Ixesha lokuba uqale ukulawula imali yakho kakuhle
Abanye abantu baphatha imali yabo njengokuba bazalwa benokubala kwizandla zabo. Abanye ... akunjalo. Mhlawumbi baxhamla kwiimvelo zabo ukuba bachithe ngaphezu kokuba bafanele. Mhlawumbi iimati nje akusiyo i-suit yabo eqinile okanye bayifumana ingenakunzima ukugcina umkhondo weepennies kunye ne-dimes, makungabikho iidola.
Ukuba oku kufana nawe, kha thazeka. AWUKHO wedwa. Jonga nje kwiimanani. Umbutho we-American Psychological Association wenza uphando rhoqo ngonyaka xa uzama ukuphosa apho abantu bacinga ukuba bahlale bemali. Uphando olutshanje lubonise ukuba i-70% yeengxowa zethu zikholelwa ukuba sisemgangathweni wezimali. Ngaphezulu - iipesenti ezingama-75 - zikholelwa ngokunyanisekileyo ukuba siya kuba nzima ngakumbi ukuba sinemali eninzi.
Ngoko unokwenza ntoni ukufumana imali yakho kwaye wenze imali yakho ikhule? Funda. Zi fundise. Yile ndlela uElon Musk noWarren Buffett baqala ngayo, kwaye abazange bayeke ukufunda ngoku baphezulu kwimidlalo yabo. Ezi ncwadi kufuneka zikunike isiqalo esikhulu.
Eyona ndlela ihamba phambili: Ubaba oTyebi ohluphekayo nguRobert Kiyosaki
Ubaba Ocebileyo Ubaba: Into Abasisityebi Abafundisa Ngabantwana Babo Ngemali Abahluphekayo Namaqela Aphakathi Akunjalo! yinto enommiselo kunye nezifundo eziqhotyoshelweyo. Lwubhiyozele umhla walo wokuzalwa ka-20 ngo-2017 ngohlobo olulungisiweyo, kwaye umbhali uRobert Kiyosaki uninzi ukugubha. Yiyo le Nombolo 1 eyona nto yokuthengisa iincwadi zomntu ngamnye.
U-Kiyosaki uhamba nabafundi ngokusebenzisa ukukhumbula okubuntwaneni, umzekelo phakathi koyise ongeyena-ocebileyo kunye noyise wakhe owayengomnye wabahlali abacebile kakhulu baseHawaii. Uthelekiso lukhanyisa ukukhanya nje kungekuphela kwendlela yokuphatha kakuhle imali yakho okanye ukungabi naso, kodwa nangokukunceda abantwana bakho benze njalo. Ngokwe-Kiyosaki, akukho zonke iitalato ezibi, kwaye ungasebenzisa indlela yakho ebuncwaneni nangona ungenakuvuyela imali engenayo. Konke malunga nendlela ophethe ngayo imali onayo kunye nokucinga iindlela zokukukhokelela ekukhokheleni.
Uhlobo oluhlaziyiweyo loTata oTyebi oThwabileyo Ubawo uyabonwabile kwaye uqikelele njengoko ufanisa ubomi obungama-20 kwiminyaka edlulileyo ngokuchasene noko namhlanje.
I-Runner-Up, Ngokugqwesileyo: Uyi-Badass ekwenzeni imali nguJen Sincero
Uyi-Badass ekwenzeni Imali: I-Master Mindset yePawulo ivela kuJen Sincero, umbhali weNombolo 1 yeNew York Times eyona nto ingathengisa ukuba uyinto engalungile : Indlela yokuyeka ukungabaza ubukhulu bakho kwaye uqale ukuphila ubomi obusabekayo . Ishicilelwe ngo-2017, le ncwadi yesibini yeBassass ithatha i-angle engaphezulu kweyona mali.
