Ukutholakala Kwakho Okungenayo Kwamathuba Okuphila
Njengoba unemali eyanele yokuqhubeka , umsebenzi ungabe wenza ngokungafani, umnikelo, ukwabelana ngemisebenzi ebalulekile, ukwenza imisebenzi oyithandayo, uzizwa ubalulekile, wenze abangane, uthole impumelelo, amakhasimende amnandi, nokuphumelela.
Yonke yale migomo, echaza ukuthi kungani abantu basebenza , baqala ukudlala lapho wenza imali eyanele.
Izinketho Zakho Zinqume Ukuthola Imali Yakho Yokuphila Kwamanje
Ngakho-ke, inani lemali ofuna ukuyenza, futhi okwenza ngesikhathi sokusebenza kwakho sokusebenza, lithembele ezinkolelweni zakho, ezingqondweni, ezimisweni, nasekukhethweni kwemisebenzi . Uma uthanda ukubasiza abantu abakudingayo, ungalindela umholo othile phakathi nenkambo yomsebenzi wakho.
Uma nje amanani akho ebaluleke kakhulu kunalokho okukhokhelwa, ukukhetha kwakho kuhle. Kodwa, awukwazi ukusetha umgomo wokwenza amadola ayizigidi ngonyaka, wenze okukhethayo okukhokhela u-$ 40,000 ngonyaka bese ulindele ukujabula ngezinqumo zakho zomsebenzi kanye nemali oyenzayo ngokuhamba kwesikhathi.
Cishe wonke umuntu ucabanga ukuthi kufanele enze imali engaphezu kwalokho akwenzayo. Kodwa inani lemali oyikhokhwa ngumqashi wakho lixhomeke ezintweni eziningi ezixoxwa ngazo: I-Scoop Emishayweni Iyanda: Yini Eyophakamisa Ungayilindela Kumqashi Wakho? .
Mayelana noJoshua Kennon uyakutshela ukuthi: Indlela Yokuba Yimpumputhe: Amaqiniso Ayisishiyagalolunye Angakubeka Endleleni Yenkululeko Yezezimali. Ngibhala la macebiso ukukusiza ukuthi uthole imali oyidingayo ukuze ulandele amasu akhe. Yena nami siyavumelana ngesinyathelo sokuqala okudingeka uthathe ukuze wenze imali eyengeziwe.
Shintsha indlela ocabanga ngayo ngemali ukuze ukwandise amathuba okuthola imali
Imali yikho oyikhokhelwa ukwenza umsebenzi futhi ufeze imigomo yomqashi.
Noma, imali yimiholo ozikhokhela njengomuntu osebenza ngokuzimele. Imali ayiyona imbangela yobubi bonke futhi ayiyona inhlanganisela yazo zonke izinhlungu zakho kanye nezifo zomhlaba. Kuyinto nje ithuluzi elikuvumela ukuba uthole izinga lokuphila okhetha ukuliphishekela.
Imali ikuvumela ukuba unikele izidingo eziyisisekelo zomndeni wakho futhi ukukhulisa nokufundisa izingane zakho. Imali ikuvumela ukuba uxhase izimbangela zokuphikisana ngazo okuthandayo. Imali ikuvumela ukuba uhambe, uthenge izinto ozifunayo empilweni yakho, futhi uphishekele izinto zokuzilibazisa nezithakazelo ezikuthandayo. Imali ikuvumela ukuba uthathe umhlalaphansi ngelinye ilanga uma ukhetha.
Ngenxa yalokho, ukuthola imali eningi akulungile nje; Kuyisisekelo emaqenjini onawo empilweni yakho. Ukucela umholo ophakeme uma ushintsha imisebenzi kulindeleke. Ukucela ukukhuphuka kokukhokha kusuka kumqashi wakho wamanje kulungile. Ukukhetha umsebenzi ozokhokhela umholo ophakeme futhi ngaleyo ndlela, imali engenayo yokuphila impilo ephakeme ilungile.
Shintsha Indlela Ozicabangela Ngayo Ukwandisa Inzuzo Yokuthola
Ngenkathi ungafuni ukuchaza umlingiswa wakho ngemali oyenzayo, udinga ukuba nomqondo wokuthi noma ngabe yini ongayithola, ufanelekile. Uma uzicabangela njengomsebenzi wezingu-$ 30,000 ngonyaka, i-$ 100,000 iyinhloko engqondweni.
Yilungele ukwenza izinqumo kulo lonke umsebenzi wakho ozokwenza ngcono ikhono lakho lokuthola imali eyengeziwe. Isibonelo, ukubuza umphathi wakho ukuphakanyiswa kungadala isibindi somuntu othembekile kakhulu. Kodwa, uma ungalokothi ucele ukuphakama, "ulungisa" lokho inhlangano yakho ikunikeza khona.
Funda imininingwane mayelana nokuthi Ungakhulisa kanjani Inzuzo Yakho Yokuthola Impilo Yonke.
Uqala kuphi ngolwazi ku: Ukukhulisa Ukutholakala Kwakho Kwemali Yesikhathi Sonke?
Khetha Ngokucophelela Umsebenzi Wakho Ngenzuzo Yokuthola Imali
Ezinye imisebenzi zikhokha ngaphezulu kunezinye. Uma imali ibalulekile kuwe, khetha umsebenzi ozokukhokhela lokho ofuna ukukuthola. Noma, qaphela ukuthi kuzodingeka wenze okuthile okungavamile ukwenza imali enhle ekusebenzeni kwakho. Ungakwazi futhi ukukhanya kwenyanga, sebenzisa umsebenzi wesibili wesikhashana, ukuzimela, noma uqale ibhizinisi lakho.
Futhi, imali ozoyenza phakathi nomsebenzi wakho wenzelwe wena.
Hlola amabala wokubala ukuze uthole ukuthi ungathola kanjani imali engenayo emisebenzini ehlukahlukene. I-Economic Research Institute I-Salary Calculator izokusiza ngisho nokuthola amathuba omholo wokuphila wemisebenzi.
Thola Iziqu Nezimfanelo Ezidingekayo
Abantu abanezigameko bathambekele ekwenzeni imali eningi emkhakheni wabo kunabantu abangenazo iziqu. Inzuzo yokuphila yonke engenayo ingaba yinto ephawulekayo. Isibonelo, umuntu ophethe i-bachelor's degree ebhizinisini uzothola i-$ 349,028 eyengeziwe futhi i-degree degree ingayisa isisebenzi imali engaphezu kuka-$ 500,000. Idijithi yezihlobo ziletha i-bump enkulu phezu kwe-diploma esikoleni esiphakeme.
Udinga ukuqiniseka? Ku- MSN Money , u-Allison Linn uthi imali engenayo yokuphila yonke iyanda ngamazinga, kodwa kufanele ube ngokukhethekile ngezinga oliphishekela ngalo. Kweminye imikhakha, njengesizo sosizo lwabahlengikazi, okulindeleke ukuba sikhule, idiresi ngeke likhokhe imali yakho ngokutshalwa kwezimali.
Ukwengeza, ngokusho ukuthi, Izinzuzo Zemfundo Ephakanyisiwe , "Ukuhlukaniswa kwemali engenayo yonke impilo kuphakanyiswa uma kuqhathaniswa neminyaka engama-40 (kusukela eminyakeni engama-25 ukuya ku-64). Abamukeli be-Master's degree bayothola amaRandi ayizigidi ezingu-2,5 ngesikhathi sokuphila kwabo. of degrees professional, ezingaphezu kuka $ 4.4 million, kuhle ngaphezu kwanoma yiliphi elinye iqembu. " (Umthombo: Ukutholakala Kwezemfundo e-United States, US Census Bureau, Ucwaningo Lwezokuhlaliswa Kwamanje, May 2004.)
