Essentials nobunewunewu

Emarikeni-abadlali eziphambili zezi nkonzo nomakhi. Bona inxaxheba ekubunjweni namaxabiso kunye nefom sonikezelo kunye nemfuno. theory kwezoqoqosho Modern hypothesizes ukuba umboleki - oko ke okwetyeli lokugqibela, kuba nguye yedwa ukuhlola ngenxa yomsebenzi yomvelisi, okanye ukuthenga imveliso yakhe. Xa ezoqoqosho, yonke into usoloko iingqiqo kunye iziganeko ezihambelanayo. Ukuchaza izinto ezifana eziyimfuneko ezisisiseko kunye nobunewunewu, kufuneka bazi ukuba imfuno kunye luthambe.

Ukuzimisela ebango

Umthetho abafunwayo ngolu hlobo lulandelayo: i eliphezulu ngexabiso, inowuthi mali. Imfuno ubonisa indlela umboleki inyityilikiswayo imveliso ethile ngexabiso elithile. Imfuno ingachazwa ixabiso imfuneko. Lo mzobo ubonisa indlela umntu unako ukuthenga i yorhwebo ngexabiso elithile. Banalo nokuzimisela kunye nesakhono kunye nokufumaneka imali yokuthenga impahla.

Kodwa hayi ukuba lo mntu uza kufumana kanye intabalala iimpahla alisweleyo. Njani imveliso eza kufumana umsebenzisi kuxhomekeke kwizinto ezininzi zoqoqosho. Masithi, umenzi ayikho nako ukuvelisa ubungakanani iimpahla zifuna umthengi.

Iingcali ukuchonga imfuno ngamnye kunye lulonke. imfuno ngamnye - imfuno imveliso elithile umthengi ethile, kwaye lilonke - imfuno zabasebenzisi. Zezoqoqosho ngokuqhelekileyo benza isifundo kwemfuno ngokubanzi, kuba ixhomekeke kwiziko iminqweno lobuqu yomsebenzisi, kwaye kubonisa indlela ecace ngayo imeko nemakethe. Umzekelo, umthengi ethile akufunekanga ibe nomdla nayiphi na imveliso, kodwa emarikeni kuya kuba imfuno.

Umthetho lonikezelo

Njengoko kuchaziwe ngaphambili, kukho umthetho ebango. Siya phinda kwakhona: xa ukunyuka kwamaxabiso, imfuno imveliso kuncitshiswa izinto ezithile. Umthetho ngaphandle. Umzekelo, ngokwandisa ixabiso nezinto zodidi maxa wambi kukho ukwanda kwemfuno. Oku kungenxa yokuba xa ixabiso kwempahla lanyuka xa lithelekiswa namanye amaxabiso, abantu baqalisa ukucinga ukuba umgangatho le mveliso engcono, kuba ibiza kakhulu.

Ibanga okanye ibanga

Kukho into enje njengoko luthambe ebango. Lo mfanekiso ubonisa uya kwandisa okanye ukunciphisa kangakanani xa ifuthe kuyo yonke imiba amaxabiso kunye nexabiso. Siza kujonga ingeniso luthambe ebango. Index umisela imfuno atshintsha njani xa ukutshintsha ingeniso kwabathengi kangangexesha elithile. Luthambe yesinyanzeliso phantsi ingeniso le fom zilandelayo:

1. ifomu Positive. Ngenxa ukunyuka kwengeniso kwandisa umthamo ebango. Olu hlobo naphaya ibhekisela uhlobo ezifana kwempahla njengoko izinto zexabiso.
2. Ifomu negative. Ukuncitshiswa yesinyanzeliso ngokwandisa ingeniso. Le fom usebenza impahla amahlwempu-esemgangathweni.
3. Zero Form. Umthamo ebango akuxhomekekanga kumvuzo. Le fom iquka ezibalulekile.

izinto luthambe

luthambe Income ebango kuxhomekeke kwizinto ezininzi. Ezi ziquka:

• Ukubaluleka, ixabiso, ukubaluleka odla. Le mpahla ngaphezulu kufuneka umthengi, kokukhona kuya kuba luthambe.
• Ngaba kukho kuba nezinto zodidi okanye impahla nangokunyanzelwa yinkulumbuso.
• imfuno Routine. Xa umboleki banda ingeniso, akazange nangoko siba iimpahla zexabiso kakhulu.

