Imwe sarudzo: Unogona kugara uchidzokera zvakare nevanhu vako. Zvinogona kunge zvisingaoneki zvinofadza kune munhu mukuru achangobva kugadzirwa achida kuzvimiririra, asi kurarama nevabereki vako kunogona kuva imwe yezvakanakisisa zvemari zvaunosarudza.
Amanda Abella akapedza kudzidza muna 2010 uye akagara nevabereki vake kwemakore manomwe, achangobva kubuda ari oga.
"Kubvira mune zvezvemari, ndingadai ndisina kukwanisa kuita zvakawanda zvandaita kana ndisina kugara navo kwechinguva," anodaro. "Ndakapedza kudzidza muna 2010, iyo yaiva yehupfumi. Nenzira yakanaka, ndaigona kugara kumba. "
Abella ave achikwanisa kuchengetedza uye kuisa mari, kutanga bhizinesi uye kutora matambudziko - zvinhu zvaanobvuma kuti haazokwanisa kuita kana iye ari oga uye achibhadhara zvikwereti zvake kubva kune Zuva Rimwe. Kunyange iwe usingagoni kuronga kugara nevabereki vako kwemakore manomwe, pano chikonzero nei kupedza nguva yakawanda kugara nevabereki vako ndechimwe chezvinhu zvakanakisisa zvemari zvaunogona kuita.
Iwe Unogona Kurambidza Kuponesa Kwako
Mufaro wakajeka wekugara nevabereki vako uri kukwanisa kutora tani yemari. Izvi zvinonyanya kuitika kana iwe uri muguta rine mari yakakura yekurarama .
Iwe unogona kuchengetedza mari nokusabhadhara:
- Rent / mortgage
- Zvishandiso - gesi, magetsi, internet
- Renters kana mortgage inshuwarisi
Abella anotaura kuti kugara nevabereki vake kwakamubatsira kuponesa pakutanga. "Ndakanga ndisiri kuita mari yakawanda pamabasa angu ekupedzisira kuti ndigare mune rimwe guta rakafanana naMiami," anodaro. Kuponesa dambudziko guru muAmerica, uye vanhu vakawanda vasingakwanisi kutenga $ 400 inokurumidza .
Kurarama pamba kunogona kukubatsira kutanga kutora mari kuitira kuti iwe ugone kuvaka hurongwa hwekukurumidza uye uise pasi nheyo yakasimba iyo iwe unogona kuzviriritira mune ramangwana.
Iwe Unogona Kukunda Chikwereti Chako
Kana iwe wakanyengedza chikwereti chemari chikwereti chikwereti pakoroji, hausi wega. Mukati, kune vanopfuura mamiriyoni makumi mana emadhora ekubhadhara chikwereti muAmerica, vachibhadhara mari inokwana madhora 1.3 triliyoni. Avhareji yebhadharo yemari yekubhadhara chikwereti inodarika madhora 300 pamwedzi, iyo inogona kutora kukura kukuru kubva mubhajheji yako.
Kurarama kurenda-isina vanhu vako vasingabvumiri kunoita kuti zvikwereti zvishoma zvigone kutenga, asi zvinogona kukubvumira kuisa zvakawanda kune chikwereti chako. Kubhadhara zvinopfuura zvishoma zvinogona kukubatsira kuti udzike pane chido uye uise zvimwe kutarisa kushandiswa.
Iwe Unogona Kutanga Kuisa Mari Pakutanga
Kana zvasvika pakuisa mari, nguva ndiyo shamwari yako yepamusoro. Dambudziko nderokuwanda kwemafuro echangobva kuitika haakwanisi kutanga nekutsvaga mari, kunyanya kana vakazara nekwereti. Kurarama pamba nevabereki vako kunosunungura mari yokubhadhara mari - inowanzobhadhara mari yako yakawanda-saka iwe unogona kutanga kutora mari yako yeramangwana.
Iwe unogona kutanga kutora mari muIRA kana 401 (k) pamwe chete nemusika wekutengesa. Kana iwe uchitanga kuisa mari panzvimbo 25 panzvimbo ye 35, simba rekugadzira chikwata richaita kuti zvive zvakanyanya kukura dendere-zvichida kunyange kukubvumira kuti ubve pamba.
Kutanga kuisa mari kare kunogona kukupa gumbo guru kumusoro, pasina kuwedzera zvakanyanya.
Iwe Unogona Kupedza Zvishoma Pamusoro Pokudya
Hazvisi zvakaoma kuparadza bhajeti yako pane zvekudya, kunyanya kana iwe usina ruzivo rwekutengesa zvekutengesa uye kubika zvokudya zvinodhaka. Zvichida iwe uchange uchigovera kudya nevanhu vako-uye zvichida kunyange kutora chikafu chekudya chakabikwa pane nzvimbo yemafuta. Uyezve, ndiwo mukana wakanaka wekutengesa-dzidziso yekuzvigadzirira iwe pachako kuitira kuti ugone kudya pabhajheji paunobuda.
Iwe Unogona Kunetseka Kutora Mikana uye Iva Pamwe
Kurarama nevabereki vako kune zvakanakira mari mari. Asi rimwechete iwe unogona kunge usingazivi kuti kugara nevabereki vako kunokupa iwe ropafadzo yekutora mikana uye kusarudza.
Kuchengetedza mari yako kunodzora zvinoreva kuti haufaniri kutora chero basa chero ripi zvaro, kana kuti kuenda kune imwe nzvimbo-isina-yakanaka nokuti ndizvo zvaunokwanisa kuwana.
Iwe unogonawo kuva nehasha zvikuru nekuisa mari uye kutora mikana pakutanga bhizinesi.
Abella munguva pfupi yapfuura akabuda kunze, asi akaonga kuzviita panguva yakakodzera ye nzvimbo yakakodzera. "Kurarama nevabereki vangu kwakandibvumira kuti ndive munhu anonyanya kukosha, nokuti kwakanga kusina kumhanya," anotsanangura kudaro. Kurarama pamba kunoreva kuva nechekuchengetedza tsvina kuti uedze zvinhu zvitsva.