Isifundo esifunyenwe kwenye yeencwadi ezilungileyo kakhulu zeebhiliyoni: uhlahlo lwabiwo-mali!
Ucinga ukuba yiziphi iimaligidi zeMelika ezizenzayo ngokufanayo?
Ininzi yabo yenza uhlahlo lwabiwo-mali.
Enye yeencwadi zokuqala zemali endiyifunayo "I-Door Next Door." Ukuba ukhangele enye yeencwadi ezilungileyo kakhulu zeebhiliyoni ezikufutshane, oku kunjalo.
Ababhali, uThesen Stanley kunye noWiliam Danko, ngabafundisi be-ofisi bazinikezele imisebenzi yabo yokufunda imilinganiselo yabantu abazenzayo. Laba ngabantu ababa yizigidigidi ngaphandle kokunceda ilifa.
Iimpawu eziqhelekileyo zezigidi
UStanley noDanko bafumana iintambo eziqhelekileyo eziqhelekileyo ezabelwana, eziquka:
- Izigidi zihlala zihamba kakuhle.
- Baqhuba iimoto ezisetyenziswayo.
- Bathengela imoto yabo , endaweni yokuqeshisa enye.
- Bahlala "kwindlu encinci" kunokuba banako ukuthenga, ngakumbi xa bekhula ubutyebi babo. Uninzi lwabamelwane babo abayizigidi.
- Ingaphezulu kwesahlulo ayifumananga neR $ 1 njengelifa.
- Phantse isiqingatha asitholanga nayiphi na imali yokufundiswa kwiikholeji kwiintsapho zabo.
- Abangama-10 kwiimali ezili-10 abazange bafumane imali eyi-1 yobunini kwishishini lentsapho.
- Iimali ezizimeleyo zizenzela iziqabane. Ababhali bathetha enye ibali ephosakeleyo malunga nendoda, emva kokuhlaziya umthamo wayo, yamemezela umfazi ukuba babezigidi zemali. Umfazi ugxininisa, aze abuyele kumaconsi.
- Iimali ezixhamliyo zabanini beshishini. Abanye banemisebenzi yesikhathi esigcwele kunye namashishini amacandelo, ngelixa abanye bengabanikazi bexesha elizeleyo. (Funda ngamashishini onokuqala ngecala.) "Abantu abaqeshwe ngokuzimeleyo benza abangaphantsi kwama-20 ekhulwini labasebenzi baseMelika kodwa babele i-akhawunti yesibini kwi-million," le ncwadi ithi.
- Bavame ukuba neengqungquthela ezingenakudala i-cocktail party ingxoxo. Incwadi ithi: "Singabakontraki be-welding, abathengisi, abalimi beerayisi, abanikazi beepaki zeekhaya, abalawuli bezilwanyana ezihlaselwa yizilwanyana, abahlawuli beemali kunye nabathengisi beesitampu."
- Ummandla omnye apho bachitha imali ngokukhululekile kwimfundo yabantwana babo.
Izigidigidi zeBhajethi, Njalo
Kwaye, ngokuqinisekileyo, ndiyithandayo:
Uninzi lwabaxhamli bezigidi ezizimeleyo kwaye lilandele yonke ipenki. Bayazi ukuba bachitha ixesha elingakanani kwizinto zokutya, igesi kunye nazo zonke ezinye izinto zendlu.
Ababhali bathi:
"Ukucwangcisa kunye nokulawula ukusetyenziswa yizinto eziphambili ezixhomekeke ekubutheni kobutyebi ... Ukusebenza kwindlu ngaphandle kohlahlo lwabiwo-mali kuya kufana nokusebenza kwishishini ngaphandle kwesicwangciso, ngaphandle kweenjongo, nangaphandle kwesikhokelo."
Funda okunye: Kutheni i-Rich Rich Should Budget, Too .
Yintoni, Kutheni, kwaye njani
Izigidi ziqala ngephambili "yomfanekiso". Bayijonga indlela aba nethemba lokugcina ngayo, ukutshala imali, nokuqokelela impahla. Ezi njongo-mfanekiso zimela "oko" bafuna ukufezekisa kwaye "kutheni" bafuna ukufezekisa.
Iindleko zokuhlawula iindleko kunye nokulandelela kubonisa "njani." Iimaligidi ezizenzayo zihlola ukuphuma kwazo kwemali ukuze zibone ukuba imali yazo ihambelane neenjongo zabo ezinkulu.
Bawucoca ii-coupons, bagqoke iimpahla ezingahlambulukanga, basebenzise ubhiya basekhaya. Okanye, njengoko abalobi bezemfundo bathi, "Bahlala behlala kwiindawo ezizenzele ngokwabo ngokusweleka."
Benza uhlahlo lwabiwo-mali, ukulandelela imali yabo, kwaye baqaphele indlela abanokunciphisa ngayo imali ukuze batyale imali.
Ukuba oko akusisishukumiso sokwenza uhlahlo lwabiwo-mali, andiyazi ukuba yintoni.
(Ufuna ukuqala uhlahlo lwabiwo-mali? Sebenzisa ezi phesheya zokusebenzela ukuze ulandele iindleko zakho.)