El I-Cash Flow Quadrant yincwadi kaRobert Kiyosaki.. Isibalo sakhe saziwa kakhulu kubantu abaningi abanentshisekelo kwezezimali ikakhulukazi "enkululekweni yezezimali". I-Cash Flow Quadrant ilandela kusukela kumsebenzi wakhe wobuciko owubuciko othi "Rich Dad Poor Dad," futhi i-quadrant ihloselwe ukuba umhlahlandlela wengqondo kubafundi ukuze bafunde ubuciko bokusebenza kwengqondo ukuze bathole inkululeko yezezimali.
Kulesi sihloko sizogxila ekuqondeni nasekuchazeni ukuthi iyini i-quadrant yemali. sizobona futhi yiziphi izimo zengqondo ezithatha i-4 quadrants ngayinye, futhi yiziphi izeluleko u-Kiyosaki azinikezayo zokuhamba ukusuka kolunye uhlangothi ukuya kolunye. Ngokulandelayo, uhlobo lwengqondo izinhlobo zomuntu ezitholakala kuyo, nokuthi zilandela maphi amaphethini ngokwemfundo kanye nendawo okuhlala abantu abahlukene. Uma ufuna ukufunda okwengeziwe mayelana nendlela yokusebenzisana nemali, qhubeka ufunda!
Iyini i-quadrant yokugeleza kwemali?
URobert Kiyosaki's Money Flow Quadrant ukuhlukanisa abantu ngokwendlela yabo yokuziphilisa. Kuyo, ugcizelela ukuthi ukuze sizuze inkululeko yezezimali kufanele sibe kwesokudla se-quadrant. Isizathu esikhulu ukuthi abantu abasohlangothini olufanele bathola imali engenayo ezindleleni zabo. Lokhu kubenza banganciki kakhulu esikhathini ukuze bathole iholo, yingakho benesikhathi esiningi ezimpilweni zabo ezintweni abazithandayo kunabantu abasohlangothini lwesobunxele.
Umbhali naye uyakugcizelela ukuthi lokhu ikhiqizwa ngenxa yemfundo yezomnotho abantu abaye bakuthola ebuntwaneni babo. Ukuba ezimweni eziningi kuncane kakhulu noma kungabi bikho. Lokhu kukhuthaza ukuziphatha okungafanele uma inhloso kuwukukhululeka ngokwezimali. Futhi-ke, kuyisizathu esiyinhloko sokuthi, ngokushintshanisa "ukuphepha" kanye nokwenqaba okukhulu kwengozi, iningi labantu liqashwe, okungukuthi, i-quadrant "E".
Noma kunjalo, i-quadrant yokuhamba kwemali izama ukuveza indlela yokucabanga yohlobo ngalunye lomuntu, kanye nemikhuba evamile. Okulandelayo, sizobona ukuthi i-quadrant ngayinye yenziwa ngabantu abanjani.
E-Employee
Umsebenzi okukhulunywe ngaye u-Kiyosaki yinoma yimuphi umuntu osebenza ngaphansi kwemiyalo yomunye umuntu noma isiqondiso. Kungaba kusuka kusisebenzi sasefekthri, kumphathi, kuye kumongameli wenkampani. Izinzuzo ukuthi isisebenzi siphishekela inhloso Yilezi ezilandelayo:
- Ezokuphepha Yazi ukuthi yebo noma yebo uzoyithola i-payroll yakho.
- Yiba neholo elihle. Into asezoyifundela noma elwela izikhundla ezingcono.
- Inzuzo. Noma iyiphi enye ibhonasi ongayithola, kusukela kumakhomishini, izinkokhelo ezimbalwa ezengeziwe, inketho yokuthuthukisa, njll.
Naphezu kwalokhu, uRobert Kiyosaki uveza okulandelayo Amaphuzu amabi:
- Ukwesaba Ukuphepha kuwumphumela wokwesaba ukwehluleka uma ufuna ukwenza.
- Ukungazinzi. Ezikhathini zamanje, ngeke kuthathwe kalula ukuthi ezinye izinsizi ngeke zize.
