Yimalini edingekayo enjabulweni - izinombolo namaqiniso
Abantu abaningi abanonembeza bayazibuza: Umuntu udinga malini ukuze ajabule futhi kuthatha malini ukujabula eRussia? Empeleni, ngokuzama ukuthola impendulo kuyo, abantu abafundile ngokwezimali bafunda ukuzibekela izinhloso futhi bazifeze.
Ngendlela, ubonile ukuthi idola selivele lingakanani? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
❕ Noma kunjalo, kubalulekile ukukhumbula: ukoma ngokweqile kwengcebo kungenza umuntu ngeke ajabule... Ngakho-ke, kubalulekile ukuthi uqaphele ukuthi injabulo ilinganiswa kanjani nokuthi ingakanani imali eyanele ukwaneliseka ngempilo yakho.
Mayelana nokuthi ingakanani imali edingekayo enjabulweni nokuthi injabulo yomuntu incike kuphi ngokujwayelekile - funda kule ndaba
1. Ingcebo ngenxa yengcebo 💰
Ngeshwa kubantu abaningi banamuhla imali ziyinani eliyinhloko empilweni. Benza yonke imizamo yokuqongelela abaningi ngangokunokwenzeka. Kodwa-ke, abantu abanjalo abacabangi bazojabula ngayo.
Uma umgomo womuntu uwukuthi ingcebo ngenxa yengcebo, nakanjani, ayikho imali ezokwanela ukuthi ajabule. Ezezimali ngeke zithathwe njengenjabulo yangempela. Eqinisweni, imali iyithuluzi elikusiza ukuthi uthole okufunayo. Uma umuntu ebeka umgomo othile, kuba lula ngaye ukuqonda ukuthi uzodinga imali engakanani ukuze ajabule.
Ukuze uthole ukwaneliseka ngezezimali, udinga kuqala ukuqeda isimilo esiqoqekayo... Ukuqongelela nje ingcebo cishe akusizi ngalutho.
💡 Imali izoletha injabulo kuphela uma itshaliwe futhi isetshenziselwe ukufeza izifiso. Sincoma futhi ukuthi sifunde i-athikili yethu - "Ungonga kanjani futhi wonge imali."
Ekugcineni, kuya ngokuthi imali izosetshenziswa kanjani ukuthi umuntu uzokwazi yini ukujabula.
2. Ukomela ukusetshenziswa 💳
Namuhla, akukhona konke ukuthenga komuntu okwaziyo ukumlethela izinzuzo ezingokoqobo. Akuyona yonke into etholakalayo esetshenziswayo empilweni. Izinto eziningi zimane zingcolise izingubo zokugqoka ezingenakubalwa. Kubukeka sengathi ukomela okungenangqondo kokusetshenziswa... Abantu abaningi ngokungenangqondo bafeza zonke izifiso zabo. Ngasikhathi sinye, abazami nokuzama ukuqonda ukuthi badinga kangakanani.
Ngasikhathi sinye, emashumini ambalwa eminyaka adlule, isimo sengqondo ngemali sasihluke ngokuphelele. Kwakungeyona into ngaphandle kwayo eyayingenakwenzeka ukufeza injabulo. Abantu babezizwa benethezekile impela, noma ngabe umholo abawutholayo ubanele kuphela ngezidingo ezingenalutho.
Ngeminye imininingwane ngomlando, imisebenzi nezinhlobo zemali, funda i-athikili yethu yokugcina - "Iyini imali".
Emphakathini wanamuhla, ukubuka komhlaba sekushintshe ngokuphelele. Abenzi nabathengisi bezimpahla ezahlukahlukene bazama ngazo zonke izindlela ukuvusa intshisekelo yabathengi ekusetshenzisweni okuqhubekayo. Baheha amakhasimende ukukhangisa, ukupakisha okuhle, kanye nazo zonke izinhlobo imikhankaso yezokumaketha.
3. Ngabe inani lemali elikhona lithinta umuzwa wenjabulo?
Umbuzo wokuthi injabulo yomuntu incike kangakanani enanini lemali analo ayibuzwa kuphela yizakhamizi ezijwayelekile, kepha nangososayensi.
