Hapana Chei-Kukura-Kunokodzera-Yese Murairo wekubhadharisa
Nhaurirano yedu yehutano ndeyokuti hapana chinhu muhupfumi hwemunhu mumwe chete-ukuru-hunofanira-zvose. Pane nzira dzakawanda dzekugadzirisa bhajeti , uye iwe unofanirwa 1) dzidza nezvemaitiro akasiyana-siyana uye 2) sarudza nzira inonyatsokodzera unhu hwako, zvaunofarira uye zvemari.
Ndokusaka inonzi "munhu" wepfuma.
Hezvino zvikamu zvezvizhinji nzira dzamunogona kugadzirisa:
Nzira yeChechi
Nzira yekugadzirisa mari ndeyekutarisa mari yako. Uchaona zvakawanda zvekushandisa kwako nekuongorora mabhodhi ako ebhangi uye zvinyorwa zvekadhi rechikwereti mwedzi mumwe nomumwe; apo iwe paunenge uchibhadhara mari, chengetedza mari iri pasi pekambani .
Pakupera kwevhiki imwe neimwe kana mwedzi, chengetedza mari yako kuti uone kuti yakawanda sei mu "chikamu," chakadai sokubhadhara / kubhadhara, zvishandiso, inshuwarisi, varaidzo, gesi, zvekudya, mbatya, mazamu, kutarisira mhuka nezvakadaro. Aya mapepa acho ishandiswa yakanaka inogona kukubatsira iwe kuzviita.
Zvakare, iyi ndiyo nzira yemararamiro, asi haisi iyo "nzira yakarurama" iwe. Pane zvakawanda zveimwe nzira.
Iyo nzira 50/30/20
Iyi nzira yebhajheji yakanaka kuvanhu vasingadi kutevera imwe neimwe, asi vachiri kuedza kuve nechokwadi kuti vari kutsaurira mari yakakwana yekuchengetedza uye kubhadhara chikwereti.
Maererano netsika 50/30/20, 50 muzana yemari yako yekubhadhara pamusha inofanira kuendeswa kune "zvinodiwa," 30 kune "kuda," uye 20 kune kuchengetedza uye kubhadhara chikwereti.
(Verenga zvakawanda: Chii chirikusha uye chii chinodiwa? )
Ngatimbofungidzira kuti iwe hausiwo unofarira kutevera dhora rega rega, asi iwe unofunga pfungwa yekutevedzera nzira 50/30/20.
Heino nzira yakajeka yekuzviita:
Chokutanga, zvinongorongedza 20 kubva muzana yemari yako yekubhadhara pamusha muakaunti yekuchengetedza. Tanga nekuchengetedza - izvi zvinonzi "kuzvibhadhara iwe kutanga." Ita wekutsvaga kutengesa pazuva rebhadhiro iyo inotora pakarepo mari kubva pamari yako, kuitira kuti usambozviona. Gurai mari iyi muchibatanidzi chekurega basa uye kwete marenda epamberi.
Nemuenzaniso, unogona kuisa parutivi 5 muzana mubhuku rekuchengetera iro rakarongerwa " kuita mutero wemotokari kwandiri ," 5 muzana muakaunti yekuchengetedza iyo yakagadzirirwa pamusana pokubhadhara pamusha , uye 10 muzana mune 401k yako. (Tarisiro iwe unenge uine mukana wokushandira uyo unowedzera mamwe mazana 3-5 muzana).
Chechipiri, chengetedza zvese zvako "zvido" zvinyorwa zve mwedzi. Chengetesa chikwereti chako, zvishandiso zvako, wepafoni yako yepafoni, kubhadhara motokari yako. Kana zvikwereti izvi zvisina kukodzera zvakadaro, shandisa mari yezvikwereti izvozvi mune imwe nhoroondo yekutarisa yaunoshandisa kubhadhara chete "zvido zvako." Kana iwe une zvimwe zvido zvaunofanira kubhadhara muzvikwata zviduku mumwedzi wose, kufanana negoroli, kuisa pamwedzi mari yakawanda yemari mune iyo nhoroondo yekuongorora, zvakare.
Chinhu chipi zvacho chakasara chinogona kushandiswa pa "anoda" sezvitoro, mafirimu, mitambo, mbatya neshangu dzausingadi chaizvo, uye zvigadzirwa zviduku zvakadai sekushambidza motokari, kushandiswa kweimba, TV cable, uye salon haircut.
Kana iwe ukanyora nhamba uye ona kuti mari inowanika kupedza pa "anoda" iri pasi pe30 muzana, iwe uchaziva kuderedza "zvido zvako." Kana pasina chimwe chinhu, mari yako yaunotarisira haizotambudzi, nokuti iwe wakabhadhara mune izvo chekutanga.
Ponesa, Zvadaro Tora
Heino inguva yakagadziridzwa ye nzira 50/30/20: apo iwe unobhadharwa, zvigadzirire pachedu imwe purogiramu mukuchengetedza. Makumi maviri kubva muzana iwe unofanira kuchengetedza, asi unzwe wakasununguka kusarudza nhamba huru. (Kufara chokwadi: Sir John Templeton, muvambi weTempleton Investments, anonzi akachengetedza makumi mashanu kubva muzana yebhadharo yake yekubhadhara pamba paakanga achiri muduku uye achangobva kubuda, uye akawedzera imwe yegumi kuchechi yake.)
Mushure mekunge makabhadhara mari yenyu, shandisai zvimwe. Usanetseka pamusoro pezvipi zvikamu zvauri kushandisa, uye usazvidya mwoyo pamusoro pei "bucket" mari inowira mukati.
Iva nechokwadi chokuti uri kuchengetedza mari yakakwana, uye unonzwa wakasununguka kushandisa zvese sezvaunofarira.
Nguva dzose chengetedza zviyero zvako kuti uone kuti une zvakakwana kuti upinde mumwedzi wose, uye gadzirisa sezvinodiwa kana iwe usingaiti. Mushure memwedzi mishomanana yeizvi, uchawana hombedzwa yekugara uchirarama mararamiro anowirirana nemari yako yaunowana, kuderedza mari yaunenge waisa pane imwe nguva pakutanga kwebhadharo.