Kana vana vako vasati vava kugara pamba, vasviki vasina chinhu vanogona kuwana nzira dzakawanda dzekuchengeta mari. Zvimwe zvakawanda zvinowedzera mari yekurera vana zvinounza, kubva pane zvipfeko uye kuzvipa kune vadzidzisi vega, mabasa emamwe mabhiriro, zvidzidzo zvekoroji uye zvimwe zvaenda, uye inguva yokutanga kufunga nezvako uye zvaunoda kuita iye zvino uye mukurasira uye mberi.
01 Kuderedza musha wako
Mari inonyanya kukosha yemhuri chero ipi zvayo inowanzopfuura kwete yekutenga chikwereti kana kubhadhara mari. Kana iwe wakambofunga nezvekudzikisa pasi pakubata basa, hapana chikonzero chekufunga nezvazvo ikozvino, kana uchiri kushanda. Kune avo vanofanirwa, kune pfuma imwechete yekusunungurwa kwe $ 250,000 mushure mezera remakore makumi mashanu, izvo zvinogona kuita kuderedza zvakanyanya kufadza. Kana iwe uri neimba yako, zvakawanda zvezvimwe zvinodhura - gadziriro yekuchengetedza, kupisa kwepamusoro uye a / c mishonga, kushandiswa kwekurima uye yekuchenesa misha uye yese yekuchengetedza - kunogona kuderedzwa kana kubviswa zvachose.
02 Mhuri Bhizimusi Bhizimusi
Pasina kunyange kuedza, zviri pachena kuti iwe uchaona kucheneswa kwakanaka muimba yako yebhadharo yemari. Nevanhu vashomanana vanogara mumba uye vachishandisa dzimba dzokugezera, midziyo, maTV, maashers uye dryer nezvimwe zvinhu zvakawanda, zvikwereti zvinoshandiswa zvinowedzera.
03 Cable
Tora zvakadzama yako kabhadhi ikozvino kuti iwe uri nesara isina chinhu. Kana iwe usingadi mitsara yepayimusi, rega kubvumirana navo uye uchengetedze mari yakanaka yemwedzi mumwe nomumwe. Kana iwe usingatarisiri zvakawanda terevhizheni zvachose, shandisa Apple TV, Hulu kana Netflix uye chengetedza kambani yekuwana pamwe chete. Uine rubatsiro rweInternet chete yekubhadhara uye maTV mashoma mumba, unogona kuchengetedza kudarika $ 200- $ 300 pamwedzi, zvichienderana nezvawakave uchibhadhara kusvikira zvino.
04 Groceries
Zviri pachena kuti zvikwereti zvako zvekudya zvekudya zvichaburuka pamwe nevanhu vashoma mumusha. Asi kunze kweizvozvo, iwe hauchafaniri kutenga zvokudya zvausingadyi kana kuti zvinoda mumba mako nevana vako vabva. Izvo zviputi, makiki, ice cream nezvimwe zvinoshandiswa kuva izvo zvaive nyore kuwana hazvisati zvichishandiswa, nokuda kwechikamu chikuru. Iyi inguva yakakura yekudzorera kudya kwako uye kuisa pfungwa pane zvaunoda kudya uye kwete izvo vana vako vanoda.
05 Kudya
Seesters isina chinhu, kudya kunowedzera kuwedzerwa. Kubika kwemaviri kunogona kuva basa rinopedza nguva, kunyanya kune avo vanoshanda kunze kwemusha, rinogona kuderedzwa zvikuru nemashura asingadhuri anowanikwa mumaresitorendi. Kana ikashanda nemararamiro ako, nzvimbo dzakawanda dzinofadza awa maitiro zvinogona kuva mari zhinji dzinoponesa, uye kune zvikwereti pane dzakasiyana-siyana zveresitorendi, zvakare. Nguva dzose mubvunze paresitoreji kana vachipa zvikwereti kune vashandi vanenge 50 pamwe chete.
06 Auto Insurance
Apo vana vako vachiri vadzidzi vekukoloni, unogona kuwana tsvina kubva kumakambani mazhinji einishuwarensi kana ivo vasina kutya vachiri kuchikoro. Kana mudzidzi wako ari kuwana makero akanaka, izvozvo zvinogona kubatsirawo nemari yemari yepuriyamisi. Kana uine vana vakwegura vari vari voga uye vachiri pane chirongwa chako, hapana chakakanganisika nekuvakumbira kuti vakubhadese pamwedzi wega wega webhadharo ye inshuwarisi yavo.
