Uyakwazi lokho okwenzayo futhi uhlose ukukhokhelwa kakhulu ngakho. Ungaphatha iphrojekthi kuwo wonke amaqembu amane ungalahli lutho, ungabamba ingxoxo enzima izwi lakho lingantengantengi, futhi unombono ocacile ngokuthi ufuna impilo yakho ibize malini. Bese kuba nohlelo lwebhange, oluvula ungaluvuli nakanye noma uluvule izikhathi eziyisishiyagalolunye ngosuku olulodwa, kanye nesibalo esiyilinganiso ekhanda lakho ongathanda ukusisho ngokuzwakalayo, uma nje singatholakala singelona.
Lelo gebe akulona iphutha lobuntu bakho. Yisikhathi esingahleliwe. Imali yingxenye eyodwa yempilo enezifiso lapho abantu abaningi abanamakhono bengabeki khona isikhathi sokubuyekeza, ngakho iphathwa ezimeni ezimbi kakhulu ezikhona: ebusuku, ngekhanda, ngenxa yokusabela okuthile. Ihora lemali lilungisa izimo esikhundleni sezinombolo, futhi yizona zimo obezikudla.
Kwenzekani ngempela ehoreni lemali?
Uhlala phansi ngosuku olufanayo njalo ngenyanga, uvule wonke ama-akhawunti onawo, bese ubhala izinombolo eziyisithupha ekhasini elilodwa ngokulandelana okungaguquki. Bese uphendula imibuzo emine emifushane, uphume noshintsho olulodwa nje.
Yilokho kuphela okwenziwayo. Kuyisicefe ngamabomu, futhi ubucefe yibona ubuhle bakho. Ngoba ukulandelana kungashintshi, ikhasi lale nyanga lingaqhathaniswa nelenyanga edlule cishe emasekhondini ayishumi ngaphandle kokubala nhlobo, bese kuthi ukuthambekela kwezinombolo kwenze umsebenzi obuzokwenziwa yispredishithi. Ngoba linesikhathi sokuphela, ngeke likwazi ukudla iSonto lonke bese likwenza ungabe usafuna ukuphinde ulenze.
Umsunguli we-KEEP CALM ukubeka kucace lokhu. Wasebenza kanzima impilo yakhe yonke, wafuna okuningi, futhi wathola izindlela zokuhlala ezolile kukho konke lokho, futhi isikhathi esimisiwe nezinombolo zakhe kwakuyenye yalezo zindlela. Ihora ngenyanga akuyona impilo encishisiwe. Yikho okuthenga emuva ilungelo lokuyeka ukucabanga ngemali kwamanye amahora angamakhulu ayisikhombisa neshumi nesishiyagalolunye, futhi lokho kunaka kuya ngqo entweni oyakhayo ngempela.
Yiziphi izinombolo eziyisithupha okufanele ngizibhale phansi?
Imali esesandleni, imali oyikweletayo, imali okweletwa yona, izindleko ezingaguquki zale nyanga, imali ekhululekile yale nyanga, kanye nomcamelo. Bhala eziyisithupha ezifanayo ngokulandelana okufanayo njalo, ngoba ukuqhathanisa yikho konke okudingekayo, futhi ukuqhathanisa kusebenza kuphela lapho kungekho okushintshayo.
- Imali esesandleni. Konke ongakusebenzisa namuhla, kuhlanganiswe kuwo wonke ama-akhawunti.
- Imali oyikweletayo. Amakhadi, izikweletu, kanye naleyo nto umngane akukhokhela yona ngoJuni. Isamba esisodwa.
- Imali okweletwa yona. Izindleko ezingakabuyiselwa, ama-invoyisi awaphumile, idiphozithi ebanjwe ngumuntu othile.
- Izindleko ezingaguquki zale nyanga. Indawo yokuhlala, ugesi namanzi, umshwalense, okubhalisiwe, ezokuthutha, kanye nokudla obungakuthenga nganoma iyiphi inyanga.
- Imali ekhululekile yale nyanga. Okusalayo ngemuva kwezindleko ezingaguquki. Yile nombolo abantu abaningi abangakaze bayibale nakanye.
- Umcamelo. Imali ebekelwe eceleni ongayisebenzisi. Ithola umugqa wayo ngoba iziphatha ngendlela ehlukile kukho konke okungenhla kwayo.
Imigqa eyisithupha ekhasini elilodwa. Inothi kufoni liyasebenza. Ikhasi elinemigqa kwibhukwana lisebenza kangcono, ngoba ikhasi ongalibamba eceleni kwelenyanga edlule libaluleke kakhulu kunamaspredishithi ayishumi ongeke uwavule.
Ukupha kungena kuphi ehoreni elimayelana nemali yami?
Dweba umugqa wesikhombisa ngaphansi kwaleyo eyisithupha bese uwubiza ngokuthi: ngisize bani kule nyanga. Wamukela igama ngokushesha okufanayo nesibalo, ngoba isethulo osenzile nekhosi oyikhokhele kuyinto eyodwa kuleli hora.
Isizathu sokuthi lowo mugqa ube khona ekhasini singesobuchwepheshe kunokuba sibe ngesikamoya. Lokho umuntu akubhala phansi izikhathi eziyishumi nambili ngonyaka yikho lokho lowo muntu aba yikho. Umugqa okumele uwubuke kanye ngenyanga ushintsha buthule lokho okuqaphelayo ezinsukwini ezingamashumi amabili nesishiyagalolunye ezisele, futhi yilelo iqhinga lonke. Umsunguli we-KEEP CALM uchaza ukupha njengenye yezimfihlo zempumelelo yakhe, okwenziwa yonke indlela eya phezulu hhayi ngemuva kokufika. Wayehlale efuna amathuba okuqeqesha, ukufundisa, ukweluleka, ukuphakamisa, ukubonga nokusekela abantu ababemzungezile, futhi uthi amandla nokusekelwa okwabuya kwakuphindwe kayishumi. Lokho kuwukulandisa kwakhe ngeminyaka yakhe engamashumi amabili hhayi umthetho, futhi kubaluleke ngendlela okulandisa okuqotho komuntu owabe ekhona kubaluleke ngayo.
