Chii chiri kumashure kweSlide? Pakati pezvinhu, kutya:
- Kutya kwezvematongerwo enyika.
- Kutya kuti zvikwata izvi zvakasimudzika zvakanyanya, uye kuti marhamba acho achapedzisira agadzirisa.
- Kutya kuti, semurima wega , hapana kungoita makwikwi nepros.
Vachiwedzera zvose, uye iwe uri kunyatsotaura pamusoro pekutya kukuru: Kutya kurasika mari.
Dambudziko nderokuti, kana iwe usingaiti, iwe uri kurasikirwa nemari zvakadaro! Kana uri kuisa mari yako mubhengi rekuchengetera mabhengi kana kuti mari yemakethe yemari, uri kuwana anenge 0.5 muzana inofarira; CD ine makore maviri ingakwanisa kukudzorera gore negore zvakapoteredza 1.3 muzana. Chero nzira, hazvina kukwana kuchengetedza kutengesa kwepamusoro nemitero: Simba rekutsvaga mari yako yakasvibiswa ichave yakakosha pasi gore rinotevera kupfuura gore rino, uye kunyangwe gore rapfuura.
Ndicho chikonzero ichi chiri chimwe chete chinotya icho chaicho chairopa kukunda. Heano mazano mashomanana ekuti ungapedza sei kutya kwako uye kutanga kuona zvimwe zvadzo zvechokwadi.
Isa mari yako zvishoma nezvishoma, uye usaiongorora.
Iti iwe wakapa mari $ 100, uye zuva rinotevera wakarasikirwa ne $ 4.
Iko kuregererwa. Zvino, zuva rinotevera, unowana $ 4.30. Kuwana kwemasendi makumi matatu makumi matatu hazvikwanise kubhadhara manzwiro ekurasikirwa ne $ 4 yepakutanga. Icho chinhu chinonzi "kurasikirwa kwevhangeri," iyo nyanzvi dzezvehupfumi dzakanyorerwa kuratidzira kuti vanhu vanovenga kurasikirwa kupfuura izvo zvatinonakidzwa kuwana (kaviri kupfuura zvakawanda, chaizvoizvo.) Nokuda kwechikonzero ichocho, zvakakosha kuyeuka kuti misika inosangana nezvakaderera , mazuva akanaka uye akaipa.
Kana iwe uchitarisa zvakanyanya pane kurasikirwa kwako nekuwana, zvinogona kukuodza mwoyo.
Pane nzira shomanana dzokudzivisa kuora mwoyo nekurasikirwa. Tora kendendari yako kuti uongorore pane yako portfolio kamwe kwekota kana mwedzi mitanhatu. Kunze kweizvi, ramba wakadzikama, ramba uchienderera mberi, uye uvimbe mune zvakaitika kare kwenguva refu yemusika. Uye tora zvishoma nezvishoma-izvi zvinonzi dollar-mari inoshandiswa. Kana iwe waive ne $ 1 000 kuti uite mari, nenzira iyi, iwe unogona kutenga $ 100 vhiki imwe neimwe kwevhiki gumi, panzvimbo ye $ 1 000 panguva imwe chete (iwe unogonawo kuzviita pamwedzi wega wega). Nenzira iyi, iwe haungambove uchienzanisa nekukosha kwemaoko ikozvino nekukosha kwawakaita pane rimwe zuva rawakatenga. "Iwe hauzove nenhamba chaiyo mupfungwa, saka hauzonzwi usiri zvakaipa," anodaro Duke University Purofesa Dan Ariely, munyori wePayoff .
Funga nezvemari yekumirira.
"Hapana rimwe zuva rakanaka rokuti, 'Rega ndiende [kumisika] nhasi,'" anodaro Ariely. "Saka [kana tikaisa kure], hatimbofi takapinda." Izvo zvine mari yakawanda.
Funga nezvazvo nenzira iyi: Funga nezvemari yekusaita mari. Iti iwe ita mari $ 500 pamwedzi kubvira panguva yaunenge uine makore makumi matatu kusvikira uchisarura pazera remakore makumi matanhatu nemashanu. Kana mari ichikura pamwero we8% inodzoka (mitero-yakatarwa), iwe uchava ne $ 1.15 million stash.
Asi kana iwe ukamirira kusvikira wava nemakore 40 kuti utange? Iwe uri kutarisa zvishoma zvishoma hafu iyo iyo- $ 479,000. (Uye, dai iwe wakanga wakachenjera zvakakwana kuti utange pa25, zvakanaka, zviputire: Iko mamwe makore mashanu anounza yako yose kusvika $ 1.8 mamiriyoni.)
Saka vanhu vashoma vanobvisa "rimwe zuva" ivo vachazopedzisira vatanga, ivo vanowedzera kugovera mberi kuti vawane. "Dhora roga roga raunowana kuburikidza nekutsvaga kwako idhora iwe haufaniri kuwana pabasa rako gare gare," anodaro nyanzvi yemamiriyoni yemari Stefanie O'Connell, munyori weThe Broke uye Beautiful Life .
Tora nzira iri nyore.
Kuisa mari haina kuchengeterwa "varoki vemusika" vanoziva kusarudza uye kutengesa zvikwata zvevanhu, anodaro O'Connell. Kune vanhu vakawanda, kubudirira nderokuisa mari yakawanda iwe mukodha rako rekurega mari nguva dzose, nekuisa mari iyo kushanda mune imwe nzvimbo yemahofisi .
Iwe unogona kuve wakasiyana-siyana nekuisa mari yako mukubatanidza kwemahombekiti emakosheni ehurumende yemari uye boka rose rekubatanidza mari yemari, pamwe nehuwandu hwezvisungo zvinowedzera apo iwe unoswedera pedyo nekurasikirwa. Zvimwe, iwe unogona kuenda nechinangwa-zuva rekubhadhara mari, iyo inopazve mari yako yekutsvaga iwe iwe nguva inopfuurira; kungotora chikwereti nechinangwa chezuva pedyo nepamunofunga kuti iwe uchazorora. Iwe unogonawo kusarudza kambani yakagadzirirwa inopiwa nekambani yako yekutengeserana kana wekubvisa mari yekubhadhara, kana mupiro -mazano semugovera Wealthfront kana Betterment , iyo inokuisa mukusanganiswa kwemari inobva pane zvaunopindura mibvunzo mishoma pamusoro pezvinangwa zvako.
Funga nezvekuguma kwechikonzero.
Pakupedzisira, kuti uzviwanire kufara, fungidzira zvaunowedzera mari yako. Icho chinhu chimwe chete chokufunga "kurega basa," asi ndeimwezve kufunga nezvekugara kwaunogara kana iwe uri muchechi. Icho chinhu chimwe chete chokufunga nezvekutumira vana vako ku "koji," asi imwe zvachose kufungidzira ivo vakanamatira pa quad kune wako anodikamwa alma mater. Mhedziso ndeyokuti pasinei nokuti zvinangwa zvako ndezveramangwana, izvo zvinowoneka zviri nyore iwe unogona kuzviita, iyo inowedzera kuisa mari yekuita kuti zviitike ichave.