Ukonga kungenye ye izinjongo ethandwa kakhulu U-Eva Wonyaka Omusha, kodwa uyinkimbinkimbi ezimweni ezithile. Manje njengoba amanani enyuke ngokuphawulekayo, akunzima nje kuphela kodwa futhi kuyadingeka nakakhulu, yingakho sicabange ukuthi kuyathakazelisa ukukhuluma nawe mayelana indlela ye-harv eker, indlela engasiza ekuphatheni kangcono imali yakho.
U-Harv Eker ungemva kokunye izincwadi ezithengisa kakhulu: Izimfihlo zengqondo ye-millionaire. Lo usozigidi owalahlekelwa cishe yikho konke ngenxa yokuthi wayengazi ukuphatha kahle imali, usinikeza umbono olula wokuhlukanisa umholo wethu futhi ngaleyo ndlela songe. Thola!
Ithini indlela?
Indlela kaHarv Eker isuselwe esiphakamisweni esilula kakhulu: hlukanisa imali engenayo ibe izingxenye eziyisithupha ngezinjongo ezithile. Ungakwenza usebenzisa ama-akhawunti okonga noma amabhange engulube angempela amabhange amaningi asevele enikezela ngezicelo zawo. Noma ngabe kunjalo, okubalulekile wukwenza ngendlela ehlelekile ngokwamaphesenti alandelayo:
50% wezidingo eziyisisekelo
Ngokwendlela ye-Harv Eker, ingxenye yemali engenayo kufanele iye kuyo izidingo ezibalulekile njengokudla, izindleko zezindlu ezingaguquki noma izinto zokuhamba. Kwenzekani uma sisebenzisa imali engaphezu kuka-50% kulezi zidingo eziyisisekelo? Uzobe uzibuza. U-Eker ubonisa ukuthi kwasekuqaleni kufanele uzame ukunciphisa izindleko zakho ngangokunokwenzeka, noma uthole imali eyengeziwe. Futhi uma kungenzeki, nqamula ezingxenyeni zokutshala izimali noma zomnikelo ezivela kamuva.
10% yokonga
Kubonakala kuncane, kodwa lokho 10% kuyinto indlela ephephile neyiqiniso yokonga. Okubalulekile ukuthi ungayithinti imali futhi uyilondoloze ukuze ubhekane nezindleko ezingalindelekile zesikhathi esizayo: ukuthengwa kwemoto entsha, isiqandisi noma umshini wokuwasha ...
10% ekutshalweni kwezimali kwesikhathi eside
U-Eker weluleka ukuthi kwabiwe omunye u-10% kwabanye impahla noma umkhiqizo wezezimali lokho kusinikeza izinzuzo zesikhathi eside. Umqondo wukuthi ungalokothi uthinte le mali ngombono wokuthi i-piggy bank izokhula ize ibe umatilasi okunikeza inkululeko ethile yezezimali esikhathini esizayo.
I-10% yokuqeqeshwa
Kungelinye lamaphuzu u-Eker alithinta kakhulu. Futhi kungenxa yokuthi ugcizelela encwadini yakhe ukuthi ukuqeqeshwa kubalulekile ukuthuthukisa amakhono ochwepheshe kanye phambili emakethe yezabasebenzi. Ukutshalwa kwezimali okudingekayo, ngamafuphi, ukukhetha imisebenzi engcono kanye nemali engenayo ephezulu.
U-10% wokungcebeleka
Cishe ingenye ye amaphuzu ayinkimbinkimbi. Ingakanani iphesenti lomholo wakho oyichitha ekuziphumuleni ngenyanga? Uke wama ukuze ubale? Kwenze nje! Ukuqaphela indlela oyisebenzisa ngayo imali yakho nokuhlaziya ukuthi ungakwenza kanjani ngenye indlela ngaphandle kokumosha isikhathi sokuzijabulisa nabangane noma nomndeni kubalulekile.
Ukuphuma uyodla isidlo sakusihlwa, ukuya kumamuvi, ukuvakasha, ukubhalisa kwe-Netflix noma ukuthenga lokho okufunayo isikhathi eside; zonke izindleko ezihlobene nokungcebeleka. Y ukuzilibazisa kuyadingekaNgakho-ke, futhi nakuba kungase kube isilingo sokulondoloza yonke into ukuze uthole amaholide, u-Eker weluleka ukusebenzisa imali kuleli bhange lengulube njalo futhi ngaphandle kokuzizwa unecala.
10% yokunikela
Indlela ye-Harv Eker incoma ukwaba u-10% wemali engenayo ezinjongweni zokupha, kucatshangwa ukuthi kuhlale kunomunye umuntu osesimweni esiyinkimbinkimbi kakhulu kunesakho. Nokho, ubuye ashiye umnyango uvulekele kulabo, ngokungafani nalabo abahola imali eningi, abe nesimo esinzima. yehlisa leli phesenti futhi uyisebenzisele izidingo eziyisisekelo.
Ucabangani ngale ndlela yokusabalalisa iholo lakho? Ngaphambi kokuqala ukukusebenzisa, ngincoma funda izindleko zakho izinyanga ezimbalwa, ubhala izindleko ezibalulekile ngombala obomvu, lezo ozinikezelayo ekuqeqesheni izindleko ezisawolintshi nezokungcebeleka ngokuluhlaza okotshani, ukuze uthole umbono wokuthi yimaphi amaphesenti angempela owaqhubekela phambili ngaphambi kokuqala. Ngakho, ngaphezu kokuqaphela ukuthi uyisebenzisa kuphi imali yakho, kuzoba lula ngawe ukuzivumelanisa nalawo maphesenti u-Eker ahlongoza ukuthi udlale ngawo ngokoqobo kwakho.