Zvisungo Zvokuve "Vafumi" Hazvive Zvisinganzwisisiki Sezvaunofunga
Ndinoona vanhu ava mazuva ese evhiki. Vanotyaira Toyotas, Hondas, Kia, uye nguva dzose Jeep Cherokee. Vakaponesa kwenguva yakareba uye pakupedzisira vanozviwana ivo mumamiriro ekusiya basa ravo uye kurarama hupenyu ivo pachavo. Pano pane zvakavanzika gumi izvo vanhu "vakapfuma" vakafanana:
1. Job Stability. Kusiyana nekutenda kwakakurumbira, kune vazhinji vane mamiriyoni kunze uko vasina kupiwa gwaro rekuvimba, uye havana kuita mamiriyoni emadhora usiku humwe panguva ye internet boom. Ivo vanhu vakagara nemumwe mushandi kwenguva refu-dzimwe nguva makore makumi matatu kana makumi mana. Kuramba nekambani imwechete kwemakore mazhinji kunogona kupa mibairo mikuru, kusanganisira mhedzisiro yakanaka yekupedzisira, zvikwereti zvepensheni zvakakosha uye zviyero zvakakura zve 401K. Kunyange zvazvo zvichiita seusingafungi kufunga nezvekushandira mushandi mumwechete kwemakore makumi maviri kana kupfuura mazuva ano, kune vanhu vakawanda vanozviita, kusanganisira vadzidzisi nevamwe vashandi vehurumende.
2. Vakachengetedza Vakatsiga. Vazhinji vevapfumi vakapfuma vakatanga kutora mupiro wepamusoro kune avo 401 (k) s mumakore avo makumi maviri kana makumi matatu. Yeuka, dhora rose rauriisa mukati mako 401 (k) rinotanga kubhadhara, iyo inobatsira zvikuru. Uyezve, makambani mazhinji anopa zvipo zvakakodzana, izvo zvisingabhadhari kwauri. Iva nechokwadi chekutarisa nedhipatimendi rako revanhu rekushandisa kuti uwane kuti iwe unoda zvakadini kuti uwane mutambo.
Muna 2015, mibairo yemiganhu yakawedzera nemadhora mazana mashanu, uye iwe unogona kuchengetedza $ 18,000 mumakumi 401 (k), 403 (b), 457, kana hurumende yeTrift Savings Plan. Muganhu wekubata-up-up kune ani zvake anoshandura makumi mashanu muna 2015 achawedzera zvakare, kubva pamadhora mashanu kusvika ku $ 6,000 (nokuda kwechipo chikuru che $ 24,000).
3. Chengetedza Bvisa. Imwe yenguva huru mumabasa edu ose ndiro zuva ratinoudzwa kuti tiri kuwana. Kunyange zvazvo zvingave zviri nyore kubuda uye kupedza mari iyi yakawedzerwa pane chikepe chitsva kana kuti zororo, rimwe runyengeri randakaona avo vanoponesa vanoshandisa iko kuchengetedza zvishoma hafu yebhasi inomutsa. Iro mari iyo inogona kupedzisa mubasa rekushandira mari kana kubhadharisa, kubatanidza, kukupa mari yakawanda gare gare.
4. Varimi. Vanhu vane mamiriyoni vane zvikwata zvinowanzotora masimba avo kwemakumi emakore (kwete makore chete). Vanobvumira zvikwereti zvavo zvakare kugadziriswa kwenguva yakawanda uye nokudaro vanobatana mukukura kwenguva refu kwehupfumi hwedu. Izvi zvinoita kuti vakwanise kubva kune "vadzidzisi," avo vanongodyara muCD kana mari yemisika.
5. Usityi Kubvunza Mazano. Vazhinji vane mamiriyoni havasi ivo-ivo-yourself (DIY) vatengesi. Vanoziva kuti simba ravo ndei, uye kana simba ravo risingarevi mukuisa mari uye kuronga kwemari, vanoisiya kubva kune vadzidzisi.
6. Kubhadhara Mortgage. Chimwe chinhu chinokosha "munhu mupfumi" anofamba, uye chimiro chevakasununguka zvikuru, ndeyekubvisa chikwereti nemakore 65. Izvi zvinogona kureva kugadzira maviri kana matatu okubhadhara mamwechete gore kana kubhadhara zvimwe zvishoma pamutengo wekubhadhara kwemwedzi mumwe nomumwe. Iyi Bankrate.com chikwereti chekubhadhara chikwereti chinogona kukuratidza kuti mari yakawanda sei inogona kukuendesa pedyo nehutori-husina hupenyu, pamwe nekuwanda kwezvaunogona kuchengetedza nekuwedzera chikwereti chako chekubhadhara mari.
7. Usazviisa muFancy Toys. Maererano neSpectrem Group, iyo yakaongorora uye yakarongedza dzimba dzakapfuma yenyika kwemakore, "vane mamiriyoni vanoita sevanochengetedza nemari yavo uye havasi kunze uko kutenga mink nguo uye zvishongo zuva rimwe nerimwe." Mamiriyoni mashoma ane BMWs, Mercedes, $ 3,000 maziso, kana $ 5,000 sutu. Inenge 40 muzana ye "vapfumi" vanotenga motokari dzavo dzinoshandiswa.
8. Good Credit. Izvo zviri nani FICO yako chikamu , iyo yakaderera iyo inowanikwa mubereko inobhadharwa paunotenga uye nemari yemari. "Vafumi" vanoita izvi nokutakura chikwereti chiduku.
9. Goal Setting. Vafumi havangogumburwi kubudirira. Vanoronga uye vanoisa mberi zvinangwa zvavo uye vanoona kuti vangaita sei. Mamiriyoni ane zviratidzo zvakajeka zvezvavanoda, uye tora matanho anodiwa kuti uende ikoko.
10. Real Estate. Vakawanda "vapfumi" vanhu vanotenga dzimba dzisinganyanyi kutengeswa kana dzinopisa munzvimbo dzinobhadhara. Vanozvichengetedza zvakakodzera, kana kuvabvarura zvachose. Vanobhadhara mari yavo yekutenga uye vakapedzisa nemari-inoyerera zvinhu zvinobatsira kuvaka mambure avo anokosha zvishoma nezvishoma makore makumi matatu.
Izvo zvakavanzika zvekuva mamioneyoni hazvisi sevanoshamisa sezvamungafunga. Zvimedu zviduku, kuisa chinangwa uye nguva yakareba yekugadzirisa zvemari zvinogona kukuendesa pedyo neyoyo nhamba yechinomwe.
The Balance haisi kupa mutero, utsvaji, kana mazano ezveshupfumi. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.