Farira Budgetary Rusununguko Kana Mari Yenyu Yokubhadhara Yapera!
Muchikamu chedu chekare, takavhara zvivigiro zvekutanga zvemari zvevanyori vanofara zvikuru:
Mari Yakadzama # 1: Sarudza zvaunoda uye kuti mari ichaita sei hupenyu huri kuda kurarama
Mari Yakadzama # 2: Ratidza kuti unoda mari yakawanda sei
Iye zvino zvatakatarisa pane zvaunoda mari yako uye mari yakawanda yaunoda kuti uite basa rekusiya basa, inguva yekuenderera mberi kusvika kune imwe nhepfenyuro # 3 yevanyori vanofara zvikuru.
Mari Yakavanzika # 3: Bvisa Mari Yako Imba Muna Sezvishoma Semakore mashanu
Iwe unogona kunge uchifunga kuti handigoni kuve wakakomba. Asi ini ndiri! Kana iwe uripo pedyo nekutora basa uye unogona kukwanisa kubhadhara chikwereti chako, iwe unofanirwa. Kudzidza kwangu kwakaratidza kuti sezvo zvikwereti zvinyorwa zvinopera, mufaro unowedzera! Zvechokwadi, vose vanobudirira kubva kumararamiro Ndinoziva avo vari kurarama kunze kwezviroto zvavo ndevaya vakabvisa kana kuderedza zvakanyanya mari yavo yekubhadhara chikwereti vasati vasara.
Ndezvipi zvakakosha zvikuru kubhadhara mari yako?
* Iwe hausi kubhadhara chikwereti kubhangi! Ichi chinhu chakajeka, asi ikozvino unogona kuchengetedza mari iyo yauri kushandisa pane chikwereti.
* Kubhadhara chikwereti chako kunopa iwe rusununguko rwemari yekushandisa mari yakawanda pakuwana chinangwa uye mufaro muhupenyu.
Nhanho Dzine Kubhadhara Kubhadhara Mari Yenyu
Kubhadhara chikwereti chako chinogona kutyisa kana kuti sechiroto chisingawanikwi, asi zvinogona kuva nyore kupfuura iwe unofunga kana iwe ukatevera matanho mana aya:
1. Chengetedza chikwereti chako chekutora chikwereti pasi pe15 muzana yemari yako yakawanda yemwedzi.
2. Endai bhabankrate.com kutanga kubhadhara chikwereti chekuverenga.
Izvi zvinogona kuva chinhu chinonakidza chaizvo-zvipe iwe hafu yeawa uye ipaki mune boka remajeri akasiyana. Edza kuwedzera kukubhadhara kwako kwemwedzi ne $ 50, ipapo $ 100, ipapo, $ 200, ipapo $ 500.
Ongorora nemakwikwi akasiyana. Ivhara muhuwandu hwako uye uone kuti makore mangani (uye madhora) anogona kuveurwa nekubhadhara mamwe mazana madhora madhora pamwedzi. Zvinoshamisa kuti iwe unogona sei kutamisa mamita.
3. Ita bha-weekly kubhadhara chikwereti (ndiyo 50 muzana yemanyorera vhiki mbiri mbiri panzvimbo ye 100 muzana mumwedzi umwe).
Ichi chinhu chinonyengera chiri nyore chinoshamisa. Kuita bha-weekly mortgage payments inokumanikidza kuti uite chikwereti chakawedzerwa pamwedzi pamwedzi.
Somuenzaniso: Kana chikwereti chako chekutenga chikwereti chinosvika $ 2,000 pamwedzi uye iwe ukasarudza purogiramu yekubhadhara kwevhiki mbiri, iwe uchabhadhara mari inopfuura $ 2 000 gore iroro nekuda kwenzira iyo kalendari inowira. Iwe hausati watoziva kuti uri kubhadhara zvimwe. Icho chinonyengera chikuru kubhadhara mubhadharo yakapfuura pasina marwadzo!
4. Chetatu-Kutonga.
Kana iwe uri mukana wekubhadhara chikwereti chako usingashandisi chikamu chimwe chetatu chemari yako yekusasiya mari , funga kubhadhara chikwereti chako nhasi. Sechiyeuchidzo, mari yako yekuchengetedza basa inosanganisira yako 401 (k) uye / kana RIA mari.
Somuenzaniso: Kana iwe uchikwereta $ 40,000 pamba pako uye uine $ 150 000 mukuchengetedza, iwe uri mukati memutemo wechitatu. Iwe unogona kuchengetedza zvakachengetwa mari yako, uye uchiri nekakura yakasara yakasara, iyo ndiyo yakakosha.
Kutevera zviito zvina izvi zvichakuisa iwe pedyo nekubhadhara chikwereti chako musati waita basa, uyezve kukupa rugare rwepfungwa nekukubvumira kurara zviri nani usiku. Mari yezvemari, iwe uchange uine humbo hwakanaka hwekunakidzwa nemabasa ose ehupenyu hwawakashanda zvakaoma kuti ufare.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita.
Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo