Ezweni lanamuhla elisheshayo, umqondo wemali engenayo usuzuze ukuhunyushwa okuphawulekayo, okunikeze abantu ngabanye ithuba lokukhiqiza imithombo yemali engenayo edinga umzamo omncane oqhubekayo uma isimisiwe. Noma ngabe ubheke ukwengezela iholo lakho lamanje noma ufisa ukuzuza inkululeko yezezimali, ukuhlola izindlela ezihlukene zeholo ungavula indlela yokusimama kwezezimali nenkululeko. Nansi imibono eyisishiyagalolunye enenzuzo yokungenzi lutho ongacabanga ukuyihlanganisa nesu lakho lezezimali:
- Ukutshala Ezimasheya Namasheya:
Ukutshala imali kusevisi kungukuthi, ngendlela ethile, ukunikeza uhlobo lwenani. Ngakho-ke, uma sinikeza imali yethu enkampanini ngendlela yokuthenga amasheya ayo, kunengqondo ukuthi sizothola uhlobo oluthile lwembuyiselo yalolo tshalomali. Futhi siqala ngalokhu ngoba ukutshala imali ezitokweni kuyindlela elula yokwenza noma yiluphi uhlobo lwemali engenayo. Uma unonoma yiluphi uhlobo lokonga, futhi behlezi ku-akhawunti yokonga, bathola inzalo engu-0.01%, abakwenzeli okuningi kakhulu. Nakuba, ukube ubunayo leyo mali oyilondolozile futhi ukubeke esitokweni, kungenzeka ukuthi uhola imali engenayo ephuma emalini ehlezi lapho.
Manje, isikhwama senkomba siyinto efana ne-S&P 500. Futhi nini utshala imali, ake sithi, u-$1,000 ku-S&P 500, lokho kusho ukuthi u-$1,000 wakho usatshalaliswa phakathi kwezinkampani ezinkulu ezingu-500 e-US. Ngakho-ke, uyazi, kusindwa ukuthi zikhulu kangakanani. Ngakho-ke njengo-2% wayo uzoba ku-Apple, u-2% ku-Facebook, u-2% ku-Google, u-2% ku-Microsoft. Futhi-ke mhlawumbe ubungeke uzwe ngenkampani ye-500 ohlwini, kodwa ngokuyisisekelo, zonke izinkampani ezinkulu zase-US oke wezwa ngazo, ugcina utshale imali kuzo zonke kancane kancane. Ngakho-ke uma ufuna ukuqalisa ngalokho, okudingeka ukwenze ukubhalisela umthengisi wesitoko. Uma use-US, ungasebenzisa i-Webull, ngicabanga ukuthi nginesixhumanisi encazelweni. Uma use-UK, ungasebenzisa iFreetrade noma iVanguard. Empeleni, noma yiliphi izwe okulo, ku-Google nje inkulumo ethi "inkundla yomthengisi ohamba phambili," igama lezwe lakini, futhi uzothola okuthile okukusebenzelayo. Futhi-ke kulula kakhulu ukukwazi ukutshala imali esikhwameni senkomba. Ngakho-ke ngaphakathi kwe-Side Hustle Assessment Matrix yethu edumile, sizonikeza ubunzima bokuqala isilinganiso senkanyezi eyodwa, eyodwa ngaphandle kwesihlanu. Kulula kakhulu, kakhulu ukuqalisa ngezitoko.
