LicheletePersonal Finance

Hore e se buang ka monna ea maikutlo a hae ka chelete

O 'na ua makala ho tseba hore monyetla oa ho bothata lichelete itšetlehile eseng feela ka bokae chelete ke ka lebaka la hao ya banka. lipatlisiso tsa saense e bontšitse hore litlolo hao a kelello le hona ke habohlokoa.

Phuputso e entsoeng ke bafuputsi ba

Thutong ena e ne e thehiloe diphetho teko, e neng e e-ba teng ke tse fetang 100 000 ba. Liphetho li bontša hore tsela eo u ikutloang ikutloeleng chelete e na le tšusumetso e ea sebele ka kotsi ea thulana le mathata a lichelete.

tekong e ne e thehiloe phuputso ea saense tse fetang 100 000 ba, e neng e tšoaroa ka tshebedisano pakeng tsa University College London, University ea Open le BBC Lab UK.

Kamano le chelete

ho ithuta ba ile ba fumana hore ho na le litsela tse 'nè tsa kamoo re e lebisa ho chelete. Ba:

  • chelete bakeng sa eneji, le (spender);
  • Chelete e le ka tekanyo e itseng ka seatla se bulehileng;
  • chelete ka tšireletseho;
  • chelete e le bolokolohi ba (boipuso).

E boetse e ile a fumanoa a, re ba tlokotsing ka litsela tse kotsi tsa ho nahana ka mokhoa oa ho sebelisa chelete. The atileng ka ho fetisisa ke ua khathatseha ka linako tsohle mabapi le kamoo boholo ba seo u qeta, reka lintho ho ikutloa molemo, le refutation la mekhoa ea bona spenders.

thuto o ile a bontša hore maikutlo a ka chelete e ka ama menyetla ea mathateng a lichelete. Haeba u tšoara chelete eo e le tsela ea ho sireletsa bophelo ba bona, ho tla re thusa hore fokotsa menyetla ea mathata a lichelete. Ha matsatsi a ho o - e le matla a, kotsi tobane le tsietsi e hlaha. Ho ba teng ha tloaelo leha e le efe e mpe hape ho eketsa kotsi ea mathata a lichelete.

ditaba eng hape?

Age ke ntho ea bohlokoa. Lipatlisiso li bontšitse hore bacha ba hobe le ho feta ka ho laola sebelisa chelete hobane ba ho bonolo hore ba rera esale pele.

Bong hape e phetha karolo e itseng. Leha bohlokoa ho motho ea batho, ka karolelano, basali ba rata ho ba seatla se bulehileng ho feta banna. Ho phaella moo, ba ile ba ba ho feta le tšekamelo ea ho etsa reka, ho ikutloa molemo, 'me oa tšoenyeha ka hore na lintho tse ngata o ile a qeta. Bakeng sa banna, e chelete maemong a mangata ho bolela le bolokolohi ba le matla a ho finyella lipakane tsa bona.

Empa botlhokwa go feta, haeba u ba le chelete e kenang e ntle le chelete. Ba sebetsa e le pafara, e leng thusa hore ho qoba mathata a lichelete.

ho ithuta ho ile entsoeng ke Professor Adrian Fernhamom tloha University College London le Moprofesa Mark Fenton-O-mothinya tloha University ea Open.

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