- Ukungaqiniseki. Ukuvikeleka komsebenzi kungafika ngaphambi kwemali, futhi ngisho nokwazi ukuthi isithembiso esihle singase siphume kwenye indawo, akashintshi ngenxa yokwesaba ukuthi sizokonakala.
Le quadrant imele iningi labantu. Iningi labo lisuka emindenini lapho lisifundise khona ukuthi into engcono kakhulu ukuthi lifundele imfundo esezingeni eliphezulu, lithole amamaki amahle, lithole nomsebenzi oholela kahle. Inkinga enkulu eqhamukayo ukuthi awukwazi ukuhola imali uma ungasebenzi, futhi inqubo ichazwa yimibandela yenkampani umuntu akuyo.
A-Uzisebenzayo
Into yesibili ku-cadflow quadrant ibhekisela kumuntu ozisebenzayo, owaziwa nangokuthi ozisebenzayo. Njengomsebenzi imali engenayo ingase ibe sengozini uma lowo muntu engekho. Kungakhathaliseki ukuthi ngeholide noma ukugula. Ngakho-ke kuthiwa ama-freelancers "akaguli", okusho ukuthi akekho othatha umsebenzi wakhe uma lowo muntu engekho. Yiziphi izici abantu abanazo abangaphansi kwesambulela sokuba "ngumphathi wabo".
- Ukuzimela. Abancikile emsebenzini wanoma ubani, futhi bazethemba ngokwanele ukuze baqhubekele phambili. Futhi abancikile kuma-oda avela kothile ngaphezulu, ngale kwamakhasimende abo.
- Umsebenzi onzima. Uma usebenza kanzima, izinzuzo kufanele zibe phezulu. Isizathu futhi sokuthi kungani amahora amaningi anikezelwe.
- ukuthanda ukuphelela Zama ukwenza okusemandleni akho ukuze ube negama elihle.
Ngaphakathi kuyo kukhona abantu abasebenza njengama-accountants, odokotela, abameli, abanesitolo sabo, kungaba izingubo, ukuhlanza izingubo noma ukubonisana ngokwengqondo, phakathi kwabanye abaningi.
Okuthile uKiyosaki akubonisayo ukuthi iholo livela enkokhelweni yakhe ngemuva kokukhokha kuqala izindleko zakhe. Lapha iholo alifani, futhi indlela enhle yokuphuma endaweni yakho kungaba ukwakha uhlelo olukuvumela ukuthi uqashe abantu abazosebenzela lo muntu. Ngale ndlela, umuntu ozisebenzayo angathuthela endaweni yesi-3 ye-quadrant yokugeleza kwemali. Kufanele kwengezwe, lokho womabili amaquadrants e-E kanye no-S ahlanganisa abantu abangama-95%..
D-Umnikazi Webhizinisi
Bangabantu abakwazile ukwakha ibhizinisi ngohlelo lokuthi abanye abantu basebenzele bona. Kule quadrant singaqala ukukhuluma ngenkululeko yezezimali. Hhayi-ke, umnikazi webhizinisi kungenzeka angabikho ngaphandle kokumisa umsebenzi ibhizinisi lakhe elinikezelwe kuwo. Izici eziyinhloko zifaka lokhu okulandelayo:
- Kungani ngisebenza? Akusho ukuvilapha, kodwa ukufunda ukwenza nikeza abanye abantu imisebenzi, abathembe, aze azungeze nabantu abahlakaniphe kunaye. Noma yini engasiza ukuthuthukisa yamukelekile.
- Ubuholi. Ikakhulukazi ukusebenza ngokubambisana. Ngisho ubheke umengameli ozonakekela inkampani uma kwenzeka inkulu kakhulu, ephathisa imisebenzi yakhe futhi enesikhathi esiningi.
Ngokusho kukababa ocebile kaKiyosaki, wachaza ukuthi zikhona 3 izinhlobo zebhizinisi.
- eyendabuko, lapho kufanele kudalulwe khona, ukuqhubeka kwayo kuhamba kancane, kodwa kunganikeza izinzuzo ezingcono.
- i-franchise, lapho ungasebenzisa khona idumela lomkhiqizo abantu asebewazi.
- i-multilevel, lapho ukutshalwa kwezimali lapha kuphansi, akudingi ukuqeqeshwa okuningi, kodwa imali engenayo iphansi.
I-Investor
Ingxenye engezansi yequadrant yokugeleza kwemali kuhlanganisa nabacebile. Lapha akudingekile ukuthi umuntu asebenze ukuze athole imali, kodwa uwumphumela wokutshalwa kwezimali kwakhe futhi ubika imali engenayo njalo. Uma inani elitshaliwe liphezulu, izinzuzo ngokuvamile ziphezulu. Lapha akubona abasebenzela imali, kodwa yimali esebenzela bona.
Okuthile okubalulekile ukwengeza ukuthi phakathi kwawo wonke ama-quadrants, nalona Yilona elithwala ingozi enkulu kakhulu. Hhayi-ke, akukona nje kuphela ukuthi inani lemali engenayo lingafakwa engcupheni, ukulinganiswa kwengcebo yomuntu siqu kuxhumene nokuthuthuka komnotho wezindawo lapho kusebenza khona. Kodwa-ke, uma ku-A quadrant lokhu kufana nokwesaba, lapha ingozi ingabonakala njengento evuselelayo. Ake sibuyekeze amaphuzu abaluleke kakhulu ale quadrant.
- imali iyabasebenzela. Lokhu kukhiqiza imali engenayo ebavumela ukuthi balondoloze noma bathuthukise izinga labo lokuphila.
- Khetha amabhizinisi. Lesi sici sibalulekile, njengoba ukunaka kwabo okuyinhloko kugxile ekutholeni ukuthi yimaphi amabhizinisi okungawalethela ukuzinza noma ukukhula kakhulu. Impumelelo inqunywa kakhulu ukuthi bahle kangakanani ngalesi sikhathi.
- Inzalo ehlanganisiwe. Kuzanywa ukusizakala ngakho ukukhulisa inhloko-dolobha, ngoba uma kuhloswe ukuqongelela imali enkulu, inzalo ehlanganisiwe yokutshalwa kabusha kwenzuzo isiza ukuthi kwenzeke.
Iziphetho Ze-Cash Flow
Sikwazile ukubona ukuthi abantu abasohlangothini lwesokunxele bavame ukuba yibona abasebenza kanzima. Ngokulandelayo, labo abasohlangothini olufanele bajabulela inkululeko yezezimali. Kodwa into engenzeka futhi ukuba kumaquadrants ama-2 ngesikhathi esisodwa. Isibonelo, isisebenzi singaba umtshali-zimali ngesikhathi esifanayo.
Mhlawumbe akuthina sonke esinemali enkulu yokutshala imali, kodwa lokhu akusho ukuthi kuyimpoqo ukuyeka ukubamba amasheya enkampanini. Awudingi imali enkulu ukuze ube umtshali-zimali, ngaphandle kwalapho nathi sifuna ukukwazi ukuyeka ukusebenza. Nasi isikhathi umngane wakho, ungakwazi njalo ukusizakala inzalo ehlanganisiwe, futhi ukwazi ukonga okuthile okwengeziwe kungakuvumela ukuthi unikele ngemali enkulu ekutshaleni kwakho.
Ngethemba ukuthi i-Cash Flow Quadrant isizile ukukukhuthaza, futhi ubone ukuthi ekugcineni imayelana neqoqo lezinqumo esizenzayo. Uma ukuthandile, ngikushiya ngezansi kwesethi yokubonisa uRobert Kiyosaki. Njengoba yena ngokwakhe ethi ... "Empilweni yangempela, abantu abahlakaniphe kakhulu yibo abenza amaphutha futhi bafunde kuwo. Esikoleni abantu abahlakaniphe kakhulu yilabo abangawenzi amaphutha."
