Iwe Zvichida Uchigara Pamari Kubhadhara Chikwereti uye Usazviziva Kunyange
Heano zvimwe zvingasarudzwa:
Borrow Kubva Kumari kana Cash Kubva muCash Value Upenyu HweInishuwarenzi
Iwe une mari shoma inokosha inishuwarenzi yehupenyu huri kuunganidza guruva, kana kunyanyisa, kukudhura mari gore roga roga here? Kana zvakadaro, ungada kufunga nezvekubhadhara kubva pamari yepamusoro kana zvichida kunyange kubvisa purogiramu yacho zvachose.
Cash anokoshesa inshurensi yehupenyu kuvanhu vaduku inenge nguva dzose inowanikwa mari yakaipa. Mune zvimwe zviitiko, vabereki vako vangangodaro vakatora mazano pamusoro pako pawakanga uri muduku, kana kuti zvimwe wakatengesa chirongwa nehurumende ye inshuwarisi. Chero nzira, iwe unogona kunge uine huwandu hwekufa zvakanyanya uye mari inokosha iyo iri kuwana zvishoma zvido. Kana uri kubhadhara 10, 20, kana 30 muzana pane yako kadhi rechikwereti chikwereti gore roga rega, iwe unenge uchiita zvakanyanya kukuvadza kupfuura zvakanaka nokuramba mutemo. Kana ukangobatwa pamatokari ako, unogona kutarisa muhutano hwehupenyu husingaperi .
Kutengesa Non-Retirement Investment
Kana uine zvimwe zvikwereti mumatarenda anowanzobhadhara, zvichida munzira yekuchengetera mari , maCD, kana kunyange mari pamwe chete kana zvigadzirwa, zvingava zvine musoro kutengesa zvimwe zvezvikwereti izvozvo kushanda kune chikwereti chako.
Kunyange zvazvo chero upi zvake hunobudirira pamari iyi inotengesa semari inowanikwa mari gore rino, fanisa muwandu wetero waunenge uchibhadhara uchienzanisa nemari yaunoponesa kuburikidza nekuderedza chikwereti uye kubhadhara zvishoma mukwereti kadhi rechikwereti. Iwe unogona kuwana kuti uri nani pane kubhadhara mitero pamigumisiro yekutsvaga uye kuisazve iyo mari kune chikwereti chako.
Heino muenzaniso wakajeka:
Kana iwe wakapa $ 1 000 mune mutual fund makore maviri apfuura uye iko zvino inokosha $ 1,500, izvo zvinoreva kuti une $ 500 kuwana. Asi sezvo iwe wakachengetedza kubhadhara kwemakore anopfuura makumi mana, inowanikwa kune inowanikwa nguva refu yakawanda inowanikwa mubhadharo, iyo ikozvino 15%. Izvozvo zvinoreva kana iwe ukapedza $ 1,500, iwe unofanira kungobhadhara $ 75 mumitero. Izvozvo zvingakusiya iwe ne $ 1,425 kuisa kune yako kadhi rechikwereti chikwereti. Kana kadhi rako rekwereti rine chikwereti chechikwereti kupfuura 15%, iwe uchave uchichengetedza mari uye uwane chikwereti ichocho chabhadharwa kunyange nokukurumidza, chinoponesa zvakanyanya kufarira pasi mumugwagwa.
Kutengesa Zvimwe Zvimwe Zvinhu
Vanhu vazhinji vane zvinhu zvakawanda zvinounganidza guruva mugaraji kana gasi repasi risati rashandiswa. Apo isu nguva dzose tichifunga kuti tichatoda guitar yakare iyoyo kana nostalgic video game system, zvingangove zviri kungotora nzvimbo.
Funga kuva nekutengesa yadhi, kana kutoisa zvinhu zvakatengeswa pa eBay kana pa Craigslist kuti uwane mari yakawedzerwa. Paunenge uchitengesa imwe chete kana maviri zvinhu zve $ 20 hazvizoiti zvishamiso pane chikwereti chako, kutengesa zvinhu zvishomanana zve $ 20 chete. Kunyange kuunza mazana mashomanana emadhora madhora kuisa hote mune chikwereti chako, uye iwewo uchavawo uchichenesa imba yako kana imba panguva imwe chete!
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Kubhadharwa kwegore negore kunonyanya kukonzera bhajeti yehupi. Kuzvinyorwa kwega roga kunoratidzika sediki uye kusingakwanisi. $ 5 pamwedzi pano; $ 20 pamwedzi ipapo. Vose vangave vasiri basa guru, asi apo chero munhu anyoresa angasaita seakawanda, kana iwe une gumi kana kupfuura zvekubhadhara idzi mwedzi mumwe nomumwe, zvinogona kukubhadhara mashoma madhora emwedzi. Kurambidza, kana kungochera zvishoma, zvishoma zvekubhadhara kwako kwegore negore zvinogona kusunungura pfuma yakanaka yemwedzi mumwe nomumwe.
Uri kubhadhara mwedzi wega wega kune chirongwa che data yeGG 10G kana usati wambotanga kupfuura 6G? Uri kugamuchira shanduro yevhiki nevhiki yepepanhau apo iwe unongova nenguva yekuverenga iyo kumavhiki ekupedzisira? Iwe unogamuchira magazini asi iwe hauwanzokoshesa, kana unogona kutarisa paIndaneti? Izvi zvose zvinhu zvaunogona kuderedza kana kubvisa uye kusunungura mari pamwedzi wega wega kuti uise kune chikwereti.
Usamira pano
Izvi zvinongova mazano mashomanana, asi vanofanira kukupa chimwe chinhu chaunofunga pamusoro pekuti unokwanisa kuchengetedza mari muupenyu hwako. Iwe haufaniri kunge uine murwi mukuru wemari wakagara wakakomberedza kuti uise hote mune chikwereti chako. Kungokwanisa kuwana nzira gumi yekuchengetedza $ 10 mwedzi mumwe nomumwe kunogona kuderedza chirongwa chako chekubhadhara chikwereti nemwedzi kana kunyange makore mashomanana, uye kukuchengetedza mazana kana zviuru zvekufarira kwenguva refu.
Saka, iwe ungawana kupi mari yekubhadhara kadhi rako rechikwereti chikwereti?