Hurumende yaElzabeth Warren ya 50/30/20 inogona kukubatsira iwe kutarisira bhajeti yako.
Nyanzvi yeHarvard inoshandiswa naElbert Warren-yainzi Time m agazine semumwe wevamwe vanhu vane zana revanhu vazhinji vari munyika-yakagadzira "50/30/20 mutongi" yekushandisa nekuchengetedza nemwanasikana wake, Amelia Warren Tyagi.
Vakanyora mubhuku muna 2005: "Zvose Zvaunofunga: Hupenyu Hwokupedzisira Hwokuita Mari."
Saka iyo 50/30/20 inoronga sei basa? Hezvino iyo Warren naTiagi vanokurudzira kuti uronge bhajeti yako.
Nhanho Yokutanga: Tora Mari Yako Inotora Mushure
Mari yako inotevera musero ndeye inosara yebhadharo yako mushure mekutora mitero, yakadai sehurumende, mutero wemunharaunda , mutero wemari, Medicare, uye Social Security. Kana iwe uri mushandi ane mubhadharo wakakwana, mari yako inotevera mushure inofanirwa kuve nyore kuverenga. Tarisa papa paystubs yako. Kana kutarisira utano, zvipo zvekurega basa , kana zvimwe zvakabviswa zvabviswa mubhadharo rako, uzviwedzere zvakare.
Kana iwe uri wega-wega, mari yako inotora mitero yakaenzana nemari yako yakawandisa iri pasi pebhadharo yako yebhizimisi, zvakadai sekubhadharwa kwefoni yako kana airfare kumitambo, pamwe chete nemari yaunoisa pamitero. Iwe uri mutoro wekudzorera yako pachako inotarirwa kutengesa mutero kune hurumende nokuti iwe hauna mushandirwi wokutarisira iwe.
Ingoyeuka kuti kuzvizvipira kunoreva kuti iwe unofanirwa kubhadhara mutero webasa rako, saka sanganisira izvi mukuverenga kwako. Mutero wekuzvitsvaga uripo kaviri zvaunogona kuripa muMedare uye Social Security mitero kana iwe wakashanda.
Nhanho yechipiri: Deredza Zvidikanwi Zvako kusvika ku50 Mazana emitero Yenyu Yapera-Imitero
Zvino dzokera kubhadharo yako.
Iwe unopedza mari yakawanda sei "zvinodikanwa" mwedzi woga woga, zvinhu zvakadai sezvokudya, dzimba, zvishandiso, inshuwarhu yehutano , kubhadhara motokari, uye motokari yveshuwarisi? Maererano naWarren naTiagi uye kutonga kwavo 50/30/20, mari yaunoshandisa pazvinhu izvi haifaniri kunge yakakwana kupfuura 50 muzana yemutero wako.
Zvechokwadi, iko zvino iwe unofanira kusiyanisa pakati pezvinhu zvipi zvinodiwa "izvo zvinodikanwa" uye izvo zviri "zvinoda." Chaizvoizvo, kubhadhara kupi zvako kwaunogona kukanganisa nematambudziko mashoma akadai sewadhi yako yebhadhiro kana zvekudzokera shure kuchikoro ndekushaiwa. Chero kubhadhara kunogona kukanganisa hutano hwako hwehupenyu, hwakadai semagetsi nemishonga yemishonga, ndicho chido.
Kana iwe usingakwanisi kupa chikwereti chakadai sokubhadhara zvishoma pa kadhi rechikwereti , rinogona kuonekwa se "chido," maererano neWarren naTiagi. Sei? Nokuti chikwereti chako chikoro chichave chakakanganiswa kana iwe usingabhadhari zvishoma. Nenzira imwecheteyo, kana kubhadhara kuripo kunoda $ 25 uye iwe unowanzobhadhara $ 100 pamwedzi kuti uchengetedze mari inokwanisika, iyo yakawedzerwa $ 75 haisi yezvinodiwa.
Danho rechitatu: Deredza "Wves" yako kusvika pamapera makumi matatu
Izvi zvinonzwika zvakakura pamusoro. Unokwanisa here kuisa 30 muzana yemari yako kune zvaunoda? Sawa, shangu dzakanaka, rwendo rwokuenda kuBali, mabiro emisasa, uye hotera yeItaly.
