Le mihla, imali kunye neengcebiso zezimali zomntu siqu kulula ukuyifumana. Kukho ngokukhululekileyo iincwadi ezininzi apho malunga nokulawula imali yakho . Kodwa ukufumana iingcebiso ezilungileyo kunye nezomsebenzi zomntu siqu? Ngoku kunzima kunzima. Ukuba ubambelela ekufundeni kwakho, ziindawo ezili-10 ezibalaseleyo zokuqala xa kuziwa ekufumaneni isibambiso kwimali yakho kunye nemali yakho. Kukho into apha kuwo wonke umntu, ukusuka kubatyalomali ngabanye kwizibini kunye nabaqeqeshi abancinci abancinci kulabo abanokuzithemba kakhulu ekulawuleni imali.
01 Imali Yakho okanye Ubomi Bakho
Imali Yakho okanye Impendulo Yakho Yokuphila , "9 Amanyathelo Okutshintsha Ubuhlobo Bakho Nemali & Ukufezekisa Ukuzimela Kwezezimali," ithetha kakhulu ngababhali bezobambiswano uVicki Robin kunye nefilosofi kaJoe Dominguez malunga nemali yomntu siqu, okokuba loo mali uvakalelo lwengqondo njengoko luba semathematika.
Imali Yakho okanye Ubomi Bakho buqale ukupapashwa ngo-1992 kwaye sele luye lwaphuma kwiphepha elihlaziyiweyo elilethe iNew York Times Best Seller kwikhulu lama-21. URobin noDominguez baqwalasela ezinye zezinto eziqhelekileyo ezizimeleyo zemali: Ngaba uchithe ngaphezu kokufumana? Ngaba unomnqweno wokutshintsha imisebenzi kodwa unganakho ukuwufumana?
Ngaba iingxabano malunga nemali echaphazela ubudlelwane bakho? Ngoko enoba unetyala kakhulu , ukhululekile ngokwezimali, okanye ucebile , le ncwadi inokuguqula ubuhlobo bakho nemali kwaye ingatshintsha ubomi bakho.
02 I-CFO yentsapho: Isicwangciso seShishini seBabane likaMthando kunye nemali
Ababhali bezobambisene noMary Clair Allvine, uCFP (ngubani oyiCwangcer Financial Planner) kunye noChristine Larson (intatheli) bathatha iingcamango zezemali eziqhelekileyo kwilizwe lequmrhu kunye nokuzizisa ekhaya.
Enyanisweni, unokuba ukhululekile kakhulu ngezixhobo zoshishino kunye neendima eziphakanyisiwe kule ncwadi, njengokuba nesicwangciso soshishino lweentsapho, iBhodi yabaLawuli, kunye neGosa eliPhezulu lezeMali.
Injongo ephambili yencwadi kukubonisa imibhangqwana indlela yokusebenzisa ezi zixhobo zokusebenza ukuze zifikelele kwiinjongo zemali ngexesha lokunciphisa ukuxabana kwemvakalelo kunye nokuxhalabisa okunokuchaphazela imibhangqwana ezama ukulawula imali ndawonye.
03 Isikhokelo esingabalulekanga sokuLawula iimali zakho
Nangona ngoku uneminyaka emininzi ubudala, le ncwadana ebonakalayo, elula ukuyiqonda ekulawuleni iimali zakho zemali isasebenza. Ebhalwa nguStacie Zoie Berg, le ncwadi ibandakanya ulwazi oluyisiseko kumakhadi-mboleko, iibhanki, utyalo-mali, i-inshorensi, ukuthenga imoto okanye ikhaya, irhafu, ukuxhasa ngemali iikholeji , ukucwangcisa umhlala-phantsi, ukucwangciswa kwempahla, nokunye. Incwadi ebalulekileyo yemali yebodwa kulabo abasemagaleni okuqala okulawula imali yabo nokucwangcisa ikusasa labo lemali.
04 Motley Fool Unayo Okuninzi Kunoko Ucinga
Abadali bendawo yezona zithandwa kakhulu kwiimakethe ze-stock market, www.fool.com, abazalwana uTom noDavid Gardner nabo babhala iNew York Times Bestseller Unayo Okuninzi Kunoko Ucinga . Incwadi yabazalwana bakaG Gardner ijolise ukubonisa ukuba nabanini-mali abangenamava banokufaka imali encinci yemali kwaye baqhuba inzuzo.
Iingcebiso zabo ezikude zivela kwiindlela zokunciphisa ityala lakho kwaye ufumane imali yokutshala imali, indlela yokufumana utyalo-mali olufanelekileyo, indlela yokulawula i-401 (k) yakho, kunye nokunye. Njengoko kuninzi lwabo lokubhala, le ncwadi yezemali iyimnandi kwaye ilula ukuyifunda.