Lungiselela ukugubha. Uza kuvula amehlo akho. Le ncwadi iyabonakala kwaye iyamangalisa, kwaye ukuba uninzi lwethu, uza kuzibona kunye nemikhwa yakho kumaphepha ayo. Isekelwe kumava ka-Sincero akhe njengoko ephuma kwimini yakhe yomvuzo (nangona wayekhetha iTaco Bell kwimifino ephantsi) ukuze aphile kakhulu, kakuhle. Uyi-Badass # 2 iklanyelwe ukukunceda ukuba ube nemikhwa yemali ekubambelela kwaye uqalise ezinye iingcamango ezilula, ezilula ukuqondakala ebomini bakho eziza kukunceda ukuphucula indlela olawula ngayo imali yakho.
I-New York Magazine ithi "yi-manifesto evuyayo ekususeni izithintelo phakathi kwakho kunye nengeniso yamaphupha akho." Ngubani othe ulawulo olufanelekileyo lwemali kufuneka lube nzima?
Incwadi Eyona Imayelana Nendlela Yokufumana Isisityebi: I-Millionaire Yomsebenzi KaDavid Bach
Kulungile, awufuni ukuhlala phantsi kunye nento echanekileyo kwaye enzima. Sifumana oko. Ubumnandi bukaDavid Bach I-Millionaire ye -Automatic: Isicwangciso seMandla esisisigxina sokuPhila nokuPhelisa uTyebi kukuba sihlangule ngokuqinisekileyo oko kuthembisa: isicwangciso-sinyathelo esinye.
Le ncwadi iphantse ifundwa njengenkolelo ekuqaleni ngebali eliyimpumelelo malunga nomntu obini ofumana ingeniso encinci kodwa engenazo izindlu ezimbini ezingenamakhaya kwaye banokulindela phambili ukugcina imali ebalulekileyo yomhlalaphantsi. Ukusuka apho, uBach uchaza inkqubo elula-inye eyokubeka ezi zicathulweni zesibini - kwaye ayibandakanyi uhlahlo lwabiwo-mali, ukufaka amazinyo akho okanye ukufumana amanani amathandathu ngonyaka, nokuba.
Unokumthemba uBach kuba lo akuyona i-rodeo yakhe yokuqala. Upapashwe ngabanye abathathu abathengisayo. I-Automatic Millionaire yachitha iiveki ezingama-31 kwiNew York Times Bestseller List xa ishicilelwe ngo-2004 kwaye ithengiswa ngaphezu kwe-1.5 million ikopi. Ukuhlaziywa kutshanje, kusasaziwa kakhulu.
Incwadi Eyona Imnandi Ngomdla: Ubudala beYean Chatzky noMichael F. Roizen
UChatzky noRoizen abagcini nje ngezemali. Ubuchule babo obudibeneyo bukho phakathi kokubambisana kwe-akhawunti yakho yasebhanki kunye nemeko yempilo yakho. I-Chatzky ingcali yezezimali ze-NBC ye-TODAY Show, kwaye uDkt Roizen nguGosa eliPhezulu loPhila kwiCliniki yaseCleveland.
Isiphakamiso sabo kwi- AgeProof: Ukuhlala ixesha elide ngaphandle kokugqithiswa kwemali okanye ukuphula i-Hip kukuba kufuneka ugcine iimali zakho ngendlela efanayo ukuba uhlale uphilile, kwaye ukuba wenza njalo ngoku, iminyaka yakho yegolide iya kuba yigolide. Kanye njengoko ungafuni ukudla iikhalori ezininzi kunokutshisa, awufuni ukuchitha imali engaphezulu kunokuba uzuze. Leyo yimiyalezo evunyelwe ngokubanzi, kodwa uChatzky noRoizen abashumayeli. Kunoko, banikela iingcebiso kunye nobuchule bokuguqula indlela oziphatha ngayo ukuze ufezekise zombini.
Kucacile - yonke imali ehlabathini ayiyi kukuvuyisa ukuba awukwazi ukuphuma ebhedeni, kwaye uxinzelelo olunxulumene nemali lunokulimaza impilo yakho. Ekhutshwe ngo-2017, i- AgeProof ifundwa ngokukhawuleza, elula, eyonwabileyo. I-Amazon ibibiza ngelinye leencwadi eziphambili ze-2017.
