Dambudziko rechikwereti yevadzidzi rakabudisa rudzi rutsva rwevanhu hero - yekoroti uyo akabhadhara chikwereti chemaziso chekukwereta chikwereti pane izvo zvinoita sokuti hapana nguva. Takawana vatanhatu vevashandi vechikwereti vechidzidzi uye vakadzidza zvakavanzika zvavo - zvimwe zvaungagona kuzvishandisa mumutambo wako wekubhadhara.
Mugadziri: Cody Clegg, 24
Dhigirii: BS muInjiniya yeMamiriji kubva kuGeorgia Institute of Technology
Basa: Kuita injiniya
Kubhadhara: $ 16,000 mugore rimwe (rakaitwa munaJune / July)
Nokuda kwevakawanda vakapedza kudzidza, chokwadi chevadzidzi vavo chikwereti chinorohwa pavanowana bhiri rekutanga mushure mokunge apedza kudzidza - iyo inouya apo nguva yenyasha inopedza mwedzi mitanhatu mushure mekupedza kudzidza. Mafaro akawanda haatumire mubhadharo yekutanga kusvika ipapo.
Asi Cody Clegg akakwira pfuti. Apo akazopedza gore rapera ne $ 16,000 ane chikwereti chemari yevadzidzi , akanga atova nebhajheji panzvimbo yaiverenga. "Ndinoda kupinda mumuchero, uye kusvika panguva yekukura kwoupenyu hwangu hwemari," anotsanangura kudaro. Aiziva kuti mari yake yaizowana sei mushure mokunge apedza kudzidza, uye - achishandisa mari yaanenge yafungidzirwa yepamusoro-yega-yakagadziriswa bhajeti yemwedzi: inenge 25 muzana yaizoenda kune imwe renhare, 8 kubva kune yevashandi uye yekutfambisa, 6 muzana kune zvekutengesa uye kuputika 26 muzana kumudzidzi chikwereti. (Zvasara 35 muzana yebhajheti yake ndeyokudya kunze, varaidzo, kuchengetedza uye mari dzisingatarisirwi, sekugadzirisa motokari.)
Kubhadhara zvikwereti zvake panguva yakatarwa yegore regumi gumi kungadai kwakamubhadhara $ 116 pamwedzi. Nhaurirano yake yakajeka yakamubvumira kubhadhara 8.6 nguva iyo - $ 1 000 pamwedzi, uye dzimwe nguva zvimwe. Uye, semari yake, akaiona semari yakasimbiswa. Akapawo $ 2,000 emabhonasi ake ekuguma kwegore kumusana uye zvirongwa zvekushandisa mari yake yekubhadhara mitero, zvakare.
"Ndainzwa ndakafara uye ndine chivimbo nekusvetuka pane zvikwereti pakarepo," anodaro Clegg, uyo anotaura kuti kubudirira kwake kuzvidzora uye uchenjeri hwemari kubva kumuzukuru wake. "Ambuya vangu vaiva bhizimisi rakanaka kwazvo. Kunyange zvazvo aive zvakanaka, nguva dzose aive akakwanisa kuponesa mari uye achiita kuti mari yake iwedzere. "
Mubhadhari Wezvakanaka Mazano : Chonce Maddox, 25
Dhigirii: BA mu Journalism kubva kuNorthern Illinois University
Basa: Freelance munyori
Kubhadhara: $ 20,000 mumakore matatu
Makore matatu akapfuura, Chonce Maddox akapedza chikoro chemadhora makumi maviri nemakumi maviri emari yevadzidzi, chikwereti chemari ye $ 10, uye hapana basa. Nenguva yaakazoita basa, chikwereti chemudzidzi wake chakanga chakura (nechido) kune $ 21,113. Yake $ 28,000-gore-gore kunyora gig yaisazoita zvakawanda zvekugadzirisa mune izvo-pamwe, yaida kuisa pfungwa pane chikwereti chemotokari sezvo chikwereti chayo (15.5%) chakanga chakapamhidza zvikuru kune chikwereti chemudzidzi. Nokudaro kusiyana nemuwandu wezvikwereti zvevadzidzi, maddox akadzikisa mari yake pamwedzi - nekunyora kwePurogiramu Yokubhadhara Kwekudzidziswa, achideredza mari yake yemazuva mashoma kusvika $ 150 yegore rokutanga.