Umhloli ogama lakhe ngu Tang, kwenziwa ucwaningo. Inhloso yakhe kwakuwukuqonda abantu bahlobana kanjani nemali.
Ekugcineni wathola ukuthi abantu abacebile abajabuli ngoba banemali eningi. Bathola injabulo ekuziphatheni ngenqubo yokuthola inhlalakahle yezezimali. Ngasikhathi sinye, labo abanemali eyanele yokuhlinzekwa okuncane kwezidingo zabo bafuna ukuceba kuphela ukuze bazuze induduzo futhi ukuphepha... Funda kabanzi mayelana nokuthi ungaceba kanjani futhi uphumelele ku-athikili.
Tang wabona ukuthi ubudlelwane obuqondile phakathi kwenjabulo nenani lezinsizakusebenza zezezimali engekho... Lapho kwenziwa ucwaningo, kwacaca ukuthi injabulo yabantu incike kwinani elikhulu lezinto. Okusemqoka kwethulwe etafuleni elingezansi.
Ithebula: "Amaphesenti wezinto ezahlukahlukene zenjabulo yomuntu"
| Isici | Amaphesenti wabaphenduli abakubona kubalulekile ukuthola injabulo |
| Ukuzilibazisa, ukuzilibazisa nobuciko | 44 % |
| Izihlobo | 41 % |
| Izinga eliphezulu lempilo | 39 % |
| Umsebenzi uhlobene nokuzilibazisa | 37 % |
| Abangane | 35 % |
| Ukuthandana | 34 % |
| Ezempilo | 25 % |
Kepha ungacabangi ukuthi ukungabikho kobudlelwano obuqondile phakathi kwemali nenjabulo kusho ukuthi imizwa yomuntu ayincikile enhlalakahleni yezimali.
4. Kungani umuntu ekwazisa kakhulu inhlalakahle yezezimali 💸?
Ezimweni eziningi, abantu balwela ukwenza imali ngangokunokwenzeka, ngoba banezinye izidingo ezihlala zinganakiwe. Eqinisweni, izimo zengqondo ngengcebo yezezimali zikhula zisencane. Labo abaphoqeleka ukuba baphile ngobumpofu ebuntwaneni, lapho sebekhulile, bancike kakhulu emalini.
Okokuqala, umbono wabantu ngenhlalakahle yezezimali uthonywe:
- umbono wabazali;
- isifiso sokuba ngcono kunabanye, okuvela embangweni ophakathi kwabantu abacebile nabampofu;
- imibono yezwe yokuziphatha kanye neyenkolo.
Kukhona iphethini ethile: ukukhuphuka kwezinga lokungeneliseki kwakhe ↑, kulapho ↑ umuntu eyinaka imali. Kodwa-ke, njengoba sebethole inani ebelifunwa, abantu abanjalo bavame ukudumala.
Isifiso sokuba nemithombo yezimali ngaphandle kwenhloso ethile kuwuphawu lwezinkinga eziningi. Kungakho ukuze uzuze umuzwa wenjabulo, kuzofanele uqale uziqonde futhi uxazulule izinkinga ezikhona.
Ezimweni eziningi, isifiso esingeqile somcebo sichazwa yizifiso ezilandelayo:
- ukuthola ukuzimela nokuzethemba;
- ukuthola uthando nokunakekelwa;
- umuzwa wokulondeka;
- ukufinyelela emandleni.
5. Ungayifinyelela kanjani injabulo ngokushintsha isimo sakho sengqondo ngemali 📑
Ukuqaphela imali, umuntu akasoze ajabula. Yingakho, ukuze uzizwe wanelisekile, kufanele uqale ushintshe ukucabanga kwakho. Lokhu kuzokusiza ukufeza ukuvumelana kokubili nawe kanye nomhlaba wangaphandle.
Kepha kubalulekile ukunaka kakhulu isici senhlalo. Ngamanye amagama, awukwazi ukukopisha ngokuphelele ukuziphatha kwabanye abantu, futhi nangaphezulu, cabanga njengabo. Wonke umuntu ubona injabulo yakhe ngendlela yakhe. Enkambweni yokulwela ingcebo, kukhona amathuba okuthi izinto ezibaluleke kakhulu ngeke ziziqaphele.
