Iimfihlo ezi-6 zoosozigidi abazimeleyo ekufuneka uzazi

Ubudlelwane phakathi kwemali nobutyebi bukhethekile. Abantu abathanda imali abayibali imali kuphela. Bayayazi indlela yokusebenzisa imali yabo ngobulumko. Yindlela yobugcisa. Ke ukuba ufuna ukonga imali kwaye ulawule iimali zakho, ukufunda iimfihlo zemali zoosozigidi abazenzelayo sisiqalo esihle.

Uninzi lwethu luyazibuza ukuba singenza njani ukuba ngoosozigidi. Akukho ndlela iqinisekisiweyo yokwenza izigidi zeedola ngoko nangoko, kodwa unokuhlala ufunda kwabo bazizityebi.

Kungathatha ubomi bonke ukufunda indlela yokulawula imali yakho. Nangona kunjalo, kufuneka uqale kwindawo ethile.

Ngaba kunokwenzeka ukuba ube ngusomashishini ongusozigidi ngemizamo yakho?

Okokuqala, makhe sithethe malunga nokuba yintoni usozigidi ozenzileyo. Konke kusegameni.

Aba ngabantu abangabuzuzanga ilifa ubutyebi, kodwa bazuze ngokusebenza nzima. Le yimizekelo eyaziwa kakhulu uWarren Buffet, UBarbara CorcoranY UJanice Bryant Howroyd.

Nangona babenemfundo eqhelekileyo ngokwentelekiso, aba bantu bakhasayo babekrelekrele yaye bezimisele ukwakha ubukhosi. Aba bosozigidi bazenzela bafunda zonke iimfihlo zokwenza imali baza bazisebenzisa ukuze bazuze.

Baphila iphupha laseMelika: ukusebenza nzima ukuya apho bafuna ukuba khona. Nokuba awunayo imbono yeshishini lesigidi seerandi, unokufunda iindlela zabo zemali kubo.

Aba bantu banokuqonda okunzulu kwezemali: bayazi indlela yokutyala imali yabo kwaye bayenze ikhule kwixesha elide.

Abalibali ikamva kwaye basebenzise umvuzo wabo kakuhle ukuqinisekisa ukuba imali yabo yanele ukuqhubela phambili.

Uyenza njani isigidi seedola ngokwakho

Abantu abazizityebi kakhulu banengqondo yokukhula. Bahlala befuna ukuphucula inkunzi yabo. Nokuba imeko yakho yemali ithini na, ulwazi olutsha lunokukunceda wonge imali.

Akunyanzelekanga ukuba ulinde de kube kudala kakhulu ukuba uqale ukulawula imali yakho kunye nokudala ubutyebi. Makhe sijonge ezi mfihlo zemali zi-6 zoosozigidi abazenzele bona kunye nendlela onokuzisebenzisa ngayo.

1. Akunakwenzeka ukuba ube nengeniso enye

Yeyiphi imithombo yakho yomvuzo? Ngaba uxhomekeke kumsebenzi wosuku okanye unomsebenzi osecaleni? Kufuneka ufunde ukuba awunakuba nomthombo omnye wengeniso.

Umsebenzi wakho wesithoba ukuya kwesihlanu usenokungakuniki mali yaneleyo yokuhlawula iindleko zakho. Ungaphulukana nomsebenzi wakho kunye nobomi bakho bonke ukuba ishishini lakho liyanyanzeleka ukuba livale. Ngumdlalo onobungozi.

Iingeniso ezininzi zibalulekile ekudaleni ubutyebi bokwenyani, obuhlala buhleli. Ngokophononongo, i-66% yoosozigidi abazenzelayo bathi banemithombo emithathu yengeniso Ukufunda imikhwa etyebileyo. Ubuchule bakho bunokukunceda wenze imithombo emitsha yengeniso.

I-Freelancing inokwenziwa ukongeza kumsebenzi wakho oqhelekileyo. Unako kwakhona ukuthengisa iimveliso kwi-intanethi okanye uqalise ishishini eyehlayo. Unokwandisa umvuzo wakho ngokujonga imithombo eyongezelelweyo yengeniso xa unexesha.

