Chidzidzo chechikoro chechikoro chechikoro chesekondari kana vadzidzi vekukoloni vanodzidza zvakawanda pamusoro pekirasi yekushambadzira kwemari. Mamwe mhuri inotarisa pamashandisirwo emari ekuchengetedza mari sechikamu chemabasa evana vavo nekubatanidzwa kwemhuri, asi vazhinji vanongokurukura chete pamusoro pekukosha kwebhajheji, kuronga, kuchengetedza nekuisa mari. Vechidiki vakawanda, vanotarisana nehuwandu hwenyika uye dzidzo yezvemari vanoona kuti kutarisira mari yavo kunogona kuva kwakaoma. Mapurogiramu uye zvishandiso zvepaIndaneti zvinogona kuva nzvimbo yekutanga vanhu vechidiki vanoenda kunotanga nekunzwisisa zvidzidzo zvakasiyana-siyana kuti vazive kuti vawane mari uye vanobudirira.
01 Mari Pasi 30
Kukurukurirana kwemaScott panyaya dzezvemari dzemhando dzose, Mari pasi pe30 ndiyo webhusaiti yepamusoro kune vechidiki. Nekutarisa pane nyaya dzakakosha kwauri, Mari Pasi 30 inosiya ruzha rwezvimwe nyaya dzakanyanyisa zvingasave zvichifarira asi uye zvinopa zvinyorwa, zvidzidzo uye zvinorondedzerwa.
Iwe unoda rubatsiro nekunyorera mitero yako yemari here? Mari iri pasi pemakumi matatu ine chinyorwa kwauri.
Iwe une zviuru zvishomanana zvemadhora ekuisa mari uye hauzive kuti unotangira kupi? Mari iri pasi pe30 inogona kubatsira neizvozvo.
Mari iri pasi pemakumi matatu haingakusiyi uchinzwa uchikurukurwa pasi kana kuti iwe uri pamusoro pemusoro wako. Iyi nzvimbo yakanaka yekutanga tsvakurudzo yako uye dzidzo pamusoro pezvinokosha zvekugadzirisa zvemari, kutarisira mari nekuisa mari.
02 Gen Y Planning
Sekuve munhu wechidiki, kutsvaga mutariri wezvemari uyo anokunzwisisa iwe, mararamiro ako uye zvinangwa zvako uye zvirongwa zvingareva kurega kupfuura uyo amai nababa vanovimba nekunzwisisa kwavo mari. Foodie uye karaoke vanoda Sophia Bera, nheyo yeGen Y Planning, ndiye wechidiki wechidiki uyo anoda kupa mazano akanakisisa uye kutungamirirwa iye anokwanisa kune vezera rake. Kune mamwe millennial uye vechidiki vakuru vemazano emari, chengetai urongwa urwu.
03 Kutanga Kuronga Kurasikirwa
Mumakore makumi maviri, kubhadhara kunoratidzika semugove uri kure, kana chiri chinhu chaunofunga nezvazvo zvachose. Kuponesa, kubva pakubhadhara kokutanga, ndiyo nzira yakanakisisa yokutanga kuronga ramangwana rako-kunyange kana iwe usingazivi kuti vhiki inotevera ingauya nei. Kana kambani yako inopa chirongwa che 401K, svetuka payo pakarepo iwe unogona, kupa chikamu chakakabvumidzwa - kunyanya kana kambani yako ichibatanidza michero. Inogona kukubhadharira mabiko mashomanana kana mabhodhoro ewaini yakanaka mwedzi mumwe nomumwe, asi iwe uchafara zvikuru wakazviita munguva yemberi.
04 Wally: Track Inotenderera Sezvaunoenda
Kuenzanisira uko mari yako inofamba mwedzi wega wega, kunyanya kana uri kubhadharwa kune mari inobatanidza nebasa rako, zvinokosha pakuronga nekugadzirisa bhajeti. Zvakanaka kugadzira pepa rakapararira uye kusarudza chaunoda kushandisa, asi kuona zvaunoshandisa zvinogona kunge kumutswa uye zvinogona kukukurudzira kuti uwedzere kuziva zvaunoshaiwa mari (iyo lattes inowedzera). Wally iyi chirongwa chinoita kuti zvive nyore kuwana mufananidzo wekuti unoshandisa mari yako zuva rega rega. Iwe unogona kutora mapepa emari yako, log log cost, uye unowedzera zvakawanda naWally.
05 Unoda bhajeti
Kana ukangowana mufananidzo wekuti mari yako iripi, inguva yekutanga kuronga zvishoma nezvinyatso. Iwe Unoda Bhijitori ihurongwa huchaita kutanga nekuchengetedza bhajeti iri nyore, kana isiri nyore (pakutanga!). Unoda bhajeti inogona kubatsira ne:
- Kuronga mari
- Kuronga kugadzirisa
- Rongedza zvinangwa zvako
- Ona Zvabuda
06 Home Budget yemhuri
Vakuru vechidiki vanotanga hupenyu hwavo pamwe chete semhuri uye avo vane mhuri duku vane hanya nezvinhu zvakawanda nezvemari. Zuva rimwe nerimwe mari inoshandiswa nguva dzose ndeyekutanga, hongu - asi kuronga kwezveramangwana - kwete yavo, asi vana vavo-inowedzera imwe nharo kumatongerwo emari. Imba Yemajeri ibasa rinogona kugoverwa nevashandisi vakawanda kubvumira munhu wose anobatanidzwa kuti atore mukuronga, kuongorora nekugadzirisa mari yemhuri. Nezvimwe zvakawanda zvingasarudzwa pakugadzirisa purogiramu yako kune zvaunoda, Home Budget inzvimbo yakanaka yevaya vanofarira maoko-mune ruzivo uye vanoda kuve vakanyatsoshanda mukugadzirira kwavo.