Izincwadi eziyi-10 ezihamba phambili zemfundo yezezimali
Ukusesha "izincwadi eziyi-10 ezihamba phambili zemfundo yezezimali" sekudume kakhulu eYurophu nasezifundeni ezimbalwa zaseLatin America phakathi neminyaka emihlanu edlule. Nokho, kusenendlela ende okufanele ihanjwe mayelana nokusetshenziswa kwale ndawo yolwazi. Ngo-2023, wonke amazwe e-European Union ahlolwa yi-Eurobarometer.
Ukuqapha izinga lokufunda ngezezimali e-EU kubonise lokho izakhamuzi zezwekazi azinalo ulwazi olwanele ukuze zenze uhlelo lokusebenza oluzwakalayo, ngenxa yezibalo zayo. Bangu-18% kuphela abantu abakhombisa ukusebenza kahle kwezezimali, kuyilapho u-64% benezinga elimaphakathi, kanti abanye abangu-18% banezinga eliphansi kakhulu.
Kungani imfundo yezezimali ibaluleke kangaka?
Imfundo yezezimali Kuwuhlobo lokuqeqeshwa kwezemfundo lokho ikuvumela ukuthi uqonde imiqondo ehlotshaniswa nomnotho womuntu siqu, wezwe kanye nowomhlaba. Ukwengeza, kusiza ukufunda ukusebenzisa imikhiqizo yasebhange kanye nezinsizakalo ukuze uthole ikhono nokuzethemba, izici ezidingekayo ukuze wazi ukuthi ungazihlola kanjani ubungozi futhi uthathe izinyathelo, kanye nokukwazi ukusebenzisa ngokunenzuzo amathuba okutshala izimali angase avele.
Ngaphezu kokwazi ukubaluleka kwemfundo yezezimali, udinga ukwazi ukuthi ungayisebenzisa kanjani ekuphileni kwansuku zonke. Lokhu kwenza kube lula kakhulu ukwenza izinqumo ezinolwazi ezizoba nemiphumela emihle esikhathini eside, ukuthi uzokhokhela yini isikole, i-mortgage yendawo yokuhlala, ukuhlela umhlalaphansi, phakathi kwezinye izinto.
Izincwadi ezibalulekile zemfundo yezezimali
Ukusiza ekunciphiseni ukuthi osozimali abakhulu nosozigidigidi kuphela abangasebenzisa isu elenza kube lula kubo ukonga nokutshala imali, kuhle kakhulu. Ochwepheshe emkhakheni wezezimali zomuntu siqu nezenhlalo babhale izincwadi ezihloselwe ukusiza “abantu abavamile,” labo abakuthola kunzima ukukuqonda imali isebenza kanjani. Lezi yizincwadi eziyi-10 ezihamba phambili zemfundo yezezimali.
1. Ubaba Ocebile, Ubaba Ohluphekile (1997)
Yabhalwa nguRobert Kiyosaki noSharon Lechter. Encwadini utshela, ngendlela engavamile futhi engokomfanekiso, imfundo yezezimali u-Kiyosaki ayithola ku-"Rich Dad" wakhe e-Hawaii.. Amaphuzu afaneleka kakhulu ahlobene nokubaluleka kokuqeqeshwa ngokwezimali, nokuthi abantu abaningi abazi kanjani ukusebenzisa ama-corporation. Umsebenzi wethula imiqondo eyisisekelo mayelana nemali, kodwa awunikezi izeluleko ezisebenzayo.
2. Imfundo Yezezimali Ethuthukisiwe iqala kusukela ekuqaleni (2013)
Ukufunda ukuphatha imali kungenye yezinto ezibaluleke kakhulu umuntu angazibandakanya kuzo kukho konke ukuphila kwakhe. Kungakhathaleki umsebenzi womuntu noma umsebenzi, wonke umuntu udinga ukwazi ukuthi iholo lakhe lisetshenziswa kanjani. Le ncwadi, ngolimi olulula nolusebenzayo, kuchaza hhayi kuphela ukuthi izikweletu kufanele ziphathwe kanjani, kodwa futhi zibonisa ukuthi imali ayisona isiphetho, kodwa indlela.
3. Imfundo Yezezimali: Eyabazali nezingane (2016)
U-Alberto Chan uvula umnyango wemfundo yezezimali ukuze abafundi bathuthukise amakhono okuphatha imali yabo. Umbhali ichaza ukuthi yiziphi izinhlobo zezikweletu, uliqala kanjani ibhizinisi ngaphandle kwemali, indlela yokuthola imali engenayo ngaphandle komholo omkhulu, yimaphi amasu angcono kakhulu okonga nokuchitha, indlela yokuphatha umnotho wasekhaya neminye imiqondo eminingi.
