Imali yinto yephupha labo bonke abemi belizwe lethu, kwaye ngokwenene emhlabeni wonke. Ukuba ucinga njalo, ngoko nayiphi na imisebenzi yethu yobugcisa, yindlela yokufikelela kwintlalo. Nanku umbuzo awuyiyo imali efunekayo ukuze uzive ngolu rhulumente olungabonakaliyo, kodwa yimalini esiyidingayo ukuba singacingi ngeengxaki zemihla ngemihla, kodwa sithanda nje ubomi.
Ingakanani imali efunekayo ukuze unwabe?
Makhe sijonge ngakumbi kulo mzuzwana wobudlelwane phakathi kobutyebi bezinto eziphathekayo kunye nesimo sokonwaba ngokupheleleyo.
Sivakalelwa kuphela xa sinethuba lokuzibonela ebantwini, ngandlela-thile sizityhilele kwaye senze ubomi bethu bubonakale bumnandi. Apha siqonda nje ukuba ngaphandle kwemali asiyi kukwazi ukuzalisekisa enye yeengongoma ezikhankanywe ngasentla kwaye ngenxa yoko siyavuya.
Iproverb ayikho kwimincili yemali isenza sicinge ngale ngxaki. Kwaye ke kwiingqondo zethu umbuzo uvela ngokungenakuzikhethela: "Imali ngokwenene kwimali?"
Nsuku zonke sijamelene nelokuba abahlwempuzekile banelisekile ngokubomi babo kwaye oku kuyinyaniso. Kuba ibhinqa ibaluleke kakhulu kubungqina benani elingengomntu onothando nonempilo kuphela, kodwa kunye nomninimzi onokukwazi, ukuba akanako ukwanelisa nayiphi na i-whims yakhe, ngoko ubuncinane ukuhlangabezana neemfuno ezikhawulezileyo. Kufuneka kube nemali eninzi ongayikucinga ngayo. Kodwa apha konke kuxhomekeke kwinqanaba leemfuno ngamnye wethu.
Ukuba sithatha ubuncinci, abafazi badinga isistim sokuhlala ngokuzeleyo, okuvumela ukuwanelisa izidingo ezisemgangathweni zomzimba: ngokutya, izambatho, izindlu, impilo kunye nokukhuseleko. Kuphela kwiimeko ezinjalo intombi ikwazi ukuzola, ukuzithemba kwaye ungakhathazeki ngemisebenzi yasemakhaya yasekhaya.
Imali iyadingeka kuthi ukuze umbuzo othi "kutheni" ungavuki. Ukuba ufuna ukupheka isidlo sakusihlwa, uze uye kwivenkile kwaye uthenge yonke into ehle kakhulu. Ngaphandle koko, ukuba awukwazi ukuyithengisa kwaye uzibuze umbuzo "kutheni ndingenayo imali eyaneleyo?".
Ngaba imali izisa uvuyo?
Ubutyebi bezinto eziphathekayo - oku kuphela indlela yokufezekisa izinto ezilungileyo, kwaye kungekhona nje ukuvakalelwa kwimeko efanayo. Ulonwabo ngemali alukwazi ukuthengwa xa kuziwa kwizinto ezingaphaya kwamandla ethu. Imali, awukwazi ukuthenga ubomi kunye nothando, kodwa ezi ngongoma zibini ziyinxalenye ebalulekileyo ekukholeni koluntu.
Kulula kakhulu ukulungisa iingxaki, kuba namathuba amakhulu, kodwa akukho mali ayikwazi ukuguqula isigqibo. Izazi zenzululwazi ziye zenza izifundo ezingaphezulu kweyodwa kule ndawo. Iziphumo zabo zibonisa ukuba ukhuseleko lomzimba luvumela umntu ukuba avuke emehlweni abo bantu, ebonisa ukuzineliseka, kukuvumela ukuba ube nemvakalelo emihle.
Kuyathakazelisa ukuba iNew Zealand yaqatshelwa njengelizwe elonwabileyo, ngelixa ngokwemali yengeniso nganye yowama-22 kuphela. Akukho ndawo yokuhlawula ulonwabo lwakho, kufuneka nje ufunde indlela yokuzibona nokuziva ngayo.
Ziphulaphule, kwaye xa uvakalelwa kukuba ubutyebi obungabonakaliyo obungakuvuyisa, ngoko kunjalo. Kwaye ukuba ucinga ukuba indlu ecocekileyo kunye nosapho oluthandayo unoyolo, ke wena ungumntu onokuvuya ngokupheleleyo ngaphandle kwemali.
Bathi injabulo ayikho kwimali, kwaye asikwazi ukuvumelani nalokhu, njengezigidigidi kunye nabamashishini, nangona banako ukwenza amaphupha okwenene, kodwa ngokungaqheleki banokuqhayisa ngamanani amaninzi amava. Ulonwabo kufuneka lubonakaliswe njengenkqubo, kwaye kungengenxa yokufumana izinto eziphathekayo ezinkulu.