Qarnigan 21aad oo dunida baray casharo nololeed oo isbadal xawliya ku keenay sooyaalkii dhaqan dhaqaale ee bulshada saameyn toos ahna ku yeeshay hab fikirka aadanaha ayaa abuuray baahiyo xirfadeed oo qof waliba muhiimad gaar ah u yeelanaya si uu u xaqiijiyo guulo la taaban karo inta lagu guda jiro qarniga 21aad oo soo bilawday sanadkii 2001 ku ekaan doono sanadka 2100.
Aqoonta Maaliyadeed (Financial Literacy) oo faham ahaan soo shaac baxday sanadkii 1737 ayaa ahayd aragti ka dhalatay talooyinka ay waalidiinta, saaxibada iyo macalimiinta siiyaan dadyowga si ay u maareeyaan lacagtooda, intaas wixii ka dambeeyay waxay qayb ka noqotay casharada lagu dhigto goobaha Waxbarashada ee dalalka qaar.
Financial Literacy ayaa lagu macneeyaa sida uu qabo Jason Fernando oo ah qoraa iyo agaasimaha shirkadaha vogayer Holdings fahamka buuxa iyo adeegsiga noocyo kala duwan oo ah xirfadaha maareynta maaliyada ( Financial Management Skills) , Jason Fernando ayaana iftiimiyay Financial Literacy inay tahay hooyada Financial Skills.
Muhiimad gaar ah ayay kuu leedahay qarnigaan inaad taqaano sida loo maareeyo lacagta, sida loo sameeyo budget ku jaango'an baahiyagaaga, sida loo maareeyo qarashaadka iyo sida loo sameeyo maalgashi caqliyeysan.
Cilmibaaris ay sameysay jaamacadda Oxford ayaana lagu xaqiijiyay in 67% ganacsatada yar yar ee dalalka hormaray ay faham buuxa ka haysteen isticmaalka xirfadaha Maaliyadeed (Financial Skills) kahor inta aysan aas aasin shirkadahooda.
Caqabaha ina haysta marka loo fiiriyo aqoonta maaliyadeed ee shakhsiga ah (Personal financial Literacy) waxaa ugu weyn isku dheelitirnaan la'aanta waxa ina soo gala (Income) iyo waxa qarash ahaan inooga baxa (Expense) walibana qarashaad badan oo laga maarmi karay ayaan galnaa.
Chris Guillebeau oo ah qoraaga buuga The $100 Startup soona baxay sanadkii 2012 ayaa kula taliyay dhalinyarada inay yareeyaan qarashaadka laga maarmi karo si ay u sameystaan keyd lacageed oo u suuro galin karo bilawga ganacsi yar (Business Startup).
Muhiimad gaar ah sii inta uusan dhamaan sanadkaan inaad faham ka hesho aqoonta maaliyadeed iyo xirfadaha lagama maarmaanka u ah adigoo tixraacaya course ay diyaarisay shabakada The Great Learning https://www.mygreatlearning.com/academy/learn-for-free/courses/introduction-to-financial-management1
Xiriirka dabeeciga ee u dhaxeeya aadanaha iyo lacagta ayaana u baahan in la danabeeyo si ay u fududaato in la maareeyo lacagta, sidaas awgeed:
1. Isticmaal https://monelyze.app/en/ gaar application-ka Budget App oo ku suuro galinayo inaad si fudud u maareyso budget-kaaga adigoo la soconayo isbadalada tooska ah ee ku dhacaya iskuna dheeli tirayo waxa kusoo galo iyo waxa aad qarash ahaan kaaga baxo.
2. Isticmaal https://www.expensify.com/ oo ku suuro galinayo inaad si dhib yar ula socoto qarashaadkaga.
3. Isticmaal application-ka magaciisu uuba yahay Everydollar micnaha cent waliba oo kaa baxo diiwaangali ayaa la dhahaa https://www.everydollar.com/app/budget
4. Dhinaca maalgashiga caalamiga ah indhaha ku haay https://investing.com
Inaad noqoto taajir waxaa kaa xigto inaad faham fiican ka hesho aqoonta maaliyadeed aadna bilawdo adeegsiga xirfadaha maareynta maaliyada.
Wixii Talo Iyo Tusaale ah , Hoos Noogu Reeb
