Imibono yemali engenayo yalabo abangaphansi kweminyaka engama-30

Kwesinye isikhathi ngiyazisola ukuthi ngaqala ukubheka imali engenayo lapho sengivele ngingamashumi amathathu. Ngiyazisola ngalabo bafo ababevame ukusebenza iminyaka engama-30 kuphela ngisho nangemva kwalokho. Kwaphela iminyaka eminingi balahlekelwa ngokuphelele. Kunamuhla kuphela, ngemuva kwesikhathi eside, ngabona ukuthi kwakudingeka ukuthi uqale eminyakeni eyi-14. Uma namuhla uthola ipasipoti, ihora lakho futhi lishaywe - hamba uqale ukusebenza.

Akufanele ukuchitha isikhathi ngohlobo oluthile lwemfundo yasendulo. Ngokuzayo kuzoba nzima kakhulu ukukwenza imali. Ngaqinisekisa ukuthi ukumba imisele enezipikili ezincane kuzuzisa kakhulu futhi kusebenza kangcono kunokulinda indawo enhle ngeminyaka engama-50. Futhi ngeke ulinde. I-ASOL iphinde yalinda, uyazi ukuthi yini okufanele uyilinde.

Sibeka ukuthi umncane, awusekho ngaphezu kweminyaka engama-30, kepha usuvele usebenza. Kuhle nje! Ngaleso sikhashana, isilingo sihle ukuba siphile ngesizotha, futhi ngaphezulu kwensalela ukushisa ukuphumula nokuzijabulisa. Ngiyazi -wazi, yena uqobo wayesemncane futhi eshisa. Manje kucace kimi ukuthi lolu munye ngohlobo lwempilo, oludinga ukudlula.

Ingane enjalo ingavunyelwa kusukela eminyakeni eyi-14 kuye kwengama-20, kepha hhayi ngokulandelayo. Ngemuva kweminyaka engama-20, udinga ukuthatha ingqondo bese uqala ukwenza ukunqwabelana. Lokhu akunakuthi cha ama-akhawunti ebhange (yize inketho futhi) futhi, ngaphezu kwalokho, hhayi ukunqwabelana ngaphansi komcamelo (noma kusokisi). Kuyadingeka ukudala umthombo ongezansi wemali etholwayo kwiholo lakho. Futhi ngalokhu, ngifuna ukukhuluma nawe.

Ngemuva kwesikhathi esithile, uzoqala ukwazisa ukuthi imali etholwayo evela emthonjeni otholwayo wemali etholwayo idlula iholo lakho uthola ukusebenza. Kwesinye isikhathi kwenzeka ngokushesha (iminyaka embalwa). Lapho-ke wena unganquma ukuthi kufanele uqhubeke nokwakha umsebenzi noma ungayeka futhi uphile ngendlela othanda ngayo - ukuhamba, ukuhambisa izimvume zaphakade phesheya, lapha uthatha isinqumo.

Endlini enjalo kungaphila kuphela okwazi ukuphatha imali. Ezindlini ezinjalo, izisebenzi azigadli, zinabanikazi bezezimali. Ngifuna ube ngomunye wabo futhi waphila kahle

Imibono emithathu yemali engenayo

Futhi manje ngizokutshela ngemibono emithathu engiyilethela yona isikhathi esingaphezu konyaka. Yini ejwayelekile "Imali engenayo." Ngaphansi kwalesi sisho kuyaqondwa njengohlobo lwemali engenayo, ukutholwa kwalo okungaxhomekile kumandla kagesi akho, noma ngokomzimba noma ngokomzwelo. Ake sithi ungumlintshi. Lapho uthunga izingubo, khona-ke uthola imali. Lapho umshini wokuthunga ucishiwe, ukuhola kwakho kumisiwe. Ngemali engenayo, konke kwehlukile - Imali izoya kuwe noma ngabe ulele, iya olwandle noma udle endaweni yokudlela.

Okwamanje, isikhathi sami esedlule sakhumbula futhi. Ngizisola ngayo ukuthi angitholanga imali etholwayo ngaphambili. Manje akusona ukubuya isikhathi.

I-Idea Inombolo 1 - Ukutshalwa kwezimali ezikhwameni zezezakhiwo

Mhlawumbe okungenani okumbalwa kwakho azokwazi ukuqala indlela yakho yokuthola imali engenayo ngalolu hlobo lokutshala imali. Kepha ngikholelwe esimweni sami somuntu siqu, ukungena kulolu hlobo lwezikweletu kungelula kakhulu kunokuba ungacabanga. Izigidi ezidliwe esikhwameni sezezakhiwo asidingeki. Kwanele ukuba nama-ruble ayizinkulungwane eziyikhulu - futhi ungaqala.

