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IMALI · UKUSEBENZISA KAHLE

Imali Ithengani Ngempela: Sebenzisa Enye Yayo Komunye Umuntu

Khokhela ukudla, khokhela isifundo, susa ibhili etafuleni lomunye umuntu. Imali echithwe komunye umuntu yiyo okusayizwa unyaka wonke kamuva, futhi ukuqamba isabelo sakho ngaphambi kokuba imali ifike kuguqula umuzwa wesikhashana kube yisinqumo.

Ozakwabo ababili bencike ndawonye ngaphezu kwelaptop, oyedwa ekhomba okuthile esikrinini.

Isithombe sithwetshulwe nguVitaly Gariev ku-Unsplash

Kufike ibhonasi, noma imali ebuyiselwe, noma umholo wokuqala obonakala umkhulu kunowedlule. Uwusebenzele, futhi uvunyelwe ukuwujabulela. Kodwa unesonto elilodwa nje ngaphambi kokuba unyamalale ube yinto ongeke ukwazi ukuyibiza ngegama kamuva, futhi umbono wakho owodwa kuze kube manje uwukuthenga inguqulo engcono yento osunayo.

Lokho kuthuthukisa yikho ukuthenga okubi kunakho konke ohlwini, futhi ukwazi lokho ngokwakho. Umuzwa omuhle owaphuma kokwedlule wahlala amasonto ambalwa, bese into entsha yaba yinto ejwayelekile.

Imali ithenga umuzwa omuhle ohlalayo, ngokwethembeka, ngezindlela ezimbalwa. Leyo ehlala isikhathi eside kunazo zonke yimali echithwa komunye umuntu: ukukhokhela ukudla, ukukhokhela isifundo, ukususa ibhili etafuleni lomngane. Leyo yiphuzu elisebenzayo mayelana nokuthi yikuphi ukuthenga okusakuzwa unyaka wonke kamuva, akulona iphuzu lokuziphatha.

Kungani into engizithengele yona iyeka ukuzwakala kahle ngokushesha?

Ngoba uyayijwayela, ngokushesha nangokuphelele, futhi ukujwayela yikho kanye lokho ukunaka kwakho okwenzayo kunoma yini ehlala injalo. Into oyiphethe iba yingemuva emasontweni ambalwa, yingakho ukuthuthukisa into osuvele unayo kuwukuthenga okuphila isikhathi esifushane kunakho konke.

Leli phethini kulula ukulihlola kuwe futhi awudingi ucwaningo ngalo. Bala izinto ezinhlanu zokugcina ozithengile ezingaphezu komkhawulo othile obalwa njengemali yangempela kuwe. Maka lezo ozibona namanje. Cishe njalo eziphila kakhulu yilezo ezashintsha into eyisisekelo, futhi cishe njalo ezifayo yilezo ezathatha into eyayisebenza kahle zayifaka esikhundleni ngenye esebenza kahle kancane nje ngaphezulu.

Lokho akusho ukuthi yeka ukuzithengela izinto, okungaba yimpilo encane futhi lesi akusona isihloko esimayelana nokufisa okuncane. Kusho ukuthi yazi ukuthi uthola ini. Ukuthuthukisa kuthenga amasonto ambalwa amahle, ngakho kubize ngobuqotho njengamasonto ambalwa amahle bese uyakuthenga noma kunjalo uma lawo masonto ekufanele.

Kufanele ngiphe kangakanani, futhi nginqume nini?

Nquma isabelo ngaphambi kokuba imali ifike, hhayi emva kwalokho. Uma kunqunywe kusengaphambili kuyisinqumo, uma kunqunywe emva kwalokho kuwumoya nje wesikhashana, yingakho cishe wonke umuntu olinda ukubona ukuthi kusele ini ethola ukuthi akusele lutho.

Lesi sihloko asikutsheli ukuthi isabelo kufanele sibe yini. Alikho iphesenti elilungile, awukho umkhawulo okumele uwedlule kuqala, futhi noma ubani obala inani lempilo yakho uyaqagela. Okubalulekile ukuthi lelo nani libe khona ngaphambi kokuba imali ibe khona, ngoba isabelo osiqambe kusengaphambili siyasinda inyanga lapho ungathanda ukungasenzi, kanti inhloso enhle ayisindi.

