Ndeipi Kwaunofanira Kuchengeta Mari Yako?
Vanhu vakawanda vanochengeta mari yavo mune imwe gwaro rekuchengetedza, uye mari dzavo dzemwedzi dzinochengeterwa muchengeti yekuongorora kana mabhizimusi ari paIndaneti. Vamwe havatendi mumabhangi (zvikurukuru maduku maduku) uye vanobatisisa mari yavo mumavhopupu.
Panguva ino, vanhu vakawanda havaoni nhamba yezvasarudzo zvinowanikwa kuchengetedza mari yavo yose yakarongeka , kana chinangwa icho nhoroondo dzakasiyana dzingave nadzo.
Tichazoenda mune dzimwe nzira dzinoshandiswa zvikuru pazvinosvika pane iwe unofanirwa kuchengeta mari yako kuitira kuti ugone kuisa iyo inonyanya kukosha.
Daily Expenses
Kana iwe uchida kuwana mari yako pakarepo pamari yezuva nezuva, kuchenjera kuichengeta iyo kuongorora kero yako kuitira kuti uwane kadhi yako yebhengi kuti ubhadhara zvinhu. (Zvichida, zvechokwadi, iwe unogona kungotakura mari uye urichengetedze muchikwama chako.)
Zvisinei, nguva dzose ita nechokwadi chekuti uchengetedze chikwata chako chekutarisa kuti udzivise mari yepamusoro. Somuenzaniso, vanoti iwe wakakanganwa iwe waive nebhadharo yemwedzi wega wekubviswa kubva ku-akhawunti yako, uye kutenga zvingwa zvemasikati muhutano husina kunaka. Iwe ucharohwa nemari yekubhadhara mari, zvichienderana nemitemo yebhangi rako.
Hondo yeBhangi
Hauna kambani yebhangi zvakare, kana uri kufunga nezvekuchinja mabhanga? Vanhu vazhinji havazive kuti kune matanho ezvimwe zvingasarudzwa pazvinosvika kune masangano aunobata mari yako, semabhengi ezvitini uye matope uye "mazita makuru" ndiwo anowanzouya mupfungwa.
Kune mabhenji emunharaunda, mabhizimisi-ari mabhanga chete, uye zvikwereti zvekwereti , kutumidza mashomanana. Mukati mavo, pangava nemazano ekubhadhara (pamwe nekukurudzirwa), mazai makuru-ezere, nezvimwe.
Neine zvakawanda zvingasarudzwa, zvingava zvakaoma kusarudza, saka pano chinhu chimwe chete chaunofanira kuchengeta mupfungwa: sarudza bhangi nemari shoma yemari.
Iwe haufaniri kubhadhara kubhadhara mari yemwedzi pamabhengi kuitira kuti uchengete mari yako ipapo.
Kazhinji pane zvisiri, mabhizimusi-e-mabhangi chete, mabhenji emunharaunda, uye zvikwereti zvekwereti zvine mari shoma yemari. Nzvimbo dzepaIndaneti-dzinongova nechepamusoro kwepamusoro nekuti hapana nzvimbo dzepanyama, uye dzakanaka chaizvo. Mabanki emunharaunda uye zvikwereti zvekwereti zvinotarisa kune vanhu vavanoshumira uye vanonyatsoremekedzwa nemari yemari uye mari.
Zvinosuruvarisa, uye chero ipi zvayo mazita makuru kunze uko, iwe uchasangana neakaurawa yemari, zviduku zvidhi uye zviyero, nezvimwe zvinoda. Bhengi inofanira kunge iri nyore, saka verenga kuverenga kwakanaka kutanga.
Emergency Fund
Vanhu vazhinji vanochengetedza mari yavo yekukurumidzira yakavharidzirwa nemari yavo yakawanda , asi izvi zvingava kukanganisa, zvichienderana nekuwanda kwekuzvidzora kwaunako.
Emergency funds inongowanikwa chete kana pane chirwere chaiicho . Dambudziko nderokuti munhu wose ane tsanangudzo yakasiyana yeiyo inomirira dambudziko. Nyanzvi dzakawanda dzinoti mari yekukurumidzira ndeyezvinhu zvisingakwanisi kutarisira mberi kwekanguva , kana nekuda kwemamiriro ezvinhu akaoma, sekurasika kwebasa. Saka, uchida kutenga mbatya itsva, asi usina mari yakakwana mubhengi rako rebhangi, haisi dambudziko.
Haisi chinhu chinodiwa kana kuti chinokosha pakupona.
