Kupeza chipambano pazachuma ndi cholinga chomwe ambiri amalakalaka, koma osankhidwa ochepa okha ndi omwe amatha kufika pachimake chachuma. Chimene chimasiyanitsa anthu ameneŵa si mwayi chabe kapena cholowa; ndiye malingaliro awo. Malingaliro a miliyoniya ndi mphamvu yamphamvu yomwe imapangitsa anthu kupanga zisankho zanzeru zachuma, kutenga zoopsa zowerengeka, ndipo pamapeto pake kudziunjikira chuma. Anthu omwe ali ndi malingaliro mamiliyoni ambiri amakhulupirira kuti amatha kuchita zinthu zazikulu ndipo amatha kukwaniritsa maloto awo. Mukakhala otsimikiza za kuthekera kwanu kukhala miliyoneya, m'pamenenso mutha kuchita bwino.
Nthano ya kupambana usiku wonse
Kupeza chipambano, makamaka chipambano chandalama, kaŵirikaŵiri kumawonedwa kukhala kwachikondi monga kukwera msanga pamwamba pa zotukuka. Kukopa kwa nkhani yachipambano yausiku kumatenga malingaliro athu ndikuwonjezera zokhumba zathu. Komabe, chowonadi kumbuyo kwa nkhanizi nthawi zambiri chimakhala chosasinthika, kuwonetsa ulendo womwe umadziwika ndi kulimbikira, kulimba mtima, komanso kudzipereka kokhazikika ku zolinga zako.
Chinyengo chachuma chanthawi yomweyo
M’dziko lodzala ndi kukhutiritsa nthaŵi yomweyo, lingaliro lachipambano chamwadzidzidzi limakhala chiyembekezo chosangalatsa. Kaŵirikaŵiri, mawailesi ndi ma TV amafotokoza za anthu amene akuoneka kuti akuchulukirachulukira kuchoka pa kusadziŵika n’kufika pa kutchuka ndi chuma m’kuphethira kwa diso. Chikoka cha chuma chamsanga chikhoza kukhala chokopa, kupangitsa ambiri kuthamangitsa njira zachidule ndi kukonza mwamsanga.
Udindo wa kupirira
Nthano ya chipambano cha usiku kaŵirikaŵiri imachepetsa kufunika kwa kupirira. Anthu ambiri ochita bwino akumana ndi zolephera zingapo komanso kukanidwa panjira yawo. M’malo mogonja ku zododometsa zimenezi, iwo anazigwiritsira ntchito monga popondapo kaamba ka chipambano. Khama ndi njira yofala pakati pa anthu amene apezadi kulemera kosatha.
Kuphunzira kuchokera ku zopinga
Ndikofunikira kumvetsetsa kuti zolepheretsa ndi zolephera sizizindikiro zosiya; m'malo mwake, ndi mwayi wophunzira ndi kukonzanso. Kulandira kulephera monga gawo lachilengedwe laulendo ndi chizindikiro cha malingaliro a milionea. Sikuti ndi kupewa kulephera koma kutengerapo mwayi wokonza njira yanu ndikuyandikira ku chipambano.
Zigawo zazikulu za malingaliro a Millionaire
Pofuna kupeza bwino pazachuma, malingaliro omwe munthu amakhala nawo amakhala ndi gawo lofunikira kwambiri. Malingaliro amillionaire, omwe nthawi zambiri amalumikizidwa ndi anthu ochita bwino omwe adapeza chuma chambiri, amaphatikiza zinthu zingapo zofunika zomwe zimawasiyanitsa ndi munthu wamba.
1. Kudziwa zachuma
Pakatikati pa malingaliro a milionea ndikumvetsetsa kwakukulu kwazachuma. Anthu ochita bwino samangotenga nawo mbali pazachuma; amadziphunzitsa okha zandalama, mabizinesi, ndi mikhalidwe yazachuma. Kudziwa zachuma kumawathandiza kupanga zisankho zodziwika bwino, kuyendetsa bwino zoopsa zomwe zingachitike, komanso kugwiritsa ntchito mwayi.
2. Kutenga zoopsa komanso kuchita bizinesi
Malingaliro a miliyoniya amakhala bwino pakuwerengera zoopsa. Mamiliyoni ambiri ndi amalonda omwe amazindikira mwayi ndipo samawopa kupita kumalo osadziwika. Amamvetsetsa kuti zoopsa zowerengeredwa zitha kubweretsa zatsopano komanso mphotho zazikulu zachuma. Kulandira mabizinesi kumalimbikitsa njira yolimbikitsira kupanga chuma, kusiyanitsa omwe ali ndi malingaliro amillionaire.