Vele, abaningi bazophikisana, bethi: ngaphandle kwemali, akunakwenzeka ukuthi uphile. Vele kuliqiniso, kepha kufanele kukhunjulwe ini izimali aziyona injabulo, ziyindlela nje yokukufeza.
6. Luthini ucwaningo ngenani lemali edingekayo ukuze sijabule 📈
Umuntu uhlala ezama ukukala izinga lenjabulo yakhe, eyihlobanisa nenani lezinsizakusebenza zezezimali. Ososayensi nabo banentshisekelo kulolu daba. Kodwa-ke, abaphikisi kusukela ekuqaleni, kepha zama ukusebenza ngamaqiniso. Yingakho inani elikhulu locwaningo lwesimanje lunikezelwe embuzweni: yimalini umuntu ayidingayo ukuze ajabule.
Phakathi kwezifundo zakamuva, umuntu angagqamisa lokho okwenziwe yisiza Superjob... Lo mthombo wenzelwe ukuseshwa kwemisebenzi. Inhloso yocwaningo bekuwukuqonda ukuthi abantu uqobo lwabo bacabanga ukuthi badinga imali engakanani.
Ucwaningo lubandakanyekile 2 500 abantu abahlala ezifundeni ezahlukahlukene zaseRussia. Ngenxa yalokhu, isilinganiso semali engenayo izakhamuzi ezibheka njengeyenele sasikhona Ama-ruble ayi-184,000... Ngaphezu kwalokho, okokugcina 2 inkomba ikhule ↑ ngo 9 000 ama-ruble.
Ngasikhathi sinye, inani lemali elidingekayo enjabulweni ezifundeni ezahlukahlukene lehluka kakhulu. Ngakho-ke, eMoscow, inani selicishe 20, naseSt. Petersburg - cishe 30 inkulungwane ngaphezu kwesilinganiso.
Ucwaningo lukhombisile ukuthi abahlali bamadolobha amakhulu badinga imali ethe xaxa yokweneliseka ngokokuziphatha. Lokhu kudalwa ukuthi emadolobheni amakhulu izindleko zezindlu ziphakeme ↑, kanti namathuba abanzi.
- Ngokuqondene nobumpofu, ababambiqhaza bocwaningo bachaza imingcele yabo ezingeni Ama-ruble ayi-20 000 ngenyanga.
- Iningi labantu libheka abantu abacebile njengalabo abemukelwayo ngaphezu kuka-400,000 njalo ngenyanga.
Ngesikhathi kwenziwa ucwaningo, kwacaca futhi ukuthi ezinye izinto, ngaphezu kwendawo yokuhlala, zithinta inani lemali elidingekayo enjabulweni:
- Phansi. Ngokuvamile indoda idinga imali ↑ eningi kunabesifazane. Umehluko ungaba mkhulu impela futhi ufinyelele 40 000 ama-ruble.
- Ubudala. Okwabantu abasha, ngenjabulo, inani elingaphakathi 150 000 ama-ruble ngenyanga... Isizukulwane esidala sidinga imali eningi kakhulu. Okwalabo abadala kuno 45 iminyaka, udinga okungenani 190 000 ama-ruble.
- Inani leholo. Kuyamangaza ukuthi uma engenayo ↓ imali engena nyangazonke yomuntu, ingaphansi ↓ edinga imali ukuze azizwe ejabule.
Kunengqondo ukuthi njengoba izinga lemali engenayo yenyanga lenyuka, izidingo zomuntu ziyakhula. Lokhu kuphakamisa umbuzo: kungenzeka yini ukubiza inani elithile eliphakeme umuntu alidingayo ukuze ajabule.
7. Inani lemali = usayizi wenjabulo?
Phakathi kwabantu abacebe kakhulu nabanethonya elikhulu emhlabeni kukhona UNelson Rockefeller... Kuyathakazelisa ukuthi lapho isimo sakhe sesiseduze $ 3 billion, wabamba iqhaza kwinhlolokhono. Lapho ebuzwa ukuthi yimalini ayidingayo ukuze ajabule ngokuphelele, uRockefeller waphendula leyo ngokwanele 4 isigidigidi.
