Havasi chinhu chakafanana!
Ini ichangobva kugamuchira mubvunzo mukuru kubva kumuverengi wandinoda kugovera. Muverengi anobvunza kuti:
"Ndinovenga kubhadhara mari inodhura ... (I) kuchengetedza mari yakawanda mubhengi rangu rebhangi saka handifaniri kuripa izvi. Iyi ndiyo gorozi rinokurumidzira here? "
Mubvunzo mukuru. Muverengi arikubvunza kana mari yekuchengetedza mari iyo yaanochengeta mukutsvaga kambani yake kuchengetedza kusakwanika-chikwereti chirango chinogona kuonekwa sechikamu chemari yake yekukurumidzira.
Mhinduro shoma: kwete. Heino chikonzero.
Chii chinonzi Emergency Fund?
Imwe yepamusoro mitemo mumari yemari ndeyekuti iwe unofanira kuchengetedza mari yekukurumidza.
Mari yakawanda yekukurumidzira inogona kukwanisa kuvhara mwedzi 3 kusvika ku6 yekugara mari. Kana iwe uine basa risina tsvimbo iyo mari yako inobhadhara zvikuru pamakomisheni uye mabhonasi, kana iwe uri kontrakiti kana freelancer, kana kana ukashanda mune imwe shwanditi inopera, ungada kuwedzera mari yako yekuvhara mwedzi 6-9 yehupenyu mari.
Iri mari inofanira kushandiswa PACHOKWADI kubhadhara mari inoshungurudza iwe . Zvinhu zvakadai sokurasikirwa nebasa, chibhadharo chikuru chechipatara, kana chiremba chikuru chezvinyorwa zvehutano, imbwa yegore rimwe chete.
Mune mamwe mazwi, mari inoshamisika inoita chinangwa chekufukidza mari isingatarisirwi. Chero mari yaunogona kutarisira - yakadai semotokari yekugadzirisa motokari (motokari imwe neimwe ichaputsa nguva nenguva) - inofanira kubhadharwa kubva mune mari inonyanya kugadzirirwa chinangwa ichocho .
Chii Chikoni?
Chikwata, zvakasiyana, chikero chaunoramba uri munhoroondo yako yekuchengetedza kuitira kuti uzvidzivirire pane zvisingakwanisi-chikwereti chezvikwereti uye mari yepamusoro .
"Zvinorevei izvo?"
Ngatimbofungidzira kuti une $ chaiyo chaiyo muongororo yako yekuongorora.
Musi weMuvhuro, unonyora cheki ye $ 200, iwe unobhadhara kadhi yako yekwereti mumutambo we $ 400, uye iwe shandisa kadi yako yebhadhiro kumatare $ 400.
Pakupera kwezuva musi weMuvhuro, iwe une $ 1 000 inokosha yekumirira mitero iyo ichaderedzwa kubva kuongororo yako yekuongorora.
Ngatitii $ 400 yekodhi yemari yebhadharo uye kubhadhara mari ye $ 4 debit pakubatanidzwa musi weChipiri. Musi weChitatu, unotarisa e-akhawunti yako uye ona kuti iwe uine $ 200 imomo.
Iwe uri munhu akabatikana ane zvinhu zvakawanda mupfungwa dzako; iwe unokanganwa kuti iwe wakanyora mari ye $ 200 iyo ichiri kumirira. Iwe unofunga kuti $ 200 muongororo yako yekuongorora ndiyo yako yekutora, saka iwe unodzinga $ 40 kubva kuATM.
Gare gare musi iwoyo iwoyo, mumwe munhu anoedza kutenga mari yacho-asi ikozvino iwe unongova nemari ye $ 160. Mune mamwe mazwi, iwe hauna kukwana mari. Cheko rinoputika uye bhenji yako inokupa $ 35 yebhadharo yepamusoro.
Chikonzero Nei Uchida Mushonga Wemari
Ungadzivisa sei izvi ? Chengetedza chikwata chako muongororo yekuongorora. Vamwe vanhu vanochengetedza kambani inenge yakaita se $ 100; vamwe vanonzwa vakachengeteka kana vane $ 1 000 vakadzingwa mubhuku ravo. Nguva shoma yaunoda kupedza kuongorora zviyero zvako , iyo yakakura iyo mitsipa yako inofanira kuva.
Ichi chikwata chiyero chako chekutanga chekuongorora mabheji. Kana kambani yako yekuongorora ichinge ichivhara pasi apa, iwe unofanira kufunga mupfungwa dzako kuti "inodzingwa."
Iwe hausi unyanzvi hwekubhadhara mumaziso ebhangi; iwe haugoni kubvumira chero cheki kana kuvharwa nehupi husina kukwana mari yechikwereti. Asi kana ukanyora pasi pasi, iwe unofanira kuzvifunga iwe kuti unobata chikero che "zero" mupfungwa dzako.
Kushandisa muenzaniso wakafanana nepamusoro: Ngatimbofungidzira kuti "kukanganisa" kwako ndi $ 300. Chii chingave chakaitika?
Kunyatsochengetedza Mushonga weCash Kungabatsira Mari Yako
Kutanga - Kana waive ne $ 1 000 mu-akhawunti yako, haungamboiti $ 1 000 yekubhadhara pamusi weMuvhuro. Iwe unofunga mupfungwa funga kuti bhangi rako rebhangi rinongodarika $ 700, sezvo imwe imwe $ 300 isingasvikiki. Iwe unogona kunge wakazvidzivirira kubva pakutenga chimwe chinhu nebhadhiro yako yemari pazuva iroro.
Chechipiri - Kana iwe wakakanganisa kuita $ 1 000 yekubhadhara pamusi weMuvhuro, waizoona kukanganisa kwako pakutarisa kuenzanisa kwako uye kuona $ 200 chete yakasiyiwa mubhuku rako.
Izvozvo zvinogona kuisa paanenge mumusoro wako, sezvo chikamu ichocho chiri pasi pemakumbo ako. Iwe haungatori mari yakawanda kubva kuATM. Panzvimbo pezvo, iwe unenge uchitsvaga kuisa mari muakaunti yako yekuongorora nokukurumidza kana zvichibvira, dzozazve chikwata chako.
Icho Chinhu Chinonyanya Kukosha: Chikwata chikamu chiduku ($ 100 - $ 1 000) chaunoramba uchichengetera muakaiti yako chekuongorora nekuda kwekudzivirirwa kupfuura zvekare. Chikwata chekukurumidzira chikamu chikuru chekuchengetedza munhoroondo yekuchengetera kuitira kuti iwe uwane chikwereti kubva mumamiriro ezvinhu akaoma sekurasikirwa nebasa. Aya ndiwo maonero akasiyana; hurumende yako haisi mari yekukurumidzira.