Tsika yekugara zvakasimba haisi nguva dzose chinhu chakaipa kana zvasvika pamari yako. Tora kuisa mari, somuenzaniso: A-i-uye-uye-akanganwe-kana (,, zvakanyatsojeka, kuisa-iyo-uye-kuongorora-in-it-yese-uye-kazhinji) kusvika kumatanda Kubata mubhuku rako rekurega basa rinenge nguva dzose riri nani kupfuura iye anopindura. Asi pane dzimwe nzira dzakawanda inertia dzinogona kukukuvadza iwe mari.
Kuramba kwenguva yakareba mubasa rekubhadhara pasi, somuenzaniso, rinogona kureva kurasikirwa nekuwana mari. Kukundikana kugadzirisa (kana kuti kugadzira) hurongwa hwehupfumi hunogona kudzoka nemigumisiro yakaipa. Uye wakamirira kukura nekuponesa kwako nekuisa mari? Zvakanaka, ndiyo nguva iwe hauzombofi wakadzoka.
Saka tinoparadzana sei ne inertia? Zvinotanga nekuziva kuti kusaita chimwe chinhu chiri pachako chiito uye chisarudzo-uye zviito zvose zvine mugumisiro. Dzimwe nguva chii chinoita kuti tive nekusingaperi kurikufungidzira mari, marwadzo, kana kuti mari yekuwana kuita chimwe chinhu. Asi hatinyatsoongorori flipside: Mari, marwadzo kana mukana wekutadza kusaita.
Kuti ugadzirise chinetso chako, funga zvakare kuchikoro chesekondari yepamusoro-kunyanya Mutemo wekutanga weNewton, unoti chimwe chinhu chiri zororo chichagara pazororo kunze kwekuitwa kunoitwa kunze kwemasimba. "Kana pane inertia, unoda chimwe chinhu kubva kunze kuti upinde uye kukupa kambani kadiki," anodaro Sarah Newcomb, nyanzvi yezvematongerwo enyika pa Morningstar.
"Inertia haina kuzvigadzirisa pachayo. Iwe unofanira kuita chimwe chinhu pamusoro payo. "
Heano nzira nhatu inertia inokukuvadza iwe nguva huru - uye kuti ungasvika sei mberi kwayo.
Kumirira kuchengetedza nekutsvaga
Dambudziko: Kurwisa inertia kune dudziro zvakaoma kuita, kunyanya kune vanhu vanoda kufarira mhinduro dzose vasati vapinda mune chimwe chinhu.
Asi munyika yekutsvaga mari, hapana mhinduro dzakakwana - saka zvinogona kuti hauzombofi uchinzwa 100 muzana yakagadzirira. "Chimwe chezvikanganiso zvakanyanya vanhu vanoita ndezvokunonoka kuisa mari yavo kushanda" nokuti vanonetseka kuti vachazviona zvisina kururama uye vanorasikirwa nemari, anodaro Ken Hevert, mukuru mukuru vamiririri wekusununguka paFidelity Investments. Inguva yakakodzera yekuisa mari here? Zvakadini kana mitengo inoderera? Zvakadini kana ndikasarudza mari isiri iyo ?
Izvi zvose zvinonzwisisika - asi zvisingachinji - mibvunzo. Iwe uchava nekutora uye kurasikirwa mumusika, asi kungove uri mauri mune mukana wekuwana izvi zvakanyanya pane zvakaipa. Kusiyana neizvi, kana iwe uri kukanganisa mari yako pasi petirasi kana mune rekuchengetedza kambani, iwe watotora iko kusina kunaka, sekuperera kwezvinhu zvinoreva iwe uri kurasikirwa nemari.
The Fix: Dhora-mari inoshandiswa inogona kubatsira kubvisa kutya kwako. Paunenge uine dhora-mari inodhura, uri kuisa mari yako mumusika pane nguva nguva dzose. Iti iwe une $ 5,000 kuti uite mari: Panzvimbo yekuisa mari yakazara kushanda pakarepo, unogona kushandisa iyo $ 5,000 pamakore emavhiki kana mwedzi. Zviri nyore mupfungwa nokuti uri kudonha chinetso (uye chikamu chemari yako) mumvura yekutsvaga panzvimbo yekufambisa mukati.
Iwe uri kuzviparadzanisa iwe pachako uchiedza kuedza nguva nguva yemusika, anodaro Hevert. Uye iwe unokwanisazve kubvisa manzwiro kubva ku-equation nekugadzirisa aya mabhizimisi, saka haufaniri kutarisana nekutya nguva dzose paunoisa chikamu chemari yacho.