Thuthukisa Indlela Yakho Yomsebenzi Ngokunakekelwa Okungenayo Imali
Ukuze uthole imali engcono kakhulu, uma uthatha umsebenzi nomqashi oyedwa, futhi uhlale nomqashi, ungase ungabi namandla okuthola imali engenayo. Ukukhethwa komsebenzi owenzayo kungathinta futhi imali yakho. Sebenzisa isikhathi ekulawulweni komugqa uphinde uphathe umsebenzi wabanye ukuze ukhulise amandla akho okuthola imali. Noma, phuthukisa ikhono lobuchwephesha lobuchwepheshe olwenza ube ngumuntu olinganisiwe uqobo.
Kodwa ekugcineni, kungadingeka ushintshe iminyango noma abaqashi ukuthola imali engenayo ephezulu. Ngifunde nje ukuthi isisebenzi esishintsha izinkampani silindele ukukhuphuka kancane kwezingxenye eziyishumi kumholo. Ukuba nenani elifunwa kakhulu ukubaluleka kwama-chips wakho we-bargaining nomqashi wakho wamanje, naye.
Thatha Isinyathelo Ukuze Uthuthukise Imali Yakho Yokuthola Impilo Yonke
Uma ungumuntu othulile, omuhle, osebenza kanzima olindele ukukhushulwa kweholo okufanele unikezwe ngabaphathi, uyanciphisa amandla akho okuphila okuzayo. Izenzo ozithatha emsebenzini, nangaphezulu kweminyaka yakho yokusebenza, zithinta kakhulu umphumela wakho wokuthola imali.
- Xoxa ngesipho sokuqala somqashi omusha . Ungathola isipho asikwazi ukuxoxisana, kodwa akukho ukulimala okukhulu ekuzameni - kanye. Uzohlukanisa umqashi uma uhlanganyela ochungechungeni lwezingxoxo ezikhulisa izidingo zakho njengoba umqashi ethuthukisa isipho sakho. Abasebenzi abangamaphesenti angama-20 kuphela abaxoxisana ngezinhlinzeko zabo zemiholo noma amaphakheji. Yiba omunye wazo ukuthuthukisa amathuba okuthola imali.
- Cela ukuphakamisa njalo kusuka kumphathi wakho ngenkathi usebenza. Landelela izinto ozenzayo. Linganisa ngaphambi nangemva kwamaphrojekthi owaqedile. Bonisa futhi ubonise inani olifakayo kumgqa ophansi wenkampani. Qaphela ukuthi, naphezu kwemizamo yakho emihle, umqashi wakho angase abe ne-salary band ngaphandle kwalokho angakwazi ukuxoxa ngakho. Umqashi wakho angase abe nenqubomgomo yokubuyekeza amaholo njalo ngonyaka ngesikhathi esithile. Kodwa, akulimazi ukubuza; nje ungafaki.
- Bonisa izifiso zakho zomsebenzi kanye neminikelo yokuphumelela kwenkampani onethemba lokuyenza. Thola ukuzibophezela komphathi wakho ekusizeni nasekuthuthukisweni komsebenzi wakho . Ufuna ukuba ohlelweni lokulandelana . Yonke inkampani inehlu lomsebenzi ophakeme, noma ngabe ihlala engqondweni yomphathi - ngithembele - futhi ufuna ukuba kuyo ukuze ukwandise amandla akho okuthola imali.
Sebenzisa le mibono ukuqinisekisa ukuthi uhola inani lemali oyifunayo esikhathini sokuphila kwakho sokusebenza. Ungakwazi ukwandisa amathuba okuthola impilo yakho yonke. Udinga ukukhetha ukwenza njalo; le mibono izosiza.
Sicela ungaphutha lesi sihloko sokuhlaziya komphakathi mayelana nokuthi umhlaba kufanele uhloniphe imisebenzi nemali; lesi sici esithile sibheka imali. Hamba uthole owakho. Khumbula, uyakufanelekela.
Uqala kuphi ukukhulisa ukutholakala kwakho kwesikhathi sokuphila kwakho?