Dzidza Zvikonzero Zvikuru Zvikuru Zvokuchengetedza Mari

by Miriam Caldwell

Iwe unogona kunge uchizvibvunza pachako kuti nei kune kuwanda kwakamanikidzwa kwekuchengeta mari . Kana iwe uine zvakakwana kubhadhara zvinhu zvose zvaunoda, nei uchifanira kufunganya nezvekuisa chero pamwedzi mumwe nomumwe ? Kune zvikonzero zvakasiyana-siyana zvekutanga kuchengetedza mari . Vanhu vakasiyana vanochengetedza zvikonzero zvakasiyana. Zvinogonesa kuchengetedza nyore kana iwe uine chinangwa chakajeka kana chinangwa chemari yauri kuchengetedza. Heano zvikonzero zvinomwe zvaungafunga nezvekuchengetedza mari yako.

01 Chengetedza Emergency Funds

Zvakakosha kuva nechikwata chekukurumidzira chinongororwa kuti chivhare mari dzisingatarisirwi . Izvi zvinogona kuvhara kusatarisirwa kwemotokari kugadziriswa, yako appendectomy yekukurumidza kana kuti kurasikirwa kwebasa kamwe. Zvakanaka, mari yako yekukurumidza inofanira kunge inenge mwedzi mitatu kusvika kumatanhatu yemari yako. Kana iwe uchingotanga kunze iwe unofanira kuisa pamusana madhora $ 1000.00 nokuda kweizvi. Mukuwedzera pane mari yako yekukurumidzira, iwe unofanirwa kuve nechokwadi kuti une chirongwa uye inshuwarisi yakanaka panzvimbo kuti ikubatsire kurarama zviitiko zvisingatarisiri zvemari muupenyu hwako. Kana uchinge usina chikwereti, iwe unofanirwa kushanda pakuunza mari yako yekukurumidzira kusvika pamwedzi mitanhatu kusvika kumwedzi gumi nembiri yemari yako. Kana iwe usina kuroorwa kana kurarama pane imwe chete yaunowana mari, unogona kuenda nechikwata chikuru chekutsvaga.

02 Kuchengetedza Kubhadhara

Chimwe chikonzero chinokosha chekuchengetedza mari ndeyekusarura kwako. Nokukurumidza iwe unotanga kuchengetedza zvekurega basa, zvishoma iwe uchafanira kuchengetedza munguva yemberi. Iwe unogona kuisa mari yako kukushandira iwe. Sezvaunoramba uchipa mupiro pane nguva iwe uchave uchiwana mari yakawanda pamari yaunayo, ipapo unoisa mumwedzi wega wega. Iwe unofanirwa kunge uchingobatsira pamushandira wako uye pakupedzisira, iwe unoda kugovera gumi kusvika kune gumi nemashanu kubva muzana yemari yako yakawanda. Iwe unogona kugovera kune yako 401 (k) pamwe neIRA.

03 Chengetedza Kubhadhara Kwakadzika Kweimba

Chikonzero chechitatu chekuponesa mari ndeyekubhadhara pasi paimba. Simba rako rekutaurirana rinowedzera zvakanyanya paunenge uchibhadhara zvakanyanya kumusha kwako. Iwe uchagamuchira chido chekuda mari, nekukwanisa kutenga imba yakakura. Iwe unogona kusarudza kuti unochengetedza sei kune izvi mwedzi mumwe nomumwe zvichienderana nemamiriro ako. Kubhadhara kwekubhadhara kuchakubatsira kuti uende kunzvimbo iri nani uye uite kuti zvive nyore kutenga dota rako kumba. Iyo inogonawo kuita kuti zvikwereti zvako zvigoneke.

04 Kuchengetedza Zororo uye Zvimwe Zvinhu Zvakakurumbira

Chikonzero chechina chekuchengetedza mari ndechekuseka. Iwe unogona kuchengetedza nekuda kworwendo rwako rweEurope kana kuti Caribbean cruise. Uyezve, unogona kuchengetedza kunakidzwa nezvinhu zvakawanda zvetikiti zvakadai seClassStation 4 kana chikepe chitsva. Simba rako rekutaurirana rine simba kana uine mari iripo kuti uwedzere kutenga. Kunyanya iwe hausi kuda kubhadhara kubva parwendo rwako kuenda kuEurope mumakore mashanu. Kunyange kana iwe ukachengetera kuti uende kuzororo, unofanira kuedza kuchengetedza pamahotera ako ezororo . Izvi zvinoponesa zvinhu zvinofadza, uye kazhinji zviri nyore kuzvikurudzira kuti uchengete nenzira iyi.

05 Chengetedza Nhamba Yutsva

Chimwe chechishanu chikonzero ndechokutenga motokari nemari. Iwe uchashamiswa nemari yakawanda iwe unogona kusunungura mubhajheji yako kana iwe usingaiti nguva dzose kubhadhara motokari. Iwe unogona zvakare kutaurirana mutengo wemotokari zvakaderera kana iwe uchida kubhadhara mari pane mutengesi. Kurarama pasina kubhadhara motokari kunogona kuita kusiyana kukuru mubhadharo yako yemwedzi. Iwe unogona kuchengetedza mari yakawanda kune dzimwe zvinangwa zvako kana uchitanga kuripa motokari yako mune mari.

06 Chengetedza Sinking Funds

Chikonzero chechitanhatu ndechokuisa mari yako yekunyura . Iko mari inonyura ndiyo mari yawakagadzirira pane yekugadzirisa remangwana kana kuvandudza pamotokari yako, pamba kana zvimwe zvinhu. Iyi kuronga inogona kukubatsira kuti urege kupinda muhomwe yako yehupfumi nguva dzose iwe uchida kugadzirisa motokari yako. Iwe unogona kuisa mari yako yekunyura zvichienderana nemari inotarisirwa yezvinhu zvakadai sekugadziriswa kwekicheni kana muvhareji wezvisingatarisirwi mari dzakadai sekugadzirisa motokari.

07 Dzidzo Yako

Chikonzero chechinomwe chekutanga kuchengetedza mari ndechekudzidzisa kwako munguva yemberi. Gore negore vanhu vakawanda vanodzokera kuchikoro kunowana masters avo kana doctorate degree. Unogonawo kufunga nezvekuchengetedza dzidzo yemwana wako kana nguva yasvika. Kana uri kuchengetedza dzidzo yemwana wako, unofanira kutarisa kushandisa kushandisa chirongwa 529. Pane zvakasiyana siyana zvinogona kuwanikwa zvichienderana nehurumende yauri kugara. Kana iwe uchida kudzokera kuchikoro iwe pachako, unofanira kufunga nezvekuponesa pane zvinopfuura tuition. Kana iwe ukadzoka shure nguva yakazara, iwe unogona zvakare kuchengetedza kusvika kuvhara mararamiro ako ehupenyu.