Kuramba Uchinguva Muduku Mubasa Risiri Kubhadhara
Dambudziko: Hakuna munhu anongoronga rimwe zuva ravachapedza makore achishanda zvishoma kudarika zvavanofanira. Asi kuisa maonero ako pakusarudza kuri nani zviri nani kungave chinhu chakaoma kuita. Sei? Icho chinouya kune pfungwa yepfungwa yekuti iwe pachako inokosha, inoti Financial Life Coach Garrett Philbin, nheyo yewebsite ye Be Beyond Not Broke. "Iwe unobvunza kuti: 'Ndinonyatsokodzera kuwana mari yakawanda here?'"
Uye kana iwe ukagara kwenguva yakareba sezvizvi, zvakaoma kuti uende. (Makireniyoni, tora nharo: Zvinonyanya kukosha kuti uwane zvakawanda sezvaunogona mumatanho ekutanga emabasa ako, nokuti zvose zvinotevera zvinomutsa nekuwedzera zvinowanzove zvichienderana nemari yako yapfuura.) Kunyange kana munhu angashandira mushandirwi asingazivi izvo zvawakaita pabasa rako rekupedzisira, zvingangodaro zvinokonzera pfungwa yako yezvaunogona kukumbira.
"Kana iwe usingazvikoshese iwe pachako, saka nei mumwe munhu achizokubhadhara mari yakawanda?" Anodaro Philbin.
The Fix: Unofanira kuwedzera kukosha kwaunoona iwe pachako. Imwe nzira yekutanga ndeyokutsvaga zvauri kuita iye pabasa. Tarisa pane tsanangudzo yekutanga yebasa uye zvinotarisirwa nemubatsiri wako, uye uzvienzanise nemhinduro dzawakagamuchira uye chero nhamba dzekrete dzinoratidza kushanda kwako (sekutengesa kana maitiro). Unganidza izvi zvose mufaira yakanzi "zviitiko" zvaunowedzera gore rose. Zvadaro, shandisa nzvimbo yakadai sePayScale kuti inyore zita rako rebasa, mabasa, guta nekambani ushizha - ichakupa muvhareji wevamwe kune imwe nzvimbo. Kana uchida kuramba uri mubasa rako remazuva ano (kana nekambani yako iripo) bvunza musangano wokudzokorora, uye woisa nyaya yako. Kana kambani yako isingagoni kukupa kukurudzira kwaunenge uchitsvaka, inguva yekutanga kutarisa mamwe mikana. Uye kana mikana iyoyo ichishandurudzwa, uye ivo vanobvunza pamusoro pezvinangwa zvemari yako, mhinduro yako inofanira kunge yakavakirwa pakutsvakurudza kwawakaita pane basa rako rinofanirwa - kwete pamari yako yazvino.
Kuita zvinhu paIndaneti
Dambudziko: Hapana anofarira kufunga nezvekufa. Asi 44 muzana yeAmerica vane chido nemirairo yekubata mari yavo neimba, maererano nechisarudzo cha2016 Gallup. Chikonzero chinonyanya kutaurwa? "Handisati ndawana," inodaro Caring.com. Ndiyo inertia muchidimbu.
Asi kusika kuda - pamwe nemirairo yekuchengetedza utano uye simba regweta rezvemari, kana iwe usina kukwanisa - zvakakosha. Pasina zvose zvezvinhu izvi, hurumende inogona kusaratidza kuti ndiani anogamuchira nhaka yako mushure mokufa, asi ndiani achachengeta vana vako. Chido ndicho chete chirongwa chinokubvumira kutumidza vatariri vevana vaduku.
Iyo Yakagadzirisa: Ita yakasangana chaiyo - kudzivisa nguva mukarenda yako - kuti izvi zviitike. Kana iwe uine mumwe wako, iwe watova nemumwe wako kuti akuchengetedze pane izvi. Kana iwe usingaiti, tora shamwari isingadi uye ita kuti iye aite zvakafanana nokuda kwekarani yake, saka iwe unogona kuchengetedzana. Zvadaro, nokuda kwekutarisa, ita urongwa hwezvaunazvo uye kuti iwe unayo sei, uyewo shomanana yevanhu vaunogona kuvimba kuti vakuitirei nokuda kwekutarisira mari uye nezvehutano. Iwe unogona kuumba DIY paIndaneti (WillMaker yaNolo.com inodhura madhora 55, uye LegalZoom's DIY inotanga pa $ 69) kana kubhadhara gweta kana gweta-mazano gweta kuti akuitire imwe, kutanga panenge madhora mazana mashanu. (An-ari pakati: Unogonawo kubhadhara unyanzvi kuti utarise pane yako DIY inoda.) Uye Paul Jacobs, Chief Investment Officer wePalisades Hudson Financial Group, anorondedzera imwe njodzi ye inertia: Kukundikana kuchengetedza hurongwa hwehurombo hunovandudzwa. Anoratidzira kudzokerazve kuronga hurongwa hwako makore matatu kusvika mashanu kana zvakadaro, kana nguva dzose kana mamiriro ako ezvinhu achichinja zvikuru.
NaHayden Field