Unonzwa uchinetseka nemabasa ako emari? Heino nzira yekuita nayo
Wangobva kupedza chikoro uye iwe watanga basa rako rokutanga.
Iwe unozviwana iwe pakarepo unotarisana nemhando dzakasiyana-siyana dzemari zvisarudzo iwe unogona kunge usati wadikanwa kuita pakutanga.
Pakati pezvimwe zvinhu, unoda kusarudza mari yakawanda yaunoshandisa paimba yako, zvakadini kuisa parutivi mubhuku rako rekubvisa mari, uye kuti utsinye sei kutanga kutora chikwereti chemudzidzi wako .
Iwe unogona kunge uri kuvakawo mari yako yega yekutanga.
Izvi zvinogona kukura. Kana iwe uri mutsva pakugadzirisa kwekushandisa mari yako, zvinotevera zvinogona kubatsira.
Tichafamba nenzira idzi dzose, chimwe nechimwe kuitira kuti iwe ugone kuwana rubatsiro rwakanaka pamusoro pekugadzirisa-kutanga munhu wako mukuru wehupfumi hwehupenyu.
Kuwana Mari Yenyu Dzimba Dziri Kutongwa
Vazhinji vekuAmerica vanoona kuti matatu avo makuru ekutengesa ndeyekugara, kutakura, uye zvokudya.
Kunyanya kuchenjerera kuchenjerera nezvekuti iwe unopedza sei mari munzvimbo idzi nhatu kunogona kuva danho rakakosha kukuchengetedza iwe munzira yakasimba yezvemari.
Mutemo mukuru wegumbo ndeyekuti dzimba haifaniri kudya zvinopfuura chetatu chemari yako. Mune mamwe mazwi, kana iwe ukawana $ 3,000 pamwedzi, iwe haufaniri kushandisa mari inopfuura $ 1,000 pamwedzi pane imba yako.
Zvechokwadi, pasi iwe unogona kuwana nhamba iyi, zviri nani. Usatya kuti urambe uchigara nevakagara navo kwemakore anoverengeka mushure mekugorovedzwa kwekoroji.
Rega kushamwaridzana kwevanhu vanoti iwe unofanira kurarama iwe pachaga nokuti iwe une diploma.
Kana iwe uchinge wakachengetedza imba yako inodhura pasi nekugara nevigari vemo kana kubhadhara imba duku, iyo nzvimbo yaunenge uine mubhadharo yako kuti uwane zvimwe zvinangwa zvemari. Iwe unogona kubvisa zvikwereti zvako zvevadzidzi kana kuita shanho yakakomba kunoponesa kune kubhadhara kuripo panzvimbo.
Pamusoro pezvinyorwa zvangu, ndakagara nevaigara navo kusvikira ndava nemakore anenge 32 . Iwe unogona kutarisa mutongo iwoyo uye funga nezvekureurura uku sekusuruvara. Unogona kufunga nezvazvo sehuchapupu hwokuti handina kuwana hupenyu hwangu hwehupfumi pamwe chete kusvikira panguva iyoyo.
Pane zvakasiyana, panguva yandakarega kugara nevigari vemo, ndakanga ndasangana nehuwandu hwekutsvaga mari inoshandiswa pamadhora mazana emadhora. Ndakanga ndichikwanisa kuita izvi, muchikamu chikuru, nekuchengeta zuva nezuva kune zvese zvakaderera sezvinokwanisa uye nekusimbisa mutsauko.
Apo shamwari dzangu dzakanga dzichitsvaga bvudzi ravo dzikaratidzirwa, dzichizvichengeta pachedu, uye dzichigara munzvimbo dzakapararira dzimba mbiri, ndakasarudza kuti ndaizotarisa izvo zvigadzirwa zvemakore mashomanana mamwe kuitira kuti ndigone kufunga nezvekukanda-kutanga mari yangu .
Nheyo yenyaya iyi ndeyekuenzanisira kuti zvisarudzo zvaunoita kana iwe uri mumakore makumi maviri okutanga zvinogona kuva nemigumisiro yenguva refu muupenyu hwako hwekushandisa hunokosha .
Usatya kutora zvisarudzo zvishoma nezvishoma. Rega kutenga zvose zvezvikwata izvo chaizvoizvo-zvinhu zvinokuchengetedza iwe kubatwa nemari.
Shandisa motokari yakare, gara muimba duku, uye uchengetedze mararamiro ehupenyu asi uchitarisa nzira dzaunokwanisa kuwedzera mari yako uye uwane zvakawanda.
Iwe unokwanisa kubva wopa makumi maviri wako kuti uzvigadzirire iwe munzira yakachenjera yezvemari . Iwe pachako iwe pachako uchakuonga.
Muchidimbu, funga nezvekugara kwekumba kwekugara, uye ugamuchire mukana wekugara nevigari venguva kwechinguva chiduku. Paunenge wapedza nazvo, funga nezvekushandisa mari inotevera: kutakurwa.
Kutenga Zvishoma Nekufamba
Iwe uri neropafadzo yakakwana yekugara mune imwe nzvimbo umo uchifamba-famba pazvifambiso zvepaguru kana kuti kuburikidza nemabhasikoro uye kufamba kunogona kuitika? Zvadaro ita zvose zvaunogona kurarama hupenyu hwevanhu vose vanofamba-famba kana vanofamba-bhasikoro-mavhebha kwenguva yakawanda sezvaunogona.
Yeuka kuti petoro haisi iwe chete inodhura yemari . Mwedzi mumwe nomumwe waunenge uine motokari, iwe uri kubhadhara inshuwarisi, kugadzirisa, kuchengetedza, uye kukodzwa kwemotokari.
Icho chirevo chokupedzisira, motokari yekuderera, ndiyo yakaipisisa sezvo isiri mari iyo vanhu vanonzwa.
Izvozvo ndezvokuti haisi mari chaiyo yaunobhadhara. Zvisinei, izvozvo hazviiti kuti zvive zvishoma kudhura. Motokari inoratidzika inopukuta mambure ako akaenzana, dzimwe nguva kusvika kune zviuru zvemadhora pagore.
Iyo yakareba iwe unogona kuwana nayo usina kuva nemotokari, zviri nani. Asi kana iwe uchida kutenga motokari, ita zvose zvaunogona kuti ubhadhara mari yemotokari yekare yekubata .
Imotokari yokutanga yandakatenga yaiva $ 400. Icho hachisi iko kukanganisa; vanhu vazhinji vanofunga kuti ndiri kurasikirwa zero. Ndakadzinga motokari iyoyo kwegore nehafu uye gare gare ndakasimudzirwa kumotokari inodhura madhora 3 000. Ndakabhadhara vose vari mune mari.
Kutenga motokari isingadhuri, yakashandiswa nemari, inoderedza kushushikana kwako kwezvemari, kuvandudza mararamiro ako, nekukupa mamwe masarudzo.
Kucheka Mari Yezvokudya
Pakupedzisira, mari yechitatu yakawanda iyo vanhu vakawanda vanoitirana nayo ndeyekudya kwekudya. Vechidiki, kunyanya, vangave vari kubhadhara mari yakawanda yezvokudya zvakagadzirwa, kusanganisira yekudya kwekudya, kutora, uye kubvisa. Kunyanya iwe unogona kudzivisa kana kuderedza izvi zvinodhura , zviri nani.
Handikurudziri kuva gourmet kubika kunze kwekuti iyo ndiyo nguva yako yekuzvivaraidza uye une nguva yekuzvipira nayo. Usafambiswa mumararamiro ekuti fancy kubika magazini uye mawebsite anokurudzira. Iwe chete unoda kudzidza zviviri kana zvitatu zvakakosha zvikafu zvine utano , uye ubike avo vanowanzoita. Semuenzaniso, unogona kudzidza chikafu cheMexico, gorobha reItaly Dish, uye chikafu cheThai.
Kubika chete izvo zvikafu zvitatu, kudya imwe neimwe kaviri pavhiki, kuchakupa huwandu hwakawanda hwekusiyana. Zvichaitawo kuti uwedzere kushungurudzika kwako uye uwedzere kubudirira kwako. Iwe haufaniri kunetseka pamusoro pezvinhu zvinotengeswa zvinotakura kana kuti nguva yauchazopedza kubika nekuti iwe unogara uchinge wakabatwa pasi. Zvechokwadi, iwe unogona kunyange kunyanya kubika zvose paSvondo, uzviise mufiriji kana firiji, uye uzviparidze kunze kwevhiki.
