba kanzima kangaka, nokuthi yini ngempela esizayo lapho ungakwazi ukwenza imali eyengeziwe ivele.
Kungani ukukhathazeka ngemali kuzwakala kuhlukile
Ukucindezeleka okuningi kuyeza kuphinde kuhambe. Umhlangano onzima uyaphela. Ukulwa kuyapholisa. Ukukhathazeka ngemali kunezici ezimbili ezikwenza kunamathele kakhulu kunacishe noma yini enye.
Esokuqala ukuthi akulokothi kuphume ngokugcwele. Ukwethuka okubi kwezokwelapha kuyaxazululeka ngandlela thile. Isikweletu simane sihlale lapho, sikhula, nsuku zonke, kungakhathaliseki ukuthi uyasicabanga noma cha. Ubuchopho bakho buphatha usongo olungaxazululiwe njengesexwayiso esivulekile, ngakho buqhubeka kukukhumbuza ngezikhathi ezimbi kakhulu. Lapho ugeza. Phakathi kwomusho. Ngehora lesibili ekuseni.
Esesibili ukuthi imali ithinta konke okunye. Akuyona ingosi eyodwa yempilo yakho ongayivalela. Ifinyelela lapho uhlala khona, ukuthi uya kudokotela yini, ukuthi yini ongayinika izingane zakho, ukuthi uzizwa kanjani ungena egumbini. Isifinyezo se-APA socwaningo lwayo lwemali sikwenza lokhu kucace: ukukhathazeka ngezimali kungena ekuhlaleni, ekunakekelweni kwempilo, ezinqumeni zomndeni, nasebudlelwaneni. Yingakho kungazwakala kancane njengenkinga futhi kakhulu njengesimo sezulu ohlala phakathi kwaso.
Kukhona nedingiliza elinonya kukho, futhi. Ukucindezeleka kwenza ukucabanga okucacile kube nzima. Lapho ukhukhulekile, ingxenye yokuhlela yobuchopho bakho iyathula bese ingxenye yesexwayiso ithatha izintambo, okuyisimo esingalungile ngempela sokuvula isitatimende sasebhange noma sokwenza isinqumo esicophelelayo ngebhili. Ngakho ukukhathazeka kwenza imali ibe nzima ukubhekana nayo, futhi ukugwema imali kondla ukukhathazeka. Kuyazungeza.
Futhi akuhlali ekhanda lakho. Ingcindezi yemali ivela ebuthongweni bakho, esifisweni sakho sokudla, ekubekezeleni kwakho nabantu obathandayo. Ingenye yezinto ezivame kakhulu izithandani ezilwa ngazo, futhi izingxabano ngokuvamile azimayelana nemali. Zimayelana nokwesaba okugqoke isudi yemali. Uma usukwazi ukubona ukukhathazeka njengempendulo yomzimba wonke, engokomzimba, kunobufakazi bokwehluleka komuntu siqu, ungaqala ukukuphatha njengokunjalo, okuyinto yokuqala eyexegisa ngempela ukubamba kwako.
Ukuluqamba lolo dingiliza kubalulekile, ngoba indlela yokuphuma idlula kuzo zombili izinhlangothi zalo. Uzinzisa umzimba. Bese uthatha isinyathelo sangempela esisodwa esincane ngemali. Akukho nokukodwa kwakho kwanele kodwa. Ndawonye kuqala ukukuguqula.
Zinzisa umzimba ngaphambi kokuthinta izinombolo
Awukwazi ukuhlela isabelomali sakho ube nokuthula ngenkathi inhliziyo yakho ishaya. Ukucabanga ngeke kube khona. Ngaphambi kokuba ubheke noma yini yezimali, zinike imizuzwana engamashumi ayisithupha ukuze wehle kancane.
Ukukhipha umoya okude, okuncane iyona ndlela esheshayo onayo. Donsa umoya ngokubala okune, bese ukhipha umoya ngokubala okuyisithupha noma ngaphezulu. Ukukhipha umoya okuncane yingxenye enika umzimba wakho isignali yokuthi kuphephile ukuthi udambe. Kwenze izikhathi ezimbalwa. Awuzami ukuzizwa kahle kakhulu. Uzama ukucaca ngokwanele ukuze ucabange.
Bese ubiyela ukukhathazeka. Ukukhathazeka ngemali kuthanda ukuba yonke indawo ngaso sonke isikhathi, ngakho kunike indawo nomkhawulo. Khetha imizuzu eyishumi nanhlanu noma engamashumi amabili, uhlale phansi nezinombolo zangempela, wenze ukucabanga kwezimali lapho. Uma isikhathi siphelile, usuqedile ngosuku. Uma ukukhathazeka kuvela phakathi kwamabili, ungakutshela, ngokwethembeka, ukuthi une-aphoyintimenti nako kusasa. Lokho akukona ukuphika. Kuwumehluko phakathi kokubhekana nezimali zakho nokuhlutshwa yizo.