Kana iwe usingakwanisi kuvimba newe kuti usiye mari yako yekukurumidzira iwe pachako kusvikira iwe uchida, unofanira iwe kuzarura kambani yekuchengetedza pane imwe nzvimbo yakasiyana kubva pane yako yekuchengetedza keseti.
Sei? Nemhaka yekuti matanho aunoda kutora kuti uwane mari yacho, zvishoma ndezvokuti iwe uedze uye uzvishandise apo iwe haufaniri.
Chinhu chinosarudzwa ndechokugadzirisa kambani yekuchengetedza iri muIndaneti chete. Vanowanzokurumidza kukurumidza uye nyore kuzarura uye hazvirevi kuenda kunebazi. Uyezve, hauzombofi wakaedzwa kuti uende kuATM kuti ubvise mari, asi iwe unogona kutamisa mari yako pavanenge vachida.
Zvokuchengetedza kwenguva refu Zvinangwa
Saka, zvakadini nezvezvinangwa zvokuchengetedza zvaunenge uchatora makore matatu kusvika mashanu, kana kupfuura, kuti uite?
Iwe unogona kuda kuzarura ega ega e-savings accounts kune imwe yeiyi.
Chii chinyorwa chekuchengetedza? Dzimwe mabhangi dzinokubvumira kuti uzarure imwe yenyaya huru yekuchengetedza , ne "sub" nhoroondo dzakabatana nayo. Saka iwe unogona kushandisa gwaro rekuchengetedza rako rekuchengetedza kwenguva shoma, uye unozarura mazana e-akhawunti ezvinhu zvakadai sokufamba, kombiyuta itsva, motokari itsva, nezvimwewo.
Zvinogona kuva vakachenjera kuparadzanisa zvinangwa zvako zvekuchengeta. Kana iwe uine imwe huru yekuchengetera kambani neinenge $ 20,000, asi iwe uri kuchengetedza muchato , kubhadhara kuri pamotokari, pamwe chete nezororo, unoitei? Iwe unogona kuomerwa nekuisa chinangwa chako pachako.
Kuva neakazvinyorwa zvikamu zvakakonzerwa zvakananga kune chinangwa chimwe nechimwe zvinoita kuti zvive nyore kutaurira kana wasvika kwavari, uye kutora mari yacho hakuiti kupindirana nezvimwe zvinangwa zvako. Saka, somuenzaniso, ngatitorei $ 20,000 pamusoro. Iwe une $ 10 000 mubhuku re "wedding" yako, $ 7,000 mu "motokari yako yekubhadhara" account, uye $ 3,000 mu "account" yako.
Chinangwa chenyu chimwe nechimwe ndeche $ 20,000, $ 10 000, uye $ 3,000 maererano. Iwe unoziva kuti wakabata purogiramu yako yekuchengetedza mazororo, saka unoshandura mari yawakachengetedza kune yako yezororo kumotokari yako pasi pasi yekubhadhara uye uchitanga kuronga rwendo rwako.
Kana iwe waive nechikwereti chema $ 20,000 munhoroondo yako, iwe ungangodaro wakanga uchinge wakazeza kubvisa chero ipi zvayo yezororo rako sezvo uri kushanda pane zvimwe zvinangwa zviviri zvinokosha.
Mabhengi mazhinji, kunyanya mabhangi ari muIndaneti, achakubvumira kuti uzarure mari isingagumi yemabhuku ekuchengetedza. Kubvira ipapo, unogona kuisa kamwe chete kuwedzerwa kubva kuongororo yako yekuongorora kune imwe neimwe yezvikwereti izvi .
Nguva Yokuchengetedza Nguva
Hatisi kutaura nezvekuponesa kune zvinangwa pano. Pane kudaro, izvi zvinosarudzwa kune avo vanotova nemari yakawanda yakachengetedzwa, asi havatarisiri kuti vaite mari yacho kwenguva refu (5+ years).
Kana uri kutsvaga nzvimbo yekuisa mari yako kwemakore mashomanana, Money Market Accounts uye CDs (Certificate of Deposits ) inogona kuva mhinduro yako. Iyi nhoroondo dzekuchengetedza dzinofanirwa kuva nepamusoro-shanduro yepamutengo kudarika zvikwereti zvekuchengeta mari.
Kana ukasarudza kuzarura Ada Money Market kana CD, pane zvinhu zvishoma zvaunofanira kunzwisisa pakutanga. Mari yeMakethe Accounts yakafanana nehuwandu hwekuongorora nekuchengetedza kwekodha, sezvo iwe unogona kunyora zvishoma zvicheki kubva kune imwe. Mari yeMakethe Accounts inowedzerawo mune zvivimbiso, kusiyana nemakachengetwa ekuchengetwa kwekodzero, ndicho chikonzero iwe ungakwanisa kuwana mukana wekuda mari.
