Nanga amacebiso ali-14 okutyeba ngokukhawuleza

Indlela eya ekubeni sisityebi ayilula. Abantu abaninzi abafuna ukugqiba bathathe amacebo angalunganga, babangele ukuba bakhungatheke kwaye bangaphinde bazame.

Ukuba ngenene ufuna ukwazi ukuba ungenza njani ukuze ube sisityebi, okanye wandise ukonga kwakho kwaye utyebe kancinci, into yokuqala ekufuneka uyenzile kukuyeka ukujonga umvuzo wakho omiselweyo.

Abaninzi bayakhululeka kwimali abayifumana kumvuzo wabo, yaye bazama ukuyandisa ngokunikel’ ingqalelo ngokupheleleyo kucwangciso lwemisebenzi yabo. Esi simo sengqondo sichanekile kwaye sinoxanduva ukuba awunayo zenza ngathi usisityebi. Kodwa ukuba ufuna ukuba sisityebi, awuyi kuba nako ukukhetha ngaphandle kokuthatha amanye amacebo.

Isindululo esisisiseko onokuthi usisebenzise ukuze ube nemali eninzi kukudibanisa Umvuzo osebenzayo kunye nongenzi nto. Funda kwaye uqeqeshe ukuphucula yakho imfundo yezemali, ukuphepha iindleko zeembovane okanye ukubaleka amatyala zezinye iindlela onokuzisebenzisa ukuze ufikelele olu sukelo.

Makhe siye

Nanga amanye amacebiso okukunceda ube sisityebi

Kweli nqaku, ndidwelise iingcebiso ezili-14 zokukunceda ube sisityebi okanye unyuse ubutyebi bakho. Kodwa ngaphambi kokuba ndifike embilinini walo mbandela, ndingathanda ukukukhumbuza ukuba ukuze ube nguye kufuneka ulawule kakuhle imali yakho. Ukwenza oku, ndiyile uqeqesho lweprimiyamu oluya kukuvumela ukuba ulawule iimali zakho ngexesha elifutshane.

1. Yiba nombono weenjongo zakho kwaye uzifezekise

Mhlawumbi lolona lubalulekileyo kuba luphawula isiqalo sayo yonke into. Ukuba ufuna ukuba sisityebi kwaye uphumelele, kufuneka ucace gca malunga nento ofuna ukuba yiyo, into ofuna ukuyichitha, zithini iinjongo zakho… Kwaye okuninzi okufundayo akuyondalo nje.

Kufuneka ube nombono ikamva lakho kunye namanyathelo aya kukukhokelela khona. Kwaye thatha isigqibo kwaye uzingise.

2. Tyala imali kwimfundo yakho zemali

Andikwazi ukuthetha ngokwaneleyo kule blog, imfundo yezemali sisitshixo ubutyebi. Ngalo lonke ixesha uBill Gates ebuzwa lo mbuzo " Liliphi icebiso lakho elingcono lezezimali kumntu ofuna ukwenza i-$ 100 ngonyaka? », umseki weMicrosoft wayesoloko ephendula “Tyala kwimfundo yakho”.

Yenza yonke ingqiqo emhlabeni. Ukuba ufuna ukuba sisityebi ngaphandle kokuba nosapho olutyebileyo, kufuneka uhlakulele izakhono zolawulo nobunkokeli. Ngamanye amazwi, kufuneka uqale ufunde indlela esebenza ngayo imali. Kule nto, andilawulanga mzamo wokukufundisa ngemali kule bhlog ye financeddemain.com.

3. Iziphumo ezininzi, ukuqhayisa ngaphantsi

Bambi bakholelwa ukuba ukukwazi ukunyukela kwinqanaba leengcaphephe nasentlalweni kuxhomekeke ngakumbi kumayelenqe apho ubani abe nenxaxheba kuwo kunokuba abe nemiphumo yoko umntu anokuziphendulela ngako. Kwaye yimpazamo leyo.

Ukuba ufuna ukunyuka kweli nyathelo okanye ukufikelela kulo mthombo wengeniso, bonisa ukuba umsebenzi wakho ufanelekile, ukuba usebenza ngokufanelekileyo, ukuba unemveliso kwinto oyenzayo. Yinto yokuziphatha nokuzingca.

