Nzira Yokuchengetedza Sei Mari paChikoro
Chikoro ndiyo nguva yekutanga vechidiki vakawanda vanova nebasa rekutarisira mararamiro avo ezuva nezuva.
"Pana 18, kunyange zvakadaro, tsika yekufunga ndeye" rusununguko "rusingaperi pane kuti uwane 'mutoro,'" anodaro Stefanie O'Connell, munyori we "The Broke and Beautiful Life."
Unoda kubatsira vana vako kuti varambe vari munzira? Pano pane mabhiji gumi nemakumi mashanu ekuchengetedza bhajeti, uye kuti ungaderedza sei mari:
1. Nzira dzinokosha
Ikoji yeBireji inofungidzira mabhuku uye zvigadziro zvinodhura nguva yakazara yenguva yakazara pamakoreji emakore emasangano ehurumende $ 1,298 pagore. Kuzvidzikisa: Kutenga kushandiswa, kubhadhara panzvimbo yekutenga (kuburikidza neKegg.com), kana kugovera zvinyorwa zvine pal.
2. Cars
Kupaka motokari kunogona kuwana mutengo (gore negore kupemha kwemvumo kuYunivhesiti yeArizona iine $ 672, somuenzaniso). Edzai mari yejubhi yeZipcar pane. Nhengo dzinotanga pa $ 7 pamwedzi, uye chikoro chako chingave chakakodzerwa nemitengo chaiyo.
3. Zvimwe Migwagwa
Kutora kabs, Ubers, Mhizha, kana zvimwe zvekugovera-kugoverana mabasa kunowedzera nokukurumidza. Mari yemunhu wega Blogger Tess Wicks haana kuziva kuti aipedza madhora mazana maviri nemwedzi pamwedzi paUbers asati asvitsa mabheki.
"Iwe unofanirwa kubhadhara kune iyo," anodaro. Iva nechokwadi chokuti iwe unotaura nevana vako nezvekuti vanozofamba sei pavanosarudza kuti vanogara kupi.
4. Pizza (uye Zvimwe Zvokudya)
Kunyange neurongwa hwekudya, mutengo wezvokudya, masikati masikati, uye pizza inowedzera. Chinokosha kuisa chiyero chakanaka chekushandisa vhiki yega yega kwekudya kubva purogiramu yekudya.
"Chengetedza mapeji ako kana kushandisa sangano, saMint, kuti uongorore kushandiswa kwako uye ugare uchizvidavirira," O'Connell anoti. Uye uvakurudzire kuti vabate apulo kana zvimwe zvinotapira zvinotakura kubva muimba yokudyira kuti vazvifambise.
5. Caffeine Fix
Kofi inogona kuva yakakosha semvura, asi kutenga iyo zuva rega roga kunogona kutenga mari. Kunyange ye $ 2.50 yeka joe iri $ 77 pamwedzi apo inotengwa zuva rimwe nerimwe. Kuisa mari muKeurig, kana zviri nani zvakadaro, yakanaka yekare yekubhadhara kofi maker, inofadza kufamba.
6. Kuenda muchiGiriki
Kubatana nehupenzi kana ukama kunogona kukwira kudarika $ 1 000 per semester. Taura nevana vako, zvisati zvaitika, pamusoro pekuti zviri mubhajethi. Kana vakazvipira, vanoziva kuti nhengo dzakwegura, kana "Vakuru," dzinopiwa kushambidza nhengo itsva itsva dzinonzi "Littles," nezvipo. Taurira mushandi wako kuti achengetedze swag kuti adzorere gore rinotevera.
7. ATM Imari
Kushandisa mishonga isiri yebhangi yako inogona kutenga mari inopfuura $ 4 a pop, maererano neBhangerate.com. Mhinduro yacho: Bhengi pamwe nesangano rine magetsi akawanda pamusasa. Uye kana iwe usina mari? Shandisa mari yako kana kadhi rechikwereti, kana kuti rega shamwari dzako dzibhadhe uye dzidzorere zvakare neVenmo.
