Kungani Sifuna Ube Umhwebi Ophumelelayo

Isevisi yokuhweba ngamakhophi. I-Algo yethu ivula futhi ivale ngokuzenzakalelayo ukuhweba.

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Ukuhwebelana okungafika kuma-70 ngenyanga. Kunamapheya angaphezu kwama-5 atholakalayo.

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"Uma usuthathe isifiso sokwenza imali ngokuhweba kwakho bese ufaka isifiso sokwenza lokho okwenziwa abathengisi abahle, ingqondo yakho iyashintsha futhi ikuvumela ukuthi wenze izinqumo ezinhle kakhulu." - UCraig Cobb

Isinyathelo esiphakathi kwePenury neSolvency
U-Alan (amagama akulo mbhalo ushintshiwe) usefinyelele ekugcineni kwe-tether yakhe. Umsebenzi wakhe wezandla awenele ukumphakela ukudla okuyisisekelo, ingasaphathwa eyokukhokha irenti yakhe. Uyaguga futhi udinga ukushada ukuze akwazi ukuqala umndeni, kepha akakwazi ngisho nokuthola umcimbi womshado obaluleke kakhulu. Ufuna ukuqoqa imali yomshado wakhe. Usebenza efemini yamakhemikhali futhi uqashwa ngokushesha. Kwenzeka ukuthi noma ngubani ofaka isicelo lapho aqashwe ngokushesha ngoba asikho isizinda semfundo esidingekayo. Ngaphandle kwalokho, indoda enamandla kunazo zonke emhlabeni ayikwazi ukusebenza efektri unyaka owodwa.

U-Alan uthola ukuthi izimo zokusebenza zimbi kabi. Ngaphandle kokuthi kufanele usebenze okungenani amahora ayi-12 ngosuku (amahora angama-84 ngeviki), ngomsebenzi onzima kakhulu, ukuphepha kwefektri kunesilinganiso esingu-zero kanti ikhemikhali elihogayo ngokwalo linobungozi obukhulu bezempilo. Uma ulimala, uzoxoshwa ngaphandle kosizo lokuqala. Umholo wenyanga ungaphansi kwama- $ 100. Uhlawuliswa ngokufika sekwephuzile emsebenzini futhi kudonswa u- $ 3 emholweni wakho ngosuku uma ungekho, noma ngabe ukungabikho kwakho kungenxa yezinkinga ze-heath.

U-Alan uthanda ukusebenza kanzima futhi uqine, nokho uyawuyeka lo msebenzi esikhathini esingaphansi kwamasonto amathathu. Amakhemikhali anuka kabi ayayikhokha impilo yakhe.

UmkaSamson ufile, ushiye izingane ezintathu ukuba azinakekele. USamson ukholelwa ukuthi ukuphela kwendlela yokuhlonipha inkumbulo yomkakhe amthanda kakhulu ukunakekela izingane zakhe kahle. Yize imali ayiholayo ingako kangako, uyiphatha kahle imali ukuze izingane zikwazi ukuya esikoleni futhi zithole nokudla okuyisisekelo okulinganiselayo.

Ngokungazelelwe, umphathi kaSamson umemezela ukuthi inkampani ayisenzi nzuzo futhi bonke abasebenzi bazodilizwa esikhathini esingangenyanga. Ifemu iyagoqeka. Kusukela lapho, uSamson ubelokhu efuna umsebenzi - noma yimuphi umsebenzi - ngaphandle kwempumelelo. Uhlala ezweni lapho ngaphezu kuka-40% wezakhamizi ezinamandla zingasebenzi. Izingane manje ziyahlupheka: ziphumile esikoleni futhi azondlekile.

U-Alisa ungunkosikazi wendlu ngokugcwele futhi ungumama onokwethenjelwa. Usulile emsebenzini wakhe ukuze anakekele izingane zakhe, ngoba ukhathazekile ukuthi izingane zakhe zingahle zithwaleke kanzima uma yena nomuntu amthandayo kufanele bahlale kude nekhaya ngenxa yezizathu zomnotho.

