Imwe lipstick, girazi rekofi tisati tashanda, masokisi anosetsa… Dzimwe nguva isu pachedu hationi mashandisiro atinoita mari yakawanda pazvinhu zvidiki zvisina basa. Sei huropi hwedu husina hanya nemaitiro aya uye maitiro ekuidzidzisa kutevedzera mashandisirwo emari?
Sei kupera kwemwedzi dzimwe nguva tichitadza kunzwisisa kuti muhoro wedu wakatsaukira papi? Zvinoita sekunge ivo havana kuwana chero chinhu chepasirese, asi zvakare unofanirwa kupfura kubva kune akanyanya kujeka waunoshanda naye kusvika zuva rekubhadhara. Art Markman, purofesa wepfungwa uye kushambadzira paYunivhesiti yeAustin, anotenda kuti dambudziko nderekuti nhasi isu takanyanya kushoma kupfuura kare kutora mari yemapepa yakajairika. Uye kutenga chero chinhu kwave kuri nyore kupfuura 10 uye zvakatonyanya makore makumi mashanu apfuura.
Galactic Size Credit
Dzimwe nguva art inofanotaura ramangwana. Art Markman anotaura firimu rekutanga reStar Wars, rakaburitswa muna 1977, semuenzaniso. Vateereri vakashamiswa kuti ma heroes e-sci-fi tepi haashandisi mari, kubhadhara kutenga nemhando ye "galactic credits". Panzvimbo peyakajairwa mari nemabhangi, kune chaiwo mari dziri paaccount. Uye hazvinzwisisike zvachose kuti ungabhadhara sei chimwe chinhu usina chinhu chinofananidzira mari yacho pachayo. Zvino iyi pfungwa yevanyori vefirimu yakavhunduka, asi nhasi isu tose tinoita chimwe chinhu chakadai.
Muhoro wedu unoendeswa kumaakaundi emunhu. Isu tinobhadhara zvinhu uye masevhisi nemakadhi epurasitiki. Kunyangwe zvefoni uye zvekushandisa mabhiri, isu tinongoendesa mari kubva kune imwe account kuenda kune imwe, tisingaswedere kubhangi. Mari yatinayo parizvino haisi chinhu chinobatika, asi ingori nhamba dzatinoedza kuchengeta mupfungwa.
Muviri wedu hausi chete hurongwa hwekutsigira hupenyu hunotsigira uropi, anoyeuchidza Art Markman. Huropi nemuviri zvakashanduka pamwechete-uye vakajaira kuita zvinhu pamwechete. Zvakanakisisa kuti zviito izvi zvinoshandura muviri zvakatipoteredza. Zvakangooma kwatiri kuita chimwe chinhu chekufungidzira zvachose, chimwe chinhu chisina kuratidzwa kwenyama.
Hatitombofaniri kuita nhamburiko yekunyoresa kumwe - tinongoda kuziva nhamba yekadhi. Zviri nyore
Naizvozvo, yakagadziridzwa sisitimu yekugara pane kuomesa pane kufambisa hukama hwedu nemari. Mushure mezvose, zvinhu zvose zvatinowana zvine chimiro chenyama - kusiyana nemari yatinobhadhara nayo. Kunyangwe tikabhadhara chimwe chinhu chaicho kana sevhisi, mufananidzo wayo pane peji yechigadzirwa unotaridzika chaizvo kwatiri kupfuura huwandu hunosiya maakaundi edu.
Kunze kwaizvozvo, hapana chingatitadzisa kutenga. Online hypermarkets ine "imwe-tinya-kutenga kutenga" sarudzo. Hatitombofaniri kuita nhamburiko yekunyoresa kumwe - tinongoda kuziva nhamba yekadhi. Mumakofi nemall, tinogona kuwana zvatinoda nekungoisa chidimbu chepurasitiki pane terminal. Zviri nyore. Zviri nyore pane kuchengeta mucherechedzo wemari uye mari, kuronga kutenga, kudhawunirodha smart apps kuteedzera mari.
Hunhu uhu hunokurumidza kuita tsika. Uye hapana chekunetsekana nacho kana iwe uchigutsikana nehuwandu hwemari yaunoshandisa uye huwandu hwaunokwanisa kuchengetedza. Kana iwe uchida kuramba uine mari yakakwana yekudya kwevhiki kwevhiki mushure merwendo rusina kurongwa kuenda kubhawa neshamwari (kunyanya kana iri vhiki isati yasvika), unofanira kushanda pane chimwe chinhu. Kana iwe ukaramba uchizvibata mumweya mumwe, zviri nani kuti usarota nezvekuchengetedza.
Tsika yekushandisa mari, tsika yekuverenga
Zvinonyanya kuitika kuti iwe kazhinji hauzive kwakaenda mari: kana chimwe chiitiko chikava tsika, isu tinongomira kuzviona. Kazhinji, maitiro chinhu chakanaka. Bvumiranai: zvakanaka kungobatidza mwenje nekudzima pasina kufunga nhanho dzese. Kana kukwesha mazino ako. Kana kupfeka jeans. Fungidzira kuti zvingave zvakaoma sei kana pese pawaifanira kugadzira yakakosha algorithm yeakareruka mazuva ese mabasa.
Kana isu tichitaura nezvemaitiro akaipa, chinhu chekutanga kutanga nzira yekuchinja ndeyekuedza kutevedzera izvo zviito zvatinowanzoita "pamuchina".
Art Markman anoratidza kuti avo vakazviwana vaine matambudziko nekumanikidzira uye zvisingatarisirwi kushandisa mari, kutanga, tevera kutenga kwavo kwemwedzi.
- Tora kabhuku kadiki nechinyoreso wozvichengeta uinewe nguva dzese.
- Isa chitupa pamberi pekadhi rako rechikwereti chichikuyeuchidza kuti kutenga kwese kunofanirwa "kunyoreswa" munotipad.
- Nyatsorekodha mari yese. Nyora pasi zuva nenzvimbo ye "mhosva". Panguva ino, haufanirwe kugadzirisa maitiro ako. Asi kana, pakufungisisa, iwe unoramba kutenga - ngazvive zvakadaro.
Shanduko dzese dzinotanga neyakareruka uye panguva imwechete nhanho yakaoma sekuwana ruzivo rwemaitiro ako.
Markman anokurudzira kuongorora rondedzero yekutenga svondo rega rega. Izvi zvichakubatsira kukoshesa kushandisa mari. Uri kutenga zvinhu zvausingade zvachose here? Uri kushandisa mari pazvinhu zvaunogona kuita iwe pachako? Une chido chekutenga kamwe chete? Zvinhu zvipi zvaizosara mudura kudai waifanira kushanda nesimba kuti uzviwane?
Nzira dzakasiyana-siyana uye nzira dzakagadzirwa kurwisa kutenga kusingadzoreki, asi shanduko dzese dzinotanga neyakajeka uye panguva imwechete nhanho yakaoma sekuwana ruzivo rwemaitiro ako. Notipadhi uye peni yakapfava ichabatsira kuendesa mari yedu kubva kune chaiyo nyika kuenda kune yenyama nyika, tarisa ivo sekunge isu tiri kutora mari yatakawana zvakaoma muchikwama chedu. Uye, zvichida, ramba imwe tsvuku lipstick, inotonhorera asi isina maturo masokisi uye yechitatu americano yezuva mu cafe.
Nezvemunyori: Art Markman, Ph.D., purofesa wepfungwa nekushambadzira paYunivhesiti yeTexas.