Ukukhululeka Kumaxinzelelo Wezemali
Uxinzelelo lwezezimali yiphondo elibanzi. Ngokombutho we-American Psychological Association (APA), ama-72 ekhulwini aseMelika agxininiswe ngemali ubuncinane ngamanye amaxesha kwaye iipesenti ezingama-22 ziziva zixineke kakhulu ngemali yazo. Oku kuphawuleka kakhulu kuba uxinzelelo lwezezimali ludibene neengxaki zempilo ezinjengeenkxwaleko kunye neengxaki zokulala .
Ngenxa yokunyuka kweendleko zokuphila, abaninzi baseMelika baziva bexinekeke kwengcinezelo yezemali.
Ukunyamezela kweMali kukuchaphazela njani impilo yakho
Ukuxhalabisa ngemali kunokuchaphazela impilo yakho ngeendlela ezininzi:
- Ukuziphatha kakubi kokuziphatha : Abantu abanengcinezelo yezemali bangaphinda baxakeke uxhalabo lwabo ngokusela, ukutshaya, ukutya ngokutya, okanye ukuqhuba ezinye iindlela zokuziphatha okungahambi kakuhle . Oku, kukhokelela ekubandezelekeni ngakumbi.
- Imali encinci yokuzinyamekela: Ngemali encinci kwisabelomali, abantu abasele bexinzeleleke ngokwezemali bavame ukugawula iinkalo kwiindawo ezifana nokunakekelwa kwempilo ukuhlawula izidingo eziphambili ezifana nokutya. Iingxaki ezincinci zingenakucingwa kwaye ziphenduke iingxaki ezinkulu. Oku kuya kubangela uxinzelelo olungakumbi.
- Ubuthongo obulahlekileyo: Xa uxinzelelo lwezezimali, abantu baninzi bafumana ubunzima bokulala , okungeze kubangele ukulahleka kokulala, ukuphazamisa ukusebenza komzimba kunye nokukwazi ukuqonda kunye nokubangela ukuxhalabisa.
- Iimvakalelo ezingekho emgangathweni: Iitaliti yamatyala ekhredithi ingabangela iimvakalelo ezingekho phantsi kwempilo ezingathatha umthwalo kwimpilo yakho. Abantu banokuxhalabisa, ukukhungatheka, kunye nengqondo yokungathembeki njengokuba ityala linyuka kwaye kukhula imali eninzi ukuze ihlawule umdla. Oku kubangela uxinzelelo olongezelelweyo, olubandakanya uxinzelelo lokuxhatshazwa nokunyamekela, ukuba ngumthwalo wokuxinzelela.
Indlela yokujongana noxinzelelo lwezemali
Nantsi into ongayenza ukujongana nemeko yakho yezemali kwaye uzive ngakumbi ekulawuleni ubomi bakho, ukunciphisa uxinzelelo lwakho, nokwakha ikamva elikhuselekileyo ngakumbi:
- Ukuqonda umjikelo weetyala. Ukufunda indlela yokuqonda amatyala kunye nendlela esiya ngayo kuyisinyathelo sokuqala sokuphuma kulo mgibe. Oku kunokukunceda ukuba ungayiqondi kuphela umjikelezo ongcono kodwa ukuzinyusa kuwo. Emva kokuba wazi ukuba ungaphumelela njani, unokwenza usebenze ekuzisuseni ukuxinzelelo oluphezulu lokuba netyala, kwaye uqale ukwakha ikusasa lakho ngendlela engcono ngemikhwa elula elula ukuyigcina.
- Yazi xa ufuna imali kunye nendlela yokufumana ngayo. Ukuba ukhathazekile ngemali, mhlawumbi uvakalelwa kukuba ufuna imali engakumbi kwibhajethi yakho. Nangona kunjalo, ukwazi indlela yokwandisa iimali zakho ngaphandle kokudala uxinzelelo olunzima ngokwakho kungakhohlisa. Nazi ezinye iingcebiso eziqinisekisiweyo zokunyusa ingeniso yakho, eyindlela enkulu yokunciphisa uxinzelelo.
- Funda ukuhlala ngaphantsi. Ukukhululeka nokuhlawula imali kunye nokuphila ngaphantsi kunokunyusa ukonga kwakho. Nazi ezinye iingcebiso ezilula, eziphantsi koxinzelelo zokufunda ukugcina uhlahlo lwabiwo-mali oluza kukugcina uphila ngendlela yakho. Xa unesicwangciso, unokuziva ukhulula ekulawuleni iimali zakho, kwaye oku kunokukunceda uzive ungagxininiswa.
- Ungalibali ukuphathwa kwengcinezelo jikelele. Njengoko usebenza ekuphuculeni imeko yakho yezemali, unokunciphisa uxinzelelo ngokusebenzisa iindlela zokunciphisa uxinzelelo kunye nokwenza ezinye iinguqulelo zokudala ubomi obunzima bokucinezeleka .
Ngokulandela isiluleko esinikwe kwiikhonkco ezingentla kunye nokwenza oku kutshintshwa kwendlela yokuphila, umthwalo woxinzelelo lwezemali kungekudala ube yinto edlulileyo.
> Imithombo:
> I-American Psychological Association (APA). Ukuhlawula Impilo Yethu. Ipapashwe ngoFebruwari 4, 2015.
> IHolo M, i-Buysse DJ, i-Nofzinger EA, et al. Uxinzelelo lwezeMali yiCorrelate ebalulekileyo yokuphazamiseka kokulala okuqhubekayo kwiLate-Life. Psychology . 2008; 77 (2): 217-222. i-doi: 10.1016 / j.biopsycho.2007.10.012.