07 Wedzera Kuponesa Kwako
Vazhinji vasviki vasina maturo vane hanya nezvekuwana mari yakakwana yekukwanisa kurega rimwe zuva mune ramangwana risati riri kure. Kana iwe wakararama zvakanaka paunorera vana vako, uverenge kuti uri kuchengetedza mwedzi wega wega navo wakabuda kunze uye woga wowedzera mari yako kana mitsva 401k kana zvichibvira. Dzivisa kugadzira chero chinhu chikuru chekutenga gore rokutanga kana kuti zvekuva nesster isina chinhu uye uone mari yakawanda yaunofanira kutengesa kumariko kana kuchengetedza.
08 Kufamba Zvakawanda Zvishoma
Mhuri yezororo inodhura zvikuru iyo inotemwa nehafu kana kupfuura yezvitsva zvisina chinhu. Kufamba nemhuri mukurera vana kunoreva kuchengeta nguva dzezororo rekuchikoro, uye kunyanya iyo ndiyo nguva dzinodhura uye dzakawanda kuti dzive mumugwagwa. Seestters isina chinhu, iwe zvino unogona kufamba panguva imwe chete iyo nguva iyo nzvimbo yepamusoro inowanzopera, pamwe chete nemari yepane ndege. Misangano yakafanana neAARP inopa zvikwereti pazvinhu zvose kubva mubhadharo yemotokari kuenda kune dzimwe nhengo nevaya vakura, saka vashandise.
09 Cut Life Insurance Plans
Pane imwe nguva vana vako vari kuzvitsigira - uye kunyange mhuri dzavo - inishuwarenzi yeupenyu hwako inogona kuchinja zvikuru. Ongororazve kuti mari yako yedzipi neipi ye inshurensi yehupenyu inopesana nezvinofanira kuva nazvo kune inshuwarisi kune mumwe wako. Zvichienderana nehutano hwemari yako yekusimwa nekuchengetedza mari, iwe haungatengi inshuwarisi yehupenyu hwakawanda sezvawakaita apo kurasikirwa kwemari yako kwaizova mutoro kune wawakaroorana naye.
10 Tsvaga Basa Renguva Yenguva
Kana iwe uri mubereki wekugara-kumba, zvingave zvakaoma kuwana basa kana vechidiki vako vachibva pamba. Chero chero purogiramu yawakanga uri nayo pawakasiya basa rekurera vana vako, zvinogona kunge zvakashanduka zvakajeka kubva pakubva kwako. Pasinei nokuti uri kutsvaga mari yakawedzerwa kana kuti mutsva mutsva, basa rekugadzirisa chikamu nzvimbo yakanaka yekutanga. Rega shamwari nevavakidzani vakuzive iwe urikuvhima chimwe chinhu uye unoisa pamwe purogiramu 'neunyanzvi hwako uye ruzivo rwakakonzerwa pane nzvimbo yako yemabasa. Kana ukangowana basa, isa mari yako yose mukuchengetedza sekunge iwe usingashandi zvachose, uye ona kuti ikure nokukurumidza.
11 Tanga Bhizinesi Rinobva Pamba
Kana iwe uri nyanzvi pakuita kana kuita chimwe chinhu - kubata, kupora, kunyora, kubika, kubika, etc - imba yepamusoro yebhizimusi inogona kuva nzira inoshamisa yekuwana mari yakawanda pasina kushandisa mavhiki - kana mwedzi - kutsvaga basa. Hira mumwe munhu kuti aite webhusaiti iwe uye kutanga. Shandisa huwandu hwemagariro evanhu kukurudzira bhizinesi rako uye kubvunza shamwari nemhuri kuti mumwe nomumwe wavo azive kuti uripo uye une unyanzvi hwavanoda. Zvinogona kutora nguva kuti zvinhu zviende, asi iyo inogona kuva inonakidza uye inonakidza nemafungiro akanaka.
12 Gadzirira Kurongwa uye Kutengesa
Kuchenesa kunze kwevavhenekeri, vanochera, attics uye zvigadziro zvepasi pose nguva dzose chimwe chinhu chisina maturo nesters chinowanikwa nguva yekuita vana vachibva pamba. Zvinonyanya kuitika iwe uchawana zvinhu zvinokosha zvausingadi kana zvaunoda. Zvigadziri zvipfeko, mhombodo neshangu zvinogona kutengeswa pawebsite dzakatsaurirwa, asi zvimwe zvinhu - china, sirivha, mifananidzo, zvinhu zvinorongedza - zvinogona kuverengwa pane zvekutengeswa paEbay kana zvimwe zvekugara zvakare. Dzvitsa imba yako nezvinhu zvausingadi, zvaunoda kana zvingachengetedza, kana wakasarudza kuderedza. Ingova nechokwadi chekubvunza vana vako vasati vatengesa chinhu chavo!