Wati wamboedza "nguva" mumusika wekutengesera here? Wakatenga imba iwe usati wanyatsogadzirira, nokuti pamba-uhu huwandu hutsva? Iwe unoramba uchienzanisa pakadhi yako yekwereti kuti uvandudze chikwereti chako chikwereti here?
Izvi zvose mari yakawanda inofamba, uye kana iwe ukagadzira mumwe wavo, ungave wakafunga kuti uri kutevera kuedza-uye-kwechokwadi mari yehupfumi huchenjeri. Asi sezvinongoita huchenjeri hwakawanda, havasi ivo vakangwara sezvavanoita.
Pano pane mari isina kugunun'una inokurudzira iwe unoda kubvisa kubva pane yako arsenal, zvisinei kuti ingangonaka yakaita sei.
Dumb Move: Kusina kadhi rechikwereti, nokuti richaita kuti uwane chikwereti.
Yange yava makore anenge masere kubvira Kubva Kudzoka, uye kupfuura zvikamu zviviri kubva muzvitatu zvevanhu vari pakati pemakore 18 ne29 havana makadhi emakadhi, maererano neongororo yeBhangerate. "Zvinoratidzika kuchenjera, nokuti hausi pangozi yekwereti, asi haisi yakachenjera, nokuti hausi kuvaka chikwereti chako," anodaro Sarah Newcomb, munyori we "Loaded: Mari, Psychology, uye Maitiro Akutarisana Nayo Pasina Kusiya Zvishuvo zvako. "Vakawanda vezviuru zvemakore - pamwe chete nevanhu vari mune mamwe madzinza avo vasina makadhi echikwereti mumazita avo pachavo - vane izvo zvinonzi" zviduku zvidhinha mafaira. "Iko-indasitiri-inyanzvi inotaura kuti haina zvishoma chikwereti nhoroondo , uye inogona kukudzivirira apo iwe unoda kuisa chikwereti chemari kana chikwereti chemotokari. Inogonawo kureva kubhadhara zvinopfuura zvakakodzera kune vimba vemari uye auto inshuwarisi.
Smart kufamba: Kana iwe uchifunga kuti iwe unofanirwa kusava nehanya neyokutanga pepurasitiki, bvunza bhadhi rinobudisa kuti kuchengetedza chikwereti chikwereti chakashata. Zvadaro, isa imwe kana maviri zvikwereti zvinotsvaga padhigiramu uye shandisa purogiramu inotsvaga kubva kubheji rako rekuongorora kuti uvhare. Iwe hauzombofi wakanonoka, uye chikwereti chako chichavandudza.
Uye kana iwe wakashandurwa kubhadhi? Kadhi yakachengeteka - kwaunoshandisa mari shoma nebhadhi rinobudisa - ndiyo kadhi ine mavhiri ekudzidzira anogona kukuisa mumugwagwa unoenda kune chitupa chakasimba chekwereti.
Dumb Move: Kuchengetedza chikamu pane kadhi rechikwereti kuti uwane chikwereti.
Chimwe chezvinhu zvakakura kupa chikwereti chako chikwereti chikwereti chekushandisa. Kushandisa kwako iwandu yekwereti yako chikwereti chauri kunyatsoshandisa, uye inoda kusvika makumi matatu kubva muzana yemakero ako. Kana iwe uine chikamu che $ 1 000 uye yako chikwereti $ 550, uri kushandisa 55 muzana. Izvo zvakanyanya - zvakakosha kuti uwane chikamu kana iwe usingashandisi zvinopfuura 30 muzana zvekwereti yako yechikwereti panguva ipi zvayo. Uye kutakura chikwereti kubva pamwedzi kusvika pamwedzi uye kubhadhara chikwereti hakubatsiri chikoro chako zvachose, asi kunokuvadza chikwereti chako: Avhareji yekadhi yekwereti inharaunda inoda kusvika 15 muzana. Pa $ 3,000 muyero, izvo zvinodhura iwe $ 450 pagore.
Smart kufamba: Zvakanaka iwe uchabhadhara makadhi ako ekwereti zvakakwana mwedzi woga woga, uchikudzivirira chero chikwereti chekuda. Uye kana kushandiswa kwako kunowanzoita kuti uwedzere muganhu wako, iwe unogona kugadzirisa dambudziko nenzira mbiri: Unogona kukumbira kuwedzera mune chikwereti chako chekwereti uye usingashandisi simba rekuwedzera, kana iwe unogona kuripa bhiri yako kupfuura kamwe chete pamwedzi .
Dumb Move: Kubhadhara chikwereti chemudzidzi pavanenge vachiita mari yekubvisa mari
Iwe une chikwereti chemudzidzi uye iwe unoda kuvabhadhara nokukurumidza sezvinobvira, saka chero mari yakawedzerwa yaunayo pamagumo emwedzi unoenda kunobhadhara pamusoro nepamusoro pezvikwereti zvako zvemwedzi uye uchibvisa pane mukuru. Kukurumidza kwako kunonzwisisika; Dai upenyu hwakanga husingave huri nani kana vachangobva kuenda here? Asi kubhadhara mari yechikwereti yevadzidzi haisi kuchenjera kwekufamba kana kuri kuuya kune mari yekuita mari yako yenguva refu, sekupa mari kune yako 401 (k) (kunyanya kana iwe uchigamuchira mubhadhari achienzanisa nemari) kana kubhadhara pasi yakakwirira kadhi rechikwereti chikwereti, inonzi Newcomb .
