Chiyambi
M'dziko lamakono, momwe chuma ndi teknoloji zimayenderana, kufunafuna ndalama zofulumira komanso zosavuta Yakhala nkhani yobwerezabwereza yosangalatsa. Anthu ambiri amafunafuna mipata yomwe imawalola kupanga ndalama molimbika komanso munthawi yochepa, koma m’pofunika kukumbukira zimenezo pezani ndalama M'lingaliro limeneli sizikhala zophweka monga momwe zimawonekera. M'nkhani ino, tiwona njira zina zosiyanasiyana ndikupereka chidziwitso chofunikira cha momwe tingakwaniritsire cholingacho moyenera komanso mwalamulo.
1. Pangani ndalama mosavuta komanso mwachangu: Njira ndi njira zogwirira ntchito
Palibe njira zazifupi zofikira pezani ndalama zosavuta komanso zachangu, koma pali njira zabwino ndi njira zomwe zingakuthandizeni kukwaniritsa zolinga zanu zachuma m'nthawi yochepa kuposa momwe mukuganizira. Imodzi mwa njirazi ndikugulitsa pa intaneti. Kupyolera mu ndalama mapulatifomu monga Forex kapena cryptocurrencies, mutha kutengapo mwayi pakusinthasintha kwa msika kupanga ndalama zowonjezera. Komabe, ndikofunikira kuti mudziphunzitse nokha ndikukhala ndi chidziwitso chokhazikika pamisika iyi kuti muchepetse zoopsa ndikukulitsa phindu lanu.
Njira ina yothandiza kupeza ndalama kufulumira ndi malonda ogwirizana. Bizinesi iyi imakhala ndi kukwezera zinthu kapena ntchito za chipani chachitatu ndikulandila ntchito iliyonse yogulitsa kapena kuchitapo kanthu kudzera pa ulalo wothandizana nawo. Mutha kugwiritsa ntchito luso lanu malonda a digito kupanga omvera ndi kupanga ndalama mosasamala. Kuphatikiza apo, pali nsanja zapadera pakutsatsa kogwirizana komwe kumathandizira kuti ntchitoyi ichitike ndikukupatsirani zida zoyezera zotsatira zanu.
Ngati mukuyang'ana njira yachangu yopangira ndalama, lingalirani zopereka ntchito zongodzipereka pa intaneti. Kuchokera pa zolembera mpaka zojambulajambula, pali maluso osiyanasiyana omwe mungapereke ngati freelancer pamapulatifomu odzipatulira ngati Upwork kapena Fiverr. Simufunika ndalama zazikulu zoyambira ndipo mutha kugwira ntchito kuchokera panyumba yanu. Komabe, kumbukirani kuti mpikisano ukhoza kukhala wokwera, chifukwa chake ndikofunikira kuwunikira zomwe mwakumana nazo komanso luso lanu kuti mupeze makasitomala abwino komanso ntchito zolipira bwino.
Kumbukirani kuti chilichonse njira kapena njira yomwe mungasankhe pezani ndalama zosavuta komanso kufulumira kumafuna kudzipereka, khama ndi kuleza mtima. Musamayembekezere zotsatira za nthawi yomweyo, koma yesetsani kukwaniritsa zolinga zanu zachuma. Chofunikira ndikupeza njira yomwe ikugwirizana bwino ndi luso lanu, zokonda zanu, ndi zida zanu, ndikukhalabe ndi malingaliro okhazikika pakukula ndikusintha kosalekeza. Musazengereze kufufuza njira izi ndikupanga njira yanu yopita kuchuma!
2. Mwayi wa ntchito pa intaneti: Gwiritsani ntchito luso lanu ndi chidziwitso chanu!
Pakadali pano, pali mwayi wochuluka wa ntchito zapaintaneti zomwe zingakuthandizeni gwiritsani ntchito bwino luso lanu ndi chidziwitso chanu. Ntchito yamtunduwu yakhala yotchuka kwambiri chifukwa cha maola ake osinthika komanso kuthekera kopeza ndalama kuchokera ku chitonthozo cha nyumba yanu. Ngati mukuyang'ana pezani ndalama mwachangu komanso mosavuta, pansipa tikukupatsani zosankha zomwe zingakusangalatseni:
1. Freelancing: Ngati ndinu katswiri mdera lililonse, monga zojambulajambula, kupanga mapulogalamu kapena kulemba, mutha kupereka ntchito zanu ngati freelancer. Pali nsanja ngati Upwork kapena Freelancer komwe mungapeze makasitomala omwe amafunikira chidziwitso chanu. Izi zikuthandizani kugwira ntchito zosangalatsa, kukhazikitsa mitengo yanu ndi ndandanda.
