Kukhala ndi ufulu wachuma bwanji?

ufulu wachuma, Izi zikhoza kumveka ngati chiphunzitso chabwino. Koma zoona zake n’zakuti aliyense angathe kuzikwaniritsa. Ndipo ndikutanthauza aliyense - ngakhale wina yemwe kale anali ndi ngongole za ngongole za ophunzira masauzande ngati anu. Ziribe kanthu kuti muli ndi mavuto otani azachuma masiku ano, nthawi zonse pali njira yobwerera ku zoyera. Chinthu choyamba chingakhale kuyesa kugwiritsa ntchito kukonza bajeti.

M’nkhani ino, tikambirana mozama kufunika kwa ufulu wachuma. Ndigawananso nanu maupangiri oti mukhale ndi ufulu wazachuma, kuphatikiza ochepa omwe adandithandizira.

???? Kodi ufulu wachuma ndi chiyani?

Ufulu wachuma ndikutenga umwini wandalama zanu. Muli ndi ndalama zodalirika zomwe zimakulolani kukhala ndi moyo womwe mukufuna. Simudandaula kuti mudzalipira bwanji ngongole kapena zowonongera mwadzidzidzi. Ndipo simukulemetsedwa ndi mulu wa ngongole.

Ndizokhudza kuzindikira kuti mukufunikira ndalama zambiri kuti mulipire ngongole zanu ndipo mwinamwake muwonjezere ndalama zanu ndi kulimbikitsa pang'ono. Ndikonso kukonzekera zachuma chanu chanthawi yayitali posunga mwachangu tsiku lamvula kapena kupuma pantchito.

???? Nawa malangizo 10 okuthandizani kuti mupeze ufulu wanu wazachuma

1. Zindikirani pamene mwaima

Simungathe kupeza ufulu wachuma popanda kudziwa poyambira. Kuyang'ana kuchuluka kwa ngongole zomwe muli nazo, ndalama zomwe mulibe, komanso kuchuluka kwa zomwe mukufunikira kungakhale chokhumudwitsa. Koma ndi sitepe yofunika kwambiri panjira yoyenera.

Nkhani yoti muwerenge: Momwe mungachepetsere nkhawa zanu zachuma

Lembani mndandanda wa ngongole zanu zonse: ngongole yanyumba, ngongole za ophunzira, ngongole yamagalimoto, kiredi ndi ngongole ina iliyonse yomwe mwapeza. Musaiwale kuphatikiza ndalama zomwe mudabwereka kwa anzanu kapena achibale pazaka zambiri.

Tsopano puma mozama. Ndipo wina. Kenako onjezani manambala onse.

Kodi muli ndi ngongole zingati?

Ngati ndi chiwerengero chachikulu, musachite mantha, ndikulonjeza kuti ndigawana njira zolipirira izi pambuyo pake m'nkhaniyi. Ngati ndi ochepa, zikomo! Khalani omasuka kugawana malangizo anu omasuka azachuma mu ndemanga pansipa.

Kenako yang'anani ndalama zonse zomwe mwasunga. Lembani mndandanda wa ndalama zonse zomwe mwasunga: maakaunti osungira, masheya, mapulogalamu ofananira ndi kampani, mapulogalamu ofananira nawo opuma pantchito, ndi mapulani opuma pantchito. Kenaka, onjezani malipiro omwe mumalandira mwezi uliwonse, monga malipiro, ndalama zowonjezera, ndi zina zotero.

Kumbukirani manambalawa pamene tikugwiritsa ntchito malangizo otsatirawa a ufulu wazachuma.

2 Muziona ndalama moyenera.

Ngongole ingakhale yovuta kwambiri. Koma kumbukirani kuti ndalama ndi chinthu chabwino, ngakhale ngati zikuoneka kuti zikunyamula katundu wolemera pakali pano. Muyenera kupeza ufulu wachuma.

malinga ndi Ndinu Woyipa Pakupanga Ndalama Wolemba Jen Sincero , anthu amene sapeza ndalama zambiri amachita manyazi akafuna kupeza ndalama. Choncho chopinga chachikulu chimene anthu ambiri amakhala nacho pankhani yopeza ndalama n’chakuti amaona ngati ndalama ndi zoipa.

Ambiri amadziona kuti ali ndi mlandu chifukwa chokhala nacho ndipo amadziimba mlandu kwambiri pochifuna. Timagwiritsa ntchito ndalama tsiku lililonse kukonza moyo wathu, koma nthawi zonse timawoneka kuti timayang'ana mbali zake zoyipa.

