Kuita Bhizimisi Rega Amai Hazvifaniri Kuoma
Kuva amai vasina kuroora kazhinji kunouya nemamwe matambudziko akasiyana-siyana, kunyanya munharaunda yemari. Pashure pezvose, kurera vana hakusviki. Maererano neDADA, inodhura madhora 233 610 pamusana pekurera mwana kuva nemakore 18.
Mhuri yemubereki maviri, pangava nemari miviri yekushandisa mari. Amai vasina kuroorwa, kune rumwe rutivi, vanowanzove vachiita kuti zvibate pane imwe mari chete. Ndiyo apo amai vasina kuroorwa vanowanzotambudza.
Bhengi inogona kuva inoponesa, kunyanya kana pane vana vari mumufananidzo. Kana iwe uri amai vasina kuroorwa, mazano aya anogona kukubatsira kusungira bhaari yako uye kushandisa mari yako mwedzi wose.
1. Tanga Nemari Yako
Iko kune nhamba mbiri mbiri iwe unoda kuita imwe chete yemari bhadha: mari yakawanda uye mari yose.
Sezvaunoronga bhajeti yako, tanga nekuwedzera mari yako yemwedzi. Nzira iri nyore kuita izvozvo, pasinei nokuti uri kushanda nguva dzose 9 kusvika ku 5 gig kana kutarisa mabasa akawanda, ndeyekutarisa yako stubs pay. Kana uri kuwana mari imwechete yevhiki nevhiki kana yega, iwe unogona kushandisa mari iyi semuenzaniso wako wekutanga.
Zvadaro, wedzera mune imwe mari yaunowana iwe kubva kune rumwe rutivi rwebasa kana kuti rimwe remaawa. Izvi zvingave zvisina kunyanya kuitika, zvichienderana nekuti iwe unowanzowanzoita sei chikamu chemaawa kana basa.
Pakupedzisira, kuwedzera mune chero rubatsiro rwemwana kana alimony uri kugamuchira nguva dzose. Kana iwe uchigamuchira zvikwereti izvi asi zvisingachinji, unogona kunge usingadi kuvaisa mumari yako yose.
2. Fambira paKushandisa Kwako
Nhanho inotevera inowedzera zvaunoshandisa mwedzi mumwe nomumwe. Iwe unogona kugovera izvi muzvikamu zviviri: kushandisa mari yakakosha kuchengetedza mararamiro ako ehupenyu uye "kuwedzera".
Saka chii chinokosha? Zvinyorwa zvako zvinogona kusanganisira zvinhu zvakadai:
- Housing
- Utilities
- Nhare yefoni uye yekutengesa
- Child care
- Diapers uye formula kana iwe uine mwana
- Groceries
- Gesi
- Inishuwarenzi
- Kubhadhara chikwereti
- Zvido zvinokonzerwa neChidiki sezvikoro zvemasikati masikati, yunifomu yechikoro kana mari yebasa yezvimwe zvechikoro
- Savings
Sei kuchengetedzwa kuri pano? Zviri nyore. Kana iwe uri amai vasina kuroorwa, mari yekukurumidzira chinhu chausingazokwanisa kuita kunze. Emergency savings inogona kuuya zvakanaka kana iwe uine gadziriro dzisingatarisirwi yemotokari kana mwana wako anorwara uye iwe unofanirwa kupotsa zuva rebasa. Kunyange kana iwe uine bhadha $ 25 pamwedzi yekuchengetedza, zvishoma zvingawedzera. Kuchengetedza kuchengetedza sebhadhiro kunovimbisa kuti mari inowanzobviswa nguva dzose.
Zvadaro, famba kune mamwe mazita. Apa ndipo paunosanganisira mari yausingadi. Somuenzaniso, unogona kuva:
- Kudya kunze
- Kuvaraidza
- Zvipfeko
- Kufamba
- TV yefoni
- Gym membership
Bvisa zvose zvaunoshandisa (zvinokosha uye zvinowedzera) kubva pane zvaunowana zvachose. Zvakanaka, iwe unofanira kunge uine mari yakasara. Iyi ndiyo mari yaunogona kuwedzera pakuchengetedza kana kushandiswa kubhadhara chikwereti chako kana iwe wakatakura chikwereti chemudzidzi, chikwereti chemotokari kana zviyero zvekadhi rechikwereti .
