Phindu losakhazikika: Kukwera kwa chikhalidwe chambiri

• Author:
• Dzina la wolemba

  Quantumrun Foresight
• July 17, 2023

Kuzindikira kwakukulu

Kukula kwa chikhalidwe cham'mbali, chomwe chimatsogozedwa ndi mibadwo yachinyamata yomwe ikufuna kuthetsa kusakhazikika kwachuma ndikukwaniritsa bwino moyo wantchito, kwabweretsa kusintha kwakukulu pachikhalidwe chantchito ndi zachuma. Kusinthaku kukukonzanso msika wogwira ntchito, kumalimbikitsa chitukuko chaukadaulo, kusintha kagwiritsidwe ntchito kazinthu, komanso kukhudza momwe ndale ndi maphunziro akuyendera. Komabe, imadzutsa nkhawa za kusatetezeka kwa ntchito, kudzipatula, kusalingana kwa ndalama, komanso kuthekera kwa kutopa chifukwa chogwira ntchito mopambanitsa.

Kungokhalira ndalama

Kuwonjezeka kwa chikhalidwe chambiri kukuwoneka kuti kukupitilirabe kupitilira kwanthawi yayitali komanso kuyenda kwazachuma. Ngakhale ena amaziwona ngati zomwe zidakula kwambiri panthawi ya mliri wa COVID-19 ndipo mwina zikuyenda bwino pamene chuma chikukhazikika, mibadwo yachichepere imawona kukhazikika ndikukayikira. Kwa iwo, dziko silinadziwike padziko lonse lapansi, ndipo njira zachikhalidwe zikuwoneka zosadalirika. 

Kusamala kwawo pazantchito wamba kumalimbikitsa kukula kwachuma cha gig ndi zovuta zam'mbali. Amalakalaka kukhazikika kwa moyo wantchito ndi ufulu womwe nthawi zambiri umasowa pantchito zachikhalidwe. Ngakhale kuti ntchito zikuchulukirachulukira, ndalama zomwe amapeza zimalephera kubweza ndalama zomwe adawononga komanso ngongole zomwe zidapezeka panthawi ya mliri. Chifukwa chake, kuthamanga kwapang'onopang'ono kumakhala kofunikira kuthana ndi zovuta za inflation. 

Malinga ndi kafukufuku wazachuma wamsika wa LendingTree, 44 peresenti ya anthu aku America akhazikitsa mikangano panthawi yakukwera kwa inflation, chiwonjezeko cha 13 peresenti kuchokera ku 2020. Gen-Z imatsogolera izi, pomwe 62 peresenti idayambitsa gigs kuti azitha kuyendetsa bwino ndalama zawo. Kafukufukuyu akuwonetsanso kuti 43 peresenti imafunikira ndalama zothandizira kuti zikwaniritse zosowa zawo zofunika ndipo pafupifupi 70 peresenti ikuwonetsa kudera nkhawa zachuma chawo popanda zovuta.

Mliriwu ukhoza kupititsa patsogolo kukhazikitsidwa kwa malingaliro am'mbali. Komabe, kwa Gen-Z ndi Zakachikwi zambiri, zimangoyimira mwayi. Ogwira ntchito achichepere ali okonzeka kutsutsa owalemba ntchito ndipo sakufuna kulekerera mgwirizano wosweka wa mibadwo yam'mbuyo. 

Zosokoneza

Chikhalidwe cham'mbali kapena chikhalidwe chongopeza ndalama chakhala ndikusintha kwakanthawi pazachuma chamunthu komanso chikhalidwe chantchito. Kwenikweni, zasintha ubale wa anthu ndi ndalama. Njira yachikhalidwe yogwirira ntchito imodzi yanthawi zonse ndikudalira njira imodzi yokha yopezera ndalama ikusinthidwa ndi njira zosiyanasiyana zopezera ndalama. 

