Nyanzvi (kusanganisira, pane imwe nguva, ini) ichakutaurira kushandisa mari iyo kubhadhara chikwereti pasi uye kusimbisa kubhadhara mari yako yekurega , sezvo iyo inokutumira iwe mubairo mukuru kune yako pasi.
Asi heino nzira yakasiyana: Ko kana iwe ukawana nzira yekushandura hupenyu hwako uye kuwana mufaro mukuru kubva mumari iyoyo? Haisi kungova nemhosva-ndezvekufananidza mararamiro ako nezvinokosha zvako, anodaro Stefanie O'Connell, munyori we "The Broke and Beautiful Life."
Chokutanga, tora nguva yekufungisisa chauri kutsvaga kutenga: Icho chinonyanya kuchinja here? Nguva yakawanda? Kunetseka kuderera? Zvadaro, tarisa zvakananga pane zvaizotora kuti zviite kuti zviitike nemari yawakapiwa naMunun'una Sam. Heano nzira shomanana dzokufunga nadzo kushandisa mari iri kuuya nenzira yako.
Bhara mumwe munhu kuti aite chimwe chinhu chinokumanikidza kunze.
"Kutsvakurudza pamusoro pemari uye mufaro [zvinoratidza kuti] kuisa mari yako nenzira dzinokuchengetedza nguva kunobatsira kukura nekuvandudza mufaro wako wose," anodaro Sophia Bera, nheyo yeGen Y Planning. Sei? Inogona kukusunungura kuti upedze nguva yakawanda uchiita zvinhu zvaunoda, uye nguva shomanana kuita zvinhu zvausingaiti.
Kushandira mumwe munhu kuchenesa imba yako kaviri pamwedzi kunogona kusunungura nguva yevamwe shamwari, mapoka emhando, kana kunyange usiku usiku kana uine vana vaduku, anodaro Bera.
Zvimwe nguva zvingachengetedza zvisarudzo? Bvisa zvipfeko pakushambidza-uye-paka akachenesa, shandisa mari yekudyisa kushandiswa seSnowFresh kana Blue Apron, kana kuti zvinhu zvako zvinotengeswa nemakambani akafanana nePeapod kana FreshDirect.
Uye cherechedza: Kana iwe uchizeza kuisa mari yekubhadhara mutero kumadhora ekuchengetedza mabasa, funga kuti awa iri nguva yako yakakodzera zvakadini, uye uenzanise nemari yekubhadhara. Nokuda kwekuverenga kwakawanda, bvisa mazero matatu ekupedzisira kubva mubhadharo wegore negore uye mugovere nhamba yakasara neiri. (Somuenzaniso, kana iwe ukaita $ 40,000 pagore, iyo inodarika iri $ 20 neawa.) Kuwedzera kwepakati pakati pemutengo wako uye mutengo wokubhadhara kunze, zvinowedzera kugovera.
Isa muhutano hutsva.
Kutarisa kushandura vanoita basa, kukurudzira mari yako yekuwana, kana zvose zviri zviviri? Kuisa muchikoro chako pachako kunogona kuva chinhu chikuru chekubhadharwa kwehupenyu-uye mari kubva kumitero yako yekubhadhara ndiyo nzira yakanaka yekutanga. Kana uri kutarisa kuti uwedzere patsva yako, funga nezvekubhadhara unyanzvi-kuvaka masangano kuburikidza nemakambani akafanana General Assembly (kugadzira, kutengesa, coding, data, etc.) kana Coursera (data science, computer science, bhizinesi, kudzidzira kwemichina nezvimwe). Kana uri kutarisira kushandura vanhu vose, unogona kupinda chikoro chimwe chete kana maviri kune imwe yekoroji kana yunivhesiti kana kupedza paIndaneti kana mu-person certificate certificate (inowanzopiwa nemakoroji emunharaunda kuti vanhu vanofambira mberi vachitarisa kuti vachinje kana kuti vaende mberi mumabasa avo ).
Uye kana iwe wakambotanga kuzvidemba kuti hauna kunyanya mukombiyuta yesayenzi pawakawana mukana? Kubhadhara makambani emakambani kunopiwa munyika yose kudzidzisa zvidzidzo kune avo vatsva kumabhizimisi; kune zvikamu makumi mapfumbamwe nemazana makumi mapfumbamwe nemazana makumi matanhatu nemazana emakasarudzo eine nguva yakawanda yekudzidzira kwe $ 11,400, maererano neCourse Report. Izwi renyevero, kunyange zvakadaro: Ita kuti zvikwereti zvemakambani zviongorore, sezvo pasina mitemo yakawanda yemisasa yebhoti. Kumbira kuti utaure kune vashomanana vakadzidza kuti vaone kuti vari kushanda uye kuti zvikoro izvi zvakavadzidzisei. Iwe unogona kukwanisa kutengesa kuburikidza nekukumbira-kana nekuenda nepurogiramu yenguva yakazara iyo inotora nguva yakareba kupedza. Uye uzive kuti kunyange mushure mokunge wapedza chikamu chebasa, zvinogona kutora huwandu hwekuzvidzidzisa (kunyanya munzvimbo dzakadai se data uye zvigadziriswe) kudarika hurukuro dzepamusoro-soro.
