Unoda kuumba sheyo yakasimba yezvemari? Aya mazano anobatsira
Vanhu vazhinji vanondibvunza ini zvandinofunga kuti ramangwana ringabata. "Ndeupi mutengo unozoita gore rinotevera?" Ivo vachati, kana, "Ndeipi rudzi rwekutsvaira kwemashizha?"
Asi aya mibvunzo isiri iyo yaunobvunza.
Kuramba mune ramangwana rezvemari risingabvi hazvibvi pakutevera mamwe mapenzi emvura inotonhorera. Inobva mukutevera marongerwo emitemo inokosha inodzora nzira yaunoshandisa nayo mari yako kwenguva refu.
Zvakakoshawo kudzivisa njodzi dzemari pamutengo wose.
Hezvino zvinhu zvishoma zvaunofanira kuziva kuitira kuti uwane hupfumi hwakawanda mune hupenyu hwako.
Shandisa Zvishoma Kupfuura Iwe Zvaunowana
Ndinoziva izvi zvinonzwisisika, asi zvakanyanya kukunda kupfuura vanhu vazhinji vanofunga.
Kutenga zvishoma kudarika iwe unowanikwa hakusi mhedziso yekutengesa mabhizimisi kutengesa. Icho chigumisiro chekudzivisa kutengesa kusingakoshi munzvimbo yekutanga.
Kune zvakawanda zvekutengeserana zvakagadzirirwa kuita kuti tifunge kuti tiri kuchengetedza mari nekutenga chimwe chinhu pakuderedzwa. Zvisinei, zvose zvatiri kuita ndezvokushandisa mari zvatisingazoshandisa .
Uyezve, kupedza zvishoma kudarika iwe unogona kuwana kubva pakuisa pfungwa pazwi rinokosha pakuguma kwemutsara iwoyo: pfuma.
Kana iwe unofunga nezvekuwana mari yakawanda uchichengetedza mari yako yauri kushandisa panguva imwechete, iwe uchawedzera kupesana pakati pemari yako nemari yako. Kuwedzera kwekuti goro rinokura, zviri nani nzvimbo yaunenge uri.
Chengetedza Mhando Yechibhadharo
Iwe haufaniri kunge uchifanira kuchengetedza rondedzero yakazara yemari yemari iyo inonyanya kukosha kwemari yaunoshandisa pamakumbo ekak uye pepurasitiki.
Iwe unogona kuchengeta bhadha-huru yemifananidzo iyo inotarisa pane dzakawanda pane nzvimbo panzvimbo . Somuenzaniso, unogona kuchengeta bhajeti inoratidzira mari yaunoshandisa munzvimbo dzose dzemari.
Izvi zvinogona kusanganisira rendi yako kana kutora chikwereti, zvishandiso, fesheni, kumba kwekuchengetedza, uye chero chinhu chipi zvacho chingave chinoratidzirwa sevakasangana neimba.
Iwe unogona kuva nechikamu chechipiri chakanyatsobatana kune chero chinosanganisira kutakura. Izvi zvinogona kusanganisira motokari yako yebhadharo, petrooline, kugadzirisa motokari, gwagwa rinoenda pasi, uye nezvimwe.
Ipapo iwe unogona kuva nechikwata chekuchengeta, chimwe chekubhadhara chikwereti, uye chimwe chezvinhu zvose. Hongu, iyo inoshandisa bhajeti yakawanda , asi iyo inokubvumira kuti uone panzvimbo yakakwirira apo mari yako iri kuenda.
Yakazorora uye yakajeka bhajeti chimwe chinhu chandinotaridzira sechirongwa chebhajethi . Pfungwa iri shure kwayo inoshamisa zvikuru.
Unofunga kuti mari yaunoda kuchengetedza mwedzi wega wega, tora chiyero ichi kubva kumusoro, uye ugare kune vamwe vose. Chero bedzi uchingosangana nemari yako yakananga, hazvibatsiri mari yakawanda yaunoshandisa pamatinhi mairi nepamusoro pekupa mazino.
Zvose zvinokosha ndezvokuti iwe pakupedzisira unosangana nechinangwa chako chekuchengetedza. Nenzira, apo ini ndichitaura nezvekuchengetedza, ndiri kutaura pamusoro pebasa rose rinowedzera mari yako. Mienzaniso inosanganisira kubhadharisa chikwereti nechisimba, zvichibatsira kumakoro enyu ekurega, kana kuunganidza mari chaiye mubhangi.
Ngwarira Mari
Kana iwe uchizove wakabatana mune imwe nzvimbo yehupenyu hwako, iva nechokwadi chokuti iwe unobatsira pamusoro pekubhadhara mari yako .
Mari zhinji inotenga mari yekutenga kana kuregererwa kwemari, izvo zvinoreva kuti iwe uchabhadhara mari kupinda kana kubuda muhomwe iyoyo.
Mukuwedzera, mari zhinji ine mari inoramba iine mari iyo inoshandiswa gore roga roga inobva mumari yako. Imari inonzwa isingaoneki nokuti haufaniri kunyora cheki kwavari kana kuaona pamashoko ako. Vanobviswa zvinyararire kubva pane zvamunodzoka, asi izvozvo hazviiti kuti vasave vechokwadi.
Ita zvinhu zvine chokuita nekusarudza kwako mari. Zvose Vanguard naCharles Schwab vanopa mari shoma yehurumende yemari inotarisa misika yakawanda.
Chengeta Zvitatu Zvako Zvikuru Zvikuru Zvitsuwa
Idzi dzimba, kutakura, uye zvokudya. Pane mukana wakanaka kwazvo kuti hausi kuzoshandisa mari pane chimwe chinhu chinopfuura chiyero chaunoshandisa pane izvi zvitatu.
Kana uchikwanisa kuderedza dzimba dzako, kutakura, uye zvokudya zvekudya, iwe uchaita hutsva hukuru mukuvandudza mararamiro ako emari.
Ita Savings Automatic
Gadzirai mari kubva kune imwe mubhadharo kuenda kumabhengi ekurega, mabhengi ekuchengetedza, uye mimwe chikwereti chikwereti.
Kunyanya kuti iwe unogona kushandura izvi zvakachengetwa, panzvimbo yekuzviita nemaune, zvinowanzoita kuti uomerere pane chirongwa chako.