Kurwisana Kubhadhara Chikwereti Chako? Tora Maitiro Aya Anobatsira.
Vanhu vakawanda vachakuudza kuti kuitira kuti iwe ubhadhara chikwereti, iwe unofanirwa kuita kuti iwe uite pfungwa yako.
"Kanda mari yako yose yakawedzera kune chikwereti chako," vachati. "Iwe uchafanira kuzvipira panguva ino, asi zvingava zvakakosha."
Edza kuudza mumwe munhu (zvichida iwe) ane zvikwereti zvitanhatu zvechikwereti muzita ravo - kunze kwekubhadhara mari yavo.
Ndiyo rwendo rurefu. Ndezvokwadi here kufunga kuti munhu wose anokwanisa kusiya zviri nyore zvinhu "zvisingadikanwi" muupenyu hwavo kwemakore mashanu kusvika kune gumi apo vachibhadhara chikwereti ichocho?
Zvakaipa, ndezvechokwadi kufunga kuti ivo vanofanira kunge vachiisa zvirongwa zvehupenyu hwavo kwenguva refu?
Zvichida kwete.
Vamwe vanhu vanogona kukwira kumutsara wekukwereta kwekukwereta, asi vanhu vazhinji vanobatsirwa nekutora nzira iri nyore. Ndizvo zvatichafukidza apa, nokuti kubhadhara chikwereti haufaniri kunzwa semhosva yejeri.
Pano pane kubudirira kwemitemo iwe unogona kukura kuti ubhadhara chikwereti chako usingatori zvibayiro zvekupenga.
01 Bhijititi yeDhebha Zvokubhadharwa
Nhamba imwe iyo inokanganisa vanhu vazhinji vanoita apo kuedza kubhadhara chikwereti chavo hakusi bhajeti yemari yekubhadhara pamwedzi. Iko musimboti, asi haisi kunyanya mubvumo imwechete seyese yekushandiswa kwemari yako, saka iwe haubatanidzi saizvozvo.
Unofanira! Inokwana mwedzi woga woga uye unotarisana nemigumisiro yakaipa yekurega kuripa panguva. Uye kana iwe uchida kubhadharira zvimwe kune chikwereti chako, zvinobatsira kuva nemari iyo yakabhadharwa mubhajheji yako.
Nzira iyo inotanga kutangira ndeyokushandisa nzira yekubhadharira mari yezero, nokuti izvi zvinoita kuti iwe upe mari imwe chete yaunowana "basa." Saka kana iwe ukaita $ 3,000 pamwedzi, unofanirwa kuziva kuti chii chiri kuenda.
Tarisa pane bhajeti yako yezvino uye ona kana iwe wakanga uine mari yakasara kumagumo emwedzi. Kana iwe usingaiti, iwe unogona kudzoka zvakare kubasa bhajeti yako (kana kushandisa nzira iri nyore apo iwe unobhadhara iwe pakutanga), uye kana ukadaro, iwe unofanira kufungidzira zvawave uchiita nazvo.
Kusanganisira chikwereti chako mubhadharo yako zvinoreva kuti haufaniri kuita zvemashiripiti nemwedzi mumwe nomumwe, uye nechivimbo ichocho, iwe unogona kubatsirwa nokunyora mukubhadhara mari kuitira kuti usafanirwa kunetseka nezvekushayikwa.
02 Funga nezvazvo seMarathon, Kwete seSprint
Kusvitsa chikwereti chako ne mindr sprint ndeimwe yenzira dzinonyanya kukonzera chikwereti kuneta. Kunyange zvazvo chikwereti chinogona kuenzanisirwa se "dambudziko," kunyanya kana rine chidimbu chechipiri chekufarira, kazhinji, zviri nani kutora zvishoma kuderera kusvika kune chikwereti.
Chokutanga, kuenda kunze kwechikwereti chako kunogona kudhonza-mupfungwa uye mumuviri (izvo zvatichataura pamusoro pezasi). Kana iwe uine chikwereti chikuru chemari yekubhadhara, iyo nguva inogona kunge isingagadziri iwe.
Chechipiri, vamwe vanhu vanosarudza kutora nguva yavo vachibhadhara chikwereti chavo chechikwereti nokuti vanotenda kuti vanogona kudzoka zviri nani kune imwe nzvimbo. Kunyange zvazvo izvo zvingava zvechokwadi, kana uri kushandisa nharo iyi, iva nechokwadi chokuti uri kuita chimwe chinhu nemari yako. Hazvizovi nani kudzoka zviri nani kugara mubhangi nokuti kudzoka kwako paunenge uchibhadhara chikwereti ndicho chido chako chekuda.