05 I-Millioneire Next Door
Kule ncwadi esanda kuhlaziywa, ababhali uThomas J. Stanley, Ph.D. noWilliam D. Danko, Ph.D. uzama ukulungisa iingcamango yokuba abaninzi abaninzi bamaMerika bazuze ifa labo. Baya kufikelela ekuzifumaneni iinkalo ezisixhenxe eziqhelekileyo ezabelwana phakathi kwabaninzi abaye baqokelela ubutyebi obukhulu.
Ngokubonisa indlela umsebenzi onzima kunye nokutyalwa kwe-smart investment okwenziwe ngayo ama-million angama-American avareji, le ncwadi ibonisa ukuba nathi sinokuba phakathi kwezinto ezibutyebi. Le ncwadi yenza ukufunda okuthabatha umdla kunye nokukhuthaza.
06 Qalisa i-Idiot Isikhokelo sokuLawula imali yakho
Musa ukucaphuka ngesihloko. Incwadi ebhaliweyo ibonisa ukuba nabani na onokufunda ukulawula imali yabo ngokufanelekileyo, kwaye ugcwele iingcebiso zabathengi, iingcebiso malunga nemali-mboleko, ityala, iimbambiselwano, iimali-mboleko zemali, iimali-mboleko zebhanki, amakhadi-mboleko kunye neminye imiba enxulumene nemali.
Le ncwadi, ebhaliweyo ngumbhali wezezimali wezezimali uRobert K. Umbhali kunye nomlobi wezezimali u-Christine Heady, sele sele ehamba ngeenguqu ezine kwaye wathengisa izigidi zeekopi.
07 I-Courage To Rich
U-Suze Orman uye waba negama lomntu kwiimali zakhe, ngokwengxenye ngenxa yemiboniso ethandwa ngumabonwakude kunye neencwadi zakhe ezithengisa kakhulu. Isibindi sokuba sisityebi sinye.
Yintoni eyenza ukuba le ncwadi yezemali eyahlukileyo yinto yokuba ayilona i-nut kunye ne-bolts incwadi malunga nemali. Kunoko, kukhangeleka kwiimqobo zengqondo nezengqondo ezisenza singakwazi ukuqaphela ukufikelela kwezimali zethu. Incwadi iyimfuneko kulabo abangazange bathathe ulawulo lwekamva labo ngenxa yokuba bebanjwe ngokujonga ngemali.
Izibini ezi-08 kunye nemali: Isikhokelo seZibini, ukuhlaziywa kweNew Millennium
Njengengcali yeengqondo kunye neCreditnerner Certified Certified, uDkt. Victoria Collins uveza imbono ekhethekileyo kwisisombululo somntu ngokwasemabini, esitshatileyo okanye engashadile, abaphikisanayo ngemicimbi yezemali. Le ncwadi ibandakanya iingcebiso ezisebenzayo, ama-worksheets, kunye namabali okwenyaniso aya kunceda imibhangqwana izuze ukuvisisana kwemali kwaye isebenze kwiinjongo zemali ezifanayo.
09 Umlinganiselo WesiKhokelo soNtsapho kwiNkululeko yeMali
I-Tooheys, ebizwa ngokuba yi-"Best Managers Managers eMelika" ngeMagazini yamaphepha, banikele ngcebiso malunga neendlela eziqhelekileyo iintsapho, kunye nabantwana, ekutyala, kunye neengeniso ezinokuthobeka, zingathatha ulawulo lwempilo yazo.
Ukubeka iingcebiso zabo kwizenzo, baqokelela imali engama-467,000 e-8 kwiminyaka eyi-8 kwimali engenayo ye-$ 65,000. Bakubonisa indlela yokuguqula umvuzo wakho osemgangathweni kumgangatho ophezulu ophezulu.
10 Abasetyhini, Amadoda, kunye neMali
Kanti enye incwadi yezemali yomntu onomxholo othi: "Izixhobo ezine zokusebenzisa iMali ukuze uzuze Ubuhlobo Bakho, iBhanki kunye noMoya." Kwimibhinqa, amadoda, kunye nombhali wemali uWilliam Devine uhamba ngaphaya kwezinto eziphathekayo kunye nokuphuma kwezimali zezemali kwaye ufumana imvakalelo kunye nengqiqo yemali, "ekuboniseni indlela yokufumana, uchithe, utyalomali, uxoxisane kwaye uxubushe ngemali " ngendlela eya kucebisa ulwalamano lwakho kunye nezinye izinto ezibalulekileyo.