Ndalama ndi chinthu chofunikira monga chakudya kapena madzi. Zimakuthandizani kugula zomwe mukufuna ndikukhala moyo womwe mukufuna.

Kuti mukhale ndi ufulu wazachuma, muyenera kuona ndalama monga chida chomwe chingakuthandizeni kukwaniritsa maloto anu, kulimbikitsa mphamvu zanu, ndi kukhala ndi moyo wopanda nkhawa zomwe mungasangalale nazo.

Chifukwa ngati mumaona ndalama molakwika, mosadziwa mudzawononga mwayi wanu wopeza ndikusunga.

3. Lembani zolinga zanu

Mukufuna ndalama chifukwa chiyani?

Kodi mukufuna kuchotsa ngongole zanu zonse? Kodi mukufunitsitsa kuthawa 9 mpaka 5? Kodi pali malo omwe mumafuna kupitako nthawi zonse? Kodi muyenera kusunga ukwati, ana kapena kupuma pantchito?

Nkhani yoti muwerenge: Zomwe muyenera kudziwa zokhudza maakaunti aku banki a ana

Ndinapeza ufulu wachuma chifukwa ndinachimanga ndi cholinga chamaganizo. Cholinga changa chinali kuchotsa ngongole za ophunzira ndikusunga nyumba yanga yoyamba. Ndipo kunena zoona, chinali chochitika chosangalatsa kuwona ngongole ikutsika ndipo ndalama zomwe ndasunga zikukwera.

Ndinasangalala kwambiri kuona manambala akusintha moti ndinagwira ntchito molimbika kuti ndipeze ndalama zambiri ndikuwona kusintha kwakukulu kwa ndalama zanga. Kodi ndikanakwaniritsa cholinga changa cha ufulu wazachuma ndikanapanda kumangirira cholingacho ndi china chake chokhudza mtima?

Mwina ayi. Ndinafunika kwambiri kusiya ngongoleyo n’kuchoka panyumba ya makolo anga. Kutaya mtima kumeneku kunandilimbikitsa paulendo wanga wonse.

Chinthu china chochititsa chidwi chinachitika. Mu February 2018, ndinalemba papepala zina mwa zolinga zanga:

• Pezani $100000 Yogulitsa Zinthu Pa intaneti
• Sungani $20000 kuti muthe kulipira
• Lipirani $24000 pa ngongole za ophunzira

Ndinamaliza kuyika molakwika pepala ili ndikuyiwalatu za izo. Ndiyeno tsiku lina, kupitirira pang’ono chaka chimodzi pambuyo pake, pamene ndinali kukhala kale m’nyumba yanga yatsopano, ndinaipeza mu kope langa. Ndithudi, ndinali nditakwaniritsa zinthu zitatuzo. Chosangalatsa ndichakuti, sindinaganizirepo za zolingazo.

Simungathe kuchita zonse zomwe mukufuna m'mwezi umodzi. Koma chaka ndi nthawi yayitali kuti mupite patsogolo pa zolinga zanu. Onetsetsani kuti cholinga chanu chikugwirizana ndi nambala yeniyeni yomwe mukufuna kukwaniritsa. Khulupirirani kapena ayi, mudzayamba kuyesetsa kukwaniritsa zolingazi osazindikira.

Podziwa zomwe mukufuna kukwaniritsa, kupeza ufulu wachuma ndikosavuta nthawi miliyoni.

4. Tsatani ndalama zanu

Njira yofunika kwambiri yopezera ufulu wachuma ndikutsata momwe mumawonongera ndalama.

Mutha kugwiritsa ntchito chida ngati Mint, chomwe chingakudziwitseni kuchuluka kwa ndalama zomwe mukugwiritsa ntchito. M'magulu ati omwe mwawononga kwambiri, ndalama zili bwanji muakaunti yanu yonse komanso ngongole yomwe muli nayo.

Chinthu china chabwino pa Mint ndikuti imakulolani kukhazikitsa zolinga mu dashboard. Mutha kuyang'anira zolinga zanu ndikudziwa mwezi weniweni womwe mudzayembekezere kukwaniritsa cholingacho potengera ndalama zomwe mwayikapo. Kotero mumadzisungira nokha mlandu ndikukumbukira kusunga ndalama nokha.

Nditagwiritsa ntchito Mint kwa mwezi umodzi, ndidakwanitsa kusunga ndalama zina kuti ndikwaniritse cholinga changa chatsopano cha thumba laukwati. Mint adandithandiza kuti ndisamangoganizira za cholinga changa ndipo adandikakamiza kuti ndipeze ndalama zambiri kuti ndikwaniritse chuma changa.

