Inguva yekuisa zvinangwa zvakakomba. Izvi zvinangwa gumi zvichakubatsira iwe kugadzirisa kusingaperi uye kutora mari yako. Pasinei nokuti unosarudza kuita zvishomanana zvacho kana kuti wakagadzirira kutarisana navo vose, unogona kutanga kuchinja. Iwe ndiwe chete unogona kuzvishandura iwe uye zvakakosha kuva nesarudzo yekuita zvisarudzo zvako . Tora nguva yekuronga gore idzva nhasi.
01 Nyora Budget Yako Mwedzi Woga Woga
02 Nyora pasi Pose Penny Unoshandisa
Iwe unofanira kuita izvi kwegore rose. Mwedzi wokutanga, iwe unogona kunyora pasi kunyora chimwe nechimwe chakutenga iwe unogadzira mubhuku raunotakura newe. Dzimwe nguva kunyora pasi kuchiita kuti uwedzere kuziva zvauri kuita. Kana iwe une foni yakanaka, iwe unofanira kuwana bhajeti yekubhadharo inokubvumira kupinda mune imwe shanduro sezvaunenge uchiita. Iwe unogona kuinyora iyo zvose zviri kuitika uye chikamu kuitira kuti iwe unogona kubatisisa kubhadharo yako uye uone kubhadharira kwako kubhadhara.
03 Batisisa Budget Yenyu Mwedzi Woga Woga
Ichi chinangwa chakaoma, asi apo iwe unonyatsogadzira bhajeti yako uye uione, iwe unogona kukwanisa kubatisisa bhajeti yako . Iwe unofanirwa kunge uri kupedza zvishoma kudarika iwe uchiwana uye kuisa mari mune mari. Kana iwe ukakwanisa kubatisisa bhajeti yako, iwe uchakwanisa kusvika kune zvimwe zvinangwa zvemari. Tsvaga tsika dzaunoda kuti uchinje kuti izvi zviitike.
04 Deredza Mari Yako
Ita chinangwa chakananga pane chikwereti chaunoda kubvisa gore rino. Kana zvichibvira, iwe unofanirwa kuedza kubvisa zvachose chikwereti, asi zvichienderana nemari yako uye chikwereti chekwereti iwe iye zvino, iwe ungasakwanise kuita izvozvo. Iwe unofanira kuisa chinangwa chinogoneka, asi chimwe chaunofanira kuchenjerera kusvika. Isa chiverengero chekuwedzera zvakadini iwe waunoda kuisa kune chikwereti mwedzi mumwe nomumwe, uye zvino shanda kuhuwana. Kana iwe ukatevera chirongwa chokubhadhara chikwereti , iwe uchakurumidza kukurumidza kuti iwe unogona kubhadhara chikwereti chako.
05 Usawedzera Chikwereti Chimwe Nyaya Iyi Gore
Ichi chinangwa chinhu chinokosha kana iwe wakanyatsopedzisira uchibva kune chikwereti. Izvo zvaunogona kuita kune chinangwa ichi kana iwe wakagadzirira kutenga imba itsva. Izvi zvinoreva kuti unofanirwa kumira kushandisa kadhi rechikwereti . Iwe unofanirwa kuedza kusvika nemoto yako yazvino kana kuchengetedza mari yemotokari itsva. Kana iwe uchikwanisa kuzvipira iwe kuti hauchazokwereti mari, iwe unokwanisa kuronga mberi kwekutenga kukuru, uye kunyatsoita kuti uwedzere chikwereti chechikwereti chaunacho.
