Mu yunivesite yakale kwambiri ya dziko, Brown University, yomwe imatengedwa kuti ndi imodzi mwapamwamba kwambiri ku America, inaphunzira mozama za makhalidwe a munthu. Cholinga chake chinali kudziwa kugwirizana pakati pa zizoloŵezi za anthu ndi kupambana kwa ndalama. Phunziroli linakhalapo zaka zisanu, ndipo mmenemo munali anthu opitirira 150,000 ochokera m'mabanja 50, omwe ndalama zimalandira, ndipo sizinatengedwe. Pambuyo pokonza deta ndikuphunzira zotsatira, ochita kafukufuku anapanga mndandanda wa zizolowezi zothandiza, pambuyo pake munthuyo adzalandira posachedwa.
Chitsimikizo china cha ndalama
Anthu ambiri olemera ali ndi gwero limodzi la phindu. 67% mwa olemera ali chifukwa cha malonda ambiri opanga ndalama. Ndipo ichi si ndalama zokha. Anthu omwe alibe ndalama zachitukuko, amalandira ntchito zochepa kuti azikhala nawo, ndikuchulukitsa, kuphatikizapo kudzera muchuma, kutsegula malonda awo, maphunziro. Iwo amadziwa kuti nthawi yawo yaufulu ndi ndalama, ndipo amayesa kukonza njirayo kuti apititse patsogolo maluso awo ndi mwayi wawo wonse. Pakati pa anthu osawuka, 6% okha amakhala ndi chizoloŵezi chofuna zowonjezera zopezera ndalama.
Kuŵerenga kwa akatswiri mabuku
Pafupifupi 80 peresenti ya anthu olemera amachititsa chizoloŵezi chovomerezeka kuti apindule ndi ndalama kuti apeze chidziwitso chomwe chimapanga luso laumisiri. Kuwerenga nthawi zonse mabuku apadera kumathandiza kuwonjezera luso la munthu, kukwera kumalo atsopano mu ntchito ndi kupeza ndalama zofanana ndi chidziwitso komanso malo apamwamba. Nthawi zambiri anthu olemera amadandaula kuti alibe nthawi yowerengera mabuku, chifukwa zolemba zamalonda zimakhala zofunika kwambiri. Anthu omwe ali ndi ndalama zochepa, ngati amawerenga (ndipo izi ndi 11%), amangochita zokondweretsa ndikusankha mabuku odziwika bwino. Komabe, mochuluka kwambiri, iwo samatha kuwerenga kalikonse.
Kupanga Ndalama
Kuwerengera kwa bajeti ndi chizoloŵezi chosadziwika cha 84% mwa anthu olemera. Amaonetsetsa kuti azigwiritsa ntchito ndalama zawo mwezi umodzi, pachaka ndikuchita zonse kuti azigwiritsa ntchito bajeti. Kusunga malipiro a ndalama ndikukuwonetsani chithunzi chonse cha ndalama ndi ndalama. Anthu olemera samawoneka kumapeto kwa mwezi wa chisokonezo, kumene amagwiritsa ntchito ndalama. Ndalama zawo zimakhala zokonzedweratu nthawi zonse, ndipo ngakhalenso nkhani ya ndalama zomwe zingakhale zosayembekezereka, amaganiziranso. Anthu omwe ali pambali pa kupemphani, musamangomanga mapulani a ndalama. Ndipo 20 peresenti yokha ya nzika zodziwika bwino zimayendetsa bajeti yawo.
Kugwiritsa ntchito moyenera
Anthu ambiri omwe amapindula ndichuma, mosiyana ndi anthu omwe sali opambana, samalola kuti azigwiritsa ntchito, zomwe sizingatheke ndi ndalama zawo. Kuti akhale olemera okha, amamiliyoni am'tsogolo amakakamizidwa kupulumutsa, kuphatikizapo pa udindo. Amagwiritsira ntchito ndalama, amaika patsogolo zinthu zofunika pazokha. Mwachitsanzo, ngati pali funso la kusankha pakati pa galimoto yotsika mtengo komanso yoyendetsa galimoto, poyamba chosankha galimoto mtengo wotsika kuti musasiye zofunika zina ndikulowa mu ngongole. Mwamuna amene sakhala ndi moyo wathanzi, koma amakhala ndi chizoloŵezi chotenga zinthu zamtengo wapatali pa ngongole, ndipo kawirikawiri, amakhala ndi ngongole, sangathe kutulukamo.
