Ndalama ndizo maloto a anthu onse a m'dziko lathu, ndipo ndithudi padziko lonse lapansi. Ngati mukuganiza choncho, ndiye ntchito zathu zonse zamaluso, iyi ndi njira yofikira chimwemwe. Pano funso silili ndalama zofunikira kuti tipeze boma lovuta, koma ndalama zomwe sitiyenera kuganizira za mavuto a tsiku ndi tsiku, koma kungosangalala ndi moyo.
Kodi ndi ndalama zingati zofunika kuti mukhale osangalala?
Tiyeni tiyang'ane mwatsatanetsatane mphindi ino ya ubale pakati pa chuma ndi mkhalidwe wodzisangalatsa.
Timakhala okondwa pokhapokha tikhala ndi mwayi wodzizindikira nokha mdziko, mwanjira ina ndikudziwonetsera tokha ndikubweretsa miyoyo yathu malingaliro abwino. Apa tikungodziwa kuti popanda ndalama sitingakwanitse kukwaniritsa chimodzi mwa mfundo zomwe tazitchula pamwambapa ndipo zotsatira zake zikhale zosangalatsa.
Mwambi sikumakhala wosangalala ndalama kumatipangitsa kulingalira za vutoli. Ndiyeno m'maganizo mwathu funso limayambira mosavuta: "Kodi ndalama zilidi ndalama?"
Tsiku lililonse timakumana ndi mfundo yakuti osauka nthawi zambiri amakhutitsidwa ndi miyoyo yawo ndipo izi ndi zoona. Pakuti mkazi ndi wofunikira kwambiri kukhalapo kwa chiwerengero osati munthu wachikondi komanso wathanzi, komanso wothandizira amene angakwanitse, ngati sangakwanitse kukwaniritsa zosowa zake, ndiye kuti akwaniritse zosowa zake. Payenera kukhala ndi ndalama zambiri zomwe simungathe kuziganizira. Koma pano chirichonse chimadalira pa mlingo wa zosowa za aliyense wa ife.
Ngati tilitenga, amayi amafunikira ndalama zokhala ndi moyo wonse, zomwe zimapangitsa kuti zikhale zofunika zokhudzana ndi thupi: pa chakudya, zovala, nyumba, thanzi ndi chitetezo. Pokhapokha ngati mkazi angakhale wodekha, wodalirika komanso osadandaula za ntchito zapakhomo.
Ndalama ndizofunikira kwa ife kuti funso "chifukwa" silikuwuka. Ngati mukufuna kuphika chakudya, ndiye kuti mupite ku bizinesi ndikugula zakudya zokoma kwambiri. Popanda kutero, ngati simungakwanitse komanso dzifunseni funso "Chifukwa chiyani ndilibe ndalama zokwanira?".
Kodi ndalama zimabweretsa chimwemwe?
Chuma chakuthupi - ichi ndi njira yokwaniritsira chisangalalo, osati monga momwe umakhalira. Chimwemwe cha ndalama sichingagulidwe pa zinthu zomwe sitingathe kuzilamulira. Kwa ndalama, simungagule moyo ndi chikondi, koma mfundo ziwirizi ndizo zikuluzikulu za kukhalapo kwa anthu.
Ndi zophweka kuthetsa mavuto, kukhala ndi mwayi waukulu, koma palibe ndalama zomwe sizingathe kusintha cholinga. Akatswiri a zachikhalidwe cha anthu achita maphunziro opitilira limodzi m'munda uno. Zotsatira zawo zikuwonetsa kuti chitetezo chakuthupi chimapangitsa munthuyo kuwuka pamaso pa anthu ena, zomwe zimabweretsa lingaliro lakukhutira, zimakupatsani inu kukhala ndi maganizo abwino.
Ndizodabwitsa kuti New Zealand inazindikiridwa ngati mtundu wokondwa kwambiri, pomwe ponena za ndalama kwa munthu aliyense, inali 22. Palibe chifukwa cholipilira chimwemwe chanu, mumangofunika kudziwa momwe mungachiwonere.
Mvetserani nokha, ndipo ngati mukumva kuti ndi chuma chopanda malire chomwe chingakupangitseni kukhala osangalala, ndiye chomwecho. Ndipo ngati mukuganiza kuti nyumba yabwino komanso banja lachikondi kwa inu ndilo chimwemwe, ndiye kuti ndinu munthu amene angakhale osangalala popanda ndalama.
Amati chimwemwe si ndalama, ndipo sitingathe kutsutsana ndi izi, monga amamilioni ndi amalonda, ngakhale kuti amatha kuchita maloto weniweni, koma kawirikawiri sangadzitamande chifukwa chokhala ndi zochitika zabwino. Chimwemwe chiyenera kuonedwa ngati ndondomeko, osati chifukwa cha chuma chambiri.