Nhungamiro Inobatsira Yokuisa Upenyu Hwako Pamufambiro Wekubudirira
1. Ziva Zvaunoda
Iva nechinangwa chakajeka, chakajeka chemari chegore.
Hazvina kukwana kutaura kuti, "Ndinoda kuti kadhi rangu rechikwereti ribhadzwe uye mari yakawanda mubhangi." Pane kudaro, unofanira kunyora kugadzirisa kwezvemari kunonzwisisika uye kushandiswa kwakafanana, "Ndine chikwereti pachikwereti changu kadhi yakabhadhara kusvika $ 0, inopfuura $ 5,000 munhoroondo yangu yekuchengetedza, uye IRA yakabhadharwa zvizere. "
2. Tanga kuisa Mari yako
Haasi chikwereti chose chakaenzana. Ita runyora rwezvikwereti zvako uye uronga nehuwandu hwemari yepagore . Vaya vane mari yakakwirira kwazvo (inowanzove yako kadhi rechikwereti chikwereti ) inofanira kubhadharwa pakarepo. Hazvibatsiri kuisa mari apo iwe uri kubhadhara 19 kubva muzana kana kupfuura mune zvekufarira gore roga roga. Muzviitiko zvakawanda, nzira yakanakisisa yekuita ndeyokutengesa chero chekuita chekuisa mari , zvikwereti zvekuchengetedza, kana zvimwe zvekubhadhara mari uye unozvishandisa kubhadhara pasi pasi muzere kana muchikamu. Sei? Kana iwe uine chikwereti $ 10 000 pane yako kadhi rechikwereti uye ubhadhara 19 muzana inowanikwa gore negore ($ 1,900 pagore), panguva imwe chete, uine $ 10,000 chetaiti yekubhadhara pabhangi, uchibhadhara iwe 4 muzana inofanirwa ($ 400 pagore), iwe zvechokwadi zviponese iwe $ 1,500 pagore nekuita chisarudzo chokubhadhara chikwereti!
3. Vhura Account Individual Retirement (IRA)
Kana usati waita zvakadaro, tanga gwaro rekurega basa uye tanga kupa michero kwairi . Mutori wako wezvemari kana kuti mutengesi wekodha anofanira kunge akakwanisa kukuudza iwe kana Mutambo kana Roth IRA uri nani kwauri. Zvose izvi zvinopa kubhadhara mitero inobhadhara mitero inogona kuwedzera kusvika kune mari yakawanda mari kuburikidza nekurega basa.
4. Inyoresa muIndaneti Yokuchengetedza Kuita (ASP)
Zvirongwa zvekuchengetedza zviripo zvino zvave zvakapiwa zvinhu zvose kubva kumabhengi ekambani kusvika kuhurumende dzehurumende. Kazhinji, unogona kuvhara nyore zvishoma mafomu eIndaneti, kana kuti kungoshevedza mutengesi wako uye uvaudze kuti unoda mari yakawanda inodzingwa kubva pakubvunzurudza kana kubhengeta purogiramu mwedzi wega wega, pane imwe zuva, uye ukaiswa muakaunti yako yekutsvaga. Kana kukanganisa kwemari yako kwaiva kuchengetedza mari yakawanda, kushandisa chirongwa chekuchengetedza chekuchengetedza chinokusimbisa iwe kuti uite nekuda kwekuti mari yacho inotorwa zvakananga kubva kubhangi rako usati waisa maoko ako pairi. Vashandi vanogona kuisa zvinyorwa zveAPP kuburikidza nepurogiramu yakatengeswa yekutsvaga mari yekambani. Mune zviitiko izvi, mari yacho inotorerwa uye inoshandiswa kutenga zvimwe zvikamu zvezvitoro mune imwe kambani. Hurumende yeUnited States inopa rubatsiro rwakadaro kune avo vanofarira kuisa mari muzvisungo zvekuchengetedza.
5. Isa Zvikamu Zvisingakoshi
Mabhangi uye masangano emari anotenga mari yezvinhu zvose pasi pezuva. Zvinonyatsokosha here kuti uve nezvikwereti zvakawanda kana kutarisa maakaiti? Kunyange zvazvo pane zvisizvo, muhuwandu hwemhosva mhinduro ndeyechokwadi kwete!
6. Ita Mari Kuita Zvaunoda
Vanhu vazhinji vanogona kutumidza zita chimwe chinhu chavanonyatsoda.
Imwe yenzira dzekunakidzwa nebasa rako ndeyokuita chete zvinhu zvaunofarira. Tsvaga nzira yekushandura mafungiro ako uye zvinokuvaraidza kuti zvive purofiti. Nyika izere nemabasa anoshamisa akadai sekuzara-nguva ye-ice cream tasters uye vhidhiyo yemavhidhiyo vheji!