Generating Side Income
Iye zvino zvawakataurira matanho matatu ekushandisa mari , ndiyo nguva yekuisa pfungwa yako kune imwe nzira. Iwe unoda kuwana dzimwe nzira dzekusimudzira mari yako.
Iwe unonyanya kushanda pane basa rekupinda, iro rinoreva kuti iwe hausi kuwana mari yakawanda. Imwe yenzira dzakanakisisa dzekuwedzera mari yako yakakosha, kunyanya pazera iri remutambo, ndeyokutsvaga mukana wekuwana mari panguva yemadekwana uye vhiki dzevhiki.
Iwe unogona here kuzvipira kana kubvunza mukati memunda wako ? Kana iwe uchibatanidzwa nekudhinda kana PR, kana kuti iwe uri mukuru weChirungu, unogona kukwanisa kushandura mabasa ehurumende semunyori. Kana uine rutivi rwemhizha, unogona kukwanisa kuzvipira semufananidzo wekugadzira.
Funga pamusoro pehupi unyanzvi hwaunokwanisa kupa vamwe vanhu vangawana hunokosha, uye vodzokera kuInternet kutarisa pamusika kune unyanzvi uhwu. Shandisa nguva yekutambidzana nevamwe vanhu vanobhadhara kana nguva yakazara kana nguva yakazara vachirarama nehutano uhwu, uye verenga mabhuku kana mabhuku avanoparidza kuti vawane zvakananga pamusoro pekuti ungatanga sei kuunza rutivi rwemari.
Kana iwe usingazivi kuti unyanzvi hupi hunyanzvi hwaunogona kupa, kana iwe usingadi kuita iyo iyo yezvipiro yekuzvipira uye kushanda, imwe nzira inogona kunge iri kutora mashizha mashomanana akamirira tafura, chiedza chemwedzi sebhaartender, kana kubysitting.
Funga nezvenzira yawakawana mari mukoroji, uye ramba uchifamba nenzira iyoyo kwemakore mashomanana. Yeuka, iwe haufaniri kuita izvi nekusingaperi, asi kupedza makore mashomanana kuwana mari shoma shoma ikozvino kunogona kuita kusiyana kukuru mune mari yaunayo .
Kuenzanisa Mipiro Yekugara Pamberi
Iye zvino zvatakafukidza kuchengetedza nekuwana, ndiyo nguva yekuisa pfungwa pane zvaunofanira kuita nemari iyi yakawedzera mubhadharo yako.
Kutanga, tsvaga kana kana iwe waunoshandira asingakwanisi kupa chikamu chinokwana 401k . Kana zvakadaro, isa mari yakakwana muhotera yako yekurega kuti iwe uwane zvakakwana pamutambo uyu. Kana iwe usingaiti, iwe uri kusiya mari patafura.
Ndeupi mupiro unoenderana? Ngatitii iwe unoita $ 50,000 pagore. Iwe unosarudza kuisa mazana mashanu emari iyo, kana $ 2 500 pagore, kupinda mune 401k yako. Mushandi wako anopawo dhora-ye-dollar mutengo kusvika pa-5 muzana, zvichireva kuti mushandi anopa imwe $ 2 500 mune 401k yako. Iwe zvino une mari yose ye $ 5,000 mubhuku rako rekubvisa mari, iyo hafu yeiyo yakabuda mubhadharo yako.
Ndinotarisira zviri pachena kuti nei iri mukana wakakosha wekubuda kunze. Kushandisa zvizere nemushandi wako wekufananidza kunofanira kunge iwe iwe unonyanya kukoshesa, kunyange pamusoro pekuwedzera kukwereta kwako chikwereti.
Kutaura nezve ...
Chikwereti Chikwereti
Kana iwe une chikwereti, unofanira kutarisa zvose zvayo. Iwe unogona kuraira zvikwereti zvako mune imwe yenzira mbiri :
Nechido Chinodiwa: Rongai zvikwereti zvenyu muchikwata chechido chakanaka, kubva kune yakakwirira kusvika pasi. Ita mari shoma pane imwe chikwereti chose, asi ipapo isa mari yako yose yakawedzerwa kune chikwereti neyo yepamusoro. Ramba uchibvisa pane izvozvo kusvikira waenda.