Indlela yokwenza iyabhora futhi yilokho okuwuphuzu. Qamba isabelo. Khetha lapho siya khona. Uma kuyimali, yenza kube ukudlulisa okumisiwe ngosuku olungaguquki ukuze kungabe kusadinga isinqumo. Uma kungeyona imali, futhi ngokuvamile ngeke kube yiyo, kubhale ekhasini elifanayo bese ukunika usuku olufanayo. Lonke ikhono lesi sigaba esikufundisa sona ukunquma kanye, kusengaphambili, ukuze inyanga enzima ingakwazi ukukuxoxisana kabusha, futhi ukupha kuyindawo esebenza kakhulu yokujwayeza lelo khono ngoba akukho lutho olungaphandle olukuphoqayo.

Kufanele ngizithengeleni ngemali esele?

Thenga isikhathi sakho ubuye naso kuqala. Kukho konke ongazithengela kona yikho kuphela okubuyisa amahora, futhi amahora yiwo owaguqula abe yileyo nto oyakhayo.

Ucwaningo olushicilelwe ku-Proceedings of the National Academy of Sciences mayelana nokuthenga isikhathi lwathola ukuthi ukusebenzisa imali ukususa imisebenzi ongayithandi kwakuhambisana nokwaneliseka okukhulu empilweni, nokuthi ocwaningweni lwasendaweni yangempela abantu babika injabulo eyengeziwe emva kokuthenga okusindisa isikhathi kunokuthenga into ephathekayo. Empeleni lokho ukuhlanza, uhambo lokuya emsebenzini, into oqhubeka nokuyenza kabi ngezikhathi zantambama zangeSonto. Futhi kukhona inguqulo eyandayo efanele ukubalwa: amahora abuyisiwe achithwe emandleni akho, ekuqeqeshweni, ekulaleni, ekhonweni, akhokha ngokuthi ungathwala kangakanani unyaka ozayo kunokuthi amasonto ambalwa alandelayo azwakala kanjani.

Bese kuba nezindlela ezintathu ezimayo. Izipiliyoni nabantu obathandayo, eziqhubeka zikhokha ngoba uqhubeka uzixoxa futhi. Injabulo emincane eyenzeka njalo esikhundleni sento eyodwa enkulu eyenzeka kanye, ngoba ukwenzeka njalo kunqoba ubukhulu lapho ubhekene nokujwayela. Nokususa into ecasulayo eyenzeka njalo, okuwukuthenga okungahlonishwa ngokwanele kulolu hlu ngoba kususa intela encane obuyikhokha masonto onke.

Ngingapha ngani uma ngingenayo imali eseleyo?

Yipha lokho okuyikho okwenza kahle ngempela, futhi ukunikeze umuntu othile othize. Ukupha okunenzuzo enkulu empilweni yokusebenza akubizi lutho ngaphandle kwesibindi. Lokho kukwenza kutholakale kuwe kusihlwa nje kungakhathaliseki ukuthi ibhonasi ibiyini.

Umsunguli wethu ukubeka ngokusobala okwakhe. Uthi enye imfihlo yempumelelo yakhe kwakuwukubuyisela, ukuthi wayebheka njalo amathuba okuqeqesha, ukufundisa, ukweluleka, ukuphakamisa, ukuncoma nokumela abantu ababesemkhakheni wakhe, nokuthi amandla nokusekelwa okwabuya kwakuphindwe kayishumi. Lokho kuwukulandisa kwakhe ngeminyaka yakhe engamashumi amabili hhayi umthetho wokuthi umhlaba uhlawula kanjani, futhi wakwenza indlela yonke eya phezulu kunokuba akwenze esefikile, okuyingxenye cishe engenziwa muntu.