8. Kuchenesa
Iva nechokwadi kuti vanoziva kuzviita ivo pachavo vasati vabva pamba kuitira kuti varege kuedzwa kuti vatumire.
Semuenzaniso, basa reLazybones yekuchechera rinosvika $ 364 semester kune dzimwe dzikoro. Ouch.
9. FOMO
"Kutya kukanganisa" kunogona kutungamirira kumhanyiro ekutsvaga pamakonti, mafirimu, uye kunyange Spring Break, anodaro O'Connell. Mhinduro: Kurudzira vana vako kuti vaongorore zviitiko uye vadzidzi vemararamiro emararamiro emakirasi ehutano hwakasununguka, vhidhiyo kuongorora, uye kuratidzira kuratidza-uye kuisa pfungwa idzi kune shamwari dzavo.
10. Bookstore
College bookstores haisi ikozvino mabhuku mabhuku. Ivo ndivo tech emporiums, drugstores, boutiques, uye (dzimwe nguva) mini-marts yakaiswa mune imwe. Uye vadzidzi vanogona kutengesa kutengesa paZvo dzavo. Udza vana vako iwe uri kutarisa chinhu ichi chemutsara zvakanyatsonaka.
11. Data Drainers
Mobile data haisi shoma, uye kana iwe ukaenda pane yako plan plan iwe uri kutarisa kusvika pa $ 15 pamamwe gigabyte yakawedzerwa.
Taurira vana vako kuti zvipi zvavanorayira zvakajeka, uye kana vari purogiramu yemhuri, ona kana iwe unogona kugadzirisa dhigirii yemunhu oga nokuda kwavo chete. (Cherechedza: Vanofanira kunge vane tsika yekubatanidza WiFi kana zvichibvira.)
12. Utano
Vechidiki vako vanogona kutarisa chechokwadi pavanoona kuti mari yavo yakawanda inodhura yakadii. Kana ivo vachirarama mumarara, saka vanogona kunge vane nzvimbo yekuvigira yepamusoro yevanhu (kureva mapepa edzimba uye sese ruoko) yakavharwa. Asi shamhu, chimiro, uye kushambidza muviri kune imwe nyaya yakasiyana. Coupon apps seSitolosavvy uye CouponFollow, pamwe chete nemasitolo mapepa kubva kuCVS neWalgreens, anogona kubatsira.
13. Kuuya Kumba Kwemazororo
Kuenda kumba kunodhura zvakakwana semabhuku, kunyanya pamazororo makuru. Kuti uzvirove, ronga mberi-57 kusvika kune makumi matanhatu mazuva anopfuura nguva, kuva yakarurama, kana kuti iwe haugoni kuvhara izvo, zvinenge 21.
14. Kutamba
Netflix. HBOgo. Spotify. Nheyo dzakadai seizvi dzinogona kuwedzera zvakasimba, asi mari yekoroji inogona kubatsira mune dzimwe mamiriro. Prime Student, Amazon Prime's student discount, inopa mwedzi mitanhatu yakasununguka yekutumira kwemazuva maviri kwevana vekoroji, uye mushure memwedzi mitanhatu, vanowana Amazon Prime 50% kubva (inodarika madhora 50 pagore). Spotify yekoroji yekutengesa pa $ 4.99 pamwedzi pasina zviziviso zvinomiririra 50% kutora. Apple Music uye Tidal inopawo zvidzidzo zvevadzidzi.
15. Kusiya Mari Yerusununguko Kuenda Kumatare
Pakupedzisira, dzidzo. Hazvina-brainer, chaiko? Asi "inenge madhora mabhiriyoni matatu emadhora inosara patafura gore negore kana iri pamusoro pekubhadhara mari," anodaro Christie Garton, muvambi weZvondo Dreams Fund.Zviri nzvimbo dzekutsvaga ndezvokuti FastWeb.com uye Scholarships.com uye kana uri kukwereta ? Shandisa simba rako rekubhadhara chikwereti musati waenda kune vega.
Ndiina Kelly Hultgren