كيف تصبح مليونيرا

3 أخطاء مالية غبية يقوم بها الجميع تقريبا

ماذا تعرف عن الاخطاء المالية الشائعة بين الناس والتي تتسبب لهم في مشاكل مالية كبيرة ؟ إذا لم تكن تعرف الإجابة فعلى الأغلب أنت في طريقك إلى الكارثة المالية، إن لم يحدث هذا اليوم فسيحدث في أقرب وقت.

إن من أكبر الاخطاء المالية التي من الممكن ترتكبها هي ان تعيش على انتظار الراتب شهريا، ومهما كنت تتوقع ان الراتب لايكفي الحاجة لابد من التوفير والتركيز دوما على الضروريات والابتعاد عن الكماليات من افضل الحلول المجربة في عالم الاقتصاد.

إليك أكثر ثلاث أخطاء مالية انتشارا متبوعة بنصائح وحلول لتجنبها في المستقبل، وان كنت تعاني من مشاكل مالية حاليا بالامكان التقليل منها اذا ابتعدت عن هذه الاخطاء.

الخطأ 1 : عدم معرفة النفقات الشهرية

“الغريب، وهو أمر يتعلق بمعارفي الأثرياء هو أنه لا أحد يعرف نفقاته الشهرية. العزب، المتزوجزن ، العجائز، جميع الأشخاص لا يعرفون كم ينفقون للحياة خلال 30 يوما وهذا خطير جدا”.

الحل: معرفة النفقات ووضع ميزانية لها “دون كل شيء. كل نفقاتك وكل مكاسبك. كل مصادر الدخل الإضافية. دونها في مذكرة بكل التفاصيل خلال 90 يوما. استخدم ورقة وقلما، إذ أنك لن تحتاج إلى حاسوب حتى. ثم افعل ما يجب فعله، ضع ميزانية حسب النفقات والتزم بها”.

الخطأ 2 : الإنفاق أكثر من الكسب

“عندما لا تعرف دخلك ونفقاتك تخاطر بألا تنجح من الناحية المالية. على الأغلب ستكتشف أنك نتفق أكثر مما تكسب”.

الحل: قم بالتوفير وبأسرع وقت “السر هنا في التنظيم. أنفق أقل ووفر أكثر. غير نمط حياتك، لأنه عندما تنفق أكثر تصبح مدينا وقد يؤثر عليك هذا بدرجة كبيرة”.

الخطأ 3 : تجميع الديون على البطاقة الائتمانية

“البطاقة الائتمانية أمر مرعب. لا تصدر واحدة لنفسك مهما كان، ولا تصدر عدة بطاقات أبدا، إذا لن تستطيع أن تسدد فوائدها كل شهر دون استثناء. وحتى في هذه الحالة يُنصَح بتجنبها”.

الحل: تخلى عن هذه البطاقات أبدا “سدد ديونك على بطاقاتك الائتمانية ثم تخلص منها. لن تندم على هذا. هذا أفضل ما يمكن أن تفعله لكي تربح الآن”.

السابق
5 أفلام لا بد أن يشاهدها كل مهتم بريادة الأعمال
التالي
10 نصائح للنجاح في عالم المال والاعمال

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