Tora wawakaroorana naye pane imwecheteji yemari sezvaunoita
Iwe unofarira mukugadzira bhajeti uye kuchengetedza mari yako zvakanyatsonaka. Wawakaroorana naye anogomera pfungwa yacho. Chii chaungaita?
Vanhu vazhinji vanozviwana ivo mumatambudziko aya zuva rega rega. Mumwe mumwe wako kana kuti shamwari yake anotarisira kuva nemafungiro emari, asi mumwe wacho haatarisiri mari uye anoseka pamusana wekucheka zvakanyanya.
Vose venyu mungaita sei kuti vawane mari? Heano mazano mashomanana anogona kubatsira kubatsira mumwe wako kana shamwari yako pabhoti nemafungiro ekugadzirisa bhajeti.
1. Isa Chinangwa Chimwe
Usavhura hurukuro uchiti, "Mudiwa, ndinofunga kuti unoda kuderedza X." Chirevo chakadai sezvikamu izvi chirevo chekugadzirisa bhajeti nekuchengetedza mumashoko asina kunaka. Izvi zvinokonzera kutarisira kwemari kutaridzika seyetani yemirairo uye zvinyorwa.
Pane kudaro, svinudza hurukuro uchiti, "Mudiwa, ngatitaure pamusoro pezvimwe zvezvinangwa zvatinoda kuita mukati memakore mashanu kusvika gumi anotevera. Chii chatingafarira kuita? "
Vose venyu munofanira kuva nehurukuro yakareba pamusoro pehupenyu hwenyu hwakanaka hwakafanana pamwe chete. Usataurirana nezvemari panguva ino - taura chete pamusoro pechiratidzo. Heano mazano mashomanana kuti iwe utange:
- Unoda here kupedza mwedzi mumwe uchifamba muEurope pamwe chete?
- Unoda kutenga chikepe uye upedza mwedzi mishoma muCaribbean here?
- Ungada here kubhadhara mari paimba , kana kutengeserana kubva kumba kwako ikozvino kumusha kuenda kunogara nokusingaperi kumusha?
- Ungada kubhadhara mari yako yekutengesa , kana kubhadhara mari yemotokari yako inotevera here?
- Ungada here mari yekoroji yemwana wako kuti ive $ 25,000 yakazara?
- Iwe unoda kuenda kumusha nemakore makumi mashanu, kutanga bhizinesi rako, kana kuti ugadzire sangano idzva risingabatsiri munharaunda yako?
Kurukura zvinangwa zvako usingabatanidzi mune zvemari. Tsvaga kuti ndezvipi zviratidzo nezvinangwa zvaunofambidzana nazvo mune ramangwana.
2. Isa Maonero Emari Pamitambo Yako
Kana ukangobvumirana pamusoro pezvinangwa zvako zvemangwana, taurira pfungwa yemari uye uchitaura mazviri mumaonero chaiwo.
A 20% mubhadharo pasi pamusha we $ 200,000, somuenzaniso, unosvika $ 40,000. Rwendo rwemwedzi mumwechete kuEurope nokuti vanhu vaviri vangauya madhora 4,000 - $ 10 000, zvichienderana nehuwandu hwehupfumi hwaunotsvaka.
Kubhadhara mari yemotokari yako inotevera kunodhura pakati pe $ 8,000 uye $ 20,000, zvichienderana nemhando ipi yemotokari yaunoda.
Kubvisa zvishoma kungangodaro paunenge uchiwedzera ma 401 (k) gore negore .
Panguva ino, une nhamba uye iwe une nguva yakatarwa. Kubatana kwakasiyana kunogona kukubatsira kunzwisisa kuti mari yakawanda yaunoda kuisa pamwedzi woga woga kuitira kuti uwane chinangwa chako.
Kuchengetedza $ 40,000 pamakore mashanu anotevera, somuenzaniso, inoda kuchengetedza $ 8,000 pagore, kana $ 665 pamwedzi. Kana uchida kuchengetedza mari iyi yekubhadhara pasi pamusha, iwe zvino unoziva kuti uchadii kuisa pamwedzi wega wega.
3. Taura Nekuchengetedza
Iye zvino zvaunenge uine chinangwa chekugadzirisa mwedzi mumwe nomumwe , unofanira kukurukura kuti ungawana sei mari iyi. Ronga kuderedza zvishomanana mari, kubhadhara mari yakawedzerwa kune rumwe rutivi, kana kusanganiswa kwezvinhu zviviri kuitira kuti urove chinangwa chako chekupedza mwedzi.
Wawakaroorana naye angave ari kunyanya kuvhara iye zvino nekuti iyo hurukuro haina kuumbwa maererano nekucheka zvakare.
Iyo hurukuro inorongedzwa maererano nekutengesa mari imwe kune imwe. Iwe unogona kushandisa $ 600 pamwedzi uchidyira paresitorendi, kana iwe unogona kuva nemari yakakwana yekubhadhara pasi pamusha mukati memakore mashanu. Paunenge uine huwandu hwekuwana mari, haugoni kuva nezvose, saka iwe unofarira chii?
Nokugadzirisa hurukuro maererano nekutengeserana-kunzvimbo panzvimbo yezvibayiro, mumwe wako anonyanya kuve achigamuchira - kunyanya kana iwe ukashanda kune zvinangwa wako wako anofara nezvazvo.
Kana imi mose musina kugadzirisa chinangwa chekuisa pfungwa pazviri, regai mumwe wako ataure pamusoro pezvaanotarisa. Iwe uchakwanisa kutaurira zvavanonyanya kufara nezvazvo nechinangwa chavanowedzera kazhinji. Chinangwa ichocho ndicho chingave chavanonyanya kufara kuchengetedza.