Asi chinhu chimwe chete kuziva kuti chii chaunofanira kuita - ndicho chimwe chinhu kuti uite. Iwe unoziva mhembera yekare kuti iwe unogona kutungamirira bhiza kumvura, asi iwe haugoni kumuita kuti anwe? Zvakanaka, vazhinji vedu isu tine nyota, tichizvitungamirira kumvura, uye tinoramba kunwa.
Saka iwe unogona kuedza kuzvinyengera pakuita chinhu chakanaka. Kana iwe ukazviwana uri-kilter nokuda kwezvinangwa zvako zvekurega basa, hezvino nzira ina iwe unogona kuzvinyengera kuti uve mupfumi.
Shandura Kuponesa Kwako
Vazhinji venyu mungangodaro makaverenga bhuku raDavid Bach, The Automatic Millionaire . Pfungwa iyi iri nyore: ita zvinhu zvose zvive nyore. Izvozvo zvinoreva kuti iwe uchatora mari yako, mari yako yekubhadhara mari - kunyange chegumi kuchechi yako kana zvipo kune zvipo zvako zvaunoda - zvakanyatsogadziriswa. Iye zvino wava kuzvisunungura pane kumwe kushungurudzika, uye wakabvisa zvikonzero zvinokudzivirira kuti usapfuma. Zvigadzire, zvikanganwe, uye funga nezvekuwana mari yakawanda.
Mashoko akanaka ndeokuti nzvimbo dzakawanda dzekushanda dzinoita kuti zvive nyore kuisa mari yako yekuchengetedza mari . Kana iwe ukashandira mumwe munhu, iwe unogona kunge uine ruzivo rwumwe rudzi rwerongwa hwekurega basa, kana iri 401 (k), SIMPLE, kana imwe imwe sarudzo yekutsvaga. Panzvimbo pane imwe yakagadziridzwa madhora, unofanira kuchengetedza chikamu chebhadharo yako, kuitira kuti semari yako yaunowedzera, ndizvo zvakaita mari yaunopa.
Izvi zvinonyanya kuitika kana wako waunoshandira achipa zvakaenzana, izvo zvinowanzotarisana nehuwandu hwaunoponesa. Uye sezvo mari yako inowedzera uye iwe unokwanisa kukwanisa kuchengetedza zvakawanda, wedzera huwandu hwaunobatsira paurongwa hwako hwekurega basa . Kunyangwe huwandu huwandu huwandu hwepakati huchaita musiyano mukuru pasi pemugwagwa.
Capitalize pa Windfalls
Taura nevanhu pamusoro pemafungiro emari, uye iwe uchawana mhinduro yakafanana nekupfuura: "Izvozvo zvichava zvakanaka!" Asi chokwadi ndechekuti tine mhepo nguva dzose, kazhinji kamwe kamwe pagore.
Nyaya yakawanda yehupfumi mazano ichakutaurira kuderedza mari yekutora inotorwa kubva pamari yako kuitira kuti usapa hurumende chikwereti chisingabatsiri. Isu tinoti mazano akaremara : Vanhu vakawanda vari kunyanya kushandisa mikana yekubhadharisa mafuta kupfuura ivo vangadai vachiripa mari yakawanda. Saka tora mari shoma kubva pamitero iyoyo uye unofara nayo, woisa vamwe vose muaresi yekubvisa mari, misika yemari, uye kubhadhara chikwereti.
Dzimwe mhepo dzinogona kukwanisa kuverenga: mabhonasi emagumo emagumo, nhaka, uye mari kubva pakushanda kune rumwe rutivi. Tora zvakakodzera maererano.
Ramba Uchiri Nyore
Muma1960, US Navy yakagadzira KISS. Iwe unozviziva se "Ramba Uchitaura Nyore, Benzi."
Asi vanhu vazhinji vanodudzira kuti zvakaipa. Iko chaizvoizvo hazvirevi kuti uve nhengo mukati mazvo; "Benzi" harisi kureva munhu, asi rinotsanangura zviri nyore. (Mutsara unonyanya kukodzera ungadai uri "Ramba Uine Utsinye Husinganzwisisiki.") Pfungwa yokuti nzira yakanakisisa ndiyo inonyanya kuchengetedza nekugadzirisa inoshandiswa kune imwe nzvimbo yese yehupenyu hwedu, kusanganisira mari yedu.
Ngatiti iwe unotanga basa idzva apo iwe unowana 10 muzana inowedzera kuwedzera pamusoro pebasa rako rapfuura. Kushandisa mari yakawedzerwa pane mamwe mararamiro zvakanaka - zvakanaka kuti uzviitire iwe, kune imwe nzvimbo - asi kana iwe uchida kuzvinyengedzera kuti uve mupfumi, unofanira kufungidzira kuti kuwedzera kwebhadharo hakuna kuuya. Ramba uine hupenzi husina mano, usina kubhadharwa kwemotokari itsva kana kubhadhara chikwereti chikuru, uye iwe uchava nekugutsikana kwekutarira mambure ako akakurumidza kukura. Uye kunyange kana zvikwereti zvakakosha izvi zvichiwedzera zvisingasviki nguva dzose, iwe unogona kunge uchiita zvekuita pamusoro pekuwedzera mararamiro ako kuti urarame zvishoma. Chengetedza mararamiro ako akareruka, uye nhoroondo yako yenyaya ichakura.
Rega Kuvhura "Zvimwe" Zvokubhadhara
Unobhadhara rinhi? Vamwe vanhu vanobhadhara musi wekutanga uye wegumi neshanu wemwedzi. Vamwe vanobhadhara chete pakutanga.
Asi vanhu vazhinji vanobhadharwa vhiki mbiri. Izvo zvinowirirana kaviri mwedzi mumwe nomumwe, asi chaizvoizvo kune makumi maviri nemaviri panguva yegore. Izvozvo zvinoreva mwedzi miviri kubva pagore, iwe unowedzera "pay" paycheck.
Dambudziko rinomuka pakuti vanhu vanogadzirisa zvekubhadhara makumi maviri nemakumi maviri nemapfumbamwe. Pane nzira iri nani. Budget yemadhora makumi maviri nemasere akaparadzana nemwedzi gumi nemaviri, uye ikozvino une "2" inowanikwa mari inogona kukubatsira kuti uwedzere mari yako inokosha.
Kana iwe une chikwereti chemutengi, chinangwa chako chekutanga chinofanira kuva chokudzima icho kunze kwezvikwereti "zvekare". Kana zvisingaiti, iwe unogona kugovera upfumi hwako hwekuchengetedza mari, huchienda kure mune mari yekukurumidza , kana kubhadhara mari yako . Kubhadhara kunze kwavo ndeye nzira iri nyore yekusazombofanira kunetseka pamusoro pavo.