Ingabe ukucabanga kwabantu kunquma ingcebo? Yembula ukuxhumana okumangalisayo phakathi kwekhono lokucabanga kanye nenkululeko yezezimali!

"Imali iyisibuko somlingo, embula ukuhaha nokwesaba ezindaweni ezijulile zemvelo yomuntu." Lo musho uyibhoboza kahle i-psychology ephikisanayo yabantu abadala - simemeza sithi "imali iyimpande yakho konke okubi" kuyilapho sibala ngokuphindaphindiwe ibhalansi yamakhadi ethu asebhange ebusuku kakhulu.

Uyini umehluko phakathi kwabantu abampofu nabacebile?

Manje ngizoNgizosebenzisa ummese obukhali kakhulu.Ukuhlukanisa izimo ezinhlanu ezivamile mayelana nemali. Uhlobo luni lobuntu olufihlwe esikhwameni sakho?

Uhlobo lokuqala lwabantu: abaphunyukayo abakhubazekile

Bagwema ukukhuluma ngemali efana nenhlupho, futhi bavame ukudlulisa umyalezo othi “ingcebo engokomoya ingcono kunenala yezinto ezibonakalayo” embuthanweni wabo wabangane, kodwa babambe amazinyo ngasese lapho ozakwabo bekhushulelwa esikhundleni futhi bekhushulelwa. Lolu hlobo lwabantu lufihla ukuthi lusengozini ngokwenza sengathi “alunandaba nodumo nengcebo” futhi alufuni ngisho nokuvula izikweletu zamakhadi okuthenga ngesikweleti - kube sengathi ubumpofu abukho uma bengabhekani nezinombolo.

USocrates wathi, “Ukwaneliseka kuyinjabulo enkulu kakhulu,” kodwa iqiniso liwukuthi amarenti nezintengo azilokothi zimane ngenxa yamanani aphezulu. Ngake ngabona imbongi yathi “ngeke ikhothame ukuze ithole izinhlamvu zesiliva ezimbalwa” yabe isicela ukukhokhelwa abantu abaningi ngoba yayingenayo imali yokukhokha idiphozithi yasesibhedlela. Umongo wokugwema isihloko semali ukuvala ukuntula kolwazi lwezezimali ngomqondo ongamanga wokuziphakamisa, njengentshe egqiba ikhanda esihlabathini futhi yenza sengathi ingozi ayikaze isondele.

Uhlobo 2: Abaqaphi babuswa ukwesaba

Isiqubulo sempilo yabo sithi "uma wonga imali eningi, ubungozi buyancipha", kodwa lapho imakethe yamasheya iyancipha, bayaphithizela futhi bayaqhaqhazela phambi kweshadi le-K-line. Lolu hlobo lwabantu luphatha inani lemali abayilondolozile njenge-talisman Bangathanda ukuhamba amakhilomitha amathathu ukuze bonge amasenti angamashumi amahlanu, beziphendulela izinguqulo zesimanje zeGrandet.

Izindela ezincane zeThempeli laseTongdosa eNingizimu KoreaImpiloKuwukukhetha okusebenzayo, kuyilapho ukukhathazeka kwama-hoarders kubangelwa ukuzivikela okungenzi lutho. Kufana nomuntu ominza ebambelele ku-lifebuoy, amaqupha abe mhlophe kodwa akazi ukuthi akhululeke kanjani. Njengoba "I-Psychology of Money" yembula: abalondolozi abayimpoqo abaqoqi ingcebo, kodwa bagcwalisa umgodi omnyama wokuphepha kwangaphakathi.

Uhlobo lwesithathu lwabantu: abaqageli abazitika ngephupho lokuceba ngokushesha

Nginezinhlelo zokusebenza eziyisishagalombili zokuphatha izimali ezifakiwe kufoni yami futhi ngikholelwa ngokuqinile ukuthi nginguye okhethiwe. Bazimisele ngokudlulisela phambili "Izimfihlo Zokuthola I-100,000 Yuan Ngenyanga Ngomsebenzi Oseceleni", kodwa bafana nje nabalimi abalinda onogwaja ukuba beze kubo futhi basebenzise ukuphupha emini esikhundleni sesenzo.

U-Ken Honda ushaya isikhonkwane ekhanda elithi "Imali Ejabulisayo": Lolu hlobo lwabantu lulinganisa ukuqoqwa kwengcebo nokugembula, kodwa khohlwa ukuthi inkululeko yangempela yezimali idinga isineke esifanayo nokuhlakulela ibhonsai. Umfana odilivayo engimaziyo useneminyaka emithathu efunda ama-algorithms elotho Umklomelo omkhulu kunawo wonke ake awuwina "ilinye ibhodlela", kodwa uphule amabhayisikili amathathu kagesi. Usizi lomuntu oqagelayo ukuthi usebenzisa ubuhlakani bobuchule ukuvala ubuvila bamaqhinga.

