Chidzidzo chatinodzidza kubva kune rimwe remabhuku akanaka emillionaire: vafumi vanhu bhajeti!
Ufungidzire kuti mamiriyoni eAmerica anozvigadzira akafanana sei?
Vakawanda vavo vanoita bhajeti.
Rimwe remabhuku ekutanga ehupfumi wandakaverenga nderokuti "The Millionaire Next Door." Kana iwe uri kutsvaga rimwe remabhuku akanaka emillionaire zvakapoteredza, izvi ndizvo.
Vanyori, Thomas Stanley naWiliam Danko, vaporofesa avo vakazvipira mabasa avo kudzidza tsika dzemamiriyoni evanhu vanozviita. Ava ndivo vanhu vakava mamiriyoni pasina kubatsirwa nenhaka.
Maitiro Anowirirana evanhu vane mamiriyoni
Stanley naDanko vakawana tambo dzakasiyana-siyana dzinowanikwa nemamiriyoni, kusanganisira:
- Mamiriyoni anotarisa aine simba.
- Vanotyaira motokari dzakashandiswa.
- Vanotenga (vanoshandiswa) motokari , panzvimbo yekubhadhara imwe.
- Vanogara mu "imba shomanana" kupfuura zvavanogona kuwana, kunyanya pavanenge vachikura pfuma yavo. Vazhinji vavakidzani vavo havasi mamiriyoni.
- Vanopfuura hafu havana kumbogamuchira kunyange $ 1 senhaka.
- Vanenge hafu havana kumbowana mari yekukoro yekoroji kubva kumhuri yavo.
- Vane mapfumbamwe pamamiriyoni gumi havana kumbogamuchira $ 1 inokosha yehuyo mumabhizimisi emhuri.
- Mamioneyoni anozvigadzirira aine maitiro evarume vakaroorana. Vanyori vakataura nyaya imwe inonyanyisa inotaura nezvemurume uyo, mushure mekuongorora mvumo yake yakakosha , akazivisa kumudzimai wake kuti vaiva mamiriyoni ehurumende. Mudzimai anogunun'una, uye anodzokera kunonyorera mapuroni.
- Mamiriyoni edzimba mabhizinesi. Vamwe vane mabasa ezvenguva yakazara pamwe nemabhizimisi emakambani, asi vamwe vadzidzisi venguva yakazara. (Verenga nezvebhizimisi iwe unogona kutanga parutivi.) "Vanhu vanozvishanda vanoita zvishoma kudarika 20 muzana yevashandi muAmerica asi nhoroondo yezvikamu zviviri kubva muzvitatu zvemamiriyoni," bhuku rinodaro.
- Vanowanzova ne "zvinokanganisa," mabhizimisi asingaverengeki-rudzi rwaisazoita kuti inakidzwe nekambani yefambidzani hurukuro. Bhuku rinoti: "Tiri kutengesa makontrakiti, vatengesi, varimi vemupunga, vatenzi vemapaki emisha-pamba, vatengesi vezvipembenene, vatengesi nevatengesi vematanda, uye vanoronga mabhizimisi."
- Nzvimbo imwe iyo yavanopedza kushandisa mari yakawanda ndiyo yekudzidzisa vana vavo.
Mamiriyoni emari Budget, Too
Uye, hongu, zvandinofarira zvandaifarira:
Ruzhinji rwemamiriyoni evanhu vanozvigadzira vanogadzirisa uye vanoona mari yose. Vanoziva kuti vanopedza mari yakawanda sei pamitambo, gesi, uye mamwe ose emhuri-chinhu.
Vanyori vanoti:
"Kuronga nekugadzirisa kushandiswa ndizvo zvikonzero zvinokosha pasi pehupfumi kuwedzerwa ... Kushanda imba isina bhajeti kwakafanana nekushanda bhizinesi pasina chirongwa, pasina zvinangwa, uye pasina kutungamirirwa."
Verenga zvakawanda: Sei Vafumi Vachifanira Kuda Mari ?
Chii, Sei, uye Sei
Mamiriyoni anotanga ne "big picture" chinangwa. Vanofungidzira kuti vanotarisira kuponesa, kuisa mari, uye kuunganidza zvinhu. Izvi zvinangwa zvemufananidzo zvinomiririra "izvo" zvavanoda kuzadzikisa uye "sei" zvavanoda kuzviita.
Kubhadhara mari uye kutengesa mari zvinomiririra "sei." Mamioneyoni anozvigadzirira anocherechedza mafambiro avo emari kuti aone kana kushandiswa kwavo kwakapindirana nemafambiro avo makuru.
Vanononga zvigoni, vanopfeka nguo dzisingadhuri, uye vanonwa doro rekumwa. Kana, sezvakanyorwa nevanyori vezvidzidzo, "Vanowanzorarama munzvimbo dzakagadziriswa dzisina kusimba."
Vanogadzirisa mararamiro, vanocherechedza mari yavo, uye vanoona kuti vanogona kuderedza sei mari kuitira kuti vawane mari yakawanda.
Kana iyo isiri chikonzero chekuita bhajeti, handizivi chii.
(Unotanga kutanga bhajeti? Shandisa mabhii maawa anobatsira kuti utarise mari yako.)