Pakupedzisira, hupenyu hunofanirwa kuti ufare. Vanhu vazhinji vanozvidemba kuti vari mune chikwereti - havadi kuisa pfungwa pazviri nokuti zvinovashungurudza. Nokuita kuti iwe uise pfungwa yako chete, unogona kuwira muitiro wokurega chikwereti chako chikupedza iwe.
"Ndine urombo, handikwanisi kuenda nokuti mari yangu yese yakasungirirwa mune chikwereti."
"Ndinoshuva chaizvo kuti ndinogona kuenda rwendo irworwo, asi ndiri mune chikwereti."
"Zvakanaka, ndangowana $ 50! Omirira, izvo zvinofanira kunge zvichienda kune chikwereti changu ... "
Kana iwe uchitevera nzira yose-kana-isina-iwe, unogona kuona nekukurumidza kuti hupenyu hwako hunotanga kurongedza chikwereti chako. Usaita kuti zviitike zvisarudzo kwauri. Iwe unogona kuita zvinhu pasinei nekwereti yako, chero bedzi iwe uchifamba pamusoro payo nenzira ine mari-yakagadzikana-kureva kuva nevega yega yekushambadzira mari yekuchengetedza, kuchengetedza rwendo, kana kuva nemari inofadza.
Pakati pemitsetse imwe chete, usaita chisarudzo chekutsamwisa sezvinoita kuparadza 401 (k) kubhadhara chikwereti chako .
03 Usaisa Utano Hwako muJeopardy
Mamwe mazano anowanzodiwa ekubhadhara chikwereti anosanganisira kuwana mari yakawanda . Kana iwe usingakwanisi kubhadharira zvakakwana ikozvino , tora rutivi rwunobatsira, shandisa maawa akawanda, kana kuti uwane basa remuwaka.
Kunyange zvazvo zano iri rakakosha uye richibatsira mune dzimwe nguva, unomhanya dambudziko re - zvakare-kurega chikwereti kutora.
Fungidzira kuti iwe unonyanya kufunga nezvekuva chikwereti pasina iwe unobayira awa imwe neimwe kunze kwebasa rako rega rega kuti uwane mari yakawanda. Iwe unogadzira rumwe rutivi, unoshanda maawa makumi matanhatu emaawa, uye iwe unogona kukanganisa chikwereti chako zvine utsinye.
Nguva dzose kana mukana wokuita mari uchiuya, iwe unoti "hongu!" Usina kufunga kaviri.
Kusvikira watanga kunzwa unomhanya. Sezvo iwe uri kunze kwemafuta. Uye sewe iwe haugone kurangarira kuti chii chakaita kuva noupenyu.
Uyu muenzaniso wakanyanya, asi izvozvo hazvirevi kuti haisi chokwadi kune vamwe vanhu. Kuve workaholic kunowanzova tsika. Iwe haugone kurega kwete kune mari yakawanda, uye iwe hauzive kuti ungamira sei.
Zvakaipisisa zvakadaro, kuchena kwako kuri kutambura, uye hutano hwebasa rako pane zvose zvezuva rako basa uye rutivi rwunoita huri kutambura. Iwe hausati wamuwana achiita joggling zvose zvinonakidza. Rutivi rwako rwunozorora rwakava basa rakaoma; nzira yekuguma kwechikwereti.
Usarega izvi zvichiitika kwauri. Kana ukasarudza kushanda zvakanyanya nokuti iwe unoda kuwana zvakawanda kubhadhara chikwereti chako nekukurumidza, pinda mairi nemiganhu. Usarega vatengi (vanogona kana kuti zvimwe) varaira purogiramu yako.
Kunyanya kune zvose, usambofa wakananga kuhutano hwako . Zvokurapa zvinogona kunge zvisingashamisi kubata nazvo, uye zvinogona kuva chinhu chokupedzisira chaunoda iwe uchivigwa pasi pechikwereti, asi haufaniri kumbodarika kusarudzwa kwachiremba nokuti haudi kubhadhara kushanyira. Zvimwe zvirwere zvehutano zvausina hanya zvino zvinogona kudzoka zvakanyanya gare gare.
Saka edza tsika yekuisa hutano hwako hukuru - zvose hutano hwako nehutano. Hapana chimwe chinhu chinokosha mukurarama hupenyu hunogutsa. Hazvina kukodzera kushanda iwe pachako kuti ufe chete kuti urege kuva nemhosva uye usingakwanisi kuifarira.
04 Dzidza Kubva kune vamwe
Kana iwe ukawana uri kutasikirwa nekufemerwa , kana kuti unoda maonero akasiyana pane chikwereti, verenga nyaya kubva kune vamwe vari kutarisana nechimwe chinhu chakafanana.