4. Indoda ecebe kakhulu eBhabhiloni (2004)
UGeorge S. UClason uthembisa isifundo sendlela yokuthola impumelelo nokuxazulula izinkinga zezimali. Umbhali uthi, ngala makhasi, kuzokwazi ukukhuluphalisa iphakethe lakho futhi ujabulele leyo mpilo yemali esiyifisayo sonke. Lapha kusetshenziswa imithetho eyisisekelo yezomnotho eyavela eBabiloni lasendulo, futhi kutuswa kulabo abafisa ukuceba.
5. Isonto lokusebenza lamahora ama-4 (2016)
UTimothy Ferriss wabhala enye yalezo zincwadi eziqinisekisa ushintsho emahoreni angama-48. Umbhali uhlongoza ukuthi kumiswe ukuhlehlisa ukuphila kuze kuthathe umhlalaphansi, futhi siqale ukwenza yonke leyo misebenzi esiyilangazelela kakhulu manje, ngoba bathi asikho isidingo sokulinda. Ngakolunye uhlangothi, ulandisa ukuthi wasuka kanjani ekuholeni amaRandi angu-40.000 80 ngonyaka esebenza amahora angu-40.000 ngesonto waze wahola u-$4 ngenyanga esebenza amahora amane ngesonto.
6. Umtshali-zimali ohlakaniphile (1949)
Incwadi kaBenjamin Graham yaphefumulela uWarren Buffett ngokwakhe. Lo msebenzi ungowakudala emhlabeni wokutshalwa kwezimali, futhi Kubhekwa njengebhayibheli labasizi bezimali emhlabeni jikelele. Elinye lamacebiso akhe aphezulu “ukutshala imali kwenani,” okubandakanya indlela yokuthuthukisa uhlelo olunengqondo lokuthenga amasheya nokwandisa inani lazo. Amasu okuxoxwe ngawo lapha asekelwe ekuziphatheni nasekucwaningeni.
7. Incwadi encane yokutshala ngomqondo ophusile (2016)
Njengoba kushiwo esihlokweni, lo msebenzi kaJohn C. Bogle uchaza umqondo ovamile njengensika ephakeme kakhulu yezimali zomuntu. Umbhalo uchaza ukuthi indlela elula yokutshalwa kwezimali ukuba umnikazi wazo zonke izimpahla zezwe ezisohlwini lwemakethe yamasheya. ngezindleko eziphansi kakhulu, njengoba lokhu kuqinisekisa ukuthola ingxenye ehambisanayo yenzuzo eyenziwa yizinkampani.
8. Ubuciko bokwenza imali (2007)
UMario Borghino ubonisa ukuthi impumelelo emalini yomuntu siqu ayincikile emholweni owuholayo, kodwa kulokho okwenzayo ngawo nendlela osabela ngayo ekutholeni inkokhelo. Futhi, phendula imibuzo njengokuthi kungani usozigidi engusozigidi nokuthi umuntu usuka kanjani ekubeni mpofu abe yisicebi. Ngokunjalo, uyaqinisekisa ukuthi ukuzuza okuningi akuncikile ekusebenzeni kakhulu.
9. ikhodi yemali (2009)
Kunesisho esidume kakhulu esithi “Akuyena umuntu ocebile onokuningi, kodwa lowo odinga okuncane”, futhi lokhu kuyinto uRaimón Samsó Queraltó akwazile ukuyibeka isibonelo encwadini yakhe. Ngokusebenzisa indlela esebenzayo, umbhali ichaza indlela yokuthola inkululeko yezezimali nokugcina ubuhlobo obungcono nemali ukwenza umnotho ngokwawo uchume.
10. Usozigidi ozenzakalelayo (2006)
Omunye umbhalo othi wenza izimangaliso ngehora yilo kaDavid Bach. Umsebenzi uqala ngendaba yombhangqwana ojwayelekile waseMelika, umphathi kanye ne-beautician, abangakwazi ukuthola imali engaphezu kuka-$ 55.000 ngonyaka. Ngale ndaba, Umbhali ukhuthaza indlela elula yokwenza imali isebenzele ophethe hhayi ngenye indlela.
Ayikho imikhiqizo etholakele.