3. Kukhazikitsa zolinga ndi masomphenya
Anthu ochita bwino omwe ali ndi malingaliro opeza miliyoneya samangoyendayenda popanda cholinga; ali ndi masomphenya omveka bwino ndi zolinga zenizeni zachuma. Zolinga izi zimagwira ntchito ngati mapu, kuwongolera zisankho ndi zochita zawo. Kaya zolinga zazing'ono kapena zokhumba za nthawi yayitali, kukhala ndi masomphenya odziwika bwino kumapereka chitsogozo ndi cholinga.
4. Kulanga ndi kulimbikira
Mosiyana ndi malingaliro olakwika a moyo wa kusanguluka, ochita mabiliyoni ambiri amanena kuti kupambana kwawo kumabwera chifukwa cha mwambo ndi khama. Lingaliro la miliyoneya limaphatikizapo kukhalabe olimba pantchito, kuyesetsa mosalekeza kuyesetsa kukwaniritsa zolinga. Kudzipereka kumeneku kumapitirira kupitirira magawo oyambirira a kudzikundikira chuma, kukhala kudzipereka kwa moyo wonse.
Kusintha kwamalingaliro kuti chipambane pazachuma
Kupeza chipambano pazachuma sikungokhudza kudzikundikira ndalama; ndi kutengera malingaliro omwe amakhazikitsa njira yotukuka. Momwe timaonera ndalama, kupambana, ndi mwayi zimasintha zenizeni zathu zachuma.
1. Kuyambira ogula kuti Investor maganizo
Chimodzi mwazofunikira paulendo wopita ku chipambano chazachuma ndikuchoka pamalingaliro ogula kupita kumalingaliro abizinesi. Ngakhale kugwiritsa ntchito kumapereka chisangalalo kwakanthawi kochepa, kuyika ndalama kumalimbikitsa kukula kwanthawi yayitali. Anthu ochita bwino amaika patsogolo kugawa chuma chawo kuzinthu zomwe zimayamikiridwa pakapita nthawi, kumvetsetsa mphamvu yakukula kophatikizana pakumanga chuma chambiri.
2. Kuvomereza kulephera ngati popondapo
Kulephera si mathero koma ndi njira yofunika kwambiri yopezera chuma. Anthu ambiri ochita bwino amaona zolephera ngati zotchinga mseu koma ngati mwayi wophunzira, kutembenuka, ndi kukula. Kuvomereza kulephera kumasintha malingaliro kuchokera kupeŵa zolakwika kupita kukuwathandizira pakukula kwaumwini ndi zachuma.
3. Kupanga maubwenzi ndi maubwenzi
Chipambano sichimakonda kuchita munthu payekha; nthawi zambiri zimakhudzana ndi mgwirizano ndi maukonde. Malingaliro a miliyoniyoni amazindikira kufunikira kwa maubwenzi ndipo amafunafuna mwachangu mwayi wopanga maukonde amphamvu. Kudzizungulira nokha ndi anthu amalingaliro ofanana, alangizi, ndi othandizana nawo kumatsegula zitseko za kuthekera kwatsopano ndikuwonjezera kuthekera kochita bwino pazachuma.
Kukulitsa malingaliro a Millionaire
The malingaliro a milionea si khalidwe lokhazikika koma njira yolimbitsira maganizo ndi kuyandikira moyo. Zimaphatikizapo kuphatikiza kwapadera kwa nzeru zachuma, mzimu wochita bizinesi, kulimba mtima, ndi chitukuko chaumwini mosalekeza.
1. Kuphunzira mosalekeza
Kudzipereka pakuphunzira kosalekeza kuli pamtima pamalingaliro amillionaire. Kuti mukhale ndi malingaliro awa, yesetsani kukulitsa chidziwitso chanu pazachuma, mabizinesi, ndi momwe msika ukuwonekera. Chitanipo kanthu powerenga mabuku, kupita kumisonkhano, komanso kugwiritsa ntchito zida zapaintaneti kuti mudziwe momwe chuma chikusintha nthawi zonse.
- Pangani mndandanda wowerengera: Pangani mndandanda wamabuku a zachuma, ndalama, ndi chitukuko chaumwini. Khalani ndi cholinga choŵerenga mabuku angapo mwezi uliwonse.
- Maphunziro a pa intaneti ndi masemina: Lowani nawo maphunziro apaintaneti kapena pitani ku masemina okhudzana ndi zolinga zanu zachuma. Mapulatifomu ngati Coursera, Udemy, ndi zokambirana zakomweko amapereka zosankha zambiri.
