Ukugcina yenye yeefayile ze- eyona njongo idumileyo U-Eva woNyaka omtsha, kodwa unzima kwiimeko ezithile. Ngoku ukuba amaxabiso anyuke kakhulu, akunzima ngakumbi kodwa kuyimfuneko ngakumbi, yiyo loo nto sicinge ukuba kuya kuba nomdla ukuthetha nawe malunga. indlela Harv Eker, indlela enokukunceda ukuphatha kakuhle imali yakho.
Harv Eker usemva enye Ezona ncwadi zithengisa kakhulu: Iimfihlo zengqondo ye-millionaire. Lo sozigidi uphulukene nento yonke kuba engayazi indlela yokuphatha imali kakuhle, ucebisa icebo elilula lokwahlula umvuzo wethu size songe. Fumanisa!
Ithini indlela?
Indlela kaHarv Eker isekwe kwisindululo esilula kakhulu: yahlula umvuzo ube ngamacandelo amathandathu ngeenjongo ezithile. Ungakwenza oku ngokusebenzisa iiakhawunti zogcino okanye iibhanki zehagu esele zibonelelwa ziibhanki ezininzi ngezicelo zazo. Nokuba kusenokuba njalo, into ebalulekileyo kukuyenza ngocwangco ngokwezi pesenti zilandelayo:
I-50% yeemfuno ezisisiseko
Ngokwendlela yeHarv Eker, isiqingatha sengeniso yakho kufuneka siye kuyo iimfuno ezibalulekileyo njengokutya, iindleko zezindlu ezisisigxina okanye ezothutho. Kwenzeka ntoni xa sichitha ngaphezulu kwe-50% kwezi mfuno zisisiseko? Usenokuba uyazibuza. U-Eker ubonisa ukuba okokuqala kufuneka uzame ukunciphisa iindleko zakho kangangoko okanye ufumane umvuzo othe chatha. Kwaye ukuba akunakwenzeka, nqakraza kwicandelo lotyalo-mali okanye leminikelo evela kamva.
I-10% yokonga
Kubonakala kuncinci, kodwa loo 10% i indlela ekhuselekileyo neyinyani yokugcina. Isitshixo asiyikuchukumisa imali kwaye ulondoloze ukujongana neendleko ezingalindelekanga ezizayo: ukuthengwa kwemoto entsha, ifriji okanye umatshini wokuhlamba ...
I-10% yotyalo-mali lwexesha elide
U-Eker ucebisa ukwabelwa enye i-10% kwinto ethile i-asethi yemali okanye imveliso esibonelela ngeengenelo zexesha elide. Umbono kukuba ungaze uchukumise le mali ngombono wokuba i-piggy bank iya kukhula ide ibe ngumqamelo oya kukubonelela ngenkululeko yezemali kwixesha elizayo.
I-10% yoqeqesho
Yenye yeengongoma uEker agxininisa kuzo kakhulu. Kwaye ugxininisa kwincwadi yakhe ukuba uqeqesho luyimfuneko ekuphuculeni izakhono zobungcali kunye phambili kwimarike yomsebenzi. Utyalo-mali oluyimfuneko, ekugqibeleni, ukukhetha imisebenzi engcono kwaye ngoko ke umvuzo ophezulu.
I-10% yokuzonwabisa
Mhlawumbi yenye ye amanqaku anzima ngakumbi. Yeyiphi ipesenti yomvuzo wakho owabela ukuzonwabisa ngenyanga nganye? Ngaba uyekile ukuyibala? Yenze! Ukuqonda indlela oyisebenzisa ngayo imali kwaye uhlalutye enye indlela onokuyenza ngayo ngaphandle kokuphulukana nexesha elimnandi nabahlobo okanye usapho kubalulekile.
Ukuphuma ukuya kwisidlo sakusihlwa, ukuya kwiimuvi, ukuhamba, ukubhalisela iNetflix okanye ukuthenga ezo ziphathekayo ozifunayo ixesha elide; Zonke ziindleko ezinxulumene nolonwabo. KUNYE ukuphumla kuyimfunekoKe ngoko, nangona kunokuhenda ukugcina yonke into ngexesha leholide, u-Eker ucebisa ukuba usebenzise imali ekule piggy bank rhoqo kwaye ngaphandle kokuziva unetyala.
I-10% yokunikela
Indlela yeHarv Eker icebisa ukwabelwa i-10% yomvuzo wakho kwiinjongo zesisa, ucinga ukuba kusoloko kukho omnye umntu okwimeko entsonkothileyo ngakumbi kunawe. Noko ke, ukwashiya umnyango uvulekile kwabo bathi, ngokungafaniyo nabo bamkela imali eninzi njengaye, banemeko enzima. ukunciphisa le pesenti kwaye yabele iimfuno ezisisiseko.
Ucinga ntoni ngale ndlela yokwaba umvuzo wakho? Ngaphambi kokuba ndiqalise ukuyisebenzisa, ndincoma funda iindleko zakho kwiinyanga ezimbalwa, ukubhala phantsi iindleko eziyimfuneko ngombala obomvu, ezo uzinikezela kuqeqesho lwe-orenji kunye nezo zokuzonwabisa kuluhlaza, ukuze ufumane umbono wokuba zeziphi iipesenti zokwenyani ohamba kuzo ngaphambi kokuba uqale. Ke, ukongeza ekuqondeni apho uchitha khona imali yakho, kuya kuba lula kuwe ukuba ulungelelanise ezo pesenti u-Eker acebisa ukuba udlale kuzo ngokwenyani yakho.