Iindlela ezi-6 ezilula zokwakha ubutyebi ukusuka ekuqaleni

Ngaba ujonge iindlela zokwakha ubutyebi kwasekuqaleni? Kule nqaku, uya kufunda ngeendlela ezisetyenziswa yi-1% yabemi baseKenya ukuzityebisa ngobutyebi obuninzi.

Ezi zizicwangciso ezifanayo abantu abakumgangatho ophezulu kwamanye amazwe abafunga kwaye bewaxhasa ngamaxesha onke.

Ngokufanelekileyo, ukudala ubutyebi kuvakala njengento enzima kwaye ingafikeleleki.

Kwanaxa uziva ngathi igcinelwe kuphela abambalwa abakhethekileyo. Kodwa inyani kukuba, sonke sinomdla wokudala ubutyebi obungenamda nanini na sifuna.

Ewe, mhlawumbi awuzange ube nethamsanqa lokuzalwa unecephe legolide emlonyeni wakho, oko kuthetha ukuba xa ungaphangeli, awuyi kuba nantoni phantsi kwegama lakho.

Inyaniso kukuba, imeko iya kuhlala injalo ngaphandle kokuba wenze into. Kananjalo, kufuneka ndiqale ndincoma inkuthalo kunye nokuzimisela kwakho ukufunda okungakumbi malunga nokudalwa kobutyebi.

Andikwazi ukukuxelela ukuba bangaphi abantu abaye bancama kwaye banxunguphele kukuzisizela babuza 'kutheni mna.

Kodwa nantsi ke, ufunda yonke into onokuyenza ukutshintsha imeko yakho.

UBill Gates wayekhe wathi ukuba wazalwa ulihlwempu, yayingelilo ityala lakho. Kodwa ukuba uyafa ulihlwempu, iya kuba yimpazamo yakho leyo.

Enye into; Ngaba kunokwenzeka ukuba sisityebi ungabi sisityebi? Ngaba ukhona umahluko phakathi kokuba sisityebi nokuba sisityebi? Qhubeka ufunda ukuze ufumane.

Iindlela ezi-6 zokwakha ubutyebi kwasekuqaleni

• Lo ndolozo

Uyaqonda ukuba kuthetha ntoni ukonga; isenzo sokubeka bucala ipesenti yengeniso yakho ukuze uyisebenzise kamva.

Umzekelo:

Ukuba urhola ubuncinci i-100K ngenyanga, unokuthatha isigqibo sokubekela bucala i-30% yaloo ngeniso inyanga nenyanga. Oku kuthetha ukuba uza konga i-30K ngenyanga. 

Sebenzisa i-70K eseleyo ukuhlawula iindleko zakho.

Ngokufanelekileyo, ifomula yobutyebi ilula.

Ubutyebi = Ingeniso - Iindleko.

Oku kuthetha ukuba nantoni na eseleyo emva kokuhlawula onke amatyala, bubutyebi bakho.

Kangangoko ndifuna ukuba ukholelwe ukuba ilula, akunjalo. Kwaye nantsi isizathu...

Yabona, ayililo lonke inani eligciniweyo eliguqulela 'kubutyebi'. Xa ugcina, zama ukuqinisekisa ukuba imali egciniweyo iyakusebenzela.

Kukho iindidi ezimbini zabantu; uhlobo A ngabo bagcina baze bajike imali ibe bubutyebi, kwaye uhlobo B lubandakanya abo bagcina nje ngenxa. Imali ihleli nje ebhankini.

Nantsi into:

Injongo yokonga kukuguqula loo mali ibe bubutyebi.

Ngaphandle koko, uya kuba uchitha ixabiso, ngenxa yexabiso lentengo.

Kufuneka wenze ntoni endaweni yoko? Oku kusizisa kwindlela yethu elandelayo yokudala ubutyebi kwasekuqaleni.

• Utyalo

Utyalo-mali yinkqubo yokuzama ukuphinda-phinda imali yakho. Le yeyona ndlela # 1 yokudala ubutyebi kwasekuqaleni. Ngoba?

Ngenxa yokuba uguqula i-30K une-35K, ibe yi-50K, kwaye ngethemba lokuba yi-1M.

Kukho into ekufuneka uyazi malunga nokutyala imali; kufuneka ube nenkunzi. Le yingxowa-mali yembewu okanye imali oya kuyibeka ethubeni ulindele ukufumana ngaphezulu.

Kulapho imali yakho oyigcinileyo iza kusebenza khona.

