Vanhu vazhinji vanogona kuita zvakawanda kutambanudza mari yavo kuti vawane zvakawanda zvezvavanoshandisa. Zvingava zvakanaka kufambisa wand magic uye kamwe kamwe une mari yakakwana yekuvhara zvese zvezvikwereti zvako zvine zvakawanda zvakasara kuti ufare. Ichokwadi ndechokuti matengo ari kukwira uye iwe unogona kuita zvakawanda kuti uwedzere mari yako yekubhadhara kuti uone kukwira kwemari. Kunomutsa, kunyange mari yekurarama inomuka, haisi nyore nyore kuwana apo hupfumi huri kuderera.
Uye vanhu vazhinji vanoonga kuva nebasa chete. Kana iwe uri kubhadharwa nebhadhiro rebhadhiro rakabhadharwa , iwe unogona kuoma pane zvakawanda nekuda kwemari yakavanzwa. Inguva yekumbundira mararamiro ehupenyu . Dzidza nzira dzakajeka dzekutambanudza mubhadharo wako.
1. Budget
Izvi zvingaita sokuti hazvisi nzira yekuzarura mari yako yekubhadhara, asi kana ukanyatsoronga kuti unoda sei kushandisa mari yako, uchava nemari yakawanda yekushandisa pazvinhu zvaunoda. Kana iwe usina chirongwa, mari yako ichakurumidza kuparara sezvo uchiedza kubhadhara mari yako. Bhijheti ndechimwe chezvinhu zvako zvakasimba zvokushandisa mari yekushandisa mari. Inogona kunge yakajeka sezvaunoda kuti uve kuitira kuti mwedzi umwe iwe upedze zvakawanda pamahotera ako ezororo uye udzoke shure kudya kunze kana mune dzimwe nzvimbo. Chirongwa chinokubvumira kuisa zvinhu pakutanga nenzira yaunoda kuti iwe ugone kubudirira. Izvo bhajheji yako nekugadzira mari yekukurumidzira zvose zvinokosha kana iwe uchida kurega kurarama kubva pabhadhakiti kuti ubhadharwe .
Iwe unogona kuedza nzira idzi 15 dzekutanga kuponesa nhasi kuti ubatsire kuita bhajeti nyore.
2. Tarisa paZvinyorwa Zvako
Nhoroondo yekushandisa mari yakashandurwa, mwedzi miviri yekubhadhara mari, uye yehutano yehutano yepayimusi inogona kuderedza mari iyo IRS inotora, uye iwe haugone kuwana muchero mukuru mubhadharo yako. Vhura vanyori vezvipurogiramu izvi zvinowanzosvika pakuwa, uye iwe unofanira kutora mazviri ikozvino kana iwe usati watove.
Nhoroondo yekushandisa yakashandura inokubvumira kuisa mari yekutarisira utano kana yekuwana vana mari usati watererwa, kuchengetedza mari. Iwe unobhadharwa nekuda kwezvikwereti izvi kana iwe uchibhadhara kana kuti kambani yako inogona kuva nekadhi yebhadhiro yaunogona kuvashandisa. Kana iwe usingazvishandise, iwe ucharasikirwa nechibatsiro.
Mipiro yemari inobhadharwa inouya inotangira mitero kana iwe une tsika yekodzero 401 (k) . Uyezve, iwe hauna kubhadharwa pane izvo waunoshandira anopa iyo compte, saka iwe unofanirwa kubhadhara zvizere nekambani yemakambani ako, iyo mari yekubvisa kwako mari yausingadi kugovera.
3. Tenga Zvakanakisisa Zvirongwa
Iko kunoda kutengesa kwezinga rakanaka pane foni yako, yako cable cable, motokari yveshuwarisi, uye nhengo yako yekutamba gore negore. Vashandi vatsva vanopiwa maitiro akanaka kune vanotengesa vatengi. Kana iwe ukasainira chikamu, iwe unofanira kutengesa nguva imwe neimwe iyo chibvumirano chako chakasimudzwa kuti chivandudzwe. Izvi zvinogona kuderedza mari yako yemwedzi, pasina basa rakawandisa, uye kuita kuti mari yako iende mberi. Uyezve, unogona kufunga kuderedza zvirongwa zvako maminitsi, kana nzira dzokuderedza mari yako yemwedzi, kunyanya kana iwe usingashandisi mwedzi woga woga.
