Kusarudza Nhamba Yakakodzera Yehuwandu Kwemari Yenyu Yega
Chikamu chakakura cheheyo iyo ndechekuti iwe uri mumamiriro ezvinhu akadini .
Mune zvinyorwa zvekuverengera, kushandiswa kwezvinhu zvinoreva zvinhu zvebhadharo rako riri mukati, kana rinogona nyore nyore, rinodhura, uye rakakurumidza kuchinjwa, mari. Chinhu chakanyanya kukosha pamvura inoshandiswa ndeyekuti vachazovepo apo iwe uchisvika kwavari, uye kuchengetedzwa kwehukuru hakuzombovi pangozi.
Haisi chakavanzika chokuti, kumudyari muduku, nzira inonyanya kuzivikanwa yekuisa mari pamusana pechinangwa chekuchenesa ndeye kushandisa gwaro rekuchengeta. Takataura nezvekuchengetwa kwekodha mumazuva mashomanana adarika, kusanganisira nyaya yandinyorera inonzi 5 Zvinhu Zvaunofanira Kutarisa MuAkaunti Yokuchengetedza , iyo inonyora urongwa hwezvinhu kana maitiro aunofanira kuda kubva kubhangi rako kana sangano rezvemari.
Mari Mari Yaunofanira Kuita Sei Munyaya Yokuchengetedza
Zvose zvimwe zvakaenzana, uye achitaura muchidimbu, mupfungwa, mhinduro yacho iri nyore kupfuura inogona kuonekwa. Nhamba yemari muzvinamari inofanira kuchengetedzeka mubhuku rekuchengetera ichave yakavakirwa pane zvishomanana zvezvinhu, kusanganisira:
- Kutsigira kwemamiriro ake emabasa kana chimwe chekutanga chekuwana mari
- Nhamba yezvigadziriswa mari yaanoita mwedzi mumwe nomumwe
- Maitiro ake aidiwa ehupenyu
- Mikana yezvigaro zvakakura pane zvaanowana, kunyanya izvo zvingasimuka pfupi pfupi
- Nhamba yemari yaanoda kunzwa yakachengeteka, iyo ichinyatsofungisisa iyo iyo ichasiyana kubva kune mumwe munhu uye kunyange gore negore zvichibva pachigarire cheupenyu
Ngatitorei nguva kuti tiongorore zvishoma pane izvi zvakadzama zvakadzama kuitira kuti mugone kuwana maonero emakero emari angave akafanirwa nekodha rega rekuchengetedza.
Iva Akatendeseka Pamusoro Pekugadzikana kweNzvimbo Yenyu Inowanikwa
Iwe uri purofesa wakagadzirirwa mune imwe yunivhesiti yeIvy League yakakurumbira nemabhuku akawanda akabudiswa, purogiramu yakabhadharwa yemari inobhadharwa inotaurira kutaura, uye rimwe basa rega semuongorori wakatsvakurudza, zvose zvinoungana kuti zvigadzire zvakasimba, zvakakosha , nhanhatu-chibereko chekuwana kana iwe uri mushandi wenguva pfupi mumakambani emwaka anoona nguva uye nguva dzekugadzirisa kuitira kuti iwe usamboziva kana iwe uchange uine basa rinotevera kota?
Kunyangwe dai mari yacho yaive yakafanana, munhu wekupedzisira aizofanira kunge ane kanoverengeka kero yemari akagara mubhuku rekuchengetedza kuitira kudzivirira zvakakwana mhuri yake kubva kune njodzi inogona kuitika nokuti munhu wechipiri anozviisa pasi pehuwandu hwehupfumi hwevanhu.
Imwe nzira inotevera ndeyekutevera izvo zvandinonzi iBerkshire Hathaway business model . Mukufamba kwemakore akawanda, unogona kuderedza zvikuru njodzi yako nekugara uchiwedzera mitsva miviri yemari. Zvingave iwe uri gweta uyo ane chine ye-ice cream mabhizimisi, kana purofesa we geology uyo akavaka purofiti yemapurisa mashoma ekubatana kwekuisa mafuta, gasi rezvisikwa, uye mari yepipeline muongororo yako yekuongorora, zvakanyanya kusiyana kwako mumari, zvishoma iwe unofanirwa kuvimba nebasa rimwe chete kana kushanda kuti uchengetedze mwenje uye zvokudya mukati memajeri.
Verengai Nhamba Yako ye Fixed Expenses
Nhanho inotevera apo kuedza kuziva kuti mari yakawanda sei yaunofanira kuichengeta munhoroondo yekuchengetedza ndeyekutarisa zvinoshandiswa mari yako. Kana iwe wakarasikirwa nemari yako yose usiku humwe, mwedzi yakawanda sei iwe unogona kuchengeta mararamiro ako ehupenyu? Nyanzvi nyanzvi dzinokurudzira kwemwedzi mitanhatu.
Pamwe, ndinofunga kuti vanhu vazhinji vanofanira kufungidzira makore maviri kusvika maviri. Icho chinokurudzira, asi unoziva kuti haufaniri kuvaka iyo yakachengetwa usiku hwose. Unogona kushanda kwemakore, zvishoma nezvishoma kuunganidza yako yakasara. Imwe nzira yaunogona kuigadzirisa nayo nekuderedza mari yaunoda pamari yemhuri yako. Somuenzaniso, iwe unogona kubhadhara chikwereti chako mberi kwechakutaura kwako kukura. Usina chekubhadhara chikwereti, mari yako yehupfumi inogara mubhuku rekuchengetera haifaniri kunge yakakura, ichikupa mari yakawanda yekushandisa kana kupedza.
Fungidzira Kana Iwe Uri Wakazarurwa Kune Zvimwe Zvikuru Zvikuru Pamusoro Pemahadharo Ako Emari
Uri kutarisana nekutyisidzira kwekutonga kukuru here? Pane hutano hwezvikwereti zvekurapa zvakakura here? Ko bhazinesi yako yemhuri inotambura nekuderera kwemari? Kana zvakadaro, funga hoarding mari munyaya yekuchengetedza. Chimwe chezvinhu zvakanyanya kuitika ndezvokuti iwe unopedzisira uine mari yakawanda. Icho chinetso chepamusoro-soro kuti uve nazvo. Kana pasina chinouya kubva mazviri, iwe unogona kugara uchitenga zvakagadzirwa kuti uwane mari yekupera mushure mwedzi unotevera kana gore rinotevera.
Tarisa mukati uye Kutendeseka Ongorora Manzwiro Aunoita Emotionally
Izvi zvinopesana nevanhu vose, uye zvakare, zvinogona kuchinja zvichienderana nechikamu chehupenyu hwako. Inotora mari yakawanda sei, yakachengeteka uye yakachengeteka munyaya yekuchengetedza, kuti iwe ugone zvakanaka usiku uye usingafungi? Iwe unogona kunge une chimiro, kunyange kana chisina musoro, icho chinouya mupfungwa nokukurumidza.
Kune vamwe vanhu, iri $ 10 000. Kune vamwe, $ 100,000. Billionaire Warren Buffett anoda kuchengetedza $ 20 mabhiriyoni zvishoma pasi, kunyange zvazvo akaiisa mubhadharo yeHaimari, zvisungo, uye nhete, kwete nhoroondo yekuchengetedza. Isu tine "nhamba". Ita zvaunoita nokuva akatendeseka iwe pachako uye wowana nzira yekuita kuti zviitike.
Ndapota cherechedza kuti The Balance haibhadhara mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.