Isikhwama sezezakhiwo esivela emalini, eyakhanga kubatshalizimali, sifuna izinketho ezithokozisayo zokuhlengwa ngokunikezela okulandelayo. Okungukuthi, yonke imisebenzi yokusebenza kanye nekhanda kuzothatha isikhwama. Kepha uzothola izinzuzo zakho, futhi zinhle kakhulu. Okunamathiselwe kwizikhwama zezezakhiwo (noma njengoba zibizwa nangokuthi "amaRiites" (kusuka e-English Reit) ziphephile ngokuphelele futhi zenziwa ngabathengi baseRussia, isibonelo, i-tinkoff noma i-VTB).

Uma namhlanje unecebo lokuthenga ifulethi ngokulethwa kokuqasha okulandelayo, bese ucabanga, uyakudinga? Isikhwama sezezakhiwo sizokwenza wonke umsebenzi onzima kuwe futhi ngalinye ikota lizokhokha imali oyitholayo. Bengijwayele ukunikela ngamafulethi ngamarenti. Lolu hlobo lwesikweletu oluqhathaniswa nezimali lumane nje luyizulu nomhlaba. Angazi noma yiziphi izinkinga, ngivele ngihambe ngithole imali yami ebhange njalo ezinyangeni ezi-3.

I-Idea Inombolo 2 - Dala iwebhusayithi kwi-Intanethi

Uhlobo lwesikweletu esihle kakhulu yiwebhusayithi yakho. Dala insiza yakho kwi-Intanethi bese uqala ukugcwalisa ngolwazi olubalulekile empilweni yakho. Isibonelo, ungumsakazo weradi lomsakazo. Kuhle kakhulu! Tshela i-Intanethi ukuthi uyalungiswa noma owenzelwe, bese wabelana ngezinhlelo ezithokozisayo, bonisa imishini yakho. Konke lokhu kuzoheha izithameli esizeni sakho, futhi noma yimuphi umthamo ku-Intanethi ungakhiwa imali.

Noma esinye isibonelo. Ungaba uhlelo lwe-novice. Yabelana ngolwazi lwakho nabantu, ngitshele ukuthi yiziphi izinhlelo ozibhalile futhi lapho amaphrojekthi ahlanganyele khona. Ngokuhamba kwesikhathi, izithameli ezithembekile zizokhula eduze kwakho futhi ungathola ukukhangisa.

Muva nje, yandex-zen wathola ukuthandwa okuthandwa kakhulu. Le yiplatifomu yokweluleka naye ozothola izilaleli zakho ezithakazelayo futhi ilethe ukukhangisa ezihlokweni zakho. Mina uqobo nginamasayithi, neziteshi eYandex-Zen. Thola ku-DZANGE Ngincoma ukuthi uqale ngaye. Futhi ukuthi ungakwenza kanjani, ngabhala kule ndatshana: "Ungayenza kanjani imali ku-Yandex Zen kumuntu ojwayelekile, imiyalo yesinyathelo ngesinyathelo."

Futhi ungakhohlwa ukuthi unga-oda izindatshana ezivela kuma-freelancers. Ababhali abaningi abahle balinde ukushintshaniswa kwesitoko. Yenza imali engenayo imane ibe ngaphezulu.

I-Idea Inombolo 3 - Ukutshalwa kwemali kwesitoko namanye amathuluzi wesitoko

Sengivele ngiyiqonda isikhathi eside ukuthi amaphesenti amahle anjalo nokuthi angawaguqula kanjani ama-ruble angama-500 ukuguqula ama-ruble angama-500 enkambweni enkulu. Futhi ngisize kulokhu kunyuswa. Vele, wena, njengomtshali zimali we-novice, kungcono ukungazibeki engcupheni, kepha ukutshala imali kuma-chips aluhlaza okwesibhakabhaka (ezinzile futhi, ikakhulukazi amasheya akhulayo). Ukubeka i-10% yanyanga zonke yeholo lakho kanye nokuthenga kwakho amasheya kuwo, uzophawula ngokushesha ukuthi imali oyilondolozile iye yanda kanjani. Ukuthengisa amasheya ne-navar, uzothola imali engenayo.

Ungatshala futhi kumathuluzi amancane ayingozi, njengezibopho noma ngemali. Ngizonikeza isibonelo ngohlobo lwemali. Ngaphambi kwama-coronacrises, amadola abiza ama-ruble angama-60. Ekuqaleni kuka-2021, waqala ukubiza ama-ruble angama-80. Konke ukunqwabelana kwami ​​kwedola kwami ​​kundiza ngokushesha ngo-40%. Ngijabule ngalokhu? Kunjalo! Futhi ngavuka ngokulahlekelwa yilabo abasafuni ukuba nemali engenayo. Cabanga.