Nzira Nhatu Uri Kuzadzisa Mari Yako uye Ungaita Sei?

Vanhu vazhinji vari kuparadzanisa mari yavo pachavo vasina kumbozviziva. Vanogona kunge vakanyatsotarisa pane chimwe chinhu, sebasa ravo, kuti vari kunyangadza zvimwe zvikamu zvemari yavo. Vangave vanotya zvakare kutarisa zvinhu izvo zvinoda kuchinjwa, kana pasi pekufungidzira kuti zvinhu zvichabva zvichishanda kana vakangoramba vachishanda zvakaoma. Ichokwadi ndechokuti pasina kushingaira nekugadzirisa nemaune, haungashanduki mamiriro ako emari. Dzidza kana uri kuparadzanisa iwe pachako mari uye nzira dzaunokwanisa kumira.

  • 01 Kusakwanisa Kubatsira Kurasikirwa

    Kunyangwe iwe usingave uchinzwa uchinetseka kana kufunganya ikozvino, mune ramangwana, iwe ucharwisana kana iwe usingabatsiri kubhadhara. Nokukurumidza iwe watanga, zvishoma iwe unoda kuzvidya mwoyo. Iko kunouya nguva iyo mabhizimisi enyu ekurega basa anotanga kuwana mari imwe neimwe mwedzi mumwe nomumwe pane iwe uri kugovera uye ipapo kuchengeta kwako kuchatanga kuwedzera kukura. Iwe hausi kuda kuvimba neSocial Security, nokuti hainyatsonzwisisi kuti chirongwa ichi chichashanda sei mune ramangwana.

    Nhanho Dhanho:

    • Tanga kutora kusvika kumushandiradzi wako mutsva pakarepo kana iwe uchikodzera. Taura nemumiririri wako wevanhu kuti uone kana iwe unogona. Kana iwe uri wekuzvidzivirira kana usingawanikwi kuzarura IRA kana imwe yega yega yekushandira retirement account .
    • Gore roga roga simudza peresenti yaunopa kusvikira iwe uchikwanisa kusvika kune gumi nezana kubva muzana yemari yako. Iwe unogona kugadzirisa apo iwe unogamuchira kumutswa kuitira kuti iwe usanzwi sokuti hauna hanya nechinhu.

  • 02 Kushandisa Chikwereti Chako uye Kutakura Balance Forward

    Kunze kwekuti iwe uri kukwanisa kubhadhara kadhi rako rechikwereti zvakakwana mwedzi mumwe nomumwe, zvakanaka kuti usashandise kadhi rako rechikwereti zvachose. Chikoro chako chekadhi rechikwereti chichikwira zvishoma nezvishoma pamwe chete nemutengo unoshandiswa huripo kusvikira zvose zvaunogona kutora kuti uite zvikwereti. Iwe uri kupa kure remangwana rako rezvemari apo iwe unotakura chikwereti chekwereti. Zvakakosha kuziva kuti izvi zvingava zvakakuvadza sei, nokuti chikwereti chichakudzikatira.

    Nhanho Dhanho:

    • Siya makadhi ako ekwereti kumba. Kana iwe usina ivo newe kana uchienda kunotenga, iwe hauzoedzi kuidzosa.
    • Gadzira hurongwa hwokubhadhara makadhi emakadhi nokukurumidza sezvinobvira. Izvi zvinoreva kuderedza zvakare mari yako, kuisa bhajeti uye kuisa mari yakawedzerwa kune chikwereti chako mwedzi mumwe nomumwe.

  • 03 No Emergency Fund

    Chikwata chekukurumidzira chakafanana nehombodo yezvokuchengetedza. Iwe unongonzwa wakachengeteka paunenge uine izvozvo, asi inokuchengetedza kuitira kuti iwe urambe uchitsiva kubhadhara zvikwereti zvako apo njodzi inowira. Izvi zvinogona kutora kushungurudzika kure nekuvhara motokari kana kurasikirwa nebasa. Chikamu chako chekukurumidzira chiripo saka haufaniri kuvimba nekadhi rechikwereti mumamiriro ezvinhu aya.

    Nhanho Dhanho:

    • Tanga kuisa mari yakawedzerwa mubhuku rekuchengeta mwedzi mumwe nomumwe. Gadzira kusvika $ 1000 usati wafunga nezvekubuda mune chikwereti.
    • Kana uchinge usiri chikwereti hausati wanyatsogadzirisa mutengo wegore. Izvi zvichakufukidza kuburikidza nezvose zvakashata zvinosanganisira kupererwa nebasa kana chirwere chakakomba apo iwe haugoni kushanda.

  • 04 Hapana Kuponesa

    Kana iwe uchida kuzadzisa zvinangwa sekuzarura bhizinesi, kutenga imba kana kuenda kunorota zororo, unonyatsoda mari yekuita izvozvo zviitike. Kana iwe usingashandisi nguva dzose kugadzira account yako yekuchengeta, unofanira kutanga. Zvakakosha kuva netsika yakasimba yekuchengetedza mari munzvimbo kuitira kuti iwe ugone kuchinja mararamiro ako munguva yemberi. Izvi zvichaita kuti zviitwe kutanga kutanga kuvaka upfumi .

    Nhanho Dhanho:

    • Tanga nekuedza kuchengetedza imwe $ 20.00 vhiki imwe neimwe yaunoisa muakaunti yako yekuchengetedza.
    • Wedzera mari yaunoponesa kuburikidza nokutarisa pamitemo yako yemwedzi nemwedzi uye mashoko einishuwarenzi kuti uone kana iwe unogona kuchengetedza mari yakawedzerwa kuburikidza nekushandura vanotengesa.
    • Shamba rekutengesa uye ronga mberi mberi kwekutenga kwako kuitira kuti ugone kuwana zviduku zvinodarika zvingawanikwa.