Kunzima kangakanani ukwenza u-$100 ngenyanga ngokutshala esitokweni nakumasheya? Yebo, lolu hlobo luncike, ngoba luncike ekusebenzeni kwemakethe yamasheya iyonke. Ngakho-ke ezinyangeni eziyi-12 ezedlule ukusuka ku-2020 kuya ku-2021, i-S&P 500 empeleni inyuke cishe ngama-50%. Lokho kuningi, kufana nokukhuphuka ngo-50% okuqinile naphezu kwe-COVID nakho konke okwenzekayo. Ngakho-ke uma ngo-Ephreli, 2020, ubutshale u-$2,400 ku-S&P 500. Iqiniso lokuthi ikhuphuke ngo-50% kusho ukuthi ubuzokwenza u-$100 ngenyanga, kodwa ngokusobala, lena akuyona indlela yokuyibheka, ngoba izinto ingakhuphuka yehle, futhi imakethe yamasheya inamazinga ahlukene okusebenza, kuye ngokuthi yisiphi isikhathi osibhekayo. Kepha uma silinganisa iminyaka engu-30 kuye kwengama-50 edlule, i-S&P 500 ibe nembuyiselo ecishe ibe yi-10 yamaphesenti, okusho ukuthi, unyaka nonyaka, ngokwesilinganiso, ngokuhamba kwesikhathi, ikhuphuka cishe ngo-10%. Lokhu akuwona ukwehla kwamandla emali okulungiswe kunoma yimuphi uchwepheshe wezomnotho phakathi kwethu. Ngakho-ke, uma senza izibalo zemvilophu, uma sifuna ukuzuza u-$100 ngenyanga ngokungenzi lutho ngezitoko namasheya, sizodinga cishe u-$12,000 sitshalwe ku-S&P 500 ukwenza lowo 10% u-$1,200 ngonyaka, okungu-$100 a inyanga. Kodwa njengoba ngikhuluma kuleyo vidiyo mayelana namasheya, ngokuhamba kwesikhathi, sinokuhlanganisa. Futhi-ke, uma ufaka u-$7,500 ku-S&P 500, futhi uyishiye lapho iminyaka emihlanu, bese emva kweminyaka emihlanu, uzobe wenza cishe u-$100 ngenyanga, uma sihamba ngalesi sibalo esimaphakathi esingu-10% ngonyaka. Noma uma utshale u-$5,000 ku-S&P 500, bese emva kweminyaka eyi-10, uzobe wenza u-$100 ngenyanga ngemali engenayo engenzi lutho, futhi, ngokuthatha isilinganiso esingu-10%.
Ngakho konke, kunzima kangakanani ngempela ukwenza u-$100 ngenyanga ngemali engenayo evela esitokweni namasheya? Hhayi-ke, kuncike ekutheni kunzima kangakanani ukuthi wenze imali engu-$5,000, engu-$7,500, noma engu-$12,000 ekongeni futhi uyifake esikhwameni senkomba yemakethe yamasheya, futhi okubaluleke kakhulu, lena yimali okungafanele udinge ukuthi uyithinte iminyaka emi-5 kuya kweyi-10 ezayo, okungenani. Ngakho-ke, ukuthi kulula kangakanani kuwe ukwenza lolo hlobo lwemali ngokusobala kuyahlukahluka kuye ngokuthi ukuliphi izwe nokuthi ziyini izimo zakho nokuthi uyini umsebenzi wakho. Kodwa uma use-UK noma e-US, lapho i-median, uhlobo lwamaholo amaphakathi acishe abe ngama- $50,000, into efana naleyo, bese, futhi, kuye ngezimo zakho, akushisi kangako ukuthola u-$10,000 ekongeni. Ngokusobala, uma wondla umndeni wabantu abangu-15 ngo-$50,000, kuhlukile. Uma ungumuntu oyedwa, futhi, kwehlukile, kodwa ngizonikeza lokhu cishe isilinganiso senkanyezi engu-3/5 ngobunzima bokuthola u-$100 ngenyanga. Ngokusobala, uma uhlala ezweni elifana ne-India, lapho isilinganiso somholo singu-$3,600 ngonyaka, kunzima kakhulu ukwenza u-$10,000 ekongeni sekukonke.
