The Essential Piece Yedzipi Yehupfumi Hwevanhu Vose Vanoda
Chikwata chekukurumidzira iyo nhoroondo iyo yakatarirwa kushandiswa pazvinhu zvinokurumidzira, mamiriro asina kurongwa chete. Izvo zvinotarisirwa kushandiswa chete kune zvakanyanya-zviitiko-zvingaitika.
Emergency funds inowanzochengetwa mumabhuku ekuchengetedza kana mari yemakethe yemari, kunyange zvazvo inogonawo kubatanidzwa mukuongorora mabhuku. Zvakakosha kuti ivo vanonyanya kuchengetwa mune imwe nhoroondo yemvura kuitira kuti iwanikwe nokukurumidza.
Ndiani Anoda Mumwe?
Nyanzvi nyanzvi dzinobvumirana kuti munhu wose, pasinei nehupfumi hwevanhu, vanoda mari yekukurumidza .
Mabhangi nemamwe masangano emari haatauri maakaiti se "mari dzinoshamiswa." Icho chirevo chinongowanikwa mukati memuridzi wekambani.
Inofanira Kuva Yakakura Sei?
Nyanzvi dzakawanda dzezvemari dzinokurudzira kuchengetedza mari yekukurumidzira iyo yakakura zvakakwana kuvhara mwedzi 3 kusvika ku 6 yemari. Izvozvo zvichakubatsira kuti uwane mumwedzi mishoma yekutanga kurasikirwa nebasa, vanoti.
Dzimwe nyanzvi dzezvemari dzinotora danho rinopfuurira, richiti iwe unofanira kuva nechikwata chekukurumidzira chinofukidza mwedzi 6 kusvika ku12 yekudhura. Izvo zvichabatsira kana zviitiko zvakawanda zvakaipa zvikaitika panguva imwechete, zvakadai sokurasikirwa kwebasa pamwe nechipatara chakakura.
Ko kana Ndiri mune chikwereti?
Nyanzvi dzakafanana zvakapatsanurwa pamusoro pekukura kwechikwata chekukurumidzira munhu anofanira kukura kana vari ikozvino mune kadhi rechikwereti chikwereti. Dzimwe nyanzvi dzinoti munhu ane chedha yekwereti yekwereti yekwereti anofanira kutanga aponesa $ 1,000 mari yekushungurudza. Ipapo vanogona kunyatsoteerera kubhadhara chikwereti chavo chepamusoro, uye vozovaka zvakasara zvebhadharo ravo rekukurumidzira kana chikwereti chavo chabhadharwa.
Dzimwe nyanzvi dzinofunga kuti vanhu vose vanofanira kunge vane mari yekukurumidzira iyo inomiririra mwedzi mitatu yekubhadhara, kunyange kana iri mu-high-interest chikwereti chikwereti. Iyi nyanzvi inopikisa kuti mari yekukurumidzira ichange iripo kana munhu wacho akazviwana ari panzvimbo yakaoma uye mitsara yechikwereti yakavharwa kwavari.
(Sezvinyorwa zvemashure, mabhizimusi ekuchengetedza mari yakawanda haawanzi kubvunzwa mari inoshandiswa pakarepo, kunyange iwe wakatenderwa kubvisa mupiro mukuru.) Chikwata chekukurumidzira chinonziwo chakaipa-case-scenario fund, mari yezuva, mvura yekupedzisira mari, uh-oh fund, uye oops fund.
Nzira Yokushandisa nayo Emergency Fund
John Doe anoisa mari kunze kwechikwata chekukurumidza. "Anokanganwa" nezvemari iyi, achiregeredza huripo. Haambofungi kushandisa mari yacho kubhadhara mari yakazara sezvipo zvezororo, kuchengetedzwa kwezuva kana itsva ye laptop.
Gare gare, rimwe dambudziko rinokosha rinoitika. Zvichida anorasikirwa nebasa rake , motokari yake inobirwa, kana kuputsa gumbo rake uye inshuwarisi yake inoramba kuvhara bhiri.
Pasi pemamwe mamiriro ezvinhu, John Doe aizoda kupinda mune chikwereti kuti abhadhara nekuda kwekukurumidzira, nekukwereta kune shamwari kana mhuri kana kuvimba nekadhi kadhi rechikwereti. Asi panzvimbo iyo, Johane anoshandisa mari yake yekukurumidza kuvhara bhiri, kudzivisa chikwereti. Imwe nguva dambudziko racho rapera, chinangwa chikuru chaJohane chokuchengetedza chinovazve kuvakazve muyero mubhadharo rake rekukurumidzira.