Ndeipi Kuponesa Chinangwa Unofanira Kuuya Pakutanga?
Iwe wakaveza imwe mari mubhajheji yako yaunotarisa se "kuchengetedza." Ndiyo danho guru rekutanga.
Asi iwe unewo rurefu rwezvinangwa zvokuchengetedza. Nguva yako yegumi nemakore iri kuuya. Vana vako vari kuenda kuchikoro nokukurumidza. Iwe unoda kubvisa basa. Iwe unofanirwa kudzorera yako motokari.
Iwe unoronga sei zvinangwa izvi zvose? Heano zvishomanana zvinyorwa.
Pamusoro pehupenyu hwako, kuronga kwekubatana, chengetera iyi bhasiro rekubhajisa bhajeti.
Your Emergency Fund Inouya Pakutanga
Pasinei nokuti zvinangwa zvako ndezvipi zvakakosha, kuvaka chikwata chekukurumidzira kunofanira kuuya nguva dzose.
Mari yekukurumidzira mari iyo iwe unoisa pane imwe nzvimbo yakaipisisa-zviitiko. Kana iwe ukawana wakabviswa kubva kubasa, kana injini yemotokari yako ichinyura kana kana moto weimba yako ichivhuvhuta, iri mari inoshamisika ichachengetedza zuva racho. Ndiko kuchengetedza kwako netambo .
Vanhu vazhinji vanoita chikanganiso chokufunga kuti kadhi ravo rekukweretesa rinofanira kushandiswa kune zvinoitika. Marikiti yemakadhi haafaniri kushandiswa semutoro wekuchengetedza. Chikwereti chemari chikwereti chinokonzera matambudziko; hazvigadzirise zvinetso.
Nyanzvi dzinopesana pamusoro pemari yakawanda yaunofanira kuisa pane imwe nguva nekuda kwekukurumidzira, asi kubvumirana ndeyokuti unofanira kuchengetedza mwedzi 3-6 yekugara mari.
Dzimwe nyanzvi dzinofunga kuti iwe unofanira kuchengetedza zvakanyanya semwedzi 9-12 yekubhadhara, kunyanya kana iwe uri wega pabasa kana kana basa rako riri panjodzi.
Kusara Kwako Kwava Kuuyawo Pakutanga
Kuita basa rekuchengetedza mari kunenge kwakasungirirwa nechikwata chekukurumidzira sechinangwa chako chikuru chekuchengeta mari.
Vabereki vakawanda vanoita chikanganiso chekuisa mberi kwekuchengetedza vana vavo kuhoji yekoroji panzvimbo yekuchengetedza kubasa kwavo. Kunyange zvazvo chiri chimiro chekuda kubhadhara chikoro chako chevana, ichi chikanganiso chikuru.
Vana venyu vaduku; ivo vane upenyu hwavo hwose huri pamberi pavo kuti vadzorere zvikwereti zvavo uye vanochengetedza kubhadhara kwavo. Iwe - semubereki - hauna hupfumi huno. Iwe une nguva yakasimba yakatarisa kugadzirira kubhadhara.
Yeuka: vadzidzi vanogona kutora chikwereti chevadzidzi. Iwe haugoni kutora 'chikwereti chekurega basa.'
Dzorera Mari Yako Kwereti
Kubhadhara makadhi ako ekwereti zvakakosha kune utano hwakanaka hwehutano. Chikwereti chekubhadhara chikwereti chinofanira kuva pamusoro pezvimwe zvinangwa, kunze kweropa rako rekukurumidzira uye kubvisa kwako basa.
Kana uine chikwereti chekwereti chekwereti chikwereti, iwe unofanirwa kuchengetedza mari shoma ye $ 1 000 muruoko rwako mune rimwe dambudziko rekukurumidzira uye chengetedza zvishoma chikamu chekutanga chekuita basa rako. Isa chikwereti chako chose chekuchengetedza kubhadhara chikwereti chako chekwereti chikwereti . (Kana iwe usati uine bhajeti, dzidza kugadzira bhadha yako yekutanga , kuitira kuti uone zvose zvinangwa izvi.)
Dzimwe nyanzvi hazvibvumirane nemushumo we $ 1 000. Vanopikisa kuti kunyange vanhu vane makadhi ekukweretesa akakweretesa vanofanira kuchengetedza mwedzi 3-6 yekugara mari vasati vadzorera zvikwereti zvavo.
Kana iwe une kadhi rechikwereti chikwereti, iwe unofanirwa kusarudza chero chipi nechipi chinogona kukubatsira kurara zvakajeka usiku. Chengetedza zvidhinari zve $ 1 000 mune chimwe chikamu chekutsvaga kana kuti mwedzi miviri yekugara.
Chimbofunga Chii Chingaitisa Chikwereti Munguva Yemberi
Kana uchinge wavaka gorozi rekukurumidzira, wakachengetwa kubhadhara uye ukabhadhara zvikwereti zvako zviripo , chinotevera chako chinofanira kunge chiri chokuchengetera chero chiitiko chingaita kuti upinde mune chikwereti munguva yemberi.
Tarisa makore 5-10 mune ramangwana kuti utarisire kamwechete-yega-yezviitiko zvegore gumi zvinogona kukukonzera kupinda mune chikwereti kana iwe usina kugadzirira. (Yeuka, mari yako yekukurumidza inofanira kunge iri yekupedzisira-yakasarudzwa.)
Tora mienzaniso inotevera ichifungisisa:
Car Car Example: Unoziva kuti iwe uchazopedzisira uchinje motokari yako. Tanga kuponesa kuitira kuti ugone kutenga motokari yako inotevera mune mari - pane kutora chikwereti chemotokari - nokuita mwedzi "motokari yemari" iwe pachako.
Ngatiti iwe uri muitiro wekuita $ 200 mari yemwedzi pamubhadharo wemotokari yako. Kana wapedza kubhadhara motokari yako, ramba uchiita $ 200 mari yekubhadhara pamwedzi - kunze kwezvino, iwe uri kubhadhara iwe pachako.
Tungamira mari yacho mune imwe nhoroondo yekuchengetedza yaunofunga kuti unotenga motokari yako inotevera.
Musha Muenzaniso: Kana uri muridzi wemba, iwe uchazopedzisira uchitora denga rako, marapati ako uye midziyo yako huru sefriji yako, washer, uye dryer. Panzvimbo yekubhadhara mari idzi, tanga mari yekuchengetedza idzi idzi kamwe-gumi-gumi mari .
Chikoro Muenzaniso: Kana uri kufunga nezvekudzokera kuchikoroji kana kuchikoro chechikoro, kana kana uchida kutumira vana vako kuchikoro, tanga kuponesa ikozvino kuti urege kutora chikwereti chemudzidzi . (Ingoyeuka - kurasa kwako kunouya kutanga!)
Muenzaniso Womuchato: Kana iwe uchida kupinda muchikwereti kuti ubhadhere nekuda kwemuchato wako, tanga uchidzikinura pakarepo - kunyange kana iwe usati wambosangana nemumwe munhu anokosha zvakadaro. Edza iyi pepa rekushandura rinokubatsira iwe kuchengetedza zvinhu "zvinonakidza".