06 Save Up an Emergency Fund
Kukura kwechikwata chenyu chekukurumidzira kunowirirana nemamiriro ako ezvinhu. Kana iwe uchiri kubuda muchikwereti, iwe unofanirwa kuva nemari shoma shoma kusvikira iwe uchibhadhara chikwereti chako. Iwe unofanira kukurumidza kuchengetedza pakati pe $ 1,000.00 uye mwedzi mumwe wemari. Kana basa rako rakanyanya kuwedzera kana kuti mari yaunoshandura, mwedzi mumwe wezvinhu zvinokubatsira huchakubatsira kutora mwedzi inononoka. Kana iwe usiri chikwereti, shingairira kuchengetedza pakati pemwedzi mitanhatu kusvika pagore remari yako.
07 Kutanga Kuchengetedza Kubhadhara
Kana uri kushanda kwekambani, iwe unofanira kupa chikwereti kusvika kuwandu iyo kambani inofanirana kusvikira iwe usina chikwereti. Kana uchinge usiri chikwereti, iwe unofanira kutanga ugovera chikamu chegumi nemashanu kubva pamari yako. Mari yaunowana kubva kumushandi wemushandi wako inofanira kuverenga kusvika kune gumi nemashanu kubva muzana. Kana zvisina kudaro, iwe unofanirwa kugovera anenge mashanu muzana kusvika iwe usina chikwereti (kwete kuverenga chikwereti chako). Izvi zvinokubvumira kutanga kutanga kuvaka mari yako yekurega, uchiri kusunungura mari yekuisa kune chikwereti. Kana iwe usingakodzeri 401 (k), iwe unofanirwa kuva uchipa kune imwe nhoroondo yeIRA.
08 Zviri nani Basa Rako
Gore rino unoda kuita chimwe chinhu kuti uwedzere basa rako. Kana iwe uchida basa rako, uye iwe uchizviona iwe uchigara imomo kwemakore gumi anotevera, unogona kuwana chimwe chinhu chaunogona kuita kuti uvandudze basa rako rakagadzikana uye uzvigadzirire kune danho rinotevera. Kana iwe usingafari, iwe unenge uchingokurudzirwa kuti uite izvozvo kuchinja. Tarisa kirasi yaungatora kuti uwane unyanzvi humwe kana kukugadzirira kuenda kunzvimbo yakakwirira mukambani yako.
09 Kugadzira Purogiramu Yenguva refu Yezvemari
Chirongwa chezvenguva refu chezvemari chichagadzirisa zvinhu zvose zvemari yako. Urongwa urwu hunofanira kurondedzera nguva yekuti iwe uchatenga imba, paunenge uchizosiya basa uye chero basa rekushandura unoronga kuita. Inofanirawo kusanganisira nzira yekutsvaga mari uye chirongwa chekuvaka upfumi. Urongwa huchakubatsira iwe kuita sarudzo dzemari mumakore mashomanana anotevera, uye unogona kuva chimwe chezvinhu zvinobatsira zvikuru zvauri kuita. Chirongwa chezvemari chinogona kuva chinonyanya kubudirira pane kungogadzirisa zvinangwa zvemari zvisina kutarisa pasina kutarisa mufananidzo mukuru. Chirongwa chako chinogona kunge chakasiyana kana iwe usina kuroorwa kana iwe wakaroorwa, asi zvinokosha kuti tine imwe pasinei nokuti ukama hwako huri chii.
10 Dzvora Kudhura muChirangaridzo Majeri maviri Akasiyana Zvikamu
Ichi chinangwa chaunogona kushanda nacho kana iwe uine bhajari yako yakarongeka, kana kuti iwe unogona kutanga kushanda iye zvino. Iwe unogona kuda kusarudza imwe nhengo mwedzi wega wega kuburikidza negore kutsvaka nzira dzekuchengeta mari. Unogona kuwana kuti unoda kuramba uchishanda pane imwechete, kuitira kuti iwe ugone kuramba uchiwana nzira dzekuchengeta mari mwedzi mumwe nomumwe. Kana iwe unogona kukanda mari yako zvishoma kunyanya mwedzi wega wega, iwe uchava nemari yakawanda yekuisa kune dzimwe dzezvinangwa zvako zvemari uye yekuchengeta .