Momwe Psychology Imakhudzira Zosankha Zachuma
Zisankho zachuma nthawi zambiri zimaganiziridwa ngati zotsatira za kuwerengera bwino: kuwerengera ndalama, kuyeza ndalama, kuyerekeza chiwongola dzanja, kenako kusankha njira yabwino kwambiri. Komabe, m'machitidwe, zisankho zambiri zachuma zimakhudzidwa kwambiri ndi momwe malingaliro amagwirira ntchito kuposa manambala okha. Zamaganizo—kuphatikizapo malingaliro, zizolowezi, tsankho la chidziwitso, ndi mavuto a anthu—zimaumba momwe timawerengera zoopsa, momwe timaonera ndalama, komanso kupanga zisankho. Kumvetsetsa momwe zamaganizo zimakhudzira khalidwe lazachuma kungatithandize kupewa zolakwa zomwe zimachitika kawirikawiri ndikukhala ndi zizolowezi zabwino zachuma.
1. Ndalama si nambala yokha, koma chizindikiro cha maganizo.
Kwa anthu ambiri, ndalama zimakhala ndi tanthauzo la maganizo: chitetezo, ufulu, udindo, kapena ngakhale gwero la mikangano. Ndalama zikagwirizanitsidwa ndi malingaliro, kupanga zisankho kumakhala kosalowerera ndale. Munthu amene anakulira m'malo ovuta azachuma angakhale wosunga ndalama zambiri chifukwa choopa kusowa, pomwe ena amakhala opupuluma ngati njira "yodzipezera mphoto" atatha kupsinjika maganizo kapena kumva kuti sakuyamikiridwa.
Maganizo monga nkhawa, mantha, kapena chisangalalo zingakhudzenso zisankho zomwe zikuwoneka zomveka. Mwachitsanzo, pamene msika wamasheya ukutsika, mantha angapangitse osunga ndalama kuchita mantha ndikugulitsa katundu pamitengo yotsika, ngakhale poyamba anali ndalama zokhazikika. Mosiyana ndi zimenezi, pamene njira yogulitsira ndalama ili "yotentha," chisangalalo chingapangitse anthu kugula katundu popanda kusanthula, kungoopa kuphonya.
2. Tsankho la Kuzindikira: Zolakwika Zoganiza Mwadongosolo
Tsankho la m'maganizo ndi njira zoganizira molakwika zomwe zimatipangitsa kupanga zisankho zosakwanira. Mu zachuma, tsankho lofala kwambiri ndi:
a. Kuopa kutaya (kuopa kutaya)
Anthu nthawi zambiri amavutika kwambiri ndi zinthu zomwe zatayika m'malo mosangalala ndi zinthu zomwezo. Zotsatira zake, anthu ambiri amakana ndalama zogulira zinthu zabwino chifukwa amaika maganizo awo pa zinthu zomwe zingatayike. Tsankho limeneli limachititsanso anthu kupitirizabe kutaya katundu wawo kwa nthawi yayitali, poganiza kuti "abwezere ndalama zawo," pomwe zingakhale bwino kusamutsa ndalamazo kupita kuzinthu zabwino.
b. Tsankho la kutsimikizira (kufuna kulungamitsa)
Timakonda kufunafuna mfundo zomwe zimagwirizana ndi zikhulupiriro zathu ndipo timanyalanyaza chilichonse chomwe chimatsutsana nazo. Pa zisankho zachuma, anthu omwe akuganizira zogulitsa zinthu angawerenge malingaliro abwino okha, osaganizira zoopsa zomwe ena angabweretse.
c. Tsankho lamakono (kusankha tsopano osati pambuyo pake)
Anthu ambiri amasankha kukhutira nthawi yomweyo m'malo mwa phindu la nthawi yayitali. Tsankho lamakono limafotokoza chifukwa chake kusunga kapena kuyika ndalama kungakhale kovuta: zotsatira zake sizimaonekera nthawi yomweyo, pomwe kugwiritsa ntchito ndalama kumapereka kukhutira mwachangu. Ichi ndichifukwa chake makhadi a ngongole, paylater, ndi kuchotsera nthawi zambiri zimakhala zokopa kwambiri.
