20 Matambudziko Aunogona Kutora Kuti Uchinje Mari Yako Yezvemari

by Miriam Caldwell

Kana iwe uchinzwa wakanamatira mumamiriro ako ezvinhu kana kuti iwe haugoni kusvika mberi zvisinei nokuti unoitei, unofanirwa kuchinja zvimwe nenzira yaunoshandisa nayo mari yako. Iwe unofanirwa kumira kusabvisa mari yako uye unotanga kuchinja. Izvi zvinetso zvakasiyana-siyana muhurefu asi zvinogona kuita kusiyana kukuru mukubudirira kwaunoita mukubata mari yako gore rose.

01 Kutanga Budgeting

Kana uri kutambura nekubata mari yako, saka iwe unofanirwa kutanga kutanga bhajeti. Ive bhajheti yako ndiyo yakanakisisa yako yekushandura mari yako yeramangwana. Kana iwe usati watova bhadharo mwedzi woga woga, unoda kugadzirisa bhadha ikozvino. Kana uine bhajeti, asi haisi kushanda, tora nguva yekuona kuti ungagadzirisa sei bhajeti rako kuitira kuti unotanga kuita kuti mari yako ibate basa rako.

02 Dzvora Mari Yenyu Mwedzi

Chinhu chiri nyore iwe unogona kuita kuti uchinje mari yako yezvemari ndeyokuchera mari yako yemwedzi . Izvi zvinogona kuitwa nemasarudzo mashomanana, kubva pakuderedza mari yako yekushandisa iyo kusarudza vasaradzi vakasiyana-siyana veinishuwarenzi yako nemamwe mabasa. Tora nguva ikozvino kuti ucheke chikamu chimwe chezvikwereti zvako kwemwedzi mishomanana inotevera.

03 Svitsa Dharira

Kana iwe uchinzwa sokuti kushandiswa kwako hakusi kwekutonga kana iwe unongoda kuzadzisa zvinangwa zvako zvemari nekukurumidza, iwe unofanira kufungisisa kugadzira cable . Kune dzimwe nzira dzakasiyana dzinokubvumira kutarisa zvinoratidza kuti unoda kunze kwekushandisa tani mwedzi woga woga. Pane dzimwe nzira kana iwe usingadi kusiya zvese zvemitambo.

04 Stop Eating Out

Imwe yenzira dzakakosha yekuderedza mari yako ndeyokudya kunze. Iko kunokonzereka kunogona kunge kwakanaka, asi kuchengetedza kunogona kuwedzera kana iwe ukatanga kubika pamba panzvimbo yekudya kunze kwezuva rimwe nerimwe. Tora dambudziko rekurega kudya kunze nekubika pamba kwemavhiki. Vhiki inouya, tanga kutora mabiko ako kuti ashande. Unogona kushamiswa nekuwanda kwokuti iwe unogona kuchengetedza sei.

05 Gadzirira Mwedzi Menyu

Kana pfungwa yekubika usiku humwe huri kukuvhundutsa kwauri, kuronga mishonga yemwedzi unoita kuti zvive nyore nyore. Chinhu chakanaka pamusoro pekugadzirira mwedzi wose ndechokuti iwe unogona kuita batch kubika kana kucheka. Zvinoita kuti zvive nyore kutengesa uye kuvimbisa kuti iwe unotora zvishoma zvokudya sezvo iwe uchangoshandisa zvose zvishandiso zvaunotenga. Imwe nzira ndeye kushandisa mapurogiramu ekugadzira menyu kuti ubatsire kuita kubika uye kutengesa zviri nyore.

06 Verenga Bhuku Pamusoro Pemari Yevanhu

Kana iwe uchida kuchinja chimwe chinhu pamusoro pemari yako, asi iwe hauzive kuti unotanga kupi, unofanira kufunga kuverenga bhuku pamusoro pehurukuro. Kana iwe uchida kubuda muchikwereti, unofanira kutarisa The Total Money Makeover naDave Ramsey . Mari Yenyu kana Upenyu Hwako chimwe chidzidzo chikuru chinokubatsira kutarisa nzira yaunoshandisa nayo mari yako zvakasiyana.