5. Dziperekeni nokha poyamba

Mwinamwake mwamvapo mawu akuti "dzilipira nokha poyamba." Koma ngati simunatero, "dzilipira nokha choyamba" kumatanthauza kuyika ndalama zinazake mu akaunti yanu yosungira musanalipire china chilichonse, monga ngongole. Ndipo kudzilipira nokha poyamba kwathandiza anthu ambiri kuyandikira ku ufulu wachuma.

Pourquoi?

Chifukwa ngati mukufuna kudzilipira nokha poyamba 1 000 $ pa nthawi yolipira, chomwe chatsala ndikulipira ngongole. Ndipo ngati mulibe zokwanira kulipira ngongolezo, mumakakamizika kusonkhanitsa ndalama zachiwiri kuti muchepetse ndalamazo.

Nkhani yoti muwerenge: Macheke aku banki osiyanasiyana, macheke aumwini ndi macheke ovomerezeka

Podzilipira nokha choyamba, mumawonetsetsa kuti nthawi zonse mumayika ndalama pambali kuti mupange nokha. Pochita zosiyana, mumangopeza zomwe zatsala, zomwe nthawi zambiri sizikhala zofunikira kuti zikuthandizeni kukhala ndi ufulu wazachuma.

Mukhozanso kulipira nokha poyamba m'njira zina. Mwachitsanzo, ngati kampani yanu ili ndi pulogalamu yosungiramo ntchito yopuma pantchito, mutha kupempha kuti muchotse ndalama pakupuma kwanu.

Mwanjira iyi mumayika ndalama zanu ndi tsogolo lanu poyamba. Ndalamazo zimachotsedwa pamalipiro anu, kotero zomwe zatsala ndi ndalama zomwe mungathe kuziyika pambali pa bili ndi ndalama zanu.

6. Gwiritsani ntchito ndalama zochepa

Ndipo 1958, Warren Buffett adagula nyumba nyumba yokhala ndi zipinda zisanu $31 ndipo sanasunthe kuyambira pamenepo. Ukonde wake? $ 90,3 biliyoni yodabwitsa. Amatha kugula nyumba yayikulu komanso yodula. Koma kuchepa kwake kungakhale chifukwa chake ndi m'modzi mwa anthu olemera kwambiri padziko lapansi.

Komano, Kanye West saopa kuwonetsa ndalama zake. Amakhala m'nyumba ya $20 miliyoni. Ndipo panthawi ina, ali ndi ngongole zokwana madola 53 miliyoni, adaganiza kutero funsani Mark Zuckerberg $ 1 biliyoni … pa Twitter.

Kusiyana pakati pa njonda ziwiri zopambana bwino kwambiri? Buffet sanawononge zambiri kuposa zofunikira, ndipo West akuwononga ndalama zomwe alibe.

Zoona zake n’zakuti anthu ambiri olemera saoneka ngati olemera. Zuckerberg amavala t-sheti yotopetsa yofanana ndi jeans tsiku lililonse. Kugula zinthu zochepa kungakuthandizeni kuti mukhale olemera.

Powononga ndalama zochepa, zinthu ziwiri zimakuthandizani. Choyamba, mudzakhala ndi ndalama zambiri zoti muike pambali kuti mukhale ndi ufulu wazachuma. Chachiwiri, muphunzira kuti mumafunikira zinthu zochepa kuti mukhale ndi moyo, zomwe zimakuthandizani kuti musunge ndalama zambiri.

Ndipo izi zikupita ku mfundo yathu yotsatira…

7. Gulani zochitika, osati zinthu

Moyo ndi waufupi. Sizokhudza kusonkhanitsa ndalama zanu zonse musanakwanitse zaka 65. Mukuloledwa kusangalala ndi moyo mudakali moyo. Pamapeto pake, zinthu zomwe zingakuthandizeni kukhala ndi moyo wokhutitsidwa ndizomwe mumakumana nazo, osati zomwe muli nazo.

Ndipo kodi zinthu zimene mumagula zimakupangitsani kukhala osangalala m’kupita kwa nthaŵi? Kodi ngongole yomwe muli nayo pogula mulu wa zinthu imapangitsa moyo wanu kukhala wosavuta?

Tsopano tiyeni titembenuze chosinthira. Kodi mumakumbukira chiyani? Mumatani? Munali ndi ndani? Tiyeni tikumbukire zambiri ngati izi. Mwina muli ndi mnzanu amene mumakonda kugwira naye ntchito. Muyitanireni kuchita masewera olimbitsa thupi pa YouTube playlist kunyumba kwaulere.

Ndi usiku wa tsiku. Mukufuna kuti musaiwale. Pezani zosangalatsa zomwe simunachitepo.

