Umxholo
- Ndenze i $ 27,000 ... kwaye ndaphantse ndalahlekelwa ngumfazi wam
- Ndandisendleleni eya kwisigidigidi ngeminyaka engama-38
- Indlu ye-2 yokurenta
- Malunga neenyanga ezi-6, umfazi wam wayephelile
- Umtshato wethu ... Ukuxhoma ngentambo
- Isifundo esifundwayo
- Ubomi bungaphezulu kakhulu kwemali
- Yintoni ebaluleke ngakumbi imali okanye ubudlelwane?
- Kutheni ubudlelwane bakho bubaluleke ngaphezu kwemali?
- Imali yakho okanye umfazi wakho
Yonke le nto yaqala xa umhlobo kaMama wam efumanisa ukuba mna naye sinomhla wokuzalwa ofanayo- wayeneminyaka engama-30, kwaye ndandineminyaka emi-5 okanye 6. Kubonakala kungaqhelekanga namhlanje, kodwa kuyabonakala ukuba ke Ndonwabile kuba enike uMama wam imali eyi-19 yeedola ukuhlonipha umhla wam wokuzalwa kaMeyi we-19. Yile ndlela iqale ngayo iakhawunti yam yokonga, kwaye ukusukela ngoko, akukho suku ludlulayo ndingakhange ndicinge ngendlela yokukhulisa le mali, ukongeza kuyo, kwaye ekugqibeleni ndingaphila njani kwiiasethi zam kwaye ndibe ngusozigidi .
Ndenze i $ 27,000 ... kwaye ndaphantse ndalahlekelwa ngumfazi wam
Ngokukrakra, ndandixhalabele imali.
- Xa ndandineminyaka eli-9 ubudala, ndenza iikhabhathi zezihlangu ndazithengisa kwiimarike zentakumba.
- Nge-12, ndandicheta kwaye ndikhula ukhula ndibetha iiyadi zabamelwane
- Kwaye, xa ndandineminyaka eli-14 ubudala, ndandisebenza ngokusisigxina ehlotyeni kwindawo yokugcina izityalo.
Ubundlobongela buqale kwangoko, kodwa abuzange buphele kuloo minyaka yokuqala.
- Ngeminyaka engama-26 ubudala, ndandinesidanga sasekholejini kwaye ndiwahlawula onke amatyala am
- Kwiminyaka engama-30, ikhaya lam lahlawulwa ngokupheleleyo kwaye ndandineedola ezingama-40,000 kwiiakhawunti zam zomhlalaphantsi
- Kwiminyaka embalwa kamva, ndatshata kwaye kungekudala ndahlawulela indlu yokuqeshisa ngemali.
Ndandisendleleni eya kwisigidigidi ngeminyaka engama-38
Kwakubonakala ngathi ndiphumelele ngokupheleleyo. Ukusuka ngaphandle kujonge ngaphakathi, kubonakala ngathi ndingomnye wabo "banethamsanqa". Imali yam yayixinene kwaye kubonakala ngathi akukho nto izakundinqanda!
Kwaye kwenzeka oko ...
Isigqibo esiphantse ukundophula.
Indlu ye-2 yokurenta
Sifumene idayimane erhabaxa. Ngokwenyani ... safumana amalahle erhabaxa kwaye sagqiba kwelokuba sizame ukuyilungisa ibe yidayimani ...
Konke ukuhlekisa ecaleni, safumana indlu nge-75,000 yeedola enokubiza i-100,000 yeedola. Kwaye, konke ukulungiswa kuya kuba malunga ne-135,000 yeedola. Isicwangciso sethu yayikukuyiqeshisa malunga ne- $ 1,300 ngenyanga, eyayiza kusibambisa malunga ne-13% ngonyaka kutyalo-mali lwethu. Hayi kakhulu!
Ingxaki kuphela (iinkcukacha ezincinci apha) ... yayinuka umchamo wekati, inja emanzi, kunye nomsi ... kuyo yonke indawo.