Amaqiniso angenhla avela ku-biography ye-billionaire enza sikwazi ukuqonda: kune okuningi ↑ isimo sezimali, ngakho okuningi ↑ Ngisafuna imali.
Noma kunjalo, ungakhohlwa ukuthi ngokwanda kwemali engenayo inciphisa inani lesikhathi samahhala, futhi empeleni Izinga lokuzibophezela liyakhula. Imvamisa imiphumela yalokhu yile ukucindezeleka nokudangala.
Ngenxa yalokho, akuwona wonke umuntu ongajabula ngengcebo. Ngakho-ke, ochwepheshe bancoma ukuzibandakanya ekubekeni imigomo. Kubalulekile ukuthi afane namandla athile.
Kodwa-ke, inani lemali oyifunayo likhula njalo, hhayi kuphela ngenxa yokuhaha. Izici eziningi zinganciphisa izindleko zemali noma ziholele ekulahlekelweni kwayo ngokuphelele. Okuyinhloko yikho ukwehla kwamandla emali futhi izinkinga zomnotho... Zonke lezi zizathu ziholela eqinisweni lokuthi abantu abaningi bayenqaba ukonga futhi bafuna ukusebenzisa imali eningi ngangokunokwenzeka.
8.unxantathu wegolide wokuthola injabulo ✅
Kuze kube manje, kudalwe inqwaba yemibono yokuthi ungayithola kanjani injabulo. Kudalwe okukodwa okudume kakhulu URobert Cumminsngihlala e-Australia. Wabiza ifomula lakhe lenjabulo unxantathu wegolide.
Izinhlangothi zesibalo yilezi:
- uthando;
- ukubamba iqhaza empilweni yomphakathi;
- inani lemali engenayo.
Cummins ukholelwa ukuthi umuntu uyajabula lapho esekwazi ukufeza inani lenzalo kuye. Umbono awubeki mali phambili. Ziyisembozo esithembekile kuphela. Injabulo isekelwe othandweni nasemisebenzini yomphakathi.
Noma kunjalo, ngokungabikho 2- lezi zinto ezimbili ezibangela injabulo, imithombo yezimali ingahle ize kuqala. Ngenxa yalokho, lapho ethola izinga elifunekayo lemali engenayo, umuntu wenza sengathi ujabule ngokuphelele.
9. Ungayiqonda kanjani imali yokuthi umuntu othize udinga ukujabula malini
Uma umuntu enesifiso sokuzuza inani elithile elizomvumela ukuba ajabule, isinyathelo sokuqala ukuhlaziya izidingo zakhe. Kulokhu, kungasethwa eyodwa yemisebenzi emibili:
- Finyelela ezingeni elithile lemali engenayo yenyanga. Umsebenzi onjalo ulungele labo abadinga ukuqinisekisa impilo ehloniphekile okwamanje. Lapho kubalwa izinga lemali edingekayo, kufanele ucabangele izindleko eziyimpoqo okokudla, izinsiza, okokugqoka kanye namaholide. Othile angafaka ngokungeziwe ukuzijabulisa noma ezemidlalo kuleli nani. Kunoma ikuphi, kufanele uchaze ngokuningiliziwe zonke izifiso zakho bese ukhombisa inani elidingekayo ukuze uzisebenzise.
- Buthelela inani elithile. Lapha umuntu kufanele aqhubeke kusuka kulokho ukuqongelela okudingekayo. Uma imali idingeka ekuthengeni okukhulu, inani lelo lizonqunywa ngenani lalo.
Ngale ndlela, ungajabula noma ngabe unenani eliphansi lemali. Umthombo oyinhloko wenjabulo ngabathandekayo, kanye nokuzwana ngokwakho.
Sincoma futhi ukubuka ividiyo:
Siyethemba ukuthi sikwazile ukuphendula lo mbuzo - udinga malini umuntu ukuze ajabule ngokuphelele.
Uma usenemibuzo, babuze kumazwana angezansi. Kuze kube ngokuzayo emakhasini kamagazini weRichPro.ru!