Kwete nekukurumidza. Yeuka kushingaira kwataiva nako nekutaura kwe "chido"? "Zvaunoda" zvako hazvirevi zvimwe zvekare. Zvinosanganisira zvinhu zvinokosha zvehupenyu zvaunonakidzwa nazvo, sezvinoronga zvirongwa zvemafaira ekutumira mameseji, imba yako kabhadharo, uye zvigadzirwa (kwete magetsi) kugadzirisa yemotokari yako.
Iwe unogona kupedza zvakawanda pane "anoda" kupfuura iwe unofunga. Chinhu chiduku chekupfekedza zvipfeko zvinoshuva inoda. Chimwe chinhu chinopfuura icho, chakadai sekutengesa zvipfeko panzvimbo yekutengesa panzvimbo pane pane zvishoma, zvinokodzera sekushaiwa.
Hongu, mitemo yakanyangadza, asi kana iwe uchifunga nezvazvo, inonzwisisa.
Nhanho Nhatu: Shandisa 20 Percent Pamusoro Pokubhadhara uye Kubhadhara Chikwereti
Iye zvino pamusoro pe $ 75 unowiripa pane iyo kadhi rechikwereti mwedzi mumwe nomumwe. Icho hachisi chokushaiwa kana chidikanwi. Ndiyo "20" mumutemo we50/30/20. Riri mukirasi rose rayo.
Iwe unofanirwa kupedza makumi maviri kubva muzana emutero wako mushure mekubhadhara mari uchibhadhara zvikwereti uye kuchengetedza mari muchikwata chako chekukurumidzira uye mabhuku ako ekurega.
Kana iwe ukatakura chikwereti chekwereti chekwereti , mubhadharo shoma ndewe "chidikaniso" uye inofanirwa kusvika kuma50 muzana. Zvose zvinowedzera ndeyezvezve chikwereti chekubhadhara, chinoenda kune iyi 20 muzana chikamu. Kana iwe wakatakura chikwereti kana chikwereti chemotokari , mari shoma ndeye "chidikaniso" uye chero kupi zvayo kubhadharwa ku "kuchengetedza uye kubhadhara chikwereti."
Muenzaniso weChirongwa cheA 50/30/20
Ngatitaurirei musha wenyu wekutora pamusha mwedzi umwe we $ 3,500. Uchishandisa mutemo we50-30-20, unogona kupedza mari inopfuura $ 1,750 pane zvido zvako pamwedzi. Iwe haungakwanisi kutenga mari ye $ 1,500-a-mwedzi kana kubhadhara chikwereti, kunyanya kwete kunze kwekushandisa kwako, kubhadhara motokari, zvishoma zvishoma pakadhi yemarikiti, mari yemishandiro yveshuwarenzi, nezvimwe zvidikanwi zvehupenyu hazvipfuuri $ 250 pamwedzi.
Kana iwe uchitova neimba yako kana iwe ukavharirwa muchikwereti, iwe wakanyatsogadzikana nemari iyo $ 1,500. Funga kuenderera mberi apo bvumirano yako inopedza kuita kuti bhajeti yako ishandiswe zvakare kana kutarisa pane imwe "zvido" zvako kuona kana pane nzira yaunogona kuderedza imwe yeiyo. Zvichida uchatenga inshuwarisi inodhura kana kutora chikwereti pane iyo kadhi rechikwereti kune umwe ane chidimbu chechikwereti kuitira kuti kubhadhara kwako kuduku kudonhe zvishoma. Chinangwa chenyu ndechokukwanisa kukodzera zvose izvi zvinodhura mu50 muzana yekutora-musha mushure mekubhadhara mutero.
Iwe unogona kupedza $ 1,050 pamwedzi pa "yako" inowanikwa kubva kune $ 3 500 iyo uri kuuya kumba kumwedzi wega wega. Iwe unogona kufunga kuita pasina zvinhu zvishoma uye kuchinja imwe yemari iyi kune "zvido" zvako kana iwe uchikwira pfupi ipapo-kwete kwete nguva dzose asi kusvikira unogona kuwana zvaunoda kusvika pane imwe nzira inotaridzika. Yeuka, iwe uchiri kuda 20 kubva muzana yakasara kuitira kuti iwe ugone kuchengetedza uye kubhadhara madhora ako maererano neurongwa hwe 50/30/20.
Iye zvino une $ 700 inosara, iyo yekupedzisira 20 muzana. Iwe unoziva kuti ungaitei nazvo. Kubhadhara pane chikwereti, chengetedza kune imwe nguva, uye uronga ramangwana rako.