  • 05 Hapana Chinangwa

    Kana iwe usina chinangwa, iwe hauzive zvauri kushanda. Zvakafanana nokufamba rwendo rusingabvi mupfungwa. Iwe unogona kudzungaira, iwe unofara, asi iwe hauzi kuzadzisa chinangwa chaicho. Pasina zvinangwa zvemari, haungakwanisi kuramba uchienderera mberi uye kuita zvinhu zvakadai sokutenga imba, kana kuti kubvisa paunoda.

    Action Step:

    • Gadzira hurongwa hwemari uye ugadzire zvinangwa zviviri zvenguva refu uye zvenguva pfupi. Zvinangwa zvingave zvinhu zvakadai sekubuda mune chikwereti, kuchengetedza mari yekukurumidza kana kutenga imba. Vanofanirawo kusanganisira zvinangwa zvepanguva yakareba sekubhadhara iwe vana vekudzidzisa yekoroji uye kubvisa. Ita zvinangwa pasi muzvikamu zviduku zvaunogona kutanga kutora nhasi.
    • Taura nemudzidzisi wezvemari, kana uchinge usina chikwereti, uye uone kuti ndeupi rudzi rwekutsvaga iwe unoda kuita kuti uwane zvinangwa.
    • Rongedza zvinangwa mumakore mashomanana kuti uone kuti iwe unoramba uri munzira.

  • 06 Hapana Budget

    Bhijheti inogona kuratidzika semabasa akawanda, kana iwe unogona kuora mwoyo nokuti hauna kumboita seine mari yakakwana. Zvinogona kutyisa kugadzirisa mari apo iwe unogara uchizvidya mwoyo pamusoro pekuti iwe uchakwanise kuwana zvigaro. Iyo inoshanda kubhadharo, asi inoronga hurongwa. Bhizimisi inokubvumira kuti uone kuti mari yako inofanidza zvinhu zvako zvakakosha uye kuti uri kuisa mari padzimwe mwedzi kuti uwane zvinangwa zvako zvemari. Icho chimwe chezvinhu zvinonyanya kukosha zvaunofanira kuita kana iwe uchida kuchinja ramangwana rako remangwana.

    Nhanho Dhanho:

    • Gadzira bhajeti nhasi kuti uone kana uri kuunganidza zvakakwana kuti udzivirire mari yako yekushandisa.
    • Itai mari pachedu kuti muvhare zvinangwa zvenyu zvemari.
    • Tsvaga bhajeti inoita kuti bhajeti ive nyore kwauri. Izvi zvinogona kunge zviri muInternet system, kushandura kunyanya mari yemari yako, kana purogiramu ye software.

  • 07 Kuramba PaAkabhadhara Kubata Jobho

    Basa rakaipa rakanaka kupfuura basa risina kunaka here? Iwe ungangodaro wakatora basa rekubhadhara rakaderera mushure memakore ekugadzirira kudzidza kuchikoro kuti uwane ruzivo kana nekuda kwematambudziko emabasa. Zvisinei, kugara usingabatsiri uye kusaita zvakakwana kunogona kukuvadza mari yako yeramangwana. Inogona kuderedza simba rako rekuwana, uye iwe unogona kuvimba pamakadhi emarikiti kuti uwane. Zvakakosha kutanga kutsvaka basa riri nani riri nani ikozvino.

    Nhanho Dhanho:

    • Tanga kutsvaka mabasa ari nani ekubhadhara mukambani yako kana pane imwe sangano.
    • Shandisa zvidzidzo zvekubhadhara chikoro kana uchida kuwana humwe hutano kuitira kuti uwane basa iri nani rekubhadhara.
    • Gadzira bhajeti kuitira kuti urege kuvimba nemakadhi ako ekwereti uye funga kutora basa rechipiri kuti ubatsire kuita zvigaro.

  • 08 Kusvitsa

    Kana iwe uchiramba uchingodarika, unenge uchidzivisa kuti urege kuzadzisa zvinangwa zvako zvemari. Iwe unogonawo kuunganidza chikwereti, kunyanya kana iwe usingateereri zvauri kushandisa uye nguva. Zvinogona kuva zvakaoma kuchinja tsika iyi, kunyanya kana iwe usingateereri mari yako nemari.

    Nhanho Dhanho:

  • 09 Bad Habits

    Miitiro yako yakaipa inogona kudhura uye inodhura mari yaunogona kushandisa kuti uite zvinangwa zvako. Ngarave, doro, kubhejera uye kunyange kutengesa mabhizimusi kunogona kukanganisa zvikwereti uye kuita kuti zvive nyore kupa zvigaro kana kuti kusvika kune zvinangwa zvako. Kunyangwe iwe unganzwa sokuti iwe unokwanisa kuwana tsika idzi kana iwe usingadi kurega, zvinokosha kufunga kuti kana kwete ivo vakakodzera kupa zvipimo zvemari kuitira kuti urambe uchizviita.

    Nhanho Dhanho:

    • Sarudza tsika imwe chete yekurega mwedzi uno. Tsvaka rubatsiro kana iwe uchiziva kuti uchava nenguva yakaoma nokuti iwe uri muropa.
    • Isa mari padziri mubhajheji yako kuti uvhare tsika idzi. Edza kuvhara mari yaunoshandisa pane imwe neimwe vhiki imwe neimwe. Ita kuti mumwe nomumwe ave tsika yake. Izvi zvinogona kukubatsira kuona kuti sei

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