Chitetezo choperekedwa ndi njira zambiri zopezera ndalama chimathandizira anthu kuthana ndi mavuto azachuma bwino. Zimapangitsanso mwayi wodziyimira pawokha pazachuma, zomwe zimapangitsa kuti anthu azitha kuyika ndalama zambiri, kusunga ndalama zambiri, komanso kuti apume msanga. Kuphatikiza apo, kukula kwa zovuta zam'mbali kumatha kupangitsa kuti chuma chikhale champhamvu komanso champhamvu pamene anthu ayambitsa mabizinesi atsopano ndikuyambitsa njira zomwe sangakhale nazo pantchito zachikhalidwe.

Komabe, chizoloŵezi cham'mbali chimatha kubweretsanso kugwira ntchito mopitirira muyeso komanso kupsinjika. Pamene anthu akuyesetsa kuti azigwira bwino ntchito zawo zanthaŵi zonse pamene akumanga ndi kusunga njira zowonjezera zopezera ndalama, angagwire ntchito kwa maola ambiri, zomwe zingayambitse kutopa. 

Chikhalidwe ichi chitha kuwonetsanso ndikukulitsa kusalingana kwa ndalama. Iwo omwe ali ndi chuma, nthawi, ndi luso loyambitsa ntchito zam'mbali amatha kuwonjezera chuma chawo, pomwe omwe alibe zinthu zotere angavutike kuti apitirize. Kuphatikiza apo, kukula kwachuma cha gig kwadzutsa mafunso ofunikira okhudza ufulu wa ogwira ntchito ndi chitetezo, chifukwa ma hustles ambiri samapereka phindu lofanana ndi ntchito zachikhalidwe.

Zotsatira za ndalama zopanda ntchito

Zotsatira zochulukira za ndalama zopanda ntchito zitha kukhala: 

• Kusinthanso kwa msika wantchito. Ntchito zanthawi zonse zitha kuchulukirachulukira chifukwa anthu ambiri amasankha kusinthasintha ndikuwongolera ntchito yawo zomwe zimapangitsa kuti kufunikira kwa ntchito 9-5 kuchepe.
• Kuchulukirachulukira kwachitetezo cha ntchito, chifukwa anthu angavutike kuti azikhala ndi ndalama zokhazikika komanso alibe chitetezo monga chisamaliro chaumoyo ndi mapulani opuma pantchito.
• Kuwonjezeka kwa kudzipatula monga malo ogwirira ntchito achikhalidwe nthawi zambiri kumapereka kuyanjana kwa anthu, komwe kumatha kusowa kwa omwe amagwira ntchito pawokha.
• Kuchulukitsa kwa ndalama m'magawo omwe amakwaniritsa zosowa ndi zofuna za omwe ali ndi ndalama zowonjezera.
• Kupanga matekinoloje omwe amathandizira zovuta zam'mbali, kuphatikiza nsanja zomwe zimalumikiza odziyimira pawokha ndi omwe angakhale makasitomala, mapulogalamu omwe amathandizira kuyang'anira njira zambiri zopezera ndalama kapena matekinoloje omwe amathandizira ntchito zakutali.
• Ogwira ntchito akusankha kukhala m'madera otsika mtengo, zomwe zimakhudza chiwerengero cha anthu akumidzi ndi kumidzi.
• Kuchulukitsa kwa malamulo oteteza ogwira ntchito pazachuma cha gig, kulimbikitsa mikangano yandale ndi mfundo.
• Kuwonjezeka kwa kufunikira kwa mapulogalamu a maphunziro omwe amaphunzitsa luso la bizinesi kungapangitse kutsindika kwa chikhalidwe cha bizinesi.

Mafunso oyenera kuwaganizira

• Ngati muli ndi zovuta zina, nchiyani chinakulimbikitsani kuti mukhale nazo?
• Kodi ogwira ntchito angalinganize bwanji ndalama zomwe amapeza komanso chitetezo cha ntchito?