Zvose Mitero Nezvokudhura Unofanirwa Kuzviisa Mubhadharo Yako
Zvichida iwe wakangopedza chikoro , zvichida iwe unongotanga basa rako rekutanga, kana kuti unenge uine shamwari neshamwari yakakosha kuparadzanisa renhi newe.
Pasinei nokuti chii chingave chiripo, unonzwa wakagadzirira kubuda uri woga. Kusvikira iwe wakatarisa bhajeti yako uye unoziva kuti zvingave zvisina kuoma sezvamakafunga.
Chikonzero Nei Iwe Uchifanira Kubhadhara Mari Yenyu Yekutanga
Zvichienderana nenharaunda yenyika yamunogara, unogona kuwana kuti kubhadhara kunodhura zvakanyanya kudarika zvawakatarisira.
Kana kuti zvimwe unoona kuti mubhadharo wako hauna kukuwana iwe sezvaunenge watarisira.
Chero nzira, zvakakosha zvikuru kuziva nzira yekugadzirisa yeimba yako yekutanga (kana kugara mamiriro). Iwe haufaniri ku "wing it" nokuti kunetseka pamusoro pokuita renha hakusi chinhu chaunoda kubata nacho. Kuva nekuputsa chibharo nokuti iwe haugone kubhadhara renhare kunogona kunge yakatokudhura uye inokuvadza.
Saka, chii chaungaita kuita kuti basa rive nyore? Hezvino izvo zvaunotarisira.
Nzira Yokubhadhara Sei Imba
Chokutanga pane zvose, iwe unofanirwa kuva nebhajari inokosha panzvimbo , sezvo izvi zvingaita kuti zvive nyore kuwirirana mune ramangwana rako rekushandisa mari.
Kana iwe usina bhajeti, ikozvino ndiyo nguva yakakwana yekusika imwe. Iwe unogona kuwana nhanho-nhanho mirairo pano , asi kuti udimbure:
- Ratidzai zvose zvamunotora pamwedzi
- Ratidza mari yako yaunowana pamwedzi
- Bvisai mari yenyu kubva pane zvamunowana kuti muone zvakasara
- Zvipe iwe kambani kadiki, uye ndizvo zvaunofanira kushandisa pahupenyu hwako
Kana iyi ndiyo nguva yako yekutanga yekugara zvizere iwe pachako, pasina rubatsiro rwemari, saka unogona kuchinja zvaunotarisira uye nhamba kazhinji.
Iwe zvichida hauna kutarisana nezvose izvi zvinodhura munguva yekorojiji kana iwe uchigara nevabereki vako, saka shandisa kuongororwa kwako kwakanakisisa kune zvaunoshandisa pane imwe neimwe.
Semuenzaniso, iwe uchada kutarisa mari yakawanda yaunoshandisa pazvinhu zvekutengesa , gesi, varaidzo, inshuwarisi, etc. Yakagamuchirwa kune "vanhu vakuru" -zvinhu zvinongodhura zvakanyanya!
Yeuka - bhajejeti hazvirevi kuiswa mumatombo. Izvo zvinoreva kushandura. Iwe unogona kuchinja bhajeti yako kuti uratidze chokwadi chakanaka pane imwe nguva, kamwechete mwedzi mishomanana yekubhadhara yapfuura. Kubva ikozvino, unoda ruvara rukuru rwezvinhu zvaunogona kutarisira kupedza kuitira kuti uzive kuti iwe unokwanisa sei kubhadhara mubhadharo.
Haisi chokwadi kuti ungatanga kupi? Hezvino zvipfeko zvishomanana zvemari zvaunoda kuisa mubhajheji yako.
Mari Dzokugara Unofanirwa Kuverenga
Kuwana imba iyo ine zvinhu zvose zvinosanganiswa kunosanganisira kuita chikamu ichi chiri nyore, asi izvi hazvisi nguva dzose.