Yabona, ukuba ubungasindisanga, amathuba ebengadlula ngempumlo yakho, kwaye ungabinakho ukwenza nantoni na. Ngoba? Kuba awukwazi ukutyala imali ngaphandle kwemali.

Ke, kufuneka utyalomali phi?

Umbuzo omhle.

Zimbini iintlobo zamathuba otyalo-mali:

1. Utyalomali olunobungozi – la ngamathuba anomngcipheko ophezulu wokuphulukana nenkunzi etyaliwe. Kodwa, imbuyekezo enokwenzeka iphezulu kakhulu, ndithetha 3X inkunzi yakho nangaphezulu. Umzekelo, iibhondi eziphezulu. Banokubonelela ngembuyekezo ephezulu kakhulu, kodwa umngcipheko wokulahlekelwa yinqununu nawo uphezulu. Omnye umzekelo urhwebo lwe-forex. Njengoko ithembisa imbuyekezo ephezulu, imingcipheko ebandakanyekayo inkulu, kwaye ke ayingobaqalayo.
2. Utyalomali olunomngcipheko ophantsi – kuquka namathuba aphantse aqinisekiswe ukubuyisela imali yakho. Kwiimeko ezininzi, amathuba anjalo athembisa imbuyekezo encinci. Umzekelo, izabelo zokuhlawula izabelo. Apha, uthenga izabelo zenkampani, kwaye baya kwabelana nawe ngeenzuzo zabo. Ukuba uwenza kakuhle umsebenzi wakho wasekhaya, kuya kufuneka ukwazi ukukhetha kuphela esona sitokhwe siqhuba kakuhle emarikeni.

Ke ngoko, kufuneka uvavanye ukunyamezela kwakho umngcipheko.

Ngaba uziva ngathi ungalandela amashishini anobungozi ngesithembiso sembuyekezo enkulu, okanye ungathanda ukulala ngoxolo kwaye ufumane i-ROI egcweleyo?

Umzekelo:

Ukuba ukwi-20s kunye ne-30s yokuqala, unokuqwalasela utyalo-mali olunobungozi. Isizathu kukuba akukho nto ingako oza kuphulukana nayo. Kwaye ukuba ulahlekile, unexesha elaneleyo lokubuyisela.

Kule minyaka, unokubeka imali yakho kwimarike ye-Forex, usilele indlela yakho kwiminyaka yokuqala ye-2, kwaye ubethe i-jackpot kwi-3 yakho^rd, okanye i-4^th unyaka. Njani? Kuba unexesha elaneleyo lokufunda kwiimpazamo zakho, ungazitshintsha izinto ngokukhawuleza.

Umntu ongaphaya kwama-50s akanakuthetha okufanayo. Kule minyaka yobudala, kuya kufuneka ujonge kumathuba angenabungozi kangako.

Ngaloo ndlela, awukwazi ukucebisa umntu oneminyaka engama-60 ukuba azame imarike ye-forex. Ewe, ngaphandle kokuba bebekwishishini ixesha elide, baye bafumana amava aneleyo.

Amathuba otyalo-mali

Nazi ezinye iindlela ezifanelekileyo zotyalo-mali zokuqwalaselwa

• Izindlu ezithengiswayo – cinga ngokubeka imali oyongileyo ukuba isebenze ngepropathi erentwayo. Ekuphela kwento ekufuneka uyenzile kukuthenga ipropathi, kwaye uyiqeshise ukuze ufumane umvuzo wakho njengoko ulindele ukuyithengisa xa imarike inyuka.
• Iimpahla ze-Crypto - Iimali zedijithali zinokubakho ukuphinda kabini imali yakho. Kwaye njengoko unokuthelekelela, ungaphulukana nongxowankulu ngokulula. Kuya kufuneka ke uzibandakanye kuphela kurhwebo lwe-crypto ukuba uyayiqonda into oyenzayo. Umzekelo: ngo-2009, uKristoffer wathenga i-Bitcoin eyi-26 yeedola, eyayingama-5,000 XNUMX bitcoin (ewe, kunjalo). Ngaba unokuqikelela ukuba kufanelekile ntoni ngoku?
• Beka ukonga kukhetho lotyalo-mali olukhuselekileyo njengebhondi, iidipozithi zebhanki kunye nokukhuseleka. Kwakhona, inzala iphantsi xa kuthelekiswa nemarike yemasheya kunye ne-crypto, kodwa ikomkhulu lakho likhuselekile.