Kuthiwa ukuba ngabathengi aneengeniso ezahlukeneyo, imveliso inye aphathwe njenge item zodidi, kunye nezinto eziyimfuneko. Kufuneka banike eminye imizekelo yengeniso luthambe ebango. Ezi ziquka Porsche lezemidlalo imoto brand. Umntu unako ukuthenga imoto entsha eninzi, njengengeniso layo linyuke. Isonka ukutya okuziinkozo kunye bran. Esi sonka ibiza ngaphezu isonka, kodwa iluncedo. Umntu unako kwakhona ukuhlawula kunye ukwanda kwengeniso. iisepha ngesandla. Umsebenzisi buyisela endala iimpahla analogu ngemihla ukuze ephakamileyo-umgangatho yaye kuziindleko, njengoko ingeniso yakhe ivumela kuyo. Imali eninzi kwaye ezikumgangatho ophezulu ipetroli. Umthengi unelungelo ukuyithenga kakhulu ezikumgangatho ophezulu ipetroli ukwandisa ubomi moto ngenxa yesizathu esifanayo - ukwandisa imali engenayo.

ukungavumelani kwe luthambe

It ikhona sokulinganisa 'ngumlingani ka luthambe yengeniso kwemfuno luthambe. Osoqoqosho ukuchaza ifomula apho kunokwenzeka ukubala:

E = Q1: Q / I1: I

apho:

I - abathengi ingeniso;

Q - umthamo iimpahla.

Ngumlingani xhaxhe ngokohlobo kwempahla.

Into ekufuneka

Kukho iintlobo ezininzi kwempahla: eziqhelekileyo ngokuhla. Eziqhelekileyo (normal) - impahla leyo bafune ukunyuka ngengeniso. Kwelinye icala, ukuba zohlulwa ngokwendidi ezimbini: nezinto zodidi, izinto ezifunekayo (oko kukuthi amaninzi kusetyenziswa kwaye usebenzise yonke imihla, ezifana intlama). 'Ngumlingani ka luthambe yesinyanzeliso kwizinto eziqhelekileyo ngaphantsi kwe mnye, kuba ne ukwandisa abathengi ingeniso ekuthengeni izinto more.

nezinto zodidi - iimpahla ukuba wonke umntu akwazi ukufikelela. abantu abo bathenga ngaphantsi. Cars - into zodidi. Xa essentials, umda saturation apho. Umzekelo, i isepha. Abantu baya kuthenga kangangoko zinako kudla kuyo. Njani isepha eninzi Enoba iindleko, kuya kusoloko kuyimfuneko.

ezibizayo

Eziphambili - izinto okanye impahla ukuba akazalani iimfuno ezisisiseko le nkonzo. Abantu Ndingahlala ngaphandle kwawo. 'Ngumlingani ka luthambe yempahla ubuncwane mkhulu kunalowo. Ukunyusa ingeniso kwabathengi kunye nokwandisa isabelo nezinto zodidi. Kwemfuno yeempahla zexabiso siboniswe kuphela xa umsebenzisi efikelela kwinqanaba elithile yengeniso. Abantu kuqala ukuthenga izinto ezinxulumene ukusinda, uze ucinge i "ukuzinkcinkca".

Izigulane akayi ukunciphisa inani lotyelelo ukuya kugqirha, nokuba ixabiso kweenkonzo zonyango liza kunyuka. Kwangaxeshanye, ukunyuka kwamaxabiso iphenyane kukhokelela ekuncipheni kwimfuno. Yintoni na isizathu le nto? Isizathu kukuba abasebenzisi abaninzi bazive ukuba kufuneka ukutyelela ugqirha kuthenga kwezikhephe - okuphambili. amandla ukuthenga Abathengi 'inceda abezoqoqosho ukufumanisa yeyiphi udidi imveliso bobabo. Ukuze umntu othanda ulwandle kwaye luphile, lo kwezikhephe kunokubonwa njenge kokokunyanzelwa, uhambo ukuya kugqirha - njenge item zodidi.

Nabani na ukwahlula ukhetho isipho esivela peni njengesiqhelo. Yintoni umahluko phakathi kwabo? Thina iinketho isipho eliqaqambileyo inki intonga engcono kunye nezindlu mihle. Le umqheba ukhululekile ukuba bazibambe, uya andahexa kwaye ibonakala okuqinileyo. Ezi ezibayeni isipho bakutshelwe apakishwe kwiimeko ezizodwa, nto leyo kubomi bemihla ngemihla hayi zifuneka. Oko kukuthi, uthenga umba, apho kamva iza kusetyenziswa. Le peni eninzi ehlonitshwe, kodwa zisebenza kancinane.

pahla - impahla nomgangatho osezantsi. Imfuneko izinto ezinjalo lifinyele. Bona indawo ezikumgangatho ophezulu. Bona-izinga yesibini ukutya, impahla yesibini-esandleni.

isiphelo

Amazwe ezivelisa izinto ezibalulekileyo (iimveliso zolimo, kwemigodi, umbane), ukuya ngotyefezo ngamazwe azikho kwindawo engcono ngaphezu kwamazwe ezivelisa Luxury ngaphakathi, iimoto, izixhobo. Ngenxa yokwanda ingeniso kwabathengi 'iindleko kwempahla ebalulekileyo libe lisalele kude emva iindleko nezinto zodidi. Lilele esinye sezizathu kwisahlulo njengenkqubo yoqoqosho yehlabathi.