Nepo vanhu vazhinji vachizvidya mwoyo pamusoro pekudzivirira mari yavo yekukurumidza uye vachizviisa pachena, pane chinhu chakadai sekuwedzera mari?
Zvine kuchenjera here kuti uve nemari yakawanda yemari yako yakagara zvakapoteredza apo ingangodaro ichiita huru, yakaipa zvinhu?
Kunyangwe Kuve Nokukuru Kwakawanda kweEergency Fund Kungakukuvadza Iwe
Uri Kurasikirwa Nemari
Sezvo mari yekukurumidzira inofanira kuwanikwa, nzvimbo yakanakisisa yekuvaponesa iri mubhengi rekuchengetedza pabhangi rako kana chikwereti chekubatana, kana kuti inogona kubhadhara chikwata chapamusoro kudarika pane brick-uye-mortar institution.
Asi kunyange pamagumo "akakwirira," mari yako ichiri kungowana mari inenge 1 muzana gore negore. Mari yako yekukurumidzira, zvisinei nokuti iwe wakachengetedzei, haisi kubuda kweplation , saka uri kurasikirwa nemari. Kuva nezvakawanda mukati mazvo kupfuura iwe unoda kuwedzera kurasikirwa kwako.
Iwe Unorasikirwa Nekubhadhara Dzimwe Zvimwe Zvemari
Kana uine mari yakawanda yakasungirirwa mune mari yako yekukurumidzira , iwe uri kurasikirwa nemikana yekutarisira zvimwe zvekukosha zvezvemari "kuita" sekuita kuti uite basa rekurega basa, kubhadhara chikwereti, kana kuchengetedza kubhadhara kuripo pamusha .
Mari yako ichave iri nani-inoshandiswa kusangana imwe yezvinangwa izvi pane kudarika-kubhadhara mari yako yekukurumidza. Sei uchifanira kungoita zvinopfuura zvakakosha mune izvo zvinonyanya kukosha, kana iwe uchigona kubhadhara chikwereti chekwereti chikwereti chekwereti ?
Kuwana Mutero Pakati Pezvakawanda uye Zvakawandisa
Funga Nezvakakurudzirwa
Kazhinji zvinokurudzirwa kuti iwe uchengetedze pane imwe nguva pakati pemwedzi mitatu kusvika kumatanhatu yemari mubhadharo rako rinokurumidza.
Dzimwe nyanzvi dzinokurudzira sepashoma semadhora mazana emadhora kuti uite ne "kutanga kwechirwere chekukurumidzira," uye vamwe vanotaura zvakanyanya segore kana kupfuura zvekuwana kwako.
Mukuwedzera pakufungisisa mazano, ramba uchifunga nezvezvinhu zvakasangana nemamiriro ako ezvinhu sehutano hwemhuri, kana iwe uri wega kana kuti webhadhare, nhamba yemotokari dzaunayo, basa rakagadzikana, nezvimwe zvakadaro.
Bata Your Emergency Fund Seyunivesiti
Chikamu chako chekukurumidzira chinonyanya kushandiswa kweinishuwarenzi : Uri kuzvidzivirira kana chimwe chinhu chisina kuipa. Saka taurira mari yako yekukurumidzira nenzira imwecheteyo yaunoswedera nayo kuzvifukidza iwe, ichiti, motokari kana inshuwarisi yehupenyu.
Iwe unoda kusarudza chinyorwa chakakwana , asi iwe haugoni kusarudza zvakanyanya kuti uri kuparadza mari yako pazvikwereti (kana mune iyi nyaya, kuva nemari yako kugara uchikomberedza kuwana zvisiri izvo). Sezvo iwe unogona kuongorora pane dzimwe nzira dze inshuwarisi iwe usingafungi kuti iwe unogona kushandisa , saizvozvo iwe unogona kuenda zvishoma pasi pekuchengetedza kwako kwekukurumidzira kana iwe unonzwa sokuti mari yako inenge yakachengeteka.
Kana mwedzi mitatu yekubhadhara ichave yakakwana munyika yako uye iwe unogona kurara usiku neyoyo nhamba, saka usanzwa uchinetseka kuenda kune izvozvi.
Funga Zvimwe Zvimwe Zvokutora Zvokudya Zvokukurumidza Zvokuchengetedza
Kuva nemari yakagadziriswa nekuda kwekukurumidzira kuchakudzivirira kubva pakukwereta munguva yako yekushaiwa, ingave iri kuburikidza nekadhi rechikwereti kana kubva kune shamwari kana hama, uye ichakubatsirawo kuti usapinda muakaunti yako yekurega.
Izvozvo zvichiti, kana iwe uchipa rupo kuRoth IRA , ziva kuti unogona kubvisa mari yezvemari pasina kurapa (kunewo zvipo zvekutenga imba yako yekutanga). Ngwarira kuti uri kubvisa mari kubva pakuwana chido, naizvozvo izvi zvinofanira kuonekwa sechimwe chinhu chekupedzisira, asi chokwadi kune imwe yekufunga usati wagadzirisa dambudziko rako nekukwereta. Chengetai ichi mupfungwa seurongwa hwekuchengetedza kana iwe uchinzwa uchiedzwa kuti udzivirire mari yako yekukurumidza.
Uyewo ziva kuti kana chiitiko chekurasikirwa kwebasa, kusarirwa kwebasa kuchaderedza mari yaunoda kubvisa kubva pane yako yekugadzirisa, kana iwe uchikodzera.
Your Emergency Fund Inofanira Kutsigira Mari Yenyu Yenhepfenyuro
Uchenjeri huripo hunogona kukuudza iwe mukuru wako mari yekukurumidzira, zviri nani. Asi cherechedza kuti mukupedza mari yako yekukurumidza, unogona kukuvadza pasi rako.
Kunyange zvazvo mhinduro yekuti mari yakawanda inofanira kunge iri muhomwe yako haisi yakakura-imwe-inokodzera-yose, tora mazano aya uchifungisisa kuti uone hutano hwakakosha huripo iwe uye usapinda mutsetse kuti uve nezvakawandisa mumari yako.
Iva nechokwadi chekuti mari yako yekukurumidzira iri kushanda pamwe chete neurongwa hwehupfumi hwako hwose uye kwete kwete nayo.