Ndingacebisa ukuba uhlukanise utyalomali lwakho. Makhe ndichaze:

Endaweni yokukhetha icala elinye, unokuba kumacala omabini, ube yingozi kwaye ukhuseleke.

• Tyala imali ngokwakho

Oku kwahluke njani kwingongoma # 2 ngasentla?

Ewe, ukutyala imali ngokwakho kuthetha ukuzikhulisa ngokwemfundo. Oku kunokuthetha ukufumana isidanga, ukuya kwi-MBA, okanye ukufumana eso siqinisekiso.

Kutheni oku kubalulekile?

Xa kuziwa ekudaleni ubutyebi, kuya kufuneka uzuze ngakumbi uthathela ingqalelo ukuba uya kuthi ugcine imali eninzi. Ukuyalela ngakumbi kwikhondo lomsebenzi wakho, kuya kufuneka uzise ngakumbi etafileni.

Ngaloo ndlela ekuphela kwendlela yokufumana imali eninzi kukuba uxabiseke ngakumbi, kulapho imfundo ingena khona.

Umzekelo:

Ukuba ungumcebisi wezezimali, ungaya kwisiqinisekiso soMcwangcisi wezezimali.

Ukuba nayo ikwahlula kukhuphiswano, kwaye ikuxhobise ukuyalela amaxabiso aphezulu.

• Phuma ematyaleni

Owona mqobo mikhulu ekwakheni ubutyebi kwasekuqaleni unamatyala enzala ephezulu. Kusisikhubekiso ukuba ngaphandle kokuba ujongiwe, awuzukufezekisa iinjongo zakho zobutyebi.

Umzekelo:

Ezinye iimali-mboleko zemoto, iimali-mboleko zabafundi, kunye namakhadi okuthenga ngetyala awela kumatyala anenzala ephezulu. Ngamatyala anjalo, unikezela ngomvuzo wakho kungekho nto ibambekayo eyimbuyekezo, ngaphandle 'kwenzuzo' yokuba nento ekhawulezileyo kunokuba ukwazi ukuyifikelela.

Yintoni ekufuneka uyenze?

Yenza eyona ntlawulo iphantsi kuwo onke amatyala akho. Kwaye emva koko ulahle esona sixa sikhulu sishiyekileyo kumatyala anenzala ephezulu.

Kungekudala, uya kukhululeka kumatyala anjalo kwaye ngequbuliso unengeniso ethe kratya ezandleni zakho, wenza ntoni ngayo?

Ewe, endaweni yokuphucula indlela ophila ngayo, ukuthenga iimoto ezininzi, iTV entsha, okanye uphucule ifowuni yakho, cinga ngokutyala imali eyongezelelweyo.

Ukuphuma ematyaleni kukhupha ingeniso eyongezelelweyo, onokuthi uyifumanele amathuba afanelekileyo otyalo-mali.

Funda kwakhona: Iindlela ezili-15 ezilula zokufumana imali kwi-Intanethi e-Kenya ngo-2024

• Nciphisa iindleko

Ekuqaleni, sakhankanya ukuba ingeniso-inkcitho = ubutyebi. Ewe, ukuba ufuna ukwandisa ubutyebi, unciphisa iindleko okanye unyuse umvuzo.

Okwangoku, masibone indlela yokunciphisa iindleko.

Zibuze lo mbuzo; Ngaba uphila ngendlela yokuphila nomlomo? Ngaba uhlala uhlawula umvuzo? Ukuba ewe, ndineendaba ezimbi kunye neendaba ezimnandi

Iindaba ezimbi, awungekhe wakhe ubutyebi ngale ndlela yokuphila.

Iindaba ezimnandi, akukabi lixesha lokutshintsha.

Ndiyathetha, ufuna imoto? Ngaba ufuna i-55-intshi yesikrini seTV? Hayi, awufuni.

Ukuba unomdla wokwakha ubutyebi kwasekuqaleni, kuya kufuneka uchithe imali engaphantsi kunaleyo uyifumanayo. Ukwenza oko kukubeka kwicala elifanelekileyo, ngokubhekisele kwinkululeko yezemali.

Phicotha indlela ophila ngayo, zeziphi izinto onokuphila kamnandi ngaphandle kwazo? Baphelise bakhulule umvuzo ongaphezulu, emva koko uwabeke kutyalo-mali okanye usebenze kumatyala akho.

Kwiphepha elifanayo, ukuba ingeniso yakho iyenyuka, gcina iindleko zakho. Kukho le ndlela yokuziphatha, eyaziwa njenge Ukunyuka kwamaxabiso, egcina izinambuzane ngalo mzuzu unengeniso eyongezelelweyo ezandleni zakho.