Kana zviri izvo, iwe unoda kufunga nezvekutevedzana kwekugara kwemari mubhajheji yako:
- Tenga (yega)
- Electric
- Gesi
- Mvura
- Internet
- Cable
- Renter's inshuwarisi
Zvakare, iwe unoda kuenzanisa zvose izvi, asi hazvifaniri kunge zvakaoma kuita. Inzwa wakasununguka kubvunza ani zvake anokupa hofisi yeimba iyo vatengi vanobhadhara sei mubatsiri (kana vasina kubatanidzwa).
Vanofanira kukukwanisa kukupa mararamiro aungashandisa kuenzanisa pamakamuri akawanda.
Dzimwe nzvimbo dzinogona kupa "mapurati" apo iwe unobhadhara purogiramu yakatsetseka yekambo uye internet, saka haufaniri kutarisana nemakambani ehurumende.
Uyezve, unofanirwa kuwana mitsara yakawanda ye renter's inshuwarisi kuitira kuti iwe uenzanise mari yaunogona kupamba.
Uyezve, iwe unoda kutarisa nekuda kwezvikwereti izvi zvinowanzoitwa nevakawanda dzimba dzakawanda uye varidzi veminda:
- Zvikwereti zvemari (kana uine kati kana imbwa)
- Garbage pickup
- Kurapa kwemhuka
- Parking
- Kuchengetedza / Garage
- Mari yekubhadhara
Haasi matambudziko ose achauya nemari iyi, asi sezvo inowanzove yakanyorwa zvakanaka, zvinobatsira kuziva kuti chii chaunofanira kutarisa kuitira kuti iwe unogona kubvunza kana mari iyi iripo (vasati vasvika sechishamiso). Zvimwe zvezvikwereti izvi zvinogona kuitika pamwedzi wega wega, asi vamwe vanogona kungova mutengo wenguva imwe chete.
Ngatitorei nguva imwe chete mhaka dzemhosva pasi kuitira kuti muzive zvamunogona kutarisira mumamiriro ekugara ezvo.
Kubhadharwa Kwekutanga Move-In
Iwe unogona kuwana iwe unogona kukwanisa kubhadhara mari yepamwedzi pasina dambudziko, asi mberi kwekutengesa mari kunofadza.
Security Deposit : Nzvimbo dzakawanda dzinoda kuti iwe uise hore yemwedzi umwe sechisimbiso chekuchengetedza, uye kana ukashandisa mutengesi, iwe unogona kubhadhara rendi imwe yemwedzi semari yavari, pamusoro pokungotora chikwereti chako chokutanga.
Izvozvo zvinoreva kana iwe uchikwereta imba inodhura madhora 1 000 pamwedzi, iwe unogona kuisa $ 3,000 mune imwe chete kuenda paunopinda. Ouch! Kunyangwe pasina mutengesi, ndiwo $ 2,000 iwe unofanirwa kubhadhara.
Dzimwe nzvimbo dzinogona kukupa pfupa pane chekuchengetedza, kunyange zvakadaro. Panzvimbo yemutambo wemadhorobha (uko iwe unotora mari yako chero bedzi pasina kuipa), unogona kupiwa mari isina kubhadharwa nemari shoma shoma, sa $ 175.
Zvinosuruvarisa, kana pane zvakashata kuimba iyo inopfuura kudarika iyo, unogona kunge uri pachigamba kune avo pamagumo ekubhajisa kwako. Kana iwe wakatora chisarudzo chisingazodzoki, ona kuti iwe unoponesa zvishoma mwedzi mumwe nomumwe kana iwe uchibhadhara zvimwe pakupedzisira.
Pet Deposit : Kana iwe uchida kuunza mhuka dzemhuka pamwe newe, iwe unogona kubhadhara dhomwe kwavari zvakare. Iyi mari inowanzoita shoma shoma pane yebhadharo yemwedzi, asi ichiri chimwe chinhu chaunoda kugadzirisa.
