Yintoni eyona nto inzima kakhulu ngomphathi weentengiso? Qinisekisa umthengi afuna le mveliso okanye inkonzo. Kwaye abathengisi abanamava amaninzi abachazwa ngabachasi beethengi, abakwaziyo ukuba baphendule njani kwiingxelo ezinjalo. Ngenxa yoko, umthengi ushiya, kwaye ufumana umkhiqizo ofanayo ukusuka kwenye, uxoxisana nabanye abanolwazi. Ngoko ke, kuyimfuneko ukwazi indlela yokusebenza kunye nezichaso zabaxhasi ekuthengiseni.
Izizathu kunye neentlobo zezichaso
Ngaphambi kokuqala ukulwa nezichaso, kuyimfuneko ukuqonda oko bakubizwayo kwaye bahlobo luni, oko kukuthi, ukuzama ukuqonda umthengi onokuthi angcono. Ukuba oku kungenziwanga, sebenzisa izichaso ekuthengiseni akuyi kuphumelela.
Ngokubanzi, isizathu sezichaso sinye kuphela - umthengi akayithandi into ekunikezeni kwakho. Yaye nantsi ikhetho: nokuba umthengi akawanelisekanga ngeemeko ezicetywayo, okanye akayiqondi into eyenziwa yinto yakho (inkonzo) engcono kunokuba isetyenziswe ukuthenga.
Iintlobo zezichaso, nazo, zimbini kwaye zinengqiqo. Ukuchasa izigaba zomthengi akuhambisani nemibandela yakho - intengo, imigangatho, umgangatho, njl. Kule meko, umthengi ubonakalisa ukunganeliseki kwifom ebukhali. Isampula sesicatshulwa soluhlu: "Yintoni endiyinyanzelayo! Ndithatha into efanayo into engabizi. " Kwi-80% yamatyala, izikhalazo ezinjalo zivela ngenxa yesiphakamiso esilungile. Ngoko ke, sebenzisana nezikhalazo zabathengi kufuneka ziqale ngokulungiselela ukuveliswa kwemveliso (inkonzo), kubalulekile ukufumana iingenelo zayo phezu kwezifana ezikhoyo kunye nokuzibonisa ngokufanelekileyo. I-20% yamatyala eengxabano zesigcawu yenziwa ngumnqweno womxhasi wokuxoxisana.
Ukuchasana okungenangqiqo kwenzeka xa umthengi akanalo lonke ulwazi olupheleleyo kwaye uchaza ukuba wenqaba ukuphikisa iingxabano. Imizekelo yezichaso:
- Kwiminyaka emininzi edlulileyo wayesebenza nawe, wayengenelisekile.
- Bathi unenxaki zokuhambisa.
- Ngokuqinisekileyo kwiinyanga ezimbini uya kuphakamisa intlawulo.
- Iimpahla zilungile kwaye ndiza kuthatha ukuba i-... ".
Ukusebenza nezichaso ekuthengiseni kulula nakakhulu, kuba apha umthengi uyazi ukuba iingxabano zakhe azikholisi. Ngoko ke, ukuqondisa iingcamango zomthengi ngendlela elungileyo kuya kuba lula. Nangona kukho iimeko xa umthengi akakwazi ukunika ingcamango ingcamango yakhe, kodwa ukunyaniseka kwakho akuboleki. Mhlawumbi ungumhlobo nomthengisi wakhe, ngoko ke izimo ezingenakunceda kakhulu zingamkholisa ukuba ahambe nawe. Kukho kwakhona inketho yokuba lowo uyakhohlisa nguyena mnqabileyo.
Emva kokuba izizathu kunye nohlobo lwezichaso zisungulwe, unokuqhubeka ukulwa nabo.
Indlela yokuphendula izichaso
Ngokwemvelo, nganye imeko ayinakuqwalaselwa, ngoko ke, kukho imigaqo embalwa ekufuneka ilandelwe ukuphumelela ngempumelelo izichaso.
- Yiphathe umthengi njengeqabane, kungekhona umchasi. Abaninzi abaphathi bayabonisana nokuqhagamshelana nomthengi njengomzabalazo. Isiphumo, njengoko ubonayo, sibuhlungu. Enyanisweni, isikhalazo kufuneka sivuyiswe, kuba kunjalo kuwe umthengi ngokwakhe unike ithuba lokukhupha ukwesaba kwakhe. Kuya kuba nzima ngakumbi xa umntu ehamba, ethembisa ukuba acinge ngesiphakamiso.
- Ukuseka uqhagamshelwano lomntu kunye nomxhasi. Ukuba umthengi uthembele kuwe, kuya kuba lula ukuvumelana neengxabano zakho, kwaye kungaphantsi kuya kuthanda.
- Zama ukufunda okungakumbi malunga neemfuno zabaxumi. Oku kuya kunceda ukuba unike iimpahla ngokufanayo njengoko umthengi adinga.
- Cacisa intsingiselo yesichaso. Umntu unokukhalaza ngexabiso eliphakamileyo ngezizathu ezahlukeneyo: unokungenayo imali eyaneleyo yokuthenga iimpahla, okanye mhlawumbi uye wabona izinto ezifanayo kwixabiso elincinci. Yaye ukuba uthe wafumana umntu okhuselekile engenayo kwaye uya kumnika umkhiqizo ongezantsi, unokukhubekisa kwaye ulahlekelwe ngumthengi.
- Khangela iinjongo ezifihliweyo. Ngokomzekelo, ukuchaswa ngesimo sesikhalazo malunga neendleko eziphezulu zeempahla kunokungathembeki komthengi kumthengisi (umzekelo). Ngako oko, kufuneka ucele imibuzo eyongezelelweyo: "Kuwe, intengo yinto yokumisela", "Awunelisekanga ngeendleko kuphela." Ngokuqhelekileyo ukuphendula le mibuzo, abathengi babelana ngokungathandabuzeki kwabo.
- Musa ukuphikisana nomxhasi, kodwa uqondise ingcamango yakhe ngendlela efanelekileyo. Xa ufuna ukunyanzela umxhasi, ngakumbi uya kukholelwa ekuchanekeni kokungathandabuzeki kwakhe. Ngako oko, vumelana naye, kwaye msinya uze unike iingxabano zakho. Umzekelo, "Ewe, ulungile, kodwa ngexesha elifanayo ....".
- Qiniseka. Ukuphuhlisa ukucinga kweengcamango, funda ukusebenzisa izifaniso, izaga kunye namazwi kwingxoxo. Ngoko kuya kuba lula kuwe ukuba uthumele umyalezo wakho kumxhasi.
Kwaye ekugqibeleni, omnye umthengisi obalaseleyo wathi kuye: "Isichaso asiyikuphela kokufa, kodwa i-ladder eqhuba ukuthengiswa."