Ngokuqinisekileyo bekufanele ukuba ndiyifumene kwasekuqaleni, kodwa indlu yayingumsebenzi opheleleyo wamathumbu. Sazidiliza iindonga ezenziwe ngamaplanga, isilingi nemigangatho. Mna nenkosikazi yam sayiphatha le demo. Oko kuphela kusithathe malunga neeveki ezi-3 ...
Yonke le projekthi yendlu yeyam ... kwaye yathatha malunga neenyanga ezisi-8.
Ndisebenze ekuseni ngaphambi kokuba ndisebenze ngo-8: 5-5. Ndisebenze ebusuku emva kokuba umntwana wethu eye kulala. Kwaye, bendisebenza kakhulu ngeMigqibelo nangeeCawa ukuzama ukwenza isifotho kule ntlekele-yendlu.
Malunga neenyanga ezi-6, umfazi wam wayephelile
- Ndabona intombi yam ngokuhlwa, kodwa ndandilahleka ngokupheleleyo ngeempelaveki
- Mna nomfazi wam mhlawumbi saya kumhla omnye ngelo xesha
- Ngokukhulelwa kwakhe umntwana wethu wesibini, wayenexhala lokuba le izakuba yinto yethu eqhelekileyo ... ukusebenza, kwaye sisebenze ngakumbi, ngelixa besisebenza ecaleni (ndaye ndakhankanya ukuba bendisebenzisa ibhlog yam ngalo lonke ixesha Nale ??)
Umtshato wethu ... Ukuxhoma ngentambo
Ngexesha ndibeka ipeyinti yokugqibela kule ndlu yeprojekthi isuka esihogweni, besixabana phantse busuku ngabunye kwaye kufuneka siqale iiseshini zokucebisa ukuze singathathi “iingxoxo” kude kakhulu kwaye senze okanye sithethe into esiza kuyithetha. ukuzisola ngobomi.
Sasisazi ukuba sifuna ukuhlala kunye, kodwa le ndlu yayisiqhekeza. Ukuphela kweprojekthi, unkosikazi wam wabeka unyawo phantsi kwaye ndaye ndathengisa loo ndlu- ikakhulu ngenxa yokuba wayengenakuyijonga ngaphandle kokutsha ngumsindo nosizi.
Ewe ndenze i $ 27,400, kodwa ndaphantse ndalahlekelwa ngumfazi kule nkqubo.
Isifundo esifundwayo
Ngelixa le ibingelinye lawona manqaku asezantsi emtshatweni wethu, isifundo endisifundileyo sesinye endinombulelo ongunaphakade kuso.
Njengoko benditshilo ekuqaleni kwesi sithuba ... Ndiyakuthanda kakhulu ukwenza imali.
- Ngumnqweno,
- umdla,
- kunye nemincili.
Ayisiyo malunga nokuthenga iimoto, ukubonisa izindlu zam ezinkulu, kwaye ayisiyiyo eyokubonelela abantwana bam ngobomi obubhetele. Yonke le nto ngumdlalo nje kum (njengoWarren Buffett ndiyaqikelela).
- Ndingakhawuleza kangakanani ukuba ngusozigidi?
- Kuthiwani nge-deca-millionaire?
- Kwinqanaba lokukhula kwe-15%, ndingayiphinda kabini imali yam yonke iminyaka emi-5 ... mhlawumbi ndingade ndiyifumane ibhiliyoni! Ngaba ayizukumangalisa nje loo nto ??!
Oku bekuhlala kuyimbono yam. Ndingaba sisityebi se-uber kwaye ndinamandla amakhulu, kwaye yonke into iya kulunga, akunjalo?
Mhlawumbi akunjalo...
Ngapha koko, ndingangatshati, ndililolo, kwaye ndingonwabanga kakhulu ... kwaye ndicinga ngendlela yokwenza imali ngakumbi.
