Iwe Unokwereta Mari Zvipi?
Zvakanaka, hapana chikwereti chaizova mhinduro yakanakisisa, asi iwe unofanira kuziva kuti kune zvimwe zvinhu zvinenge zvichidiwa unokwereta mari, sekutenga imba.
Nyanzvi nyanzvi dzinobvumirana kuti yako yose mwedzi wekukweretesa chikwereti haifaniri kudarika 36% yemari yako yakawandisa pamwedzi. Ichi chinhu chakanaka kutanga, uye kupfuura nguva kana iwe uchigona kuderedza nhamba iyoyo iwe uchava mukanaka hwakanaka.
Ndezvipi Zvakawanda Unofanira Kuita Pamba?
Iwe unotanga kuverenga nekuverenga chikwereti chako-kusvika-purogiramu uchishandisa 36% murayiridzo wehuwandu hwezvikwereti zvako pamwedzi. Mushure mokubvisa imwe chikwereti chenyu, iwe unosara nebhadharo yemwedzi wega roga rinofanira kunge rakakodzera.
Chimwe chirevo chechigunzva chemba ndechokuti iwe unofanirwa kutenga imba isingatengi kupfuura maviri nehafu kusvika katatu mari yako yegore negore. Somuenzaniso, kana iwe nemumwe wako pamwe muchiwana $ 100,000 pagore, haufaniri kushandisa mari inopfuura $ 250,000- $ 300 000 pamusha.
Iwe Unoda Kupi Mari Yakadini?
Imwe yemitemo yakanyanya kushandiswa yekuchengetedza ndeyokuti iwe unofanira kuchengetedza zvishoma nezve 10% yemari yako. Ramba uri mupfungwa, izvi zvinowanzofungidzira uri kuchengetedza mari yakawedzerwa muurongwa hwekurega basa pamwe chete.
Uyu mutemo we10% unoshanda mukugadzira kuchengetedza mari yekuchengetedza mari dzisingatarisirwi, dzidzo yekoroji , kana zvimwe zvinangwa.
Kana zvasvika pakuwanda kwaunofanira kuchengetedza kubhadhara, kana kambani yako ichipa purogiramu inofanirana, unoda kuchengetedza zvishoma zvakakwana kuti uwane zvishoma nezvayo. Iko mari yekusununguka. Iyi mapurogiramu akafanana anogona kuva kupi kubva pa 3-5 kubva mubhadharo wako wakazara, asi kuregererwa kwako kwekurega basa hakufaniri kumira ipapo.
Vechidiki vane nguva yakawanda yekuponesa vanofanira kuedza zvishoma zvishoma zve10%, kunyange zvazvo iwe uri pedyo nekurega, iwe unogona kunge uri kupfura kwe20-30% zvichienderana neshiri yako iri mazai.
Ndezvipi Zvakawanda Zvinofanira Kuita Edzi Yako Emergency Fund?
Mari yekutsvaga inoshandiswa kuvhara mari kana pane kurasikirwa kamwe kamwe kwekuwana mari kana chimwe chekukurumidzira kwemari . Nyanzvi dzakawanda dzinoratidza kuti mhuri ine mwedzi inenge mitatu nematanhatu inoshandiswa mari inowanikwa munharaunda yekukurumidzira. Saka, kana zvikwereti zvako zvemwedzi zvinokwana madhora 2 500, unofanira kuedza uye kuchengeta pakati pe $ 7,500 uye $ 15,000 mune rako rekuchengetedza mari.
Mari Yaunoda Ipi Mukusarura?
Nyanzvi dzakawanda dzinoshandisa kufunga kwokuti iwe uchada kudzorera mari yako yepakutanga kubhadhara mari ne75-80%. Saka, kana iwe ukaita $ 80,000 gore musati wasimuka, unofanirwa kutarisira kuva nemari inopfuura $ 60,000 muhupfumi panguva yekurega.
Imwe nzira yekufunga nezvayo ndeyokushandisa chikwata-chekufungidzira icho chiti dendere rako mazai rinofanira kunge rinenge ka20 nguva yako yegore rekusarura mari yausingawaniki kunze kwezvinhu zvekuwana mari, zvakadai senhepfenyuro yevanhu kana penheji.