Heano matanho mashanu aunoda kutora gore iwe wapedza kudzidza.
Tanga Kuchengetedza Kubhadhara
Nokukurumidza iwe uchitanga kuchengetedza zvekurega basa , zviri nani kubva iwe paunouya nguva yekurega. Kana iwe uchitanga nebhadharo yako yokutanga, iwe haungaporwi mari nokuti uri kugadzirisa kune misha misha uye mararamiro ehupenyu. Kana iwe usingakodzeri kuisa mari yako mu 401 (k) pakarepo, unogona kuzarura IRA uye uchitanga kuripa iyo mwedzi woga woga. A Roth IRA ichakubvumira kuti ubve pamubhedheni wako pasina kubhadhara mitero pamari, asi tsika yeRA inogona kubatsira kuderedza mari yako inotengesa. Iwe unogona kuzarura IRA pane imwe kambani yemari yekutengeserana uye kusarudza zvikwata zvakasiyana kana kuti mutero wemari yekuisa mari.
Paunenge uri mumakore makumi maviri nemakumi maviri, iwe unogona kuva nehasha nemhando dzemari yaunoshandisa iwe. Mari yakawanda inotyisa ichakurumidza kukurumidza, asi ine ngozi yakawanda. Zvisinei, kana iwe uri mumakore ako makumi maviri, iwe uchava nenguva yekuve nemusika kuti uwane kana uchizoenda.
Paunenge wava pedyo nekurega basa, iwe unofanirwa kuva wakachengeteka pamusoro pekutsvaga kwako.
Iva nechokwadi chokuti uri kushandisa zvakakwana chero mutsara wose uri kupiwa nemushandi wako. Iyi inzira yakanaka yekuchengetedza nyore nyore kubhadhara. Vamwe vashandi vachabva vapa mari yakatarwa, asi vamwe vanofananidza zvipo zvenyu kusvika pane imwe mari.
Iwe unofanirwa kugovera kusvika pamusangano iwoyo kuitira kuti ugone kugamuchira mari yakawedzerwa yezvinangwa zvako zvekurega basa.
Ita Hurongwa Hwekutarisira Mari Yako Yevadzidzi
Mudzidzi wako chikwereti chikwereti chizoenderera mberi nekuzvidzivirira kwemwedzi mitanhatu mushure mokunge wapedza kudzidza. Zvisinei, iwe unoda kutevera pane izvi nokuti dzimwe nguva dzimwe nhoroondo dzichapfuura nepakakoromoka. Iwe unogona kusarudza kubhadhara chikwereti panguva ino kuitira kuti irege kuramba ichiwedzera. Iva nechokwadi chekuchengetedza ruzivo rwako rwekutsvaga ruchivandudzwa nemudzidzi wako wechikwereti.
Kana wangoisa basa rako rokutanga, iwe unofanirwa kugadzirisa chikwereti chako chemunhu chikwereti chakakosha . Iwe unogona kunge uchifunga kubatanidza chikwereti chako chemudzidzi kana iwe ukawana kuti kubhadhara kwakanyanya kuti iwe ugone kutarisira pakutanga. Unogonawo kuona kana iwe uchikwanisa kuwana mari yekubhadhara mari. Kunyange zvazvo izvi zvingasarudzwa zvingabatsira apo iwe kutanga uchitanga, zvinokosha kuti uite kubhadhara chikwereti icho chinokosha.
Iwe unogona kushandisa mabhonasi uye mitero inodzoka kuti ikurumidze nzira yekubhadhara chikwereti chako chemudzidzi. Iwe unogonawo kuramba uri pane usina-mapfupa majeredhi kusvikira iwe usina chikwereti. Zviri nyore kutanga kutanga nebhajhini yakaoma kupfuura kuedza kuderedza mari yakazotevera apo uri kuedza kutora mari yako.