Ekugcineni, isigaba sesithathu ku-Side Hustle Assessment Matrix yethu ukuthi kunzima kangakanani ukugcina le mali engenayo uma usuyimisile kwasekuqaleni. Futhi sizokunikeza lokhu okungu-1/5, ngoba uma usuyitholile imali, uvele uthanda ukuyisetha bese ukhohlwa. Futhi akunzima kangako ukuyigcina. Kuneminye imithombo yemali engenayo edinga amadigri aphezulu esondlo ngokuhamba kwesikhathi, kodwa amasheya namasheya kuyindlela elula kakhulu yokwenza imali engenayo, nokusebenzisa isibonelo sami somuntu siqu, kulezi zinsuku, iphothifoliyo yami yamasheya namasheya, engiyidingayo. Bengitshala imali kusukela ngo-2015, manje seyibiza cishe u-$350,000. Futhi ingxenye enkulu yalokho ikusikhwama senkomba se-S&P 500. Manje, anginakukhathazeka ngokuthola imbuyiselo yangempela elungisiwe yokwehla kwamandla emali kulokho. Kodwa futhi, uma sithatha isilinganiso esibi kakhulu, esibi kakhulu sika-10% ngonyaka, leso silinganiso sizoba cishe ku-$682 ngeviki emalini engenayo engenzi lutho.
- Ukuqala i-YouTube. Isiteshi:
Ukuqala isiteshi se-YouTube kungaba yibhizinisi elinenzuzo enkulu ukuze ukhiqize imali engenayo, kodwa kudinga ukuzinikela nomzamo ukuze uphumelele. Masiyihlukanise sisebenzisa iSide Hustle Assessment Matrix yethu.
Ukuqala Kalula:
Ukuqala isiteshi se-YouTube kuqondile, ukuzuza isilinganiso sezinkanyezi ezine kweziyisihlanu. Uvele udale i-akhawunti, ulayishe amavidiyo (ngisho usebenzisa ifoni yakho), bese uyacisha. Nokho, ukudala okuqukethwe okuyikhwalithi okuheha ababukeli kuyinselele yangempela.
Ukuzuza ukwenza imali ku-YouTube, okudinga ababhalisile abangu-1,000 namahora angu-4,000 esikhathi sokubuka, kuyisithiyo esikhulu. Ngokuvamile kuthatha isikhathi nokungaguquguquki ukufinyelela leli qophamlando. Ukwenza imali eshisiwe—yithi $100 ngenyanga—kudinga ukubukwa okungu-50,000 ngenyanga, okulingana nokubukwa okungu-12,500 ngevidiyo ngayinye uma ulayisha masonto onke. Kungumqansa, okwenza lesi sici sithole isilinganiso sezinkanyezi ezine kweziyisihlanu.
Umzamo Wokunakekela:
Ekuqaleni, ukuzuza labo ababhalisile bokuqala abayi-1,000 ingxenye enzima kakhulu, kodwa uma sekuzuziwe. , ukukhula kuba okulawulekayo njengoba wenza ngcono okuqukethwe kwakho namasu. Ngakho-ke, umzamo wokulungisa ulinganiselwe ngezinkanyezi ezimbili kweziyisihlanu.
Ngokuhlangenwe nakho kwami, kuthathe amavidiyo angu-70 ngaphambi kokwenza noma iyiphi imali engenayo nge-YouTube AdSense. Namuhla, isiteshi sizuza cishe u-$12,000 ngenyanga, ngokuyinhloko ngamavidiyo amadala, okubonisa amandla okuthola imali engenzi lutho. Yize ingaphozisi maseko ngenxa yokulayisha okuvamile, isanikeza imbuyiselo enkulu ekutshalweni kwezimali.
Sengiphetha, nakuba ukuqala isiteshi se-YouTube kulula, ukwenza imali eningi yokungenzi lutho ngayo kuyinselele kodwa kuyazuzisa ngokuhamba kwesikhathi. gijima. Ngokuzinikela nokubekezela,ingaba ukusakazwa kwemali okubalulekile.
- Ukuqala i-Podcast:
Ukuqala iphodikasti kubonakala kunezinselele kanye nezinzuzo zako. Nakuba kulula ukuqalisa, ukukhula nokwenza imali kungaba nzima. Ngokungafani ne-YouTube, ama-podcast awanawo ama-algorithms akhelwe ngaphakathi okukhula. Kunalokho, amaphodikhasti amaningi asebenzisa iziteshi ze-YouTube ukuze andise ababukeli bazo, okungase kubonakale kuyinqaba.
