Ukubambisana komthengi kungabe kunjalo? Iyini insalela yomthengi nomkhiqizi?

Ngokuvamile, ngomkhiqizo othize, sizimisele ukukhokha okungaphezu kwalokho okuyizindleko, okungenxa yezidingo zethu zemvelo nezifiso zethu. Amathuba ethu anjalo ayingxenye ehlukile esakhiweni semakethe enempilo, esizoxoxa ngezansi.

Yini umthengi adinga?

Kunzima ukuqonda ukuthi yini umthengi owedlula, uma umuntu engayiqondi ngokugcwele ukushayela kwalesi simo-mfuneko. Wonke umuntu uyazi kusukela embonweni wezomnotho ukuthi lesi sigaba siyisisekelo sabo bonke ubudlelwane bemakethe, ngoba ngenxa yakhe kuphela isiphakamiso senziwa, futhi, ngokufanayo, ukulingana kwempahla kanye nezinsizakalo ezinikezwa futhi zenziwa.

Unganqikazi ukusho ukuthi imakethe iqhutshwa ngumthengi, okuyinto futhi, lapho ekhetha ukuthenga okuthile isekelwe ezintweni eziningi.

Noma ubani oshilo noma yikuphi, kodwa amandla amakhulu okushayela ezenzweni zanoma yimuphi umthengi - lezi yizici ezikhethiwe. Akekho oyoke athole into ayidingi, ngakho-ke wonke umuntu uhlala ezidingo zakhe siqu.

Esikhathini sesigaba sesibili, umthengi ukwandisa ukusebentisa nokulinganisa kokuthola kwakhe, ngamanye amazwi, uletha izifiso zakhe eduze kwesibonakaliso sokuthi "intengo yezinga eliphezulu".

Yiqiniso, lapha umuntu akakwazi ukukwenza ngaphandle kokuqhathanisa izifiso zomuntu ngamathuba akho ezemali, ngakho-ke into elandelayo - izindleko zezinto ezinhle noma izinsizakalo maqondana nempahla ehlongozwayo engena esikhundleni sabanye abakhiqizi.

Manje singakwazi ukuphendula umbuzo owenziwe ngaphambili: umthengi udinga umkhiqizo ohlangabezana nemigomo yakhe yombili eyazi kahle futhi engaziqondi, esekelwe kokubili izici eziqaphelayo nezingenakuqonda.

Umthengi uvame ukuziphatha kanjani?

Ngakho-ke, siyaqonda ukuthi izenzo zomthengi zisekelwephi, kodwa kubonakala kanjani ngokusebenza? Ngokusobala, umthengi ongase abe nesithakazelo angase abe nesithakazelo kumkhiqizo ofanayo kusuka kubathengisi abaningana ngesikhathi esifanayo, kodwa ngemva kokuwuthengisa kuphela kusuka kumunye noma ongakwenzi ukuthenga nhlobo. Kungani lokhu kwenzeka?

Iqiniso liwukuthi ngokuvamile izifiso nezidingo zomthengi zinengqondo, futhi ngamunye ukhetha izinga lokusetshenziswa komthengi, kokubili yena kanye namalungu omndeni wakhe. Ngaphezu kwalokho, ummeli ngamunye wesidingo unesivimbela saso sezinkinga zemali, kanti uma impahla ethile ingenayo isidingo sokuqala, cishe akunakho ukukhokha inani eliphezulu kakhulu.

Ngokuvamile umthengi ufuna umkhiqizo ngezindleko eziphansi, kodwa lokho akusho ukuthi kufanele kube ngekhwalithi empofu. Kusukela lapha umuntu angaqala phambili futhi aqaphele ukuthi insalela yomthengi ingumthamo wemali, okuyinto umehluko emkhatsini wezindleko umthengi ayezimisele ukukhokha kanye nalowo ayekhokha ngempela. Ngamanye amazwi - ngithole umkhiqizo ofanayo wexabiso eliphansi kusuka komunye umdayisi.

Umthengi nemakethe

Ungakhohlwa ukuthi umthengi owedlula ikakhulukazi uyisici semakethe evamile, lapho kukhona khona izingxenye ezinjengokudinga nokunikezwa.

