Kusamalira thanzi labwino kwa "osauka"

"Anthu osauka" m'maganizo athu amaimiridwa "agogo aakazi ndi buckwheat" kapena ophunzira. Koma izi ndizongopeka chabe. Ku Ukraine, monga m'mayiko ena ambiri padziko lapansi, anthu omwe sali otetezedwa amapanga anthu ambiri. Mu nkhani zaumoyo, zimalingalira kuti boma liyenera kusamalira za gululi, ndipo ndi chithandizo chotani kwa iwo chomwe chiyenera kukhala chaulere "chikhalidwe chabwino". Mankhwala amalonda, mwachizoloŵezi, m'magulu awo a zamalonda a anthu oterewa amanyalanyaza, kukonzedweratu pa "malipiro a ndalama ndi apamwamba."

Vuto liripo chifukwa chakuti makumi amamiliyoni amtundu wa anthu amatumiza mosasamala ku chuma, "kusowa", "kudalira" imvi ya "umphawi". Koma bwanji ngati mutayesa kuganiziranso zolakwikazi? Bwanji ngati mutayesa kuzindikira "osauka" mwachangu (mwa njira yawo) chikhalidwe cha anthu? Mwinanso boma liyenera kusiya kudyetsa anthu osauka chifukwa cha chithandizo cha zaumoyo, komanso malonda amayenera kupereka gawo lalikulu la msika ku boma.
Ndipereka zifukwa zitatu zomwe zingayesetse kuchita izi, zinthu zitatu zomwe ziyenera kusintha kuti zichite izi, ndi malingaliro atatu omwe mungayambe tsopano.
Ku Ukraine, anthu osauka si okhawo "agogo aakazi ndi buckwheat." Mathematically, "malire a ndalama zambiri" ali pafupi ndi nkhalango, ndipo pakati pa Ukraine amaimira anthu ochepa kwambiri mwa anthu abwino kwambiri (malinga ndi malamulo a Ukraine). Malinga ndi kafukufukuwo, ndalama zawo monga "pansi pafupipafupi" kapena "pansi pa chitetezo" zikuwonetsedwa ndi anthu 90%!
Kodi izi zikutanthauzanji ku gawo lachipatala? Choyamba, kuti m'dzikoli pafupifupi anthu 90 pa anthu aliwonse ogwiritsira ntchito mankhwala "aumphawi" ndi "mfulu". Zambiri, sichoncho? Kuchokera koyamba kumatsatira "kachiwiri": gawo lachinsinsi limangoganizira za anthu 10% okha - omwe amawoneka kuti "amatha kulipira".
Mkhalidwewu umachokera pazoonetseratu kuti "osauka" anthu sali olemera, sangathe kugula zinthu zambiri zapadera (makamaka zamtengo wapatali monga mankhwala). Komabe, pali zochitika posachedwa kuziyika izi kukayikira. Chofunika kwambiri komanso chokwanira chinali nkhani ndi bukhu la akatswiri odziwika bwino a zamalonda a S.Prahalad "The Fortune at the Bottom of the Pyramid". Zimapereka chifukwa chomveka chomwe mabungwe akuluakulu ayenera kumveketsedwa ngati "kuchita bizinesi" ndi gawo "losauka" la anthu omwe ali ambiri padziko lapansi. Ndipo ndikofunikira kuti tichite mwamsanga.
Lingaliro lomwelo ndilofunikira kwambiri kwa mankhwala a Chiyukireniya (ndi chuma chonse). Mayiko onse ndi apadera ayenera kuyang'anitsitsa anthu 90% omwe ali pansi pa "chitetezo" ndikuwonekeratu kuti angathe kukhala ndi zitsanzo zabwino kwambiri kusiyana ndi chithandizo cha chithandizo cha umoyo kapena kubwezeretsa kwa chithandizochi.
Nchifukwa chiyani kuli koyenera? Nazi zifukwa zazikulu zitatu:

1. Ndili ndi "anthu osauka" ochulukirapowa, palibe mtundu wa chithandizo chamankhwala wokhazikika. Ngakhalenso boma likadutsa ndi thandizo lake lidzalongosola zam'tsogolo zitsanzo za inshuwalansi, magulu a madokotala apamanja ndi zipatala zatsopano. Mchitidwewo sungathe kupanga ndalama zambiri kwa nthawi yaitali kuti athetse ndalama zonse zachipatala kwa "anthu". Malipiro ambiri amtundu wa anthu angathe kukwanitsa dziko lolemera chabe. Tikusowa njira yina - kukopa anthu ambiri momwe tingathere kuti tipeze mankhwala komanso mwamsanga kusinthasintha ndalama. Kulumikiza gululo "pansipa" ndi njira yokhayo.
2. Pamene boma likuyesera kuti ligogomeze "chikhalidwe" cha mankhwala, makamaka chimatsindika mfundo yosasangalatsa: mankhwala amachititsa kusiyana pakati pa olemera ndi osauka. Ndi bwino kuti mankhwala adulidwe! Ndikofunika kuti anthu athe kulipira mochuluka momwe angathere, osati kuti azigwirizana kwambiri ndi mndandanda wa zomwe sangathe kulipira.
3. Ndipotu, anthu osauka akhoza kulipira mankhwala. Mwachidule osati ndi mankhwala osapitirira kwambiri. Monga akunena, 20 kopecks - komanso ndalama, ndi 20 hryvnia mu thumba la wothandizanso ndi malipiro a zamankhwala. Vuto ndi lakuti "anthu osauka" amapereka chithandizo kwa mankhwala a) mu gawo losavomerezeka b) mwa ndalama zochepa zomwe boma kapena mabungwe omwe sizinkawonetsetse kuti izi ndizofunika kwambiri kwachuma. Ndipo mwachabe! Awa "oiwala" 90% a anthu akhoza komanso kubwezeretsanso bajeti, ndipo akhale okonda makasitomala a bizinesi. Funso ndi momwe mungalinganizire.

Kuti mukonze izi, muyenera kusintha kumvetsa zinthu zingapo zofunika. Nazi zinthu zitatu zofunika kwambiri:

1. Ndikofunika kuganiziranso zolakwika zokhudza "mankhwala". Timaganiza kuti mankhwala ndi okwera mtengo kwambiri moti angagulidwe ndi olemera, kapena "osauka" omwe amalandira osauka. Chotsatira chake, tili ndi vuto pamene pali mankhwala awiri m'dzikolo. Mmodzi ndi "chikhalidwe" ndi wosasamala. Wachiwiri ndi "wapadera" ndipo ndi okwera mtengo kwambiri.

Kusankha kwafupika kukhala njira zingapo. Gawo la "zotsika mtengo ndi losauka" limaimiridwa ndi mabungwe a boma "omasuka" ndi "mukufuna chiyani?" Mapulogalamu. Zokwera mtengo, koma zabwino kwambiri - awa ndi maofesi apadera, komwe "chinsinsi" chiyenera kukwera mitengo, ndipo khalidwe silinayambe. Komanso izi ndi mabungwe a boma, omwe anayamba kuopa kuti asatengere ndalama zawo. Mitengo yapamwamba ndi khalidwe lapamwamba limaperekedwa ndi mabungwe apadera, omwe, monga malamulo, ali mu likulu kapena mizinda ikuluikulu.

Iwo ndi okwera mtengo ngakhale kwa "gulu lapakati". Chabwino, pali mankhwala kunja. Ndizosangalatsa kuti izi sizosangalatsa ngakhale kwa anthu "operekedwa", kapena kwa anthu "osauka". Ngakhale m'mayiko awo osiyana, pali ubwino potsatira mgwirizano wamtengo wapatali. Izi zikutanthauza kuti ngakhale "otetezedwa" anthu amalipira mitengo yochepa kwambiri ya mankhwala omwe amalandira. Pali mankhwala omwe angathe kukwera mtengo kwa anthu "osauka", ndipo panthawi imodzimodziyo adzakhala ndi chimwemwe, ngakhale kuti ndizosiyana ndi zomwe zikuwonetsedwa muzochitika za America zokhudza madokotala.

Anthu ambiri amaona kuti thandizo lachipatala silingatheke. Kapena mwinamwake palibe yemwe akufuna kuti ayese kupanga izo?

2. Kuti mugwire ntchito "osauka", muyenera kuyang'ana mosiyana pa mafunso a zotsatira zachuma. Mu gawo ili, ndalama sizipangidwa osati phindu la mtengo, koma phindu la mabuku. Ndipo phindu la ntchito zotchipa zingakhale zoposa.