Nthawi zonse mumalakalaka mutapita ku Roma. Mwakhala mukusunga ndalama kwa chaka kuti mukhale ndi tchuthi cha maloto anu. Pitani kutchuthi chopanda mlandu. Simunalowe m'ngongole pa izi, mwapeza. Kapena mutha kukhala woyendayenda wa digito ndikuyenda padziko lonse lapansi mukugwira ntchito kunja.

Nkhani yoti muwerenge: Akaunti Yamakono Yakubanki - Tanthauzo, Ubwino ndi Kuipa

Moyo umapangidwa ndi mphindi. Zabwino kwambiri zimachokera ku nthawi yabwino yokhala ndi abwenzi ndi abale. Ngakhale kuti zinthu zina zimatha kukuthandizani kuti mukhale pafupi ndi banja lanu (monga mlungu uliwonse wa Family Video Game Night), zambiri sizimawonjezera phindu.

Osawononga ndalama, simuyenera kumanamizira kuti muli ndi ndalama.

8. Kubweza ngongole

Anthu ena angakuuzeni kuti n’kwanzeru kuika ndalama zanu m’matangadza kusiyana ndi kubweza ngongoleyo. Ngati ndinu katswiri wosankha masheya, zitha kukhala zoona. Koma ngati simunapangepo ndalama m'matangadza, mutha kukhala ndi ngongole zambiri.

Anthu ambiri amamvanso chimodzimodzi akamaliza kulipira ngongole yomaliza: kumasuka. Ngati muli nazo 50 000 $ ngongole, ngakhale muli nayo 30 000 $ ndalama kubanki, simungathe kudzitcha kuti ndinu wopanda ndalama. Inu mukadali nawo 20 000 $ mdzenje.

Ngakhale kulipira munthu wina sikokongola ngati kukhala ndi ndalama kubanki, kumakufikitsani kufupi ndi ufulu wazachuma.

Nkhani yoti muwerenge: Momwe mungachotsere ndalama za PayPal mosavuta popanda khadi ku Africa?

Pali njira ziwiri zazikulu zobwezera ngongole: snowball ndi chigumukire. The snowball ndi pamene inu kulipira ngongole yaing'ono poyamba. Chigumula ndi pamene mukubwezera ngongoleyo chiwongola dzanja Wapamwamba kwambiri.

Muyenera kusankha chomwe chili choyenera kwa inu. Koma pamene ndinkayesetsa kuti ndisakhale ndi ngongole, zinthu zinandiyendera bwino.

Zinandithandiza kukhalabe wolimbikitsidwa. Popeza ndinatha kuchotsa ngongole yanga yoyamba, bilu ya kirediti kadi ya 1 200 $, m’mwezi umodzi wokha, kudzimva kuti ndachita bwino kunandisonkhezera kuchitapo kanthu mokulirapo ndi kulimbikira ngongole ya ophunzira.

Kulipira ngongole yaikulu kumatengera kulemera kwakukulu pamapewa anu. Mukamaliza kulipira ngongole yanu, mukuwona kuchuluka kwa ndalama zomwe muli nazo kubanki zikuwonjezeka.

9. Pangani njira zowonjezera zopezera ndalama

Chabwino, panthawiyi mwina mukuganiza kuti, "Ngongole yanga ndi yochuluka kwambiri kuposa malipiro anga, ndingazilipire bwanji ngati sindipeza ndalama zokwanira?" Ngati muli otsimikiza za ufulu wachuma, muyenera kusiya thukuta ndi misozi.

Ngati ndi choncho, muyenera kuchitapo kanthu ndikuyang'ana ndalama kunja kwa ntchito yanu yamakono. Ine mwachitsanzo, ndine mphunzitsi-wofufuza ndipo palibe chomwe chimandilepheretsa kukhala blogger ndi mlangizi wa bizinesi. Zonse ndi za bungwe.

Akatswiri ena amalimbikitsa kukhala ndi njira zisanu ndi ziwiri zopezera ndalama. Ngati muli ndi ntchito zikomo, muli ndi imodzi, zisanu ndi chimodzi zokha zoti muchite! Tsopano mutha kuyang'ana magwero anu a ndalama m'njira ziwiri: ndalama zogwira ntchito (nthawi yosinthana ndi ndalama) kapena ndalama zomwe mumapeza (ndalama zomwe zimatha kulowa, ngakhale mukugona).