Kana iwe usina chimwe chinhu chakasara, kana kuti chakatoipisisa, iwe uri munharaunda, iwe unoda kurongedza iwe usina amai vasina mari nekuderedza mari yako.
3. Kuwana Mari Mubhadharo Yako
Kana uchinge watora bhadha yako yekutanga, unogona kutora kachipiri kuti uwane mari. Heano mamwe mazano chaiwo ekuderedza kushandiswa uye kusunungura mari mubhadharo yako:
Kuderedza mari yekuchengeta vana. Ivhareji yemari yekuchengetwa kwezuva kwechecheche inomhanya pakati pe $ 5,547 uye $ 16,549, zvichienderana nehurumende yaunogara. Iyo inosvika kusvika $ 106 kusvika $ 318 pavhiki. Rubatsiro rwekuchengetedzwa kwemasikati runowanikwa kune vamwe vanamai vasina kuroorana vanowana zvimwe zviwanikwa zvinodiwa asi kana iwe usingakodzeri, pane dzimwe nzira dzingaderedza mari.
Somuenzaniso, unogona kuwana nhengo yemhuri iyo inoda kupa rubatsiro rwevana pamutengo wakaderedzwa. Kana iwe unogona kusimudzira kuchengetwa kwevana nekushandurwa nemumwe amai ane purogiramu yakatarisana neyako. Kunyangwe kuderedza kutarisira kwevana vako mari inodarika madhora makumi mashanu pamwedzi kunogona kuwedzera $ 600 pagore kubva kumari yako.
Shandisai mapurogiramu kuti muwedzere pane zvamunazvo. Pasinei nokuti uri kutengesa zvekutengesa, zvipfeko kana chimwe chinhu chiri pakati, kune app inogona kukuchengetedza mari.
Ibotta, somuenzaniso, inopa zvikwereti pamitengo yekutsvaga kuitira kuti iwe usafanirwa kutora mapikoni. Vavhareji vanoshandisa $ 240 pagore. RetailMeNot inzvimbo yakakura yekutsvaga zviratidzo uye zvinyorwa zvinyorwa zvinyorwa zvevatengesi vakaita seAmazon, Sears naMacy's. Kidizen yakagadzirirwa moms vanoda kutenga (uye kutengesa) nguo dzevana.
Shandisa mukana wako wekwereti yekwereti yekuchengetedza. Mubayiro wekadhi rechikwereti unogona kuva mukuru kana zvichiuya pakuponesa, kunyanya kana uri kuwana mari zvakare. Maererano nehupoti yeWalletHub ya2017, iyo yakanakisisa mibairo yekwereti yemakadhi inogona kupa kusvika ma $ 1,634 mukuchengetedza kwemazana mumakore maviri ekutanga. Chiitiko ichocho chinosanganisira mibayiro inowanikwa kubva kutenga, pamwe chete nebhonasi yekutanga.
Saka ikadhi yemapiyona yakanakisisa sei iwe iwe amai vasina mari? Izvo zvinoenderana nekuti iwe unowanzoshandisa sei. Kana zvizhinji zvekutenga kwako zvakagadzirwa pane zvekutengesa, zvikwata zvakawanda, dhipatimendi rekutsvaga kana nzvimbo dzepafesi, iwe unoda kadhi rinopa huwandu hukuru kana mari yakadzoka inogona kutengeswa idzi. Kune rumwe rutivi, kana iwe uchifamba nevana vako nguva dzose, kadhi yekubhadhara kadhi ingasarudzwa zviri nani.
Ingoyeuka kuti uchenjere kutengesa kwegore negore uye muwandu wepenteji yehuwandu kana iwe uchida kutakura chikero pamakadhi ako. Mari nezvikwereti zvinogona kubviswa pane zvakakosha zvekuchengeta kwako.
Funga shanduro yebhangi yebhangi. Ivhareji yekutarisa kambani inokwereta $ 97.80 pagore mumari. Izvozvo zvingaita sezvizhinji asi zvinogona kuwedzera kusvika kusvika $ 1 000 pamakore gumi. Kana usina kubhadhara mari yebhadha yako munguva pfupi, tora wechipiri kuti uite saizvozvo. Kana uri kuwana nickel uye wakaderera, funga kuendesa mari yako kune bhenji rekuInternet kana bhidhiyo yekodhi iyo inobhadharwa-inobatsira kuti uwedzere mari yako yega yega.