Asi muna 2016 - mushure mokunge motokari yaibhadharwa - yakasimudza chikwereti chake ne $ 1,000. Sei? Ne (zvakaoma) kuchera mari yake, kutora kukosha-kushandiswa kwemari uye kutsvaga basa rakawedzerwa kune rumwe rutivi.
Maddox naiye then-boyfriend (iye zvino murume) vakatamira kune imwe nzvimbo kuti vaderedze renhe yavo kuenda ku $ 440 pamwedzi. Akabvisawo mari isingakoshi uye yaasina kukoshesa. Semuenzaniso, akashandura kune imwe kambani yekufambisa foni uye akasarudza kushanyira kushambadzira kuchengetedza mamwe $ 1,020 gore rokutanga. Uye anoramba bhajiro rezvokudya zviduku re $ 300 pamwedzi, uye chero mari inouya kubva kune rumwe rutivi gigs - pamwe nekusimudza - inoenda kune chikwereti chake. Pakupera kwegore, anoronga kuti apedza kubhadhara chikwereti chake.
The Numer Runner : Eric Rosenberg, 32
Degree: MBA, University of Denver
Basa: Freelance finance munyori uye mutengesi
Kubhadhara: $ 40,000 mu "makore maviri nematanhatu"
"Ndaiziva kuwana MBA yaizobhadhara," anodaro Eric Rosenberg wechisarudzo chake chekutsvaga dhigirii yepamusoro chaizomubhadhara madhora $ 92,000.
Akapedzisa kubhadhara zvinhu zvose kunze kwehomwe kunze kwekuda mari inenge madhora makumi mana emadhora makumi maviri nemakumi mashanu emari yechikwereti yevadzidzi (uye $ 3,000 mushandi wake akaisa mu). Uye akadzikisa chikwereti kuburikidza nekuripira chikwereti chake pakarepo paakazvitora. "Ndakatanga kutora chikwereti-chetengo chete pane zvikamu zvisingabatsiri pakarepo pandakawana zvikwereti," anodaro. "[Kubhadhara chido] kwakandibatsirawo kuti ndive netsika yekushandura motokari uye ndakaiita [kuripa] chimiro chechipiri uye tsika."
Mubhadharo wake paakapedza chikamu chaiva $ 49,000. Apo Rosenberg akatanga kutora chikwereti kumukuru-soro, akashandisa pachake purogiramu ye snowball nzira, zvichiita kuti pave nemari shoma pane imwe neimwe yezvikwereti zvake zvina (mari inobhadharwa uye isingabatsiri ye Stafford chikwereti gore negore rechikoro) uye kuisa mari yakawedzerwa yaakaronga chikwereti chake kune imwe ine chikamu chakanaka. Nokuda kwechimwe chikonzero, akacherechedza kufambira mberi kwake achishandisa zvinangwa paMint.com.
Mutsva : Sophia Khawly, 28
Dhigirii: BS mune Mukoti, Florida State; MS muchikoro chokuchengetedza, University of Miami
Basa: Mukoti wekufambisa
Kubhadhara: $ 52,000 mumakore matatu
Mushure mekunge Sophia Khawly apedza kudzidza, akamuchengetedza kugadzirisa mari shoma-yakadzika chaizvo . Akararama naambuya navanasekuru vake vasingabhadhara kwemakore anenge matatu, vachishanda semukoti wenguva yakazara mumakiriniki ejeri muMiami. Bhizimusi rayo roga roga rokutengesa raiva $ 65, uye $ 100 kuti adye kunze. Kumuchengetedza mari yakaderera zvakaderera zvakamubatsira kuti atange kuribhadharira $ 1,200 nekuda kwemari yake - kaviri kubhadhara mwedzi pamwedzi kwe $ 600. Akafambisa neSoFi munaJune 2014, izvo zvakaderedza chido chake chekuda kusvika ku55 muzana (kuchengetedza mari yake $ 7 300 muhupenyu hwehupenyu hwose), uye akawedzerwa huwandu hwaro hwemwedzi kusvika ku $ 800 (ayo akaramba achibhadhara $ 1,200 nokuda). Zvose izvi zvinoshandura kumuisa pamugwagwa kuti ave chikwereti-pasina makore mashanu mberi kwepurogiramu.