Gadzirirai zvisingatarisirwi
Upenyu hwakazara nezvinoshamisa. Inogona kunge iri mukana wekufamba rwendo rwekurota kana zvichida kuti motokari yako inoparara zvisingatarisirwi. Inobatsira kuva nemari yakagadzirirwa kuvhara mari dzisingatarisirwi kuitira kuti iwe ugone kubata nadzo pasina kunyunyuta kana kuenda. Paunotanga kushanda, iwe unofanirwa kuisa mari yekukurumidza ye $ 1,000. Imwe nzira ndeyekuchengetedza mwedzi mumwechete wezvokushandisa. Mari iyi inogona kukubatsira kuti uvhakidze zvinhu zvose kugadzirisa kugadzirisa kune zvisingatarisirwi mabhizimisi emari.
Kana uchinge usiri chikwereti, iwe unofanirwa kushanda pakuvaka gadziriro inoshamisika iyo ichavhara pakati pemwedzi mitanhatu kusvika kune rimwe gore remari. Nhamba yaunosarudza ichaenderana nebasa rako rakachengeteka. Kana munda wako wakakanganiswa makore ose mashomanana, zviri nani kuronga gore rekushandisa.
Mukuwedzera, iwe ungada kufungidzira kugadzirira zvimwe zvikwereti nekuisa mari inonyura .
Izvi zvichafukidza zvinhu zvakadai sekugadzirisa motokari, kutenga motokari itsva nemari kana kubhadhara kuri kumba. Kana iwe uine imba yako pachako, unogona kuisa mari kunze kwekugadzirisa musha kana kuti kugadzirisa chirongwa. Iwe unogonawo kushandisa izvi kuchengetedza mazororo ako.
Endai Dharo Dzenyu
Paunotanga kudzidza, une mikana yakawanda yakawanikwa kwauri. Iwewo unokwanisa kukwanisa kutevera zviroto izvozvo. Gara pasi uye uite urongwa hwemakore mashanu huchavhara kwaunoda kuva iwe uye zvaunoda kuti upedze mumakore mashanu anotevera. Izvi zvinogona kusanganisira zvinhu zvose kubva pamabasa ako kusvika kune zvaunoda iwe uye zvaunoda kuita. Zvino ita kuti zviitike. Usaita zvikonzero, funga zvaunoda kuita uye enda.
Makore enyu mashanu ekutanga emabasa enyu anokosha mukukutungamirira iwe nenzira yakarurama. Iva nechokwadi chokuti haugoni kuita basa risina simba rokukura. Kana mumusika uchinetseka kupinda mukati kana pasina mabasa mazhinji, unogona kufunga kufunga mamwe makirasi uye kuwedzera zvidzidzo zvako. Usatya kutsvaga basa idzva rinopa huwandu hwekuwedzera, kunyanya kana basa rako rokutanga harisi izvo zvaunoda kuti rive.
Master Budgeting
Pakupedzisira, chinhu chinonyanya kukosha chaunogona kuita ndechekuziva bhajeti. Hazvinei kuti unoita zvakadini kana iwe usina chirongwa chakasimba pane zvaunoda kuita nemari iyo. Iwe unogona nguva dzose kupedza zvinopfuura zvaunoita. Mari yako inogona kuva chinhu chikuru chekubatsira iwe kusvika pazvinangwa zvako uye kurarama hupenyu hwakanaka, asi iwe unofanirwa kunge uchitonga. Inogona kuva pfungwa yakanaka yekuramba uchirarama sevadzidzi vekukoreji kwemakore mashomanana .
Gore rino iwe unofanirwa kuwana bhajeti yehurongwa iyo inoshanda kwauri kana iri nyore seyo kushandisa svondofomu kana kuwana sarudzo yakakwana yemari yako. Kana ukasarudza nguva uye sei iwe unoshandisa mari yako iwe uri kutonga uye iwe unogona kuisa mberi mari yako kuenzanisa zvinangwa zvako. Mari yako inogona kukubatsira kuti urege kubhadhara chikwereti uye kugadzirira iwe kumatanho anotevera sekutenga imba kana kutanga mhuri. Kana iwe ukwanisa kutanga bhajeti pakarepo paunopedza kudzidza, uchakwanisa kuita zvakawanda zvakanyanya mune zvemari muupenyu hwako hwose.