Imali, Personal Finance
Oko ithi ngale ndoda isimo sakhe sengqondo ngemali
Uya kumangaliswa ukwazi ukuba amathuba okufumana ingxaki zemali kuxhomekeke kuphela kwindlela ingakanani imali kwi-akhawunti yakho yebhanki. Uphando lwezenzululwazi lubonisa ukuba makeup yakho engqondweni nayo ibalulekile.
Ucwaningo olwenziwe ngabaphandi
Olu phengululo lwalusekelwe iziphumo zovavanyo, ubuhanjelwe ngabantu abangaphezulu kwe-100 000. Iziphumo zabonisa ukuba isimo sakho malunga nemali inempembelelo benene umngcipheko bejamelene neengxaki zemali.
Olu vavanyo ngokusekelwe kuphando lwenzululwazi abantu abangaphezu kwama-100 000, nto leyo lwenziwa ngentsebenziswano phakathi University College London, iYunivesithi Open kunye BBC Lab UK.
Ubuhlobo imali
Uphando olu lwaye lwafumanisa ukuba kukho iindlela ezine indlela ezinxulumana ngayo imali. Zezi:
- imali namandla (imali);
- Imali njengenyathelo nesisa;
- imali njengesibambiso;
- imali njengenkululeko (inkululeko).
Kuye kwafunyaniswa, sibuthathaka iindlela ezingekho sempilweni ukucinga ngendlela yokusebenzisa imali na. Avamise kakhulu exhaleni rhoqo ngawe uchitha malini, bathenge izinto ukuze uzive ngcono, kwaye refutation imikhwa yabo asebenzisa imali.
Uphononongo lwabonisa ukuba zengqondo malunga imali kuchaphazela ingozi engxakini yemali. Ukuba ubaphatha imali njengendlela ukukhusela ubomi babo, oko kuya kunceda ekunciphiseni ubungozi yeengxaki zemali. Ukuba imihla kuni - zingamandla, umngcipheko abajongene nobunzima liphuma. Ubukho nayiphi mkhwa mbi kwandisa umngcipheko yeengxaki zemali.
Ziziphi izinto enye?
Ubudala yinto ebalulekileyo. Uphando lubonise ukuba abantu abaselula kakhulu nakabuhlungu amaxhoba ngexesha ukulawula ulawulo imali kuba mancinane amathuba ukucwangcisa phambili.
Isini idlala indima. Nangona kubalulekile lomntu, nge-avareji, abafazi bayathanda babe nesisa ngakumbi kunamadoda. Ukongeza, banokuthi babe nomdla ngakumbi ukuthenga, ukuze uzive ngcono, ze ningaxhaleli ukuba nothetha ngakuphi wachitha. Kuba abantu, imali kwiimeko ezininzi kuthetha inkululeko kunye nako ukufikelela kwiinjongo zabo.
Kodwa okona kubaluleke kakhulu, ukuba unalo ingeniso elungileyo kunye nolondolozo. Benza njengoko njengesikhuseli, nto leyo yenza ukuba bazihlangule yeengxaki zemali.
Uphononongo lwaqhutywa yi uNjingalwazi Adrian Fernhamom University College London kunye uNjingalwazi Mark Fenton-O-igophe ukusuka University Open.
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