Pakupedzisira, mari yakakwana yaunopedza haina basa nechokuita sekuwandisa kwemari yaunoshandisa maererano nemari yako uye mari yakakodzera.
Kana uine makore makumi mashanu, usina chikwereti, $ 2,000,000 mune mari mubhangi, uwane $ 600,000 kana kupfuura gore negore, uine imba yako chaiyo, uye uve nemisasa yakawandisa yemari isiri pangozi yokunyangarika panguva imwechete, haiti Zvinonyanya kukosha kana iwe uchida kushandisa mari kune zvimwe vanhu vangafunga sevasina maturo, zvakadai semotokari ye $ 150,000 kana $ 6,000 Brioni zvigadzirwa?
Kunyangwe iwe unofarira zvinhu izvozvo kune Ford uye bhuruu jean inenge iri nyaya yehutano hwako. Hapana mhinduro yakarurama kana isina kururama. Chinangwa chako hachisi chokufa nemutengo wakakosha zvakakosha, kuti urarame hupenyu hunoita kuti iwe uwedzere kufara, uchishandisa mari sechigadzirwa chinoshumira iwe. Chero bedzi uchingowedzera kuwedzerwa mumambure ako akakodzera kusvika pane iyo nzvimbo yako iri kuunza mari yakawanda uye gore rimwe nerimwe rinopfuura, iwe unogona kushandisa mari yakawanda uye iwe wakanaka. Chinokosha ndicho chakasara.
Kune rumwe rutivi, kana iwe usina mari, $ 20,000 mune kadhi rechikwereti chikwereti, $ 15,000 mumudzidzi chikwereti chikwereti, chikwereti, kutengesa motokari, uye imba yako inotsigira pane rimwe chete kana maviri mabasa kuvhara mari yako, kushandisa $ 70 kuenda kundodya uye firimu inodhura zvikuru.
Hazvina mhosva.
Iwe uri kurarama pamucheto wenjodzi uye peni imwe neimwe yakawanda inofanira kunge iri kukuderedza zvikwereti zvako, kusimbisa mari yako yekuchengeta, uye kugadzira zvinhu zvisingabatsiri zvekuwana mari zvichiripo kana ukarasa basa rako. Izvozvo zvingaratidzika kunge zvisingaiti asi dzimwe nguva zvinobatsira kuongorora zvakanyanya.
Funga nezvevarume vaviri, avo vaviri vanogara muguta rimwe chete.
John ane ketani kadiki yepende yezvokutengesa. Ari kubudirira uye ari pedyo nekurega basa. Anowana $ 250 neawa (inenge $ 500,000 pagore). Haana chikwereti. Nhoroondo yake yakafukidzwa nemamiriyoni emadhora mubhuruu-chip stocks , boka re Series I kuchengetedza zvibvumirano , uye dzimwe dzimba dzakanaka dzezvivako .
Anoda zvinhu zvakanaka. Mushure mekushanda kwebasa rekushanda, iye zvino agere kumba kumba kweusiku humwe achipfeka madhora mazana mana emadhora emakristi, kunyora ne $ 2,000 fountain pen, kunwa kunze kwe $ 400 yegoridhe-rimmed kapu mukombe, kuteerera mimhanzi pane Steinway & Sons grand piano ane mutambi sangano rakagadzirirwa mairi, richipa zviuru zvemadhora kuburikidza nerudo rwemhuri yake, uye kuverenga madhora mazana matatu emakanda, mabhuku akavharidzirwa negoridhe.
Kamwe kamwe pagore, anoshandisa madhora 25 000 kuti atore vazukuru vake pazororo kuenda kunzvimbo yavanosarudza. Anobhadhara zvidzidzo zve violin, zvidzidzo zvekudya, dzidzo yega, uye zvimwe zvinhu zvakawanda zvinobatsira mhuri yake. Humwe husiku, anosarudza kutora vana vake vakuru kuti vadye, achishandisa $ 700 paitikiti panguva iyo zvose zvataurwa uye zvaitwa. Kune vamwe vanhu, iyo inobhadhara chikwereti.
Adhamu mutengesi wevashambadziri. Anoshanda zvakaoma. Anowana $ 10 neawa ($ 20,000 pagore).
Anogara mumhanho-pasi. Haana kutenga mbatya itsva mumakore mashanu. Motokari yake haishamisi. Anodzivirira kupisa kuti aponese mari. Ndiye ane mhosva yekuita kudya kwemanheru. Anosarudza kutora mhuri kuMcDonald's uye anoshandisa $ 30 pane cheeseburgers, fries, uye Cokes.