Apha, uvumela inkcitho yakho ukuba inyuke kunye nomvuzo wakho. Kuyingozi kwaye kusebenza ngokuchasene nokwakha ubutyebi.

Umzekelo:

• Hambisa kwindlu encinci ukuze wonge iindleko zokurenta.
• Awudingi iimpahla ezinophawu.
• Endaweni yemoto entsha kraca, unokufumana esele isetyenzisiwe ngexabiso eliphantsi.
• Thatha ithuba lokuthenga izaphulelo, uyazi izinto ezinje ngamakhuphoni, izaphulelo, ngolwesiHlanu omnyama, njl.

Ukuba awukwazi ukunciphisa iindleko, unokunyusa umvuzo wakho. Njani? Bona indlela elandelayo yokwakha ubutyebi kwasekuqaleni.

• Imithombo emininzi yengeniso

Ukuba kukho into eyabelweyo esisityebi kwaye iyavumelana ngayo, inemithombo engaphezulu kwesinye yengeniso.

Umbono kukuba nemali eninzi ephumayo ngaphandle kokuphuma.

Apha kulapho umvuzo wakho uza phezu kweendleko, kwaye kuphela emva koko unokuqalisa ukwakha kunye nokuqokelela ubutyebi bokwenyani.

Cinga umzuzwana, ukuba uthembele kumthombo omnye wengeniso ukuze uzixhase, kwenzeka ntoni xa usoma ngequbuliso?

Isisombululo?

Musa ukulinda de ube ujongene nelitye kunye nendawo enzima ukuqala ukukhangela imijelo eyongezelelweyo yengeniso.

Kufuneka uqale ngoku. Nazi ezinye iimbono zokukwenza uphume emhlabeni:

• kubloga -Ungaqala ukubhloga kwaye ufumane imali kwicala ngentengiso, inkxaso-mali, kunye nentengiso ehambelana nayo. Ukuba awufuni ukuqala iwebhusayithi ukusuka ekuqaleni, unethamsanqa kuba kukho abantu abaliqela phaya abathengisa amashishini asebenza ngokupheleleyo kwi-Intanethi.
• Qala ishishini lesibini -Ukuba uqhuba ishishini ngoku, cinga ngokuqala okwesibini. Ngenxa yokuba amashishini anokuqhuba ngaphandle kokubandakanyeka kwakho, kuya kufuneka ulunge.
• Thatha iigigs ezizimeleyo - ukuba unomsebenzi wexesha elizeleyo, kuthetha ukuba unezakhono ezixabisekileyo ukuba umntu uzimisele ukuhlawula. Ngaloo ndlela, unokuthatha iiprojekthi ezisecaleni ukuze ufumane ingeniso eyongezelelweyo (ukuba nje zingangqubani nomsebenzi wakho, okanye usengozini yokugxothwa).
• Ivenkile ye-Intanethi -Ungavula ivenkile ekwi-Intanethi kwaye uthengise iimveliso ezihamba ngokukhawuleza ezinje ngezihlangu, iingxowa zamanenekazi, njl.

Kwakhona, xa sele unengeniso eyongezelelweyo engena ngaphakathi, xhathisa indlela yokuphila, kwaye endaweni yoko ugcine imali yokutyala.

• Sebenza nzima ngoku

Nantoni na oyenzayo ngoku, zinike zonke.

Ngaba ungumfundi?

Kulungile, zinike konke onako. Ndiyazi ngamanye amaxesha umsebenzi ubonakala ungenanto, mhlawumbi ukukhonza ikofu, ukukrazula amaphepha, kunye nokujikeleza iofisi.

Ndiyazi ngomhlobo owaqala ngolo hlobo akazange anikezele okanye awudelele umsebenzi wakhe. Qikelela ukuba kwenzeka ntoni ekugqibeleni?

Emva koqeqesho, wanikwa umsebenzi ngokusisigxina kule nkampani. Ngoba? Kuba indlela yakhe yokusebenza yayingathandabuzeki.

Kuyafana nakwabo banomsebenzi. Yenza ngokungathi ungumnini weshishini okanye uyi-CEO.

Inyaniso kukuba, kunzima kakhulu ukufumana amathuba amahle kule mihla, kodwa akunakwenzeka.

Kananjalo, qala ukusebenza nzima kwaye abantu abakungqongileyo baya kuqaphela. Ivula iingcango zamathuba.