01 Shandisa Zvipfeko Nezvipo
Zvikwereti zvakasiyana-siyana zvine chokuita nemakore zvinowanikwa, zvakadai semazuva ekudzikinura pane zvekudya zvekunzvimbo yako, kutengesa mitengo mumavhidhiyo emaminee, nekuderedza mitengo yezvokudya pamahotera akawanda.
Uye usanyara pakukumbira kubhadharwa kwepamusoro kunyange kana imwe isingatengeswi. Shandisa kuseka, kunyemwerera, wink, uye edza chimwe chinhu se "Ndaona zvakawanda muupenyu hwangu pa 55. Unoti chii, dai mitsetse iyi yekuseka inondipa 10% kubva?"
Kana iwe usati wambove wakakosha pakukumbira mabhagaini, verenga bhuku rinonzi Getting More, umo muporofesa wemutemo wePenn Stuart Diamond anotaura mazano chaiwo aungashandisa kuti ugoverana nekuvandudzwa kwezvinhu kana kuti kudhura mitengo pamusoro pechinhu chero chipi zvacho. Handisi munhu akaberekerwa muzvisikwa-asi nguva dzose apo ndakashandisa zvaanodzidzisa mubhuku rake rave rakashanda.
02 Ita Kuti Inakidze uye Iva Nemagariro
Bhizimisi hainzwi sezvinofadza, asi mitambo inonyatsoita. Panzvimbo yebhajeti, zvipikise kumutambo. Chinangwa: tsvaga nzira itsva dzekushandisa mari shomanana pamazuva ako ezuva nezuva.
Kuita izvi kuva mutsara kunoisa chibvumirano chako kushanda, saka pane nguva dzose ichava chikamu chako pane kutarisira nzira dzekuchengeta. Kuti uwedzere kunakidza, edza kuchengeta mapoka ekugadzirisa zvirongwa, ugovera huwandu huno huwandu huwandu hwemadhora ekuchengetedza.
Kurudzira nhengo dzemhuri kuti dzibatanidze nzira yako itsva yekufunga. Uyu mutambo unogona kuva mukana wakakwana wokudzidzisa vazukuru zviri nani kushandisa mari yavo pachavo.
Mukuwedzera, unogona kushandisa nzvimbo dzekutsvaga kuwana nzvimbo dzekutengesa zvekutengesa uye sezvo vaduku vachiziva kombiyuta, vanogona kubatsira!
03 Rega Zvisarudzo
Iyo vapanduki matiri inoita kuti zvive zvakaoma kurambira nebhajhini inonzwa sekudya. Pane kudaro, sarudza mari yako yekushandisa maererano nesarudzo. Semuenzaniso, unogona kuva newaini ye Starbucks uye girazi raini rinodhura, asi zvichida kwete zvose zviviri pazuva rimwe chete.
Kuva nemafungiro emari panzvimbo pane zvikwata zvakaoma zvinoshanda zvakanaka kune vakawanda. Semuenzaniso, unogona kunge une dziva re $ 1 000 kuti upedze. Kana uchida matairi matsva mwedzi iyo inogona kushandisa chikamu. Izvozvo zvinoreva kuti "zvimwe" zvakadai seTV iyo itsva ichafanirwa kumirira kusvikira mwedzi uko kune zvakawanda zviripo maflex money.
Kana iwe usingakwanisi kuziva kuti ungaderedza kupi kana kuti rudzi rwekutengeserana-kuita kuti ufunge kushandisa shanduro yemari yakawanda yekutarisa kuti uone kuti unoshandisa mari yakawanda sei uye uone kuti zvipi zvingada kuchinjwa.
Iwe unogona zvakare kuedza kuderedza kushandiswa kwemari pane zvidyo zvako zvaunofarira nokuisa mari yakatarwa pane kadhi rechipo. Kana zvisingabatsiri usazvibvumira kuzvidzorera zvakare kwekanguva chenguva.