Ngokuhambisana nolwazi olungenhla, kungaphetha ngokuthi isifiso namandla okuthenga umthengi ukuthenga umkhiqizo othize noma isevisi isikhathi esithile sesikhathi futhi ubonise isimo sokufuna. Lezi zinsuku zincike ezintweni eziningana: izinkomba zomphakathi nezamasiko ezimakethe, izinga lemali yabantu, ikhwalithi yomkhiqizo ohlongozwayo, imikhiqizo yabancintisana nokubaluleka kwayo.

Ngalokho, kudinga ukusebenzisana nesiphakamiso, okubuye kuxhomeke ezintweni ezihlukahlukene zangaphandle zomphakathi nezamasiko, kanye nezici zangaphakathi. Lokhu kuhlanganisa izinga lokusetshenziswa okulindelekile nokuncintisana kwezimpahla emakethe.

Ngakho-ke yikuphi okungekho - umthengi esele?

Kancane kancane, sondela eduze komqondo oyinhloko walesi sihloko, lapho kungashiwo khona, izinqubo ezihlukahlukene zokubangela imakethe eziyingozi. Ngakho-ke, izidakamizwa ezithengiwe imali eningi njengoba ushiye ephaketheni lakho emva kokuthenga, nakuba uhlose ukuyisebenzisa.

Sonke siyazi kusukela ezisekelweni zombono wezomnotho mayelana nokujwayela kwesevisi yezinto ezisebenzayo zenani elithile leyunithi labantu. Ngakho-ke, isibonelo, uma ufuna i-apula futhi uthenge i-kilogram, khona-ke ngesithelo ngasinye esidliwe insizakalo yayo kuyokwehla kumazinga wokuthuthukiswa kwe-arithmetic negative.

Okuphezulu ongakhokhela i-apula eyodwa idliwe, isibonelo, ama-ruble angu-5, kodwa ungakhohlwa ukuthi ngeyunithi ngayinye intengo oyinikezayo izokwehla. Emakethe, uhlinzekwa ukuthenga izimpahla ezi-2 ruble ngesithelo ngasinye, futhi lapha umehluko oqoqayo phakathi kwakho kanye nentengo ehlongozwayo kuyoba yinto eyengeziwe emthengi. Ifomula yokubala okucacile kwalesi sikhombisi izonikezwa ngezansi. Kulungile, manje, sizokwazi ukuthi lesi senzakalo singathinta kanjani.

Iyiphi inzuzo umthengi angayithola?

Kumele kuqashelwe ukuthi insalela yomthengi akuyona imali kuphela yokugcina imali, ikakhulukazi inzuzo yakhe. Ukuze sibone isibonelo, ake sidwebe igrafu lapho njengejika le-TU sibonisa izinga eliguquguqukayo lokusetshenziswa kwe-apple yethu, kodwa isibonakaliso C sizokhuluma ngezindleko zempahla, umugqa oqondile q uzokhombisa ubungakanani bezimpahla. Sibona ukuthi izinga eliphezulu le-utility lihambisana nentengo kuphela yevolumu ethile yokufunwa (q ₀ ), bese i-angle iya ekunciphiseni, okubonisa ukuthi izidumbu zabathengi, ezivela kuleli phuzu, ziyanda.

Ngakho-ke, singaphetha ngokuthi: ukuphakama kwekhasi lokunganakwa kuphakama ngaphezu kokuxhumana okuphawulekayo kwezinkomba, inzuzo eyengeziwe umthengi ayothola kulo msebenzi ohlongozwayo, futhi uzokwazi ukuhlangabezana nezinye izidingo zezimali ezitholiwe.

Ukubambisana komthengi ngokumelene nesizinda semakethe yonke

Ngakho-ke, safunda ukuthi umehluko phakathi kwenani elilindelekile futhi elikhokhwayo lemikhiqizo ethile lisebenza esibonelweni somthengi othile. Futhi manje ake sibone ukuthi insalela yomthengi ingabheka kanjani emakethe yonke. Igrafu ngezansi imelela intengo yama-apula ethu (P) eduze kwe-axis eqondile, nenombolo yabo (Q) eceleni kwe-axis enezingqimba. Kulesi simo, uphawu P ₀ lubonisa izinga lentengo yemakethe evunyelwe ngokuvamile yesithelo ngokwesilinganiso.

Ngokufanisa, silandela ama-curity e-utility eduze kwe-axis yamanani (kubathengi ngabanye bazoba ngabanye) futhi banqume inzuzo yomthengi ngamunye ngesimo semidwebo eboshiwe.