2. Kuwona ndi kutsimikizira
Kuwona kupambana ndikutsimikizira kuthekera kwanu kukwaniritsa zolinga zanu zachuma ndi machitidwe amphamvu pakukulitsa malingaliro amillionaire. Pangani gulu la masomphenya lomwe likuyimira zofuna zanu zachuma, ndipo patulani nthawi tsiku lililonse mukuwona kuti mukukwaniritsa zolingazo. Phatikizani izi ndi zitsimikizo zabwino kuti mulimbikitse malingaliro ochuluka ndi kuchita bwino.
- Kupanga masomphenya: Lembani zithunzi, mawu, ndi zizindikiro zoimira zolinga zanu zachuma. Konzani pa bolodi ndikuyiyika pamalo owonekera.
- Zitsimikizo zatsiku ndi tsiku: Pangani zitsimikiziro zabwino zokhudzana ndi kupambana kwanu kwachuma. Bwerezani mawu otsimikizira izi m'mawa uliwonse komanso musanapange zisankho zofunika zachuma.
3. Kupanga maubwenzi ndi maubwenzi
Kudzizungulira ndi anthu amalingaliro omwewo omwe amagawana masomphenya anu ndikofunikira pakukulitsa malingaliro amillionaire. Fufuzani mwachangu mwayi wapaintaneti, pa intaneti komanso pa intaneti, kuti mulumikizane ndi akatswiri, alangizi, ndi anthu omwe ali ndi zolinga zachuma zofanana.
- Pitani ku zochitika zapaintaneti: Pitani ku zochitika zamakampani, misonkhano, ndi misonkhano. Misonkhano imeneyi imakupatsirani mwayi wowonjezera maukonde anu.
- Malo ochezera a pa intaneti: Lowani nawo malo ochezera a pa intaneti monga LinkedIn. Chitani nawo zokambirana, kulumikizana ndi atsogoleri amakampani, ndikuchita nawo magulu ofunikira.
4. Kuyambira ogula kuti Investor maganizo
Sinthani malingaliro anu kuchoka pakukhala ogula mosasamala kukhala ochita bizinesi. Ikani patsogolo makonzedwe azachuma m'malo mogwiritsa ntchito mosayenera. Perekani gawo la ndalama zanu kuzinthu zomwe zimagwirizana ndi zolinga zanu zachuma, kumvetsetsa kuti chuma chimakula kudzera mu njira zanzeru zogulitsira nthawi yayitali.
- Pangani ndondomeko yoyendetsera ndalama: Funsani ndi mlangizi wa zachuma kuti mupange ndondomeko yoyendetsera ndalama zanu. Phatikizani ndalama zanu kuti muchepetse zoopsa.
- Dziphunzitseni za mabizinesi: Phunzirani zamagalimoto osiyanasiyana oyika ndalama, monga masheya, malo, ndi ma mutual funds. Pangani zisankho mwanzeru potengera zolinga zanu zachuma.
5. Kuvomereza kulephera ngati popondapo
Kukulitsa malingaliro a Millionaire kumaphatikizapo kukonzanso malingaliro anu pakulephera. M'malo mochita mantha, vomerezani kulephera monga gawo lachilengedwe la kuphunzira. Onani zolepheretsa ngati mwayi wopeza chidziwitso chofunikira, kusintha njira yanu, ndipo pamapeto pake mukhale olimba panjira yanu yopita kuchipambano chazachuma.
- Kupenda zolephera: Mukakumana ndi zolepheretsa, pendani zomwe zimayambitsa vutoli. Kodi ndi maphunziro otani amene tingaphunzire, ndipo mungawagwiritse ntchito motani kuti mupite patsogolo?
- Kondwererani zopambana zazing'ono: Gwirani zolinga zanu zachuma kukhala zing'onozing'ono. Kondwererani zomwe mwakwaniritsa kuti mukhale ndi malingaliro abwino paulendowu.
6. Kubwezera ku gulu
Philanthropy ndi gawo lofunikira pamalingaliro amillionaire. Kulitsani chidwi ndi anthu pothandizira zomwe mumakhulupirira. Kupatula zopereka zandalama, ganizirani kugwiritsa ntchito nthawi yanu ndi luso lanu modzipereka kuti muthandizire dera lanu.
- Dziwani zomwe zimayambitsa: Dziwani zomwe zimayenderana ndi zomwe mumayendera. Ganizirani zokhazikitsa maziko othandiza kapena kuthandizira mabungwe omwe alipo.
- Mwayi Wodzipereka: Perekani nthawi mwezi uliwonse yodzipereka. Njira yogwiritsira ntchito manjayi imakulolani kuti muthandizire mwachindunji pa chitukuko cha anthu.