CDs dzakasiyana pakuti dzakagadzirisa mazuva ekukura, zvinoreva kana iwe ukazarura imwe, iwe unofanira kuchengeta mari yako imomo kune imwe nguva yenguva. Nokudaro, kana iwe uchida kutora mari kunze kwekuti CD isati yakura, iwe uchasangana nekambomira kutora chirango. Kuwanda kwechirango kunobva pane zvinyorwa zveCD. Nezvo zvakati, ma CD haasiwo mazano akanaka emari yekukurumidzira nokuti iwe unoda kuti mari iwane nyore kusina mhosva kana uchida.
Zvose izvi nhoroondo idzi dzinogonawo kutora mabhadharo ekuzarura kune ereji dzekuchengeta mari. Semuenzaniso, iwe unogona kunge uine $ 10 000 kuti uise muakaunti yacho kana yakasununguka, asi dzimwe mari dzekuchengetedza dzinogona kuvhurwa pamwe chete ne $ 10.
Retirement Savings
Hazvina mhosva kuti uri kupi mubasa rako, iwe unofanirwa kugadzirisa kuchengetedza basa rinokosha. Kugadzirisa zvigadziriswa zvinowanzobva pamari yako ndeimwe yenzira dziri nyore kuita izvi. Kana iwe uri woga, tarisa mu SEP IRAs.
Chero bedzi iwe usiri kuwana mari isina musoro, unofanirwa kuzarura IRA, iyo inokosha kana iwe waunoshandira asina kupa 401 (k). Mari haigoni kubviswa kubva kuIRA pasina chirango kusvikira iwe uchisvika makore makumi mashanu nemakumi mashanu, kunze kwekuda kwechiitiko chakakosha, sekutenga imba yako yekutanga. Iwe unogonawo kubvisa zvipo zvawakaita kuRoth IRA pasina chikwata.
401 (k) s zvakafanana mune kuti iwe uchasangana nemitengo yekutora zvishoma, asi chinhu chakanaka pamusoro pe 401 (k) ndechokuti iwe waunoshandira angapa kuti aenzane nemipiro yako kusvika pane imwe mari. Izvo zvinowanikwa mazano ezvehupfumi zvinoreva kugovera kusvika pamutambo, uye zvichienderana nekudzoka kwakadini 401 (k) inobereka, iwe unogona kugovera zvimwe zvacho kuIRA (sezvo une humwe hutungamiri uye hunoenderana nemari).
Kuchengetedza Dzidzo
Iwe unoda kubhadhara dzidzo yemwana wako here? Zvadaro funga nezvekuzarura Purogiramu Yekuponesa 529 , sezvo iyo nhoroondo inonyanya kuchengetedza dzidzo yemumwe munhu mune ramangwana. Iwe unogona kuzarura kune chero munhu anobatsira - kwete mwana wako chete, asi muzukuru, shamwari, kana hama.
Kana wakanga uri kuchengetedza mari munyaya yekuchengetedza yenguva dzose, izvo zvingasava zvakakwana kukurira mutengo. Kana mwana wako ari muduku uye achiri kutora nzira yakareba yekuenda kuchikoroji, mari yebhasiyo ichakwira, uye iwe unoda kuisa mari yako pane imwe nzvimbo inogona kuchengetedza, uye kubhadhara mitero ye 529 inokosha zvikuru.
529 Zvirongwa zvinotsigirwa nemumwe wezvematongerwo enyika kana masangano ehurumende uye inogona kuvhurwa nemamwe masangano emari. Iwe uchasangana nemhando mbiri dzezvirongwa: kubhadharwa, uye kuchengetwa. Dzimwe nyanzvi dzinokurudzira pamusoro pezvirongwa zvekare zvisati zvabhadharwa nokuda kwezvikonzero zvakawanda, saka iva nechokwadi chekuita tsvakurudzo usati wasarudza zvakakunakira iwe.
Iwewo hausi wega purogiramu yako chaiyo 529, saka zvakakosha kutengesa kumativi ose uye kuenzanisa nemari uye nhoroondo yekuita mari yakasiyana. Dzimwe nyika dzinopa kukurudzira, uye 529 Plani inewo mitero yakawanda inobatsira.
Chengeta Mari Yako Yakarongeka
Sezvaunogona kuona, kune zvakawanda zvokusarudza kana zvasvika paunofanira kuchengeta mari yako. Iwe haudi matani ezvinyorwa zvakasiyana, asi iva nechokwadi chokuti mabhuku aunazvo ari kusangana nezvido zvako zvemari.