4. Zingqonge ngabantu onokufunda kubo

Ungasondela kwindawo yokujonga inethiwekhi, udale uthungelwano lwabafowunelwa abachwephesha onokuzuza kubo. Ukuzingqongileyo nabantu obathandayo kwaye unokufunda kukonga ixesha.

Akunjalo kuphela ngenxa yemeko yezoqoqosho (leyo imali ebizwa ngokuba yimali), kodwa kwakhona njengotyalo-mali kwixesha elizayo. Oku kusenokuthetha ukuba kufuneka uthethe nabantu abadala kunawe.

5. Yiba yinkosi kwezemali

Le yingcebiso esisiseko kungekuphela nje kwabo bafuna ubutyebi, kodwa kwinto elula njengokugcina. Ukuba ufuna ithamsanqa, kuya kufuneka ufunde indlela yokuyidala ngokufunda kakuhle imali yakho.

Sithetha ukuthini ngaloo nto? Lawula umvuzo wakho, iindleko zakho, ukukwazi kwakho ukugcina kunye nokutyala imali, emva koko ujonge apho imali ikhoyo. Zingqonge ngabaphathi abathembekileyo nabacebisi. Ngale nto ungaqhagamshelana nathi.

6. Gcina ukutyala imali

Omnye wemikhwa yokuqala abazali bethu abasifundisa yona, kunye ne-piggy bank, kukugcina. Esi sisitshixo sokufunda indlela yokulawula iimali zethu. Nangona kunjalo, iingcali zicebisa ukuba zihambe inyathelo elinye ngaphezulu: tyala oko kugciniweyo.

Yindlela yokujonga imithombo emitsha yengeniso, kwaye ukuba imingcipheko enokwenzeka iyakoyikisa, jika uye kwiarhente yezemali eya kuba yingalo yakho yasekunene. Finance de Demain kwakhona ukuvulela iingcango zayo kuwe. Nali ikhonkco elidibeneyo elikuvumela ukuba ukhuphele isikhokelo esikuvumela ukuba wenze ukubamba iimali zakho bubugcisa.

7. Gxininisa ekwandiseni umvuzo wakho

Ukuba sigxile kwizinto ezibonakalayo, iinjongo zexesha elifutshane, iingcebiso zeengcali kukunyusa umvuzo wethu. Kubonakala kucacile, akunjalo? Hayi kakhulu. Sikwenza njani oku?

Ukwandisa amandla ethu kunye nexesha lethu. Ngokomzekelo, ungacela ukunyuselwa okanye ucinge ngokufudukela kwindawo ehlawula kakhulu. Omnye umzekelo: fumana umsebenzi owongezelelweyo okanye ukuseta imithombo yengeniso yokwenziwa.

8. Fumana imithombo emininzi yemali eyinkunzi

Ngokunxulumene ngokuthe ngqo noku kungasentla: ukwandisa izakhono zakho kunye nexesha lakho kufuneka lenze izinto ngemithombo eyahlukeneyo yengeniso. ngokuvumelana Finance de Demain, uninzi lwabantu abanemivuzo ephezulu ubuncinane babathathu.

Singathetha ngayo njengababhatali abahlukeneyo (urhwebo olwahlukileyo, kuxhomekeke kwixesha lakho), irenti yezindlu, utyalo-mali lwemarike yemasheya okanye kwiinkampani ezininzi.

9. Zama ukuba ngumphathi wakho

Ngokuqinisekileyo uye wacinga, ngokukodwa unikeze iingcebiso zangaphambili, ukuba kunzima ukufezekisa injongo yokuba sisityebi kwi-30 ngokusebenzela omnye umntu. Iingcali kunye noosozigidi abaphumelele ngokuchanekileyo le nto uyifunayo banefuthe koku. Ngokufanelekileyo, kufuneka uziqeshe, uziqeshe okanye uziqalele elakho ishishini.

Yiba ngumphathi wakho, kwaye wenze izigqibo zemali ezifanelekileyo kuwe. Kule bhlog sizama ngendlela yethu ukukunceda ufumane ukuzimela kwakho ngokwasemalini. Nge Finance de Demain, unokuthi Bye bye kumphathi wakho.

