Kana mwana wenyu ari kuyaruka anogona kugadzirisa mari yavo pachavo, ivo vachava nehupenyu hwepamusoro, havazofaniri kukushevedzai kuti muwane mari (muchivapa pfungwa huru yekuzvimiririra mune zvemari panguva iyo iri kuderedza mutoro uri pa checkbook yako), uye une rusununguko Sarudza nzira yavo pasina kunyunyuta pamusoro pezvikwereti zvevadzidzi , motokari yemari, kana kadhi rechikwereti chikwereti .
Nhamba Yako Yerusununguko Yakanyatsobatanidzwa Kumutengo Wako Wechikwereti
Chikwereti chakawandisa chikamu chehupenyu hwakaenzana nezvipfeko. Imwe yezvinotyisa zvikuru zvemari kune vechidiki vaduku iri kutora zvinhu zvakawanda "zvekutengeserana" zvakadai sokubhadhara zero-down, pasina kubhadhara kwemwedzi gumi nembiri kana zvimwe zviitiko zvakafanana zvinowanikwa pane zvishandiso zvefenicha, vatengesi vekuvandudza imba uye vatengesi vemotokari.
Kakawanda, vanonyengerwa nekunyengedza kwechikwereti nekugutsikana kwekutsvaga kwekutenga pasina kutora mari iri muhomwe nhasi. Nokukurumidza kana kuti gare gare, ivo vachazoguma vachibhadhara mari yezvinhu uye zvichida zvakawanda zvakanyanya.
Dzidzisai mwana wako kuti afunge nezvekuyerera kwemari inokonzerwa nekutenga kukuru uye kuti usadzivirire kuzvipira kwemari pamatengo ose. Mumwe munhu wechidiki ane mararamiro anongororesa aine faira chete ($ 78), kubhadhara motokari ($ 275), inshuwarisi ($ 100), uye kubhadhara ($ 500) ari kutarisa pamwedzi we $ 953!
Nemamwe mazwi, $ 11,100 yemari yake yegore negore inoenda kungochengetedza motokari, foni, uye denga pamusoro pemisoro yavo.
Mushure mokunge muine mari yekushandisa mari yakadai sezvokupfeka, gesi, kushanda kweterevhizheni, kabheji, uye zvokudya, zvinova pachena kuti mukuru wechidiki munzvimbo iyi angangodaro asina mari yakawanda yokurega kana iye ane chinangwa chokuvaka mari chikwereti, chengetedza kubhadhara mari paimba, kana kuenda kunopedza chikoro (mazano akachenjera ekuchengetedza, verenga Verenga Zvikamu Chekutanga uye 7 Mitemo yePfuma yePfuma ).
Usakwereta chikwereti cheKodhadhi yeKodheni kupfuura Zvose
Chikwereti chemari chikwereti chakashata. Kana mukomana wechidiki ari kuita 4% pamabhuku ekuchengetedza mabhuku asi akabhadhara chikamu chemazana makumi maviri (20%) pachikwereti chake chekwereti chekwereti, zvinovapa 16% kuitira kodzero yekuwana 4%. Ichi ndicho chimwe chezvinhu zvoupenzi zvaanogona kuita.
Pane kudaro, vanofanirwa kutora zvigadziro zvavo uye vanobhadhara zviyero, vachingoti vaite mari mushure mokunge vadzima zviyero zviviri kubva kuhupenyu hwavo nokusingaperi. Chimwe chikwereti, chakadai semudzidzi chikwereti, mortgages, nezvimwewo, zvichienderana nemamiriro emunhu chaiwo. Kuti uwane rubatsiro pakusarudza kuti chikwereti chipi chinofanira kuenda uye chinogona kugara, verenga Pay Off Debt yako kana Invest? .
Vhura IRA uye Ipaiwo Izvo Zvayo Sokurumidza (uye Young) Sezviripo
Zuva iro mwana wenyu ari kuyaruka anoshanyira gumi nemasere, iye anofanira kuzarura IRA. Mune Matanho matanhatu Ekutora Pfuma Mupfumi , ndinotaura kuti ane makore makumi mana anokwereta $ 20,000 pagore nekuda kwekurega basa achaguma nehafu chete yezvinhu semunhu wemakore 21 uyo anopa $ 5,000 pagore. Kunyange kunyange mari shoma shoma inogona kuve yakawanda inoremekedzwa kana ikapiwa nguva yakakwana.
Sarudza Chikoro Chako Nokuchenjera
Muzviitiko zvakawanda, pane musiyano muduku pakati pekodhi ye $ 30,000 yega yega uye $ 12,000 nyika yunivhesiti. Zvinonyanya kukosha ndezvaunoita nehuwandu hwako, kwete zita rakanamatirwa naro (kunze kwepamusoro pezvizivo zvakadai semutemo kana mushonga).
Kuzvibvisa ne $ 64,000 mune imwe chikwereti kunogona kuchinja zvakanyanya zvirongwa zvako zvehupenyu. Mwedzi inoverengeka mushure mokupedza chikoro, iwe uchakamanikidzwa kuita kuti chikwereti chako chekutanga chemari chikweretwe. Izvi zvinogona kuguma nokutora pasi-pabasa nokuda kwemari inoshandiswa pamutengo wemukana uri nani gare gare.
Chenjererai makava maduku
Zvave zvataurwa kuti mapoka maduku anoparadza muzambiringa. Kubudirira kwemari kwevakuru vose vaduku kunonyanya kugadziriswa nezvisarudzo zvavo zvezuva nezuva, zuva nezuva. Kana iye achitenga $ 500 terevhizheni, vanogona kuenda kune dzimwe nzvimbo dzakasiyana-siyana, kuenzanisa nheyo, uye kuwana zvakanakisisa zvakanakisa.
Pasina kufunga, zvisinei, vanogona kupedza $ 50 vari muresitorendi, $ 5 pamotokari yemagetsi vachitenga coke nepepanhau, $ 25 pamabhaisikopo, $ 85 yejira pa Banana Republic, $ 20 yekenduru, $ 30 yebhuku, $ 5 kunwa pa Starbucks ...
iwe unowana mufananidzo.
Izvozvo zviduku zvinodhura zviri nani pachavo, asi nekufamba kwenguva dzinowedzera kusvika pakuwanda. Pasingazvizivi, mumwe munhu wechidiki mumamiriro ezvinhu aya asingazivi ainge achishandisa $ 1 mamiriyoni panguva imwe . Nokucheka $ 3 chete pazuva uye kuzvipa mari, wechidiki mukuru anogona kuva mamioneya kuburikidza nekurega basa.
Uzive Hurumende Yezvipfuwo Zvako - Shandisa Purogiramu yeZvesa Kuongorora Mari Yako
Mambo Soromoni, mumwe wevarombo vakapfuma munhoroondo, akambonyora, "Shingairira kuziva nyika yezvipfuwo zvenyu, nokuti pfuma haigari nokusingaperi". Kune mauto akawanda anowanikwa software, kusanganisira maIndaneti mazano akadai seMint, vekare-mafashandeteti akadai seMicrosoft Excel, kana aya anowanika mugore kubva kuGoogle Drive.