Magwero a ndalama zogwira ntchito

Ngati musinthanitsa nthawi yanu ndi ndalama, mumachepetsedwa ndi maola a tsiku. Nazi ntchito zina zomwe mungachite kuti mupeze ndalama:

• Khalani wolemba pawokha popeza ntchito pa ProBlogger, Upwork, Fiverr, ndi zina zambiri.
• Thandizani mwini bizinesi ngati wothandizira weniweni ndi ntchito pa Upwork
• Phunzirani maluso atsopano kudzera mu maphunziro a pa intaneti kwa amalonda
• Khalani woyendetsa Uber
• Thandizani ntchito zapakhomo pa Task Rabbit
• Sankhani ntchito yosamvetseka, wamba pa Craigslist
• Ndipo zambiri!

Magwero a ndalama zopanda pake

Ngati mulibe nthawi yochuluka yopezera ndalama, mutha kuyang'ana kwambiri kukulitsa njira zomwe mumapeza ndi ndalama zomwe mumapeza monga:

• Yambitsani sitolo yapaintaneti. Onani nkhaniyi kuti mudziwe momwe mungayambitsire bwino bizinesi yapaintaneti
• Yambitsani Bizinesi Yanu Yanu Yovala Pa Shopify
• Gulitsani zopindulitsa (mabulogu, ma ebook, maphunziro, ma webinars, ma audiobook, podcast, mapulogalamu)
• Khalani ogulitsa ogwirizana. Onani maphunziro athu athunthu kuti mudziwe zambiri phunzirani zambiri zamalonda ogwirizana.
• Gulani katundu ndikubwereketsa
• Invest in stocks

Mwamwayi, mitsinje isanu ndi iwiri ya ndalama zonse imatha kubwera kuchokera kugwero lomwelo. Mwachitsanzo, ngati ndinu katswiri wazamalonda wapa e-commerce, ndalama zomwe mumapeza zitha kubwera pomanga masitolo asanu ndi awiri osiyanasiyana. Kumbukirani: simuyenera kuyamba ndi mitsinje isanu ndi iwiri, mutha kumangapo pakapita nthawi. Nayi nkhani yofunika yomwe ikufotokoza inu sitepe ndi sitepe momwe mungakhalire kwathunthu kuchokera kubulogu yanu.

10. Ikani ndalama mu tsogolo lanu

Upangiri womaliza wa upangiri waufulu wachuma ndikuyika ndalama m'tsogolomu. Tiyerekeze kuti mutsatira malangizo ndi malingaliro omwe ali m'nkhaniyi, tulukani m'ngongole ndikuwonjezera ndalama zomwe mwasunga. Izo zikhoza kukhala zokwanira kukuthandizani pakali pano. Koma bwanji ngati zosayembekezereka zitachitika? Kodi mukonzekera izi?

Choncho ndikofunikira kusunga, kuika ndalama pambali pamasiku amvula. Mukafa, banja lanu silingamira kulipira maliro anu, ngongole ndi misonkho. Chabwino, tsopano kubwerera ku malo osangalatsa awo.

Nkhani yoti muwerenge: Zonse zomwe muyenera kudziwa zokhudza cheke cha banki

Ngati muli ndi ntchito imeneyo 9am-17pm, lankhulani ndi kampani yanu za kuwonjezera ndondomeko ya penshoni kapena fufuzani kuti muwone ngati muli ndi ndalama zochotserapo. Kuchotserako kumatengedwa kusanafike ku akaunti yanu, kuti musamve ngati mukuwononga ndalama. Ndipo ndizabwino kwambiri kuzifufuza nthawi ndi nthawi ndikuwona momwe ndalama zanu zikukula.

Poyika ndalama pambali pamasiku amvula ndi kupuma pantchito, simudzakhala ndi mwayi wobwerera komwe muli: kufuna ufulu wazachuma.

Powombetsa mkota…

ufulu wachuma zingakuthandizeni kuyang'anira ndalama zanu komanso, chofunika kwambiri, moyo wanu. Ndizokhudza kukhala ndi ndalama zomwe mungathe, kukhala wosunga pang'ono, ndikuwonetsetsa kuti ndalama zimagwiritsidwa ntchito pazinthu zomwe mukufunikira monga chakudya, pogona, ngakhale tchuthi (kupumula n'kofunikanso, mukudziwa).

Kutsatira malangizo aufulu wachuma ndi nkhaniyi, mudzapeza sitepe imodzi pafupi ndi ufulu wachuma womwe muyenera. Chifukwa chake yang'anani pazachuma chanu, pangani njira zowonjezera ndalama, lipirani ngongole zanu. Musanadziwe, mudzakhala mfulu.

Pazovuta zanu zonse, ndisiyirani ndemanga. Zikomo chifukwa chondikhulupirira.