Nawa amathiphu angu-14 wokuceba ngokushesha

Indlela yokuceba ayilula. Abantu abaningi abafuna ukugcina besebenzisa amasu angalungile, okubangela ukuba bakhungatheke futhi bangaphinde bazame.

Uma ufuna ngempela ukwazi ukuthi ungaceba kanjani, noma okungenani wandise ukonga kwakho futhi ucebe kancane, into yokuqala okudingeka uyenze ukuyeka ukubuka iholo lakho elingaguquki.

Abaningi banethezekile ngemali abayitholayo emalini yabo yokuhola, futhi bazama ukuyenyusa ngokugxila ngokuphelele ezimisweni zomsebenzi wabo. Lesi simo sengqondo silungile futhi sinesibopho uma ungenayo azenze ocebile. Kodwa uma ufuna ukuceba, ngeke ube nakwenza ngaphandle kokuthatha amanye amaqhinga.

Isincomo esiyisisekelo ongasisebenzisa ukuze ube nemali eningi ukuhlanganisa imali engenayo esebenzayo nengenzi lutho. Funda futhi uqeqeshe ukuthuthukisa yakho imfundo yezezimali, ukugwema izindleko zezintuthwane noma ukubalekela isikweletu ngezinye izindlela ongazisebenzisa ukuze ufinyelele lo mgomo.

Asihambe

Nawa amanye amathiphu angakusiza ucebe

Kulesi sihloko, ngibhale izeluleko eziyi-14 zokukusiza ukuthi ucebe noma wandise ingcebo yakho. Kepha ngaphambi kokufika emnyombweni wodaba, ngithanda ukukukhumbuza ukuthi ukuze ube ngomunye kufanele wazi kahle izimali zakho. Ukwenza lokhu, ngiklame ukuqeqeshwa kwe-premium okuzokuvumela ukuthi ulawule izimali zakho siqu ngesikhathi esifushane.

1. Bona ngeso lengqondo imigomo yakho futhi uyifinyelele

Mhlawumbe iyona ebaluleke kakhulu ngoba iphawula ukuqala kwakho konke. Uma ufuna ukuceba futhi uphumelele kufanele ucace kakhulu ngalokho ofuna ukuba yikho, lokho ofuna ukukusebenzisa, ukuthi iyini imigomo yakho… Futhi okuningi ongakufunda akukhona nje okungokwemvelo.

Kufanele ukwazi ukubona ngeso lengqondo ikusasa lakho kanye nezinyathelo ezizokuholela lapho. Futhi yiba nesinqumo futhi uphikelele.

2. Faka imali emfundweni yakho zezimali

Angikwazi ukusho okwanele kule bhulogi, imfundo yezezimali iyisihluthulelo somnotho. Ngaso sonke isikhathi uBill Gates ebuzwa lo mbuzo “ Isiphi iseluleko sakho esingcono kakhulu sezezimali somuntu ofuna ukwenza u-$100 ngonyaka? », umsunguli we-Microsoft wayehlale ephendula ngokuthi “Invest in your education”.

Yenza wonke umqondo emhlabeni. Uma ufuna ukuceba ngaphandle kokuba nomndeni ocebile, udinga ukuhlakulela amakhono okuphatha nobuholi. Ngamanye amazwi, kufanele uqale ufunde ukuthi imali isebenza kanjani. Ngenxa yalokhu, angiphathi umzamo wokukufundisa ngokwezimali kule bhulogi ye financeddemain.com.

3. Imiphumela eminingi, ukuqhosha okuncane

Abanye bakholelwa ukuthi ikhono lokukhuphuka izikhundla eziphakeme nezenhlalo lilele kakhulu emaqinisweni umuntu ahlanganyela kuwo kunasemiphumeleni umuntu angase aziphendulele ngayo. Futhi lokho kuyiphutha.

Uma ufuna ukukhuphuka lesi sinyathelo noma ukufinyelela kulo mthombo wemali engenayo, bonisa ukuthi umsebenzi wakho uwufanele, ukuthi uyasebenza, ukuthi uyakhiqiza kulokho okwenzayo. Kuyindaba yokuziphatha nokuzigqaja.

