Mazano uye Nzira dzekuderedza Dambudziko rekudzivirira Mari yako
Zvakadini iwe nemhuri yako?
Nzira dzakadaro dzinowanzoshandiswa nedzimwe sangano dzakanakisisa muUnited States uye pasi pose zvinogona kuita zvakawanda zvakakunakira iwe kana iwe uri bhangi akachena muPark Avenue kana mushandi wekuvaka muRust Bhanti. Hazvigoneki iwe wakambodzidziswa kufunga nenzira iyi kuchikoro chesekondari kana kunyange yekoroji, asi inguva yekutanga kutarisa hupenyu hwako, zvinhu, nemari yekutsvaga - zvose zvakashanda mari uye mari isina kufanira - sebhizimisi kuitira kuti uzvidzivirire kubva njodzi dzinotarisana nemararamiro ezuva nezuva.
Mamwe emashoko aya ave akatorwa kubva kuhutano hwangu hwekare uye nyaya dzekuchengetedza ngozi; yakarongedzwa kuti ipe humwezve, ruzivo rwakakosha pamusoro penyaya yekuderedza njodzi. Izvo zvisinganzwisisiki, ndakaedza kuwedzera pane pfungwa saka ndinofunga kunyange vaverengi venguva refu vepanzvimbo vachawana zvichibatsira.
1. Chengetedza Mari Yako Yakashata Yakaderera Sezvaunogona Kuenzanisa neCash Flow kuti Deredza Kuderedza Ngozi Yako
Ndakaita chirevo ichi kare uye ndinoda kuti iwe ufunge nezvazvo: Haisi chikwereti pane imwe iyo inopinza mumwe munhu kubhadhara, ndiko kusakwanisa kwavo kubhadhara.
Ndicho chikonzero ndakanyora nei Building Equity paZaka reZvividity Inogona Kutungamira Kuputsa uye Chidzidzo Kubva paSeptember 11 - Kukosha Kwekusvibiswa .
Taura zvakajeka, unoda huwandu hwehutano hwekushanda kwemashandi emari sezvinoitwa nekambani. Ndiyo mari yakasara paunotora zvose zvako zvepanyika uye uchibvisa zvaunenge uripo zvino .
Kuti uite izvozvo, iwe unoda kugadzira hurongwa hunokubvumira kuti uite mari shoma apo mari yako yekuyerera iri pasi uye mari yakakwirira kana mari yako yakawanda yakawanda. Ndicho chikonzero chekubhadhara mari yakadai, iyo yakadai pamari chikwereti chemotokari kana yekutengesa zvivako kunogona kuipa kana hupfumi kana misika inokurwisa iwe. Vanhu kana masangano kune avo kana kuti mune chikwereti chemari havanetse kuti kutengesa kunorega kana iwe wakarasikirwa nebasa rako. Vanoda kudzorerwa.
Chero nguva ipi zvayo iwe unofunga pamusoro pekuwedzera imwezve yezvokubhadhara zvakasimbiswa chikwereti chebhadharo yako, funga kwenguva refu uye zvakaoma. Kune imwe nguva, iwe uri kuwedzera zvishandiso iwe pachako uye kuderedza kushandiswa kwemari yako kushanduka. Pane zvakasarudzwa pamutemo uyu wekuti - panguva dzenguva dzekunyoresa-mubhadharo wemari , munhu akangwara angawana zvikwereti zvepamusoro zvekutengesa zvivako zvekutengesa kumitengo yakaringana yehuwandu maererano nekushamba kwemari, iyo inokwanisa kukwidza mavhiri nokukurumidza kana uye kana kuwedzera kwekuwedzera kwekuwedzera, kubhadhara mari yekuwana pamwe nekugara kwenguva yakareba, yakasimbiswa-kutengesa mari. Mune mamiriro ezvinhu, kuvhara muhuwandu hwekuda kwemashumi emakore ndeyemamiriro ekuchengetedza kwakanaka (kunyange zvingave zviri nani kutarisana nekutengesa kutenga nzvimbo yacho zvachose uye pasina chekubhadhara nacho zvachose).
2. Shandisa Mari Yako Kutenga Mari Inobatsira Kubudisa Mazairo, Kupedza Dambudziko Rako Nokuwedzera Mari Inosvika
Paunotarisa deta, varombo uye vari pakati peboka vanowanzova netsika yekutenga zvinhu zvinoderedza kukosha kwemazuva, uyewo zvinoda kuti upkeep uye kuchengetedza. (Ndakanzwa imwe yekubhadharwa kwekutsvaga kwekugadziriswa kwekugadziriswa quip kuti nguva inowanikwa mubhadhari anotora kutenga motokari itsva mushure mekugamuchira nhaka kubva kune aimbova mutengi inenge mazuva manomwe.) Kunyanya kuipa, vanowedzera kubhadhara zvikwereti, vozobhadhara mari yekutora isiri iyo mutero-deductible, iyo inonyanya kukosha kwe "kubhadhara" mari. Kunyangwe iri iyo motokari itsva inotaurwa pamusoro payo mujenya, mhando itsva yekutengesa pamutengo wekutengesa kune imwe rudzi rwekushandisa mari yakakosha, zvigadzirwa zvemvura, kana zvipfeko zvinodhura, izvo zvinotarisirwa kuti zvive nemari yemari zvinonyanya kukoshesa mari idzi pamusana pokubhadhara mari itsva mitsva yemari yegore negore .
