Kudzorera Nheyo Yako ye "Mari Isingatarisirwi" Inogona Kukubatsira Iwe Kuronga
Ichokwadi. Asi chii, chaizvoizvo, mari isingatarisirwi?
Heino izvo zvisiri izvo:
Haisi Kudzokorora Bhiriro reMwaka
Nzvimbo yako yemutero mushumo, motokari yveshuwarisi mari, inshuwarisi yehupenyu yeruzhinji premium, kuongorora girasi reyeser uye imwe imwechete-yegore mari inoshandiswa haisatarisiri. Pane zvakasiyana, unogona kutarisira zvizere kubhadhara mari iyi gore negore kana semi-gore negore.
Budget yeizvi kuburikidza nekuisa padziri mari yakatarwa vhiki imwe neimwe kana mwedzi mumwe nomumwe. Kana zvikwereti zvako zvemari ari $ 5,200 pagore, somuenzaniso, sarudza $ 1,000 pavhiki. Kana magirasi enyu eyesheni uye lens replacement mari inosvika $ 300 gore negore, sarudzai $ 25 pamwedzi. Idzi haisi iyo mhando yemari iyo mari yako yekukurumidza inofanira kushandiswa.
Haisi Kugadzirira Zvimwe Zvimwe Kana Kugadzirisa
Denga rako rinodengenyeka here? Wakashambadzira yako here? Iwe unoda kubhadhara $ 1 000 yehutano inshuwarisi deductible?
Vanhu vazhinji vanogona kudana izvi zvisingatarisirwi mari. Asi vamwe vadzidzisi vezvemari vanobvumirana.
"Zvikwereti zvezvechiremba, motokari mari, uye mari yemusha hazvisi zvisingatarisirwi - kunyanya hazvifaniri kunge zviripo," anodaro Liz Weston, mumwe wezvemari mutsamba weWNN Money uye munyori webhuku rinonzi The 10 Commandments of Money. "Kana iwe uine muviri, motokari kana imba, nokukurumidza kana kuti gare gare ichakutengesa iwe."
Zvaanoreva ndezvokuti bhajeti yako inofanira kusanganisira kuongororwa kwekuti iwe uchashandisa mari yakawanda zvakadini semari, yemotokari uye nezvehutano.
Semuenzaniso, Imwe mitemo yakanaka yegumbo ndeyekuti 1 muzana yemari yeimba yako inofanira kuiswa gore negore yekugadzirisa pamba nekuchengetedza . Kana uchigara mumusha we $ 250,000, unofanira kuchengetedza $ 2 500 pagore kana $ 208 pamwedzi.
Iwe haungapedzi $ 2 500 gore negore. Kwemamwe makore iwe uchapedza $ 100 kana $ 200 pazvinhu zvekuchengetedza kwekutanga, kufanana nekuchenesa mabote .
Asi mamwe makore uchatora $ 7,000 panzvimbo yepamusoro pedenga reimba. Mutemo we1% wechigunwe unotarisirwa kuti uve wenguva yakareba yegore rose, uye iwe unogona kubhadharira maitiro aya emari nekuisa $ 208 pamwedzi mu "mari yekugadzirisa uye yekuchengetedza" mari.
Ndizvo zvazviri pamotokari uye mune zvehutano mari. Iwe unogona kusarudza kuisa $ 600 pagore, kana $ 50 pamwedzi, kuitira kugadzirisa motokari. Mamwe makore uchatora $ 0. Mamwe makore, iwe uchada kukanda mari inopfuura $ 4,000 kuti uende panzvimbo yekutumira. Budget gore negore kusvika "kunyange kunze" idzi dzinopinda .
Saizvozvowo, iwe uchada kuisa mari padzimwe mwedzi wega wega kuti uvhare zvigadziriswe, kubhadhara-chepa, mitemo uye zvimwe zvekunze kwechiremba mari. Mari yaunenge waisa parutivi inofanira kunge yakabatana nemari yakabviswa uye yakawanda yegore negore yekuti-ye-pocket mari yeurongwa hwehutano hwako.
Somuenzaniso, ngatiti chirongwa chako chehutano chine $ 1,200 inokwana gore negore uye $ 5,000 gore rega rega risati rapera. Kana iwe uine hutano uye usashanyi kuchiremba kazhinji, unogona kusarudza kuisa $ 100 pamwedzi, kana $ 1,200 pagore, kupinda muhutano yekuchengetedza utano. Kana iwe uchifunga kuti unogona kuwedzerwa kazhinji kacho vanachiremba vanoshanyira, unogona kusarudza kurega $ 416 pamwedzi, kana $ 5,000 gore negore (gore rose rinenge riri kunze kwepamusoro pehomwe).
Saka Chii Chaizvo Chisingatarisirwi?
Chikwereti chenyu chekukurumidzira chinofanira kushandiswa kune mari inowira kunze kwezvikwata zve "zvikwereti zvegore negore" semitero yeimba , optometry, uye motokari yveshuwarisi. Inofanirawo kushandiswa kubhadhara zvikwereti zvisiri kunze kwekutsvaga kwemusha uye gadziro yekugadzirisa uye kugadzirisa, uye zvikwereti zvinowanikwa mune zvehutano.
Zvechokwadi zvisingatarisirwi mari inokonzerwa nezviitiko zvakadai sekurasikirwa nebasa rako kana kutorwa neholo guru, kunze kwe----norm yehutano hunoenderana nehutano iyo inshuwarisi isingafukidzwi.
Dzorerai pfungwa yako ye "zvisingatarisirwi" mabhiriro kuti ugovere zviitiko izvi zvakare-mu-muupenyu-pane zvinowanzoita mabasa. Zvadaro gadzirisa bhajeti yako maererano.