d. Kumangirira (kokhazikika pa nambala yoyambirira)
N'zosavuta kuganizira nambala yoyamba yomwe timaona, monga mtengo woyambirira musanapereke kuchotsera. Ngati "mtengo wamba" wa chinthu walembedwa pa Rp2.000.000 kenako n’kuchepetsedwa kufika pa Rp1.200.000, anthu amaona ngati akupeza phindu lalikulu, ngakhale kuti sangafunikire chinthucho. Nambala yoyamba imakhala nangula yomwe imakhudza malingaliro a "chotsika mtengo" kapena "chokwera mtengo."
3. Mphamvu ya Chikhalidwe ndi Zachikhalidwe
Zisankho zachuma sizimachitika kawirikawiri popanda chifukwa. Banja, abwenzi, atolankhani, ndi chikhalidwe zonse zimasintha miyezo yathu ya moyo komanso momwe timaonera ndalama. Kupanikizika ndi anthu kungapangitse kuti kugula zinthu kuwoneke "kogwirizana" ndi anthu ammudzi, monga kukweza foni yanu, kutsatira mafashoni, kapena kutenga tchuthi chokwera mtengo kuti mupeze zinthu zochezera pa intaneti.
Kumbali ina, miyambo ya m'banja imakhudzanso kwambiri. Mabanja ena amakambirana za ndalama ndipo amaphunzitsa ana kusunga ndalama kuyambira ali aang'ono; ena amaona kuti ndalama ndi nkhani yosaloledwa, zomwe zimapangitsa ana kukula opanda chidziwitso chokwanira cha zachuma. Chikhalidwe cha "kutchuka" chimachititsanso ena kuika patsogolo mawonekedwe akunja kuposa kukhazikika kwa zachuma.
4. Zizolowezi ndi Zochita Zokha Zokha
Zosankha zambiri zachuma za tsiku ndi tsiku si zazikulu, koma zazing'ono, zobwerezabwereza: kugula khofi, kuyitanitsa chakudya, kuyenda ndi njira inayake yoyendera, kulembetsa ku pulogalamu, kapena kugula zinthu mutatopa. Chifukwa chakuti zimabwerezabwereza, zisankhozi zimakhala zizolowezi zomwe zimachitika zokha popanda kuganizira kwambiri.
M'maganizo, ubongo umakonda kusunga mphamvu mwa kupanga njira zazifupi. Izi zikutanthauza kuti ngati nthawi zonse "timathana ndi kupsinjika maganizo" pogula zinthu pa intaneti, khalidwe limenelo lidzabwereranso pamene tapanikizika mosazindikira. Apa ndi pamene kumanga dongosolo, m'malo modalira cholinga chokha, kumakhala kofunika kwambiri. Mwachitsanzo, kukhazikitsa ndalama zosungira zokha, kukhazikitsa malire ogwiritsira ntchito pamwezi, kapena kuchotsa mapulogalamu ogulira zinthu omwe amayambitsa zilakolako zambiri.
5. Kuzindikira Zoopsa ndi Kusatsimikizika
Zisankho zambiri zachuma zimaphatikizapo kusatsimikizika: ndalama zomwe zimayikidwa, inshuwaransi, ngongole, ngakhale kusankha ntchito. M'malingaliro, anthu amasiyana pa kulekerera kwawo zoopsa. Ena amasangalala ndi kusinthasintha kwa mwayi wopeza phindu lalikulu, pomwe ena amakonda kutsimikizika, ngakhale phindu litakhala lochepa.
Vuto ndilakuti, kuzindikira zoopsa nthawi zambiri sikolondola. Anthu amatha kuchepetsa chiopsezo akamadzidalira kwambiri, mwachitsanzo, poganiza kuti "akhoza kupindula" ndi malonda opanda chidziwitso. Mosiyana ndi zimenezi, anthu amathanso kuganiza zoopsa kwambiri chifukwa cha zinthu zoipa zomwe akumana nazo, monga kuvutika chifukwa chonyengedwa mu ndalama ndikupewa zida zonse zachuma kupatula kusunga ndalama nthawi zonse.
