10 Jalan Menuju Kekayaan

Wajib DiBaca oleh Anda!

Berikut adalah kutipan manis dari teman saya yang patut saudara pertimbangkan dalam memilih langkah hidup selanjutnya, dan inilah yang mendasari pola pikir saya masa demi masa dan semakin mantap dalam dunia dewasa yang wajar dan penuh gairah untuk terus berkembang. Begini katanya :
The Top 10 Steps to Extraordinary Personal Wealth

I recently came across startling figures about the average American’s finances. Only 4% of us have significant savings when we hit age 65, and a majority of Americans have less than $1000 in savings. Perhaps even more troubling, nearly one-fifth of us have a negative net worth, meaning that we owe more in debt than the total value of our combined assets. In a land of wealth and opportunity, and in an age of unlimited freedom, attaining wealth is primarily a matter of choice and determination. The following are my suggestions for rapidly increasing your personal income and wealth.
Develop a healthy awareness of money. Most of us either ignore our cash flow and don’t have a budget, or we think of money as a “problem”. Instead, begin thinking of it as energy, as a resource and as a tool to be managed and used wisely.

Develop a healthy desire for money. Money is neither evil nor the source of happiness. It is a tool that can be used well or badly, but most importantly it can be used to achieve many of life’s dreams and priorities. Having more of it increases your choices, and your responsibility.

Develop a healthy personal foundation. It is difficult to attract or keep money if your life is in chaos. To achieve significant wealth, pay attention to your attitude, your relationships, your values and your integrity. Money tends to flow to those who are prepared to handle it well.

Resolve ALL addictions. Substance abuse will obviously undermine any real ability to attract and manage large amounts of money, but other addictions are equally dangerous. Addictions to shopping, drama and excitement, to power or sex or a need to have the newest gadget will all destroy freedom of choice, and your ability to handle money responsibly.

Spend less than you make. An obvious point that most of us ignore. Have and use a budget, track your cash flow, decide what you need compared to what you want. Unless you use credit cards as a tool to monitor your spending, avoid using them at all. If you’re living on credit, juggling one card against another, get professional help!

Save a significant amount. Most experts recommend paying yourself first and saving anywhere from 5% to 20% of your income. The amount or percentage that you save is probably not as important as the principle. If at first you only save 1%, make that deposit every single week, do it without fail, and congratulate yourself! Even 1% is a great beginning!

Cut your spending by 25%. That’s a huge amount! For most of us, it’s also entirely possible. Take your lunch, buy less junk, rent a movie instead of going to the theater, make a picnic instead of dinner at a restaurant, re-cycle and repair rather than throwing things away and buying new. Live cheaper, simpler and closer to the earth.

Learn the principles of investing. Most community colleges have courses on investing in stocks, real estate, commercial property and even collectibles. Pick your preference, study hard, buy smart, and let your money work for you rather than you always working for money. But, never try to get rich quick! We’re talking about investing, not speculating.

Develop long-term passive income. Whether this is interest from bonds, profits from a business, or residuals from your last TV commercial, develop assets that will generate positive cash flow for years to come, whether you are working or not. Rental property has been a favorite, but so are stocks and mutual funds.

Develop wealth consciousness! This is a conscious, specific desire to be aware of money, to have money, and to use money to reflect your values and your priorities. Some of us virtually choose poverty because of our refusal to take responsibility for how we handle money. Others, live as misers and never use money to expand their horizons and develop their lives. You can decide to have a healthy, exciting and profitable relationship with money. Choose wisely. Start today!

© Copyright 2003 by Philip E. Humbert. All Rights Reserved. This article may be copied and used in your own newsletter or on your website as long as you include the following information: “Written by Dr. Philip E. Humbert, writer, speaker and success coach. Dr. Humbert has over 300 free articles, tools and resources for your success, including a great newsletter! It’s all on his website at: http://www.philiphumbert.com

10 Jalan Menuju Kekayaan

28 pemikiran pada “10 Jalan Menuju Kekayaan

  1. Anonymous berkata:

    artikelnya terlalu panjang, jadi agak sulit menterjemahkannya, untuk pemula seperti saya sebaiknya arikelnya jangan terlalu panjang.

  2. etny berkata:

    duh pak knpa artikel bapa yg satu ne pke b.ingg pa???saya jdi ga ngerti alur nya gmna.ntar klo saya ksih pndapat mlah belepotan he…skli lg soir bgt y pa!!horas..

