Ngokulandela La macebiso, Unako Ukuba Ngumlandeli Olandelayo Mnyango
Ngokona nxalenye, aba bantu bangaphantsi kwabathengi . Baye bazuza isikhundla se-mamilionari kuba baye basebenzisa izicwangciso ezininzi zokwakha izityebi esiphi na sonke esinokuzisebenzisa-ukususela namhlanje. Nazi izibini ezilishumi elinambini zeegidigidi ezilandelayo:
1. Babeka iinjongo. Abantu abatyebileyo abalindele nje ukuba benze imali engaphezulu; baceba kwaye basebenze kwiinjongo zabo zemali. Unombono ocacileyo wento abayifunayo kwaye uthathe amanyathelo afanelekileyo ukuba afike khona.
2. Bazisindisa kwaye batyalole. Uninzi lwabathathe umhlala-phantsi luye lwaqalisa ukwenza igalelo elingaphezulu kwi-401 (k) kwii-20s okanye ezingama-30 zazo. Khumbula, i-dollar yonke oyifake kwi-401 yakho (k) irhafu echithwayo kwaye yakha iqanda lakho. Iinkampani ezininzi zinikezela ukulinganisa ipesenti yeminikelo yakho-ibhonasi eyongeziweyo.
3. Bahlala bengqesho. Uphando lwethu luye lwabonisa ukuba abahlali abacebileyo bahlala nomnye umqeshi iminyaka engama-30 ukuya kwe-40.
Ukuhlala kunye nenkampani efanayo kunokunikela ngembuyekezo emikhulu, kubandakanywa umvuzo omhle wokugqibela, iinzuzo eziphambili zempesheni kunye ne-helty 401 (k) izilinganiso. Ngoxa sisoloko siva malunga nemilinganiselo ephakamileyo yokubuyiswa kwemisebenzi kule mihla, kusekho inani labantu abanelungelo lokuba nelo hlobo lozinzo lomsebenzi, njengotitshala kunye nabasebenzi baseburhulumenteni.
Oku kubonisa ukuba awukho kwi-career-high-power-sted career, ukuze ube nobutyebi.
4. Bacela iingcebiso baze bazungeze ngeengcali. Abathathe umhlala-phantsi abanetyala abazenzi iirhafu zabo kwaye abazenzi-bodwa (DIY) abatyala-mali. Bayazi ukuba ziphi amandla abo, kwaye ukuba amandla abo angabonakali ekutyaleni imali, irhafu kunye nokucwangcisa imali, bayishiya kwiingcali ezizinikezele.
5. Ziyakhusela amanqaku ekhredithi. Eli qela lilondoloza amanqaku abo eFICO ngokukhawuleza ukwenzela ukuba bakwazi ukugcina amanani entengo ephantsi ekuthengeni okukhulu njengemali-mboleko kunye nemali-mboleko yemoto. Bakwenza oku ngokunciphisa amatyala abo.
6. Baxabisa ukuba nemithombo emininzi yengeniso. Ukuqwalasela ukubaluleka kokubakho kwengeniso, abahlala phantsi abacebileyo bahamba phambili ekukhuseleleni ubuncinane imithombo emithathu yokufumana imali. Le mithombo ithambekele ekuhlanganisweni koKhuseleko loLuntu, ipenshoni, umsebenzi wesikhathi-mali, ingeniso yerenti, nezinye iirhafu zorhulumente, kwaye kubaluleke kakhulu, ingeniso-mali.
7. Bakholelwa ekubeni bahlala bexakekile. Abathathe umhlala-phantsi bahlala benovuyo ngokulandela izinto zabo zokuzilibazisa kunye nemisebenzi yoluntu. Umsebenzi wesibini okhuthaza ukuthanda kwakho kwaye ugcine uxakeke, kanti ukuzisa imali eyongezelelweyo yimeko efanelekileyo. Cinga ngemali engakanani esichithayo ngaphandle kokunyamezela ukuzondla.
Icala lakho legig akudingeki libe yindoda. Yenza into onokuyithanda ngayo nangona bekungekho ikhokheji edibeneyo kuyo, njengokusebenzisa izenzakalo zemidlalo zendawo okanye ukubhala kwi-bookstore.
8. Baqaphele ngokuchitha imali. Abathathe umhlalaphantsi abacebileyo baqaphele ukuba bangaba lijolise kubadlali be-scammers. Bayazi ukuba ubuncwane obuba yiyo, bonke abantu abavela kwi-intanethi kwiindawo zokuphucula amakhaya banokukujolisa. Laba baphumelele bathathe ixesha labo babuze imibuzo efanelekileyo kubaboneleli benkonzo baze bafune ukuhanjiswa ngaphambi kokuqhuba ishishini nabani na.
9. Azingonakalisi. Abathathe umhlala-phantsi abanokholo bakholelwa ukuba awuyisebenzisi, bayeke ukuhlawula. Oku kunokuba yiyiphi into ekubhaliselwe ikhefu kumalungu ebumbano kwiinkqubo zokukhusela ekhaya. Ba landela uhlahlo lwabiwo-mali oluya kubanceda babone apho imali yabo ihamba khona ukuze bakwazi ukucima xa kuyimfuneko.
10. Baqonda ukuba imali ayithengi injabulo. Kukho, e neneni, ukubuya okunciphisa kunoyolo. Uphononongo lwethu kubahlali abathobayo, abatyebileyo bafumene ukuba aba baqashiweyo banamanani amaninzi aphezulu, kodwa amandla abo emali okwandisa ulonwabo yancipha emva kwama-$ 550,000.
11. Zihlawula kuqala. Kweli qela labahlala phantsi, baqonda ukubaluleka kokubeka imali eceleni kwabo kuqala. Kubo, yinto ebalulekileyo yezimali zezemali kwaye ubanika indlela yokugcina uqeqesho lwezemali.
12. Bakholelwa ukuba umonde ubuhle. Abahlala phantsi abacebileyo bafumana apho bahlala khona ngomonde. Baye bakholelwa ukuba ubutyebi buza kancane kwaye buqokelela ngokusindisa, ukutshala imali kunye nokuhlawula imali ngokweminyaka emininzi.
Okukwintsusa
Ubutyebi bobutyebi abuyinto engaqondakaliyo njengoko abantu abaninzi bacinga. Ukulungiswa kwezinto ezincinci, ukusekwa kwinjongo kunye nokucwangcisa imali kwexesha elide kunokukuhambisa isinyathelo esinye kufuphi nomhlalaphantsi ocebileyo. Ukufumana amacebiso amaninzi kunye nokuqonda ngendlela onokuyenza ngayo "i-millionaire ngasemva," nceda ukhupha le e-ncwadi ekhululekile, iMfihlelo yeZakhiwo zoButyebi beRhafu.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.