Iwe uri kuwana mari yekupinda muzinga apo uchiedza kubhadhara chikwereti chekoroji. Iwe unogona kunge uri kugara nevaunogara navo, uchidya pasta uye mabheji nokuti hazvina mari. Iwe haugoni kufungidzira kuva neimba kana kutyaira chero motokari iyo isiri ye $ 2,000 beater.
Asi pasinei nekuonekwa kwako kushaya mari, usatora simba remakore gumi. Makumi ako makumi maviri ndeye nguva yakakodzera yekuzvigadzirira kuti uwane ramangwana rezvemari.
Iyi ndiyo apo iwe unovaka nheyo dzaunomira pamakore makumi matatu, makumi mana, makumi mashanu nemakumi matatu.
Iwe ungaita sei nezvekutarisira mari yako nekugadzirisa tsika dzakanaka dzemari mumakore ako makumi maviri? Heano mazano mashanu unogona kutanga nanhasi.
1. Rarama Somudzidzi Kwemakore Akareba Kudarika
Iwe uri muzera rakasiyana-siyana iyo inogamuchirwa nevanhu kuti varambe vachirarama semudzidzi akaputsika. Ita iwe unyanzvi uye uchengetedze kupesana kwehupenyu hwevadzidzi kunyange mushure mokunge uwana basa rako rokutanga uye kukurudzira kuduku.
Ramba uchigara nevagara naye kwenguva yakareba sezvaunogona. Ramba uchibika kudya kwemanheru kumba panzvimbo pokudyira paresitorendi. Ramba uchipfeka zvipfeko kubva kune mabhizimisi akawanda kana kuti mabhizinesi. Tevedzera zviito zvawakatora iwe pawanga uri mudzidzi usina mari yekubhadhara yakakwana.
2. Kuwana Mari Yakawedzerwa
Hustle panguva yako yekusarura. Pawanga uri mudzidzi, zvichida wakaenzana kuenda kuchikoro nekushanda basa remaawa masikati nenguva dzevhiki.
Mune mamwe mazwi, iwe unonyoresa basa renguva yakazara uri mudzidzi ane imwe nguva yenguva-yenguva basa.
Iye zvino zvauri kubasa, hapana chikonzero iwe haugoni kuramba uchiita nawo. Ita basa rako renguva yakazara nebasa rekuwedzera rimwe remaawa , kunyange kana iri maawa mashanu kusvika ku10 pavhiki. Izvi zvinogona kukubatsira iwe kufambira mberi kwakakura kune zvinangwa zvako zvemari.
3. Ongorora Basa Rako
Vane makore makumi maviri nemakumi maviri ekutanga ndeyekutarisira mberi mberi kwebasa rako. Ipa 110 muzana wega iwe paunenge uri kubasa uye fungisisa nezvemabasa anofambira.
Shanda pamakambani apo une mukana wakanaka wekusimudzira makera. Tsvaga kusangana nevanhu vakarurama vanogona kuumba musimba wakasimba wemikana yenyu.
Zvakanakawo kutora mubhadharo shoma kana zvichireva kuva pachinzvimbo chinowedzera nzvimbo yekukura.
4. Tanga Account Retirement
Vhura nhamba 401 (k) kana yeIRA uye igovera zvishoma ne15 muzana yebhadharo rose mairi. Nhoroondo yako yekubvisa mari inofanira kuonekwa sechidimbu panzvimbo pekushaiwa. Iwe unofanirwa kutora izvi zvakanyanyisa sezvaunotora chero chimwe chikwereti chakadai sebhadha kana zvishandiso. Iwe pachako iwe pachako uchakuonga.
5. Kutanga Kubhadhara Chikwereti
Nokurarama semunhu akaputsa mudzidzi uye uchiwana zvimwe kune rumwe rutivi, une mukana wekubhadhara chikwereti chako chekoroji kana zvimwe zvikwereti .
Iva sechisimba sezvinobvira usingakuvadzi kambani yako yekubvisa. Iwe unogona kunge uchitora nzira yekugadzirisa muyero pakati pekubhadhara chikwereti, kuchengetedza, uye kubhadhara-asi usakanganise chero ipi yezvizvi zvitatu. Izvo zvakakosha pakuvaka nheyo yako yezvemari.