Kudzidza Mari YezveMari muChishanu Inogona Kubhadhara Zvikamu
Chikoro kurarama chinhu chinonakidza uye chakaoma kune vadzidzi vakawanda. Kufamba kubva kuna amai nababa, kurarama uri woga (kana newaunogara naye), kuzviitira zvisarudzo uye kugadzirisa zvemari yako ndezvishoma zvezvigwagwa zvauchasangana nazvo. Kuva nepurogiramu munzvimbo yakatarisana nekunamatira pane chirongwa ichocho zvakanyanyisa sezvinobvira kunogona kubatsira kuve nechokwadi kuti iwe unopona shanduko nekusanyanya kudzvinyirira kunogona.
Hezvino ndiyo nzira yekuita kuti uwane sheyo yakasimba yehupfumi panguva yekoroji yako makore.
Mari uye mari
Imwe yenhanho yekutanga uye yakakosha yekugadzirisa kubudirira mari semudzidzi wekoljiji ndeyekunzwisisa zvikwereti zvako. Zvichida iwe hauna kumbofanira kuronga mari yako pachayo usati wagara nevabereki vako hupenyu hwako hwose. Zvinogona kuuya sekutya kukuru nguva yokutanga yaunotarisana nechokwadi chinotyisa kuti kune mireho pane zvaunogona kushandisa. Asi, iwe unogona kuderedza kuputika nekudzidza zvinyorwa zvebhajeji.
1. Kugadzira bhajeti . Bhijeti ingori chirongwa chekuti iwe uchashandisa sei mari yako mwedzi mumwe nomumwe. Kuti uite bhadha yako yokutanga mukoroji, tanga nekunyora mazita ezvigadziriswa mari yako, zvakadai sebhadha, chikoro, mabhuku, mari yemari, zvishandiso uye zvokudya. Zvadaro, nyora mararamiro ehurukuro dzako dzakadai sezvokupfeka nekuvaraidza. Kana iwe usingazivi zvaunoshandisa munharaunda idzi, ungada kuenzanirana nebhangi yako yebhangi kuhurongwa hwebhajeti kuti uone zvaunotenga.
Kusvikira iwe uchiziva kuti mari yako yedzimwe mwedzi ndeipi, iwe uchava nenguva yakaoma kugadzira bhadharo chaiye yekushanda nayo. Wedzera zvose zvako uye kushandisa kwekushandisa pamwe chete, ipapo kubvisa izvo kubva pane zvaunowana kuti uite bhajeti inokosha.
2. Dzidza kurarama mune zvaunogona. Bhizimisi inokubatsira kuti uone zvaunoshandisa kuitira kuti urege kudzika mune chikwereti kuti uchengete mararamiro ako.
Sevadzidzi vekoljiji, mabhizimusi anodhura, kubuda neshamwari dzako uye kudya kunze kakawanda pavhiki zvinenge zvichizova chinhu chekare. Iva nechokwadi chokuti uri kusangana nemari yako yezvemari usati watanga kupedza zvinhu zvisinganyanyi kukosha kuti iwe upone. Yeuka, koreji ingangove yava nguva yehupenyu hwako apo iwe uine mari shoma shoma, saka iwe unofanirwa kuva wakagadzirira kuita zvimwe zvibayiro.
3. Edza kudzivisa kuunganidza chikwereti chero nguva zvichibvira. Chikwereti chinogona kukurumidza kukura uye chinogona kukuteverai kwemakore kudarika chikoroji. Chengetedza kadhi rimwe chete rechikwereti pane zvenguva yakaoma, asi edza kudzivisa kushandisa iyo chero chinhu chisingafaniri kunyatsokosha. Kana iwe uchizoshandisa chikwereti nokuda kwekutenga, chengetesa izvo zvaunogona kubhadhara zvakakwana mwedzi mumwe nomumwe. Izvi zvinogona kukubatsira kuti urege kuchengetedza zvikwereti uye zvinogona kukubatsira iwe kukura chikwereti chako.
Kugadzirira Ramangwana
Hazvina kumboitika nokukurumidza kuti utange kuponesa mari yekukurumidzira, kuisa mari pamari yekubhadhara pamusha kana kuti kufunga nezvekurega basa. Kunyange kana iri duku, taura $ 25, kuisa zvishomanana nebhadharo rega roga rinotanga kuunganidza nguva yakawanda uye kukupa chikwata chakakosha kana iwe ukaiswa panzvimbo yaunoda.
Zvakaitika muupenyu hwako iwe unotanga kuponesa, zviri nani kubva iwe paunosvika pakuva nemari yakachengetedzerwa kwezvinhu zviduku zvinokonzerwa nemari uye mari huru muhupenyu, kusanganisira kubhadhara .
Usati uwire mumusungo wekufunga iwe unogona kungoita kusvikira iwe wapedza kudzidza uye kuwana doro rako basa risati watora mari yako zvakanyanyisa. Hupenyu hausi nguva dzose huchiita sezvinorongwa uye nguva ndiyo iyo yako yepamusoro pfuma pazvinouya pakuponesa mari. Kunyange kana zvisingaoneki sezvishoma zvishoma pavhiki iwe uri kuchengetedza mujijiji yakawanda, iwe uchazvionga iwe wapedza kudzidza. Uye kana iwe uchitanga basa rako rokutanga, unogona kuramba uchiwedzera kuwedzerwa kwako nekugadzirisa bhajeti yako kuti iite nharo ye ((tarisiro) yepamusoro mari uye kubhadhara mari yevashandi, sa 401 (k) hurongwa .
Kutarisira hupenyu hwehupenyu hunoshandiswa uye kuedza kuchengetedza nekuda kwezvinangwa zvako zvepfuma kwenguva yakareba mabasa akaoma kuvanhu vazhinji, kwete vadzidzi vekukoroji.
Kuzviisa iwe somunhu mukuru ane hutano pazera duku kuchabatsira kuti uise nheyo yekusasa mune ramangwana rakachengeteka.