Gore idzva inguva yakaisvonaka yekugadzirisa zvinangwa zvemari . Zvisinei, hazvishamisi kupisa uye kudzokera kumitambo yekare. Izvi zvinangwa zvakagadziriswa kuti zvikurumidze kusvika uye zvichiri kukubatsira kuti uchinje zvakanaka mari yako. Iwe unokwanisa kukwanisa kupedzisa zvinangwa izvi mukati memwedzi wokutanga.
01 Chengetedza $ 1 000 Zvakarurama
Imwe yenhanho dzokutanga yekudzora mari yako pachako ndeyekuti uwane mari yakagadzirirwa pane zvinokurumidza. Chimwe chekutanga chakanaka chiri $ 1 000 Unogona kushamisika kuti unokurumidza sei kuchengetedza iyo mari . Edza nzira dzinosanganisira kuchengetedza mabhonasi kana kutora mutero. Iwe unogona kuderedza mari inofadza yemwedzi kuti uise kune iyo yakawanda, kutengesa zvimwe zvinhu paIndaneti kana kushanda semhepo yekutengesa kwezororo. Mari yacho inofanira kuwedzera nokukurumidza uye iwe une hurongwa hwekukurumidzira munzvimbo. 02 Gadzira Budget Imwedzi
Muzvokwadi, kuisa bhajeti yako zvechokwadi hazvifaniri kutora nguva yakawanda. Kunyange kana iwe usingagumi uchiomerera pamwedzi wega wega, kudzidza kuti unoita zvakadini, zvaunopedza uye kuti izvozvi zvakaenzaniswa zvinogona kukubatsira sei kutanga kuita sarudzo dzinoshandiswa mune zvemari vhiki imwe neimwe. Bhijhini ndiyo hurongwa hwako hwekushandisa kwemwedzi, asi inogona kukubatsira kuti uone nzvimbo dzaunoda kutarisa, uye kungoita imwe chete kunogona kukubatsira kuti uwane ruzivo kumari yako yausina kumboita. 03 Gadzirira Pamusoro Pemazuva Ekubhadharwa
Kutora nguva shoma kunogona kudhura. Mari dzemazuva mashoma dzinogona kuwedzera nokukurumidza uye zvinogona kuva zvakaoma kubata uye kufambira mberi pawakarasika. Ita kuti ive chinangwa chokubata ikozvino , uye iwe uchava nani pane ramangwana. Iwe unogona kuwana mari yakawedzerwa nekushanda basa rakawedzerwa kana kutengesa zvimwe zvinhu. Iwe unogonawo kukwanisa kuonana nemakambani uye ona kana vachizogadzira chirongwa chekubhadhara kuti iwe ubatwe kumusoro kwemwedzi mishomanana, iyo inogona kuita kuti hurongwa huwedzere kutaridzika. Kana iwe uri kuita kutenda kwakanaka kubhadhara makambani haashoma kukuudza iwe kuhomwe. 04 Kubhadhara Rimwe Chikwereti Chekwereti kana Mishonga Yezvokurapa
Zvinogona kuonekwa zvakanyanya kufungidzira kufunga nezvekubhadhara chikwereti chako chose. Izvi zvinowanzotora mwedzi kana makore. Pane kungosarudza chinhu chimwe chete kubhadhara nokukurumidza. Tarisa pamari yako shoma yedzimwe mwedzi uye ona zvaunogona kuita kuti ubhadhara imwe chete kubva pamwedzi uno. Kana uine kadhi rechikwereti rechitoro rine bhadhare yakaderera, kana iwe unokweretesa mwedzi mumwe nomumwe kuchipatara, unogona kukwanisa kubvisa izvo zviri nyore. Iwe unogona kutora mari iyoyo woishandisa kune yekuvaka mari yekukurumidzira kana kune imwe chikwereti, asi iwe uchave wakagadzirisa mamiriro ako nekungosiya zvishomanana zvikwereti zviduku. 05 Dzvora Mari inodhura pamitemo mitatu
Edza kutsvaga nzira dzekuderedza mari yaunobhadhara mwedzi mumwe nomumwe pane zvinyorwa zvitatu . Nzvimbo iri nyore kutanga ndeyebhadhiro yako. Funga kucheka tambo uye kutamira kune rimwe basa raunogona kuyambuka paIndaneti. Pane zvingasarudzwa zvinodhura chikamu chakakura kudarika cable kana sataneti uye vazhinji havakwanisi kusarudzwa kwemwedzi. Imwe gwaro raunogona kufunga kuti kuchinja ndeyefoni fani vapeji. Tenga zvakapoteredza nokuda kwezvirongwa zvakanakisisa uye zvinoshandiswa. Kana iwe ikozvino wakapfigirwa muchibvumirano, pangave pane chibvumirano apo kambani itsva ichatenga kuonana kwako. Tsvaga nzira dzokuderedza kushandiswa kwemagetsi ako kana mvura yemari senzira yekuchengetedza mari. 06 Ungana Nesangano Rezvemari