Incwadi Eyona Ntle Ngakumbi Ngokuthatha Umhlala-phantsi Omncinci: Indlela Yokuthatha Umhlala-phantsi Unoyolo, Uluncedo kunye Nenkululeko
Kwiphepha le-flip, Indlela yokuthatha umhlala-phantsi, ULuntu, kunye Namahhala: Ubulumko boMhlala-phantsi ongayi kuwufumana kuMcebisi wakho wezezimali ayingekho ngokumalunga nemali yakho ekulungiseleleni umhlala-phantsi njengoko kuthe ikwazi ukugcina.
Okuthakazelisayo, ayikukhuthazi ukusebenza kade kwaye kunzima ukufezekisa oko. Inxalenye ethi "inoyolo, inarha neyikhululekile" inqaku ayiyi kuhoywa, kwaye uZelinski ayicingi ukuba udinga i-$ 1 yezigidi-kunye kunye nokonga ukuwufeza. Le minyaka iyona nto ibhetele yobomi bakho, kwaye uZelinski unikeza izifundo ezimbalwa malunga nendlela onokuzifumana ngayo ngemali onayo, kungekudala kunokuba emva koko.
I-National Post ithi ezininzi iincwadi malunga nomhlalaphantsi "zijonga umgca wokugqibela njengomhla wokugqibela wengqesho. Yilapho uqala khona uZelinski. "Egwetywe ngumphenduli wabafundi, icebiso lakhe lithathwe kakuhle.
Incwadi Eyona Mfayela Ngokubetha Amatyala: Imali Yonke Yokubuyisela Imali
Kukho wonke umntu ... kwaye ke kukhona uDave Ramsey. Xa uRamsey uthetha imali kunye nemali, abantu bahlala bephulaphule, kwaye banezizathu ezilungileyo. I-Dave Ramsey Bonisa iintsimbi ezingaphezu kwezigidi eziyi-8 abaphulaphuli ngeveki kwii-550 iziteshi zerediyo. Ubhaliwe ezintlanu zeNew York Times abathengisa kakhulu, kuquka i -Total Money Makingover. Olu hlobo, I-Total Money Makeover Classic Edition: IsiCwangciso esiPhakamisayo sokuFinwa kwezeMali, siquka ezinye "ezintsha zeDave Rants" ezithatha uhlahlo lwabiwo-bhajethi njengeengxaki zomtshato kunye nendlela yokunyathela ibhilikhwe xa inzala yakho iqala ukujonga iikholeji ze-Ivy League.
Akusikho isicwangciso-esheshayo-esisisityebi-iincwadi zikaRamsey azikho. Incwadi inikeza isiseko esiqinileyo sokugcina, ngokwaneleyo ukwenzela ukuba ubomi obunxamisekileyo obunzima abukwazi ukukuphazamisa kwaye unokubeka iinyawo zakho ngenduduzo xa uthatha umhlalaphantsi. I-credsey kaRamsey uye wahlala ehlawula ukuhlawula ityala lakho ukuze ufike apho, kwaye uyakuxelela indlela.
Iveki Yomshicileli ithi uRamsey "unika inyaniso engqalileyo malunga nomsebenzi onzima owenzayo ukuba ukhululeke kwetyala, kwaye ulawulo lwakhe luyinxalenye enkulu yenzuzo yencwadi."
Incwadi Eyona Ngcono Iminyaka--20: Kutheni Abazange Bandifundise Esi Sikolweni
Umbhali uCary Siegel waqala ukufumana ingcamango yokuba Kutheni Azange Andifundise Esi Sikolweni: 99 Imigaqo Yokulawula Imali Yobuntu Ukuze Baphile Ngokuba waqonda ukuba izikolo ezingafaneleki zifundise abantwana bakhe malunga nokuphatha imali. Le ncwadi izisa abantu abaselula ukukhawuleza, kodwa musa ukuyikhathalela ukuba i-yakho engama-20 ilapha kwisibuko sakho esilandelayo. Awunakudala ukuba ukwazi ukuqonda le migaqo 99.
