Best iincwadi lokufunda nokubhala mali: isikali, inkcazo kunye nohlolo

nokubhala Financial kuyingozi kakhulu, kuba nje baya mihla le nangenxa yokudodobala imbuya yabantu, kodwa utshabalalisa naliphi na ithuba yokuphucula le meko. Indoda ethatha izigqibo embi kakhulu, ngoko imali ngaphantsi yaye ngaphantsi. Ukuze musa kwenzeke, kufuneka ufunde iincwadi best nokubhala zemali. Kodwa musa nje mindlessly flip ngokusebenzisa amaphepha, baze basebenzise olu lwazi xa kusenziwa!

Uvavanyo lokufunda nokubhala mali

Annamaria Lusardi Dartmouth College kunye Olivia Mitchell of the University of Pennsylvania yaqhuba uphando kubahlali kumazwe-14 ukuze ufumane indlela kakuhle abantu abaqhelekileyo baqonde ukuba ukwenza njani imali. Wabonisa ukuba uninzi abantu abangafundanga kwinkalo ezezimali. Kuphela eJamani naseSwitzerland, isiqingatha sabaphenduli baphendula zontathu imibuzo ngokuchanekileyo. Kodwa ke imeko kakhulu okungamanyala waba eRashiya, apho yenziwe% 4 kuphela Abamangalelwa. Makhe siqwalasele le mibuzo mithathu:

1. Yimalini onazo kwi-akhawunti iya kuba yiminyaka emihlanu xa ufaka i $ 100 idiphozithi nge-2% ngonyaka?
2. Ukuba imali yakho ebhankini phantsi-1%, ngelixa ukunyuka kwamaxabiso kweli lizwe yi-2%, ngoko nokubasusa emva konyaka omnye, unako ukuthenga ngakumbi, efanayo okanye ngaphantsi oko namhlanje?
3. Ngaba nokuthengwa kwezabelo ze inkampani enye ingeniso othembeke ngakumbi ekufunyanweni kwizabelo-mali efanayo?

Ukuba bakufumanisa kunzima ukuphendula umbuzo ubuncinane enye, ingaba unqwenela ukuba ufunde kuluhlu lwethu.

Imithetho nokubhala mali: zonke iincwadi

Cinga nokurhafiswa uncwadi ngomxholo eyaziwa Russian abathandi yenethiwekhi yoluntu LiveLib funda:

• Bodo Schaefer "Indlela eya enkululekweni yemali." Le ncwadi iqala Ukukhetha kwethu iincwadi nokubhala zemali. lweFIFA wayo - amanqaku 4,426, inani efundiweyo - Abantu 167, omnye 186 ukwenza njalo.
• Dzhordzh Kleyson "Indoda Richest eBhabhiloni". Rating - amanqaku 4.365, inani efundiweyo - ngo-1052 abantu abafuna ukwenza oko ngo-1564.
• Dzhon Keho "ienjini uyakwazi ukwenza nantoni na." Rating - amanqaku 4.317, inani efundiweyo - ngo-1322 abantu bafuna ukwenza njalo 1171.
• Robert Kiyosaki "Rich Dad Singamahlwempu Tata." Rating - amanqaku 4,073, inani efundiweyo - abantu 3331 usafuna ukwenza oko ngo-1564. Ukuba sicinga iincwadi bancome lokufunda nokubhala zemali, kuba yinkokeli ekuzibonakaliseni kuluhlu lwethu lwe ebezisaziwa kubasebenzisi social networking LiveLib.
• Richard Branson, "Ukuze esihogweni yonke Beris kwaye wenze loo nto." Rating - amanqaku 4,0286, inani efundiweyo - abantu 1827 usafuna ukwenza njalo 1305.
• UNapoleon Hill "Cinga kwaye Lima Rich." Rating - amanqaku 4.024, inani efundwayo - abantu 1054, enye 850 ukwenza njalo.

"I-Road to Freedom Financial"

Kuludwe lwethu, apho siye eqokelele iincwadi best lokufunda nokubhala zemali, oko kwindawo yokuqala. Ngaphandle kokuba epapashwe elide ngokwaneleyo, uye andilahlekwanga ukufaneleka kwayo. Iqulethe ulwazi oluninzi malunga indlela yokuqalisa ishishini, wenze utyalo-mali lokuqala, ahlawule amatyala kunye nokulahla ingeniso. Bodo Schaefer othetha ngayo we computeryomndilili abasebenzi ukuba indoda esisityebi kunye ingeniso ezinzileyo. Kuye wema edishini ezintlanu, ifumene ncomo becala HIV. Yifundeni yaphawula ukuba ichaza iindlela ezilula, kodwa esebenzayo kakhulu ukufumana nokuzimela.