Imithetho emibili igcina lo mugqa uwusizo. Amaningi angeke abe yimali, futhi akufanele abe yiyo: igama olisho egumbini lapho umuntu ebengekho khona, ihora lekhono okhokhelwa ngalo ngempela, inombolo oyitshele osebenza naye omusha ngesikhathi kungekho omunye owayezoyisho. Futhi inyanga engenalutho iyinyanga engenalutho, hhayi ukwehluleka. Ikhasi elikuthethisayo yikhasi oyeka ukuligcwalisa, futhi lokho kukubiza nezinye izinombolo eziyisithupha.
Ngiqeda kanjani phakathi kwehora ngingaweli emgodini?
Beka isikhathi sokuphela ekhalendeni, hhayi isikhathi sokuqala kuphela, bese ubhala phansi noma yini engathatha imizuzu engaphezu kwemihlanu esikhundleni sokuyenza manje. Ihora lelokubuka nelokushintsha into eyodwa. Alilona elokwakha kabusha uhlelo lwakho.
Uhlelo lokuhamba olubambayo:
- Imizuzu emibili. Sukuma, ukhiphe umoya kanye ngokunensa, bese uvula noma yini.
- Imizuzu eyishumi nanhlanu. Izinombolo eziyisithupha, ngokulandelana, zibhalwe phansi.
- Imizuzu eyishumi nanhlanu. Ikhasi lenyanga edlule eceleni kwaleli. Yini eshintshile, futhi ngakanani.
- Imizuzu eyishumi nanhlanu. Imibuzo emine.
- Imizuzu eyishumi. Ushintsho olulodwa, olubhalwe njengomusho onosuku kuwo.
Imibuzo emine imisiwe nayo, futhi yiyona mbangela yokuthi ihora likhiphe isinqumo esikhundleni sesimo somoya. Yini eshintshile kusukela enyangeni edlule? Yini engiyithengile ebengingayithenga futhi? Yiluphi ulunombolo olulodwa engifuna lube lwehlukile ngenyanga ezayo? Yini encane kunazo zonke engaluhambisa?
Ushintsho olulodwa. Hhayi olunhlanu. Ukubhalisa okukodwa okuhlala kukhanseliwe ngempela kuncoba uhlelo olusha lonke oluhlala kuze kufike umhla weshumi nane.
Ngenzenjani uma izinombolo zimbi kunalokho ebengikulindele?
Zibhale phansi noma kunjalo bese uqedela ihora. Inombolo oyibhale phansi yinombolo ongasebenza ngayo, futhi inombolo oyibalekelayo iyakhula ebumnyameni ithathe nokunaka kwakho.
Kuyasiza ukwazi ukuthi ukubalekela kuvamile hhayi okwakho wedwa. Izazi zezomnotho ezibuyekeza ucwaningo mayelana nokubalekela ulwazi ku-Journal of Economic Literature zathola ukuthi abantu bavamile ukwenqaba ulwazi ngisho noma lusizo, lumahhala futhi lungenayo inzuzo ecashile, ngenxa nje yendlela okulindeleke ukuthi lolo lwazi luzwakale ngayo. Lokho kukhulula ngendlela emangalisayo. Awukubi ngokwedlulele ngemali. Wenza lokho cishe wonke umuntu akwenzayo nganoma iyiphi inombolo engafika iphethe isahlulelo.
Ngakho khipha isahlulelo kukho. Izinombolo eziyisithupha ngamathuluzi, hhayi ikhadi lamaphuzu. Zichaza isimo, ngendlela imitha kaphethiloli echaza ngayo isimo, futhi isimo siyinto ongayishintsha ngoLwesine.
Ihora ngenyanga lithenga emuva amanye angamakhulu ayisikhombisa neshumi nesishiyagalolunye
Isizathu sokwenza lokhu akusikho ukuhlelela ubuhle. Ngamandla okwenza. Umuntu owazi izinombolo zakhe eziyisithupha uxoxisana ngezwi elizolile, ngoba uyazi ukuthi isicelo sisho ukuthini kuye ngempela. Angawushiya umcamelo unjalo iminyaka emihlanu, ngoba uyawubona. Angathatha ubungozi obufanele bathathwe futhi enqabe obungafanele, ngokushesha, ngaphandle kwesonto lokukhathazeka kuqala, futhi isivinini esinjalo siyanda emsebenzini ngendlela isinqumo esisodwa esihle esingeke sikwazi ukuyenza.
Imikhuba yakheka ngokuphindaphinda endaweni engaguquki, okuyindlela elula yokusho ukuthi okubhaliwe ekhalendeni kwenza umsebenzi omkhulu lapha kunamandla akho engqondo. Ngakho khetha usuku. Beka isikhathi sokuphela kulo. Bhala izinombolo eziyisithupha negama elilodwa, bese ubuyela ekwakheni into oyikhathalelayo ngempela.
Imithombo
- British Journal of General Practice, Making health habitual: the psychology of 'habit-formation' and general practice
- Consumer Financial Protection Bureau, Find out your financial well-being
- American Economic Association, Journal of Economic Literature, Information Avoidance