Kwabaninzi baseMerika Akunjalo Ukufikelela
Enyanisweni, usenokungazi, kodwa unokufumana enye okanye ngaphezulu kwezigidigidi ezihlala kufuphi nawe.
Isifundo esibalulekileyo esiyifumene kwincwadi ethi "I-Millionaire Next Door" yimfihlo yokuba bangaphi amaMerika abe yizigidigidi. Aba bantu bemihla ngemihla bathanda wena nam. Ewe, banokuba nekhaya elihle kunye neemoto kwaye bathathe iholide ezintle, kodwa ababizi. Abanayo indlu enkulu kunazo zonke kwibhloko kwaye musa ukuqhuba iinqwelo ezizenzekelayo . Iimoto kunye nezindlu aziyizibonakaliso zesimo kulezigidigidi ezizayo.
Ngako-ke aba bantu baba njani izigidigidi? Laba ngabantu abakhetha imisebenzi emihle, basebenze nzima kwaye baqhubele phambili kulo msebenzi. Bayazi ukubaluleka kokufunda ngokuqhubekayo. Kwaye, basebenzisa uqeqesho ukuze basindise kwaye batyalole ngokuhlakanipha.
Izigidi Ziyalumkela Ngokuchitha Imali
Izigidi ziyinyameko kwaye zilumkele ngokuchitha imali. Nazi ezinye zeembuzo abazibuza yona ngaphambi kokuba bathenge ezinkulu:
- Ngaba ndiza kuneliseka xa ndichitha ngaphantsi?
- Ngaba ndingayifumana inguqulelo yale mveliso ebiza imali encinci kodwa ingcono?
- Ngaba ndingathanda ukuba nethelevishini nayo yonke iteknoloji okanye mhlawumbi ndingabi nobutyebi?
- Ngaba ndingathanda ukuthenga imoto ebiza kakhulu kangangokuba kufuneka ndinwebe iintlawulo ngaphaya kweminyaka emihlanu okanye ngaba ndingathanda ukuba ngutyebi?
- Ngaba ndingathanda ukuthatha iholide eyi-5 000 okanye ngaba ndingathanda ukuba ngutyebi?
Wazama kunye Nendlela Yokwenene yokuba Yi-Millionaire
Ukuba ufuna ukulandela amanyathelo okuba yi-millioneire, kukho ukuzama nokunyaniseka kweendlela kunye nezindlela ezinokukufumana khona.
Nantsi indlela yeshumi enokuyilandela. Qinisekisa ukuvavanya isikhundla sakho nokuvavanya iziphumo njengoko ulandele le nyathelo. Gcinga ezingqondweni; unokuba ngumgidigidiya kungakhathaliseki ukuba ungakanani umvuzo wakho.
- Yiba nesicwangciso sezimali esibhaliweyo esibandakanya iinjongo zakho, umthamo wakho, umlinganiselo wakho wokukwereta amatyala, ukugcinwa kwakho kunye nezicwangciso zokutyalomali, kunye nebhajethi yakho yenyanga.
- Gcina imali ngokuzenzekelayo ngokuthi ube ne-10% yomvuzo wakho ngokuzenzekelayo efakwe kwi-akhawunti yakho yokugcina imali nganye ngexesha lokuhlawula.
- Ukubonelela ngokwaneleyo kwi- 401 yakho (k) icebo lokwandisa umlinganiso wakho womqeshi.
- Zifundise malunga nokutyalomali.
- Phila ngaphantsi kweendlela zakho. Khumbuza ukuba lowo odibanisayo xa kuthengwa kuthengisa uhlala esenza isigqibo sokuba akayidingi into emva kwayo yonke kwaye akayifunayo njengoko wayecinga ukuba wenza.
- Gwema ukusebenzisa amakhadi ekhredithi ngaphandle kokuba unako, kwaye uya kuthi, uhlawule ibhalansi kwiinyanga ezimbini.
- Ukuba unetyala lekhadi lekhredithi, gxininisa ekuhlawuleni ngokukhawuleza. Umdla owuhlawulayo imali onokuyigcina.
- Ukutshala imali kwiimali kunye kunye nemali echithwe kwi-akhawunti yakho yasebhanki ngokuzenzekelayo nyanga zonke utyalomali kule mali.
- Ukuba kunokwenzeka kwaye kuyenzeka, lakho ishishini.
- Izigidigidi zenziwa ngokungafunekiyo ngokuphindaphinda iindleko eziphezulu kwiityalo-mali, okanye imali ehamba rhoqo ukusuka kwelinye utsalo-mali ukuya kwelinye ukuxoshelwa ngokutsha.
Izigidi zifundisa ngokwenza utyalo kwaye zifune iingcebiso zeengcali, khetha i-high-quality-blue-chip stocks okanye iimali eziphathekayo kunye neengxelo ezifanelekileyo zokusebenza kwangexesha elide, utyalomali ngokuqhubekayo, kwaye ubambelele kule mali-mali enomgangatho kwixesha elide.
Umzobo weMillionaire
Ukuba uyaphawula ukusuka kumanyathelo angentla, ukufikelela kwisimo semali-mboleko akubandakanyi ukwenza izinto ezinkulu, ukugqoka okanye ukuthenga izinto eziphathekayo. Izigidi zihlala ngaphantsi kweendlela zazo.
Njengoko uyakubona, le ndlela yokuqinisekisa yokuba yi- millioneire ayiyiyo inzululwazi yesayensi, kwaye iyakwazi ukufikelela kubantu abaninzi baseMerika.