Nawa maupangiri 14 olemerera mwachangu

Njira yopezera chuma si yophweka. Anthu ambiri omwe akufuna kutha kutengera njira zolakwika, zomwe zimawapangitsa kukhumudwa osayesanso.

Ngati mukufunadi kudziwa momwe mungalemere, kapena kuwonjezera ndalama zomwe mumasunga ndikulemera pang'ono, chinthu choyamba muyenera kuchita ndikusiya kuyang'ana malipiro anu okhazikika.

Ambiri amakhala omasuka ndi ndalama zomwe amalandira kuchokera ku malipiro awo, ndipo amayesa kuziwonjezera mwa kuyang'ana kotheratu pazochitika za ntchito yawo. Maganizo amenewa ndi olondola komanso odalirika ngati mulibe yerekeza kukhala wolemera. Koma ngati mukufuna kulemera, simungachitire mwina koma kutengera njira zina.

Lingaliro lofunikira lomwe mungagwiritse ntchito kuti mukhale ndi ndalama zambiri ndikuphatikiza ndalama zogwira ntchito komanso zopanda pake. Phunzirani komanso phunzitsani kukonza zanu maphunziro azachuma, kupeŵa ndalama za nyerere kapena kuthawa ngongole ndi njira zina zomwe mungapezere kuti mukwaniritse cholinga chimenechi.

Tiyeni

Nawa malangizo okuthandizani kuti mukhale olemera

M'nkhaniyi, ndalemba nsonga za 14 zokuthandizani kukhala olemera kapena kuwonjezera chuma chanu. Koma ndisanafike pamtima pankhaniyi, ndikufuna ndikukumbutseni kuti kuti mukhale mmodzi muyenera kudziwa bwino ndalama zanu. Kuti muchite izi, ndapanga maphunziro apamwamba omwe angakuthandizeni kuti muzitha kuyang'anira ndalama zanu pakanthawi kochepa.

1. Onani m'maganizo mwanu zolinga zanu ndi kuzikwaniritsa

Mwina ndiye wofunika kwambiri chifukwa umakhala chiyambi cha chilichonse. Ngati mukufuna kulemera ndi kuchita bwino, muyenera kumveketsa bwino zomwe mukufuna kukhala, zomwe mukufuna kugwiritsa ntchito, zolinga zanu… Ndipo zambiri zomwe mungaphunzire sizongochitika mwachilengedwe.

Muyenera kukhala wokhoza kuwonetsera tsogolo lanu ndi masitepe amene adzakutsogolerani kumeneko. Ndipo khalani wotsimikiza ndi wolimbikira.

2. Gwiritsani ntchito maphunziro anu ndalama

Sindinganene mokwanira pabulogu iyi, maphunziro azachuma ndiye chinsinsi chachuma. Nthawi zonse Bill Gates amafunsidwa funso ili " Kodi upangiri wanu wabwino kwambiri wazachuma ndi uti kwa munthu amene akufuna kupanga $100 pachaka? », woyambitsa Microsoft nthawi zonse ankayankha "Ikani mu maphunziro anu".

Zimapanga nzeru zonse mu dziko. Ngati mukufuna kukhala wolemera popanda kukhala ndi banja lolemera, muyenera kukulitsa luso la kasamalidwe ndi utsogoleri. Mwanjira ina, muyenera kuphunzira kaye momwe ndalama zimagwirira ntchito. Pachifukwa ichi, sindingathe kukuphunzitsani ndalama pa blog iyi financeddemain.com.

3. Zotsatira zambiri, kudzitamandira pang'ono

Ena amakhulupirira kuti kukhoza kukwera pamwamba pa ukatswiri ndi chikhalidwe cha anthu kwagona kwambiri m’machenjerero amene munthu amatengamo mbali m’malo mwa zotulukapo zimene munthu angadziŵerengere mlandu. Ndipo ndiko kulakwitsa.

Ngati mukufuna kukwera sitepe iyi kapena kufika gwero la ndalama izi, sonyezani kuti ntchito yanu ndiyofunika, kuti ndinu aluso, kuti ndinu opindulitsa pa zomwe mumachita. Ndi nkhani ya makhalidwe ndi kunyada.