John ari kuzvibata zvakanyanya kudarika Adhamu kana zvasvika pakuponesa mari. Kwekudya kwemanheru, aingofanira kutengesa maawa maviri chete emaawa ake ekubhadhara zvokudya, asi Adhamu akapedza maawa 3.0 yenguva yake. Izvi zvinoreva, kunyange zvazvo kudya kwaJohn kwemhuri kwakanga kuri $ 700, zvaive zvisingabhadharwi mune zvehupfumi kupfuura kudya kwaAdhamu kwemhuri pa $ 30. Sezvisinganzwisisiki sezvazvinonzwika, Adhamu akabhadhara zvimwe zvokudya zvake kupfuura zvaakaita naJohn paunoyera izvo zvinokosha - mari yakawanikwa uye nguva inoshandiswa kutenga mari.
Kuti aise pachena, Adhamu haakwanisi kudya kuMcDonald's.
Zvingave zvakanaka kana kwete hazvina kukodzera iye zvino, panguva ino, sezvo inoreva nezvemari yake. Kana kuda kwaAdhamu kwaiva kuwana rusununguko rwemari , angadai akadya zviri nani, uye akabhadhara 1 / 6th mari, nekugara kumba nekugadzira chimwe chinhu. Anofanira kumhanyira mhuri yake zvakanyanya uye anozvichengeta pachake panguva ino muhupenyu hwake. Anofanirwa kuva ane udyire uye anoisa zvaanoda iye oga, uye kuzvipira kwekutanga pakutanga. Nenguva yakakodzera yekugadzirisa, inonyatsokwanisa.
Hongu, zvinogona kuva dambudziko rekugadzirisa mafungiro aya, asi, kutarisa dheta yeUnited States, vazhinji vehurudzi rwaJohn rwakatanga saAdhamu. Unofanirwa kuzvipira kune zvaunoda muupenyu uye kana chinangwa chako chiri kuwana rusununguko rwemari. Iyi inodhura kana iwe usina kuva nerombo rakakwana yekuzvarwa mumhuri yakabudirira.
Dzimwe nguva, inoyamwa. Dzimwe nguva, zvakaoma. Dzimwe nguva zvinonzwisisika zvisina kururama kusvika pane zvazvinogona kukuita iwe kutsamwa, kusuruvara, kana kuora mwoyo zvichienderana nehupenyu hwako hwepfungwa. Iwe unofanira kutarisana nayo, zvakadaro. Manzwiro ako haazoshanduki chokwadi chaicho chete zviito zvako zvichaitika.
Izvi hazvirevi kuti iwe haugone kuzviita panguva inenge yakajeka kana kuda kwako kushaya simba, chete kuti peni imwe neimwe inofanirwa kana chinangwa chako chiri kukura dendere rako mazai uye iwe uchiri pane imwe nguva muupenyu hwako kana pasina huru muganhu wekuchengeteka kuti uwane chimwe chinhu chakaipa; nyatsozviziva uye bvuma kushandiswa-kurega zvakakodzera.
Tarisa Pamuenzaniso Wako Wokuchengetedza - PSAVERT Ratio
Nzira yakanaka yekuyera kubudirira kwako pakuponesa ndiyo yako inonzi yakachengetwa purogiramu. Tarisa mari yose yaunoponesa gore roga roga, mari yakamira mubhangi, guru rekubhadhara chikwereti, uye zvikwereti zvakawedzerwa kune 401 (k) zvirongwa , Roth IRA , kana mamwe motokari yomusasa, uye woenzanisa iyo nemhuri yako. Zvimwe, unogona kushandisa chikwata chePSAVERT, Personal Savings Rate, yakabudiswa neThe Federal Reserve.
Kana iwe ukawana $ 1 000 mubhadharo, mari inenge $ 200 yeiyo inofanira kunge iri kuenda kune imwe mhando yekutsvakurudzwa zvakanaka uye yakasarudzwa yekuchengetera kana kuti yekwereti yemari. Chidzidzo chikuru ndechekurega kushandiswa kubva mune rimwe rehomwe bhomwe. Mukomana ane mashomanana akavharidzirwa angave ari kuzvibata zvakanyanya kudhura $ 250,000 Bentley kupfuura iwe unenge uchitenga $ 80 watch.
Gore roga roga, iwe unofanira kunge uri kuwedzera kune yako yepasi uye mari yako yemhuri iri kumusoro uye kupfuura kudarika kwehupfumi. Kana iwe usiri, uye iwe hauna kutambura nedambudziko rezvokurapa rinogona kudzivirirwa kana dambudziko rakafanana rakawandisa kupfuura iwe, iwe uri kuita zvakaipa.