Ukunciphisa, ukuNgcakaza kunye nezinye izinto ezithintekayo zokuLungisa i-Akhawunti yakho
Ingxaki zemali ithintela ininzi lethu ngezikhathi ezithile. Ukuba usekuqaleni komsebenzi wakho; ukutshintsha ubomi njengomtshato okanye ukuqalisa intsapho; ejongene nokungasebenzi; kunye neziganeko zobomi ezingalindelekanga ezizisa iindleko ezingalindelekanga, ezifana nokugula okanye ukufa kwelungu lentsapho yonke imicimbi ebangela iingxaki zengqesho zesikhashana. Kodwa ngamanye amaxesha iingxaki zemali zihlala ixesha elide, izimbangela zizinzulu, kwaye izisombululo ziyamangalisa kakhulu kuba zifuna ukutshintsha kweendlela zokuphila.
Umlutha kunye neengxaki zeMali
Izilingo ezininzi zinempembelelo enkulu kwiimali. Enyanisweni, iingxaki zezemali zikhankanywe njengento ebonakalayo yokuxhatshazwa kokuxhomekeka kwezinto kunye nokugembula okunyanzelekileyo kwi-Manual Diagnostic and Statistical Manual (DSM-IV) esetyenziswe ngabasebenzi bezempilo yengqondo ukuxilonga iingxaki zempilo yengqondo. Nangona ukuxhomekeka kotywala, ukuxhatshazwa kweziyobisi, kunye nokuxhatshazwa kwe-intanethi bonke bahlala bephethe iindleko ezinkulu zezimali, zombini ngokumalunga nokuhlawula isilwanyana okanye ukuziphatha okubi, kwaye ngokwexesha elibanjwe kwezinye izinto, kubandakanywa nomsebenzi, ukugembula kunye nokuthengwa kweentengiso malunga soloko ikhokelela kwiingxaki zemali, ngenxa yokuba zibethe kwi-core of the addict's finances. Ngaphandle kwemali, akukho kubakho ukugembula, kwaye ngaphandle kwemali, akukho nto yokuthenga.
Indlela yokulahla igcina abantu abahlukumezayo
Ukulahlwa kuqhelekileyo phakathi kwabantu abaneziyobisi zonke iintlobo. Ngokwenene, ukukhanyela yindlela ofihla ngayo inyaniso yokugqithisa kwakho, umzekelo, ngokuzithethelela, ngokugxeka abanye, ngokugxeka iimeko ezingaphandle kolawulo lwakho, okanye ngokuzibamba ukuba utshintsho kwaye iimeko zi malunga ukutshintsha.
Ukulahlwa kusetshenziselwa ukufihla umlutha kwabanye abantu kodwa kusetyenziswe ukuphepha ukujongana nelokuba ungumlutha, kwaye uya kuqhubeka neengxaki zemali uze unqobe umlutha wakho.
Abachasayo banokugxeka abanye ngeengxaki zemali ngeendlela ezahlukeneyo. Umlutha ogqithiseleyo unokugxeka ulwalamano lwabo ngokuphathwa kwemali engafanelekanga, banokugxeka abantwana babo ukuba babe neemfuno eziphathekayo, banokugxeka abaphathi babo ukuba bafune ukuba bajonge umsebenzi - ngaphandle kokuvuma ukuba i-designer fashions nganye i-season ayikho imfuneko yendawo yokusebenza , okanye bangasichazela iintshaba ngenxa yokuphazamiseka kwabo bafuna " unyango lokuthengisa ."
Ingxaki zemali zinokuthi zichazwe kwiimeko ezingaphandle kolawulo lwakho kwiindlela ezahlukeneyo. Masithi ubusika buza kwaye udinga ingubo entsha. Ngaba ufuna iimpahla ezinhlanu okanye ezilishumi? Hayi, ufuna kuphela, okanye ezimbini. Kodwa i-drug addict ingase ihlalutye ukuthenga iimpahla ezininzi kunye neengubo ezininzi, usebenzisa isisulu sezulu elibandayo rhoqo.
Unokulinganisa ngokulinganayo iindleko zento enithengayo, nangona uyithenga ngokuphindaphindiweyo, imfuneko yento engeyomfuneko "inhlanhla," okanye ukuba unokude ufune loo nto usuku. Abanye bathengisa i-addicts baze bagxeke ivenkile, ukukhangisa, imboni yefashini okanye uxinzelelo lwabaontanga ngenxa yokuchitha imali. Ekugqibeleni, oku kukuphepha ukunyanzelisa uxanduva lwakho kwizenzo zakho.
Gcina Ulawulo Lweengxaki Zemali
Njengazo zonke izidakamizwa, isisombululo seengxaki zemali ekuthengiseni abathengiswayo kunye nabangaphezu kwemali zilula kwaye zinzima. Kufuneka uthathe uxanduva olupheleleyo kwizenzo zakho kunye nemiphumo yezenzo zakho, kwaye uthathe ulawulo lwazo zenzo ngokubeka iliso kwaye wenze izigqibo ezicokisekileyo malunga noko usebenzisa imali yakho.
Ngokungafani namakhoboka okusela utywala kunye neziyobisi, akukho ndlela yokuphepha imali okanye ukuphepha ukufuna ukuthenga.
Ungadinga ukuphuka okupheleleyo kwenkcitho ngaphambi kokufika kweli nqanaba, ngokucela omnye umntu ukuba athathe uxanduva lokuthenga izinto ezisisiseko zobomi uze ube nekhefu elifanelekileyo lokuchitha imali. Kodwa kungekudala okanye kamva, kuyakufuneka uqulunqe isicwangciso senkcitho esiza kukunika ulawulo olupheleleyo malunga nokuba uchithe ixesha elingakanani, kunye nento oyisebenzisayo.
Imithombo:
I-Barnhart, T. I-Kick kwi-Asset: Iinqanaba ezili-10 zokuThatha iCandelo loKwakha ubutyebi oyifunayo. I-New York: Amadodana kaGP Putnam. 1998.
Benson, A. Ukuthenga okanye ukungawathengi: Kutheni siThuthukisa kunye nendlela yokuMisa . ELondon: iTumpet. 2008.
I-Goldman, R. "Ukuthenga ngokunyanzeliswayo njengoMlutha." Ku-A. Benson (Umhleli) Ndithenga Ngoko ke ndiyi: Ukuthenga ngokunyanzelayo kunye noKufuna. I-Oxford: Rowman ne Littlefield. 2004.