  3. dewi berkata:

    Sama kaya yg lain,saya ga’ ngerti bhs inggris.Jd harap maklum ga’bsa ngasih komentar!Knpa ga’pake bahasa indonesia aja!^0^

  4. Anik Beriani berkata:

    Sorry bngt Pak,Saya ga’ngerti bngt bhs inggris.Tapi yng jelas smua yg dkatakn teman Bpk mmpnyai mksd yng baik,dan berguna utk kehidupan kita.Jd skali lagi Sorry ga’ bisa ngsih komentar yng lbh.

  5. flourensia berkata:

    biar pun bpk blablablabla disitu tetap aja saya gak ngerti apa yg bpk omongin. jd, sm dg yg lain no comment deh.
    hehehehe….(^-^)

  6. selvia berkata:

    fyuuuuuh……
    sama kayak yang lain,saya juga ga ngerti B.inggris,mana kamus saya masih ketinggalan di toko buku.kata penjaga tokonya,kamusnya ga boleh dbawa kalo ga ninggalin duit dulu(payah kan pak?)oh ya,komentar aq pokoknya”B.inggris bpk TOP BGT!!!!!”

  7. Vera triwani berkata:

    Waduh bapak jangan kan ngebaca baru liat ja udah pusing,apalagi ngasih komentar.kayaknya aq benar2 ga bisa dech pa, biarpun bawa kamus bejibun ga bakal ngerti2 yang ada tambah pusing.udah dulu ya pa.

    PUSING!!!!!!!!!!

  8. novia F berkata:

    gimana ya pak,berhubung B.inggris q cuma pas2an alias belepotan h3…h3 jd malu dech!!!! kayaknya biar beberapa kali bolak-balik kamus ga bakal ngerti apa artinya,jd aq ga bisa ngasih komentar takut ga nyambung gitcu!!!
    nanti saja ya pak aq ksh komentar nya tunggu aq emang bs ngomong pake b inggris.maaf ya pa kalo ada kata2 yang salah.

  9. Lea berkata:

    wadoooooo……bapak maaaap y Pak yang satu ini kayaknya saya ga bisa ngasih comment,biz cuma ngerti dkit2 aza, ntar takut ga nyambung Pak hehehe ^_^ Harap maklum y pak!

  10. irma berkata:

    Piye to pak………..

    Saya gak ngerti ngerti isi nya, sebenar nya seh pengen ngomentarin
    tapi berhubung pake bhs.inggris, he……jadi bingung deh mau ngomentarin apa??maklum aza pak ya……..

  11. vina afrillia berkata:

    tuing2 duh2 pak kaga ngerti pak…,ngerjainnya aja perlu bolak-balik kamus pak.biasanya aja tgs bhs.ingg bnyk rmidial hehehehehe…jdi mlu.

  12. meylita berkata:

    Ampyun dech pak!!!!! Kaga ngarti 9w pak! b.ing. aza ancur trus, gmn bs ngomentarin!!!sorry pak yach…….. Klo aj ada b.indonesia na bs tuch pak heheheehe

  13. marlina ekx berkata:

    My comment about this page is ^our respons is more….^
    sORRY ya, pak?! Gak nyambung ya?…..
    Anytime aja deh……..thx

  14. runitkristiyanti berkata:

    Waduh..waduh pak saya kagak ngerti bahasa Inggris…kenapa gak pake bahasa Indonesia aza pak he..he..jadi sekarang saya gak bisa komentar apa-apa!!!! Harap maklum….pak lah!!!! Gbu.

  15. naimawarda berkata:

    Hakayaaaaaah pak…….
    Sepertinya ini menarik, tapi maap pak lah saya kurang begitu mengerti apa ne maksudnyo…… Orang tu pak ai pke B.indo. ja pang…. Jadi saye bisa berkomentar dengan bujur hehehe….
    Dah Bapak…. Saye akan belajar B. Inggris dulu ah… baru ntar komen lagi….. ^_^

  16. yudha berkata:

    dewa gede yudha.

    wadohhhhhhhhhhhhhhhhhh kaga ngarti bhs english because i”dont speak english….
    kenapa ga pake bhs indonesia aja pak,,,jd saya tdk bisa beri komentar….

  17. dona_greenday berkata:

    wow………. sangat sulit untuk menerjemahkannya…
    karena saya gak bisa nerjemahinnya sehingga saya gak bisa ngasih comment pd blog ini yach…. okey!

  18. nikky berkata:

    NAMA ; TEGUH PRAYITNO
    KLS ;XII IS 4 nmpng blgr nicky

    duh Pak gw jd confused dech bcx, soalx tlsnx pk english and bnyk bngt lg. so soir if i can’t give a comment.

  19. grefithasia berkata:

    aduh-aduh, pusing-pusing…., Kenapa nggak pake bahasa Indonesia aza pak??..berhubung saya nggak ngerti isinya jadinya ya…….No Comment…!

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