Ileta kumntu ongakaze atyala imali ngaphambili
Imali Yakho Inokukwenza Okuninzi Kuwe Kunomsebenzi Wakho
Into yokuqala okufuneka uyiqonde ngaphambi kokuba uqale isicwangciso sokutyalomali yile: Imali yakho inokukwenza okungakumbi kunokobasebenzi bakho.
Ngeke ukwazi ukuba ngokuphulaphula umlinganiselo osezantsi okanye ophakathi kwinqanaba elincinane, ohlala ephakamisa ubuchule bokufumana umsebenzi omhle.
Ngamanye amaxesha inkqubo yokutyalomali iya kuba nzima. Uya kuhendelwa ukuba uphume xa kuthengwa imarike, utshintshe imali-mali xa izinto zingashukumi ngokukhawuleza, okanye utyalole into ongaziqondiyo: AWUKHO !
Unako ukulinganisa iSicwangciso sakho soTyalo-mali kuBuntu bakho
Akukho mpendulo "efanelekileyo" xa kuziwa kutyalo-mali. Emva kokuba uqonde izinto ezisiseko, unokubeka iipotifoliyo emele ukuba ungubani njengomntu. Kukho ibali elidumileyo lendoda eyayisebenzela inkampani yamanzi kwaye yathandwa yimpahla yamanzi. Wasebenzisa yonke into yakhe yokuthengisa into kodwa ulwabiwo lweenkampani zamanzi, uhlawulela inhlanhla enkulu kangangokuba wayeyazi ngokucacileyo, kwi-penny, inzuzo "yeenkampani" zakhe ezenziwe xa umntu ehlutha indlu yangasese.
Abanye, abanomdla kwi- real estate , abanakuze babe nesitoko ebomini babo. Esikhundleni saloo nto, banokuthenga izakhiwo eziqashisayo, bakhulise ukuqokelela kwabo izindlu ngexesha (kunokwenzeka ukuba bathenge i-real estate ngokusebenzisa into eyaziwa ngokuba yi-IRA eyayizimeleyo kodwa engaphezu kweli nqaku).
Ingongoma kukuba awukwazi ukuphulaphula wonke umcebisi-ntengiso kwi-TV. Awuboni amazinyo asebenzayo ukuba abe ngumculi rhoqo xa beva malunga neenkwenkwezi ze-pop ezifumana izibonelelo. Kutheni ungacinga ngokufaka imali kwiimali zakho zokutshala imali, oye wachitha ixesha ukukhetha nokuqonda, into ethile entsha uvile nge CNBC? Ukuba uyayazi iinkampani zobuhle, okanye iivenkile, okanye i-real estate, akunakucinga ukuba ubathengise kwixesha elizayo leoli ngenxa yokuba i-billionaire ithi yindawo ekumele ibe kuyo.
Lawula iindleko zakho
Kungakhathaliseki ukuba ukhetha ukutyalomali kwiimpahla, iibhondi , iimali eziphathekayo, iimpahla, i- real estate - akunandaba - kufuneka ugxininise ekulawuleni iindleko zakho. Into ebonakala ingabalulekanga ingenza umehluko phakathi kokuba nokwaneleyo, nokutsalwa, ngokuthatha umhlalaphantsi. Ukuthengwa kwengxowa-mali evela kwenkampani yolawulo lobutyebi kunokuza nokuthiwa "umthwalo wokuthengisa" we-5%. Oko kuthetha ukuba xa uqala ukutyalomali, i-$ 5 yee-100 zama-$ 100 oza kusebenza iya kuthathwa njengemali ebhankini okanye kwiziko lakho lezemali. Utyalo-mali lwama-R10 000, oko kuthetha ukuba ngaphezu kweminyaka engama-40, uza kuphelisa imali engama-22,600 + engaphantsi kwemali ecinga ukubuyela kwe-10% kunokubuya kwakho!
Ininzi yale nto ixazululwe ngunyama we-Intanethi. Isizukulwana esidlulileyo, unakho ukuhlawula i-$ 200 kwiimishini kwi-trade $ 10,000. Namhlanje, akufanele uhlawule ngaphezu kwe-10. Oku bekufanele kubangele ubutyebi buninzi ezandleni zabatyalomali abatsha. Esikhundleni salokho, kubangele ukuba abantu bathengise ngokurhweba, ukuthengwa nokuthengisa ngexesha elinjalo lokuba babalekele amasheya abamele ubunini boshishino, kungekhona nje amacandelo ephepha.
Musa ukutyalomali ngemali ongeke ukwazi ukuyilahleka
Musa ukutyalomali imali ongenakukwazi ukuyilahleka. Yingakho sine-akhawunti ye-akhawunti yasebhanki. Utyalo-mali kufuneka kwenziwe kuphela nge "capital" yakho - leyo yimali oyibeke eceleni ukuze ukhulise ubutyebi bakho ixesha elide. Akufanele usebenzise imali oyifunayo ukuthenga amasheya, i-real estate, okanye nayiphi na into. Ingozi nje ayifanelekanga ingozi.
Ezinye Iingcamango
Kwiimeko ezininzi, ii-clichés ezindala zikhona kuba zinobulumko. Uyazi abo. Musa ukubeka onke amaqanda akho kwibhaksi enye. Iibhokhwe zenza imali, iibhere zenza imali, kodwa ihagu zibulawa. Amasheya akhwela udonga lokukhathazeka. La mazwi ajikeleze ngaphezu kwekhulu kwaye baqhubeka benamhlanje.
Ukuba ndiyakongeza into enye kwoluhlu, kuya kuba oku: Ungaze wenze nantoni na eyenza ungakhathazeki. Ukuba ayinangqiqo, xa ufumana ukuvakalelwa emathunjini akho, okanye ukuba awuyiqondi into umntu ekucela ukuba ukwenze, khawugqithise utyalo-mali. Injongo yakho yokuqala kukuphepha ilahleko ezinkulu. Ukuba ukhusela i-capital yakho, unokuhlala ufumana iindlela zokwenza imali.