Kazhinji, kuva mune chikwereti kunonzwa kusurukirwa. Iwe unganzwa sokuti iwe wakaita chimwe chinhu chakashata, sezvaunofanirwa kuve wakashungurudzika uye uchizununguka mukuzvidzora. Asi kuverenga nyaya dzevamwe vanhu kunogona kubatsirazve kugadzirisa nyaya yacho.
Chokwadi ndechokuti hausi wega, uye kuwana rubatsiro runobatsira, rubatsiro runogona kuita kuti musiyano muhukwereti wako hufambire, kunyanya apo unonzwa sokuti iwe haugoni kuudza ani zvake unoziva "muupenyu chaihwo."
Unganidza nevanhu vane pfungwa dzakadaro kuitira kuti iwe unogona kukonzera pfungwa kubva kwavari, vimbise mavari, uye zvichida kuwana mukana wekuzvidavirira naye. Kuzvikomberedza nevanhu vanoziva chaizvo zvauri kutarisana kunogona kuita kuti unzwe zviri nani pamusoro pemamiriro ako.
Ita kuti uve muitiro wekutaura kune vamwe uye uone maonero akasiyana nezvekukwereta kwechikwereti kuitira kuti rwendo rurege kuwana stale.
05 Yeuka Yako "Sei"
Hapana munhu anoda chaizvo kuva mune chikwereti. Ingongova chokwadi chehupenyu kuvanhu vakawanda. Asi iwe wakasiyana. Iwe unoda kuva chikwereti pasina uye kurarama hupenyu maererano nemitemo yako.
Sei iwe wakasiyana? Chii chinoita kuti iwe ude kuzadzisa chinangwa ichi apo vanhu vazhinji vanobvuma zvisizvo kuti kuva mune chikwereti kunowanzoitika?
Funga kuti nei wakatanga rwendo urwu kune chikwereti rusununguko, uye nyora pasi. Zvidzokorora pose paunenge uine zuva rakaoma. Zvimwe unonzwa sokuti iwe hauzombofi wakabuda mune chikwereti, sezvauri kuita izvi pasina. Zvichida iwe unonzwa sechitsvaga pane chimwe chinhu nokuti wakaneta nekubhadhara vane chikwereti.
Tsvaga "nei" zvakare - chikonzero chako chikuru chekuita izvi pakutanga. Iwe uchazowana hutsva hutsva kubva pakuverenga. Kuva ne "chikonzero" kune chinangwa chipi zvacho muhupenyu kunogona kukubatsira kukunda matambudziko mazhinji aunosangana nawo kuti uende ikoko.
06 Ramba Wakabatana, asi Ruregerere Paunoronga Kuparara
Chimwe chezvinhu zvakanakisisa zvaunogona kuita kuti kubudirire pakubhadhara chikwereti chako ndechokuita urongwa . Kana iwe usina nzira yekubhadhara chikwereti, iwe hausi kuzoita kufambira mberi kwakawanda sezvaungaita kana iwe waive nemugwagwa wekutevera.
Iwe unogona kusarudza kubhadhara chikwereti usingashandisi nzira yekudzivirira kana yechando (kana kubatanidza maviri ), asi zvipe iwe chigadziro kana zvinhu zvisingaendi sezvazvakarongwa.
Sei? Nokuti upenyu huchaitika. Mutemo waMurphy. Iwe ungave uine mari isingatarisirwi yaunofanira kutarisana nemwedzi umwe unoita kuti uite chete kubhadhara kuripo kwechikwereti chako. Zvakanaka. Kuva nechirongwa kunokosha , asi haufaniri kuitevera kune T 365 mazuva egore.
07 Establish an Emergency Fund
Ichi ndicho chikonzero nei kuva nechikwata chekukurumidza kuchiuya zvakanaka.
Imwe - kuva nemari yakawedzerwa yakasarudzwa zvinoreva kuti une mikana yakawanda yokupedza mune chikwereti chakawanda kupfuura iwe watanga. Funga nezvazvo - zvakadini kana motokari yako yapera, kana iwe waifanira kuenda kuchipatara, kana chipfuwo chako chinoda kurapwa?
Kunyange zvazvo zvizhinji zvezvikwereti izvi zvichifanirwa kutarisirwa , chokwadi ndechokuti, vanhu vazhinji havafungi pamusoro pavo kusvikira zvanyanyisa.
Iviri - iwe unopinda mune tsika yekuponesa , iyo inogona kutadza kushamisa kune avo vanotevera "kuisa mari yako kune chikwereti!" Mantra. Iwe haudi gigantic emergency fund, asi kuisa parutivi (uye kubhadharira) kuchengetedza kunogona kukubatsira iwe kuva chikwereti pasina nemakumbo maduku mumugwagwa, uye zvinokubatsira iwe kuramba uine chikwereti pasina.