Zaumoyo Wanu
Kumayambiriro kwa chaka chino ndinawona nkhani kuchokera ku CNBC ikuwonetsa kuti 60% ya aku America adzakankhidwa m'ngongole ndi ndalama zadzidzidzi za $ 1,000. Izi ndi zowopsa kwambiri ku dziko lathu lonse ndipo zitha kukhala ndi zovuta pazachuma chathu panthawi yomwe chuma chikubwera.
Monga wophunzira wakale wa zachuma, zachuma ndi zachuma zakhala zokonda zanga kuyambira pomwe ndimasiya ntchito ndikugwira ntchito mubizinesi. Ndinaganiza kuti uwu ukhoza kukhala mwayi wabwino wogawana nawo malingaliro awiri omwe ndikukhulupirira kuti angapangitse kusiyana kwakukulu pamlingo waumwini ndi wofunika kwambiri kwa inu wamng'ono.
- Mphamvu ya Zizolowezi Zatsiku ndi Tsiku
- Mphamvu ya Chidwi Chophatikiza
Mphamvu ya Zizolowezi Zatsiku ndi Tsiku
Kupewa kwapang'onopang'ono ndikoyenera kuchira - Ben Franklin
Mofanana ndi munthu amene akufuna kuyamba kudya zakudya zatsopano kapena kuchita masewera olimbitsa thupi, zotsatira zake siziwoneka usiku wonse, koma ngati zichitidwa mokhazikika, zotsatira zake zimakhala zazikulu pakapita nthawi. Thanzi lazachuma limatsatira ndondomeko yofanana ya chipambano.
Tengani chitsanzo ichi cha kusunga $10 patsiku. $ 10 iyi ingawonjezere mpaka $3,650 pachaka. Zikasungidwa kwa zaka zisanu, zitha kufika $18,250 zisanachitike zotsatira za chiwongola dzanja chomwe chingapezeke pazosungazo.
Kukhala wosunga ukonde sikophweka ndipo kumafuna kusinthanitsa zisankho zolimba komanso kuchedwetsa kukhutitsidwa, lingaliro losiya chinthu chosangalatsa kapena chosangalatsa tsopano, kuti mudzapeze china chake chosangalatsa pambuyo pake. Komabe, ngati mutha kuyamba ndi zosintha zing'onozing'ono ndikumanga thumba lachitetezo chadzidzidzi kapena kupezerapo mwayi pamasewera 401k ndi abwana anu, mupeza ndalama zoposa $1 pa dola iliyonse yosungidwa.
Mphamvu ya Chidwi Chophatikiza
Chidwi chophatikizana ndichodabwitsa chachisanu ndi chitatu padziko lapansi. Amene akuimvetsa, aipeza; iwo amene satero, azilipira izo - Albert Einstein
Pankhani ya thanzi lazachuma, kuyamba kusunga udakali moyo kumakhala ndi tanthauzo lalikulu kwa nthawi yayitali komanso chifukwa cha mphamvu yachuma chophatikizana. Tengani tchati chotsatirachi choperekedwa ndi Vanguard chomwe chikuwonetsa mphamvu yakupulumutsa ndikuyika $1 pazaka zosiyanasiyana kutengera kubweza kwapachaka kwa 4%.
Dola imodzi yomwe idayikidwa pazaka 20, yoyikidwa pa 4% kwa zaka 45 ikhala yamtengo wapatali pafupifupi $6! Kapena $3,650 yopulumutsidwa ku chitsanzo choyamba, ngati ali ndi zaka 25 angakula kukhala $17,520 mu chitsanzo ichi. Kupulumutsa pamodzi ndi ndalama zomwe zatsala kuti zikule pakapita nthawi ndi monga Einstein adanena, chodabwitsa chachisanu ndi chitatu padziko lapansi.
Tikatenga ngongole yogula, timagwera mumkhalidwe womwewo, koma mobwerera. Izi sizikutanthauza kuti ngongole zonse ndi zoipa, komabe ndikofunikira kumvetsetsa chiwongola dzanja chomwe tikulipiritsa komanso kutalika kwa ngongoleyo kuti timvetsetse mtengo wonse wa kugula kwathu nyumba, galimoto kapena kugwiritsa ntchito kirediti kadi. zogula.
Potseka:
Awa ndi mfundo zomwe ambiri a inu mumazidziwa komanso monga machitidwe azaumoyo, osavuta m'malingaliro komanso ovuta kuchita. Komabe ndikhulupilira kuti mupeza phindu pamaganizidwe awa ndikukufunirani zabwino pazachuma chanu chanthawi yayitali.