4. Zizungeze nabantu ongafunda kubo

Ungasondela ngombono wokuxhumana, udale inethiwekhi yoxhumana nabo abangochwepheshe ongazuza kukho. Ukuzizungeza nabantu obathandayo futhi ungafunda kukho kongela isikhathi.

Hhayi kuphela ngenxa yesici somnotho (okuyinto imali ebiza imali), kodwa futhi njengokutshalwa kwezimali esikhathini esizayo. Lokhu kungase kusho ukuthi kufanele ukhulume nabantu abadala kunawe.

5. Iba umpetha wezezimali

Lesi isincomo esiyisisekelo hhayi kuphela kulabo abafuna ukuceba, kodwa ngento elula njengokulondoloza. Uma ufuna inhlanhla, kufanele ufunde ukuthi ungayidala kanjani ngokuphatha kahle izimali zakho.

Siqonde ukuthini ngalokho? Lawula iholo lakho, izindleko zakho, ikhono lakho lokonga nokutshala imali, bese uthola ukuthi imali ikuphi. Zizungeze ngabaphathi nabeluleki abathembekile. Ngalokhu ungasithinta.

6. Yonga ukuze utshale imali

Omunye wemikhuba yokuqala abazali bethu abasifundisa yona, kanye ne-piggy bank, ukonga. Lona ukhiye wokufunda ukuphatha izimali zethu. Kodwa-ke, ochwepheshe bayeluleka ukuthi baqhubekele phambili: tshala lokho okulondoloziwe.

Kuyindlela yokubheka imithombo emisha yemali engenayo, futhi uma izingozi ezingaba khona zikwesabisa, phendukela kumenzeli wezezimali ozoba ingalo yakho yangakwesokudla. Finance de Demain iphinde ikuvulele iminyango yayo. Nasi isixhumanisi sobulungu esikuvumela ukuthi ulande umhlahlandlela okuvumela ukuthi wenze ukwazi kahle izimali zakho kuwubuciko.

7. Gxila ekwandiseni iholo lakho

Uma sigxila ezinhlosweni ezibonakalayo, zesikhashana esifushane, iseluleko sochwepheshe siwukwandisa imali yethu. Kubonakala kusobala, akunjalo? Hhayi kangako. Sikwenza kanjani lokhu?

Khulisa amakhono ethu nesikhathi sethu. Isibonelo, ungacela ukukhushulelwa imali noma ucabange ukuthuthela endaweni ekhokha kakhulu. Esinye isibonelo: thola umsebenzi owengeziwe noma usethe imithombo yemali engenayo.

8. Thola imithombo eminingi yemali

Okuhlobene ngqo nalokhu okungenhla: ukukhulisa amakhono akho kanye nesikhathi sakho kufanele sisebenze ngemithombo ehlukene yemali engenayo. ngokusho Finance de Demain, iningi labantu abaholayo okungenani linabathathu.

Singakhuluma ngakho njengabakhokhi abahlukene (ukuhweba okuhlukile, kuye ngesikhathi sakho), ukuqashwa kwezindlu, ukutshalwa kwezimali ezimakethe zamasheya noma ngaphakathi kwezinkampani ezimbalwa.

9. Zifunele ukuba umphathi wakho

Ngokuqinisekile ucabange, ikakhulukazi unikeze izincomo zangaphambilini, ukuthi kunzima ukufeza umgomo wokuceba ku-30 ​​ngokusebenzela omunye umuntu. Ochwepheshe nosozigidi abazuze ngokuqondile lokho okufunayo banethonya kulokhu. Okufanelekile, kufanele uzisebenze, uzisebenze noma uqale ibhizinisi lakho.

Yiba ngumphathi wakho, futhi wenze izinqumo zezezimali ezifanele wena. Kule bhulogi sizama ngendlela yethu ukukusiza ukuthi uphinde uzimele ngokwezimali. Nge Finance de Demain, ungase usho Bye bye kumphathi wakho.