2. Uwonyusa njani umvuzo wakho

Kukho imbono yokuba oosozigidi baneyona ndlela yokuphila yobumnandi. Ukuba banokufikelela okona kulungileyo emhlabeni, oko akuthethi ukuba bangamadenge.

Eyona mfihlelo inkulu kwimpumelelo yoosozigidi abazenzelayo yindlela yabo yokuphila eyongayo. Ngoku, kukho umahluko phakathi kokungakhathali nokuba nexabiso eliphantsi.

Nanini na kufuneka uthenge into, nokuba kukutya, imoto entsha okanye indawo yokuhlala, kukho iindlela zokonga imali. Oku akuthethi ukuba uthenga olona khetho lusezantsi noluphantsi.

Xa ufuna ukwenza ubutyebi, kubalulekile ukuqonda indlela yokulawula imali yakho. Ayingombono ulungileyo ukuchitha kakhulu kwaye imali yakho inyamalale.

Ke kuya kufuneka ufunde indlela yokwenza uhlahlo lwabiwo-mali ngokufanelekileyo kwaye wenze izigqibo ezifanelekileyo zemali. Oku kubonisa ukukhula abasoloko bengakwazi ukukuphumeza.

Ukuchitha imali eninzi kakhulu ngenxa yoko kuhlala kuyimpazamo: kufuneka uzibuze, njengoko oosozigidi besenza, ukuba ufumana elona xabiso lilungileyo.

3. Chitha kancinci, kodwa utyale imali ngaphezulu

Ngelixa sithetha ngokuchitha ngaphezulu, nantsi enye yeemfihlo zemali zoosozigidi abazenzelayo ongenakuzihoya.

Ukuba uqala ukufumana imali eninzi, kufuneka uyityale endaweni yokuyisebenzisa. Ungasebenzisa iqonga lotyalo-mali ukuthenga izabelo. Kodwa unokucinga ngaphandle kwebhokisi.

Unokukhetha ukuxhasa ishishini lendawo ngemali encinci. Nangona kuyingozi, unokwenza imali eninzi ngokuba nezabelo kwisiqalo.

Kuya kufuneka uchithe imali encinci kwaye wenze utyalo-mali oluninzi. Inokukwenza ube sisityebi.

4. Musa ukuwela kumgibe wendlela yokuphila

Indlela yokuphila iyahamba Xa abantu beqalisa ukwenza imali eninzi, oku kudla ngokuba yingxaki abajamelana nayo. Imali oyichithayo iyenyuka ngomvuzo wakho. Umzekelo, unokuqesha amagumbi amakhulu okanye uthenge iimpahla ezibiza kakhulu. Usenokuchitha imali eninzi kwiiholide.

Nangona kufuneka ukwazi ukonwabela iziqhamo zomsebenzi wakho, ukuvumela indlela ophila ngayo ibize kakhulu akusayi kwenza nto. Kungcono ukunamathela kuhlahlo lwabiwo-mali oluthozamileyo. Le yimfihlelo yoosozigidi abazenzela ngokwabo. Le yindlela ababujonga ngayo ubutyebi babo obungeyonyani.

Unokucinga ukuba ungonga malini ngokuchitha isixa esifanayo kodwa urhole ngaphezulu. Inokwenza umahluko omkhulu.

5. Qinisekisa ukuba ungqongwe ngabantu abayilungeleyo impilo yakho.

Bathini abahlobo bakho nosapho lwakho ngemali? Xa ubabuza ukuba ungayigcina njani imali yakho, bakuxelela ntoni?

Awuzukufunda ukuba ngusozigidi ozenzileyo ukuba ungqongwe ngabantu aboyika iimali zabo okanye abayazi indlela yokuphatha imali yabo. Abanye abantu bayoyika ngenxa yemali yobuqu.

Ukuba oku kuvakala kuyinto eqhelekileyo kuwe, lixesha lotshintsho. Ungafumana iqela eligxile ekwandiseni ubutyebi bakho.

Xa uthetha naba bantu, mhlawumbi baya kukukhuthaza ukuba wenze okungakumbi ngemali yakho. Kufuneka ujikelezwe ngabantu abaza kukunika inkuthazo obuyifuna ukuze utshintshe ubomi bakho kwaye ube sisityebi.

6 Musa ukuthenga ngokweminqweno yakho;

Ukuchitha imali ekuthengeni yindlela elula yokuphulukana nemali oyisebenzele nzima. Nokuba unomvuzo omncinci okanye ungusozigidi, akufuneki uchithe imali yakho.

Ukukunceda uqonde oku, kukho umgaqo wegolide onokuthi unamathele kuwo. Musa ukuthenga izinto ezisekelwe kumnqweno kuphela.

Masithi ubona into oyifunayo. Lumka phambi kokuba ubambe ikhadi lakho letyala kwaye ubaleke ukulithenga. Ezi bhokisi zimbini kufuneka zitshekishwe phambi kokuba wenze intlawulo.

Umnqweno ngamandla okuqhuba inkcitho enyanzelekileyo. Unokuphulukana lula nemali oyisebenzele nzima ukuba awucwangcisi kwangaphambili.

Kulungile ukuba uzinyange kanye ngexesha. Ukuba uthenga uninzi lwezinto zakho ngokungxama, kulungile.

Ngalo lonke ixesha usiya kuthenga, kuya kufuneka uthathe indlela eqwalaselweyo kwizenzo zakho. Oku kuya kukuvumela ukuba wenze izigqibo ezinolwazi ngakumbi.

Indlela yokuba ngusozigidi ozenzeleyo

Ngaba ufuna iingcebiso ezingakumbi malunga nendlela yokuba ngusozigidi ngokwakho? Nangona siye sagubungela ezinye zeemfihlo, unokufuna ukufunda ngakumbi. Ulwazi ngundoqo kumandla.

Sincoma ezi ncwadi zintathu ukudala ubutyebi.

Qaphela: La makhonkco adibeneyo. Sinokufumana ikhomishini ukuba uthenga incwadi ngezi khonkco.

1. Matthew R. Kratter – Iimfihlo zeMillionaires eziZimeleyo

Ibhalwe ngu Matthew R. Kratter, iiSecres of Self-Made Millionaires Le ncwadi idibanisa ezona ncwadi zakhe zintathu zangaphambili kunye nezinto ezintsha. Uya kufumana iingcebiso malunga nendlela yokwenza imali engenayo, ukwakha ubutyebi bakho, kunye nokunye. amaqhinga ngokusekelwe kwimali.

2. IRecipe Bell yeMillionaires eZenziwe nguMychelle B

Okulandelayo, Iresiphi yosozigidi ozenzileyo Esi sikhokelo semali sibhalwe ngabasetyhini kwaye senzelwe abafazi. Ngokufunda le ncwadi, uya kukwazi ukuzazi, ubeke izinto eziphambili ngokubaluleka, kwaye udale ingqondo ephumelelayo yempumelelo.

3. Ingqondo yeMillionaire kunye neMikhwa yeMpumelelo nguHJ Chammas

Ukongezwa okwaziwayo kakhulu kwingqokelela yi Ingqondo yeMillionaire kunye nemiGaqo yeMpumelelo Le ncwadi ibalulekile ukuba ifundwe. Incwadi ye-HJ Chammas yenzelwe ukukunika izixhobo kunye nobuchule bokudala ubutyebi.

Ezi mfihlo zizitshixo zakho zokuba ngusozigidi namhlanje.

Kuyenzeka ukuba ufumane inkululeko yezemali. Sukulinda ukufunda iimfihlo zosozigidi ozenzileyo.

Uthotho lotshintsho oluncinci lunokwenza umahluko omkhulu kwii-asethi zakho. Akunyanzelekanga ukuba utshintshe yonke indlela yakho yokuphila. Kufuneka ucinge ngotshintsho onokuthi ulwenze.

Qala ngokwenza uhlahlo lwabiwo-mali olulula, ukufunda ngakumbi malunga nezezimali, kunye nokwamkela indlela eyahlukileyo yokucinga ngemali. I-Clever Girl Finance inezifundo zasimahla zokukunceda.