Izigqibo zezeMali eziMnxeba ezenza ukuba ube nguMillionaire ngaphambi kokuba uhlawule
Indlela eya ekuchumeni ifakwe ngeendlela ezifanelekileyo zezoshishino kunye nokukhetha kwezimali. Hlola ezi ndlela ezintle kodwa ezinamandla onokuzisebenzisa kwimpilo yakho yemihla ngemihla enokukunceda ukwandisa ubutyebi bakho ngokwaneleyo ukuba ufikelele kumanqaku angama-7.
1. Yenza iMithamo yamanqaku amaninzi
Fumana ithuba apho unako ukwandisa ingeniso yakho. Ukwenza imali elula kunokuba yinto elula kunokuba yenziwe, kodwa ukuba ungayifumana iindlela ezininzi zokukhawula ngemali engaphezulu, kunokukunceda ukwandisa umnatha wakho ngokukhawuleza. Kwisifundo seminyaka emihlanu yezigidigidi ezizenzayo, umlobi uTomor Corley ufumene ukuba ininzi yabo yayineemifuno emithathu okanye ngaphezulu.
Emva kokwenza uphando kunye nokucebisana nomcebisi wezezimali, unokufuna ukuqala ukutshala imali kwimarike yemasheya . Imarike yemasheya inamanani amaninzi kunye neentsikelelo ukucinga ixesha elide xa ukhwelisa amaza.
Okanye ukuba uluhlobo loshishino, qalisa ishishini lakho kwicala kwaye usebenze kwiiprojekthi ozivuyayo.
Ukuba uhlakulela imveliso oyithandayo oyisebenzisayo, yenza ivenkile ye-intanethi okanye uthengise iimveliso zakho ngabanye abathengisi.
2. Gxininisa kwiinjongo zakho
Xa uqala ukwenza imali ethe xaxa kwaye ukwandisa ukonga kwakho, unokulingwa ukuthenga imoto entsha yezinto zokunethezeka okanye iimpahla zokuyila. Nangona oku kuthengwa kuya kuba yinto ephathekayo, iyakwazi ukuqhubela phambili ukukhupha yonke imali oyilondolozayo kwikamva.
Ungavumeli ukuba umsebenzi wakho onzima upheleke emva kokuqhawula ngokuthenga okumbalwa. Abantu abazimisele kwaye bajolise ekutsaleni (kwaye bagcine) ngaphezulu kwemali; Ngoko qiniseka ukuba uhlonishwa ngenxa yomsebenzi wakho wokuziphatha, kungekhona izinto ezithengayo.
3. Faka i-Savings yakho kuSebenza ngokuTyala imali
Cinga ukwandisa ukonga kwakho ngokutyalomali. Beka imali yakho kwisityala ongeke ufikeleleke kalula. Unokuqala ngokufaka isandla sakho kwi-401 (k) kwaye usebenzise ngokugcwele umgangatho womdlalo wakho womqeshi ukuba banikela omnye. Xa usebenzise inzuzo nayiphi na imali yinkampani yakho, cinga ukufaka imali kwi- IRA yendabuko okanye iRoth IRA .
Ukuba ubeka isixa esicwangcisiweyo semali yakho engenayo ngaphandle kwenyanga nganye mhlawumbi awuyi kucinga kabini malunga nokuchukumisa; kwaye uya kufunda ukuhlala ngaphandle kwayo.
4. Qhubeka U kufunda
Utyalo-mali okhuselekileyo ukwenzayo kwixesha lakho elizayo. Yakha isicwangciso, ubeke iinjongo, ufunde iincwadi, iiblogi uze uphulaphule iipodcasts. Yandisa ingqondo yakho ngolwazi olungileyo oluya kukunceda ufikelele kwiinjongo zakho ngokukhawuleza kwaye ukhusele ngakumbi. Zikulungele ukufunda nokuthetha nabanye ngezifundo ezininzi. Ngokuqhubela phambili imfundo yakho nophuhliso lobuchwepheshe, uzibeka ngaphandle kwabanye. Akudingeki ukuba ube ngumntu onamandla kunazo zonke egumbini, zama nje ukuzama ukulungiswa.
Musa ukuvumela iimpazamo zikuphazamise ukuba ungene kwiinjongo zakho. Gcina ixesha kunye namandla okucwangcisa ikusasa kwaye ufunde indlela onokuphucula ngayo. Kukho iindlela ezininzi onokuzithatha ukuze ufezekise iinjongo zakho kwaye ube nolwazi oluninzi oluza kubakhokelela kwiisombululo ezikhawulezileyo kwiingxaki zakho.
5. Ukuhlawula i-$ 10 yezigidi, kungekho i-R1 Million
Abantu bavame ukukholelwa ukuba ukuzityebi kungabikho kolawulo lwabo, kodwa abatyebi bayaqonda ukuba ngokuzinikela kwiinjongo zabo zezezimali kwaye baqhubeke bebenza kubo, ikusasa labo lezemali lisesandleni sabo. Xa utshintshe ingqondo yakho ngemali, unokuqala ukubona indlela ecacileyo kwi-title title.
Ukuba ukholelwa ukuba ucinga kakhulu, cingisisa. Ukufumana nokuhlala ucebile kufuneka ube yinto ephambili. Abo bazama ukuphumelela kwaye babe neengqondo ezintle banokufikelela kwiinjongo zabo zemali.
Awufuni ukucinga emva kwento onokuyenza.
6. Hlanganisa Nabantu Abaphefumlelayo kunye Neenjongo Ezifanayo
Ukuba ujikeleze abantu abakuchukumisa ukuba ulandele amaphupha akho amakhulu, kufuneka ufunde ukuwahoywa. Bakhombise kakubi, kodwa thobekile ngawo. Iziphumo zakho ziza kuthetha ngaphezu kwamagama.
Inyaniso kukuba ama-millionaire acinga ngendlela eyahlukileyo kuninzi malunga nemali, ukuze ujikeleze nabasebenzi abanzima abanombono ofanayo. Sifana nabantu esihlala sihlala kuyo, ngoko ke ukucaca ngokucacileyo kwabangabazayo nabangakholwayo.
Matt Reiner ngu-CEO we-Wela, inkonzo yeengcebiso ngezezimali ze-digital.
Ukwazisa: I-Balance ayinikezeli irhafu, utyalo-mali, iinkonzo zemali kunye neengcebiso. Ulwazi lwenziwa ngaphandle kokuqwalasela iinjongo 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.