Panguva yaakabva kuMiami kwechinguva chidarika gore rimwe chete kuti atange basa rake remazuva ano semureri wekufambisa (apo mushandi wake achienderera mberi achikwira pamba yeimba yeimba), akawana chikwereti chake kusvika kune $ 20,000. Yakanga iri kutora basa iri rainyatsoratidzira mari yake. "Pane imwe nguva ndakatanga kushanda somurezi wekufambisa, ndakatanga kuisa chero mari yakawedzerwa muzvikwereti zvangu. Izvi zvakaguma kuva $ 7,000 / mwedzi, izvo zvakandibvumira kuti ndibhadhara zvasara zvezvikwereti zvangu mukati memwedzi mitatu. "
Buddy System : Autumn L, 31
Dhigirii: Masters muPirist Assistant Studies, Carroll University
Basa: Chiremba mubatsiri anonyatsoongorora chirwere chemoyo
Kubhadharwa: $ 85,000 muzvikwereti zvevadzidzi, uye $ 15,000 akweretwa kubva kumhuri, mumwedzi 21
Autumn (uyo akatikumbira kuti tisaita zita rake rekupedzisira) akanga achishanda sewebhu web designer kwemakore mashomanana paakaona kuti aida kudzokera kuchikoro kuti ave mubatsiri wechiremba-chisarudzo chaizomubhadhara kupfuura $ 100,000. Akapedza kudzidza, akatamira kuNew York City, akatanga basa rake idzva, ndokusangana nemukomana wake, Joe, uyo akazoita basa guru mukubhadhara chikwereti chake. Chokutanga, akamurudzira kuti awane mari inosvika madhora 66 000 yaaiva nayo muzvikwereti zvehurumende; iye akaita saizvozvo neCommunityBond, achideredza chido chake chekuda kusvika ku3,4 muzana zvakaguma ne $ 15,000 kuchengetwa mune zvekuda kwemwedzi mipfumbamwe inotevera. Uye mune iyo mwedzi mipfumbamwe, akazvitora kubva kuma $ 66 000 kusvika ku $ 10 000 nokuunganidza nguva yepamusoro yekushanda kubasa (akawana mamwe madhora makumi matatu nemazana matatu), achitora zvigadzirwa zvemari, uye kuwana zvinhu zvokutengesa.
Joe akabva amukwereta mari inosvika $ 10 000 yaisingadi. "Joe akanga akanaka pamusoro pekuongorora kuti ndaiita sei mari, mupfungwa, uye nemanzwiro, uye ndichindiyeuchidza nezvemufananidzo mukuru apo pandaitanga kuona chiratidzo," anodaro. Zvingave zvakakosha kune mumwe, mubereki kana shamwari, anokurudzira vanhu kuva nekutaurirana buddy kuti vakubatsire kuchengetedza iwe-uye, kana zvichibvira, kukubatsire nemari isina chikwereti!
The Realist : Kevin, 30
Dhigirii: Mutemo, University of Minnesota
Basa: Attorney
Kubhadhara: $ 87,000 mu 2.5 makore
Kuenda kubva pakaputsa mudzidzi kusvika kune vashandi vatanhatu vashandi usiku hwose hakusi kungovhundutsa chete, asi kunotyisidzika kune chikwama. "Chero nyanzvi inotanga nehutano hwakanaka inogona kuwira muhupenyu hwehupenyu hwekunamata," anodaro Kevin (uyo akatikumbira kuti tisazita rake rekupedzisira). "Vanowana imba yakanaka, iyo micheka yakaisvonaka. Ndakaramba ndichirarama sezvandaiva mudzidzi. "
Mukuwedzera pakuchengetedza chikwereti pane chibereko nekugadzirisa chikwereti chake kaviri (kusvika kusvika ku4,3 kubva muzana, uye kusvika pakuenzanisa kushandiswa kunotanga pa1,93 muzana), Kevin akagara mune imwe nzvimbo yeimba panzvimbo pokufamba muimba yepamusoro, achigadzirisa zvokudya zvaaidya kunze, uye akapfuurira kutengesa - uye kupfeka - mubhadharo. "Kana iwe uchivandudza hupenyu hwako, zvinowanzoomera kuderedza. Kana iwe wakamboshandiswa kune imwe nzira, haina kunzwa kuti yakasiyana, "anodaro.
Ndiina Kelly Hultgren