Kusungidwa kwa ndalama
Ziŵerengero zimasonyeza kuti 93% ya anthu omwe ali ndi likulu labwino, amapititsa patsogolo ndalama. Zilibe kanthu kaya ndi zochuluka bwanji. Chinthu chachikulu ndi chakuti adakhala chizolowezi ndipo adakhala ndi udindo nthawi zonse. Kotero, iwo anapanga ndalama "zotetezera chitetezo", ndi ndalama zazikulu, zomwe zinawathandiza kuti azichulukitsa ndalama zawo ndi kukhala olemera. Osauka nthawi zambiri samapulumutsa kapena kusunga ndalama, pofotokozera izi kuti kusungira ndalama zazing'ono kungakhale kopanda phindu, zomwe zikutanthauza kuti palibe chifukwa chowabwezera. Pali kutsutsana kwina: iwo sangathe kukhala opanda iwo ngakhale 10%, omwe akuyenera kuti asinthidwe kuti asungidwe. Komabe, malinga ndi akatswiri, pazochitika zonsezi, ndizomveka kuyamba kuyambira ndalama, ziribe kanthu kuti "zovuta" zoterezi sizikuwoneka bwanji.
Ulamuliro wa zachuma
Ana omwe amakulira komanso oleredwa m'mabanja olemera nthawi zambiri amakhala ndi bizinesi ya banja komanso amadziwa kuti akumanga. Izi ndi zachilengedwe, popeza poyamba mwanayo ali ndi chitsanzo chabwino kwambiri chochita bizinesi ya banja. Iye sakusowa kupanga "njinga". Iye wapanga kale ndi bambo ake kapena agogo ake. Anthu omwe ali osowa, ndipo amachokera ku mabanja osauka, amayenera kumanga nyumba zawo zokha ndi njerwa. Kwa iwo, ulamuliro wa makolo mu bizinesi umalowetsa zomwe zinachitikira anthu ena opambana omwe apindula kwambiri mu bizinesi yawo, ndipo ali wokonzeka kugawana chidziwitso chawo ndi chidziwitso chawo. Ambiri mwa olemera lerolino apanga njira yawo yopitira patsogolo kwachuma mothandizidwa ndi wothandizira. Iwo anamupeza iye mu gulu lachidziwitso la anzawo omwe amadziwana nawo kapena mwachindunji anamangiriza kumudziwa kwatsopano kopindulitsa ndi munthu yemwe amadziwa momwe angathere. Yambani ndi anthu opambana, okhutira - chizoloŵezi chofunikira kwambiri.
Zolinga zapadziko lonse
Olemera ambiri adavomereza kuti cholinga chachikulu chinapangitsa kuti apambane. Kwa wina unali ndalama zenizeni, ndipo wina adangokhalira kuchita zinthu zolimbitsa thupi, ndipo sadadalire ndalama, koma pofuna kukondwera ndi bizinesi, yomwe idasandulika ndalama zambiri. Anthu omwe ali ndi ndalama zochepetsera komanso zochepa nthawi zambiri amachita mantha kuti akwaniritse zolinga zawo. Ndipo mwachabe! Ndikofunika kufotokoza cholinga chochititsa chidwi, kutenga maudindo ndi kulimbikitsa zolinga zake. Ndipo kupita kwa anthu ake opambana amalangiza njira zing'onozing'ono, mwachitsanzo, kuswa maloto aang'ono. Kotero ntchitoyo ikuwoneka yotheka komanso yotheka.
Zopanda ndalama
Amamilioni onse ndi mabiliyoni amapeza ndalama zambiri. N'zosatheka kufika pamtunda wotere popanda kukopa magwero, njira zomwe zimachokera popanda kutenga mbali mwachangu. Phindu lopanda phindu limaphatikizapo: ndalama za banki, ndalama ndi ndalama zogwiritsira ntchito ndalama, zogulitsa, kubwereketsa nyumba kapena katundu, zovomerezeka, zopereka, etc. (Mwachitsanzo, nyimbo yotchuka kwambiri padziko lonse "Happy Birthday To You!" Company- mwiniwake amalandira chaka chilichonse madola 2 miliyoni). Anthu osauka sapeza nthawi ndi mwayi wophunzira gawo la ndalama zopanda malire, chifukwa amakhala osauka.