Ngokuqinisekileyo, 99 izandile zininzi, kodwa i-Siegel idibanise kwizifundo ezibanzi ezisibhozo. Baye malunga nokufunda ukulawula imali yakho ukuze kungakuphathi. Yaye le ncwadi ichaneke ngakumbi, ingaphantsi kwe-200 i-succinct, i-let-to----point-here-pages.
U-Siegel une-MBA evela kwiYunivesithi yaseChicago, kodwa incwadi yakhe ayikho iphezulu kunye nephakamileyo. Kuthe malunga nezinto ezisisiseko, udibanise ngokubhekiselele kwimiqathango yokuba isikolo sakho esikolweni esiphakeme sinokukuqonda ngokulula. Kubonakala ukuba basebenze kakuhle kuba umbhali washiya umhlala-phantsi kwiminyaka engama-45.
Incwadi Eyona Mfayela Ngokwemigaqo-Iminyaka Ebaludala: Umntu Omkhulu eBhabhiloni
Enye i-oldie kodwa i-goodie, Umntu Okhulu kakhulu eBhabhiloni ufunda njengomsebenzi weengcamango, kodwa musa ukwenza iphutha. Enye yeencwadi ezininzi zemfundo ngaphandle apho kuziwa kwiimali zomntu.
Igalelo likaClason kwiluhlu lwethu lucacile ngokukhethekileyo, iqoqo lamabali malunga nempumelelo yezemali kunye nokungaphumeleli okuvela kwiBhabhiloni lasendulo. Isizathu kukuba ukuba le migaqo isebenze ngenxa yethu yangaphambi kootata, baya kusisebenzela, nathi. Uninzi lwazo luyazi: Gcina, ungasebenzisi. Nika, kodwa phawula. Banikezwa ngendlela ebenzileyo ukuba bayamnandi. Zizibandakanya zombini iimali zomntu kunye neengxaki zezoshishino kunye neziqulatho.
Umntu Omkhulu eBhabhiloni kwakuyimpopasho yamaphephancwadi anikelwe kubathengi ngeenkampani zomshuwalense, amabhanki kunye neminyaka emininzi edlulileyo. Zapapashwa okokuqala kwifom yeencwadi ngo-1926. Eye yahlaziywa ngo-2010, le nguqulo entsha ifundwa ngokukhawuleza, iphepha eli-92. Ukubeka imithetho yezemali yakho akufumani nto elula kunjalo.
Incwadi Engcono Kakhulu Ngokuphila KwiBhajethi: Imali Yakho okanye Ubomi Bakho
Ababhali beMali Yakho okanye Ubomi Bakho: 9 Amanyathelo okutshintsha Ubuhlobo Bakho neMali kunye nokuPhumelela koBuPhepha kwizeMali bazama ukuvakalisa ingcamango engancinci kwaye iphile ngokuqinisekileyo iya kukuvuyisa.
Cinga ngako: Unokukhetha phakathi kwemisebenzi emibini. Lowo uhlawula kakuhle. Omnye akwenzi. Kodwa umsebenzi ohlawula kakuhle uquka into ethile-mhlawumbi osebenza nabo okanye uhlobo lwemisebenzi yakho - oko kuya kwenza ukuba ngokwenene, ukwesabise isandi sewashi lakho le-alamu ekuseni. Nguwuphi umsebenzi owamkelayo? URobin, iDominguez kunye neTilford bacinga ukuba akukho-brainer. Ukufumana imali akufanele kuthathe iintlungu. Hamba kunye nokwenza ube nolonwabo ngakumbi kwaye uhlalutye ibhajethi yakho ngokufanelekileyo.
Imali Yakho okanye Ubomi Bakho buxelela indlela. I-Millennial Money ibize ngokuthi "yincwadi engcono kakhulu kwimali." ILos Angeles Times ithi "ukuziphatha ngokutsha kokuphathwa kwemali." Akuninzi kakhulu ngokufunda uhlahlo lwabiwo-mali njengoko kuphila malunga neendlela zakho ngokutshintsha imikhwa yakho. Kwaye ujabulele ubomi kwisinyathelo ngasinye.