Nokutevera mazano aya, Unogona Kuva Millionaire Next Door
Kune chikamu chikuru, vanhu ava vari pasi pevatengi . Vakagadzirisa mamiriyoni nekuti vakashandisa masimba akawanda ekugadzira masimba ayo chero upi zvake wedu angashandisa- kutanga nhasi. Heino gumi nembiri mamiriro evanhu vane mamiriyoni pedo neimba:
1. Vanoisa zvinangwa. Vanhu vakapfuma havangotarisiri kuti vawane mari yakawanda; vanoronga nekushanda kune zvinangwa zvavo zvemari. Vane zviratidzo zvakajeka zvezvavanoda uye vanotora matanho anodiwa kuti vaende ikoko.
2. Vanoshingaira kuchengeta nekutsvaga mari. Vakawanda vevapfumi vepfuma vakazotanga kupa mupiro mukuru kune avo 401 (k) s mumakore avo makumi maviri kana makumi matatu. Yeuka, dhora rega roga rauriisa mukati mako 401 (k) mutero unobviswa uye unovaka dendere rako mazai. Makambani mazhinji anopawo kuenzanisa chikamu chemipiro yako-bhonasi yakawedzerwa.
3. Vakaramba vachiita basa rakasimba. Kutsvakurudza kwedu kwakaratidza kuti vapfumi vakapfuma vakagara nemumwe muvakidzani kwemakore makumi matatu nemakumi mana.
Kuramba nekambani imweyo kunogona kupa mibairo mikuru, kusanganisira mari yakaisvonaka yekupedzisira, mari yakakura yepensheni uye makumi mana (k) zviyero. Kunyange zvazvo tichigara tichinzwa pamusoro pemitengo yakakwirira yekushandurwa kwevashandi mazuva ano, kune vanhu vakawanda vane ruzivo rwakakwana kuti vave nerudzi urwu rwekugadzikana kwebasa, sevadzidzisi nevashandi vehurumende.
Izvi zvinoratidza kuti iwe hauna basa rakakwirira, rinokurumidza kuita kuti uve akapfuma.
4. Vanokumbira mazano uye vanozvikomberedza nevadzidzisi. Vapfumi vepfuma havaiti mitero yavo uye havasi ivo-ivo-ivo (DIY) vatengesi. Vanoziva kuti simba ravo nderei, uye kana simba ravo risingarevi mukuisa mari, mitero nekugadzirisa zvemari, vanoisiya kuti vazvitsaurire nyanzvi.
5. Vanochengetedza chikwereti chekwereti. Iri boka rinochengetedza maFICO mazano avo kuitira kuti varambe vachiderera mari yepamusoro pamatengo makuru zvakadai sezvikwereti nemari yemari. Vanoitawo izvi nekudzivirira chikwereti chavo.
6. Vanokoshesa kuva nezvinhu zvakawanda zvekuwana mari. Tichifunga nezvekukosha kwekuwana mari, vapfumi vepfuma vanoenda kune rimwe danho rekuchengetedza zvinyorwa zvitatu. Izvozvo zvinowanzobva pakusanganiswa kweSocial Security, penhorensi, basa rekushanda kwemaawa, mari yekubhadhara, humwe hurumende inobatsira, uye inonyanya kukosha, mari inowanikwa.
7. Vanotenda mukuramba vakabatikana. Busier vakasiya basa vanowanzofadzwa nekufambisa zvido zvavo zvekugara. Basa rechipiri rinokurudzira chido chako uye rinokuchengeta iwe wakabatikana uyewo kuunza mari yakawedzerwa ndiyo yakakodzera. Funga nezvekuti mari yakawanda yatinopedza tisingabatsiri kuti tifadze.
Nhengo yako gig haifaniri kunge yakakuya. Ita chimwe chinhu chaunogona kufara kunyange dai pakanga pasina chekubhadhara yakabatanidzwa nayo, sekushanda pamitambo yemitambo yemunharaunda kana kubatidzira pachitoro chemabhuku.
8. Vanongwarira pamusoro pekushandisa kwavo. Vapfumi vakatsauka vanocherechedza kuti vasava chinangwa chevatengesi. Vanoziva kuti vapfumi iwe unova, mumwe nomumwe kubva paIndaneti hustlers kusvika kumusha kugadzirisa con artists zvingangokurudzira iwe. Vaya vanosiya basa vanotora nguva yavo uye vanobvunza mibvunzo yakarurama kubva kune vanopa vashandi uye vanotsvaka kutsvaga vasati vaita bhizinesi nemunhu.
9. Havana kuparadza. Vapfumi vepfuma vanobva vatenda kana iwe usingashandisi, rega kuripa. Izvi zvinogona kuva chinhu kubva pakubhadhara kabhadhi kuhutano hwekambani kumusha wekuchengetedza maitiro. Vanotevera bhajeti yemwedzi nemwedzi inovabatsira kuti vaone kuti mari yavo inowanikwa kuitira kuti vagoita kuderedza kana zvichidiwa.
10. Vanoziva kuti mari haitengi mufaro. Iko, ikoizvo, kudzoka kuderera kune mufaro. Kuongororwa kwedu kune vanofara, vakagamuchira dzimba vakawana kuti avo vakasiya basa vane rimwe remhando yakakura, asi simba ravo rekuita kuti vawedzere kufara rakaderera mushure me $ 550,000.
11. Vanobhadhara ivo pachavo. Kune boka iri revakabhadhara, vanonzwisisa kukosha pakuisa mari kune ivo pachavo pakutanga. Kwavari, iyo inokosha inokosha yehupfumi hwemunhu uye inovapa nzira yekuchengeta mari yekurangwa.
12. Vanotenda kuti kutsungirira kunaka. Vapfumi vepfuma vanoenda kunzvimbo yavari kuburikidza nekutsungirira. Vanove nekutenda kwekuti mupfumi anouya zvishoma nezvishoma uye anowedzera kuburikidza nekushingaira kuponesa, kuisa mari, nekugadzirisa mari kwemakumi emakore akawanda.
Pasi Pasi
Upfumi hwepfungwa hausi hwekushamisa sezvinofunga vanhu vakawanda. Zvimedu zviduku, kuisa chinangwa nekugadzirisa kwenguva refu kwezvemari zvinogona kuita kuti uite danho rimwe pedyo nehupfumi hwehupfumi. Kuti uwane mamwe mazano makuru uye mazano pamusoro pekuti iwewo unogona sei kuva "mamionaire pedyo," tapota download iyi e-book yekusununguka, Wealth Building Secrets Of Wealthy Retirees.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo