Kubhadhara Chikwereti uye Kuvaka Pfuma naDave Ramsey's Baby Steps
Mwana Wechiito 1: Shingairira $ 1 000 kune imwe Emergency Fund
Chikwata chekutsvaga , icho chinozivikanwawo se "chitubu chezuva zuva," mari yaunogadza pane imwe nguva yakaoma.
HASI nhoroondo yaunofambisa kuenda kune zororo kana kutenga chitsva chinosuka.
Kunyange kana iwe uine chikwereti chekwereti chikwereti, Ramsey anoti unofanira kuisa $ 1000 muchirwere chekukurumidza. Zvino tanga kutarisa pane chikwereti chako.
Sei? Funga nezvazvo - kana iwe ukatakura mari yakawanda nokuda kwekukurumidzira, kufanana nerwendo kuenda kuEER kana motokari yako ichifa, iyo inodhura inogona kutumira iwe zvakananga kumashure. Kuva ne $ 1 000 yakachengetwa kuti ikubatsire kunoreva zvishoma kudarika mukana wekukanda chikwereti chikuru.
Mwana Wechipiri 2: Bhadhara Chikwereti Chako
Nhanho mbiri inhanho huru, iyo inogona kutora makore: kuripa chikwereti chose kunze kwekuti iwe unotora chikwereti. Ramsey anotsigira maitiro anonzi " chikwereti chechikwata ." Izvi zvinosanganisira kubhadhara zvikwereti kubva pachiyero chiduku kudarika chikamu chikuru, pasinei nekutora chikwata.
Iyi inyanzvi inopokana. Nyanzvi dzakawanda dzezvemari dzinotsigira "chikwereti chekubhadhara mari," apo iwe unofunga kubhadhara chikwereti nechikwereti chakanaka kutanga.
Zvisinei, vanhu vazhinji vakabudirira nekwereti yechando nokuti iyi nzira inopa vanhu kukurumidza nekwereti yavo. Nokubvisa chikwereti chako chiduku, unonzwa manzwiro ezvakaitika zvinogona kutakura kusvika kune chikwereti chako chiduku.
Mwana Wechipiri 3: Gadzira 3-6 Mwedzi Emergency Fund
Kana kamwe chete chikwereti chako chabhadharwa, edza mari inofanirwa kubhadhara inotakura mwedzi 3-6 yemararamiro ako.
Izvi zvichakuponesa kubva pakupinda mune chikwereti zvakare zvakanyanya paunosangana nedambudziko guru, sekurasikirwa kwebasa.
Kana izvi zvichiita sezvakawanda, yeuka kuti iwe uchange usina chikwereti pane iyi, saka mari yose yaunoshandisa kubhadhara chikwereti chako ikozvino inogona kutungamirirwa kune yako yaunenge uchichengetedza.
Bhuku Rekutanga 4: Chengetedza 15 Percent yemari yako yekusunungura
Nhanho inotevera ndeyekuisa pasi 15 kubva muzana yemari yako yose yemhuri mumarikiti yekurega mari yakadai saRoth IRA kana tsika yekodzero 401k .
Usanetseka kana iwe waunoshandira asingatauri chirongwa chekurega basa. Iwe unogona kuisa iwe pachako wega rega rekusunungura kambani, kana IRA.
Kana iwe uchida kuchengetedza zvakawanda, iwe unogona-Ramsey anongorayira kutanga kubva ne15 muzana. Kuwedzera icho kusvika pamakumi matatu kana makumi mashanu kubva muzana kuchakutora iwe paunzira yekurega basa (zvichienderana nezera rako), icho chinangwa chevamwe vanhu.
Mwana Wechipiri 5: Chengeta Chikoro
Zvadaro, tanga kuponesa kune imwe yako yekudzidzira yekoroji kana yevana vekukoro yekoroji (kana zvose zviviri!). Anokurudzira kushandisa 529 College Savings Plans uye Account Savings Accounts (ESAs) semari yako yekuchengetedza.
Funga izvi zvinofanira kuuya zvisati zvaponeswa nekuda kwekurega basa? Tarisa pazviri nenzira iyi: vana vako vanogona kutora zvikwereti kukoroji. Iwe haugoni kutora chikwereti chekurega basa.
Ita ramangwana rako kutanga.
Mwana Wechipiri 6: Bhadhara Kubhadhara
Iye zvino inguva yekukandira miriyoni yese mukubhadhara chikwereti chako pakutanga . Sei uchimirira makore makumi matatu kuti apedzise kugadzira imba? Iwe unogona kurwisa zvakasimba mutungamiriri mukuru uye iwe zvachose usina chikwereti-pasina, kusanganisira imba yako!
Izvi zvinogona kuva kutama kukuru kwekurega basa, kunyanya kana uchironga kurarama mumusha wako wekugara kwehupenyu hwako hwose. Iwe uchava nerugare rwepfungwa rinouya nekuziva iwe pamba pako pachena uye zvakajeka. Hapana anoda kunetseka pamusoro pokuita mari yavo yekubhadhara chikwereti pamubhedha.
Mwana Wekutanga 7: Kuvaka Pfuma uye kupa
Iye zvino uri kuchengetedza 15 muzana kumubhedha (kana zvimwe), hauna chikwereti (kusanganisira chikwereti), uye wakagadzirira kutumira vana vako kuchikoro.
Yenguva yekuisa pfungwa pakuvaka upfumi nekuisa mari, kuumba mabhizinesi, nezvimwewo.
Usakanganwa kupa kune rudo ikozvino kuti iwe unotarisirwa, zvimwe. Chinhu chakanakisisa pamusoro pokuva nepfuma kurikugovera nevamwe vanochida.