7. Unganidza Zvaunofunga
Chero nguva iyo iwe unobhadhara zvinhu nemari, ingoshandisa mari yose yakawanda. Kana iwe uchienda kuresitorendi uye kutenga kwako kwese kunosvika $ 67.39, kuripa $ 70 mumari uye kuvhara mutambo. Chinhu chokutanga chaunofanira kuita kana uchienda kumusha ndechokukandira mari mune imwe mudziyo (pasina mvura jugs yakakwana). Funga nezvazvo sehomwe yenguruve yevanhu vakuru. Kana iwe ukanamatira pane iri purogiramu uye usashandisa chero shanduko, iwe unogona kuchengetedza mazana emadhora emadhora pamusoro pegore rose. Shandisa mari yekubhadhara chikwereti pasi, kutenga mashizha uye zvisungo , kana kuenda kune zororo.
8. Ipa Mari
Ndati izvi zvisati zvaitika uye ini ndichazvitaura zvakare: imwe yenzira dzakanakisisa dzekuona kukosha kwemari ndeyokupa mumwe munhu. Nguva inotevera paunowana mubhadharo wako, tora 5 kubva muzana yemari yako mukoti (greenbacks muhomwe yako ichaita kuti iite seyakanyanya kunyanya kudarika kana iwe wakangonyora cheki kana kushandisa kadi yebhanga). Famba mu Starbucks kana Dunkin 'Donuts uye usingazivikanwe kubhadhara kune mumwe mutengi mumutsara. Kana iwe ukapfuura mwana muWal-Mart achitarisa pamuchina mutsva wevhidhiyo, tora chikwereti chako uye uchitenge icho. Muzviitiko zvose izvi, avo vanogamuchira vechokwadi vanoyeuka mutsa wenyu kwemakore anotevera. Iyo inzira ine simba uye inobatsira yekushandura humwe hupenyu hwevanhu kuti huve nani apo ichikupa pfungwa yakanaka yekusununguka mune zvemari. Nenguva isipi, iwe unoziva kungovimbiswa $ 20 ine.
9. Tanga Kushandisa Personal Personal Software
Kwete kutinhira, asi ruzivo simba. Kana ndakabvunza vanhu vane gumi mumugwagwa kuti zvakadini zvavakapedza gore rapera pamusoro pekucheka bvudzi kana matikiti ebhidhiyo, mapfumbamwe vavo vangangodaro vasingagoni kupindura. Nekanyoro kadiki, zvakadaro, mumwe munhu anoshandisa purogiramu yemari yega yega anogona kuziva. Hewa nzira dzekutsvaga nyore nyore mari yako nemari . Ini pachedu, ndinoparidzira mushumo pakupera kwemwedzi weDecember uye ndinopedza manheru manheru ndichidzidza uye ndichienderera mberi nemari yangu nemari yegore. Ndinowanzoshamiswa nemari yandinoshandisa pazvinhu zviduku zvakadai sezvakaitika kare 20oz. bhodhoro reCoca-Cola.
10. Verenga Financial Book Mwedzi Unoga woga
Kana uchida kudzidza kudzidza, unoverenga mabhuku ekubika uye unopedza maawa pavhiki mukicheni. Kana uchida kudzidza kudzigadzira injini, unobvunza mumwe munhu kuti akuratidze. Izwi rakadhindwa rinoshamisa pakuti rinoita kuti iwe utaurirane zvakananga nemafungiro ekunaka mune zvemari emuzana remakore rapfuura. Nokunyora kopi yeThe Intelligent Investor , One Up kuWall Street , kana Common Stocks uye Inowanikwa Kubatsira , unogona kudzidziswa maonero ekukoshesa mari, kuisa chikwereti chako, uye kuona maitiro echikwata chekukura zvakananga kubva kuvanhu uyo akazviita zvakanyanya kubudirira. Mune mapeji ezvinyorwa, rufu rwavo, kubhadhara, kana nzvimbo yepanyama inoshandurwa kusina maturo, asi pfungwa dzavo, mafirosofi, uye maitiro zvinorarama. Zvinoita sokuti urikukoka Benjamin Graham kana Firipi Fisher kupinda mumba mako nekungotora kopi yebasa ravo nekushandura peji pashure peji. Kuramba uchizvipira kuti udzidze zvakawanda zvaunokwanisa pamusoro pemarikiti yemari, mararamiro emari, uye mari yezvizhinji, inonyanya kukosha mukusika pfuma yakareba .