Lokho kusho ngendoda isimo sakhe sengqondo ngemali

Ungase umangale ukwazi ukuthi amathuba okuthola inkinga yezezimali akuxhomekile nje kuphela esimweni ingakanani imali ku-akhawunti yakho yasebhange. ukucwaninga kososayensi kubonise ukuthi ukwakheka wakho ngokwengqondo nalo libalulekile.

Ucwaningo olwenziwa abacwaningi

Lolu cwaningo esekelwe imiphumela yokuhlolwa, wakhe ubuhanjelwe abantu abangaphezu kuka-100 000. Imiphumela yabonisa ukuthi isimo sakho sengqondo maqondana imali inomthelela yangempela ingozi ebhekene nezinkinga zezimali.

Ukuhlolwa yayisekelwe ucwaningo lwesayensi lwabantu abangaphezu kuka-100 000, okuyinto lwenziwe ngokubambisana phakathi-University College London, e-Open University kanye BBC Lab UK.

Ubuhlobo imali

Lolu cwaningo lwathola ukuthi kunezindlela ezine kanjani sikuqonda nemali. Ziyakwazi:

• imali namandla (osebenzisa imali);
• Imali njengoba isilinganiso yokuphana;
• imali njengoba ezokuphepha;
• imali njengoba inkululeko (ukuzimela).

Kwatholakala, siba izisulu ezilula ukuze izindlela okungenamsoco yokucabanga ngokuthi ukusebenzisa imali. Okuvame kakhulu yilona ukukhathazeka njalo mayelana ukuthi usebenzisa engakanani, ukuthenga izinto ukuzizwa engcono, futhi indaba ecatshangwe imikhuba yabo Abasebenzisa.

Ucwaningo luveza ukuthi zengqondo mayelana imali kungathinta ingozi enkulu ngokwezimali. Uma aphathe imali njengendlela ukuvikela izimpilo zabo, luzosiza ukwehlisa ingozi izinkinga zezimali. Uma izinsuku ngawe - lingamandla, ingozi ebhekene nobunzima liphuma khona. Ukuba khona noma yimuphi umkhuba omubi futhi kwandisa ingozi izinkinga zezimali.

Iziphi izindaba okunye?

Ubudala kuyisici esibalulekile. Ucwaningo luveza ukuthi intsha zimbi ukulawula ukuphathwa imali ngoba mancane amathuba okuthi ngihlela kusengaphambili.

Ubulili nakho kunendima okuyifezayo. Nakuba kubalulekile nobuntu, ngokuvamile, abesifazane bavame ukuphana kakhulu kunabesilisa. Ngaphezu kwalokho, bona bathanda ukuthenga, ukuzizwa engcono, futhi ukhathazeke kangakanani esiningi. Ngoba abantu, imali ezimweni eziningi kusho inkululeko kanye nekhono bafinyelele imigomo yabo.

Kodwa okubaluleke kakhulu, uma une imali enhle futhi ukonga. Lezi abe sesikhashana, okukuvumela yokugqashula izinkinga zezimali.

Leso sifundo saqhutshwa uSolwazi u-Adrian Fernhamom kusukela University College London futhi uProfesa Mark Fenton-O-ijika kusukela Open University.