"Nguva yako yemari yakakura ndeyekuti iwe unoona kuti mari ichazofananidza hupenyu hwako, kana iwe uchida kana kuti kwete," anodaro Bobbi Rebell, munyori webhuku idzva rinonzi "How to be Financial Grown Up." "[Mari ] rinokurudzira zvinhu zvose kubva paukama hwemhuri kusvika kusarudzo dzebasa - uye zvakanakisisa chose chisarudzo chehupenyu chikuru chinogona kurondedzerwa nenzira yaunoshandisa mari nemari yako. "
Bhuku reRebell rinokutora nguva uye mazano kubva kuvatungamiri vemabhizimisi makumi matatu, kusanganisira Tony Robbins, Ivanka Trump, Kevin O'Leary we "Shark Tank" uye muumbi weCynthia Rowley. Nguva yake yokufananidza yakauya pa23, paakatenga pfuma yekuNew York. "Ndakacherechedza mathemati, ndakafunga kuti ndaigona kuitora uye kuti zvakanga zviri nani kupfuura kukodha," anodaro Rebell.
Akafuridzirwa nebhuku rake, takabvunza vane zviuru zvemamiriyoni vane mari vekubhadhara mari uye vanyori kuti nguva yavo yekujekesa yaiva chii. Kubva pakubhadhara mitero kuti uwane hutano hwehutano, hezvino ndiyo nguva yavo yokutanga "yehupfumi huripo."
Apo Uncle Sam Anokurudzira Musoro Wako Kubva MuSande
Garrett Philbin, 30 ( Iva Anoshamisa, Usati Wakavhunika)
Nguva yaPhilbin yakauya paakaziva kuti mitsva yekubhadhara yaive yei uye kuti yaifanira kugadzirira sei mberi. "Ndaiziva kuti ndaifanira kuisa chimwe chinhu," anodaro. "Ndakanga ndiri kuita $ 30,000, ndisingakwanisi kutenga uye ndaifunga kuti zvaizova zvakanaka - zvichiti chido chokusaziva - saka handina kutarisa mazviri." Uyai nguva yekubhadhara - mushure megore rake rokutanga pabasa - Amai Sam vakamutumira Bill ye $ 3,500.
"Yakanga iri nguva yangu yakachena-yakakanganiswa nevakuru vakuru: mitero haifaniri kuita zvemashiripiti, uye chete kana ndakatarisana nekutya ndaigona kukanganisa mbongoro yekusaziva."
Akadzidza kurarama zvishoma uye akatanga kuchengetedza chikamu chimwe chetatu chemari yake yegore rinotevera. "Unenge uchitora mari nguva dzose pamagumo egore uye iwe unenge wakadzidza kurarama mukati mako, pane kuzvinyengera iwe kufunga kuti une mari yakawanda kupfuura iwe," anodaro.
Apo Zino Rinogona Kukutora Iwe Mwedzi Miviri 'Yekare
Stefanie O'Connell, 30
"Makore ose ehuduku okureva nhema kuvabereki vangu pamusoro pokupwanya mazino angu asati avata akadzoka kundonditambudza mumakore angu makumi maviri," anodaro O'Connell. Pakupedzisira, akazviwana ari pachigaro chemazino ane danda rekare - iro rakashandurwa kuva mumugwagwa, muchero, uye kuiswa. Kunze kwekunge, nguva ino, akanga asiri pamushandi wehutano wehutano hwemubereki wake uye akanga asina kuvhara meno. Mutemo: $ 2,000.
Iyo ndiyo nguva yaakaziva kukosha kwekuchengetedzwa kwekukurumidza . "Iwe unoziva kuti uri kutakura zvakakwana apo gwaro rekuchengetedza rakanaka uye kuregererwa kwechikwereti chakakwirira kunowedzera kune hupfumi hwehupenyu," anodaro. Anokurudzira kubata zvipo zvako zvekutsvaga mari zvakadai semari yako yebhadha kana mabhizimusi ehurumende: unenge usina kutenderwa iwe unobhadhara pakutanga kwemwe mwedzi.
Paunofunga Nezveramangwana
Erin Lowry, 27 ( Broke Millennial)
Nguva ya Lowry yakauya apo yakakungurusa pamusoro pe 401 (k ) kubva kune mumwe mushandi wekare kuenda kuIRA. "[Ndiyo yekutanga ini ndaive] ndichiita zvekutonga pamusoro pemari yangu uye ndaiziva kuti ndaiziva kunyatsogadziriswa zvinhu zvose, pane kungotarisira kuti ndakarangarira kuti ndingatambanudza sei maoko angu pamusoro pemazana emakore makumi mana (k) mumakumi mashoma emakore, "Anodaro Lowry.
Paunobva mubasa, Lowry anoti, inguva yekuongorora zvaunogona kuita. Vamwe vashandi vachakubvumira kuti uchengete nhoroondo navo (dzimwe nguva kune $ 5,000 zvishoma). Kana zvisina kudaro, unofanirwa kuifambisa.
Uye usati waona chiziviso, chengetedza kuti iwe unotofanira kufamba nemafambisi ako. "Vamwe vashandi vangangodaro vakashandisa purogiramu yakavharidzirwa kana kuti yemadenga-zvinoreva kuti iwe unotora kutora zvimwe, kana zvichida, wevashandi zvipo zvichienderana nekugara kwenguva yakareba sei nekambani."
