Co bao gio ban ngoi tinh lai cuoi thang, nhin so du tai khoan ma tu hoi: "Minh di lam ca thang, tien di dau het roi?" Khong chi ban, rat nhieu chi em trong do tuoi 20-35 dang cam thay boi roi voi chuyen tien bac. Lam nhieu ma khong du, tiet kiem mai van it, con nguoi khac thi co ve cu tu nhien ma song ung dung hon.
Su that la nguoi giau va nguoi chua giau khong chi khac nhau o muc luong. Ho khac nhau o tu duy va thoi quen voi tien. Nhung quy tac do khong bi mat, chi la it nguoi chiu ngoi xuong de hoc va ap dung. Bai nay minh muon ke lai that don gian, khong ly thuyet, khong hoa my, chi la nhung dieu that su co ich neu ban chiu thu.
1. Ho tra luong cho ban than truoc, khong phai tra sau
Day la nguyen tac co ban nhat nhung lai la thu ma nhieu nguoi bo qua nhat. Phan lon chung ta lam theo cach nay: nhan luong, tra tien nha, mua do, an uong, choi boi, roi cuoi thang con du bao nhieu thi moi tiet kiem. Ket qua la gan nhu... khong con gi de tiet kiem ca.
Nguoi giau lam nguoc lai. Ho danh mot phan luong ra tiet kiem hoac dau tu TRUOC, roi moi chi tieu voi phan con lai. Co the chi la 10%, co the la 20%, nhung no duoc chuyen di ngay khi luong vao. Ban khong "thay" no, ban khong "nho" den no, va ban khong tieu no.
Ban co the bat dau nho thoi. Moi thang chuyen 500 nghin, roi 1 trieu, roi nhieu hon khi ban quen dan. Quan trong la lam truoc, nghi sau. Dung cho la "de du tien roi moi tiet kiem" vi cai ngay "du tien" do se khong bao gio tu den.
2. Ho hieu su khac biet giua tai san va ganh nang
Robert Kiyosaki viet trong cuon "Cha Giau Cha Ngheo" mot cau ma minh doc di doc lai nhieu lan: tai san la thu bo tien vao tui ban, con ganh nang la thu loi tien ra khoi tui ban. Don gian vay thoi, nhung ap dung vao thuc te lai kho vo cung.
Nhieu nguoi mua xe, mua hang hieu, mua nhung thu trong dep ma goi la "dau tu cho ban than". Nhung neu chung khong tao ra thu nhap, chung la ganh nang, khong phai tai san. Nguoi giau tap trung tich luy tai san that su: co phieu, bat dong san cho thue, kinh doanh tao dong tien thu dong...
Dieu nay khong co nghia la ban khong duoc mua gi dep hay khong duoc huong thu. No co nghia la truoc khi mua, hay hoi: "Thu nay lam tang hay lam giam so du cua minh theo thoi gian?" Mot cau hoi nho nhung co the thay doi rat nhieu quyet dinh chi tieu cua ban.
3. Ho khong de tien ngoi yeh trong ngan hang
Ngan hang la noi an toan de giu tien khan cap, nhung no khong phai noi ly tuong de "lam giau". Lai suat tiet kiem thuong thap hon lam phat, nghia la tien ban "ngoi yen" la tien ban dang tu tu mat gia tri.
Nguoi giau hieu rang tien can phai "di lam" thay vi "ngu dong". Ho tim cach dua tien vao cac kenh sinh loi hon: quy mo phong, co phieu, trai phieu, bat dong san, hoac tham chi cho vay ngang hang co uy tin. Ho khong nhat thiet phai giau truoc roi moi lam; ho bat dau tu so nho, hoc dan, va tang dan theo thoi gian.
Neu ban chua biet gi ve dau tu, dieu dau tien co the lam la mo tai khoan quy mo phong tich luy. Khong can nhieu von, khong can biet nhieu, chi can bat dau. Kien thuc se den khi ban trai nghiem thuc te.