Ita kuti utano hwepfungwa huve chinhu chinokosha.
Kuramba uri pamusoro pehutano hwepfungwa-ingave kushungurudzika, kuzvidya mwoyo, kuora mwoyo kana chimwe chimwe chinhu-kunogona kuwana mukana wakanaka.
Saka kana iwe wakanga uri kuisa izvo zviri shure, zvinogona kunge zvakakodzera kushandiswa kwemutero wako wemutero unogona kubhadhara muhupenyu hwako hwose.
Vanenge vatatu muAmerica vakuru vane chirwere chokuzvidya mwoyo pane imwe nguva muupenyu hwavo, maererano neNational Institute of Mental Health (NIMH), uye inenge 4.4 muzana yevanhu venyika inofungidzirwa kuti inotambura nokuora mwoyo, inodaro World Health Organization ( WHO). Saka kana uri kunzwa uchinetseka, uora mwoyo, kana kuti usina kubva kune mamwe marudzi, iwe hausi woga.
Mashoko akanaka ndeokuti, kune rubatsiro rukuru kunze uko. Funga kutsvaga mushonga kana imwe nyanzvi yehutano hwepfungwa. Maawa okuraira anokwanisa kubva kumativi anopfuura $ 80 kusvika kumusoro, zvichienderana neunogara, maererano neThumbtack. Kuti uwane, iwe unogona kushandisa Psychology Today yekutsvaga nzvimbo yechirangaridzo, uye kana hutano hwako hwehutano hune hutano hwehutano hwepfungwa, unogona kushandisa shanduro yakafanana neZocdoc kutsvaga chete varapi vanobvuma inshuwarisi yako.
Simuka nekukurumidza pane utano hwako hwepanyama.
Kana iwe wakanga uine chinangwa chokuisa hutano hwako hwepanyama-kana kuti hwaive wehumwe sarudzo yako yeGore Idzva-yako kubhadhara mutero kunogona kuva tiketi yako kuenda kumusoro. Zvichienderana nemamiriro ako ezvinhu, izvi zvinogona kutarisa sechiremba chaiwo, chiropractic kuchengetedza kana kunyange uropi hwekuita. Kana iri rekupedzisira, bvunza pamusoro pezvikwereti, uye bvunza zvakare. (Mabhiriyoni akawanda anokwanisa kuregerera kubhadhara mari yegore negore uye kuvhara mari yemwedzi yepamwedzi kuitira kuti adzokere kune vatengi.) Uyezve, kana iwe uchida kuita kuti mutero wako wekubhadhara uende kune imwe nzvimbo, bvunza pamusoro pekutsvaga iwe unogona kuwana kubhadhara mari mwedzi mitanhatu kana gore gore rapfuura (rinogona kuva rinokosha). Kana kuti, chengetera kuti mudzidzisi wega wekuita kuti iwe uzvidavirire uye uone kuti iwe unonyanya kushandisa mari yako.
Urongwa hwemangwana.
Kuronga kweimba kunogona kunge kusingashandisi kushandiswa kwemutero wako, asi inokosha-kunyanya kana iwe unotarisira. Kuisa mirairo yako yehutano yehutano, simba remupepeti, uye ((kusanganisira kuratidza kuchengetedza kwevana vako) kunogona kutengesa kubva kune $ 500 kusvika kune madhora mazana maviri zvichienderana nemari yako. Pane zvingasvitsa zvinoshandiswa paIndaneti-Somuenzaniso, WillMaker inowanikwa $ 55 paNolo.com, uye LegalZoom's DIY inotanga pa $ 69-asi kana hupfumi hwako huri hwakaoma, kuhaya gweta kunogona kuva mari inokosha.
Tarisa kuti uone kana nzvimbo yako yebasa inobatsira inosanganisira MetLaw, inopiwa neHyatt Legal Plans, inobvumira vashandi kubhadhara mari imwe neimwe pamari yekubhadhara (inowanzokomberedza $ 20 kana $ 25, inoti Bera) nokuda kwokusununguka kana kutapudzwa kunyanzvi yevatongi vematare ezuva nezuva . Kana zvisingaiti, bvunza mazano kubva kumudzidzisi wako wezvemari, mubhadhari kana shamwari dzine upenyu hwakafanana hwemari. Iwe unogonawo kutarisa nzvimbo yako yehurumende yeHurumende yeBuranic website kune avo vanobvumirwa nemagweta avo vanoita kuvimba uye mvumo yemitemo-kutumira uye kubvunza pamusoro pemari, uye kana vachibhadhara neawa kana purojekiti.
NaHayden Field