Vangadai vatengi kutenga zvitoro uye mabheubles kupfuura zvikamu, chikwereti, nemari . Vapfumi vakazvigadzira ndevamwe. Zvidhori zvinouya zvechipiri, zvibereko zvinobudirira zvinotanga kutanga.
Mune mamwe mazwi, vapfumi vanoda kushandisa mari nekuchenjera kuburikidza nekutora chikwereti kutenga zvinhu izvo zvinoita, panzvimbo yekudya, mari. Vanokwanisa kukwereta mari yekuvaka kana kuwana motokari kushambidzwa kana kuchengetedza zvigaro, kwete motokari; kuvhura McDonald's franchise yemunharaunda kana kutanga bhizinesi rekugadzira, kwete firati-terevhizheni terevhizheni. Kwete iyo chete inofanira kuwedzera mukukosha kana yakarongeka zvakanaka, asi mari inofarira inonyanya kubhadhara mutero, zvichireva kuti inodhura ivo vasingakwanisi kukohwa! Makore mashomanana ekuparadzanisa uku, uye chikonzero chekuti vamwe vanhu vave vapfumi uye vamwe varombo vanova pachena. Izvo simba rekugadzira chibereko kufambisa zviduku zvishoma muhuwandu hwemashure pane nguva.
Funga nezvekutenga kumwechete - kombiyuta yemabhuku - mumwe akatengwa kune mudzidzi wekoroji kuenda kune rimwe basa uye mumwe akatengwa kugadzirisa zvido zvekugadzirisa kune imwe kambani. Vadzidzi vedu vekoljiji uye mubhengi wezvinhu zviviri vanotenga imwechete yehurumende uye inovatengera $ 2,000. Mudzidzi anozviisa pa kadhi rechikwereti uye anopedzisa kubhadhara $ 500 muzvibereko asati abvisa chikamu. Zvose mari: $ 2,500. Mushure mekutora mubhadharo nemitero yemari, angave achida kuwana mari inodarika madhora mazana matatu emadhora makumi maviri nematatu asati awana mutero. Kana akawana $ 8 paawa achishanda pamusasa muchitoro chezvitoro, izvo zvinoda maawa makumi maviri nemaviri ekushanda, kana zvishoma kudarika makumi maviri nemavhiki masabata.
Munyori wenhoroondo, kune rumwe rutivi, anonyora cheki inopesana nekambani yekwereti. Iye, zvakare, anobhadhara mari imwe chete ye $ 500 muchikwereti chemari yakazara ye $ 2 500. Kunyange zvakadaro, kombiyuta inoderedzwa uye mari yekutora yakanyorwa yakabviswa, ichideredza mutero wayo ne $ 750, zvichiita kuti mari inoshandiswa yemuchina $ 1,750 ($ 2 500 - $ 750 = $ 1,750). Zvinodhura anenge 50% zvishoma pamushandisi iwoyo, ane zvimwe zvakafanana, uye zvakafanana nehuwandu hwekuda, nemhaka yemhando yemutero wemitero. Zvisingatauri kuti kana mutori wenhau ari kukura bhizinesi rake, achave achiita mari yakawanda uye achiita mabasa, achiita kuti ave akapfuma. Ichi ndicho chikonzero vamwe vashandi vebhizimisi nevakadzi vanogona kunakidzwa nemararamiro ehupenyu hwakanyanya munguva yekukura kwebhizimisi ravo nokuti havazivi chaizvo kuti zvinhu zvinodhura zvakadini kana vaifanira kuzvitenga ivo pachavo. Mutungamiri akwegura muenzaniso wakakwana nokuti bhizinesi rinogona kupa mararamiro ehupenyu, sekuratidzira kune mahogany paneled office nevashandi vakagadzirira kukuunza kofi pose paunoda kana kuenda kuFrance kuJet Company, izvo zvinoda $ 20 + mamiriyoni ematare anokosha.
Ndanyora pamusoro pezviitiko zvisingaverengeki, asi zvakakosha zvikuru. Iwe hausi kuda kuvimba kune imwechete kana kunyange mitsva miviri yekuwana mari yako. Kana mumwe munhu akarasika, ivo neavo vanogara navo havawanzocheche mari nekukurumidza nokuti vanofunga kuti basa richava nyore kuwana (dzimwe nguva riri), vachivarega kuti vawedzere kune zvikwereti zvekadhi rechikwereti kana kuti kuisa muzvikwereti zvakawanda zvinoda kubhadharwa. Kungofanana neGener Electric, Berkshire Hathaway, kana PepsiCo, unoda mitsva yakawanda yemari kubva munzvimbo dzakasiyana.