U-Alisa, nokho, ubona ukuthi umholo womyeni wakhe ubuzolingana nje ukondla umndeni. Ngakho-ke, udinga ukubheka imali engenayo yokwengeza imali engenayo yomndeni futhi nokuvikela ikusasa labo.

Impilo igcwele ingozi. Umuntu uhlulwa okhethweni ngemuva kokuchitha imali enkulu. Lokho akukwenzi kungafanele ukusebenzisa imali okhethweni. Othile uqala ibhizinisi lokuhamba agcine esebenza ngokulahlekelwa. Lokho akusho ukuthi ibhizinisi lezokuthutha alilungile. Umuntu ulahlekelwa ingane yakhe ngemuva kokusebenzisa imali enkulu ukuyikhulisa futhi wayifundisa. Lokho akusho ukuthi kuyichitha ukunakekela izingane zakho. Othile uthenga ezinye izinto eziyigugu ezigcina zebiwe, kepha lokho akusho ukuthi akulungile ukuthenga izinto eziyigugu. Kukhiqizwa i-movie noma i-albhamu, kepha ayithengisi kahle (isihloko esintengantengayo noma ukwehluleka kokushayisa). Ngabe sidinga ukutshela abantu ukuthi badede ekukhiqizeni ama-movie noma ama-albhamu? Umzalwane othandekayo uyagula futhi ulaliswe esibhedlela. Sikhulekela kakhulu ukuba alulame; nokho uyafa. Ngabe lokho kusho ukuthi imithandazo ayisizi ngalutho? Indlu yomuntu othile icekelwe phansi enhlekeleleni yemvelo, kepha lokho akusho ukuthi kufanele sishumayele ngokungafuni ukuba nomuzi. Umshado womunye umuntu uphahlazeka ngemuva kokuchitha izindodla zemali enyunyaneni. Ngabe lokho kusho ukuthi akulungile ukushada? Umuntu uthole ingozi ngemoto yakhe. Ngabe lokho kusho ukuthi umuntu akufanele athenge imoto? Uhlu lungaqhubeka. Odokotela bagqunywa ejele. Izikebhe ziyaphela. Izimayini ziyaqhuma, njll. Uhlu lwezingozi zobuchwepheshe eziphuma ekuhwebeni alupheli.

Iqiniso lokuthi abanye abantu bayalahlekelwa ekuhwebeni alikwenzi kube umsebenzi omubi. Lokhu kuhluke kakhulu kulokho amalungu omphakathi akholelwa kukho. Uma bebona ukuhweba okukodwa okungalungile, baqala ukushumayeza abantu ukuze bagweme ukuhweba njengesifo. Laba ngabantu abalahlekelwa kwezinye izindawo zokuphila kepha ababoni izinto ezimbi kuzo. Uma ungabazi abathengisi abaphumelelayo, baningi babo.

Abantu abaningi babona ukuthi ukuhweba kuyingozi. Noma kunjalo, balahlekelwa kakhulu kwezinye izici zokuphila. Iningi labantu liqala amabhizinisi amancane; kodwa izibalo zikhombisa ukuthi ngaphezu kwama-90% amabhizinisi amancane akhona ayahluleka eminyakeni emithathu yokuqala. Cabanga ngomsebenzi olula, izigidi zabantu nazo zicabanga ukwenza lowo msebenzi. Umnotho usuvele ugcwele. Ngokuvamile, imisebenzi nokuhweba okuthola kulula kubo bonke oTom, uDick noHarry ukuthi kulethe inkululeko yezezimali. Izinhlobo zemisebenzi eziletha inkululeko yangempela yezezimali - njengokuhweba ezimakethe - yilokho abantu abaningi abakwenyanyayo futhi bakuthole kuyinselele enkulu.

