Bank Accounts
Imwe yemibvunzo yekutanga mibvunzo ichangobva kuroorana inofanira kukumbira nzvimbo pavanhoroondo dzavo dzebhangi. Unofanirwa kuchengeta zvinyorwa zvakasiyana here , kana kuisa zvinhu zvose mubhuku rakafanana? Kana, iwe unofanirwa here kuve nekubatanidzwa kwemajoni uye akaparadzanisa zvinyorwa? Chero chipi zvacho chaunosarudza, ichi chinhu chinonyanya kukosha kutarisana sezvaunotanga hupenyu hwako hwewanano.
Pane dzimwe zvikonzero zvakanaka zvekutarisa kusanganiswa kwezvikamu zviviri zvekubatana uye nezvevanhu. A joint joint should be used for family expenses: the mortgage or rent, utilities, bills, grocery, and so on. Imi mose munogona kuwedzera mari munyaya ino kuitira kuti mumwe nomumwe ave neropa rekubhadhara kuchengetedza imba yako. Mukuwedzera, mumwe nomumwe wenyu anofanira kunge ane munhu discretionary account yekushandisa mari yake, kana mari inofadza. Izvi zvinogona kubatsira kuti zvinyatsogadzirisa zvinhu kana zvasvika pamabhiriro, asi zvakare zvinobatsira kuchengeta mari yako pachako-kutarisa pasina kukuda iwe kuregeredza rusununguko rwemari.
Kuumba Budget
Hazvisizvo chete zvakakosha kusarudza nzira yekugovera mari yako kubhangi, asi ino ndiyo nguva yekuita zvakakosha pamusoro pokugadzira bhadha yemhuri . Wemudzimai wenyu mutsva angangodaro ari kuuya nehupfumi kana zvikwereti mumba. Vangadaro vanogonawo kushandisa miitiro yakasiyana zvachose neyako.
Kana iwe waive uchishandiswa kugadzirisa bhadha, kuwedzera kune zvidimbu zvepashamba yemari yako pasina mubvunzo ichachinja bhajeti idzva .
Tora nguva yekugara pasi newawakaroorana naye uye tarisa paunounganidza mari yako yakabatana. Ndezvipi chikwereti chauchawana ? Ko mari yako inowirirana sei? Iwe unogona kuchengeta zvakawanda sei? Unogona here kuwana nzira dzekubatanidza mari, sekushandura kune imwechete yefaira yefoni? Pane here mari inogona kubviswa zvachose? Kupindura mibvunzo iyi pamwe chete kuchakubatsira iwe kukudziridza bhajeti chaiyo yehupenyu hwako hwewanano.
Kuronga kwezvisingatarisirwi
Iye zvino zvawakaroora, iwe uchazofanirawo kuita zvisarudzo zvinokosha pamusoro peinishuwarenzi uye kugadzirisa nzvimbo . Kana mose muri kushanda uye makavharwa neurongwa hwehutano kuburikidza nemushandi, zvakakosha kutarisa kuti chirongwa chichave chakakosha zvikuru. Semuenzaniso, mumwe anoronga mapurogiramu akaderera here kana kuti sarudzo yakakura yechiremba? Chirongwa chemukaro wako chinobata pamuviri kana mamiriro ekutenderera ayo chirongwa chako hachiiti? Kuroora ndeimwe yezviitiko zvehupenyu zvinokubvumira kuti uchinje sarudzo yehutano yehutano pasina kumirira nguva yekunyora yakasununguka , saka shandisa nguva ino nokuchenjera.
Mukuwedzera kune inshuwarhu yehutano, iyi ndiyo nguva yakanaka yekukurukura inshuwarano yehupenyu .
Kana usina kuroorwa uye usina vana, pangave pasina zvishoma zvingoda inshuwarisi yehupenyu sezvo pasina munhu anovimba nemari yako asi iwe. Kana iwe ukaroorana , unofanira kufungisisa zvaizoitika kana wako wako akasiyiwa kuti atsigire imba yako oga, uye funga kana kana kwete inshuwarano yehupenyu ingakodzera. Kurasikirwa kamwe kamwe kwemari kunogona kuparadza mhuri. Kunyange kana vana vasati vasiri mumufananidzo, inshuwarisi yehupenyu inogona kubatsira nekubhadhara mari yekuviga kana zvikwereti zvaunosiya shure, zvakadai semari chikwereti chevadzidzi kana chikwereti.
Retirement Planning
Kana uchinge uine hutano hwako uye inshuwarano yehupenyu inobatsira squared, iwewo unoda kutarisa kune vako vanobatsirwa pamarongwa epamberi ekurasira , pensions, IRAs uye chero ipi zvayo yaunogona kuva nayo. Kana iwe ukagadzirisa vanobatsirwa pane zvinyorwa izvi, unogona kuva nechokwadi chokuti zvinhu zvako zvinodzingwa zvakanaka kana uchifa.
Usakanganwa kushandisa zvinyorwa zvakasiyana-siyana zvekurasikirwa zviripo kuti zvibatsire kutora mamiriro ako emutero. Icho chinosanganisira mushandi wekambani 401 (k) kana imwe sarudzo yakakosha-yakarongeka, pamwe chete nemadzitateguru uye Roth mabhesi ekurega basa. Nemari miviri, inogona kuva nguva yakawanda yekutanga kuponesa nekuda kwekurega basa uye kuchengetedza mari pamitero panguva imwe chete.
Taura Nezvo
Chinokosha pakugadzirisa mari zvakabudirira mumuchato ndiko kukurukurirana kwakanaka. Vakaroorana vakawanda vanoona zvakaoma kutaura nezvemari, uye izvi zvinogona kutungamirira kumatambudziko pasi pomugwagwa. Unogona kuyeuka kushungurudzika kwokuti mari inogona kukonzera kana usina kuroorwa, saka fungidzira kuti zvinodedera sei kana iwe wakaroorwa.
Usarega matambudziko maduku kana kufunga kunowedzera kuva matambudziko makuru. Kubva pamavambo, ivai vakasununguka kune mumwe nemumwe uye taura nezvemari yenyu inonetsa. Kana mumwe wenyu ari kuunza chikwereti chakakura mumuchato, musazvivanza. Iva akatendeseka uye uuye nechirongwa chokuripa. Hapana vanhu vaviri vane maitiro akaenzana kana achiuya pamari, kutaurirana kwakasununguka kuchabatsira kuziva izvo zvinokosha kune umwe neumwe wenyu. Ipapo iwe unogona kuita zvisarudzo zvakanakisisa nezvemari yako sevakaroorana.