4. Khalani ndi anthu omwe mungaphunzire kwa iwo

Mutha kuyandikira kuchokera pamawonedwe apa intaneti, ndikupanga maukonde olumikizana ndi akatswiri omwe mungapindule nawo. Kudzizungulira nokha ndi anthu omwe mumawasirira ndipo mutha kuphunzira kuchokera kumakupulumutsirani nthawi.

Osati kokha chifukwa cha chinthu chachuma (chomwe ndalama zimatcha ndalama), komanso monga ndalama zamtsogolo. Izi zikhoza kutanthauza kuti muyenera kulankhula ndi anthu akuluakulu kuposa inu.

5. Khalani katswiri wazachuma

Ili ndi lingaliro lofunikira osati kwa iwo omwe akufuna kulemera, koma chinthu chosavuta monga kupulumutsa. Ngati mukufuna mwayi, muyenera kuphunzira momwe mungapangire poyambira bwino ndalama zanu.

Kodi tikutanthauza chiyani pamenepa? Sinthani ndalama zomwe mumapeza, zomwe mumawononga, kuthekera kwanu kosunga ndi kuyikapo ndalama, kenako pezani komwe kuli ndalama. Dzizungulireni ndi oyang'anira odalirika komanso alangizi. Pachifukwa ichi mutha kulumikizana nafe.

6. Sungani ndalama

Chimodzi mwazochita zoyamba zomwe makolo athu amatiphunzitsa, pamodzi ndi banki ya nkhumba, ndikusunga. Uwu ndiye mfungulo yophunzirira momwe tingayendetsere chuma chathu. Komabe, akatswiri amalangiza kuti apite patsogolo: gulitsani zomwe zasungidwa.

Ndi njira yopezera magwero atsopano a ndalama, ndipo ngati zoopsa zomwe zingatheke zikuwopsya, tembenukirani kwa wothandizira zachuma yemwe adzakhala dzanja lanu lamanja. Finance de Demain ndikutseguliranso zitseko zake. Nawu ulalo wothandizana nawo womwe umakupatsani mwayi wotsitsa kalozera womwe umakupatsani mwayi wopanga Kudziwa bwino ndalama zanu ndi luso.

7. Muziganizira kwambiri za kuonjezera ndalama zimene mumapeza

Ngati tiyang'ana pa zolinga zowoneka bwino, zazing'ono, uphungu wa akatswiri ndikuwonjezera ndalama zathu. Zikuwoneka zoonekeratu, chabwino? Osati kwambiri. Kodi timachita bwanji izi?

Kukulitsa luso lathu ndi nthawi yathu. Mwachitsanzo, mukhoza kupempha kuti mukwezedwe kapena kuganizira zosamukira kumalo olipira kwambiri. Chitsanzo china: pezani ntchito yowonjezera kapena kukhazikitsa magwero a ndalama chabe.

8. Pezani magwero angapo a ndalama

Zogwirizana mwachindunji ndi zomwe tafotokozazi: kukulitsa luso lanu komanso nthawi yanu iyenera kuchitika kudzera munjira zosiyanasiyana zopezera ndalama. malinga ndi Finance de Demain, anthu ambiri omwe amapeza ndalama zambiri amakhala ndi osachepera atatu.

Titha kulankhula za izi monga olipira osiyanasiyana (malonda osiyanasiyana, kutengera nthawi yanu), kubwereketsa nyumba, kugulitsa masheya kapena m'makampani angapo.

9. Fufuzani kukhala bwana wanu

Ndithudi inu munaganiza, makamaka anapatsidwa malangizo akale, kuti n'zovuta kukwaniritsa cholinga kukhala wolemera pa 30 ntchito munthu wina. Akatswiri ndi mamilionea omwe akwaniritsa ndendende zomwe mukuyang'ana akhudze izi. Moyenera, muyenera kukhala odzilemba ntchito, odzilemba okha kapena kuyambitsa bizinesi yanu.

Khalani bwana wanu, ndipo pangani zisankho zachuma zomwe zili zoyenera kwa inu. Pabulogu iyi timayesetsa mwanjira yathu kuti tipezenso ufulu wanu wazachuma. Ndi Finance de Demain, munganene Bye bye kwa bwana wanu.

