Kana ukangobva kune chikwereti, ungangodaro unofunga kuti chii chinouya pashure. Saka vanhu vazhinji vanoshanda pakubuda mune chikwereti kuti kana zvikazoitika, vanonzwa vachingorasika. Zvakakosha kuva nepurogiramu yakasimba munzvimbo iyo iwe unoramba uchitora mari yako kuitira kuti usapedzisira uine chikwereti.Kana iwe usina zvirongwa zvakajeka Heino nhanhatu nzvimbo kuti uenderere mberi.
Kunze Kwechikwereti? Ramba Uchibhadhara
Iwe wakashanda nesimba uye uri kuedza kurega kunetseka nezvemari nguva dzose.
Zvinogona kufadza kumira bhajitimi zvakakwana nokuti iwe pakupedzisira wakazadzisa chinangwa chako. Iwe unogona kunge usingadi kuramba uchizvidya mwoyo nezvemari, asi kana ukarega kutarira kuti uri kushandisa sei mari yako iwe unogona kuguma kumashure mune chikwereti. Zvakakosha kuchengetedza bhajeti, iwe unogona kuvhara kuti iwe wakasimba zvakadini uye unowedzera kushandiswa mune mamwe makero, asi haufaniri kurega kubhadharira zvakakwana.
Kunze Kwechikwereti? Zvadaro Tanga Kuvaka Yako Emergency Fund
Iwe wakasvika pane imwe nguva apo iwe uri kugara uchiisa mari pamusana pokurega basa, uye iwe une mari yako yekukurumidza inenge mwedzi mitanhatu yemari panzvimbo yaunoda kusarudza kuti chinhano chako chinotevera chii. Mhinduro iyoyo yakakwana zvachose. Izvo zvinoenderana nechinangwa chako munguva yemberi uye zvirongwa. Kana iwe uchizviona iwe wakaroorwa mune ramangwana, iwe unogona kuvhara nekuda kweiyo yemuchato, chindori kana uchi. Kana chinangwa ichocho chiri kure, funga nezvekuedza kubhadhara imba yako kubva, kuitira kuti ugone kuenda kumusha kana kutanga kutora mari yakawanda.
Kunze Kwechikwereti? Zvadaro Wedzerai Mipiro Yenyu Yokurega
Vanhu vazhinji vachabvumira zvigaro zvavo zvekurega basa pavanenge vachishanda pakubuda mune chikwereti. Iye zvino unogona kushanda pakuvaka zvipo izvi kusvika kune gumi nemashanu kubva muzana yemari yako. Izvi zvinofanira kunge zviri nyore kuita, iwe unogona kuzviita nguva imwe neimwe paunowana kusimudzwa.
Kuwedzera pakuisa mari mu 401 (k) iwe unofanirwa kuzarura Roth IRA inokubvumira kutora kubhadhara mutero usingabhadhari kana warega.
Kunze Kwechikwereti? Zvadaro Rongedza Ramangwana Rako
Ronga remangwana rako. Tarisa pane danho rinotevera muupenyu hwako. Kana iwe usina kutenga imba ikozvino, chengetedza kwekubhadhara. Kana iwe uine vana, unoda kuisa mari padzidzo yavo. Kana iwe uchizviona uchinakidzwa nebasa rako remazuva kusvikira wapera basa, iwe ungasazofanira kudzidziswazve, asi kana uchida kuenda kune imwe yepamusoro mukambani yako kana kuedza munda mutsva mumakore mashomanana, ino ndiyo nguva yekuwana kuwedzera kwedzidzo yaunoda. Iwe haufaniri kuenda kuchikoro nguva yakazara yekuita izvozvo zviitike. Tora chikoro chimwe chete kana zviviri semester, uye ubhadhara chikoro sezvaunoenda. Iwe unogona kugamuchira chiziviso chinowedzera chaunoda uye unozvichengetedza mukukwikwidza mumashanduri ekushandura emabasa.
Kunze Kwechikwereti? Tanga Kuisa
Iwe unogona kuongorora kutsvaga dzimwe nzira dzekutsvaga mari. Dzidza zvakawanda pamusoro pemari pamwe chete uye mumusika wekutengesa uye tanga kuponesa kunze kwemakoro enyu ekurega. Imba ndiyo imwe nzira yakanaka, iyo inopa mari yakasimba yekuwana mari. Chinokosha chekubudirira nemhando iyi yekutsvaga mari ndeyokuita nemari.
Nenzira iyo haungapindi mukati memusoro wako. Zvinogona kunge nguva yokuti iwe uise pfungwa pakuvaka upfumi . Iwe unogona kuita izvi kuburikidza nekugadzirira nekugadzirisa mari. Iwe unofanirwa kuzvipira kuti ugare kunze kwechikwereti.
Kunze Kwechikwereti? Zvifadze iwe pachako
Paunenge uri makore makumi maviri iyo inguva yekufara muupenyu hwako. Kana iwe wakatanga kuburikidza nokubuda mune chikwereti, uye kugovera kubasa rako, zvinogona kureva kuti inguva yokuti iwe unakidzwe kwauri iko ikozvino. Rongedza rutsoka rwako rwezororo uye uchengetedze iyo uye enda. Izvi zvinogona kureva kuenda kuEurope kana kutora rwendo kana maviri pagore kuCaribbean kana kukwanisa kutora mwedzi kubasa kuti uende. Iwe uri pachigaro iye zvino kuti uite zvinhu zvaunofarira zvikuru. Shandisa zvayo. Iwe wakashanda nesimba kuti uuye pano.