Tshala imali ngokuhlakanipha: le yindlela imali yakho esebenza ngayo ukuze ube nekusasa elingcono

Ngabe ufuna ukwenza okuthile kwemvelo nesimo sezulu ngaphandle komzamo omkhulu futhi wenze umehluko? Iwebhu igcwele izeluleko ezilula, nezisebenzayo zempilo evumelana nesimo sezulu.

Lapha ungabala ukuthi mangaki amagesi abamba ukushisa indlela yakho yokuphila ebangela futhi lapha uzothola amathiphu wokuthi yini ongayishintsha ngokushesha futhi kalula:

Amaphuzu amakhulu wesimo sezulu empilweni yakho

Lezi yizindawo empilweni yakho ezinomthelela omkhulu esimweni sezulu, okuthiwa "amaphuzu amakhulu":

- Ukudla okunomsoco
- ukusetshenziswa
- Ukuhamba
- Ukuphila nokushisa
- Ukusetshenziswa kwamandla kanye
- Imali yakho

Udla i- "organic", (ikakhulukazi) engenanyama noma i-vegan, mhlawumbe usuvele ungumsindisi wokudla Umhlanganyeli wokudla, thenga iningi lalo kukhishwe, udinga izingubo nezinsimbi eziningi, uncamela ukugibela ibhayisikili noma isitimela sakho, uhlala efulethini elingelikhulu kakhulu, elinemigoqo ekahle enohlelo lwelanga ophahleni, usebenzisa ugesi oluhlaza (isb. Amandla eGreenpeace, I-Lichtblick, EWS noma Amandla emvelo) futhi ufuna ukwazi ukuthi yini enye ongayenza?

Tshala imali ngokuhlakanipha: shiya ibhange lakho noma elondoloza imali

Ngoba: kusizakala ngani konke ukuzibophezela kwakho uma ibhange lakho lisebenzisa izikhali, imishini kawoyela namanye amaphrojekthi alimaza isimo sezulu ngemali oyongele noma ngokuqagela ngokudla?

Kukhona enye indlela: Emazweni amaningi aseYurophu, amanye amabhange “asimeme, aziphethe kahle” manje ahlinzeka ngama-akhawunti wokuhlola nokugcina okungaxhunyiwe ku-inthanethi nokugcina imali kanye nama-akhawunti ezokuphepha angalimazi imvelo noma isimo sezulu. Lokhu akubandakanyi ukutshalwa kwezimali kuzikhali, ubunjiniyela bezakhi zofuzo, ukuhlolwa kwezilwane nokusetshenziswa kwezingane, imboni kawoyela negesi, amandla enuzi, nezinye izinkampani eziningi ezilimaza isimo sezulu. Ugxila emabhizinisini “aluhlaza” bese ubeka imali yakho, ngokwesibonelo, ezikhwameni zelanga nakweminye iminikelo ekuthuthukisweni okusimeme.

Okukhulu kunazo zonke eJalimane yi I-GLS Bank. Bese kuba khona lokho Ibhange lezemvelo, the Ama-Triodos (eJalimane, eBelgium, eNetherlands, eFrance naseSpain), i- Ibhange lesimilo, uhlelo lokusebenza lasebhange online Kusasa nge-akhawunti yokuqala "yamanje yokungathathi hlangothi kwesimo sezulu" nezinye ezimbalwa.

Lapho uthenga amasheya noma izimali zokulingana, bheka ngokucophelela ukuthi izinkampani zenzani ngemali yakho. Ungathola izeluleko ngokutshalwa kwemali okusimeme ku, ngokwesibonelo i-ecoreporter. Babika ngamasheya kanye nezimali "eziluhlaza" kanye nokutshalwa kwezimali okuqondile kwemvelo kanye nokusebenzelana nesimo sezulu, isibonelo kwizimali zelanga nakwizitshalo zamandla omoya. Futhi i- I-Stiftung Warentest kanye nengosi yomthengi Ithiphu yezezimali  ube nolwazi ngokutshalwa kwemali okusimeme.

Ngenkathi imali yakho iqinisekisiwe ifinyelela kuma-euro ayi-100.000 nguhulumeni kuwo wonke amabhange nasemabhange okonga e-European Union uma kwenzeka ibhange lehluleka, ukutshalwa kwemali okuqondile kungukutshalwa kwezamabhizinisi. Lokho kusho ukuthi, ngokwesibonelo, uma isikhwama selanga noma enye inkampani obolekise ngayo imali noma lapho unesabelo sakho iqothuka, imali yakho ayisekho, ilahleke ngokungenakulungiseka.

Amanani enzalo aphezulu, ubungozi obukhulu

Kuyafana nange Ukubuyiselwa kwemali kwabantu abaningi. Amapulatifomu afana Boleka imali endaweni yakho, Isixuku se-GLS, i-ecoligo, Imboni yokutshala imali, noma Afrika Greentec alamule ukutshalwa kwemali kumaphrojekthi amaningi anenjongo, azinzile. Bathembisa amanani enzalo aphakeme ngokumangazayo kwesinye isikhathi amaphesenti amahlanu nangaphezulu. Vele, uthatha ingozi ephezulu. Nalapha futhi, umthetho oyisisekelo uyasebenza: uma intshisekelo ethembisiwe iphakama, iba nkulu ingozi yokuthi iphrojekthi enjalo izobhidlika futhi ngeke usayibona imali yakho futhi. Lapha kufanele utshale kuphela ngokuqonda ukuthi awudingi ngokuphelele futhi ikakhulukazi okwakho Sabalalisa izimali kabanzi. Lokho kusho ukuthi: Kungcono ukutshala imali encane kumaphrojekthi amaningi ahlukile kunezizumbulu ezinkulu kumaphrojekthi ambalwa. Lapho-ke ukuqothuka okukodwa ngeke kukushaye kanzima.

Lapho usujula ngokwengeziwe nge omunye umnotho, Imali, imvelo kanye nesimo sezulu, unga, isibonelo, incwajana yezinyathelo zezakhamizi Ukuguqulwa kwezezimali noma i- zimali ezibucayi bhalisela. Futhi I-ATTAC nezinye izinhlangano zinemininingwane eminingi ngale ndaba.