Indlela ukuba ngusozigidi kulo nyaka?

isimo usozimali ungathenga ngamnye kuthi. Yaye ngaba kunokwenzeka? Enyanisweni, ukuba balandele imiyalelo, ungaba ngusozigidi kulo nyaka. Musa ukukholwa ndim? We uqiniseke, ezisekelwe phezu amabali labantu mihla, ababesenza ubomi bakhe ngaphandle ucinga ntoni ukuze beze. Kodwa emva kokuba batyelela imini, aba bantu bakwazi ukuba anyuke kakhulu eliphezulu. Bazimisele ukwabelana nani ngamava wam. Ngoko ke, endleleni eya awayesibawela izigidi kuya kufuneka boyise amanyathelo 8. Le iseti yezenzo ejoliswe ekufezekiseni le njongo. Emva kuyo, ungenza lula ukufikelela ezinqwenelekayo ekuhambeni kwexesha ubuncinane.

1. Ukuqulunqa isicwangciso sezimali esibhaliweyo

Esona sizathu sokuba abantu babe ngusozigidi, kukuba xa yayingasandikhathazi ukubhala isicwangciso sezimali. Inguqulelo ebhaliweyo kubhetele kakhulu ngomlomo. Kuyanceda ukwenza izigqibo ukuphumeza le njongo.

umhlalutyi Financial Scott Hedzhkok ikholelwa ukuba ukuyilwa yesicwangciso ivumela ukuba siqonde izinto ezimbini: wobeka phi imali olichitha nokuba ingakanani imali kufuneka ukuphumeza le njongo. Ngokutsho kwakhe, esi sicwangciso kufuneka wonke umntu, nkqu nomntu akayi kuba ngusozigidi. Kwaye ixesha elichithwa yokulungiselela sicwangciso, zingachaphazela ngqo imali yengeniso elizayo. ubutyebi Relative Akukhathaliseki ukuba awufuni ukwenza isicwangciso, uya kungekudala, wolahlekelwa bubo.

Xa uyila isicwangciso zemali kufuneka ingqalelo oku kulandelayo:

• ingqalelo nje ngeyona nto ngenene, musa kuhlala phezu elidlulileyo.
• Dwelisa iindleko zakho, kuqalwa ezo nto ixhomekeke kuwe.
• Ukumisela isixa ekwelona nqwanqwa lisezantsi efunekayo ukuze sikwazi ukuphila kwakho.
• Kholwani ndim, ukuba uqinisekile ukuba ngusozigidi! Oku usukelo lwakho kunyaka ozayo.

2. Ukugxininisa ngokwandisa ingeniso yakho

Kwindawo okuyo namhlanje akunakwenzeka ukugcina ubume ngusozigidi okanye ukufikelela nje ngaphandle ukwandisa imali yawo. Utsho Grant Cardone, owaba nako ukuphuma kubo ukutshona ematyaleni enkulu, nto leyo udubuleke engama-21, waba ngusozigidi kwiminyaka engama-30. Lowo uncoma ukuba uqwalasele ukuqinisekisa ukuba ingeniso ekhulayo nyanga zonke. Ukuba namhlanje uhola 3000 eerandi ngenyanga, emva kweminyaka emi-3 imali yengeniso-20 amawaka eerandi ngenyanga.

Oku kungenziwa ngeendlela ezininzi. Kakhulu wayedla utyalo-mali, kodwa ezinye iintlobo-mali esele abangazuza.

3. kwenza umsebenzi imali

Eyona ndlela ilungileyo - ukutyala kwinkalo enye umdla ngqo yenzuzo. Oku kuya kukhawulezisa kakhulu loo ekuphumeleleni injongo. Kwakhona zama ukunciphisa irhafu. Zonke oosozigidi niyakwenza - ukufumana inzuzo elungileyo, kodwa ahlawule ngaphantsi kwirhafu. Nakuba kunjalo, kufuneka sihlale ngaphakathi komthetho.

Eyona ndlela ilungileyo - babhenele kwiinkonzo zemali broker. Sebenzisa naluphi na uncedo oluya inokukuzisela kufutshane usukelo lwakho.

4. Ukwandisa enabela

Uhlalutyo yokusebenza kwezimali labantu mihla ikuvumela ukuba ufumanise ukuba-29% kubo enabela ngaphezulu kwe-5 ezahlukileyo, malunga ne-65% waba 3 flow, kodwa ubuncinane. Ukuba uthumela yonke imali enye yokungena nokuphuma kwemali, okanye amabini, umngcipheko omkhulu ungonakala. Ngoko ke, ukuze bafunde kumava nokwandisa ibizwa umdla, nokutyala imali iiprojekthi ezahlukahlukeneyo.

5. zokusebenzisa imali yakho, ugcine

Savings kufuneka zingenele kuwe lo mkhwa. Kodwa ngaphandle koko, kuyimfuneko ukuba ukuvula idipozithi lokonga kwaye rhoqo axolele imali kuyo. Zama ukwenza njalo, ukuya imali kunokuba nzima kangangoko kunokwenzeka, ngoko ke isilingo ukuze oko nikuchithele ukuthenga ngokungeyomfuneko kuya kuba ngaphantsi. Bala isixa olufunekayo omalususele yokuba kufuneka-10% yengeniso mali imali, 5% - ukususela kwabo nako ukusindisa. Ezi iidipozithi ngoku ezifundisa iibhanki ezininzi. Okukuyo ingaba ngokuzenzekelayo uluhlu inyanga isixa esithile ukusuka ikhadi. I-Bank ubhala off ngokwakhe, kutheni ixesha kwenkunkuma ngokuhambelana kwi osethilini ayikho imfuneko.

Kukho enye imfundiso echaza isizathu sokuba abantu abahluphekileyo oosozigidi kaninzi ngaphezu abantu abakumgangatho ophakathi. abantu abahluphekayo baqhele ukuba umxholo kunye kancinane, ngoko ke kulula ukunikezela ukuthenga ezilingayo kodwa engeyomfuneko, ezo musa ukuba ixabiso. Le ndoda abakumgangatho ophakathi, kwelinye icala, ukuze abonise impumelelo yabo yemali, ngokufuthi uthenga izinto zexabiso, iinzuzo ezo engeyiyo kangako, kodwa ungabonisa ukuba nabahlobo. Khumbula ukuba oosozigidi musa ukuyenza loo nto!

6. Ukuphuculwa ubuchule bakho kunye nolwazi

Ezisephepheni Hyu, owaba ngusozigidi eneminyaka eyi-22, icebisa ukuba ukufunda okanye kumamelwe ulwazi luncedo ubuncinane imizuzu eli-30 yonke imihla. Kufuneka nje ukuba lusekelwe kakuhle kwikhondo abalikhethayo umsebenzi, nokuba ube yingqondi, ukuba abe nako ukuthetha into yokuba ushishino lwabo kumanqanaba ngamanqanaba, ukuze simazi bokuqonda zincinane. Akukhathaliseki yintoni isizathu ishishini lakho - ukususela kwezopolitiko, ezemali okanye ezemidlalo, ulwazi olutsha ufuna njengomoya. Ngoko ke ungaze uyeke ukufunda. Kuya kukunceda ukuba utshintshe indlela ocinga ngayo, kuya kukunceda ufumane indlela engaqhelekanga izinto njengesiqhelo, ukuze ingeniso kwakhona ukuba ukwandisa.

7 Musa ukuthatha mboleko hayi ngaphezulu kwebhajethi nkqu nange

Yinto eyaziwa ngokubanzi ukuba abantu bazizinhanha emhlabeni zezona yokonga imali. Bona musa ukuchitha imali eninzi kwi ubunewunewu nomyili izivatho ezingeyomfuneko kunye nezinye izinto abantu abaqhelekileyo babonakala ukuba ube ngumqondiso wobutyebi. Ngaphezu koko - nokuba xa kuthengwa izinto eziyimfuneko zisebenzisa amatikiti isaphulelo. emakhayeni abo iimoto kakhulu kunqabile ukuba zibonise imeko yokwenene imali, ngokuba mahle kakhulu.

Nawe kufuneka kwakhona abeke esweni imali yabo. Ukuze benze oku, kufuneka ukuba isicwangciso. Xa kungekho tyala ingenakuthatyathwa nawe ukuya ivenkile imali ngaphezu kuyimfuneko ukwenzela ukuthenga ezicwangcisiweyo, kungenjalo baya kuba yinkcitho. Ewe, yonke loo oosozigidi kukwenza. Ungacinga ukuba bachithe imali ngaphandle ulawulo? Oku akunjalo, ukubonakala nga kuba siyazikhohlisa.

Musa ukuthatha mboleko. Nokuba oko kukholekileyo kakhulu 'umdla-free "mboleko, uya kufumana bajikele abathengisi. Akukho ibhanki iya ingasebenzi kwi ilahleko, ngoko nokuba kubhaliwe kwathiwa kwi-tag ngexabiso, "imali-mboleko kwi-0%", uya kuhlawula ngaphezulu ukulungiselela i insurance, iikhomishini ezahlukeneyo kunye neminye imisebenzi oyimfihlo. Yaye ukuba zesixa sentlawulo yenyanga kubonakala ezincinane, njengoko kuba sengozini ngenxa lwabiwo mali lwakho. Indiva amaziko amatyala kunye neevenkile abanikela nezahlulo "elilungileyo". Musa ukwenza ingeniso, apho ayikho emehlweni.

8. Nxibelelana nabanye labantu

Ngokusisiseko, imeko yakho mali iza kuba malunga ngokufanayo abahlobo bakho. Oko kukuthi, ukuba ndithethe nabantu ezikhuselekileyo zizizathu, kungekudala uza kufika umgangatho wabo, yaye ukuba isangqa yakho yasekuhlaleni kuphela kubantu abanemivuzo ephantsi, - ukuphumeza ngaphezulu awukwazi. Esi sicelo entsha. Ithiyori kudala abangqine zizazinzulu.

Igalelo eye kuwe bantu nempumelelo ngakumbi nempumelelo, ukwandisa indlela ocinga ngayo. Ukuba uya ngokunxulumana nabantu abanjalo, uzibeke ngokwakho kubo umqolo ubuncinane ngengqondo, uya kungekudala kakhulu ukufikelela inqanaba labo. Abaphumeleleyo kutsala abaphumeleleyo.

Kuko konke. Hayi kunzima kangaka ukuba ukukhumbula le mithetho kunye ukubalandela. Njengoko ubona, ukuba ngusozigidi ubani lowo umonde, ubenokuqina nokholo ngamandla abo.