Xa kuziwa ekulawuleni iphothifoliyo yokutshala imali , enye yeengxaki eziqhelekileyo ndiyibona xa umnini-zimali ngamnye ebonisa ngentshiseko ukuba isitokethi "singabalulekanga" kwi-100x yokufumana imali ( sifunde ukubala ukubaluleka kwemali ) okanye ukuba isizathu sokuba ukulahlekelwa yimali kungenxa ye "ingwenya" eWall Street.
Ukwenza Imali Akunzima
Njengoko sixoxile ngamaxesha amaninzi kwixesha elidlulileyo, ukwenza imali akunzima. Ndathetha ngale nto kwinqaku elibizwa ngokuba yi- How to Get Rich . Ngethuba lokuqala kwimiba yam, mna nomyeni wam sasifumana i-$ 80,000 kunye ne-100,000 zamawaka njengabafundi beekholeji ngaphandle kokufumana ixesha elizeleyo ngokwenza izinto ezinengqiqo ngeendlela ezinengqiqo. Ukusethwa kwethu konke kubandakanya iikhomputha ezimbini kunye noxhumano lwe-intanethi. Senza imali phakathi kokuya kwiiklasi ngokubeka iimbono zethu ukusebenza.
Iimpawu ezi-4 zokwenza imali
Kwakukho iitshixo ezine esasisebenzisayo ngaloo mihla yokuqala eyasinceda ekufuneni kwethu ukwenza imali. Ukuba uthatha ixesha lokukhumbula nganye, ndiyakholelwa ukuba uya kuba nethemba elingcono lokufezekisa iinjongo zakho zemali kunokuba ungathanda ukuhamba yedwa. Ezi zitshixo zi:
- Ungalokothi ukhohlwe ukuba ukwenza imali kuqukethe umgaqo owodwa olula: Imali (ukuthengiswa okanye ukuhlawula ngokukhawuleza) ixabiso lokunciphisa (izindleko) = inzuzo . Ukwenza imali engaphezulu, kufuneka ukwandise ingeniso yakho, ukunciphisa iindleko zakho, okanye zombini. Ayikho enye indlela. Inene loo nto ilula. Indlela oyenza ngayo iquka ukuhweba ngokwexesha, ubudlelwane kunye nomgangatho wokuphila. Abanye abantu bazama ukwenza imali ngokuya esikolweni somthetho kwaye bafumana umvuzo ophezulu, nangona kuthetha iminyaka yokufunda kunye namatyala amaninzi. Abanye bazama ukwenza imali ngokuqalisa ishishini eliphumelelayo.
- Gxila ngokugqithiseleyo ekulawuleni umngcipheko wakho. Akufanele uzimisele ukuthabatha umngcipheko wokukhenxisa nje ithuba lokuba wenze imali. Ungaqali ukucinga ngezinto ezinokuthi uzibethe zizityebi. Musa ukuboleka imali ngenzame yokuziphakamisa ngokwakho kwi-hilt kwaye ube nomlinganiselo owodwa omkhulu. Ungaze uthembele kwingeniso eyodwa yomzi ukuhlawula zonke iindleko zakho (ndithanda kakhulu umzekelo waseBerkshire Hathaway ).
- Phatha imali yakho njengomqeshwa. Kwixesha elidlulileyo, ndibhale ngeteknolo ndiyisebenzisayo ukuncedisa ukuba ndiyayiqonda indlela yokusebenza ngayo xa ndiqala ukufunda i-finance ebuntwaneni. Ndacinga nge dollar ngayinye njengomqeshwa onokuthi angayifumana imali engaphezu kwamadola xa ndibakhusela kwaye ndawabeka ukuba asebenze. Umqeshwa ohloniphekileyo, engqondweni yam, wakwazi ukufumana okungenani i-10% ngonyaka, okanye 10 ยข, ngaphandle kokusebenzisa nayiphi na ityala. Umsebenzi wam ukuqokelela abasebenzi abaninzi njengokuba ndinako kwaye ndibenze ukuba bafumane imali eyongezelelweyo njengokuba kunokwenzeka, ngelixa besandipha ubomi bam kwaye ndiphila ngokuziphatha kwam. Ngexesha elithile, iidola zam (abasebenzi) babeza kuzuza ngokwaneleyo ukuba ndiphile kwimali engenayo . Ukujonga emva kwangoko, kunomdlalo wokuhlekisa ngenxa yokuba andifuni ukuthatha umhlalaphantsi-ndiya kuba ngumnye walabo bafana abanomdla kakhulu ngomsebenzi wakhe ukuba uyaqhubeka nokusebenza ubomi bakhe bonke. Kodwa kubalulekile kuba andifuni ukusebenza; Ndikhetha.
- Ukwenza imali akunakwenzeka xa uzikhohlisa. Ngo-1982 intetho kwiPalamente yaseBrithani ngexesha lokutyelela ngamazwe ngamazwe, ngoko-uMongameli uRonald Reagan wathi, "Ukuba imbali ifundisa nantoni na, ifundisa ukuzikhohlisa ekujonganeni namaqiniso angathandekiyo." Ngoxa uReagan wayexubusha inzululwazi yezopolitiko, kuyafana nezoqoqosho. Isinyathelo sokuqala sokwenza inkqubela kukuba uhlangabezane nenyaniso, ubhekane nesibindi, kwaye uqaphele imeko ozifumana ngayo. Kuphela ke unokuphuhlisa isicwangciso sokuphucula ubomi bakho. Kungenokuba mnandi, kodwa kuyimfuneko.
Ngamafutshane, ukwenza imali nokwakha ubutyebi kulula ukuba uhlala kwikhosi, gcina iindleko eziphantsi, kwaye ubeke imali yakho ukusebenza kutyalo-mali olude ixesha elide. Ukuqulunqwa kuya kwenza konke ukuphakamisa okunzima. Umdala oneminyaka eyi-18 ogcina i-$ 500 ngenyanga ebudeni bomsebenzi wakhe wayeza kushiya umhlala-phantsi kwi-65 kunye nama-dollar ayi-2,000,000 ngobutyebi kwizinga le-7% yokubuyela . Yongeza enye iminyaka kwaye i-fortune ikhula ibe malunga ne-$ 4,000,000. Ukwandisa ukubuyela kwi-10% kwaye iphothifoliyo iyaqhubela kuma-13,665,700. Olu uhlobo lwemali nokwenza imali.