Abanye abantu abafundile bayahlupheka ngoba bakholelwa ukuthi 'Ngicela ukusebenzisa' ukucabanga. Ngemuva kwakho konke, yingakho iningi labantu lifunda emakolishi. Enye yezinto ezinzima kakhulu umuntu angayenza manje ukufuna nokuthola umsebenzi omuhle. Isibalo sabaphuma ezikoleni siyaqhubeka nokudlula isibalo semisebenzi esidalwayo futhi isimo sinamathuba amaningi okuba sibi kakhulu.

Ngazi umuntu othile owayefuna ukuqashwa enkampanini ethandwayo kawoyela. Watshelwa ukuba athole iziqu zemasters, ngoba wayeneziqu ze-bachelor kuphela ngaleso sikhathi. Wabhalisa ohlelweni lwe-master degree. Ngemuva kokuphothula lolu hlelo, wabuyela enkampanini kawoyela, watshelwa ukuthi asikho isikhala sakhe. Yize iziqu zakhe zingeyona inkinga kuye, ngabe kufanele asebenzele inkampani kawoyela? Ungacela uDeron Wagner noma u-Anton Kreil ukuthi baye ezifundweni zemasters ngaphambi kokuba ubaqashe?

Ngaphandle kwenkululeko yezezimali, ikusasa libukeka limfiliba ngempela. Izinkampani eziningi ezizimele azinazo izinhlelo zokuthatha umhlalaphansi zabasebenzi bazo, ngisho nasemazweni athuthukile. Izinkampani eziningi nezinhlangano manje sezikhetha abasebenzi bezinkontileka. Ngabe ufuna ukubeka ikusasa lakho lezezimali ezandleni zomphathi wakho?

Kungenzeka ukuthi usebenza njengamanje (noma uyazisebenza), kepha ucabanga ukuthi abantu basazodinga izinsiza zakho lapho sebekhulile? Uma unguplamba noma umshayeli, ngabe abantu basangakunika imisebenzi ongayenza lapho usugugile, kuyilapho kunezinsizwa eziningi ezinekhono futhi? Ngabe ugcine imali eyanele yokuguga kwakho, noma ulindele ukuthi izingane zakho zikusekele ngaleso sikhathi?

Ukukhula mdala akulona icala: kuyilungelo. Noma kunjalo, abanye abaqashi bebengeke bakucabangele uma ungaphezu kobudala obuthile. Bazokutshela: “Abafakizicelo abangaphezulu kweminyaka engama-25 akudingeki bafake izicelo.” Ngabe bangakusho lokho kuDavid Tepper noma kuDavid Harding?

Akukho lutho olwavela, akuzuzanga lutho; futhi ungenzi lutho ungabi yilutho. Uma ungaba ngumhwebi ophumelelayo, uzothola inkululeko yezezimali. Ngeke uthathe umhlalaphansi, ngoba uzoqhubeka nokuhweba usugugile. Uzohweba ngokukhululeka nangaphandle kwamandla futhi uklonyeliswe. Abantu abanjengoVan K. Tharp noJoe Ross bangabahwebi asebekhulile futhi bayaphumelela.

Uma ukhula futhi uba neminyaka eminingi yokuhlangenwe nakho, kulapho kubaluleke kakhulu futhi kulapho ufunwa kakhulu.

Ukuhweba ibhizinisi elibucayi. Sifuna ukuthi ube ngumhwebi ophumelelayo. Ngenkathi abantu bekhononda ngobunzima bezomnotho, uzomomotheka kuphela uze uye ebhange lakho.

Le ngcezu iphela ngesilinganiso esingezansi:

“… Ukuhweba kuyikhono lokukhokha intengo yento oyifunayo. Kuwubuciko bokubheka ukwesaba njengesono esikhulu kunazo zonke, nokuyeka njengephutha elikhulu kunawo wonke. Kuyikhono lokwamukela ukwehluleka njengesinyathelo sokuya empumelelweni. ” - URoy Longstreet

Kuthathwe encwadini: “Vula Amandla Akho Ngeqiniso Lokuhweba”