Usawana Kubatwa Nokushamisika munaMuvhuro!
Heano zvimwe zvirevo zvinokuratidza kuti une zvakakwana kubhadhara mutero wako wemari uye mabhizimusi emitero yeimba.
Ita Asiri 30 Percent Of Paycheck Yese
Vanhu vazhinji vanozvishanda vatove netsika yekuisa kunze kwemazana makumi matatu emari yekubhadhara mitero.
Asi kana uine basa renguva yakazara uye iwe mwedzi wekudzikinura, kubvunzurudza, kudzidzisa, kubvumirana kana kuita mamwe mabasa akazvimiririra emari inowanikwa, unogona kushamiswa nemutero wemutero unogamuchira gore rinotevera. (Kutya kwako kuchapetwa kaviri kana chikwereti ichocho chakakura zvakakwana zvokuti chinosanganisira chirango chematare emari asingabhadharwi).
Dzivisa kushamiswa uku nokuisa padera 30 muzana yebhadharo rega roga roga roga raunowana. (Kutmus test: kana mubhadharo usingatori mitero yakabviswa nemuridziri, ipapo iwe unofanira kuisa kunze kwemazana makumi matatu). Isa iyo mubhadha yebhangi iyo yakarongedzwa zvakananga kumitero yebhadharo.
Budget mari iyi kubhadhara mitero inoyerwa yegore rimwe chete, kana inoshanda. Kana zvisina kudaro, shandisa mari pakutanga kwegore rinotevera, apo nyanzvi yako yezvemitero inoyera kuti iwe unokwereta sei Uncle Sam.
Ko kana iwe usingakwanisi kuwana mari yechipfumi, asi iwe uchiri kunetseka nemutero wekubhadhara mutero weMuvhuro?
Iwe unogona kudikanwa kugadzirisa iwe neholdings.
Tora pfungwa dzako dze "True" Mortgage kusanganisira Imba Mitero
Mutengo wekutora chikwereti chavatengesi vanotora 1 / 12th yemutero wenyu wemutero mwedzi mumwe nomumwe. Vanobata mari iyi mune imwe nhamba yekusimudzira kusvikira yava nguva yekubhadhara hurumende.
Nokuita izvi, uyo anokupa chikwereti anokumanikidza kuisa bhajeti (kuisa padziri mari shoma mwedzi mumwe nomumwe kuti ubhadhara mari yakawanda-ye-imwe nguva).
Iko chikwereti chinovimbisa kuti musha wemitero ichabhadharwa, uye nzvimbo yacho haizotori nekambani yemutero.
Asi kana iwe uine chikwereti chisiri chetsika, kana uine imba yako isina chakanaka uye chakajeka, iwe unogona kunge usina ruzivo rweunokweretesa uri kukukomberedza kubhadharo yemari yako yemutero. Iye zvino mutoro unowira kwauri.
Kana iwe uri muchikepe ichi, mupfungwa mupfungwa dzako "yekutora chikwereti" kuenzana nemari yekubhadhara chikwereti, 1/12 mutero wekutengesa pfuma, uye 1/12 muridzi weimba ye inshuwarisi. Mune mamwe mazwi, pane kuzvitaurira " mari yangu yemari inodarika $ 700 pamwedzi, uye ndinobhadharawo madhora 2400 pagore mumitero yemitengo," zviudze iwe, "mari yangu yekubhadhara ine $ 900 pamwedzi."
Kana iwe uine imba yakasununguka uye yakajeka, fungidzira iwe uchiri ne "chikwereti" chemhando. Kunyatsofungisisa iyi "chikwereti" kuenzana 1/12 mutero wemapurisa plus 1/12 inishuwarenzi.
Chikamu chinyorwa: Kuti uwedzere kubudirira kwe nzira yaunoronga nayo imba yako , isa pane imwezve 1/12 ye1 muzana yemutengo wekutenga mwedzi wega wega nekuda kwekugadzirisa musha.
Semuenzaniso: kana iwe une imba ye $ 300 000, sarudza $ 3,000 pagore, kana $ 250 pamwedzi, kana kugadzirisa kwenguva refu nekugadzirisa. Kana uine musha we $ 200,000, sarudza $ 2,000 pagore, kana $ 167 pamwedzi.
Iwe hausi kuzopedza izvi zvakawanda gore negore. Mamwe makore iwe uchapedza zvisingabatsiri; mamwe makore iwe uchadonha $ 15,000 paimba itsva.
Wedzera izvi muimba yako yemitero uye inshuwarisi apo iwe uri mupfungwa kugadzirisa yako "chaiyo" kutora chikwereti . Somuenzaniso, unogona kufunga nezvekutora chikwereti chako chekubhadhara chikwereti chemari ye $ 1100 pamwedzi, $ 500 yemitero yekubhadhara mitero, $ 300 yemari yekubhadhara mari, uye $ 300 yekugadzirisa / yekugadzirisa mari yekubhadhara, nokuda kwe "real" mortgage ye $ 2200 pamwedzi (inowedzera mari inokwana $ 1100 yekubhadhara chikwereti! )