Mhuri dzinopfuura mamiriyoni gumi nemaviri ekuAmerica mune mabheji ane mari yakaderera vari kurarama mubhadhakiti kubhadhara, maererano nehupfumi hweNCN. Asi zvimwe zvingava zvinoshamisa ndezvokuti kupfuura mamiriyoni makumi maviri nemashanu ari pakati pemhuri dziri kuita zvakafanana.
Kana iwe uri mumwe wemhuri idzi, heyi nzira mbiri dzaungatanga kutyora.
Nhanho yekutanga yekuwedzera mari yako ndeyokuona kuti kuri kuuya nekubuda mumwedzi wega wega.
Tarisa kumashure pamakore matatu apfuura ebhengi rebhangi, kadhi rechikwereti uye debit card zvinyorwa kana mapeji ako ekuregesa cheki. Nyora kuti iwe uri kushandisa sei mwedzi wega wega kumativi ose (kubhadhara / kubhadhara, zvekudya, zvishandiso, nezvimwewo). Izvi zvichakupa nheyo yepamusoro pakunzwisisa uko mari yako yave ichienda munguva yakapfuura.
2. Ita Budget
Nhanho inotevera ndeyekusarudza kwaunoda kuti mari yako iende mune ramangwana. Izvi zvinosanganisira kutora kwenguva yakareba, kutarisa zvakanyanya kuti waive uchishandisa mari yakawanda sei muchizvibvunza iwe kana pane nzvimbo dzaunogona kuderedza.
Kana iwe unogona kuderedza chikamu chimwe nechimwe, mari yakawanda yawakasara pamagumo emwedzi, saka ude bhajeti inofanirwa asi yakarangwa. Kana iwe uchikwanise kurarama kuti urarame zvino, zvinogona kukubatsira iwe kuvaka dambudziko rako rezvemari uye unofarira kuchengeteka mune ramangwana.
Kana mari yakaoma, mari inoshamisa isingatarisirwi inogona kuva yakaipa.
Saka iva nechokwadi chokuti bhajeti yako itsva ine mutsara mukati mawo kuitira kuchengetedza. Iwe unofanirwa kuva nemwedzi 3-6 yemari yakachengetwa nekuda kwekukurumidza, asi kutanga, inangwa yekuchengetedza $ 1 000.
Mutero wevatengi ihupfukuro mune rusununguko rwemari. Dhora roga roga raunotakura mune chikwereti, iwe unopedzisira uchibhadhara kakawanda pamusoro pechido, saka kubhadhara chikwereti chipi zvacho chiripo chinofanira kuva chimwe chezvinhu zvako zvakakosha.
5. Ita Kuti Mari Yako Iwedzere
Kusvikira wawana mari yekukurumidzira mubhangi uye chikwereti chako chabhadhara pasi, unogona kutora matanho ekuwedzera kuti uwane mamwe mari. Izvi zvinogona kureva kwekanguva kutora basa rechipiri, kutanga bhizinesi rega kubva kumba kwako kana kushanda maawa akawanda pane basa rako remazuva ano. Hazvizove zviri nyore, asi yeuka kuti chinangwa chekupedzisira ndechekuzvisunungura kubva pamari yekubhadhara-kusvika-paycheck. Pakupedzisira, rusununguko urwu ruchave rwusingakoshi.