10. Khala wodzisunga ndi wolimbikira

Monga ananenera mu "Spider-Man," ndi mphamvu zazikulu amabwera udindo waukulu. Ndipo kukhala wolemera kumaphatikizapo maudindo ambiri, makamaka ngati ndinu wazamalonda wopambana kapena freelancer.

Muyenera kukhala otsimikiza (kudziwa yemwe anganene kuti "inde") ndi kulangizidwa (chizoloŵezi chomwe chimakulolani kuti musamalire chirichonse ndipo panthawi imodzimodziyo mukhale ndi nthawi yosangalala ndi zomwe mwapambana). Khalani ndi moyo wathanzi komanso phunzirani kuthana ndi nkhawa. M'lingaliro ili, apa pali chitsogozo chomwe chimakulolani kutero samalira kupsinjika kwanu kwachuma.

11. Khalani ndi chizolowezi chosunga ndalama

Zingamveke zopusa kwa inu, koma ngati muli mwana adakugulirani bokosilo ndikukulimbikitsani kuyika ndalama zingapo pa sabata, lero mutha kukhala wopulumutsa weniweni. Mofanana ndi zizolowezi zambiri zabwino, kusunga ndalama kumaphunziridwanso kuyambira paubwana. Chifukwa chake, sizopusa kuti kasamalidwe kachuma kakwezedwa m'masukulu.

12. Khalani moyo wodzisunga

Ndi zomwe amalonda amakonda Jeff Bezos kuchokera ku Amazon. Timakonda kuganiza kuti kukhala wolemera kumatanthauza kutaya ndalama, ndipo palibe chomwe chingakhale choposa choonadi. Amachidziwa bwino. Muyenera kudziwa komwe mungayike ndalamazo: ikani ndalama paulendo wabwino ngati zimakusangalatsani, koma dziwani ubwino wodzipatula kuzinthu zina.

Ngati mupereka chakudya chamadzulo mlungu uliwonse, mwachitsanzo, mudzakhala mutasunga zambiri. Nthawi zonse kumbukirani kulinganiza ndalama zanu. Kwenikweni chitani izi zomwe zili zothandiza ndipo osati zomwe ndi zabwino.

Ngati muli ndi bizinesi, malangizowa angakhale othandiza. Yang'anirani zomwe mwawononga ndikuchotsa zomwe sizibweretsa zambiri.

13. Fananizani musanagule

Sikoyenera kuti amuna olemera kwambiri padziko lapansi akuuzeni chifukwa makolo anu akuuzani kale kambirimbiri, kuti ali ndi makadi m'maketani osiyanasiyana a sitolo kuti agule chinthu chotsika mtengo kwambiri pa chilichonse . Kotero si bungwe la mabiliyoni; ndi lingaliro losavuta pakuwongolera chuma.

Mukafuna kugulitsa malonda kapena ntchito, chitani kafukufuku wanu wamsika kaye. Yerekezerani musanagule malonda kapena ntchito.

14. Khulupirirani masomphenya anu

Ena amati mfungulo imodzi yopezera chuma ndiyo kudziwonera nokha kuyambira muli wamng’ono ngati kuti muli. Awa siupangiri wa okayikira, koma ndikuti mumadalira malingaliro anu ndikusintha zolakwa zanu kukhala mwayi watsopano.

Michael Bloomberg akuti akadapanda kuchotsedwa ntchito ku Salomon Brothers, sakadayambitsa IMS ali ndi zaka 39. Ngati mulibe masomphenya, simungathe kuwakwaniritsa. Khulupirirani zokhumba zanu ndikukhazikitsa zolinga zanu.

Komabe, ngati mukufuna kupanga bizinesi yanu pa intaneti posachedwa, nayi ulalo wothandizana nawo womwe umakupatsani zinsinsi zonse za Momwe Pangani Bizinesi Yanu Pa intaneti. Kuti ndikhale woona mtima kwa inu, ndi kalozera uyu yemwe adandilola kuti ndiyambe kuchita bizinesi yapaintaneti.

Pitirizani mungathe. Tisiyeni nkhawa zanu zonse mu ndemanga

zikomo chifukwa chokhulupirira