10. Yiba nesimilo kwaye uzinze

Njengoko batshoyo kwi "Spider-Man," ngamandla amakhulu kuza uxanduva olukhulu. Yaye ukuba sisityebi kubandakanya uxanduva oluninzi, ngakumbi ukuba ungusomashishini ophumeleleyo okanye umntu osebenza ngokuzimeleyo.

Kufuneka uqiniseke (ukwazi ukuba ngubani onokuthi "ewe") kwaye uqeqeshe (inkqubo evumela ukuba unakekele yonke into kwaye ngexesha elifanayo ube nexesha lokunandipha oko uphumeleleyo). Phila ubomi obunempilo kwaye ufunde ukulawula uxinzelelo. Ngale ndlela, nasi isikhokelo esikuvumela ukuba wenze lawula uxinzelelo lwakho lwemali.

11. Yenza umkhwa wokulondoloza imali

Isenokuvakala ibubudenge kuwe, kodwa ukuba njengomntwana bakuthengele ikhreyithi eqhelekileyo kwaye bakukhuthaze ukuba ufake iingqekembe ezimbalwa ngeveki, namhlanje unokuba ngumsindisi wokwenene. Njengemikhwa emininzi elungileyo, ukonga nako kufundwa kwasebuntwaneni. Ngoko ke, ayisosidenge ukuba ulawulo loqoqosho luphakanyiswe kumaziko.

12 Phila ubomi obungcathu

Yinto efana nosomashishini Jeff Bezos ukusuka eAmazon. Sityekele ekucingeni ukuba ukuba sisityebi kuthetha ukulahla imali, kwaye akukho nto inokuba yinyaniso. Bayazi kakuhle. Kufuneka wazi apho ubeka khona imali: tyala imali kuhambo oluhle ukuba lukwenza wonwabe, kodwa qaphela iingenelo zokuzisika kwezinye izinto.

Ukuba ubingelela isidlo seveki, umzekelo, uya kuba ulondoloze kakhulu. Ngalo lonke ixesha khumbula ukulungelelanisa iindleko zakho. Ngokusisiseko yenza oku eluncedo kwaye hayi oko kumnandi.

Ukuba uneshishini, eli cebiso linokuba luncedo. Thatha uluhlu lweendleko zakho kwaye uphelise ezo zingazisi kakhulu.

13. Thelekisa phambi kokuba uthenge

Akuyomfuneko ukuba amadoda azizityebi kwesi sijikelezi-langa akuxelele ngenxa yokuba abazali bakho sele bekuxelele izihlandlo eziliwaka, ukuba banamakhadi kumatyathanga eevenkile ezinkulu ukuze bathenge eyona mveliso inexabiso eliphantsi kuyo nganye. Ngoko ayilobhunga loonobhiliyoni; yingqiqo elula kulawulo loqoqosho.

Xa ufuna ukutyala imali kwimveliso okanye kwinkonzo, yenza olwakho uphando lwemarike kuqala. Yenza uthelekiso phambi kokuthenga imveliso okanye inkonzo.

14. Wuthembe umbono wakho

Abanye bathi enye yezinto ezibalulekileyo ukuze ube sisityebi kukuba nomfanekiso-ngqondweni wakho usemncinane ngokungathi ubunjalo. Esi ayisosindululo sabathandabuzayo, kodwa kukuba uthembele eyakho intuition kwaye ujike iimpazamo zakho zibe yinzuzo entsha.

UMichael Bloomberg uthi ukuba wayengazange agxothwe kuSalomon Brothers, ngengazange aseke i-IMS eneminyaka engama-39 ubudala. Ukuba awunawo umbono, awuyi kukwazi ukuwufeza. Thembela ngamabhongo akho kwaye usete iinjongo zakho.

Nangona kunjalo, ukuba ufuna ukwakha ishishini lakho kwi-intanethi ngokukhawuleza, nali ikhonkco elidibeneyo elikunika zonke iimfihlo zeNjani. Yenza ishishini lakho kwi-Intanethi. Ukunyaniseka kuwe, sesi sikhokelo esindivumeleyo ukuba ndithathe amanyathelo am okuqala kwishishini le-intanethi.

Qhubeka unako. Sishiye zonke iinkxalabo zakho kwizimvo

enkosi ngethemba