Kugadzira musangano neanoronga mari haufaniri kutora nguva refu. Kana uchinge uine musangano, iwe unofanirwa kuva nemafungiro ari nani ekutsvaga zvinangwa zvaunoda kugadzirisa uye mazano ekukubatsira kutanga kutenga. Zvinogona kubatsira kubatsira neanoronga mari yako kana mupi mazano kamwechete pagore kuti uongorore podfolio yako uye kuona kana iwe uchida kuchinja hurongwa hwako hwehupfumi sezvo hupenyu hwako huchachinja uye huchachinja. 07 Vhura IRA kana Kutanga Kugovera kune Wako 401 (k)
Chimwe chinangwa chakareruka ndechokutanga kuponesa nekuda kwekurasikirwa kana iwe usati watova. Taura nemumiririri wevanhu vako kuti vadzidze zvaunoda kuita kuti utange kugovera kune yako 401 (k) . Tanga nekupa mukana wemushandi wako uye iwe unogona kushanda pakuwedzerwa iyo gore negore. Kana iwe usingakodzeri chirongwa chokubvisa basa, funga kuzarura IRA uye utange kuponesa nokuda kwekurega basa ipapo. 08 Endai Mukushora Zvokudya
Kushandisa mari nokukurumidza ndeko paunorega kushandisa mari kunze kwezvinhu zvinokosha zvakadai sezvokudya uye gesi kwenguva yakatarwa. Kunyanya kushandisa mari kunogona kubatsira chaizvo kana uri kuedza kuputsa tsika dzekare dzekutengesa kana iwe unoda kukweretesa mari yechikwata chekukurumidzira nokukurumidza. Ingosarudza nguva yakareba sei iwe uchida kuenda kune yekutsanya, kazhinji mwedzi mumwechete, wozorega kushandiswa. Iwe unogona kuwana kugadzira uye unowana mabasa asina kuita kuti uite kana kupedza nguva kumba. Vanhu vazhinji vanosarudza February semwedzi wokupedza kushandisa mari nokukurumidza, sezvo iri shomanana, asi inogona kuitwa chero nguva. 09 Gadzai Inishuwarenzi Yokuona
Chinhu chimwe chinokosha chaunofanira kuita gore roga roga ndechekuongorora inshuwarisi. Chikamu chekutanga cheizvi chinoita kuti uve nechivimbo chekuchengetedzwa kweinishuwarenzi. Zvido zvako zvingave zvashandurwa mugore rapera, uye saka inshuwarisi yako inoda kunge yakashanduka zvakare. Kana iwe wakaroorwa kana uine mwana, unofanirwa kutarisa mune kuwedzera inshuwarisi yehupenyu. Motokari nemishonga yechipfuva inowanzokwira gore negore kunyange kana iwe usina chaunenge uchitaura. Iwe unogona kukwanisa kuwana mizinga iri nani nekushandura makambani. Tora nguva yekutengesa uye ona kana iwe unogona kuchengetedza mari gore rino . 10 Rega Kushandisa Makadhi Makadhi
Chimwe chinangwa chiri nyore ndekuzvipira kurega kushandisa kadhi rechikwereti zvachose. Izvi zvinokubvumira kuti ubhadhe chikwereti chako uye utange kufambira mberi nemari yako. Kunyange kana iwe wose waunotanga kutanga kutengesa kushandiswa pamakadhi ako gore rino, iwe unenge uri nani pamagumo egore. Funga uchisiya makadhi ako ekwereti kumba. Kana iri muedzo wakawanda kunyange ikozvino, kuvasvibira mumagetsi echando zvechokwadi kunogona kukubatsira kuti usapedzisira watenga kutenga uye funga pamusoro pezvauri kushandisa uye nguva. Iwe unogonawo kutsvaga kubvisa ruzivo rwekadhi rakachengetwa pane zvese zvaunofarira zvepaIndaneti, saka unofanira kumira uye funga usati watenga.