Izinyathelo ezinhlanu, zonke zimahhala, zonke zingenzeka kuleli sonto. Yenza ukwazisa obungakugcina wedwa. Fundisa lokho okwaziyo, ngomlomo, kumuntu ongakawutholi lolo lwazi, okuyiyo futhi indlela esheshayo yokulwazi kahle. Zinikele ngekhono okhokhelwa ngalo hhayi ngamahora akho kuphela, ngoba intambama eyodwa yalokho oyingcweti kukho ilingana nesonto lokusiza okujwayelekile. Tshela ozakwenu omncane ukuthi uhola ngempela malini, okungomunye wemisho embalwa engashintsha inkokhelo yomunye umuntu. Bese umela othile ongazange acele, ongeke akwazi, futhi ongeke akwazi ukukukhokhela.

Kufanele ngiphakamise bani, futhi ngithini?

Phakamisa umuntu ngokusho igama lakhe, kanye nento ethile ayenzile, egumbini angekho kulo. Umeluleki unika izeluleko endaweni yekhofi kanti umphakamisi ukhuluma egumbini lapho izinqumo zenziwa khona, futhi abantu abaningi abakaze batshelwe ukuthi kunomehluko.

Lo mehluko akusiyo indlela nje yokukhetha amagama. Isihloko se-Harvard Business Review sokuthi kungani abesilisa besathola ukukhushulwa okwengeziwe kunabesifazane sabika lelo gebe ngokusobala: izinkampani zitshala kakhulu ekweluleni ithalente lazo elihle kodwa konke lokho kunakwa akuguquki kube ukuthuthuka, okwaholela ekutheni owesifazane oyedwa kuso athi weluleke waze wafa. Inkokhelo namathuba kunqunywa egumbini. Izeluleko zilethwa endaweni yekhofi. Uma wenza okwesibili kuphela unomusa, futhi lokho akubizi lutho komunye umuntu futhi akumtholeli lutho.

Inguqulo yasobala ukuncoma, futhi ukuqonda ngqo yilo lonke ikhono. Ukubonga okungacacile kuwumsindo. Sho isenzo, usisho phambi kwabantu abanombono obalulekile ngaye, futhi ukwenze ngaphakathi kwesonto ngenkathi wonke umuntu esakhumbula. Umsebenzi we-Gallup wokubongwa wathola ukuthi ukubongwa okukhunjulwa kakhulu kuvame ukuvela kumphathi womuntu noma kubaholi abaphezulu, kuqotho futhi kuqondene naye ngqo, futhi kufika kangcono lapho kwenziwa njalo futhi ngesikhathi kunokuba kugcinwe kuqongelelwe. Okusho ukuthi umusho obuhlose ukuwusho emhlanganweni olandelayo ubaluleke ngaphezu kwencwadi ecatshangelwe kahle ozoyithumela ngelinye ilanga.

Ukuthi lokhu kwenzani enanini elikuhlelo lwakho lwemali

Nansi ingxenye efanele isigaba semali kunesigaba sobumnene. Umuntu osenqume ukuthi isabelo esithile esimisiwe siya komunye umuntu useshintshile ukuthi lelo bhalansi lisho ukuthini lapho eyivula.

Imali osukhethe ukuyithumela kwenye indawo inomsebenzi. Iwumthombo onenhloso ehambisana nawo, futhi inani elinomsebenzi kulula kakhulu ukulibuka ngoLwesibili ebusuku kunenani eliwumphumela nje wokuthi wenza kanjani. Lowo akuwona umuzwa, kuwushintsho lwenqubo: usuvele wanquma ukuthi iyiphi ingxenye yayo eyokwenzani, ngakho ukuvula uhlelo kuwukuhlola isu kunokuthola ibanga. Abantu abakwazi ukuvula uhlelo bengesabi baxoxisana kangcono, balinde isikhathi eside, futhi benza izinqumo ezimbalwa ezibizayo ngokushesha, futhi lena yenye yezindlela ezishibhile kunazo zonke zokufika kulolo hlobo lokuzinza.

Ngakho thatha isonto onalo. Qamba isabelo ngaphambi kokuba imali inyakaze. Thenga amahora ambalwa uwabuyise. Thumela ukwazisa okukodwa bese usho igama lomuntu oyedwa ngomlomo egumbini angekho kulo. Bese uhamba uyosebenzela okwengeziwe, ngoba akukho okukulokhu okuyingxoxo yempilo encane. Yindlela impilo enkulu ehlala ngayo ifanelekile.

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