Smart kufamba: Bhadhara chikwereti chemudzidzi wako zvishoma nezvishoma uye zvishoma nezvishoma paunenge uchivaka ramangwana rako uye uchishandisa mikana yematengesi. Zvinogona kunge zviri nani kuti usarudze zvirongwa zvekubhadhara mari inowanikwa mari (iyo inowedzera kudhura kwako pamwedzi), kunyange zvazvo kubhadhara chikwereti kwemakore akawanda zvinoreva kubhadhara huwandu hwekuda muhuwandu.
Tarisa kudiwa kwekwereti yako yechikwereti yevadzidzi, kubvisa mutero wakabviswa, uye uenzanise izvozvo kudzoka kwaunowana nekuisa mari yako kushanda mune dzimwe nzira.
Kushamwaridzana kwekunyengera: Kuwana basa racho pakutanga, uye kusimudza zvakare.
Wakataurirana nezvemari yako yebasa rako remazuva ano here? Kana zvisina kudaro, iwe hausi woga. Vamwe 41 muzana yevanhu havana kuita, maererano neSarary.com. Vakawanda vanovhunduka kuti kutamba pamusoro pemari yekutanga kuchavabvisa kunze kwekumhanya kwebasa zvachose. Asi kwete kutaurirana kuitira kukwikwidzana kwemari mukutanga kwebasa idzva kunotanga kubva pane zvakaipa zvisina kufanira nezvemari, nokuti mabhonasi ose uye anokusimudzira iwe kuti uende mberi zvichida ave muzana kubva pane iyo yekutanga.
Smart kufamba: Usatora wokutanga. Iwe unonyanya kukosha pavanokuda iwe, asi hauna iwe zvakare-uye zvakakosha kuziva nekushandisa nguva iyoyo. "Vanhu vanofunga kuti unofanira kubvunza kuti chii chinogamuchirwa, asi iwe unofanira kuzvibvunza kuti:" Chii chandinofanira kuwana kuti ndirege kunetseka nezvemari? Ndiyo nguva yako yakakodzera, "anodaro Newcomb. Uyewo unzwisise kuti kutarisira kune rumwe rutivi rwetafura ndeyekuti iwe uchakumbira zvimwe. Chidzidzo kubva kuCarerBuilder chinoratidza 45 muzana yevashandi vanoda kutaurirana nezvekutanga kwebasa rako, uye zvechokwadi vanotarisira kuti iwe uite saizvozvo. Iwe uri kungozvirega iwe pachako kana iwe usingaiti.
Kutamba kusina maturo: Kutenga musha nekuti "inotengeswa."
Mutungamiri wezvemari Mari Carl Richards, munyori we "The Behavior Gap," anoyeuka nguva dzinotaurwa navanhu kwaari kumisha yavo: "Ndiyo mari yakanakisisa yandinoti ndaiita!" Mhinduro yake: "Ndizvo here nokuti ndiyo chete inoshandiswa iwe ' Wagara wakabata pane? '"Ane chikonzero. Ikoko kwaiva nekutenda kwenguva refu kuti pfuma inokosha haisati yadzika ... Zvino kwakauya 2008 uye misika yemakambani. Muzvokwadi, dzimba dzemunharaunda dzakamboitika kare dzinofambidzana nehutsika. Uye zvinodhaka zvehuwandu - kusataura nezvekufamba, kugovera, mitero, inshuwarisi uye kuchengetedza kunotangira 1 kusvika 2 muzana yehutengo hweimba pamwaka, maererano neHarvard's Joint Center for Housing Studies - yakakwirira.
Smart kufamba: Tenga imwe yaunoda kugara - kana kuti ramba uchikwereta ikozvino. Iko mari yekuchenesa yemari inoreva kuti hazvina musoro kuti utenge kamwe kana iwe usingatarisiri kugara kweanenge makore mashanu.
Kana iwe ukagara kwenguva yakareba, kuenzana kwaunovaka kuburikidza nekubhadhara pasi (kana kurega) chikwereti chako chinowedzera kubhadhara compte iyo iwe unogona kushandisa kumushandirapamwe. Asi iwe haufaniri kutotenga kutenga imba yausingakwanisi kutenga chete nokuti iwe unofunga kuti pfuma yepamusoro inokonzerwa nep. Kana iwe uchidaro, iwe hausi kutenga kana kuisa mari - uri kufungidzira. Uye kunze kwekuti iwe uri unyanzvi wemari wezvokutengeserana, iyo inhano yakaipa.
Dumb Move: Kuedza nguva nguva yemusika.
Nguva yekutengesa inosvika pakuziva zvinhu zviviri: Nguva yekubuda, uye nguva yekudzoka nayo. Yokutanga inonyanya kuoma kusungirirwa, uye yechipiri inotonyanya kuoma. Apo isu tose tanzwa nyaya dzevashandi vemazuva ose vakapinda munguva yakakodzera, Richards haana chokwadi. "Usatenda nyaya," anodaro. "Tenda iyo data." Uye data inoti haugone kukunda pamuti uyu.
Smart Fix: Tenga zvishoma, uye kwemakore. Richards anoti kubvarura peji kubva kuWarren Buffett's playbook : "Chinhu chakanakisisa chaungaita ndechokuve usimbe - uye isu tinofanira kufemberera ichocho." Uye iwe uri pairi, usaedza zvakaoma kukurova mumusika. Kunyange zvazvo humwe hutengo uye mari yakabatanidzwa pamwe chete inofadza, inogara ichishandisa mari yekutsvaga mari uye mari yekutengeserana mari (iyo inotengeswa kutenga neyoyo) iyo inowanzoita kuti iwe uve mamiriyoni akawanda munguva refu. Kana iwe uri simbe zvakakwana, ndizvo.
Ndiina Kelly Hultgren