Renter's Inishuwarenzi : Makambani mazhinji ekuchengetedza anoda kuti iwe uve nehupupuriro yehushuwarisi usati wapinda, uye iyo pfungwa yakanaka yekudzivirira zvinhu zvako zvisinei. Renter's inshuwarheni inowanzokomberedza $ 10- $ 20 pamwedzi, zvichienderana nekunogara kupi uye chii chinosanganisira imba yako, uye iwe unogona kubvunza motokari yako yemugovera kana vakaipa. Iwe unogona kutora zvishoma zvishoma.
Dhipatimendi reUtility : Vamwe vashandi vekumba vanoda kuti zvishandiso zviri muzita renyu, uye iwe unogona kubhadhara mari yekuita basa, kunyanya kana iwe usina kumbobvira uine zvigaro muzita rako kare. Izvi zvingabhadhara kubva ku $ 70- $ 150, asi chero bedzi iwe uchibhadhara zvishandiso zvako panguva, unofanirwa kuwana mvumo yekudzorera. Iwe unogona kunge wakamirira mwedzi mishomanana gore, uye kana ukaramba uchishanda nemakambani aya anoshanda, unogona kutarisira kugamuchira chikwereti pane chirevo chako pane.
Chimwe chinhu chaunofanira kufunga nezvazvo: nekuda kweterevhizheni uye tambo (zvichienderana nekuti imba yako yakaoma zvakagadziriswa sei zvinhu), unogona kubhadhara mari yekugadzirisa. Iva nechokwadi chekubvunza pamusoro pazvo apo iwe unotengesa.
Mutero wekutarisira : Pakupedzisira, kana iwe uchida kuisa imba, kambani yekutungamira ichada kukwanisa chikwereti chako uye kutungamira chekuchechedza. Iwe unowanzobhadhara mari yekufambisa iyi (pane imwe nzvimbo inodarika $ 100), kunyange zvazvo mamwe makambani achazobhadhara mari kana ari kupa chipo chinokosha.
Paunenge uchitarisana nemuridzi weimba yako, mari yekubhadhara inogona kunge iri shoma, kana iwe usingafaniri kubhadhara.
Ndezvipi Zvinotengesa Imari Ungabhadhara Kubhadhara?
Mushure mokunge uongorora zvose zvezvinogona kudhura, unogona kunge uchizvibvunza kana iwe unogona kukwanisa kuenda kunze.
Usanetseka - nekufungisisa kusarura uye kuronga; iwe unofanirwa kuva wakagadzirira kubata zvose zvei -imwe nguva yekushandisa mari . Kubhadhara kunogona kutengesa pashure pemwedzi miviri yekutanga yekugara uri wega, uye kana usingaendi panzvimbo yako pakupera kwekubhadhara kwako, haufaniri kushushikana nezveimwe yeiyo imwe yenguva yemari yeimwe gore kana zvakadaro.
Saka mari yakawanda sei iwe unofanira kuripa? Pane mutemo unoratidzika-we-gumbo unotaura kuti mari yako inofanirwa kunge yakave yakapoteredza 3x yako yebhadharo yemwedzi, uye nzvimbo dzakawanda dzimba (uye vagari veminda) vanotevera mutemo uyu.
Saka semuenzaniso, kana uri kutarisa imba inodhura madhora 1 000 pamwedzi, iwe uchada kuwana mari inenge $ 3,000 pamwedzi kuti ukwanise.
Pane humwe hutongi-hwe-thumb hunoti hupenyu hwemari hahufaniri kudarika mavhiri 25 kubva muzana yemari yako; saka kana iwe ukawana $ 3,000 pamwedzi, iwe unofanirwa kutarisa mu $ 750 mararamiro pane.
Aya ndiwo mitemo yegumbo, kunyange zvakadaro. Izvo zvinotarisirwa kuva mazano anobatsira, kwete zvakaoma-uye-nguva-mitemo inoda kuteverwa kune T.
Kana uchitarisa kuti ingoro yakadini iwe unogona kutenga, bhiza rako rakanakisisa ndekutevera matanho ari pamusoro apa. Gadzira bhadha yako yebhaibheri, uye ona kuti mari yako inofungidzirwa yehupenyu inofanirwa sei.