Inde, funsoli ndi momwe angakonzekerere "othandizira 2" amenewa kwa ma hryvnia 20? Zidzakhala zosavuta kubwera ndi chitsanzo chotero, koma ndizofunikira kwambiri ku boma ndi bizinesi. Kusakayikira, kufufuza kwa chitsanzo ichi kumandiwoneka kukhala chinthu chamtengo wapatali komanso chopindulitsa kusiyana ndi kufufuza njira zopezera zokambirana zonse kwaulere kwa aliyense kapena momwe angakwezere mtengo kwa 300 UAH popanda kutaya makasitomala.

3. Mukuyenera kusintha ndi maganizo anu pazomwe mukufuna kuthandizira komanso momwe mungathandizire. Boma ndi boma tsopano likufuna njira zogulira makasitomala awo ndi chithandizo chamakono ndi zovuta monga momwe zingathere. Onse awiri amachita izo chifukwa ndi zodula. Bzinali ikutsata ndalama, ndipo boma limayendetsa bizinesi. Onsewa akuyesera aliyense mwa njira yawo kuti "akoke" anthu ku mtengo wapatali wa thandizoli. Kapena mwinamwake ndi kofunika "pang'ono" kupita ku mwayi ndi zosowa za msika? Njira imodzi ndiyo "kugunda pachimake pazomwe mumagula." Chisamaliro chachikulu chilipo kwa aliyense, nthawi zonse chimafunikira ndipo chimapereka zotsatira zabwino za thanzi.

Inde, n'zosavuta kulankhula, koma sizovuta kupeza njira zothetsera malingaliro awa. Komabe, kuti athe kupeza yankho, ayenela kuyang'ana, ndipo izi ndi zofunika kwambiri.
Nazi malingaliro atatu ochititsa chidwi poyambitsa kukambirana kotere:

1. "Osauka" zipatala zazing'ono. Tangoganizirani kachipatala kakang'ono. Makhalidwe oyambirira a maulendo ndi ma diagnostic services. Kukonzekera kwenikweni, kukhala oyera, mipando ya maofesi mmalo mwa mipando ya zikopa, zinyumba zotsika mtengo. Zida zogwiritsidwa ntchito, koma ziri ndi zonse zomwe mukusowa. Madokotala abwino, koma osati superstars. Kotero, palibe "chic", kotero, zipangizo siziri zamakono. Koma ntchitoyi ikhoza kukhala yotsika mtengo ndipo, mwachitsanzo, ine ndekha sindingapeze korona ngati ndikupita ku chipatala choterocho.
2. Madokotala apachibale. Iwo ali omasuka kuti azipikisana ndipo sayenera kuphimba ndalama zapadera za kliniki yamagulu osiyanasiyana komwe amakhala. Iwo amalangiza kaya kunyumba kwanu kapena kunyumba, kapena mu polyclinic boma. Ndikuganiza kuti 50-70 UAH. Zidzakhala zabwino kwambiri kwa malangizo awo. Dziloleni nokha izi zingathe kwenikweni.
3. Zophatikiza boma polyclinics. Izi zikugwira kale ntchito ku Eastern Europe. Ogwira ntchito ku chipatala amavomereza chitukukocho, amakhala opanda phindu komanso osakhala. Gawo la mautumikiwa amalamulidwa ndi boma (kapena kupyolera mu inshuwaransi ya boma), gawo - inshuwalansi, gawo - odwala m'thumba.

Zosankha zidzachitika ngati mutayesera kuti mubwere nawo. Mfundo yaikulu ya zokambiranazi ndikuti kunyalanyaza anthu osauka, kuphatikizapo "chisamaliro cha anthu," kumangotengera kuwonongeka kwachuma cha gulu lalikulu kwambiri ndi losiyana kwambiri ndi anthu.

Kuphatikizanso apo, kulowetsedwa kwawo mu njira yopezera chuma kumathetsa mavuto onse: kumapereka ndalama kwa boma, kumawonjezera kupezeka kwa chithandizo chamankhwala, kumaonjezera chiwerengero cha makasitomale ku bizinesi, kumapangitsa kuti anthu azikhala ndi ndalama zachuma - zimathandiza kuthetsa umphawi.