Undoqo imali kutshanje

Ngaba wakha wacinga yintoni eyona yemali nendlela bavela kuluntu lwethu? Kuyinto Kucacile ukuba Robinson Crusoe kwakhe kwisiqithi entlango zange mfuneko iingqekembe zegolide, kuba nako ukondla okanye ukuwutsala kubo mandincedeke ngokwabo.

Nokuba kwimeko ukuba, umzekelo, Robinson uhlele iintlanzi kwibhodi ukususela ngoLwesihlanu, kumanqaku ibhange luncedo bona. Kuyimfuneko nangomoya yemali baye bafunda ukuba iinkulungwane, kodwa babengakwazi afikelele kwisivumelwano.

Ukuze siqonde intsingiselo kubukho bemali, kuyimfuneko ukuba ukuqonda nezizathu ezikwiingcambu ngokutshintshiselana kwempahla. Ngapha koko, unaniselwano sisiseko yobudlelwane yorhwebo. Kuyinto Kucacile ukuba exchange kwenzeka kuphela ngenxa yokuba omabini amaqela abanakuswela singenelwe ibitheni. Ngenxa yesi sizathu, siya ukuchaza umongo imali ngolu hlobo lulandelayo: exchange lelithile mali lwemali ofunekayo imveliso, leyo ikwazi ukukhawulelana neemfuno zomntu.

Oosonzululwazi omkhulu lonke ixesha wenza impazamo, xa Kuthathwa ngokuba kwanaleyo kufuneka ilingane. Enyanisweni, lo Undoqo kukuba omabini amacala asebenze ngokwahlukileyo siqonde ukuba bacebisane. Ngokomzekelo, omnye network unaniselwano iintlanzi for iinkuni ezilishumi lubonisa ukuba babe ixabiso eyahlukileyo zombini ezikhoyo.

Ekuhambeni kwe nasekusungulweni yembali yabantu kukho imfuneko ukuza exchange okulinganayo, kuba efanelekileyo naziphi na iimpahla. Yiloo nto kanye kwabonakala iintlobo yokuqala imali: icuba, iswekile, ityuwa, iinkomo, izikhonkwane, amaso njalo njalo. Zonke ezi mveliso kumazwe ahlukeneyo ukuba jikelele, okt ezo leyo kufuneka unikezele naluphi na elungileyo kuyimfuneko.

Kamva, bavela iimali zokomfuziselo. Iindleko zokuvelisa yabo idla ngaphantsi amandla awo okuthenga (iingqekembe ezincinane, imali yephepha). Ke impahla jikelele bafumana iintlobo imali mboleko, nto leyo emele ezinye izibophelelo kwezinye abantu kunye nemibutho esemthethweni.

Ubume kunye nemvelaphi imali ngeemeko zezembali inokuba ixesha elide kakhulu ukufunda, kodwa ke eyona nto ibalulekileyo kukuba ukuzaliseka kwezi ndidi zimbini isinceda ukuba siqonde ukuba izibonelelo zemali kusekho yorhwebo ethile, akunamsebenzi nokuba yintoni na wathi.

Finance - asinto ingcamango nje ukuba unako khona ngaphandle imveliso ethile. Imali yorhwebo na imfuneko enkulu kakhulu njengendlela kunaniselwano kuzo zonke iimbombo zomhlaba. Undoqo imali kwihlabathi yanamhlanje ayikwazi zabaxwa, kuba kubalulekile kubo ewuqhuba yezoqoqosho kwihlabathi liphela. Akukho umntu oya kuba nako ukuphila usuku olunye elizeleyo, isetyenziswe kule lenzwinini kwiphepha, iithowuni eziinkozo okanye amakhadi ngetyala.

Kweli hlabathi siphila kulo akukho mntu owayeza ziphathwe kunye nabantu ngemali, kuba ke besibuyekeza umniniyo amandla kunye nokuphucula imeko yoluntu. Akukho namnye unako ingxabano yokuba ukuba isixa esithile semali umntu unako ukuthenga impahla kuphela kunye neenkonzo kodwa kumnandi ixesha lokuhamba, unxibelelwano, ubugcisa kunye njalo njalo. It ibeka vimba uphambili - iimali, uyakwazi ukubonelela ngokwabo kwaye wayemthanda ikamva labo obuzolileyo kwaye bezinzile.

Kodwa musa ukulibala ukuba undoqo imali, oko kukuthi umnqweno ilifa iimali nanto, ungenza akusingisi kokhona kulungileyo. Yintoni ukunika imali? Ukuhlangabezana neemfuno zabo, namandla, iwonga, kunye nezinye izinto ezininzi. Imbali imali esisityebi kunene umdla lophando kunye nesifundo, ngokuba le mveliso sele kudlule kuphuhliso yayo inde kakhulu kwaye olunameva umendo: ukusuka ntlobo ezilula yokwabelana luncedo credit mihla.