Emfanekisweni ocacile, konke kulula kakhulu futhi kuyaqondakala - kukhona isibalo esithile, yiyona inkomba efunwa, kodwa ukuthi ungayithola kanjani insalela yomthengi? Ifomula ilula: kudingeka sibone indawo yesibalo ngasinye, bese ufingqa izinkomba ezitholakalayo. Inani lokugcina futhi liyoba yinzuzo ephelele yabathengi emakethe yama-apula njengamanje.

Okungaphezulu komthengi nomkhiqizi

Uma sikhuluma ngesici sokuziphatha somthengi, ngeke kuphakanyiswe ukuba singakhumbuli izici ezithile zokuziphatha komdayisi. Ungakhohlwa ukuthi iningi labathengi kanye nabakhiqizi - izinkomba zihlangene futhi, hhayi ukwesaba ukukhuluma, ukuzibandakanya. Lo mbiko ubonisa umehluko emkhatsini wemali yemthengisi ehlelwe ukuthi ithole kusukela ekuthengisweni futhi empeleni ithole.

Esikhatsini esingezansi, umugqa D ubonisa intengo umthengi ozimisele ukuyikhokha, futhi i-S eqondile ibonisa izindleko ezinikezwa ngumenzi. Ngesinye isikhathi bahlangene (ukuthengiselana sekuphethwe), kanye nezintathu ezibunjiwe (ezingenhla nangaphansi, ngokulandelana) zikhombisa inzuzo etholakalayo umthengi kanye nezindleko okuthiwa yizindleko ezilindelekile kumdayisi.

Indlela yokufeza ukulingana kwemakethe?

Kungani kwenzeka ukuthi kuwo wonke amathuba omthengi kanye nezicelo zomdayisi, kodwa ajoyina inani elithile nephuzu elilinganiselwe ukuze agcwalise isivumelwano? Futhi kuleso simo wonke umuntu uyajabula - othile uthola imali, futhi omunye umuntu unelisekile izidingo zakhe, futhi ngezinye izikhathi, uma uhlelo lwesabelomali luvumela, khona-ke kungase kube khona okungekho komthengi, okuyiyona ibhonasi enhle, ngoba imali ishiywe !! !!

Konke lokhu kwenzeka ngenxa yokuthi imakethe yethu iguquguqukayo, ngamanye amazwi, noma yikuphi ukufunwa okubucayi ngokuphathelene nokunikezwa, ikhwalithi yomkhiqizo nokubaluleka kwayo. Ngesikhathi esifanayo, singasho ukuthi amandla okuthenga aqina ngokweqile futhi aguquke nezinguquko ezingxenyeni zangaphandle ngokushesha kakhulu kunokwazi komdayisi.

Ngakho-ke, uma u-apula usuku olulodwa lukhuphuka ngentengo, ukufunwa isikhathi esithile kuyowela kancane, kodwa kamuva kuzodlula, kodwa uma inqubomgomo yentela ekuthengeni kwama-apula ihluke, khona-ke umenzi uzodinga ukuchitha isikhathi esiningi ekutholeni umsebenzi wakhe.

Okubambisene nomthengi kanye nombuso

Ngezinye izikhathi kwenzeka ukuthi umbuso uphumelele kwinqubo yentengo (ngokuvamile emazweni anombuso ohleliwe wezomnotho) futhi ubeka umngcele wokubaluleka kwezimpahla. Egrafini (bheka ngezansi), umugqa oqondile P ₁ ubonisa umngcele kahulumeni, ongaphansi kwesibalo. Kulesi simo, inzuzo yomthengi iyoba ngaphezulu kakhulu kunangaphambili, kodwa kungase kube khona ukusweleka kwezimpahla, okuvezwe ngokucacile esikhathini sokuqala Q ₁ - Q ₂ .

Ngakho isiphetho sibonisa ukuthi noma yikuphi ukuphazamiseka kwamandla amathathu kuhlanganisa ukunciphisa izinga lempilo yabantu, ngoba ingxenye ethile kuyohlala ngaphandle kwempahla. Ngakho-ke, inqubo yemakethe kufanele ibe ngumphumela wokuxhumana phakathi komthengi nomdayisi endaweni yokuncintisana enempilo, futhi akukho lutho olungaphezulu.