- Ukuthengisa Umkhiqizo Wedijithali:
Ukuqala ngokumaketha okuhambisanayo. iqonde ngqo, ihola izinkanyezi ezimbili kweziyisihlanu esikalini sobunzima. Ungabhalisela kalula izinhlelo ezihambisanayo ezifana ne-Amazon Associates, enye yezinkulu emhlabeni. Uma usunezixhumanisi zakho ezihambisanayo ezihlukile, ungaphromotha imikhiqizo kuwebhusayithi yakho, inkundla yezokuxhumana, noma amanye amapulatifomu. Uma abantu bethenga imikhiqizo ngezixhumanisi zakho, uzuza iphesenti lokuthengisiwe.
Nokho, ukwenza u-$100 ngenyanga kungaba inselele. Ake sikuhlukanise: uma uphromotha umkhiqizo ongu-$50 ngenani lekhomishini elingu-5% kanye nezinga lokuguqulwa elingu-1%, uzodinga ukuvakashelwa okungu-8,000 kusayithi lakho ukuze ufinyelele lowo mgomo. Ukukhiqiza leli nani lethrafikhi kudinga umzamo omkhulu, ngokwakha izethameli noma ukusungula igunya lesizinda.
Ngaphandle kwe-Amazon, kunezinye izinhlelo ezisebenzisanayo ezitholakalayo. Isibonelo, i-Skillshare inikeza uhlelo lapho uzuza khona u-$7 kuwo wonke umuntu obhalisela isivivinyo samahhala ngesixhumanisi sakho. Ukuze ufinyelele ku-$100 ngenyanga, uzodinga ukubhaliswa okungaba ngu-15 nyanga zonke.
Ubunzima bokufinyelela lokhu buncike kuzithameli zakho ezikhona nokuqukethwe. Uma usuvele unokulandelayo noma udala okuqukethwe ezinkundleni ezifana ne-Skillshare, ukubhalisa ukushayela kuba nokwenzeka kakhudlwana.
Kafushane, kuyilapho ukuqala ngokumaketha okuhlangene kulula, ukwenza imali eningi kudinga umzamo nokuphikelela. Ukwakha izethameli ngokudala okuqukethwe okungaguquki kubalulekile. Uma isisunguliwe, imali engenayo esebenzisana nayo ingaba umthombo othembekile wemali engenayo.
- Ukuthengisa Isifundo:
Okunye, izinkundla ezifana ne-Skillshare zinikeza indlela ukwabelana ngezifundo ngaphandle kwezindleko eziqondile. I-Skillshare, umxhasi wale vidiyo, isingatha amakilasi amaningi, kuhlanganisa neyami yakamuva mayelana nokukhiqiza. Ukusebenzisa isixhumanisi esinikezwe encazelweni yevidiyo kunikeza isaphulelo sika-30% kubulungu baminyaka yonke be-Skillshare Premium kubasebenzisi abayinkulungwane yokuqala. Ngokwami, ngithole i-Skillshare iyisisetshenziswa esihle kakhulu sokufunda nokufundisa.
I-Skillshare isebenza ngendlela efanayo ne-Netflix, lapho abasebenzisi bafinyelela khona okuqukethwe ngaphandle kokuthenga ngakunye. Ngaphezu kwalokho, ukufinyeleleka kwenkundla kwenza kube lula kunokumisa iwebhusayithi yomuntu siqu. Ukukhiqiza u-$100 ngenyanga ku-Skillshare ngokuvamile kudinga cishe imizuzu engu-1,700 yesikhathi sokubuka, okulingana namahora angu-28. Ukufeza lesi senzakalo esiyingqopha-mlando kuncike kwikhwalithi yesifundo kanye, mhlawumbe, nezethameli ezikhona.