Apo Paunowana Mazano Api
Tonya Rapley, 32 (My Fab Finance)
Vanhu vazhinji vanokura nekufuratira kubva kune mazano evamwe. Rapley akatamira kune iyo. Muna 2013, akashandisa mutariri wezvemari (uyo achiri kushanda kusvikira nhasi). "Nguva yangu yemari yakakura yakauya apo ndakagamuchira chirevo changu chokutanga kubva kumudzidzisi wangu wezvemari nokuda kwenyaya dzangu dzekutsvaga mari," anodaro.
"Kusangana nemudzidzisi kunotyisa, asi oh-wangu-nguva yekuti 'ndakaisa mari mumakambani aya, uye ndinoenda kuona kuti vari kuita sei' chaizvoizvo vakazviita."
Anoti kudyidzana kwakasiyana nedzimwe sarudzo uye zvekukwereta. "Ndinogona kutsanangura mari yehukuru kuburikidza nekuita zvinhu zvakakunakira - kusarudza kuzviita maererano nekukamanikidzwa kuzviita."
Paunotora Kudzora Kwekushandisa Kwako
Chelsea Fagan (The Financial Diet)
"Kusvikira makore makumi maviri nemaviri, ndakararama upenyu hwangu hwose hwemari sekunge ndaizofa mangwana kana kuti ndisina mupfumi - handina kumbobvira ndaronga mberi, ndakaponeswa, kana ndabhadhara zvigwaro zvangu kunze kwekuti ndaifanira kuita zvachose," anodaro. Nguva yaFagan yakauya apo iye pakupedzisira akabhadhara kadhi rake rechikwereti risina kumbobvira raitora chikwereti chake chikwereti .
Akawana chikwereti chake shure kwekugamuchira mubhadharo kubva mubasa guru rebasa, asi pachinzvimbo chokuzvibata, akatora chikamu checheki ndokuisa kuchikwereti. "Ndicho chiito chimwe chete chakandiisa mumugwagwa wokuita zvinhu zvakawanda zvakadaro zvine utano, zvinobudirira nemari yangu, uye chaizvoizvo zvakaita kuti ndifarire manzwiro ekuponesa, kubhadhara mari, uye kazhinji kuita zvakanaka."
Apo Cash-Cow yako Condo Almost Backfires
Tess Wicks, 25
Wicks akatenga chibhadharo paakanga ava nemakore 23, ayo, anoti, anofanira kuva ave mukuru wavo kwenguva refu, asi yakanga isiri. Izvo zvakauya vhiki inotevera, apo vanhu vari pasi pasi vakaputsa nhau kuti imwe yezvokugeza zveWicks yakanga ichizadza imba yavo. " Inishuwarenzi yeimba yake yaisati yavhara zvinokanganisa kune dzimwe nzvimbo dzevanhu uye varimi vakanga vasingadi kureva kukanganisa kwavo inshuwarisi, saka Wicks aifanira kubhadhara iyo plumber, kontrakta uye chikamu. Mumazuva iwayo zvakamurova iye: "Ndakanga ndiri muridzi weimba."
Kune avo vanotarisa kuti vave vaduku vepanzvi vemizinda ivo pachavo, Wicks anoti, "Zvingava zvichiedza kuisa zvakawanda mumari yako yepamusoro sezvinobvira, asi iva nechokwadi chekuti iwe uchisiya zvakakwana munyaya yako yekuchengetedza yakaoma nekuda kwezviitiko zvinodhura zvinodhura chaizvo."
Ngani? "Tumira $ 5,000. Izvozvo zvingaratidzika sezvakawanda, asi kugadzirisa kumusha kune zvimwe zvinodhura uye zvakajairika 'zvinokurumidza' iwe ucharipa. "
Apo Paunenge Uchitsaura Kubva Bhengi raamai nababa
Zina Kumok, 28
"[Ndiyo apo] ndakatora basa rangu rokutanga kubva koreji uye ini pakarepo ndaifanira kubhadhara zvinhu zvose ini," anodaro Kumok. "Ndaifanira kuisa pasi chekuchengetedza mari, kubhadhara renhi yangu uye apo motokari yangu yaida kuchinja mafuta, ndiyo iyo yakandirova chaizvo." Uyezve, nguva yake yenyasha yakapera mwedzi gare gare, saka aifanira kutanga kumudzidzisa chikwereti chemudzidzi . Yaiva ipapo akadzokorora pfungwa yebhajeti.
"Ndaiziva zvidzidzo: kuchengetedza kubhadhara mari, kuisa mari, kudzivisa chikwereti - asi handina kumbofanira kuisa ruzivo irworwo," anodaro. Kumok akanga aedza kubhadhara mari shoma mukoroji, asi haina kumira. Asi akaziva kuti kuitira kuti akwanise kumubhadhara chikwereti chomudzidzi mangwanani, aifanira kuchinja mari yake. Akaita, uye ikozvino iye anozivikanwa nokubhadhara mari $ 28,000 yezvikwereti zvevadzidzi vechikoro mumakore matatu. Mukuwedzera kune bhajeti, "Ndinogonawo kukurudzira kubhadhara zvishoma pane zvishoma kune zvevadzidzi vako chikwereti, kunyange mari inopfuura $ 10 kana $ 25. Mari yega yega inotora, tora iyo mari uiise kune yako chikwereti. Izvozvo zvinowedzera kuchinja zvichakubatsira iwe kubhadhara chikwereti chako nekukurumidza. "
Ndiina Kelly Hultgren