2. Maphunziro a pa intaneti: Ngati ndinu katswiri paphunziro kapena muli ndi luso lomwe mungaphunzitse, mutha kukhala mphunzitsi pa intaneti. Pali nsanja ngati Tutor.com kapena Preply komwe mungapereke makalasi pamitu yosiyanasiyana, zilankhulo kapena maluso. Njira iyi ikuthandizani kuti muzigwira ntchito kulikonse, khalani ndi mitengo yanu, ndikuthandizira ena kukwaniritsa zolinga zawo.
3. Mandalama anzeru: Chulukitsani mapindu anu mosamala
Ndizotheka kupeza ndalama mwachangu komanso mosavuta kudzera muzinthu zanzeru zomwe zimakulolani kuchulukitsa phindu lanu mosamala. Kuti mukwaniritse izi, ndikofunikira kukhala ndi dongosolo lolimba komanso upangiri wa akatswiri, poganizira njira zosiyanasiyana zopangira ndalama zomwe zimagwirizana ndi zosowa zanu komanso mbiri yanu yowopsa.
Imodzi mwa njira zodziwika bwino zopezera ndalama mwachangu komanso motetezeka ndi kudzera inversiones pamsika za values. Msika uwu umapereka kusiyanasiyana kwa magawo ndi ndalama zandalama zomwe zimaloleza kupeza zobweza kuposa avareji, bola kusanthula kokwanira ndi kuyang'anira kukuchitika. Kuphatikiza apo, ndikofunikira kusinthiratu mbiri yanu yoyika ndalama kuti muchepetse zoopsa ndikukulitsa phindu.
Njira ina yofunika kuiganizira ndi ndalama zogulitsa nyumba. Msika wogulitsa nyumba umapereka mwayi wopeza ndalama mwa kubwereketsa malo, komanso pogula ndi kugulitsa malo ndi nyumba. Komabe, ndikofunikira kuchita kafukufuku wamsika wamsika ndikukhala ndi gulu labwino la akatswiri kuti akulangizeni popanga zisankho.
4. Zida ndi ntchito zopangira ndalama zowonjezera
Masiku ano, chifukwa cha kupita patsogolo kwaukadaulo, pali zambiri zida ndi mapulogalamu zomwe zingakuthandizeni kupanga ndalama zowonjezera mwachangu komanso mosavuta. Zida ndi ntchitozi zimatengera mitundu yosiyanasiyana yamabizinesi, monga kutsatsa kogwirizana, kugulitsa zinthu za digito kapena kuchita ntchito kapena ntchito zolipidwa.
Chimodzi mwazinthu zodziwika bwino zopangira ndalama zowonjezera ndi kudzera malonda ogwirizana. Mtunduwu umakhala ndi kukwezeleza zinthu kapena ntchito za chipani chachitatu posinthana ndi ntchito iliyonse yogulitsa yomwe imapangidwa kudzera pa ulalo wothandizana nawo. Kuti muchite izi, pali nsanja zapadera zomwe mungapeze mitundu yosiyanasiyana yazinthu ndi ntchito zomwe mungalimbikitse. Zina mwa zida zodziwika bwino mderali ndi Amazon Associates, ClickBank ndi ShareASale.
Njira ina yosangalatsa yopangira ndalama zowonjezera ndikugulitsa zinthu za digito. Ngati muli ndi chidziwitso chapadera pamutu, mutha kupanga ndikugulitsa maphunziro anu apa intaneti, ma ebook kapena ma tempuleti. Kuti muchite izi, pali nsanja zomwe zimakupangitsani kukhala kosavuta kuti mupange ndikulimbikitsa zinthu zanu zama digito, monga Zophunzitsa, Gumroad kapena Shopify. Zida izi zimakupatsani mwayi wowongolera bizinesi yanu ya digito m'njira yosavuta komanso yotetezeka.
