Une chikwereti here?
Saka ma80% eAmerica, maererano nePew Charitable Trust. Izvo zvikwereti zvinogona kuuya nenzira yechikwereti chekubhadhara chikwereti (44%), kadhi rechikwereti chikwereti (39%), motokari yemotokari (37%), vechikwereti vechikoro (21%), kana kusanganiswa kwevamwe kana zvese pamusoro apa.
Apo Federal Reserve yakawedzera chido chekuda muDecember, iyo yakafanotaura zvakare kuti paizove nehumwe huwandu hwehuwandu hwekuwedzera muna 2017. Izvozvo zvichaita makadhi ako ekwereti, HELOCs, uye chero ipi zvayo yakasiyana-siyana-chikwereti chaunotakura - pamwe chete chero ipi zvayo mari itsva yaunokwereta - inodhura mari mumwedzi nemakore anotevera .
Icho chinoreva nguva yekuenda kushanda pane chikwereti chako ikozvino.
Kana iyi ndiyo nzira yawakaita chete kuti iwe usakundikana, usavimba netariro. Chinhu chokutanga chaunoda kuita ndechekuchinja tsika yako yekubhadhara zvikwereti sezvavanouya kune imwe yaunotora mari inotsvaga, inotsanangura Sarah Newcomb, nyanzvi yezvematongerwo enyika pa Morningstar. "Zvishoma iwe unofanira kufunga nezvazvo, zviri nani," anodaro.
Asi iyo inongova danho rimwe chete pakuona kubudirira kwako. Heano mimwe miitiro inofanirwa kuputsa uye kutora kuti utange rwendo rwako kune rusununguko rwemari.
Tsika: Kwete Kufunga Nezveramangwana
Newcomb yakaona kuti chimwe chezvinhu zvikuru zvinokonzera chikwereti chikuru-kusvika-kuwana mari isingashiviriri , izvo zvinogona kutungamirira kubhadhara chikwereti pane zvaunotenga. "Chokwadi ndechekuti iwe unorega kushivirira, iyo yakasimudza mutengo wauchabhadhara zvinhu zvose," anodaro. Mukutsvakurudza kwake, anobvunza vanhu pamusoro pemafambiro avo emari kana zvasvika kune zvinhu zvakadai sekutarisa mari, kuchengetedza bhajeti, kutevera mari, kubhadhara chikwereti, kuchengetedza, nekushandisa zvishoma kudarika zvavanowana.
Zvaanowanikwa ndezvokuti apo paanobvunza vanhu ivavo kusvika kure mune ramangwana vanowanzofunga kana kuronga, pane kuwirirana kwezvakawandisa: Avo avo vanowanikwa mune ramangwana vari nani pakugadzirisa mari yavo. Kuwana ikoko kunokwidza miganhu yakawanda yevanhu, kusanganisira makore, mari, uye dzidzo, anodaro.
A
Shandura: Zvibvunze zvaunoda kuti mari yako ikuitire iwe gore rino, mumakore mashanu uye gumi. Chinokosha kuzviita zvakananga - somuenzaniso, panzvimbo yekufunga "kurega basa," funga nezvemafambiro aunoda kutora kana imba chaiyo yaungada kugara nayo.
Tsika: Kubatana-Kuvhima Kwemitambo
Zviri nyore kunzwa sokuti iwe uri kuchengetedza mari paunotenga chimwe chinhu chiri kutengeswa - kunyanya kana mutengo wepakutanga kana muzana kubva iwe nguva dzose unoridza hwamanda kwauri. Asi dai iwe usati wagara uchigadzirira kutenga chinhu ichocho, hausi kuponesa chero chinhu.
Uye dambudziko guru nderokuti: "Vanhu vanopedza mari yakawanda pavanenge vachienda kundovhima," anodaro muongorori wezvokugadzira zvemagetsi Kit Yarrow, uyo akaongorora tsananguro iyi. "Vanhu vanove vakapindwa muropa kune iyo inofadza yezvavanofunga kuti inokunda, zvavanofunga kuti iri kuponesa, izvo zvavanofunga kuti zviri nani nemari yavo," anodaro Yarrow.
Shandura Izvo: Usati wazvitenga, kumirira kusvikira uchida chimwe chinhu chaicho. Zvichiri nani, usatenga chero chinhu chisina kuiswa pakatarisa mapepa. Yarrow anoratidzawo kusabvumirana kubva kune rimwe zuva rekutengeserana uye mutengesi emaimeri, sezvo ivo vachikusimbisa nguva dzose kuti uone zvikwata-zvinogona kutora huwandu hwakawanda hwekuda kurwisa. (Unroll.me chinhu chakanaka chekuchenesa bhokisi rako rekunyora uye kusazvinyora kubva pane zvinhu zvakadai.)
Tsika: Kufunga Kuti Hauna Simba
Ndeupi wezvinyorwa izvi zviviri unobvumirana nevakawanda?
a) "Ini ndinogadzira fuma yangu yemari."
b) "Mari yangu yakawanda inotungamirirwa nemasimba ekunze."
Kutsvaga kweNewcomb kunoratidza vanhu vanotenda yekare - pasinei nemari, mari, makore uye zvimwe zvinhu - ndivo vatungamiri vari nani vemari yavo, chikwereti, uye kuchengetedza. "Iwe hausi kuzochinja maitiro ako kusvikira wachinja mafungiro ako," anodaro. Izvozvo hazvisi nyore, asi hazvibviri.
Shandura: Kudzokorora chinhu chikuru. Kwira ne mantra, sokuti, "Mari yangu, zvandinosarudza," kana "Kana ndine pfuma yangu, ndine hupenyu hwangu." Zvadaro taurira iwe mangwanani ose sezvaunotarisa mugirazi. "Patinofunga nezvekuti nei tichipinda muzvikwereti, kazhinji haisi kungova nehupenyu-hunova hune manzwiro-nehupenyu, uye nzira iri nyore yekuzvinzwa zviri nani ndeyokutaura nesimba raunayo muupenyu hwako hwemari."
Tsika: Kuronga Instant Gratification
Zviri nyore kushandisa mari muzera remhepo, uye teknolojia yekubhadhara mafaira seApplePay uye Android Pay yakangoita kuti zvive nyore. Ndicho dambudziko, nokuti rinobvisa chikamu pakati paunosarudza kutenga chimwe chinhu uye paunenge uchiripa. Nguva iyoyo inokosha - uye, sezvakataurwa na Yarrow, hazvibviri kutora zvakawanda zvacho. "Kana vanhu vakangopedza maminitsi mashomanana vasati vatenga iyo, ndinokuvimbisai kuti vachaponesa mari," anodaro. Saka tora mamwe maawa mashanu, kana maawa makumi mana, kana mazuva maviri.
Shandurai: Siya chinhu chiri mumotokari yako, kana mupfungwa dzako, uye ona kana iwe uchiri kuda iyo mushure mekunge firiji yako yapiwa. Usayeuchidza nhamba dzekadhi rechikwereti kana kubvumira mawebhusayithi kuti avachengetedze iwe. Uye iwe paunosarudza kutenga chimwe chinhu? Tarisa pane marwadzo ekurasikirwa muwedzere kune mufaro wekuwana. Kunyange zviri nani, paunenge uchitenga, kupinda mumutsika kuchinja mari muawa yebasa zvinotora iwe kuti uwane mari.
NaHayden Field