Nzira dzakasiyana-siyana dzekuwedzera mari yako yekuwana mari
1. Usashandisa kadhi rechikwereti. Pane kudaro, shandisa makadhi ekubhadhara anoita mapepa kuti abatsire kutambanudza simba rako rekutenga.
Mwedzi woga woga, unobhadhara kutenga zvekutengesa, petrooline, motokari yerishuwarenzi, uye nezvimwe zvakawanda zvinodiwa kuti uwane munyika yanhasi. Zvinenge zvisinganzwisisiki kuisa izvi pane kadhi rako rechikwereti nokuti chido chekufarira chikapamhi, iwe unokurumidza kupinda kupinda maitiro asina kunaka (uko kubhadharwa kwako hakuregi kutarisana nechiyero chechikwereti pachako, chinowedzera apo nguva inopfuura) .
Nzira iri nani ndeyekushandisa kadhi yekubhadhara inoda kuti iwe ubhadhe chikwereti chose pamagumo emwedzi woga woga, asi panguva imwe chete uchitora pfungwa dzaunokwanisa kuzvidzikinura nokuda kwemari shure kana mubairo. Somuenzaniso, kana imba yako yekubhadhara ichimhanya, ichiti, $ 385 pamari yekubhadhara, kana $ 10 000 pagore, vamwe vanobhadhara makadhi kubva kumabhanki anotungamirira vanopa 3% kana 5% mari kumashure, iyo inowedzera $ 300 kana $ 500 muhomwe yako imwe neimwe gore.
Kana iwe waizowedzera izvi kune yako 401 (k) kana Roth IRA uye uwane 10% pagore, muyero wekudzoka kwematokari pamusoro pezana remakore rapfuura kana kupfuura, unenge uine madhora 82,250 mumari yakawedzerwa kwemakore makumi matatu. Izvozvo zvinofanirwa kubereka mushure mekubhadhara mutero we $ 4112 pagore, kana $ 342.70 pamwedzi.
Nokungoshandura nzira yaunopedza nayo, kwete kunyange mari, iwe unogona kuguma nemari yakawanda yakawanda muhomwe yako.
2. Wedzera pie kuburikidza nekuita mari yakawandisa pamusoro pemari yako yakasarudzwa.
Zuva rako basa rinobhadhara mari yako yose nguva dzose. Inobatanidza zvokudya zvako, pokugara, chimbuzi, nezvimwe zvinodiwa zvinokosha. Zvingava zvakaoma kuderedza mari kana uchingogara uri pamucheto. Panzvimbo pokucheka pie muzvidimbu zvakasiyana uye kuderedza mararamiro ako ehupenyu, funga kuwedzera kupeta nekuwedzera zvikwereti zvinobatsira mari yako. Munguva yakapfuura, ndakanyora nezvemhuri yemhuri yangu inoshandisa ndege huru iyo inoshandisa basa iro kuvhara mararamiro ake, mararamiro ekurega basa, uye mararamiro anobatsira, asi akatanga bhizinesi rekutsvaga kuitira kuti mari yose yakawandisa iwane kuvakira purofidho yake , kutenga imba yakanaka, uye kuwana utsi hwaaida.
Izvi zvichakubatsira kuona kuitika kwekukurumidza muhupenyu hwehupenyu hwako nokuti inotora mari inoda humwe hutano hwehutano husati huwandu huwandu husati hwave huchinyanya kukoshesa (semuenzaniso, kuwana kwe10% kune $ 10,000 zvigadzirisiti ye $ 1 000 asi huwandu hwakafanana pamushumoti we $ 3,000,000 iri $ 300,000 - mari yakawanda kwazvo mumadhora akakwana ehuwandu hwehutano, mubairo, nekuedza).
Kana iwe uchitanga bhizinesi, iwe unogona kufanirwa kubudirira uye kuita $ 300,000 kubva pane chero chinhu kana iwe ukashanda nesimba zvakakwana.
3. Tevera mukana.
Kana iwe uchigara mune imwe nzvimbo kana kushanda kune kambani isina tariro yekubudirira kwenguva refu, bvisa chiuno chako uye SVIRA! Handina hanya kana iri imba yako - madzitateguru ako aifanira kuita sarudzo yekutevera hupenyu huri nani uye ndiyo ndiyo nzira yawakapedza nayo ipapo. Kana uri kutora sevashandi vemuzuva reCalifornia, unogona kuripa $ 50 pazuva kuitira nzvimbo yekurara-iyo $ 1,500 pamwedzi. MuMidwest, iwe unogona kutenga chikwereti pamusha wakanaka kwehafu yezvayo! Urarame mudutu remhepo? Move! Urarame mukati memuguta romukati pasina mikana yebasa? Move! Kana uchivhima mikana, yakawanda yakaita sehove nokuti pane nzvimbo dzakasiyana apo munhu wose, pasinei neunyanzvi, anokwanisa kubata chimwe chinhu nevamwewo apo pane kunyange kurwisana kwetare kunobata kunyange shoma shove.
4. Iwe pachako kuunza mari, uye usazvidza zuva rekutanga kuduku.
Cherechedza kuti izvi zvakasiyana kubva kune nhamba mbiri (ona pamusoro). Apo patinotaura pamusoro pekugadzira mari yakawanda kuti uwedzere pesa yako yepfuma inobata nebasa rako, kana kuedza. Izvi zvinobatanidza nekuti iwe unoshandisa sei mari yako kana mari.
Ichokwadi kuti iwe unogona kuita mari yakawanda yekuita mapeji nemagetsi. Paunenge uchitanga, kunyange zvakadaro, uchawana zvakanyanya kudzvinyirira kana iwe uine mari yekugadzira mari panzvimbo yekuti iwe uchange uine mari iri kupinda mabhangi ako ebhangi, kupa huwandu hwakawanda uye hunochinja. Sezvo mumwe munyori ataura munguva yakapfuura, kutenga sutu ye $ 800 hakuiti zvakawanda zvakanaka apo iwe unogona kuzvitengesa kwe 5% chete kana 10% yehuwandu hwayo pachitengesi chegaraji. Mari imwechete yakashandiswa kutenga imwe yakwegura yekutengesa mishonga uye kuiisa muhofisi yakabatikana haingori chete yakachengetedza kukosha kwayo (iwe unogona nguva dzose kutengesa mishonga), asi kukupa mari iyo iwe unodurura bhadha yemari zuva rimwe nerimwe kubva kune vatengi vako.
Iwe unogona kuti, "Ndezvipi zvakanaka zvandiri kuita ini ?!" uye isa maoko ako kumusoro. Pfuma yangu yakatangwa neyokutanga yekutanga "cash generator" iyo yakabhadhara mari inenge $ 16.44 isati yateresi pazuva. Iye zvino, makore mazhinji gare gare, iyo inokanganisa kukanganisa pane zvese mabhizinesi angu. Sezvakataurwa naMambo Soromoni: Usazvidza zuva rekutanga kuduku.
Mamwe Mashoko Pamusoro Pokuchengetedza Mari
Kuti uwane mamwe mashoko pamusoro pekuti iwe unogona sei kutanga kuchengetedza mari, verenga Mufambiro Wese Wekutanga wekuchengetedza Mari .