Kuphatikiza pa zomwe zili pamwambapa, mutha kugwiritsanso ntchito mapulogalamu ndi nsanja zomwe zimakulolani kuti muzigwira ntchito zolipidwa kapena ntchito mosavuta komanso kulikonse. Ena mwa mapulogalamuwa amayang'ana kwambiri popereka ma microtasking, komwe mungapeze ndalama pomaliza ntchito zazing'ono, monga kulemba zolemba kapena kugawa zithunzi. Mapulatifomu ena amayang'ana kwambiri msika wogwira ntchito pawokha, komwe mungapeze ma projekiti akutali ndi ntchito m'malo osiyanasiyana, monga zojambulajambula, kupanga mapulogalamu, kapena kulemba. Zitsanzo za mapulogalamuwa ndi nsanja ndi Amazon Mechanical Turk, Upwork, ndi Fiverr.
Mwachidule, pali zosankha zosiyanasiyana zida ndi ntchito zomwe zingakuthandizeni kupanga ndalama zowonjezera mwachangu komanso mosavuta. Kaya kudzera mu malonda ogwirizana, kugulitsa malonda a digito, kapena kugwira ntchito zolipidwa, zida ndi mapulogalamuwa amakupatsani mwayi wowonjezera luso lanu ndi chidziwitso kuti mupeze. ndalama zowonjezera. Onani zosankha zosiyanasiyana zomwe zilipo ndikusankha zomwe zikugwirizana ndi zomwe mumakonda komanso luso lanu. Osadikiriranso ndikuyamba kupanga ndalama zowonjezera bwino ndi ogwira!
5. Gwiritsani ntchito mphamvu ya freelancing: Gwirani ntchito pa liwiro lanu ndikupeza ndalama
Dziko la freelancing limapereka mwayi wabwino kwa iwo omwe akufuna kupeza ndalama mosavuta komanso mwachangu. Kukhala freelancer kumakupatsani mwayi wolamulira ntchito yanu ndikusankha nthawi komanso momwe mungachitire. Gwirani ntchito pa liwiro lanu ndichimodzi mwamaubwino odziwika bwino amtunduwu wa moyo wantchito. Simudzakhalanso ndi mabwana omwe akukuuzani ndandanda zanu, mudzatha kukhazikitsa nthawi zanu ndikukonzekera tsiku lanu momwe mukufunira. Ndi njira yabwino kwa iwo omwe akufuna kusinthasintha komanso kudziyimira pawokha pantchito yawo.
Ubwino wina ubwino wokhala freelancer ndikuti muli ndi mwayi pezani ndalama mwachangu ndi moyenera. Mukamachita freelancing, mutha kusintha mitengo yanu kutengera polojekiti komanso luso lanu. Kuphatikiza apo, pokhala ndi malire a nthawi, mutha kuchita ntchito zingapo nthawi imodzi ndikuwonjezera ndalama zomwe mumapeza. Chifukwa chakukula kwa ntchito zapayekha m'malo osiyanasiyana, pali mipata yambiri yopeza mapulojekiti omwe amalipira bwino ndikupeza ndalama zokhazikika.
Komabe, ndikofunikira kuzindikira kuti kuchita bwino ngati freelancer sikuwoneka kokha. pa Muyenera kukhala ndi luso loyenerera m'munda wanu ndikukhala wokonzeka kudzipereka nthawi ndi khama kuti mupange mbiri yanu ndi mbiri yamakasitomala. Ndikofunikira kuti mupereke ntchito yabwino ndikukwaniritsa nthawi yokhazikika kuti makasitomala anu akhale okhutira ndikupeza malingaliro abwino. Kuphatikiza apo, ndikofunikira kukhala ndi mwambo komanso kudziletsa kuti muzitha kuyang'anira nthawi ndi ntchito zanu. moyenera. Sikuti aliyense ali wokonzeka kukhala ndi moyo wodziyimira pawokha, koma ngati muli okonzeka, odzipereka, ndipo muli ndi luso lofunikira, mutha kugwiritsa ntchito mwayi wonse wa mphamvu ya freelancing ndi kupeza ndalama zokhazikika komanso zofunikira.
6. Kugulitsa mwachindunji bizinesi: Yambitsani njira yanuyanu yakuchipambano pazachuma
Dziko la malonda ogulitsa mwachindunji Ndi mwayi wapadera kwa iwo omwe akufuna chitani njira yake yopita kupambana pazachuma. Njira yamabizinesi iyi imalola anthu pezani ndalama mosavuta komanso mwachangu pogulitsa zinthu kapena ntchito mwachindunji kwa ogula, popanda oyimira pakati. Mosiyana ndi mitundu ina yamabizinesi, mabizinesi ogulitsa mwachindunji safuna ndalama zambiri zoyambira kapena kudziwa kale pakugulitsa.
