Rudo Nemari

Vakaroorana Vanoda Kuve Nezvemari Vanowirirana Kana Vanoda Kudzivisa Simba

Mutemo # 1 munyaya yandakanyora makore apfuura ichitaura kuti 7 Mitemo yePfuma yekuAmerica neAmassing Money inotaura kuti kuwana mudzimai anobatana kunokosha pakuwana rusununguko rwemari uye rusununguko. Asi sezvamunoziva, hukama uye kudyara zvinhu zvakanyanyisa zvakaoma uye kusanganiswa kwemaviri kunogona kuva kamukira ye njodzi. Hezvino izvo zvaunofanirwa uye haufaniri kuita nemari yako apo iwe unobatanidzwa nemumwe munhu.

Rudo Nemari Chimwe Chimwe Chekutanga 1: Chekuita vs. Joint Accounts

Vakaroorana uye nyanzvi zvakafanana vakakurukura pamusoro pezvekodha uye dzekubatana kwekodzero kwenguva yakawanda iyo vanhu vakawanda vanogona kuyeuka. Mativi acho maviri ari kurwisana nechinangwa chimwechete - kuvaka chinyararo chakasimba apo paine kuchengetedza mari. Nharo dzinoenda chimwe chinhu chakadai: 1.) nhoroondo dzekubatana dzinovaka pfungwa yehubatano inokosha kuhukama. Kana iwe ukaparadzanisa mari, iwe unotora kuwirirana kwepamusoro kunofanirwa kuvapo mune hukama hupi hwenguva refu, kana 2.) nhoroondo dzakasiyana dzinobvumira mumwe nomumwe kukwanisa kuchengetedza kuzvimiririra, kusimbisa kusimbisa ukama.

Ndeipi rutivi rwakarurama? Izvozvo zvinoenderana.

Iwe usati wafunga kunyange kuronga ramangwana rezvemari kune mumwe munhu, unofanirwa kutarisa kuti unhu hupi hwaunacho. Kana ukakwanisa kutarisira mari yako, wakazvipa iwe sarudzo dzekutsvaga mari, uye wakanga uine maaiti akakodzera ekurega basa iwe usati wapindira, iwe uchave wakanyanyisa kurega kutonga ikoko kune ani zvake-kusanganisira munhu waunogona kushandisa nguva yese yehupenyu hwako.

Kune rumwe ruvoko, dai iwe wakanga uchinge uchinge uchinge uchinge uchinge uchinge uchishandisa uye uchingoshandisa mari yechikwereti, unofunga kuti iwe unenge uchinyanya kusarudza kuzarura ma joint account. Pakuguma, nhoroondo dzinofanira kunge dzichibatanidzwa kana (uye izvi zvakakosha zvikuru) mapato ose ane rudzi rumwe rwemari.

Rudo Nemari Nyaya 2: Mapato maviri Anofanira Kuzvidavirira Kwemari

Ndapota funga izvi hazvirevi kuti mumwe wenyu ane kodzero yekukumbira mari pose paunonzwa sezvazviri.

Kakawanda, ini ndichawana tsamba kubva kune vakaroorana vanonyunyuta kuti murume kana mudzimai anonzwa semwana ari kugamuchira mugove. Mune zvimwe zviitiko, iyi ndeyekubvumirana kwakakodzera. Kazhinji pane zvisingatauri, kana nyaya yose ichitaurirwa, zvinowanzoitika kuti bato riri mubvunzo haigoni kubata mari.

Rudo Nemari Muenzaniso: Nyaya yeKent naErizabheti

Tose tinogona kutora chidzidzo kubva kuna Kent naElzabeth Washington, murume chaiye vakaroorana vane mazita andakachinja. Vasati vasangana, Kent aiva neresitorendi uye akaita madhora madhora 40 000 pagore. Mukadzi wake aiva mudzidzisi wepuraimari uyo akaunza kumba inenge $ 23,000. Elizabeth akapiwa $ 200 vhiki imwe neimwe kutenga zvokudya uye kutarisira mari shoma yemhuri. Akashungurudzika pakugamuchira "mari" yekuti akapa Kent magwaro okuparadzana nokuti akaramba kuchinja nzira yaakwanisa kuchengeta mari yemhuri yavo. Akafunga kuti, semudzidzi akadzidziswa achiwana mari yake, mari yacho yakanga yakakodzera.

Ichokwadi chechinhu chacho, musati mamiriro avo ezvinhu iye zvino, vose vari vaviri vakatarisa kutarisa maakaiti. Erizabheti akatora purogiramu yevhiki yega ye $ 442.31 uye akaiisa mubhuku rake, sekunge kuti akanga asina kuroorwa. Mari yose yekubhadhara mari yaingova inopfuura $ 35,800 gore negore kusanganisira rendi, zvokudya, nezvimwewo.

