Zvinyorwa zveMutambo Kuti Uwane Kwaunobva Kwauri Uri Kwaunoda Kuve
Iwe unomboita chirongo ichocho mudumbu rako pawakaona kuti wakangoshandisa mari yako yekupedzisira makumi maviri ekutenga kutenga zvishomanana zvekutengesa uye iyo inotevera mubhadharo haibvumiri mamwe mazuva matatu? Kana zvakadaro, hausi mubhokisi iroro chete. Kurwisana kwekurarama mubhadhakiti-ku-paycheck muUnited States chirwere. Maererano nekuongororwa kwevanhu vane chiuru chevanhu vakuru vakabudiswa neBhangerate.com muna 2013, vashoma kune rimwe muvana veAmerica vane mari yakawanda muhomwe yavo yekuchengetedza kuchengeta mwedzi mitanhatu yekubhadhara, zvakakwana kubatsira kubvisa kupera kwekurasikirwa kwebasa, chirwere chekukurumidza kana chimwe chiitiko chisingatarisirwi.
Panguva iyi, 50% yevaya vakaongororwa vane mushure memwedzi mitatu wemwedzi uye 27% havana kuchengetedza zvachose. Izvo zviverengero zvinopfuura kungopesana zvishoma.
Kana iwe Google, "Ndingaita sei kuti ndisiye kurarama kuripa-pay-paycheck?" Kutsvaga kwako kungaita kuti mapeji ezvinyorwa atitaurire nzira yekupedza urwu hutsinye ndeye "kusaita" zvinhu zvizhinji "Usaita izvi. Usadaro. Regai izvi. Rega izvozvo. "Nzira dzakasiyana-siyana dzokumisa kurarama kuribhadha-ku-paycheck dzinowirirana zvakafanana neizvi:
- Gadzira bhajeti uye usapedza kunze kwayo
- Dhura mari
- Ita mari yakawanda uye usashandisa mari yakawanikwa
- Chengetedza mari yako
Izvi zvinogadzirisa zvachose-asiwo zvinoshanduka zvakanyanya zvinoda kutarisirwa nokukurumidza, simba guru, nguva yekugadzirira, nekuzvipira kwakasimba. Izvi zvinogona kuva nhamba inotyisa ye "kuita" uye "kusaita," kunyanya kune vechidiki vane makore makumi maviri uye makumi matatu vanoda kuchinja, asiwo havadi kurasa zvachose upenyu hwavo sezvavanoziva.
Saka ndeipi mhinduro? Hakuchina matanho ekupindira ayo vanhu vanogona kutora?
Ndakanga ndichikurukura nyaya iyi pamwe neshamwari yangu Matt Reiner (mireniyadhi pachake) mavhiki mashomanana apfuura. Isu takabvumirana kuti kuchinja kunofanirwa kuitira kuti tisunungure kubva pamutengo wekubhadhara-kusvika-paycheck, asi matanho iwayo epakati akafananidzwa.
Akagovera mazano mashomanana akadai neni achaita musiyano mukuru kuhomwe yako asi uchiri kubvumira mararamiro anofadza. Aya matanho anofanirwa kukubatsira kuti ubve kubva kwauri nhasi kuenda kwaunoda kuva.
5 Nyore Dzakamira Kurega Kurarama Paycheck-to-Paycheck
1. Zvipe iwe pachako. Chokutanga, iva nechokwadi chokuti une akaunti yekuchengetedza yakasimudzwa. Pinda mubhadha yako yebhangi yepaIndaneti uye uise auto inotengeserana mukodha yekuchengetedza. Sarudza chiyero chekuendesa, izvo zvinogona kunge zvakaderera semadhora makumi maviri pamwedzi-chinangwa ndechokuti iwe uri kungochengetedza chimwe chinhu. Tariro iwe uchaona mari yacho ichatanga kuvaka nekubata chirwere chekuda kuchengetedza zvakawanda kuwedzera kuenzanisa. Kana iwe usingabati bhurosi pakarepo, ndizvo zvakanaka. Ichokwadi ndechokuti iwe uchiri kuchengetedza icho chiri danho rakakura munzira yakarurama.
2. Endai muzvitoro musi weSvondo. Iwe haufaniri kuenda kumadhoroka musi weSvondo, asi chinangwa apa ndechokusarudza rimwe zuva pavhiki kuenda. Isu tose tive nechinangwa chakanakisisa patinomhanyira muzvitoro kuti tiwane "chimwe chinhu". Asi zvisingaiti kuti iyo kateti yemukaka kana chingwa chinopinza mumotokari inotakurwa nehombodo nechingwa chezvinhu zvisingadi. Iwe unobva muchitoro uchitora $ 80 panzvimbo ye $ 5 wawakanga uchida-uye funga kuti $ 75 ingadai yakaenda sei kana yakashandiswa zvakasiyana!
Kuchengeta mabhizimisi ako kune rimwe zuva pavhiki panzvimbo yezviverengero pavhiki kunotendera mikana yekuchengetedza.
3. Endai kumisasa yeChishanu usiku, tarisa mufirimu Mugovera manheru. Zvinoratidzika kuti tinowanzoverenga zvinyorwa uye mazano mazano anotiudza kuti tisashandise mari. Zvinosuruvarisa, izvo hazvisi zvechokwadi kune vazhinji vedu-uye kana tiri kushanda, tinoda husiku kuti tive nehutano uye tisasununguke. Asi kana iwe uchifunga kuenda kunze kweusiku humwe chete uye uchigara mune imwe husiku, uchaona zvimwe zvakachengetedzwa. Panzvimbo yekuedza kusapedza kupedza, iwe uchangobva kuderedza zvakare. Iyi inhanho inogona kuita iyo inotitendera kuti tirambe tichinakidza asi chengetedza zvimwe zvakare
4. Shandisai (Nissan) Leaf. Ichi hachisi chokwadi chekutengesa kunotengesa Nissan Leaf, uye ndapota usapedzisira uenda kune zvekuchengeta. Zvisinei, kana uchinge uchingoshandisa mari yako yakawanda pamusi we mwedzi woga woga, izvi zvinogona kuva chinhu chikuru.
Ikoko kunogona kunge inogona kushandiswa nokukurumidza nekukodha Leaf uye iyo inokupa imwe nzvimbo yekufema kwemakore mashoma. Nemhaka yokuti motokari magetsi uye mamwe emitero yakabhadhara ikozvino, Leaf inogona kunge yakasununguka-uye iyo haitotori izvo zvaunoponesa pane gasi.
5. Ita kuti iwe unofanirwa kukuudza iwe pavakashandisa mari ... uye iwe unoita zvakafanana. Kune vazhinji vedu, kuzvidavirira ndekukurudzira zvikuru. Kazhinji paunoudza mumwe munhu kuti uchaita chimwe chinhu kana kana mumwe munhu akakubata kune rimwe basa, iwe unowanzoita. Izvo kukanganisa chinhu chinhu chinokosha pakuchengetedza kubva pakushandisa zvishoma.
Iwe unozviwana uri mupenyu paycheck-to-paycheck here? Dzvinetsa iwe pachako kutora matanho maviri ematanho aya ekupindira vhiki rino kuti uzviise pachedu yekuchinja.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo