Paunenge uri makore makumi maviri, uri kuvaka nheyo yakasimba yemangwana rako remangwana . Zvisarudzo zvaunoita iye zvino zvichakukanganisa iwe paunenge uchienda mukati mako makumi matatu uye kupfuura. Iwe unogona kutora matanho ikozvino kuti uvake ramangwana rakasimba iwe pachako nemhuri yako (kana iwe uchisarudza kuva nemumwe). Aya matanho achabatsira kuti uise tsika dzinokubatsira kubudirira kutarisira mari yako mumakore anotevera. Kutevedzera matanho aya kunoita kuti zvive nyore kuti iwe ufare makore makumi maviri uchiri kuronga ramangwana rako.
01 Rega Kushandisa Chikwereti Cadhi
02 Kutanga Kuchengetedza Kubhadhara
Iwe unoda kutanga kuchengetedza nekuda kwekurasikirwa ikozvino. Nokukurumidza iwe watanga, nokukurumidza iwe uchakwanisa kupedza basa. Uyezve, mari yako ichave yakakura kuti ikure, zvinoreva kuti iwe haugone kudikanwa kugovera huwandu hwehuwandu kana uchikura uye uri kuedza kubata pamwe nekuchengetedza kwako mari. Iwe unogona kutanga neRoth IRA , kunyange iwe usingakodzeri 401 yako (k) nzira yakarurama kana iwe uri kuzvipira.
03 Gadzira Solid Financial Plan
Iwe haungambofi wakafamba rwendo usina nzvimbo yakasimba mupfungwa. Zvakakosha kuva nehurongwa hwakasimba hwemari kuitira kuti uzive kwauri kuenda kuguma nemari uye kukubatsira kuona matanho aunoda kutora kuti uende ikoko. Urongwa hwako hwezvemari hunofanira kusanganisira zvinhu zvose kubva pakutenga imba kumusha. Apo iwe unoroora uye uine vana, iwe unoda kuchinja chirongwa. Usarega kuumba chirongwa chemari nekuda kwekuti iwe hauna kusangana. Iwe uchiri kudikanwa kuva nehuwandu hwekuchengetedza uye zvekurega basa zvauri kushanda kune.
04 Chengetedza Kubhadhara Kwepasi Paimba
Kana uchangobva kubhadhara chikwereti chako chekwereti chikwereti, unofanira kutanga kuisa mari kunze kwekushandisa sekubhadhara pasi pamusha . Hazvidi kuti uve nemari yakawanda iwe uchiripa chikwereti chemudzidzi wako, asi shure kwekuita kwako, iwe unofanira kuedza kuchengetedza zvakakwana kutenga imba yako yekutanga mumakore makumi matatu apfuura kana kutangira makumi matatu. Kubhadharwa kwepasi kunoita kuti zvive nyore kuti uwane chikwereti chakanaka chekufarira mari yako. Kuponesa ikozvino kuchakubatsira iwe kugadzirira apo inouya nguva yekutenga imba.
05 Establish an Emergency Fund
Mari yako yekukurumidzira ichakupa rugare rwepfungwa. Inogona kukubatsira kuti utarise zvinhu zvisingatarisirwi izvo hupenyu hunokukandira kwauri kubva pamotokari yako kuputsa kumusha kugadzirisa kurasikirwa nebasa. Iyo huru yako mari yekukurumidzira, iyo yakachengeteka iwe unogona kunzwa. Paunenge uchingobuda mune chikwereti, unogona kuisa kunze kwema $ 1 000 sechikwata chekukurumidzira, asi unogona kuda kutora mwedzi iwoyo wekuwana mari. Mushure mokunge musina chikwereti, edza kuisa mari yegore. Iwe unogona kuisa mari yako yekukurumidzira mune imwe mari yemari yemari yekuchengetedza iyo inopa zvikwereti zvishoma zvishoma.
06 Budget Mwedzi Unoga Woga
Nhanho inonyanya kukosha yaunogona kutora mumakore makumi maviri ndeyokutanga bhajeti . Iwe uchada kubhadharira mwedzi mumwe nomumwe kwehupenyu hwako hwose. Nokukurumidza kutanga bhajeti zviri nani iwe uchava mari. Mari yako inokupa kukwanisa kusarudza kuti unoda sei kushandisa mari yako. Inokubatsira kuti utarise mari yako uye inogona kukudzivirira kubva pakupfuura zvakanyanya kana kuvimba nemakadhi ako ekwereti. Kana ukaroora, iwe uchada kuronga nemumwe wako. Zvinotora nguva uye basa, asi kana iwe uri bhadha iwe unogona kuva nechivimbo chokuti uri kutarisira mari yako zvakanaka. Dhora roga roga rinofanira kugoverwa chikamu musati memwedzi uchitanga, uye kana iwe uchinge uchinge uchinge usina mari mumutambo iwoyo, iwe unofanira kumira kurega kushandisa. Kana iwe ukagona kutora danho iri, unogona kukunda mari.