Enye indlela ihilela ukuthengisa ngokuqondile isifundo ngo-$100, okudinga ukuthengiswa okukodwa nje nyanga zonke. Ngesidingo esikhulayo semfundo ye-inthanethi, ukunikeza amakhono abalulekile kungaveza imali engenayo. Uma isisunguliwe, ukugcinwa kwemali engenayo yesifundo ngokuvamile kudinga ukubuyekezwa okuncane kanye nokukhiqizwa kwethrafikhi okuzinzile. Ngokuhlangenwe nakho kwami, i-Skillshare isingatha inqwaba yezifundo zami zokungenisa imali ezingenzi lutho, zihlangene zikhiqiza u-$60,000 kuya ku-$65,000 nyanga zonke. Le nzuzo inegalelo elikhulu emalini engenayo ephelele yebhizinisi lami engu-$27,000 ngeviki.
- Ukwakha Ubulungu Bomphakathi:
Imali engenayo engenzi lutho ingakhiqizwa ukusebenzisa ubulungu obukhokhelwayo noma imodeli yomphakathi. Nokho, le ndlela ngokuvamile ayifaneleki ngaphandle uma usunabalaleli abaziwayo. Ukwakha izethameli ezithembekile ngokuhamba kwesikhathi ngokuletha okuqukethwe okubalulekile njalo kukhuthaza ukwethenjwa nokujwayelana. Ngakho-ke, lapho wethula inketho yobulungu, amanye amalungu ezithameli zakho angase athambekele ekubhaliseni.
Ngokufanayo, u-Anne-Laure, umsunguli we-Ness Labs, uqale ubulungu obukhokhelwayo obubiza u-$5 ngenyanga. ehlobo lika-2019. Naphezu kokuqala ngezithameli ezingu-zero, kancane kancane wakha inkundla yakhe ngokushicilela okubhalwe kubhulogi engashintshi. NgoMashi 2020, ngenkathi ethula ubulungu, wayesenamalungu akhokhayo. Kusukela kamuva nje, imali yakhe engenayo yonyaka ephindelelayo idlule u-$100,000, okubonisa ukukhula okukhulu okungafinyeleleka esikhathini esifushane uma kuqhathaniswa.
Ukudala uhlelo lobulungu kulula, ngokuvamile okuhilela ukumisa i-akhawunti ezinkundleni ezifana ne-Patreon. Nokho, ukuyigcina kudinga ukuhlinzeka ngenani elilingana nenkokhelo yokubhalisa, okungase kube inselele. Uma ususungule indlela yokwenza imali engenayo, ukuyigcina kuba namandla okulawuleka. Imiphakathi yobulungu isebenza ngesimiso sokuthi uma nje uqhubeka nokuletha inani, ababhalisile kungenzeka bahlale bebambe iqhaza.
Isibonelo, i-YouTuber Academy yethu yesikhashana inikeza umphakathi wobulungu obizwa ngokuthi "I-YouTuber Inner Yesikhashana. Umbuthano," okhiqiza cishe u-$2,800 masonto onke. Nakuba ukuphatha lo mphakathi kuhilela umzamo omkhulu, izinzuzo zezimali zithethelela ukutshalwa kwezimali.
