Kodwa yinto enye yokukwazi ukwenza ntoni - yinto enye yokwenjenjalo. Uyazi i-adage endala ukuba ungakhokelela ihashe kumanzi, kodwa awukwazi ukumnisela? Ewe, baninzi bethu banxaniwe, siholele emanzini, size siphuze.
Ngoko unokufuna ukuba uzenzele ukwenza into efanelekileyo. Ukuba ufumanisa i-kilter kwiinjongo zakho zokuthatha umhlalaphantsi, zikho iindlela ezine ozikhohlisa ngazo ukuba ube nobutyebi.
Ukuzenzekelayo Ukulondoloza
Uninzi lwawe luye lwafunda incwadi kaDavid Bach, i -Automatic Millionaire . Le ngcamango ilula: yenza yonke into ngokuzenzekelayo. Oku kuthetha utyalo-mali lwakho, ukugcinwa kwakho, iintlawulo zakho zemali-mboleko - nokuba ishumi kwicawa yakho okanye ngeminikelo kwiintando zakho ezizithandayo - zizenzekelayo ngokuzenzekelayo. Ngoku uye wazikhulula uxinzelelo, kwaye uphelile izizathu ezikukhusela ukuba ungabi nobutyebi. Yibeke, uyalibale, kwaye ugxile ekufumaneni imali.
Iindaba ezilungileyo kukuba iindawo ezininzi zokusebenzela zenza kube lula ukwenza i-automation yakho yomhlalaphantsi . Ukuba usebenzela omnye umntu, unakho ukufikelela kwisicwangciso somhlala-phantsi, nokuba unama-401 (k), i-SIMPLE, okanye enye inketho. Esikhundleni sexabiso elingu-dollar elithile, kufuneka ulondoloze ipesenteji yakho yokuhlawula, ukwenzela ukuba njengoko imali yakho engenayo ikhula, ngokunjalo umrhumo owenzayo.
Oku kuyinyani ukuba umqeshi wakho unikezela ngokufanayo, okuqhelekileyo kusekelwe kwipesenti oyigcinayo. Yaye njengoko inzuzo yakho inganda kwaye unako ukukwazi ukugcina ngaphezulu, khulisa ipesenteki ezifaka isandla kwisicwangciso sakho somhlalaphantsi . Ngaphandle nje kwepesenti zepesenti ziza kwenza umda omkhulu phantsi kwendlela.
Ukuxhaswa kwiiFowfalls
Xoxa nabantu malunga nempembelelo yemali, kwaye uya kufumana impendulo efanayo ngokugqithiseleyo: "Okuqinisekileyo kuya kuba kuhle!" Kodwa inyaniso kukuba sinemimoya yexesha lonke, ngokuqhelekileyo kanye kanye ngonyaka.
Uninzi lweengcebiso zezezimali zomntu ziya kukuxelela ukuba unciphise inani leerhafu ezithathwe kwi-paycheck yakho ukuze unganiki urhulumente imali engenayo inzalo. Sitsho isilumko esilumkileyo : Uninzi lwabantu ngokwenene luyakwazi ukusebenzisa kakuhle ukubuyiswa kwempahla kunokuba babeya kuhlawula umvuzo. Ngoko thabatha imali encinci kwimbuyekezo leyo kwaye ujabule nayo, uze ubeke abanye ekuphumeni kwiakhawunti yomhlalaphantsi, iimarike zemali, kunye nokuhlawula ityala.
Ezinye iiprofalls onokukwazi ukuzibala: iibhonasi zokuphela konyaka, ifa, kunye nemali ekusebenziseni i-side hustle. Se benzisa ngokunjalo.
Gcina kulula
Ngama-1960 uMbutho wamaMerika waseMelika waqulunqa umgaqo we-KISS. Uyazi ukuba "Hlala Ulula, Uyizatha."
Kodwa abaninzi abantu bayichaza loo nto. Kukho ngokwenene akubhekiselelwe ukuba yintlawuya apho; "Isiyatha" asibhekiseli kumntu, kodwa kunokuba kuchaze ukulula. (Ibinzana elifanelekileyo liza kuba "Gcina Lincinci.") Umbono wokuthi indlela elula kakhulu kulula ukuyigcina nokulawula isebenza malunga nayo yonke indawo ebomini bethu, kubandakanywa nemali yethu.
Masithi uqala umsebenzi omtsha apho ufumana i-10 ekhulwini ukuhlawula ukongeza ngaphezu komsebenzi wakho wangaphambili. Ukuchitha imali eyongezelelekileyo kwizinto ezintle zokunethezeka kuyinto enhle - kukuhle ukuziphatha, kwinqanaba elithile-kodwa ukuba ufuna ukuzikhohlisa ekubeni usityebi, kufuneka wenze sengathi ukunyuka kwintlawulo akuzange kwenzeke. Gcina ubomi bubuwula ngokusesikweni, ngaphandle kwentlawulo entsha yemoto okanye imali enkulu yokubolekwa kwemali, kwaye uya kuba noloneliseko lokubukela umthamo wakho ukhule ngokukhawuleza. Kwaye nangona loo ntlawulo ephawulekayo ayikhulanga ngokuqhelekileyo, unokwenza usebenze ngokukhawuleza indlela yokuphila ukuze uhlale ngaphantsi. Gcina indlela yokuphila yakho elula, kwaye ibhalansi yakho yekhawunti iya kukhula.
Yeka ukutshabalalisa iikhokhelo zakho "ezongezelelweyo"
Uhlawulwa nini? Abanye abantu bakhokhelwa ngomhla wokuqala nakweshumi elinesihlanu lwenyanga. Abanye bahlawulwa kuphela ngowokuqala.
Kodwa abantu abaninzi bayahlawulwa rhoqo kwiiveki ezimbini. Leyo iphindwe kabini inyanga nganye, kodwa ngokwenene kukho amaxesha angama-26 e-kheekly ngonyaka. Oko kuthetha ukuba iinyanga ezi-2 ngaphandle konyaka, unayo "yokuhlawula" eyongezelelweyo.
Ingxaki ibangelwa ukuba uhlahlo lwabiwo-mali lwabantu abangama-26 ahlawulwa ngamawaka angama-12. Kukho indlela engcono. Uhlahlo lwabiwo-mali lwama-24 ahlawulwe ngeenyanga ezili-12, kwaye ngoku unako 2 "iintlawulo zokuhlawula" ezingakunceda ukwandisa umthamo wakho.
Ukuba unetyala lomboleki, umgomo wakho wokuqala kufuneka uwuhluthe oku ngaphandle kweekhekhe. Ukuba akunjalo, unokwenza umonakalo wakho wokugcina umhlalaphantsi, udibanise kwi- fund yexakeka , okanye uhlawule imali yakho . Uhlahlo lwabiwo-mali ngaphandle kwabo yindlela elula yokungaze ixhalabele ngabo.