Shintshanisa inkungu ngohlelo ongalubona
Iseluleko esisodwa esivame kakhulu esisekelwe ubufakazi ngokucindezeleka kwemali cishe siyadina, okuyingxenye yesizathu sokuthi sisebenze: khipha ukwesaba okungacacile ekhanda lakho ukubeke entweni ongayibuka.
Inkungu yiyo ekhwezela ukwethuka. "Ngiyaminza" kuyethusa futhi akunasimo. Uhlu lwalokho okukweletayo ngempela, ukuthi kubani, nanini, kumane kube uhlu. Kungaba uhlu olunzima. Kusencane kunokwesaba, ngoba ukwesaba akunazingcele kanti uhlu lunazo. I-NHS, esiqondisweni sayo sokubhekana nokukhathazeka kwezimali, ibeka ukubhekana nesimo esikhundleni sokusigwema eduze naphezulu, ngenxa yalesi sizathu ngqo.
- Bhala phansi okungenayo nyanga zonke nokuphumayo. Konke kwakho, ngisho nezingxenye ezimbi. Awuvunyelwe ukukwahlulela okwamanje. Umane uyabheka.
- Hlela lokho okukweletayo ngokuthi yikuphi okuphuthumayo ngempela, irenti, izinsiza, noma yini egcina uphahla phezu kwakho nezibani zivutha, kuqhathaniswa nalokho okungalinda noma okungaxoxiswana ngakho.
- Khetha into eyodwa ongayenza kuleli sonto. Ucingo olulodwa. Inkokhelo eyodwa ehanjisiwe. Ukubhalisa okukodwa okukhanseliwe. Hhayi intaba yonke.
Leso sinyathelo sokugcina yiso esishintsha ngempela indlela ozizwa ngayo, nakhu isizathu. Ukucindezeleka kwemali, empeleni, kuwumuzwa wokungabi nokulawula. Sonke isinyathelo esincane osithathayo siyingxenye yokulawula okubuyayo. Imali oyikweletayo ingase inganyakazi kangako kuleli sonto. Umuzwa wakho wokukwazi ukwenza okuthile ngayo ungahamba kakhulu. Lokho akuyona into engelutho. Yiyo into ekwenza ulale.
Vikela izinto eziyisisekelo, ikakhulukazi lapho ungathanda ukungakwenzi
Lapho imali iyinkinga, izinsizakalo ezijwayelekile ziyizinto zokuqala ezihambayo, futhi yizo ezimbi kakhulu ukuzilahlekelwa. Uyeka ukulala kahle. Weqa ukuhamba. Uthola isiphuzo ukuze ukhiphe ukucasuka. Ngakunye kwalokho kuzwakala kuncane. Ndawonye kumbulula kanye ukuqina okudingayo ukuze ubhekane nento enzima.
- Gcina uhlobo oluthile lwenqubo. Ukucindezeleka konakalisa ubuthongo nokudla, futhi ubuthongo obonakele bwenza yonke into izwakale iyinhlekelele kunalokho okuyikho. Ukulala nokuvuka cishe ngesikhathi esifanayo yinto encane ephethe okuningi.
- Yehlisa utshwala. Kuyisikhwezeli esicacile sokuvala ingqondo egijimayo, futhi esibi. I-NHS iqondile ngalokhu: ukuphuza ngeke kukusize ukubhekana nenkinga futhi kuvame ukwengeza ekucindezelekeni okungaphansi kwako. Ukukhululeka kufushane futhi ekuseni kubi kakhulu.
- Nyakazisa umzimba wakho, ngisho kancane. Ukuhamba akuyikhokheli ibhili. Kuyashisa okunye kwamakhemikhali esexwayiso akugcina uphelelwe amandla, okwenza isinqumo esilandelayo sibe lula ukusenza kahle.
- Ungathuli. Amahloni emali anamandla, futhi akusunduza ukuthi ucashe, ukhansele nabangani, ukuthwale wedwa. Ukutshela umuntu oyedwa omethembayo iqiniso elisobala, "izinto zinzima ngempela njengamanje," kususa isisindo esimangalisayo. Awudingi ukuthi bakulungise. Udinga ukungabi wedwa okuphethe.
Leyo yokugcina ibaluleke kakhulu kunalokho ebonakala ngakho. Ubuhlungu obuningi bokucindezeleka kwezimali abukona imali uqobo. Yimfihlo nokuzisola okuqoqelwe phezu kwayo.