Iwe une mari yakakwana yakasiyiwa mushure mekunge imwe mimwe mari yaunokwanisa kutenga imba munzvimbo yako yaunoda here? (Yeuka, iwe unofanirwa kuisa mubhadharo kune chikwereti chako uye kuchengetedza mubhajethi yako.)
Kuti uwane, ita nekutsvaga pane imwe nzvimbo yakadai seCraigslist kana Apartment Finder uye ona kuti zhinji dzimba dzipi. Iwe uchaona mararamiro eimwe-dzimba, mbiri-dzimba, uye studios.
Iwe uchaona kuti pedo nzvimbo iyo iri pakati peguta, iyo inodhura zvikuru ichava (uye inogona kunge iri duku), saka sarudza nzvimbo yako nekuchenjera.
Chinhu chakanyanya kuipa chaunogona kuita ndechokuedza nekubvisa nzvimbo iyo iri kunze kwemutengo wako. Kana iwe uine $ 1,200 chete mushure mezvose zvataurwa uye zvaitwa, uye renji yako iine $ 1,100, uchafanira kuva nechokwadi chokuti zvishandiso zvako hazvipfuuri $ 100, zvingave zvakaoma. Ko iwe haungazomborenda nzvimbo yausingafaniri kunetseka pamusoro pokurarama paycheck-to-paycheck?
Nzira Yokuchengetedza Sei Mari Pamamiriro Edu Akararama Kuti Uite Kuti Ugare Wakawedzerwa
Iwe unoziva kubhadhara kwakadini iwe unogona kuwana, uye chii chinokwereta chiri munzvimbo yaunoda kutamira.
Ko kana maitiro asingashandisi pamwe chete newe zvaunofunga kuti zvaizoita? Pane zvinhu zvishomanana zvaungaita kuti uchengetedze mari muupenyu hwako .
Chokutanga, funga zvakare kwaunoda kugara, zvose nzvimbo-dzakachenjera uye dzimba-dzakachenjera.
Kurarama mu studio kana muimba yepasi inenge yakadhura pane kugara mune imwe-kana maviri-muimba yekurara. Saizvozvowo, kubhadhara imba yose ichave yakadhura kupfuura kugovera imba nevamwe vanhu vashomanana.
Kurarama pedyo neguta riri pakati peguta richava nemari yakawanda kupfuura kugara kunze kweguta, asi kurarama pakati nepakati paunogona kukusiya nehupamhi hwekutakura mari.
Funga nezvezvinhu izvi sezvikamu zviduku uye edza kuongorora zvaunogona kufamba kuti uite bhajeti yako inoshanda. Kurarama pedyo nebasa rako kunogona kuva sarudzo yakawanda zvikuru sezvo iwe unogona kusiya motokari yako uye kuchengetedza mari pane gesi, inshuwarisi, kugadziriswa, uye pamwe nekupaka. Mune zvimwe zviitiko, kurarama muguta kunogona kuva shoma nekuda kwezvikonzero izvi.
Chechipiri, funga kaviri pamusoro pekufungidzirwa kwedzimwe mwedzi. Unoda kabhadhi here? Iwe unogona kuwana ne Netflix here? Unogona kutengesa kumativi ehurumende yehushushi shoma? Iwe unokwanisa kuderedza zvishongo zvakagadzirwa here?
Ingova nechokwadi chekufungisisa zvaunogona kuita uye kutora mari yose iri pamusoro apa ichitaridzire pakusarudza imba. Hasi nzvimbo dzose dzakangofanana, saka zvakakosha zvikuru kunyora nhamba yemari kana uchienzanisa. Imwe imba inogona kuva nebhasi yepamusoro yebhadha asi ine yakakwirira pamwedzi mari yakabatanidzwa nayo, ichiita kuti ive shoma pane chimwe chinhu.
Mhanya nhamba dzose, bvunza mibvunzo, uye utange kuchengetedza mwedzi-ne-mwedzi kune avo vokutanga kufamba-mumutengo. Iwe uchava wakagadzirira kuenda kunze usati wazviziva.