07 Dzidza nezvekutsvaga mari

Imwe yenhanho dzinokosha yekuvaka upfumi ndotanga kuisa mari. Kana pfungwa yekuisa mari ichikutyisidzira iwe zvino tanga kudzidza pamusoro. Nyora mukirasi pamusoro pekutsvaga kana kuedza purogiramu kana purogiramu inokuita iwe kudzidzira kuisa mari apo iwe uri kushanda kunze kwechikwereti. Iwe unogona kuwanawo mutariri wezvemari uyo anogona kukubatsira kunzwisisa mutengesi.

08 Ratidza Kuoneka Zvechokwadi Zvinangwa

Tora nguva yekuisa zvinangwa zvauri kushandira. Kana iwe usina zvinhu zvakananga zvauri kushandira, zvakaoma kuzvikurudzira iwe pachako kuchengetedza mwedzi mumwe nomumwe. Sezvaunoisa zvinangwa zvako unova nechokwadi chokuti ndezvechokwadi . Iwe hausi kuda kuora mwoyo nokuti unoda kubhadhara $ 40,000 mune chikwereti mugore rinonguva iwe paunongoita $ 30,000. Ita nzira yekutarisa zvinangwa zvako kuitira kuti iwe uone kuti wakaita zvakadini. Izvi zvinogona kukubatsira iwe kuramba uri munzira apo iwe uri kushanda pane chinangwa chenguva refu.

09 Rongedza Hurongwa Hwehupfumi

Chirongwa chezvemari chinokosha kana iwe uchida kuzadzisa zvinangwa. Urongwa hwako hwemari huchagadzira nguva yezviitiko zvikuru muupenyu hwako. Ichakubatsirawo iwe kuisa mberi zvinangwa zvako, sezvo inowanzobudirira kutarisa pane imwechete kana mbiri pane imwe nguva. Iyi hurongwa inofanira kusanganisira zvinhu zvakadai sokutenga imba, kuchengetedza kubhadhara, nekubhadhara vana vako vekudzidzisa kwekoroji.

10 Bvisa Chikwereti Chako

Chimwe chezvinhu zvoupenzi zvikuru zvaunogona kuita ndekutakura chikwereti chakawanda, kunyanya chikwereti chikwereti chikwereti. Kana iwe uchida kuchinja mifananidzo yako yemari uye kuwana mikana yakawanda yemari, unoda kushanda pakubhadhara chikwereti chako nekukurumidza sezvazvinogona. Isa chirongwa chekubhadhara chikwereti nhasi uye gadzirisa zvinangwa zvingakubatsira iwe kuti uibhadharire nokukurumidza sezvaungaita.

11 Rega Kushandisa Makadhi Makadhi

Kana uri kutambudzika kuti uwane mimwe mwedzi woga woga, unogona kuvimba nemakadhi ako ekwereti kuti uwane. Zvisinei, kana iwe uchida chaizvo kuchinja mari yako yemari, unofanirwa kurega kushandisa makadhi ako . Kana iwe uchiramba uchiisa mari pamakadhi ako, iwe uchaguma uchibhadhara kakawanda mwedzi woga woga nekudzivirira mari yakawanda yaunowana kwauri. Siya makadhi ako ekwereti kumba, uye uwane kutarisa bhajeti yako kuitira kuti iwe utange kuchinja mari yako yemufananidzo.

12 Tora Hanya Nezvikwereti Zvevadzidzi Vako

Mudzidzi wako chikwereti chikwereti chinogona kukuteverai kwemakore akawanda kana iwe usingashandisi pamusoro pavo. Kunyangwe iwe uchida kuvasimbisa , ona kana iwe unokodzera chikoro chekukanganwira chikwereti chemudzidzi kana kungovaisa muurongwa hwekubhadhara chikwereti chako, unoda kuita chimwe chinhu pamusoro pemudzidzi wako chikwereti nokukurumidza.

13 Tanga Kuchengetedza Vhiki Yese

Imwe dambudziko ndeyekuisa mari mukuchengetera vhiki imwe neimwe. Izvi zvinogona kuva mari yaunowana kuburikidza nekuchengetedza pamari yako yezvokudya mumwedzi wega wega. Inogona kuva mari yakatarwa yaunenge uisa pane imwe neimwe yekubhadhara. Tarisa nzira dzokuwedzera mari yako . Tanga kuripa iwe mwedzi woga woga. Nokukurumidza mari ichatanga kuwedzera. Tanga ne $ 20 chete pavhiki, iwe unopedzisira unopfuura $ 1 000 pagore.

14 Endai Mukushora Zvokudya

Imwe dambudziko rinogona kukubatsira kuti usapedza mari yako ndeyekushandisa kushandisa mari nokukurumidza . Kushandisa mari nokukurumidza ndiko kwaunomira kushandisa mari kwenguva yakati yakatarwa. Kazhinji idzi mwedzi inopera nguva refu uye zvisiri izvo zvakagadzirwa nokuda kwegesi uye mari shoma yezvokudya. Izvi zvinogona kukubatsira kuti uchinje tsika dzako uye uongorore zvaunoda kunze kwezvaunoda.

15 Chengetedza Kuponesa Kwako

Kana iwe uri mukuru pakuisa mari mumari yekuchengetedza mwedzi woga woga, asi zvinoita sekuti mari yako yekuchengetedza haisi kukura chaizvo, unogona kutora matanho ekuchengetedza mari yako kubva kwauri. Izvi zvinogona kuva zvinhu zvakafanana nekufambisa mari yako kubhengi rekuInternet kana kutanga purogiramu inokurumidza .

16 Wedzerai Kurasirira Kwako Kubhadhara

Iwe unotanga kutanga kuchengetedza kubhadhara kubva panguva yaunotanga basa rako rokutanga. Kana uri kushanda pakubuda mune chikwereti, shingairira kumutambo unopiwa neunoshandira. Kana iwe usina chikwereti, shanda pakuwedzera mari yako kusvikira wava kupa zvikamu zvezana 15 muzana yemari yako.

17 Tsvaga Mamwe Mamwe Mapato Ekubhadhara

Dzimwe nguva nyaya dzezvemari haisi kupedza zvinhu, asi zvinowanikwa mari. Zvakanakawo kuti uve nemamwe emhando yekuwana mari. Izvi zvinopa humwe hugadzikane, kunyanya kana iwe usina kuroorwa kana iwe uri imba imwe chete yaunowana. Tsvaga pfungwa dzinokubvumira kuti uwane mari kune rumwe rutivi kana kuwedzera kune basa rako. Passive mari inoita nzira yakanaka yekuvaka upfumi kana kuwana mari yakawanda kuti uwane chikwereti.

18 Kuvandudza Unyanzvi Hwako hweJobho

Chimwe chinhu chinokosha chaungaita ndechokuwedzera basa rako kuchengeteka. Imwe nzira yekuita izvi ndeyekuti uve nechokwadi chokuti une unyanzvi hwaunoda kuti urambe uchikwikwidza kubasa. Izvi zvinogona kureva kutora zvidzidzo zvepamusoro kana kudzidziswa kuburikidza nemushandi wako iye zvino. Zvinogona kureva kudzokera kukoroji kwechikoro chekudzidza.

19 Gamuchira Mari Yakakwana yeInishuwarenzi

Iwe unogona kuchengetedza mari yako nekuva nemari yakakwana ye inshuwarisi. Izvi zvinofanira kusanganisira motokari uye renter's or home inshuwarse, pamwe chete nehutano uye inshuwarisi yehupenyu. Inishuwarenti inokuchengetedza kubva pamatambudziko anokwanisa kuisa mari yako mumhepo. Kana iwe usati uine inshuwarisi, tanga kutsvaga kugoverwa nhasi.

20 Ita Zvakanakisisa Zvebasa Rako Rashandi

Mukuwedzera pakubhadhara kwako uye hutano inshuwarisi, kambani yako inogona kupa mamwe mabasa anobatsira senzira yemishonga inshuwarano , inshuwarisi yekuona, uye kushandiswa kwemashandisi ekushandisa mari. Haasi yose yezvikomborero izvi zvingave zvakakosha mari yakawanda yaunenge uchibhadhara, asi mamwe acho angave. Tora nguva yekuita kuti iwe uwane zvakanyanya kubva kubasa rako rinobatsira.