The Top Personal Finance Zvinokonzera Vakaroorana Vasina Kuroorana

Nhamba yevakaroorana vasina kuroora vanogara pamwe chete yakawedzera ne 88% pakati pe1990 na2007, uye nhamba chete inoramba ichikura pamwe ne12% yevanhu vakaroorana vanogara pamwe chete nhasi vasina kuroora uye vazhinji vevakaroora vari kuroora vakasarudzwa kugara pamwe chete kutanga .

Zvichida zvinonakidza zvikuru ndezvokuti vanhu vakasiyana-siyana vanoita kuti vanhu vasina kuroorana vakwanise. Asi kunyange nekusiyana kwavo, vakaroorana vane chido chekugovana pamwe chete netsika imwe chete yakafanana: havakwanise kurongedza mune ramangwana ravo remari kupfuura vakaroorana.

Muzvokwadi, kubatanidza vakaroora vasina kuroorana vanosangana nemari yakasiyana-siyana nyaya uye zvisarudzo pazvinosvika mukugadzirisa zvemari. Heino hutatu humwe hutatu humwe hutano hwehupfumi huri kutarisana nevarume vasina kuroorana nhasi:

Mashoko Akabatana Kana Akasiyana Uye Matongerwo Enyika

Nyanzvi dzakawanda dzezvemari dzinokurudzira kuti mumatanho ekutanga eukama umo vanhu vasina kuroora vakaroorana vanotanga kusarudza kugara pamwe chete zvakanakisisa kuchengetedza zvinhu zvakaparadzana kuti dzidzivise kupesana kwedzimba gare gare. Kuparadzanisa zvikwereti zvichida zvakanyanya kukosha kune chikwereti sezvikwereti kana makadhi emakadhi. Pakupedzisira, kana mazita ose ari panhoroondo, vaviri ivavo vane kodzero yepamutemo yezvinhu zviri munhoroondo, izvo zvinogona kuva chinhu chakanaka kana chakaipa zvichienderana nemamiriro ezvinhu.

Iyi ndiyo iyo mamiriro ekubatanidza mazita akadai semotokari kana dzimba. Inogona kunyanya kuedza kubatanidza zvinhu zvako uye kuzarura nhaurirano iyo iyo murume nomudzimai vasina kuroora vakaroorana vane mari yekubatanidza mari yakadai serenda, zvishandiso, kana zvekutengesa, asi kusvikira waita iyo yakadaro yekuzvipira kune ukama (zvichida kana kwete iyo pakupedzisira inosanganisira kuroorana) , zvakanakisisa kuchengeta zvinhu zvakawanda zvakasiyana.

Asi heino mazano mashomanana ekutarisira mari yakajoka asi uchichengetedza huwandu hwemari yako nemari pakutanga zvakaparadzana:

Matambudziko emitero

Kubva mune zvekubhadhara mari yezvemitero, vanhu vasina kuroorana vanogona kuita zviri nani pane vakaroora. Kunyange zvazvo kune zvikwereti zvekubhadhara, kune vamwe vakaroorana vanowana izvo zvinowanzozivikanwa sebhorosi yemutero wewanano, vamwe vanotambura mutero wemutoro wewanano.

Inofungidzirwa kuti vamwe vakaroorana vanogona kubhadhara "chirango" kusvika kusvika 12 kubva muzana yemari yavo yakabatana kana vakawira kune rumwe rutivi rwakashata kana kuti mativi ezvikamu zvakasiyana-siyana zvezvinhu zvakadai sekuti vane vana pamwechete, zvakasiyana sei nemari yavo, uye kana ivo itemize zvakabviswa.

Kana iwe uri chikamu chemurume nemudzimai vasina kuroora, iwe ucharamba uchiisa mitsara yako yemutero iwe pachako, saka iva nechokwadi chekushandisa zvakanakisa kubhadhara zvakanyanya uye mikana yekuderedza mutoro wako wemutero:

Utano Nehutano-Hwakabatanidzwa Nenyaya dzeMari

Imwe mari inobhadhara vanhu vasina kuroora kana kuroorwa inowanzobatana nehutano asi ine hutano hwemari kune vose mapato. Nyanzvi dzezvemari dzinozvibvumirana dzinobvumirana kuti matongerwo emigwadhi uye magwaro emagariro ezvokurapa anokosha kune vose, kusanganisira vakaroora vasina kuroora uye vakaroorana. Mubvunzo wekuti dzimwe sarudzo dzichaitwa sei uye kuti mari inofanira kutarisirwa sei kana mumwe wako aenda kana kuti akaremara haafaniri kusara kumubvunza. Kuti vave vakagadzirira nokuda kwezviitiko izvi pamwe chete, kubatanidza vakaroorana vanofanira kufunga kubvunza gweta uye kugadzirira zvinyorwa zvinotevera:

Zvechokwadi, pane zvimwe zvingaitwa iwe newawakaroorana naye zvingada kuigadzirira zvichienderana nemamiriro ako ega sekuchengetwa kwevana, inshuwarisi yehupenyu , uye kunyange vakagadziriswa vakagadziriswa pamabhengi ekurega mari. Kuti uwane mazano ekuti vanhu vakaroorana uye vasina kuroorana vanogona kubata sei zvinobudirira nemari yemari, tarisai