Kugonjetsa zopinga zofala
Ulendo wopita ku chipambano chazachuma umakhala ndi zovuta zambiri, koma kutha kuthana ndi zopinga zomwe wamba ndizodziwika bwino za omwe ali ndi malingaliro amillionaire. M'chigawo chino, tiwona njira zomwe tingathe kuthana ndi zopinga zomwe anthu nthawi zambiri amakumana nazo pofunafuna chuma.
1. Kuopa kulephera
Kuopa kulephera kungathe kufooketsa anthu, kuwalepheretsa kuchita zinthu zomwe zingawavulaze komanso kupanga zisankho zofunika kwambiri pakukula kwachuma.
- Kusanthula zoopsa ndi kuchepetsa: M'malo mochita mantha, fufuzani mozama za zoopsa zomwe zingachitike posankha ndalama. Konzani mapulani azadzidzi kuti muchepetse ngozizi ndikuwonjezera chidaliro chanu pazosankha zanu.
- Kuchita mwanzeru: Phatikizani machitidwe oganiza bwino, monga kusinkhasinkha, muzochita zanu. Zochita izi zingathandize kuthana ndi kupsinjika ndi nkhawa zokhudzana ndi kuopa kulephera, kukulolani kuthana ndi zovuta ndi malingaliro omveka bwino.
2. Kupanda kulimbikira
Kupanga chuma ndi njira yapang'onopang'ono, ndipo kulimbikira ndikofunikira kuti zinthu ziziyenda bwino. Kupanda kulimbikira kungakhale chopinga chachikulu.
- Zikumbutso za Zolinga: Yang'ananinso zolinga zanu zachuma nthawi zonse kuti mulimbikitse kudzipereka kwanu. Gwiritsani ntchito zikumbutso zowoneka, kaya za digito kapena zakuthupi, kuti zolinga zanu zikhale patsogolo m'malingaliro anu.
- Thandizo la anzanu: Lumikizanani ndi anthu omwe adakumanapo ndi zovuta zofananira ndikuchita bwino. Thandizo la anzanu lingapereke chilimbikitso ndi zidziwitso panthawi ya kulimbikira kochepa.
3. Kusadziwa bwino zachuma
Kusadziŵa bwino zachuma kungalepheretse anthu kupanga zisankho mwanzeru, kuwongolera zoopsa, komanso kukulitsa mwayi wopeza ndalama.
- Zoyeserera zamaphunziro: Dziperekeni kumaphunziro azachuma omwe akupitilira. Pitani kumisonkhano, kulembetsa maphunziro, ndikugwiritsa ntchito zida zapaintaneti kuti muwongolere kumvetsetsa kwanu kasungidwe ka ndalama, bajeti, komanso kasamalidwe kazachuma.
- Kukambirana ndi alangizi azachuma: Kukambirana ndi mlangizi wazachuma kuti mulandire malangizo aumwini. Atha kukupatsani zidziwitso zogwirizana ndi momwe ndalama zanu zilili komanso zolinga zanu.
4. Kuganiza kwakanthawi kochepa
Kungoyang'ana pazopindula kwakanthawi kochepa kumatha kuchepetsa kuthekera kwanu kopanga chuma chambiri pakapita nthawi.
- Kukhazikitsa zolinga: Khazikitsani zolinga zachuma zanthawi yochepa komanso zazitali. Njira yapawiriyi imapereka malingaliro oyenera, kukulolani kuti mukondwerere zochitika zing'onozing'ono pamene mukuyang'anitsitsa zolinga zazikuluzikulu.
- Kuyika ndalama pamaphunziro: Dziphunzitseni za mphamvu ya kukula kophatikizana. Kumvetsetsa momwe chuma chingaunjikire pakapita nthawi kungapangitse malingaliro anu kukhala oleza mtima komanso okonzekera bwino azachuma.
5. Kukwera kwamitengo ya moyo
Pamene ndalama zikuwonjezeka, nthawi zambiri pamakhala chizoloŵezi chowonjezera ndalama pazinthu zosafunikira, zomwe zimalepheretsa kudzikundikira chuma.
- Bajeti: Gwiritsani ntchito njira yopangira bajeti kuti muwone ndikuwongolera zomwe mumawononga. Perekani gawo linalake la ndalama zanu ku zosunga ndi zoikamo musanaganizire kugwiritsa ntchito mwanzeru.
- Kuchedwetsa kukhutitsidwa: Yesetsani kukhutitsidwa mochedwetsedwa pokana kugula mwachisawawa. M'malo mwake, ganizirani za ubwino wa nthawi yaitali wa kusunga ndi kuika ndalama kuti mukhale ndi chitetezo chandalama.
6. Kusowa kwa mitundu yosiyanasiyana
Kuyika mazira anu onse azachuma mubasiketi imodzi kumatha kukuyikani pachiwopsezo chachikulu ngati ndalamazo sizikuyenda bwino.
- Kusiyanasiyana: Phatikizani mbiri yanu yoyika ndalama m'magulu osiyanasiyana azinthu, mafakitale, ndi madera osiyanasiyana. Njirayi imathandizira kufalikira kwa chiwopsezo ndikuwonjezera mwayi wobwerera kwa nthawi yayitali.
- Kuwunika pafupipafupi kwa mbiri yanu: Yang'anani nthawi ndi nthawi kuti muwonetsetse kuti ikugwirizana ndi zolinga zanu zachuma. Pangani zosintha potengera kusintha kwa msika komanso kulekerera kwanu pachiwopsezo.
7. Kuzengereza
Kuzengereza kungakhale cholepheretsa chachikulu chandalama, kuchedwetsa zisankho zofunika ndi zochita.
- Khazikitsani masiku omalizira: Gwirani zolinga zanu zachuma kukhala masitepe ang'onoang'ono, omwe mungathe kuchita ndi nthawi yeniyeni. Njirayi imapangitsa kuti ulendowu ukhale wotheka komanso umathandizira kuthana ndi vuto lozengereza.
- Mabungwe oyankha mlandu: Gawani zolinga zanu zachuma ndi mnzanu wodalirika kapena wachibale yemwe angakhale wothandizana nawo. Kulowa pafupipafupi kungapereke chilimbikitso ndi chilimbikitso.
8. Kusowa thumba lachangu
Popanda chitetezo chandalama, zowononga zosayembekezereka zitha kusokoneza kupita patsogolo kwa zolinga zachuma.
- Khazikitsani thumba lazadzidzidzi: Ikani patsogolo kukhazikitsidwa kwa thumba lazadzidzidzi lomwe limalipira ndalama zolipirira miyezi itatu kapena isanu ndi umodzi. Thumba ili limapereka mwayi wopeza ndalama, kukulolani kuti muthe kuthana ndi zovuta zosayembekezereka popanda kusokoneza zolinga zanu zanthawi yayitali.
- Kusungirako zokha: Konzani zosamutsira ku thumba lanu ladzidzidzi mwezi uliwonse. Izi zimatsimikizira zopereka zokhazikika, pang'onopang'ono kumanga khola lanu lachitetezo chazachuma.
9. Kudzifananiza ndi ena
Kuyerekeza nthawi zonse momwe chuma chanu chikuyendera ndi ena kungayambitse kusakhutira ndi kuyembekezera zomwe sizingatheke.
- Zolinga zaumwini: Dziwani kuti ulendo wachuma wa aliyense ndi wapadera. Khazikitsani zolinga zanu malinga ndi zomwe mumayendera, zomwe mumayika patsogolo, komanso zokhumba zanu, m'malo modzifananiza ndi zomwe zili kunja.
- Kuchita Kuyamikira: Kulitsani maganizo oyamikira poyamikira kupita patsogolo kumene mwachita. Ganizirani za zomwe mwakwaniritsa komanso zomwe mwachita, ngakhale zing'onozing'ono bwanji, kuti mukhalebe ndi malingaliro abwino.
Kutsiliza
Malingaliro a miliyoni ndi kuphatikiza kuwerengera ndalama, kuyika zinthu pachiwopsezo, kukhazikitsa zolinga, kulanga, ndi kuphunzira mosalekeza. Zimaphatikizapo kusintha kwa malingaliro kuchokera kwa ogula kupita ku Investor, kuvomereza kulephera ngati mwala wolowera, ndikuzindikira kufunika kwa maukonde ndi kumanga ubale. Kukulitsa malingaliro a Millionaire kumafuna kudzipereka, kulimbikira, ndi kudzipereka pakuphunzira kwa moyo wonse. Pomvetsetsa ndi kutengera zigawo zikuluzikulu za malingaliro awa, mutha kuyamba ulendo wopita ku chipambano chazachuma ndikupanga cholowa chomwe chimapitilira kupitilira chuma chandalama. Kumbukirani, msewu ukhoza kukhala wautali, koma ndi malingaliro abwino, kupambana sikungopita koma njira yamoyo.
Wamkulu
Ndinayamikira kutsindika kwa kuphunzira kosalekeza ndi kusintha kwa maganizo. Kupeza chuma ndi ulendo, osati kongopita, ndipo nkhaniyi ili ndi malangizo othandiza kwa aliyense amene akufuna kuchita bwino pazachuma