"Indoda Richest eBhabhiloni '

Ukuqwalasela iincwadi best lokufunda nokubhala zemali, siye amalungiselelo lo msebenzi Yaduma George Clason kwindawo yesibini ngokungqinelana nale ndlela anikwe LiveLib. Lichaza iziseko imali. Kulo umntu banokufunda ukwenza njani imali yabo ukuze benze ingeniso. Umbhali othetha imfuneko imikhwa ethile kunye yesiqhelo. Phakathi kwazo kukho ezi zilandelayo:

• Kufuneka ubeke bucala ubuncinane isishumi yengeniso yabo.
• Iindleko kufuneka zibekwe esweni. Izinto kuphela ezibaluleke ngokwenene, sifanelwe ukuba uthenge ngayo.
• Kuyimfuneko ukuba phinda nobutyebi babo. Savings akufuneki ukuba andixoki ubunzima efile.
• Phambi kokuba wenze naluphi na utyalo-mali, kufuneka ukuba ukuvavanya nenzuzo yayo Umngcipheko.
• Zempumelelo ekhaya kuba kokwabo, akuyi abanye.
• Kuyimfuneko ukuba ukufumana ingeniso umhlala-phantsi.
• Ukukwazi ukwenza kwaye kufuneka rhoqo ziphuculwe.

"Le ienjini unako ukwenza into"

Best iincwadi lokufunda nokubhala zemali - nje kuphela abo bafundiswa ukuba afumane aze asasaze imali ngayo. Kuludwe lwethu iculo kunye nomsebenzi Dzhona Keho, nto leyo lunikezelwa amagunya imfihlelo ienjini. Kufuneka uqonde ukuba impumelelo ixhomekeke-20% ye-italente kunye nobuchule bemvelo, kwaye yi-80% - bangacingi. Ingxelo evela kubasebenzisi LiveLib, le ncwadi ngokwesiseko ukuguqula ubomi. Ku dyondzisa ku ukufumana isisombululo ekunene kuyo nayiphi na imeko kwaye inika inkuthazo kwisenzo.

"Rich Dad Poor Dad"

Ukuba wenza uluhlu lweencwadi ezithandwayo kwi lokufunda nokubhala mali ayikho kuluhlu lwabo, kwaye inani efundiweyo, umsebenzi Kiyosaki ukuba buphuma kuyo. Kujongwe ukuba ababukeli kwaye unika iziseko yolawulo imali, nto leyo ngenxa yesizathu esithile musa ihlawule ingqalelo esikolweni. Le ncwadi ichaza ngokweenkcukacha indlela evela ngumsebenzi abaqhelekileyo kuba mali ngempumelelo. Ngokutsho abafundi, Kiyosaki uchaza kwezinye ngokweenkcukacha indlela iingcinga ezichaphazela ubomi bomntu. Kule ncwadi, akukho schemes zophuculo esele zenziwe. Noko ke, umbhali unika ingqiqo umdla kakhulu, nto leyo enokusetyenziswa ukuqonda apho kwicala ukuhamba.

"Ukuze esihogweni yonke Beris kwaye wenze"

Ukuqwalasela i incwadi lokufunda nokubhala zemali, akunakwenzeka ukuba ukutsalela ingqalelo umsebenzi ngumrhwebi. Ingxelo evela kubafundi, kusenokuba ukukunyanzela kuhle ukuba uqale ishishini labo, okanye ubuncinane ukwenza intshukumo ethile. Umbhali "esihogweni, Beris yaye" niyakwazi ukubapha negalelo onamandla ekhuthazayo ephila. Yena kuvavanywa ingqiqo yakhe abalufumeneyo. Ngoku Branson iphethe iintlobo ezahlukeneyo ezingaphezu kwama-300 kwamashishini.

"Cinga kwaye ehluma"

Ke ekugqibeleni, wokugqibela, kodwa oko akuthethi ukuba owona msebenzi ingabangeli kwaye akufuneki kuluhlu lwethu - yincwadi ye uNapoleon Hill. Weva ngalo ezininzi, kodwa ukufunda walo ngoko nangoko abantu aqhele ayifikelelekanga. Mhlawumbi yiloo nto eRashiya a meko efana kunye nokubhala zemali. Kule ncwadi, Hill xelela amabali oosozigidi edumileyo. Ngubani na, ukuba na, ukuze bafunde ulwazi zemali? Noko ke, le ncwadi yenye yezinto ezibalulekileyo. Lifundisa ekunene indlela yokucinga ngayo imali. Ngokutsho reviews, oko sibulela umsebenzi Hill, abaninzi bakwazi ukuphuma ubuhlwempu kwaye uqale ngokwenza, ukuqonda oko buhlungu ngendlela eya ubomi engcono yemali.