Imodzi mwa njira zabwino kwambiri pezani ndalama mwachangu m'mabizinesi ogulitsa mwachindunji ndi kudzera mukupanga a distributor network.Polemba ntchito anthu ena ofunitsitsa kuyambitsa bizinesi yawoyawo, mutha kupindula ndi malonda omwe amapanga. Kuti izi zitheke, ndikofunikira pangani strategic plan zomwe zikuphatikiza kuphunzitsa ndi kuthandizira kosalekeza kwa omwe akugawa, komanso zolimbikitsa zolimbikitsa magwiridwe antchito awo.
Kuti mukhale opambana m'mabizinesi ogulitsa mwachindunji, ndikofunikira khazikitsani maubwenzi olimba ndi makasitomala. Izi zimatheka popereka chithandizo chabwino kwambiri, kupereka upangiri waumwini ndikuwonetsa chidwi chenicheni pazosowa zanu. Kuphatikiza apo, ndikofunikira kusinthiratu mbiri yanu yazinthu kapena ntchito, kupereka zosankha zamagulu osiyanasiyana amsika ndikukwaniritsa zosowa za makasitomala anu. Chinsinsi cha kupambana kwachuma Mu bizinesi yamtunduwu imakhala kulimbikira, kulimbikira komanso kukhudzika ndi zomwe mumachita.
7. Njira zosungira ndi zochepetsera mtengo: Chitani zambiri ndi zochepa ndikuwongolera chuma chanu
Kwa nthawi zomwe mukufuna pezani ndalama mosavuta komanso mwachangu, ndikofunikira kutengera mitundu yosiyanasiyana njira zopulumutsira ndi kuchepetsa mtengo. Njirazi zidzakuthandizani kukulitsa chuma chanu, kuchepetsa ndalama zomwe mumawononga, ndipo pamapeto pake mudzakhala ndi ndalama zambiri. Pansipa, tikupereka malingaliro kuti mukwaniritse:
- Unikani ndikusintha ndalama zanu: Ganizirani mosamala za mmene mumawonongera ndalama ndi kuona mmene mungachepetsere ndalama zimene mumawononga. Ganizirani zotsika mtengo, monga kuletsa ntchito zosafunikira kapena kulembetsa.
- Konzani zogula zanu: Musanagule, lembani mndandanda wazinthu zomwe mukufuna ndikuzifananiza m'masitolo osiyanasiyana kapena nsanja zapaintaneti. Yang'anani kuchotsera kapena kukwezedwa komwe kungakuthandizeni kusunga ndalama.
- Gwiritsani ntchito ukadaulo: Gwiritsani ntchito mapulogalamu kapena zida zomwe zimakupatsani mwayi wokonza ndalama zanu, kuwongolera zomwe mumawononga komanso kupeza zotsatsa. Tekinoloje imakupatsani njira zambiri zowongolera kasamalidwe kazachuma ndikusunga ndalama.
Yang'anani pa zolinga zanu zachuma: Ndikofunika kumveketsa bwino zolinga zanu zachuma ndi zomwe mumayika patsogolo. Fotokozani dongosolo lazachuma, khazikitsani bajeti ya mwezi uliwonse ndikusunga ndalama zomwe mumawononga nthawi zonse. Kuzindikira zolinga zanu kudzakuthandizani kukana ziyeso ndi kupewa zinthu zosafunikira.
Kumbukirani kuti kusunga sikukutanthauza kudzimana chilichonse, koma kukhala wanzeru posankha zomwe mumagwiritsa ntchito. Tengani izi njira zosungira ndalama zidzakulolani osati chitani zambiri ndi zochepa, komanso kuwongolera mkhalidwe wanu wachuma m’kupita kwa nthaŵi. Yambani kukhazikitsa malingaliro awa lero ndikusangalala ndi maubwino owongolera ndalama zanu!
Ndine Sebastián Vidal, mainjiniya apakompyuta omwe amakonda ukadaulo komanso DIY. Komanso, ine ndine mlengi wa tecnobits.com, komwe ndimagawana nawo maphunziro kuti ukadaulo ukhale wofikirika komanso womveka kwa aliyense.