Nemhaka yokuti akaunza 36.5% yemari, Kent akafunga kuti anofanira kubhadhara chikamu chimwe chete chezvikwereti. Izvi zvakashanda kusvika kumadhora 13,067 gore negore. Vhiki mbiri muurongwa hutsva, Elizabeth akanga apedza mari yake yose uye haana kubhadhara chero yemari. Akaenda kumurume wake ndokumuudza kuti aifanira kuripa. Kent akaramba, uye pakupedzisira, mabhiriro haana kubhadharwa, Elizabeth akanga asina mari yakasara. Kutsungirira mberi kune iye zvino naErizabheti iye zvino anogamuchira "chipo" apo Kent anobudirira kuchengeta mari yemhuri yake, kuve nechokwadi chokuti simba ravo harina kupfigwa pakati peusiku.

Maitiro? Seine utsinye sezvinonzwika, Kent aive akarurama. Kana iwe kana mudzimai wako musingagoni kuve nemhosva nemari, hamuna kukodzera kuva nekutonga pamusoro pavo kana mune tariro yekuvaka upfumi semhuri, kuchengetedza basa rekugara zvakanaka .

Izvi zvinonyanya kuitika kana iwe uine vana. Nyaya yenyaya yacho, kana Elizabeth akanga ari oga, mari yake yemwedzi yaizove yakakwirira nokuti mari-kuchengetedza kurarama nemumwe munhu ingadai yakabviswa. Mumwedzi mishomanana chete angangodaro akatarisana nemukana wekupera.

Uyu hausi mutambo; Ndihwo hupenyu hwako. Izvo hazvina kuita-overs kana kuedza-agains. Kutaura kwaErizabheti ndiko kuti ainzwa semucheche. Kunyangwe ichi ichi dzimwe nguva chinetso chaicho chaizvo, mumamiriro ezvinhu akadai saiye, chikonzero ichocho nzombe. Sezvo Erizabheti achangotanga kuita semunhu mukuru uye anotora mari yacho nekuzvitarisira, anofanirwa kuva nekodzero yokuenzana mune mari yemhuri. Kusvikira panguva iyoyo, zvachose kwete. Kune varume vari kunze uko vari kunhuwa-izvi zvinosanganisira iwe. Kana mudzimai wako ari iye ari kuponesa, kuisa mari, uye kuva nemari mune zvemari , uye iwe usingatauri kushandisa mari, iwe hauna bhizinesi rekuita zvisarudzo zvemari. Haisi kodzero yako se "murume" weimba kuti ave mutariri wemari. Basa iroro rinofanira kuenda kuna avo vanofanirwa. Iva nemhosva uye wakatendeseka zvakakwana iwe pachako kuti uone kuti ndiani uyo kunyange kana zvichireva kurega kuzvidzivirira pamusoro pebhuku.

Rudo Nemari: Yakagadzirirwa-In Solution

Kana iwe uchiri kuda kuva nekambani yakabatana, asi iwe unonetseka pamusoro pomumwe wako achikwanisa kudzora kana kupedza chikamu chezvikwereti, usatya. Nzvimbo dzakawanda dzekutengeserana dzimba dzinopa "chiratidzo chechipiri" pane zvinyorwa zvavo vachivimbisa kuti mari haigoni kushandiswa, kubviswa kana kusunungura pasina kubvumwa kwakanyorwa kwevose mapato. Ichi chinhu chinoshamisa chekuti haisi kungovhara kukanganisa kunogona kukanganisa, asi kuchaponesa mari. Mushure mezvose, kana iwe uchizoita kuti chimwe chinhu chinokosha chibvumirane nekutenga kwose, iwe uchada kupedza kushandisa zvishoma, izvo zvakanaka kune vose vanobatanidzwa!

Hondo yeRudo uye Mari Mazano

Chimwe chinhu chekucherechedza ndezvekurwa kunobva kune zvakasiyana-siyana zvekutsvaga michina. Kana mudzimai wako kana murume ari mubhadharo wekubatsira uye iwe unofarira zvikuru-kureva, kutengesa kwemahombekombe, zvisinei kuti iwe uri nemhosva yei mumwe nomumwe, zvingava kuchenjera kuva neakazvinyorwa zvikamu. Kana zvisina kudaro, mumwe wenyu kana vaviri venyu muchazoguma makagumbuka uye mune hasha.

Mhedziso ...

1. Kana iwe newawakaroorana naye mune maonero akafanana nemari, kuisa mari, nekuchengetedza, yakazarura nhengo dzekodha.
2. Kana mumwe kana kuti mose muri shopaholic, sarudzai chiratidzo chechipiri pamutengesi wenyu uye chengeta maakaunti.
3. Kana uine mazano akasiyana, ona maakareji akasiyana! Chii chinoita kuti pave nechinokonzera kukakavara?
4. Iva nezvinangwa zvinowanikwa muhukama hwako. Izvi hazvifaniri kuve zvishoma kumari.
5. Chengetedza kadhi rimwe chete rechikwereti pakati penyu vaviri nekuda kwekukurumidza kana kuti kuvaka chikwereti.
6. Chengetedza ruzivo rwemari yako (zvose zvakasungirirwa uye munhu mumwe nomumwe) mune zvakanaka software package like Quicken.

Kuti uwane mamwe ruzivo pamusoro pekuti sei kuwirirana kwehupfumi kwakakosha, verenga 8 Matambudziko Ezvoupfumi Nekuroorana Vose Vanotarisirwa Kuda Kuziva .