04 Shandisa Kushandura Kwekuregererwa
Kana uchinge wapedza basa, usazvipa ruzivo rusingaperi kumari yekutsinhanisa. Mari yako inogona kupedzerwa nekukurumidza zvakanyanya kana iwe uchibata segango guru kuti udzipindire mukati.
Pane kudaro, gadzira "mari yekubhadhara mari" kuburikidza nekugadzirisa zvakananga mari kubva kumari yako yekuisa muongororo yako yekuongorora pamwedzi wega wega kana bhiri-pamwedzi.
Kana mari iri kuuya kubva kuIRA kana imwe nhoroondo yekubatira mari ine zvose zvematongerwo enyika uye mitero yemitero inowanikwa musati wagamuchira mugove wako. Izvi zvinokuchengetedza kuti urege kuva shure kumashure.
Iyi nzira yekutora kupararira nguva dzose inowanzodanwa kushandiswa kwekugadzirisa . Yakawanda mari yekutengeserana, makambani ekubhadharisa mari kana vapezi vezvemari vachapa rudzi urwu rwekutsvaga basa kwauri. Kushandisa kushandiswa kwakarongeka kunopa mubhadharo usingagumi uye kunobatsira kudzivisa kudarika.
05 Funga Nezvimwe Zvimwe Zvokugara
Vanogara navo vanopa shamwari uye vanokubatsirai mose kuchengetedza mari. Kana iwe uine imba, funga kubhadhara muimba kuti uuye nemamwe mari yakawedzerwa. Kana iwe uchikwereta, funga kuwana mumwe munhu aizodhara ne.
Iwe unogona kuwana vanogara navo paIndaneti, uye nekukumbira kumativi ose kumunharaunda iwe unobatanidzwa nawo, sekubvunza kumasangano echitendero, mapoka ekuzvipira, uye kuburikidza nehuwandu hwemagariro evanhu, sa Facebook.
Iwe unogonawo kuderedza mari nekutengeserana munzvimbo yakakwirira yekugadzirisa / yadhi kune imwe condo kana imba yepatio mune imwe nzvimbo inogara yehupenyu. Kana kuti zvimwe unogona kuenda kune imwe nzvimbo apo iwe unogona kuenda kunotenga nekuvaraidza. Vamwe vanhu vanotosiya imba pamwe chete, pane kuenda nemararamiro eRV anopa mari shoma, nzira yakagadzikana yekurarama uye kufamba.
06 Shandisa Public Transportation
Pandakanga ndichiri kuyaruka handina kukwanisa kumirira kuti ndiwane motokari. Asi iwe waiziva here mafambiro nhasi ndeyekuti vechidiki havafariri kunyange kutora permisi yavo yekufambisa? Kufanana neni, ungangodaro wakakurira nemafungiro emotokari sechiratidzo chekusununguka, asi zvakadini nekutora nzira itsva nekufunga nezvenzira dzaungagona kuenda kunze kwemota yako?
Google mapepa anopa nzira yekutsvaga migwagwa yevanhu vanofambisa paIndaneti. Kana iwe unogona kuisa mune imwe smartphone (Apple inopa mazano ehurukuro pasina kudzidza kuti ungashandise sei iPhones) uye zvino shandisa smartphone kuti ukwanise kubva kune dzimwe nzira dzekutakura sekutakura seUber kana Lyft.
Zvinogona kuva zvinotyisa kudzidza ruzivo rwemagetsi matsva pakutanga, asi kana wadzidza, unogona kuwana hukubatsira kuchengetedza mari. (Kana iwe uchida kudzidza nemavhidhiyo edza kutsvaga YouTube ye "Mazano eAlex for Older".)
Kuti uwane dzimwe tsika dzetsika, taurira vavakidzani kuti uone kana kune mikana yekuenda ku carpool kana kuwana misika yemunharaunda mukati mokufamba kana kumhanya.
07 Vacation for Less
Kufambisa hazvifaniri kunodhura. Musha wekutsinhanisa musha unoita kuti iwe utarise nzira dzekusika dzekutora mazororo nekushandura dzimba nevanhu munyika yose. Iwe unogona kunyange kutengesa motokari.