Semuenzaniso, unoti iwe unoshanda mumagetsi ekudzivirira kwekambani yezvokuvakira zvekugara uye mudzimai wako mudzidzisi wechikoro. Ndiyo mitsva miviri yekuwana mari iyo isingabatanidzirwe (zvinoreva kana munhu akadziviswa, nhamba, zvisinganzwisisi ndezvokuti imwe ichagadziriswa asi kana iwe mose makashanda mumhizha yezvishongo munguva yekuderera kukuru, iyo inogona kunge iri yakanyanya kuwedzerwa). Zvino, chimbofungidzira kana iwe uinewo ice cream imire muguta. Iwe unogona kuchengetedza zvakawanda zvebasa kuburikidza nekuita basa iwe pachako uye panguva yekupisa, anogona kushandisa mwedzi mitatu yezororo kuti ashande shure kwekambani, kuchengetedza basa. Ndicho chechitatu chekuwana mari iyo haina chokuita nemamwe mabasa maviri. Pamusoro peiyo, iwe unotora zvose zvaunobatsira uye unotenga mubhadharo yakaderedzwa yemari yakaderera inoita 3% kusvika ku 4% mumari yemari gore roga roga, asi zvigadzirwa zvepasi zvinoramba zvichikura pamusoro penguva refu; iyo ichina chechina chemari.
Paunoramba uchigadzirisa mari yako pasi, uye shandisa kodhi yemitero iwe uchibatsirwa nekukwereta (kana zvichidiwa) nokuda kwemari inokonzera mari, kuunganidza kwemari yakasiyana-siyana inogona kukubatsira iwe kuvaka pfuma nekukurumidza. Ndizvo zvose zvaunoedza kuita kuti uwane upfumi - isa mari yako yakawanda kushanda - hapana chimwezve, kwete zvishoma. Sezvo mumwe munyori wezvemari akambotaura, izvo zviri nyore uye zvakaoma.
4. Ramba uine njere dzakanaka dzehushuwarenzi
Kunyanyisa inshuwarisi inogona kukudhura iwe mamiriyoni muupfumi hwekupedzisira nokuti iwe uchaguma uita kambani ye inshuwarisi uine nzvimbo panzvimbo yekuvaka yako podfolio. Kune rumwe rutivi, inishuwarensi shoma kana kuti isina yero inogona kukusiya iwe yakaparadzwa panguva chaiye apo iwe uri munjodzi yakawanda. Ndicho chikonzero kusanganiswa kwehupenyu hwehutano, hutano, hurema, uye vamwe kutokakavhiringidza mari yekubhadhara mari inishuwarenzi inogona kuva chikamu chakakosha cherongwa hwako hwekugadzirira.
Pamusoro pehurukuro iyi, unofanira kuongorora mune imwe nzvimbo yakakosha. About.com ine ruzivo rwehuwandu hwehushuga kune vanhu nemabhizimisi saka ndinokukurudzira kuti uone rusununguko rwemashoko nemamwe mazano edu.
5. Usatora mapepa ako ekurega basa nokuda kwechikonzero chipi nechipi chinetso chehutano
Izvi hazvisi nguva dzose dzechokwadi, asi kune chikamu chikuru, iko kukanganisa kwakaipisisa kuisa muakaunti yako yekurega basa kuti ubhadhara zvikwereti nokuti paunenge uchida kuzivisa kubhadhara, madare edzimhosva achakubvumira kuti uchengetedze chikamu chikuru chezvauri iwe ' Iva kuisa parutivi kwemakore ako endarama. Usingarevi kuti chero kuregera kunenge kuchida kubhadharwa zvakanyanya uye kutora chirango kubva ku IRS.
Icho chikamu chezvinondinetseka pamusoro pekunze kwechikwereti chekwereti. Vanhu vanogona kunyatsoedzwa kuti vabhadhara mari yavo ye 401k kana yeIRA kuti varambe vachibhadhara mari yekugara kwavo. Kana vasingakwanisi kuzvibudisa kunze kwehutano, kana kuti vakagumburwa nekumhanya kwematambudziko akadai sekurasikirwa nebasa, ivo zvino vakaderedza mambure avo anokosha zvakanyanya, vakatamisa chikamu chiduku cheupfumi hwavo kuHurumende yeHurumende, uye vasati vasara vakaputirwa pasina, kana kuti zvishoma, kune zita ravo.
Kudai vakagadzirisa dambudziko racho neruzivo rwepamusoro, vangave vakakwanisa kuponesa chikamu chikuru chemari yavo kunyange kana vakarasikirwa neimba yavo. Izvozvo zvingaita kuti zvive kure, zviri nyore kutanga kutanga uye ndizvo zvaunofanira kuva nehanya nazvo kana iwe ukambosvika pane iyoyo. Sezvo vazhinji venyu pasina mubvunzo muchayeuka mazwi ekusingaperi Ishe Koopa (Bowser), muvengi waMario makore makumi maviri akapfuura paakatanga muUnited States uye gare gare akava nehuterevhizheni kuratidza: "Iye anorarama kuti atize upenyu kurwisa rimwe zuva. " Zano rimwechete raizobatsira vanhu vazhinji vanotarisana nenjodzi zvakanaka.