Kubalulekile ukuqhubeka nokuphucula ukuqonda kwakho kweemali zakho kunye nendlela yokuphatha kakuhle. Ukuba ufuna indlela yokutshintsha iimpawu zakho zemali , utshintshe indlela ocinga ngayo ngemali kwaye ufumane inkululeko yemali, kufuneka uqonde imigaqo-siseko malunga nemali. Ungadinga ukutshintsha enye okanye izinto ezikubambelayo okanye unokufuna ukwenza utshintsho oluthile oluncinane kwimikhwa yakho yemali . Ezi zincwadi ezine zicelomngeni umbono wemveli wemali kwaye ziqalise endleleni yokufikelela ekuzimeleyo kwezezimali. Bangakunceda uqonde iinjongo zemali ofuna ukuyibeka. Bangakunceda ukuba uqaphele iindlela ongase uzibekele ngayo imali kunye neendlela zokutshintsha . Kubalulekile ukuba uqhubeke ucela umngeni wakho ukuze uqhubeke nokuphucula ii-aces zakho zokugqibela. Ukuba ucinga ukuba ufunde enye inxalenye yemali yakho, kufuneka uqale ukugxila kwelinye inxalenye.
01 "I-Door Millionaire Next Door"
Le ncwadi inzima ukucinga ukuba abaninzi baseMerika bahlala bephila kakuhle. Ibukeka kwimikhwa yomyinge wemali, kunye neempahla zayo. Ibonisa iimpazamo eziqhelekileyo ezenziwa ngabantu abaninzi baseMerika ngelixa bezama ukwakha ubutyebi okanye xa befuna ukwenza njengokungathi banotyebi. Oku kufuneka ufunde ukuba ufuna ukuqonda umahluko phakathi kobutyebi benene nabanye abaninzi baseMelika. Ininzi yezigidigidi ezibukeleyo zizigidigidi ezizenzayo.
02 "I-Total Money Makingover"
UDave Ramsey uphawula indlela ojonga ngayo imali yakho. Inika isicwangciso esihle kakhulu esiza kukunceda ukuba uphume kwetyala ukwenzela ukuba unokwenene uqale ukwakha ubutyebi. Unesicwangciso esixhenxe sesinyathelo esiza kukhokelela ekuzimela kwakho kwezezimali. Esi cwangciso sifuna umnikelo kunye nokusebenza kanzima, kodwa isebenza. Ukuba uthatha ixesha lokusebenzisa imigaqo ngokunyaniseka kwangempela, unako ukuphuma kwetyala ngokukhawuleza. U-Dave Ramsey uhamba nawe onke amanyathelo akhe aya kukunceda ukuphatha imali yakho, ngoko awupheli kwakhona kwisikwere. Isicwangciso sinokukunceda ukuba uthathe umhlalaphantsi ngokufanelekileyo kwaye ushiye ilifa kubantwana bakho.
03 "UTata Ocebileyo, UTata Ohluphekileyo"
Le ncwadi inzima iimbono ezininzi abantu baseMelika abheka ngayo imali. Umbhali uchaza indlela awafunde ngayo kumntakwabo omhlobo wakhe omhle malunga nendlela yokujonga ngemali ngendlela eyahlukileyo. Uthetha kakhulu malunga nokufumana inzuzo kwimvelaphi engaphezu kweyodwa, kwaye uthetha ngokusebenzisa i-real estate ukwakha ubutyebi. Kwakhona uthetha ukuvavanya izinto ukuze ubone ukuba zininzi kangakanani. Ngokomzekelo, ubonisa ukuba indlu ingabi yintengiso, ukuba ibiza imali ngenyanga. Le ncwadi enhle ukuba ukhangele ukwakha ubutyebi kwaye ube yimali ozimeleyo. Uya kufuneka ulandele ngokucophelela le migaqo kwaye uhambe ngokucophelela ukuze ungapheli kwisikweletu ongenakukuhlawula.
04 Imali Yakho okanye Ubomi Bakho: Ukuguqula Ubuhlobo Bakho Nemali
Le ncwadi iya kucelomngeni indlela oxabisa ngayo imali yakho, izinto zakho kunye nexesha lakho. Ukuzivocavoca okukuthathayo kukunika ithuba lokubona ukuba iinjongo zakho zobomi zidibene nomsebenzi wakho wangoku kunye nemeko yezemali. Iqule isicwangciso esinokukunceda ukuba ube neenjongo zezimali ezifanisana neenjongo zakho zobomi. Kuya kukukunceda ukuba ufumane ukuzimela ngokwemali ngaphezu kwexesha. Nangona ungavumelani ngokupheleleyo nemigaqo kule ncwadi, ifilosofi eyisiseko kunye nezicwangciso zokutyalo-mali kunokukunceda ukuba wenze ngcono imali.