Uhlobo lwesine lwabantu: abantu abanengqondo abalawula i-equation yengcebo

Baxhumanisa ukuhamba kwezimali njengomqhubi we-symphony: u-20% utshalwa njalo njengembewu yokuhlwanyela, u-30% wemali engenayo evela emisebenzini eseceleni usetshenziselwa ukuthena amagatsha, kanti u-50% wendawo yokugcina izimo eziphuthumayo ungamanethi angangeni ezinambuzaneni. Lolu hlobo lwabantu lukwazi kahle ukuhlakanipha "kokuqongelela ukufaneleka nokuzuza zonke izinto eziphilayo" ku-"Medicine Buddha Sutra" futhi lubheka ukuphathwa kwezimali njengomdlalo wokuthuthukisa ingqondo.

Abangane bami abangabahleli banqamula amaholo abo ngomqondo osekelwe kukhodi: hhayi ngoba benolaka, kodwa ngoba befuna ukwazi ukubhala ikhodi olwandle lwaseMaldives eminyakeni emihlanu kamuva. Abantu abanengqondo bayakwazi umlingo "wokwanelisa ukubambezeleka", njengoba nje "I-Antifragile" igcizelela: ukuphepha kwengcebo yangempela kuvela ekuhlelweni okuhlelekile, hhayi izinombolo ngokwazo.

Uhlobo lwesihlanu lwabantu: Abenzi bemvula abagxile ekudaleni inani

Bavame ukuthi "Anginasithakazelo emalini", kodwa bakha i-oasis yengcebo emkhakheni wabo wokugxila. Njengalapho uSteve Jobs ehlanganisa amakhompiyutha egaraji lakhe, akazange acabange ngokukhuphuka nokuwa kwezintengo zesitoko. Into esabekayo ngalolu hlobo lwabantu ukuthi lapho ukudalwa kwenani kwenza umphumela we-siphon, imali izofuduka ngokuzenzakalelayo njengezinyoni ezifudukayo.

Isifungo esikhulu seshumi nambili seMedicine Buddha Sutra sithi, "Ngazo zonke izinhlobo zezingubo ezinhle, zonke zizoba ziningi."UMa YunAmehlo agqolozele isibuko sekhompuyutha kumavidiyo asekuqaleni ayakhazimula - lokho kuwumdlandla womdali owedlula imali. Umqondo owumongo we-Rainmaker ukuthi ingcebo ingumkhiqizo wenani, njengoba nje uKazuo Inamori esho, "U-Altruism ungumthombo wengcebo."

Buka ngemali: i-prism esibona ngayo izimpilo zethu

Ibhalansi ye-akhawunti ayilokothi iyincazelo yokugcina yengcebo;

Umehluko phakathi kwabampofu nabacebile: Labo abaphunyukayo baveza ubugwala babo, labo abaqoqayo baveza ukuswelakala kwabo, labo abaqagelayo baveza ukuxhamazela kwabo, labo abanengqondo baveza ukuhlakanipha kwabo, nalabo abanisa imvula baveza ubuhlakani babo bobunkulunkulu.

U-Diogenes waseGreece yasendulo, ngenkathi ehlala emgqonyeni, waba nesibindi sokuthi ku-Alexander Omkhulu, "Ungavimbi ukukhanya kwami ​​​​kwelanga." Ingqinamba yabantu banamuhla ukuthi bafisa ukuphila okukhululekile nokulula kwezazi zefilosofi, kodwa bakuthola kunzima ukumelana nesilingo semali, futhi ekugcineni balahleke ekuguqukeni nasekuguqukeni.

Manje, ngicela uphendule imibuzo emithathu efuna umphefumulo.

1. Uma uphequlula ifoni yakho, ingabe uchitha isikhathi esiningi ucwaninga izitayela zomkhakha noma uzitika ngokuthenga ukusakazwa bukhoma?
2. Ingabe ukukhathazeka kwakho kuvela kubhalansi ye-akhawunti yakho, noma eqinisweni lokuthi izinga lakho lokukhula alikwazi ukuhambisana nokuphindaphinda kwakho kwengqondo?
3. Ukube ubuzimele ngokwezimali kusasa, ngabe usawuthanda umsebenzi wakho wamanje?

Impendulo izoveza ukuthi uyisiboshwa semali noma i-alchemist yengcebo.

Imibono esemqoka:

1. Abavikeli basebenzisa ubuqotho bamanga ukuze bafihle ukungazi kwabo kwezezimali
2. Abadobi bagqilazwe idatha yedijithali futhi balahlekelwa izinga lempilo
3. Abaqapheli baphila kuskripthi sengcebo yenganekwane
4. Abantu abanengqondo bayakwazi ukulinganisa ingcebo
5. Abenzi bemvula bavumela imali ijahe inani

Inkululeko yeqiniso yezezimali iwumphumela ongenakugwemeka wokuchoboza isici somqondo. Kusukela manje kuya phambili, sungula uhlelo lwezezimali oluyindida noma ujule emkhakheni wokudala inani - kodwa ungabi "isiboshwa semali" esizondayo. Umcebo awupheli, kodwa uyisikali sokuthuthukisa ukuqonda.