Zvakakosha kuisa uye kusvika kune zvinangwa zvemari. Chirongwa chezvemari kwenguva refu chichakubatsira kuti usvike kune zvinangwa zvako zvekugara kwenguva refu uye kukupa chinangwa chezvinangwa zvako zvenguva pfupi. Iyo inogona kukubatsira iwe kurega kuita zvisarudzo zvemari zvichibva pane kutya uye kukubatsira kuti uone kurongeka kwezviito zvako zvehupenyu hukuru . Iri urongwa huchasiyana kubva kune mumwe munhu kune mumwe munhu uye mupi wezano wezvemari anogona kukubatsira kuti ugadzirise urongwa, kunyanya kana wagadzirira kutanga kuisa mari. Kana iwe wanyatsobudirira kutevera urongwa hwako iwe ungada kufungidzira kudzorera kuburikidza nemipiro kana kuzvipira. Zvirongwa zvako zvezvemari zvichakubatsira iwe kuita sarudzo dzakanakisisa dzemari , saka iwe unogona kuzvigadzirisa kuti uwane mari nekushandisa chaizvo mari yako .
01 Budget Inobatsira
Kunyange zvazvo bhajheti inogona kuratidzika kunge yakawanda yebasa kana kuti inonyanya kukosha paunofunga nezvekugadzira hurongwa hwemari kwenguva yakareba, ndicho chinhu chinokosha kune, chaiyo yehupfumi kubudirira. Mari yakanaka ichagadzirira kuita imwe nhanho yemari kana ichiuya. Iwe unofanirwa kuva nebhadharo yemwedzi uye yegore negore kuitira kuti basa iri ribudirire.
Hazvina basa kuti unoita mari yakawanda sei, iwe unogona kushandisa nguva yakawanda kupfuura iwe waunowana. Bhadharo ndiyo yako yakanakisisa yekushandisa kutora mari yako. Icho chinhu chinokosha kukubatsira kuti uchinje ramangwana rako remari. Kana uchida rubatsiro rwekubhadhara, iwe unogona kushandisa software kana nzira yemavhutuku kuti ikubatsire kudzora mari yako uye kuwana mari yekukubatsira nedzimwe sarudzo yako yemari.
02 Kubvisa Chikwereti Chako
Danho rechipiri nderekubuda mune chikwereti. Izvi zvinokosha nokuti hazvina musoro kuti uchengetedze kana kuti uite mari apo iwe uri kubhadhara chikwereti chakakwirira pane mari yaunokwereta kune vamwe.
Kubuda chikwereti kunotora chirango, asi zvinobvira. Kana iwe uine chikwereti chakawanda iwe unoda kunyatsopedza kushandisa mari yako uye kuwedzera mari yako kuti ubhadhara chikwereti iwe nokukurumidza. Iwe unofanirwa kuisa chikwereti chako pane izvi kunze kwekutanga kwako kutora pamba pako.
Kana uchinge usina chikwereti, iwe unofanirwa kugadzira hurongwa huchakubatsira kuti usapinda mune chikwereti zvakare. Izvi zvinoreva kusarudzira mari yekutenga kukuru sekufanana nemotokari yako uye kutakura huwandu hwakakwana hwe inshuwarisi kuitira kuti usazotora chikwereti chechiremba chisingatarisirwi. Nyatsofungisisa imwe neimwe yezvisarudzo zvezvemari uye rega kushandisa makadhi ako ekwereti .
03 Gadzira an Emergency Fund
Kana uchinge usiri chikwereti iwe unofanirwa kuvaka dambudziko rekutsvaga kwemwedzi mitanhatu inotora mari yaunobva mubhangi. Ichi chikwata chichakubvumira kusiya mari yako iwe pachako kana iwe ukawira panguva dzakaoma. Inofanira kungoshandiswa pamamiriro ezvinhu epanguva pfupi yakadai sekurasikirwa kwebasa, uye yakagadzirirwa kuchengetedza mari yako nekuchengetedza mari.
Kana iwe uchinge wapinda muchikwata chenyu chekukurumidza iwe unofanirwa kuisa pfungwa pakudzosa kuchikwereti chakazara nekukurumidza sezvinobvira. Kana uine basa risina kugadzikana, unogona kufunga kuchengetedza mari yegore.
Kana uri kusika urongwa hwako hwemari usati wabuda mune chikwereti, unogona kuisa mari shomanana yemari ye $ 1 000 kana imwe yemwedzi yemari inofanira kukubatsira kuti uvhare mari dzakawanda dzisingatarisirwi. Izvi zvichakubatsira kuti uende mberi nekubuda kunze kwechikwereti uye kudzivirira iwe kuwedzera mamwe chikwereti.
04 Kuchengetedza Ramangwana
Mushure mekunge maita kuti iwe unofanira kushanda pakuvaka yako yekurega uye kuchengetedza mari. Vakuru vezano vezvemari, vakadai saDave Ramsey, vanokurudzira kuisa 15 kubva muzana yemari yako yakawanda muhutano hwegore negore. Zvisinei, kana uine zvinangwa zvekurega basa iwe unogona kuwedzera kuwedzera ichi.
Iwe unofanirwa kutaurirana nemari wehupfumi uyo anogona kukubatsira kuti uone chiyero chaunoda kuti uwane kukwanisa kuenda kumusha zvakanaka. Iwe unogona kushandisa yako 401 (k) kubasa sechikamu cheurongwa hwako, asi iwe unofanirwawo kushandisa Roth IRA nezvimwe zvigadzirwa zvekutsvaga kuti uwedzere mari yako.
Mukuwedzera pakuchengetedza kubhadhara, unofanirwa kutanga kuronga nekuchengetedza mari yemangwana sekudzidzisa kwevana vako kana kubhadhara kweimba kana iwe usati watenga imwe. Iwe unogona kunge uchifunga nezvekurota kweimba yezororo mune ramangwana kana kuti kubvisa mberi kune yakasikwa. Zvose izvi zvinotora nzira yakasiyana yekuchengetedza uye yekutsvaga mari pane inowanzoita mari yekuchengetedza mari. Zvisinei, ichi chikamu chinokosha cherongwa hwako hwemari.
05 Invest and Diversify
Kana ukangobhadhara kudiwa kwako pamakosheni ako ekurega basa iwe unogona kushandisa zvimwe zvishandiso zvakadai sekubatana kwemari, annuities , kana nzvimbo yekutengesa kuti uwedzere mari yako yekushambadzira. Zvakakosha kusiyanisa marudzi ako emari. Kana iwe uchigadzikana uye uchenjerera nemari yako, iwe uchasvika pane imwe nguva apo iwe wekutsvaga kwekuita uine mari yakawanda kupfuura iwe. Ichi chinhu chakanaka uye iwe unofanirwa kunge uine izvi munzvimbo iyo iwe uchirega basa.
Sezvaunoswedera pedyo nekurasa, unoda kuchinja nzira yaunoshandisa nayo. Zvakakosha kuva nemari yakachengeteka iyo isingazove yakakanganiswa nemusika uchikwira nekudzika. Nenzira iyo iwe uchave uine mari yaunoda kana hupfumi huchiputsika, asi iwe paunenge uchiri muduku, uchava nenguva yekuti misika iwanezve. Kana uchida rubatsiro neizvi, mupi wezano wezvemari anogona kukubatsira.