Kwintliziyo yam, bendisazi ukuba kuninzi ebomini ngaphandle kwemali kuphela, kodwa ingqondo yam yayihlala ndicinga ngeendlela zokufumana ngaphezulu, ukufumana okungakumbi, kunye nokuba ngaphezulu. Kodwa yeyiphi inqaku lokusebenza nzima kangaka kubutyebi obunje ukuba uza kushiyeka ulusizi ekugqibeleni?
Ubomi bungaphezulu kakhulu kwemali
Kuyinyani. Nalu uluhlu lokungqina. Kukho:
- ubudlelwane,
- amava,
- izinto zokomoya,
- ubuhlobo obutsha,
- impilo / impilo,
- ubukrelekrele, kwaye
- ukukhula komsebenzi.
Yintoni ebaluleke ngakumbi imali okanye ubudlelwane?
Ewe, zombini zibalulekile. Ubomi ngekhe buhle ngobuhlobo nje kwaye kungekho mali. Ngapha koko, zininzi 'n' izizathu zokuba imali ibalulekile kulwalamano ngalunye.
Ngaba imali ibalulekile kuthando nakubomi?
Ewe, kodwa imali yinto enye kuphela eyathetha ngevili elithetha i-7. Ukuba ndingafezekisa loo njongo kwaye ndiyibulale ngokungafani nenye ... ivili lobumnandi lobomi bam liya kushiywa lingaguqukanga. Ndingabambeka, ndingakwazi nokushukuma kuba ivili lam lobomi alinakuxhaswa.
Kutheni ubudlelwane bakho bubaluleke ngaphezu kwemali?
Imali iyodwa ayinakusombulula zonke iingxaki ebomini bakho.
Ngethuba lobomi bethu oboyikekayo xa mna nenkosikazi sasingathethi omnye nomnye, ndiyavuya ukuba ukakayi lwam olungqindilili lwaluqala ukophuka kwaye luqonde lo myalezo. Ukusukela ngoko, ugxininiso lwam lusukile kwimo yam yengqondo kuphela ...
- Sibaleka / sinyuka ngakumbi,
- Sibamba iminyhadala yentlalo endlwini yethu (sifudukile kutshanje sathenga indawo engenangqondo kwezemali ... bekumnandi ...;))
- Ndifunde ngaphezulu kweencwadi zezezimali ngoku. Ndiye ndadibanisa iincwadi zokomoya, ubudlelwane, kunye nohlobo lomntu. Ndiyayithanda.
- Kananjalo, kuba ndingakhange ndibonise ukusebenza kujongeka njenge zombie mva nje, ndinyuselwe kwaba kanye kwaye ndinokufumana enye kungekudala.
Imali yakho okanye umfazi wakho
Wakhe weva ngencwadi, "Imali yakho okanye uBomi bakho"? Yincwadi emnandi ekhangela iindlela ezimbini eziphambili ezinokuthathwa ngabantu. Nokuba banokusebenzela imali kwaye baqokelele isipha sezinto apha endleleni, okanye banokufumana kwaye bachithe kuphela oko bakufunayo kwaye bonwabele isixa esikhulu sobomi babo benene bephila ... kwaye bengasebenzi.
Amava am amva andikhokelela ekubeni nditshintshe ngengqondo isihloko esithi, "Imali Yakho okanye Umfazi Wakho".
Nokuba ndingazama ukuphumelela ezingqondweni zezigidi kulo mhlaba kwaye ndilahlekelwe liqabane lam, okanye ndingafikelela kwimfezeko emehlweni akhe kwaye ndonwabe ngokwenyani ... ...
Ngokunyanisekileyo, ngoku ukuba ndijonga emva kwezo zihlandlo, ndihlunguzela nje intloko kubo bonke abo baxoshe imali ngaphandle. Ngexesha elithile ebomini babo (ngokunokwenzeka ukuya esiphelweni ...), bayakuqonda ukuba ukuleqa imali sisifiso sobudenge. Ukuleqa uthando, amava, kunye nokunceda abanye ...
Uza kukhetha eyiphi? Iyakuba yimali yakho okanye ngumfazi wakho ??