4. Ho co nhieu dong thu nhap, khong chi mot
Mot trong nhung su that it ai noi thang la: phan lon nguoi giau khong chi song bang luong. Ho co the van di lam binh thuong, nhung ben canh do ho con co cac nguon thu nhap khac: cho thue tai san, loi nhuan tu dau tu, hoa hong tu gioi thieu, doanh thu tu san pham so, thu nhap tu content...
Khi chi co mot nguon thu nhap, ban de bi ton thuong. Mat viec la mat tat ca. Nhung khi co 2, 3 nguon, ban co dem va an toan hon rat nhieu. Nhieu nguoi nghi rang phai oi tien moi lam duoc the, nhung thuc ra nhieu nguon thu nhap phu bat dau rat gian di. Co the la ban cai gi do cuoi tuan, viet blog, nhan gia su, lam freelance, hoac cho thue do dung khong dung den...
Ban khong can lam tat ca cung mot luc. Chi can bat dau voi mot viec nho, lam tot, roi mo rong dan. Muc tieu la: neu ngay mai ban mat viec chinh, ban van co thu nhap tu dau do de trang trai trong khi tim viec moi.
5. Ho dau tu vao ban than truoc khi dau tu vao bat cu thu gi khac
Day co le la dieu bi hieu lam nhieu nhat. "Dau tu vao ban than" khong co nghia la mua son moi hay quan ao dep hon. No co nghia la chi tien de tang kha nang kiem tien cua chinh minh.
Nguoi giau san sang chi tien cho: sach, khoa hoc ky nang, thay co mentor co kinh nghiem, su kien networking, cong cu giup ho lam viec hieu qua hon. Ho nhin nhung chi phi nay nhu dau tu, vi no se quay lai duoi dang thu nhap cao hon, co hoi tot hon, hoac tiep kiem thoi gian de lam nhung viec quan trong hon.
Mot cuon sach 200 nghin co the thay doi cach ban suy nghi ve tien. Mot khoa hoc online 2 trieu co the day ban ky nang kiem them 5-10 trieu moi thang. Nhung dieu do chi xay ra neu ban thuc su ap dung, khong chi mua roi de do.
6. Ho khong so thua lo, nhung ho quan ly rui ro rat ky
Co mot quan niem sai lam pho bien la nguoi giau khong bao gio thua lo. That ra ho thua lo nhieu hon ban nghi. Nhung ho hoc duoc tu that bai va khong de mot that bai nao nhan chim tat ca.
Ho khong bao gio bo tat ca trung vao mot ro. Ho da dang hoa danh muc dau tu. Ho co quy du phong de khi mot kenh bi am ho van con cac kenh khac bu vao. Ho dat ra gioi han mat mat ro rang truoc khi tham gia bat cu co hoi nao. Va quan trong nhat, ho khong vay tien de dau tu vao thu chua co kien thuc day du.
Ban khong can tranh ne rui ro hoan toan, vi lam vay ban cung tranh ne ca co hoi. Nhung ban can hieu rui ro minh dang nhan, va dam bao no nam trong muc ban co the chiu dung neu moi thu di xau.
De Lam Gi Voi Tat Ca Nhung Dieu Nay?
Doc xong mot bai the nay, cam giac hay la "biet roi, nhung ma lam the nao bay gio?" Minh hieu. Khoang cach giua biet va lam la khoang cach xa nhat the gioi.
Nhung minh nghi the nay: ban khong can lam ca sau dieu tren cung mot luc. Chi can chon mot dieu cam thay don gian nhat voi ban hien tai, va bat dau tuan nay. Co the la chuyen 500 nghin vao tai khoan tiet kiem rieng. Co the la doc mot cuon sach ve tai chinh ca nhan. Co the la ngoi tinh lai xem thang nay tieu nhieu nhat vao chuyen gi.
Tien bac khong phai thu sinh ra de hieu kho hay xa xoi. No chi la mot cong cu, va cong cu nao cung co the hoc cach dung tot hon. Ban hoan toan co the bat dau tu hom nay, tu noi ban dang dung, voi nhung gi ban dang co.
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