Nokuenzanisa: Nyora zvikwereti zvako maererano nekuenzanisa kubva kubva pasi kusvika kune yakakwirira. Ita mari shoma pane imwe chikwereti, asi kanda madhora ose emari yako yakawedzerwa pane chikwereti nechikwereti chiduku. Kana ukangozvibhadhara, iwe uchanzwa kugona kwepfungwa kwekudarika chikwereti ichi kubva pane rako. Izvozvo zvichashanda sechishuvo chekuti iwe urambe uchiruramisa chikwereti chako nehasha.
Zvose izvi ndezvikwereti zvakakodzerwa zvekubhadhara, uye hapana chakanaka chiri nani kana chakaipisisa kupfuura chimwe. Sarudza chero chaunoshandisa iwe.
Hazvina maturo mukubatwa mune imwe nharo yezvinyorwa pamusoro pemishonga maviri ekubhadhara . Mubvunzo unonyanya kukosha ndewokuti iwe uri kuwana mhinduro. Sarudza nzira iyo inogona kukubatsira kuti uwane rusununguko rusununguko.
Kutanga imwe Emergency Fund
Pakupedzisira, gadzira mari yekukurumidzira inomiririra kwemwedzi inenge mitatu kusvika kumatanhatu yemari yako yekugara. Vamwe vanhu vanotora danho iri mberi uye vakarayira kuti mari yenyu inovhara mwedzi 6 kusvika ku 9, asi kubvira patinotanga, inotarirwa kwemwedzi 3 kusvika ku 6, iyo ichanzwa isingatyisidzi. Yeuka, iwe unogona kugara uchiponesa zvimwe gare gare .
Chengetedza mari yako yekukurumidzira yakaparadzana kubva kune dzimwe nhoroondo dzako. Iwe hausi kuda kubatanidza izvi nekuchengetedza kwawakaisa pamagetsi kwegore negore, sezororo kana zororo.
Chengetedza mari yako yekukurumidzira kunze kwekuona uye kunze kwepfungwa kuti uzvipe iwe mukanakisisa wekutadza kuisa iyo nguva ipi zvayo iwe unozviwana iwe pfupi pfupi pamari.
Panguva ino, mune imwe mari yakachengetedza mari, chengetedza mari yegore negore kana kuti dzimwe nguva mari dzakadai sezvipo zvezororo, kufamba, mari-yakabatana mari (kureva kuva chirikadzi kana vanhu vanoita muwanano yevamwe shamwari!), Nguva dzose kugadzirisa motokari nekuchengetedza, zvichiita kuchengetedzwa kwekuchengetedza paimba apo iwe uchiri kurarama muimba yako iripo, uye chero humwe humwe mari inosvika pane zvisiri izvo asi zvisingatarisirwi.
Pfungwa dzekupedzisira pakuzvigadzirira kuti uwane mari kubudirira
Kutanga kwoupenyu hwako hukuru kunogona kuva kwakaoma nekuti mari zhinji inokurova iwe panguva imwe chete. Iwe unoda nzvimbo yekurarama, uye iwe unofanirwa kubhadhara zvinhu, zvifambiso, dzimwe nguva kufamba, uye dzakawanda zvezvimwe zvinodhura zvinosanganisira upenyu hwevanhu vakuru.
Iwe unofanirwa kubhadhara izvi panguva yausina kumbopedza mari kana kuponeswa (nokuti uri mutsva pakuva munhu mukuru), uye panguva yaunowana mubhadharo wekupinda.
Chinokosha chekufamba kuburikidza nezvose izvi kurarama zvakanyanya pasi pezvinhu zvako uye kuramba uchiwana nzira dzekuwana mari yakawanda. Zvichienderana nemhando yebasa raunayo, iwe unogona kumira panzvimbo yekusimudzira pabasa, kuumba rutivi rwemari, kana zvose.
Kana iwe uchikwanisa kuwedzera mari yako apo uchienderera mberi uchirarama semudzidzi wekoroji kwemakore mashomanana kwenguva yakareba kudarika zvakakodzera, unogona kutanga hupenyu hwako pane zvakasimba zvekubhadhara mari.