- Ukuzenzakalela Ibhizinisi:
Ukuguqula imodeli yebhizinisi elivamile libe yileyo engenisa imali engenayo ngokunengqondo kuhilela ukuphathisa, ukukhipha, ukuzenzela, nokusebenzisa amasu ahlakaniphile, njengoba kukhuthazwa u-Tim Ferris kokuthi "Iviki Lokusebenza Lamahora Ama-4." Thatha, ngokwesibonelo, umngane wami u-Oliur, ophethe isitolo sakwaShopify esiphumelelayo esinezesekeli zedeski lesikhumba le-vegan. Ekuqaleni, ukusetha isitolo kwakudinga umzamo omkhulu, kodwa manje unethimba eliphethe imisebenzi, elimvumela ukuba achithe isikhathi esincane eqhuba ibhizinisi. Ngokufanayo, omunye umngane uphethe i-ejensi yokumaketha yenkundla yezokuxhumana, emisela izikhangiso zamaklayenti kanye nezinqubo zokuzenzakalela ngamathuluzi afana ne-Zapier. Nakuba kunomsebenzi wokuqala ohilelekile, ukunakekela okuqhubekayo kuncane, okwenza kube umthombo wemali engenayo.Ukuqala amabhizinisi anjalo kungaba inselele, ukuthola isilinganiso sezinkanyezi ezine kweziyisihlanu ngobunzima. Ukunikeza inani langempela kubalulekile, ukuzuza isilinganiso esifanayo sokukhiqiza imali. Kodwa-ke, uma sekusunguliwe, ukunakekelwa kuba lula ukulawuleka, kuzuze izinkanyezi ezintathu kweziyisihlanu kalula.
- Ukwakha Uhlelo Lokusebenza noma Iwebhusayithi:
Kulezi zinsuku, amabhizinisi amaningi esofthiwe asebenza ngemodeli yokubhalisa eyaziwa ngokuthi I-Software njengesevisi (SaaS) . Uma uhlola amasayithi afana indiehackers.com, uzothola izibonelo eziningi zosomabhizinisi abakha amabhizinisi anjalo, ukwabelana ngezinombolo zemali engenayo, amathiphu okuqalisa, nempumelelo. izindaba. Ngisanda kuthola ithuba lokuxoxisana ku-Indie Hackers podcast, sidingida ngomqondo wokwethula isifundo se-inthanethi esifana "Ne-YouTuber Academy Yesikhashana."
Ngithatha kokuhlangenwe nakho kwami, phakathi nezinsuku zami zasenyuvesi, ngihlanganyele nomfowethu ukwenza i-BMAT Ninja ne-UKCAT Ninja, amawebhusayithi anikeza amabhange emibuzo kwabafake izicelo zezikole zezokwelapha abalungiselela izivivinyo zokwamukelwa. Sakhe lezi zinkundla kusukela ekuqaleni, sasebenzisa amakhono ethu okubhala amakhodi esiwathole kusukela sisebancane. Nakuba ibivuza ngokwezimali, njengoba i-BMAT Ninja ikhiqiza cishe u-$25,000 ngonyaka odlule ngemva kweminyaka emihlanu yokusebenza, yayidinga umzamo omkhulu ukuze kusungulwe.
Ukuqala ibhizinisi lesofthiwe kulinganisa okuhlanu kokuhlanu ngenxa yobunzima ngenxa yokubhala ikhodi. kanye nesiphakamiso senani esiphoqayo esidingekayo. Uma sekuqalisiwe, ukuheha amakhasimende akhokhayo kuveza ezakho izinselelo, ukuthola isilinganiso sobunzima sezinkanyezi ezine. Nokho, ukulungisa kuba lula ngandlela thile ngokuhamba kwesikhathi, kuthola isilinganiso sezinkanyezi ezintathu. Nakuba ukudala uhlelo lokusebenza kungase kube nzima, uhambo luyazuzisa, lunikeza amathuba okukhula nokuqamba izinto ezintsha.
Ukufaka imithombo yemali engenayo engenzi lutho ohlelweni lwakho lwezezimali kungahlukanisa imithombo yakho yemali engenayo futhi kunikeze ukuzinza okukhulu nokuqina ngokumelene nokungaqiniseki kwezomnotho. Kodwa-ke, kubalulekile ukubhekana nemizamo yemali engenayo ngokukhuthala, ukubekezela, kanye nengqondo yesikhathi eside, njengoba impumelelo ngokuvamile idinga umzamo ongaguquki nokuzivumelanisa nezimo. Ngokusebenzisa amakhono akho, ubuhlakani, kanye nomoya wosomabhizinisi, ungakha indlela esimeme eya enkululekweni yezezimali futhi ufeze izinjongo zakho zokwakha ingcebo.
Reviewed by author
on
février 07, 2024
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