10. Zikhuze futhi uqinise

Njengoba basho ku-"Spider-Man," ngamandla amakhulu kuza umthwalo omkhulu. Futhi ukuceba kuhilela izibopho eziningi, ikakhulukazi uma ungusomabhizinisi ophumelelayo noma i-freelancer.

Kufanele ugomele (wazi ukuthi ubani ozothi “yebo”) futhi uqondise (indlela evamile ekuvumela ukuba unakekele yonke into futhi ngesikhathi esifanayo ube nesikhathi sokujabulela lokho okunqobile). Phila impilo enempilo futhi ufunde ukulawula ukucindezeleka. Ngalo mqondo, nansi inkomba ekuvumela ukuthi wenze kanjalo lawula ukucindezeleka kwakho kwezezimali.

11. Kwenze umkhuba ukonga

Kungase kuzwakale kungenangqondo kuwe, kodwa uma useyingane bakuthengele ikhreyithi elivamile futhi bekukhuthaza ukuthi ufake izinhlamvu zemali ezimbalwa kulo ngesonto, namuhla ungaba umsindisi wangempela. Njengemikhuba eminingi emihle, ukonga nakho kufundwa kusukela ebuntwaneni. Ngakho-ke akusona isilima ukuthi ukuphathwa komnotho kukhushulwe ezikhungweni.

12. Phila impilo ehluzekile

Yinto osomabhizinisi abayithandayo Jeff Bezos kusuka e-Amazon. Sivame ukucabanga ukuthi ukuceba kusho ukulahla imali, futhi akukho lutho olungaba ngaphezu kweqiniso. Bayazi kahle. Kufanele wazi ukuthi ungayibeka kuphi imali: tshala ohambweni oluhle uma kukwenza ujabule, kodwa qaphela izinzuzo zokuzinqamula kwezinye izinto.

Uma udela isidlo sakusihlwa samasonto onke, isibonelo, uzobe ulondoloze okuningi. Khumbula njalo ukulungisa izindleko zakho. Ngokuyisisekelo yenza lokhu okuwusizo futhi cha okuyinto enhle.

Uma unebhizinisi, leli thiphu lingase libe usizo. Thatha uhlu lwezindleko zakho futhi ususe lezo ezingalethi okuningi.

13. Qhathanisa ngaphambi kokuthenga

Akudingekile ukuba amadoda acebe kakhulu emhlabeni akutshele ngoba abazali bakho sebekutshele izikhathi eziyinkulungwane, ukuthi banamakhadi emaketangeni ezitolo ezinkulu ukuze bathenge umkhiqizo oshibhe kakhulu endaweni ngayinye. Ngakho akuwona umkhandlu wezigidigidi; kuwumqondo olula ekuphathweni komnotho.

Uma ufuna ukutshala imali emkhiqizweni noma isevisi, yenza ucwaningo lwakho lwemakethe kuqala. Yenza iziqhathaniso ngaphambi kokuthenga umkhiqizo noma isevisi.

14. Themba umbono wakho

Abanye bathi esinye sezihluthulelo zokuceba ukuzibona ngeso lengqondo kusukela usemncane njengokungathi ubunjalo. Lesi akusona isincomo sabangabazayo, kodwa ukuthi wethemba eyakho intuition futhi uguqule amaphutha akho abe yinzuzo entsha.

UMichael Bloomberg uthi ukube akazange axoshwe kuSalomon Brothers, ubengeke asungule i-IMS eneminyaka engama-39. Uma ungenawo umbono, ngeke ukwazi ukuwufinyelela. Themba isifiso sakho futhi uzibekele imigomo yakho.

Kodwa-ke, uma ufuna ukwakha ibhizinisi lakho ku-inthanethi ngokushesha, nasi isixhumanisi esihlobene esikunikeza zonke izimfihlo zokuthi Kanjani Dala Ibhizinisi Lakho Ku-inthanethi. Ukuze ngibe qotho kuwe, yilo mhlahlandlela ongivumele ukuthi ngithathe izinyathelo zami zokuqala ebhizinisini eliku-inthanethi.

Qhubeka ungakwazi. Sishiye konke okukukhathazayo kumazwana

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