Qaphela indlela ozikhuluma ngayo
Kukhona izwi elivame ukuvela nezinkinga zemali, futhi linonya. Bekufanele wazi kangcono. Wonke umuntu omunye ukuqondile lokhu. Uhlala wenza lokhu. Lelo zwi lizwakala njengokuziphendulela. Akunjalo. Kumane kube unya, futhi kukwenza kube namathuba amaningi okuthi ume uthi nya ucashe, hhayi mancane.
Ubunzima bezimali obuningi buhlobene kakhulu nezimo kunobuntu: amaholo angahambisananga, ibhili lezokwelapha okungekho oyihlelayo, ukuxoshwa emsebenzini, izibalo ezilula zezindleko ezikhuphukayo. Ukuzikhulumela ngendlela obungakhuluma ngayo nomngane omuhle osesimweni esifanayo akuyona into ethambile. Kukugcina usebenza. Umuntu ominza emahlonini ugwema isitatimende sasebhange. Umuntu ozenzela umusa owanele ukuze ahlale ezinzile uyasivula bese enza ucingo.
Thola usizo lwangempela, ezinhlangothini zombili
Kunezinhlobo ezimbili zosizo lapha, futhi ungase udinge zombili.
Ohlangothini lwemali, akudingeki ukuthi ukuxazulule wedwa, futhi akufanele. Iseluleko sesikweletu samahhala, esiyimfihlo sikhona, futhi abantu abasenzayo bazibonile zonke izimo ongazicabanga ngaphandle kokuthuthumela. Bangakusiza ubeke phambili lokho okumele ukukhokhe, bakhulume nababakweletayo egameni lakho, basungule uhlelo olungokoqobo, futhi bathole izinketho obungazazi ukuthi zikhona. Umeluleki wesikweletu ongenzi nzuzo, uhlelo lokweluleka lwezimali lomphakathi, noma umgqa oyiqiniso weseluleko sezikweletu, konke kungakwenza lokhu, futhi akukho nokukodwa kwakho okuzokujabhisa ngokushayela. Kodwa qaphela noma ubani othembisa ukususa isikweletu sakho ngenkokhelo yangaphambili noma okuphoqa ukuthi unqume ngokushesha. Usizo lwangempela lunesineke futhi ngokuvamile lumahhala. Ukufinyelela kungenye yezinto ezisebenza kakhulu ongazenza, futhi kuvame ukwehlisa ukukhathazeka ngokushesha, ngoba ukungazazi izinketho zakho kuyingxenye enkulu yalokho okwenza ukwesaba imali kube nomsindo kangaka. Ngesikhathi okungaziwa kuba uhlelo, umsindo uyehla.
Ohlangothini lwempilo yengqondo, naka ukuthi lokhu sekunesikhathi esingakanani kuhleli phezu kwakho. Ukuzizwa uphansi noma ukhathazekile lapho ungaphansi kwengcindezi yezimali yangempela kuyimpendulo ejwayelekile esimweni esinzima, hhayi uphawu lokuthi kukhona okungalungile ngawe. Kodwa uma ukukhathazeka bekunzima ngaphezu kwamasonto ambalwa, uma ungalali, uma ungakwazi ukuqeda ukwesaba, uma usuyekile ukukwazi ukujabulela noma yini, lokho kufanele ukulethe kudokotela noma kumelaphi. Bangakusiza ngengxenye iseluleko semali esingeke sifinyelele kuyo, indlela ingcindezi engene ngayo emzimbeni wakho nasemicabangweni yakho.
Futhi uma kuke kwedlula ukucindezeleka, uma isisindo siqala ukuzwakala singaphezu kwalokho ongakuthwala, noma uzithola ucabanga ukuthi kungcono ungabikho, kuphathe njengesimo esiphuthumayo esiyiso bese ufuna usizo manje. Hhayi kusasa. Izinkinga zemali ziyaphileka, zonke zazo, ngisho nalezo ezingazwakali kanjalo ngehora lesithathu ekuseni. Abantu abangakusiza kuzo zombili izingxenye zalokhu bangokoqobo, futhi akunzima ukufinyelela kubo.
Inombolo esesikrinini ayisona isilinganiso sakho. Iyinkinga, futhi izinkinga ziyaxazululwa, ngokuphefumula okukodwa okuzinzisayo nesinyathelo esisodwa esincane ngesikhathi.
Imithombo
- American Psychological Association, American Psychological Association Survey Shows Money Stress Weighing on Americans' Health Nationwide
- American Psychological Association, Money
- NHS, How to cope with financial worries
- HelpGuide.org, Coping with Financial Stress