Iwe unogonawo kutsvaga masayiti akaita seShoveRentals kana VRBO (Vacation Rentals by Owner) kuti uwane hotera yakasiyana. Iyi nzvimbo dzepaIndaneti dzakagadzira nzira yakarongeka yokuti iwe uite dzimba dzevanhu. Kana ukangozviongorora, unogona kusarudza kubvarura imba yako kubva nenzira ino kubva panguva-kusvika-nguva.
Kana, kana uri kunzwa zviri nani, tarisa CouchSurfing kune imwe nzira inonakidza yekufambisa, kana Airbnb kubvarura kana nzvimbo yevhiki-kana kugamuchira mueni wako kuti uwane mari yakawedzerwa.
08 Shandisa Hurumende uye Isingabatsiri
Kana iwe uchida rubatsiro, usave wakanyanyisa kuzvibvunza. Ruzhinji ruzivo rwakanga ruripo nokuda kwechikonzero. Kana iwe uri chikamu chemunharaunda, bvunza rubatsiro rwaunoda.
Semuenzaniso, mapurogiramu anobatsira, akadai seaya aunogona kuwana paNutrition.gov, anokubvumira kuti uwane kudya kwakanaka kwekutengesa mitengo. Iwe unogonawo kudana nharaunda yako Yenharaunda yeSangano pakukwegura kuti uwane kuti chii chisingabatsiri munharaunda yako chinokwanisa kupa rubatsiro.
Iwe unogona zvakare kuedza Kudya paGorosi, kana kungotsvaga paIndaneti neguta rako sekunyora muInternet search injini "Guta remashumi makuru ehurumende" kuti uone zvinouya.
09 Ramba Uine Utano
Hausi mari yose yaunopedza yakaenzana. Mamwe madhora wamunoshandisa anogona kupa kudzoka kwakanaka pane utsvaga. Mienzaniso? Nhengo yekudzidzira muviri uye zvidzidzo zvipiko zvekubika zvinogona kunge zvirikutsvaga mari yaunenge wamboita.
Kuramba uine utano kunogona kubatsira kuderedza mari yako yezvokurapa-mune zvimwe zviitiko, inogona kunyange kubvisa kudiwa kwekushandisa mitemo inoramba iripo (nguva dzose inotungamirirwa noutano hwechiremba wako!)
Kuti uchengetedze mari yako yekurapa pasi upedze nguva yekudzidza nzira yekugara wakasimba uye yakakwana. Uye usakanganwa-dzimwe nzira dzakajeka dzekuramba uine utano hwakanyanya uye dzinodhura-kufanana nekufamba mazuva ose.
10 Chengetedza Chikwereti
Shandisa chikwereti zvakanaka. Vanhu vakawanda vanoomerera kuti vabhadhara chikwereti kuburikidza nekurasikirwa, izvo zvakanaka, asi mari yakakwirira inokosha yemhuri inogona kubatsirwa nekuchengetedza chikwereti chakanaka, chakadai seimba yekubhadhara mari kana kuti yakagadziriswa mari yekwereti. Chikwereti chose hachina kunaka.
Kune avo vakatoti vabuda mubhadharo, kubhadhara chikwereti kunogona kunge kuri kushandiswa kwakakodzera kwechikwereti. Aya marudzi ezvitoro akawana mukurumbira wakaipa kare kare, asi kubva ipapo mitemo yachinja. Kudzoka kutora chikwereti kunogona kunge iri mari yakawanda yekushandisa mari! Vape mukana wakanaka. Kana iwe uine mukana mumba mako uye uchida mari yakawedzerwa, usatya kutarisa mune zvekare zvekutengesa.
Uye kana ukawana chikwereti chakaipa chechikwereti, zvakadai semakero ekukwereta kwekadhi rechikwereti uye zvikwereti zvakakwana zvekukwereta zvausingakwanisi, taura nekambani yekupa zvikwereti chikwereti .