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11.‎1 FUNDA LENDATSHANA

Isimo Sokuceba

Umcebo (inani eliningi) lento, efana nemali, impahla, abangane nempilo enhle.

Uma unolayini oya phezulu egrafini, lokho Umcebo. Noma ngabe inyuke ngesonto elilodwa noma inyuke isuka endaweni yayo yokugcina isonto nesonto eledlule, Umcebo.

Noma ngubani osebenza Nomcebo kufanele azi ukuthi udinga ukuphathwa ngokucophelela kunazo zonke izimo. Kuyinto, ngokumangazayo ngokwanele, eyingozi kunazo zonke izimo ngoba uma umuntu engayiboni futhi esebenzisa ifomula, imiphumela ingaba mibi kakhulu. Yazi bese uyiphatha kahle futhi imiphumela mihle.

KunamaFomula amabili wo-Mcebo: eyodwa esebenza kwezimali kanti enye isebenza ezenzweni zomuntu. Eyokuqala enikezwe ngezansi iphathelene nomcebo wezimali.

IFomula Yomcebo

Ifomula esetshenziswayo Emcebweni kwezezimali yile:

  1. Gcina imali (nciphisa ukusetshenziswa kwemali nanoma ikuphi ukuyimosha).

    Ngemuva kwalokho yenza isiqiniseko kakhulu, sokuthi awuthengi lutho noma uqashe noma ngubani onesibopho (izivumelwano zokuthi uzokhokha okuthile ngokuzayo). Misa kunoma yikuphi ukusetshenziswa kwemali okungadingekile.

  2. Khokha yonke imali ekhokhwayo. Thola yonke imali ongayithola kunoma iyiphi indawo—yonke imali oyikweletayo noma kuphi—bese uyikhokha. Ufuna ukuthola izikweletu zakho ziye kusondele ku-zero njengoba ungathola noma zehle ziye ku-zero.

  3. Beka imali esele ezintweni ezizokwenza kube nokwenzeka ukuletha.

  4. Thola ukuthi yini ebangele Isimo Sokuceba bese uyiqinisa.

ISIBONELO SEFOMULA YOMCEBO

Ake sibheke ukuthi kusebenza kanjani lokhu empilweni. Thatha insizwa ethengisa izimoto. Wakha isibalo sokubonisa isimo esicebile ekuthengisweni kwezimoto, ethengisa izimoto eziningi ngesonto elilodwa kunakuliphi isonto emlandweni wale nkampani. Ngenxa yalokho umphathi wakhe umnikeza ibhonasi enkulu kakhulu.

Manje, ngenkathi isifiso sakhe esiseduze ukuthi ahambe ayothenga izingubo ezintsha, iwashi elisha nobucwebe obuhle kumkakhe, uyaqiniseka ukuthi akaphumi ayochitha yonke imali yakhe. Uyazi ukuthi ngokusebenzisa iFomula Yomcebo uzodala omunye umcebo.

Isinyathelo sakhe sokuqala ukonga imali.

Uthatha ibhonasi enkulu abengayilindele futhi ngokushesha uyibhange imali. Ube esethi kumkakhe: “Simosha kuphi imali? Sidinga ukunciphisa noma yikuphi ukumosheka.” Ngokubambisana bathola ukuthi bachitha imali ukuthenga amagajethi abangakaze bawasebenzise futhi bajoyine amakilabhu abizayo abangayi kuwo. Babheka ukuthi banganciphisa kanjani imali abayisebenzisayo bese benza kanjalo.

Isinyathelo esilandelayo ukukhokha yonke imali ekhokhwayo. Yena nomkakhe babhala zonke izindleko zabo. Ngebhonasi enkulu ayitholile, bayakwazi ukukhokhela wonke umuntu.

Manje usebenzisa isinyathelo sokugcina seFomula Yokuceba ukuthola ukuthi yini ebangele Isimo Sokuhlangana futhi asiqinise. Lokhu kudinga umsebenzi othile wokucophelela. Kuqala ucabanga ukuthi “kwakuyinhlanhla” nje ukuthi athengise izimoto eziningi kakhulu futhi ngeke esaphinde wakwenza. Kepha lapho efunda ngempela ukuthi wakwenza kanjani lokho kudla izambane likapondo, uyabona ukuthi ubekade enza uhlelo olugqugquzela kakhulu ukuthi abantu “bahlole ukushayela.” Lolu hlelo beluletha abantu abaningi embukisweni wakhe futhi lumnikeze ithuba lokukhuluma nabo. Lolu kwakunguhlelo olwaqala umcebo! Wazisa umphathi wakhe ngalokho akutholile futhi ngokubambisana bayaqinisa umkhankaso wokumaketha othi “thatha ukuhlola ukushayela.”

Le nsizwa igcwalisa ngempumelelo iFomula Yomcebo futhi adale ezinye izintshisekelo. Usendleleni eya eSimeni Samandla.

Ifomula Yokwenza Umcebo

Lapho i-Affluence ikhona ngokususelwa ekulinganiseni kwezenzo zomuntu izibalo zokubonisa isimo, futhi kungahlobene nemali, nansi ifomula ongayisebenzisa.

  1. Gcina imali ngezenzo ezingadingekile noma ezihlakazekile (eziya ngezindlela ezihlukile) ezinganikelanga (ukusiza noma ukusiza) kulesi simo esikhona. Gcina imali ngokuqothula yonke imfucuza.

  2. Yenza zonke izenzo zibalwe futhi ungachithi isikhathi wenza noma iziphi izenzo ezingenamsebenzi. Isenzo ngasinye esisha ukufaka isandla futhi sibe ngesohlobo olufanayo nolwesenzo esinikelile.

  3. Qinisa konke ukuthuthuka. Noma iyiphi indawo othole inzuzo, uyayigcina. Ungavumeli izinto ziphumule noma zibe zimbi kakhulu. Ungavumeli izinto zishintshe sakushintsha (ukuhambela phezulu naphezulu). Noma iyiphi inzuzo onayo, yigcine, uyigcinisise.

  4. Zitholele ngokwakho ukuthi yini ebangele Isimo Sokuceba endaweni yangakini bese uyiqinisa.

Intombazane isebenza enkampanini eyenza onodoli abenziwe ngezandla. Ungumdwebi futhi unodoli ngamunye ukhethekile. Imvamisa wenza unodoli owodwa noma amabili ngesonto. Kodwa-ke, emasontweni amathathu ngaphambi kukaKhisimusi, inkampani inama-oda amaningi kakhulu kangangokuthi wathola indlela yokwenza onodoli abenziwe ngezandla abayishumi ngalelo sonto. Ucebile ngezenzo zakhe. Manje, ngokulandela ngqo isinyathelo ngasinye seFomula Yokwenza Umcebo uyakwazi ukuqhubeka nokunotha nokukhiqiza okuphezulu.

QAPHELA: Ukuze uqhubeke, kufanele uqedele zonke izinyathelo zangaphambilini kule isifundo. Isinyathelo sakho sokugcina esingaphelele ngu
QAPHELA: Unezimpendulo eziningana ebezingalungile. Ukuze uqhubeke, kufanele uphinde ufunde indatshana bese uhlola ukuqonda kwakho futhi.