4. Dzivisa chikwereti
Iwe unogona kuita kuti mari yako iende mberi kana iwe usingadi kubhadhara chikwereti kubhangi.
Funga nezvazvo, kana ukashandisa kadhi rechikwereti kutenga chinhu nokuti chiri kutengeswa, asi kungoita bhadhari shoma iwe uchabhadhara zvakawanda zvakawanda pane zvawakachengetedza pakutanga. Kubhadhara nemari (kana kuti makadhi debit) kunokupa simba rinopfuura rekushandisa dhora rako. Kana iwe usingadi kuti uite chero chikwereti chemwedzi wekubhadhara iwe pachako iwe uchange uine zvakawanda zvebhadharo yako kuti upedze uye uchengete mwedzi mumwe nomumwe.
5. Kupatsanura Zvinodhura Paunokwanisa
Mumakore ekuma20, kutengesa kwekuwanda hakuwanzogadzirisa. Kana iwe usina kuroorwa kana kunyange vaviri, unogona kunge uine nguva yakaoma kushandisa izvo zvawazvitenga isati yaenda zvakaipa, uye kana ukarasa zvakakwana zvezvinhu izvi, iwe hausi kunyatsochengetedza mari. Iwe unogona kugadzirisa dambudziko iri nekuita ushamwari pamwe neshamwari shomanana, apo iwe unotenga zvinhu zvakawanda pamwe chete, uzviparadzanisa uye ugovana mutengo kune umwe neumwe.
Izvi zvinogona kukuchengetedza mari pazvokudya, asi iwe haungasungwi zvokudya zvakawanda uye hapana nzvimbo yekuichengeta. Iwe unogonawo kugadzira co-op yekudya, uko iwe unotendeuka uchidyanana sezvo zvisingadhura kubika kudya kukuru kune vaduku vaduku. Izvo zvose izvi zvinogona kusarudzwa zvaunofanira kufunga.
6. Tsvaga Mabasa Akasununguka
Shandisa chero mabasa chero ipi zvayo akasununguka kana mazano aunogona. Inzvimbo yako yepaibhurari ndiyo nzvimbo yakanaka yekuwana mabhuku, uye kunyange maDVD kuti uone. Izvi zvinogona kukuchengetedza mari. Maguta akawanda anopa mahwendekeri kunze kwekunze mumasangano ekupedzisira kana kunze kwemafirimu akawanda zvakanyanya kupfuura kuenda kumitambo. Iwe unogonawo kutarisa mahara kana kuti akadhura kudanana pfungwa kuti uchengetedze mari. Izvi zvinogona kunge zvinonakidza, uye kuderedza mari yaunobhadhara kuti uve nenguva yakanaka. Uyewo kupedza nguva kunze kwekufamba-famba, kushambira pagungwa kana kuti kugungwa kunogona kukuchengetedza mari pazvinhu zvinokuvaraidza paunenge uchibvumira kuva kunze nekudzidzira panguva imwechete.
7. Shandisa Zvikwereti Zvako Nokuchenjera
Haufaniri kushandisa bhonasi yako kuvhara mari yako yezuva nezuva. Pakusika bhajeti yako, haufaniri kushandisa bhonasi yako sechikamu chebhajethi yako . Kunyange zvazvo bhonasi yako inogona kuoneka isingachinji, inogona kuchinja mune zvose zviyero kana nguva. Pane kudaro, iwe unofanirwa kutarisa bhonasi yako semari yakawanda yekuisa kune zvinangwa zvako apo iwe unogamuchira. Zvakakosha kugadzira purogiramu yekushandisa yemabhonasi yako kuitira kuti iwe uwane mari nekuchenjera. Iwe unofanira kuramba uchingowana mari mukati mebhadharo yako yezuva nezuva kuti ushande kune zvinangwa zvako kana iwe usingawani bonus yako gore negore.