6. Kuwerengera Ndalama Mwamaganizo: Kugawa Ndalama M'mabokosi Osiyana
Kuwerengera ndalama m'maganizo ndi chizolowezi cholekanitsa ndalama kutengera magwero kapena zolinga zosiyanasiyana, ngakhale kuti zili zofanana m'masamu. Mwachitsanzo, wina akhoza kukhala wosamala kwambiri ndi ndalama zomwe amawononga pamwezi koma amawononga ndalama zambiri chifukwa amaona kuti ndi "ndalama zowonjezera." Kapena, anthu amakhala ofunitsitsa kugwiritsa ntchito ndalama kuposa ndalama zomwe amasunga chifukwa chakuti amamva ngati ataya ndalamazo mosiyana.
Kuwerengera ndalama m'maganizo sikoipa nthawi zonse. Kukagwiritsidwa ntchito moyenera, kungakuthandizeni kusamalira ndalama zanu—monga kugawa ndalama zanu pa zosowa zanu, ndalama zosungira, ndalama zadzidzidzi, ndi zosangalatsa. Komabe, ngati sikusamalidwa, kungayambitse khalidwe losasinthasintha ndikulepheretsa zolinga za nthawi yayitali.
7. Momwe Mungasamalire Zinthu Zamaganizo Kuti Mupange Zisankho Zabwino Zachuma
Kumvetsa zamaganizo sikutanthauza kuchotsa malingaliro, koma kuwalamulira. Njira zina zomwe zingathandize:
1. Dzipatseni nthawi yopuma musanapange zisankho zazikulu. Tsatirani lamulo la maola 24 kapena masiku 7 musanapange zisankho zazikulu zogula kapena zoyika ndalama. Nthawi yopuma imeneyi imathandiza kuchepetsa malingaliro anu ndikutsegula malingaliro anu.
2. Gwiritsani ntchito njira yodziyimira yokha. Kusamutsa ndalama kuchokera ku ndalama zosungidwa/zosungidwa zokha kumalola kuti zisankho zabwino zichitike popanda kudalira chilimbikitso cha tsiku ndi tsiku.
3. Lembani zolinga zenizeni. Cholinga monga "Ndikufuna kusunga ndalama zambiri" sichigwira ntchito bwino kuposa "Ndikufuna kusunga ndalama zokwana Rp. 1.000.000 pamwezi pa ndalama zothandizira zadzidzidzi za miyezi 6."
4. Dziwani zomwe zimayambitsa maganizo anu. Dziwani nthawi yomwe mumachita zinthu mopupuluma: mukatopa, mukamavutika maganizo, mukamatopa, kapena mutalandira malipiro. Mwanjira imeneyi, mutha kupanga njira, monga kusintha zochita kapena kuchepetsa ndalama.
5. Chepetsani kuonera zinthu zomwe zimayambitsa FOMO. Chepetsani kugwiritsa ntchito zinthu zomwe zimalimbikitsa kufananiza anthu kapena malonjezo olemera mwachangu. Yang'anani kwambiri pa mapulani anu.
6. Fufuzani maganizo ena. Kukambirana ndi munthu wosalowerera ndale, monga mnzanu, bwenzi lanzeru, kapena wokonza mapulani azachuma, kungachepetse tsankho la anthu.
Kutseka
Zisankho zachuma sizimangokhudza manambala okha; zimasonyeza momwe ubongo umawerengera zoopsa, momwe umamvera, komanso momwe umayankhira ku malo ochezera. Tsankho la chidziwitso, zizolowezi, kupsinjika kwa chikhalidwe, ndi zomwe zidachitika m'mbuyomu zimapangitsa kuti zinthu zomwe nthawi zambiri sitizidziwa zizichitika. Mwa kumvetsetsa zamaganizo omwe ali kumbuyo kwa zisankho zachuma, titha kulamulira bwino zilakolako zathu, kupanga njira zenizeni, ndikupanga zisankho zomwe zikugwirizana ndi zolinga zathu zanthawi yayitali. Pomaliza, thanzi la zachuma silimangokhudza kupeza ndalama zambiri, komanso kuyang'anira khalidwe lathu ndi malingaliro athu okhudza ndalama.
