Ichi ndicho Chinyorwa chikuru kune 50/30/20 Budget
Ndinokumbira imwe sarudzo: iyo bhajeti 80/20. Sei? Zviri nyore kwazvo kupfuura bhajeti 50/30/20.
Heino maonero avanofananidza:
50/30/20 Ronga
Bhijeti 50/30/20 yakakurudzirwa naHarvard economist Elizabeth Warren nemwanasikana wake, Amelia Warren Tyagi.
Dhoo inoti unofanirwa kuisa bhajeti yako paunotora "pamba" mari yako - iwe unowana mari mushure mekuteresa, mitero yemishonga yemishuwarenzi yehutano nezvimwe zvinoshandiswa zvinotorwa mubhadharo rako.
Hafu yemari yako yekutora pamba inofanirwa kuenda kune zvinotarisirwa zvakadai seimba, magetsi, peteroli, zvekutengesa uye mari yemvura, vakadaro.
Imwe 30 kubva muzana inogona kuenda kune zvinhu zvisinganzwisisiki saitoro yekudya, kutenga foni itsva, kunwa doro kana kutora matikiti kumutambo wemitambo.
Pakupedzisira, 20 muzana inofanirwa kuenda kumari yekubhadhara kana kukwereta chikwereti.
Zvinhu zviviri zvine hanya ne 50/30/20 Budget
Iye zvino, ndinotenda iyi iri mazano akanaka. Asi kune zvinhu zviviri zvinondifungira.
Chokutanga, zvingava zvakaoma kuziva kuti chii chirikusha uye chinodikanwa.
- Indaneti yepamusha chinhu chinodiwa kana iwe uchiita bhizimisi kubva kumba, asi unoshaya kana iwe usingaiti.
- Nguo, kusvika kune imwe nzvimbo, inoda, asi mushure mokunge iyo, dzimwe nguvo dzinenge dzichida.
- Chingwa nemukaka zvinoda, asi ice cream inoshaiwa.
Iwe unotora kurei izvi? Iwe uri kuenda kune mutsara-chinhu chako bhizinesi rekudya zvekudya kuti uparadzanise Oreo cookies kubva mune sipinashi? Kwete kwete.
Uye izvo zvinoita kuti ndive nehanya neni yechipiri: vamwe vanhu havadi kuronga uye kuongorora mari yavo.
Kuti uzive mari yakawanda yawakapedza pane zvekutengesa, zvishandiso, makonti, uye iPads, unoda kutarisa mari yako.
Icho hachisi nguva dzose chibvumirano - vamwe vanhu vanonakidzwa nokutsvaga mari yavo mu Quicken kana kushandisa zvishandiso zveIndaneti seMint.com - asi vanhu vazhinji havana chido chekucherechedza mari yavo. "Kubhadhara" kunonzwika sezwi rinoshamisa.
Chirongwa cheA 80/20
Saka chii chinotsiva mari yekugadzirisa mari yandinofanira kukurudzira kuvanhu ivavo? Kumwe kushandiswa kwakanyanya: bhajeti 80/20.
Pasi pemabhadharo, iwe unoisa 20 muzana yekuita mari uye unopedza imwe 80 muzana pane zvimwe zvose.
Runako rwechirongwa ichi ndechokuti haufaniri kuita ZVINHU zvinodhura-kutevera. Iwe unongotora mari yako kubva kumusoro uye wobva wapedza zororo.
Kuti Iri Urongwa Runoshanda Sei Muhupenyu Hwechokwadi
Izvi zvaizoita sei muupenyu hwechokwadi? Ndinokurudzira kuti iwe ugadzire kuregera kwekutsvaga kubva kuongororo yako yekuongorora ku account yako yekuchengetedza. Iva nechokwadi chekuti kubvisa hunoitika zuva rose rebhadhiro (kana 1-2 mazuva mushure mebhadharo, kana iwe webhadha yako inonoka).
Nenzira iyi, mari inobata kero yako yekuongorora ndiyo yako yekushandisa. Mamwe ose emari akadzingwa muchengeti.
Zvechokwadi, kuchengeta mari munhoroondo imwechete yekuchengetedza iyo yakabatanidzwa neakaunti yako yekuongorora inogona kuedza. Zviri nyore kuendesa mari iyo zvakare muchikwata chako chekutarisa uye woipedza. Ndinokurudzira kubvisa mari yacho kubhengi yekuchengetedza iri kune rimwe bhangi rakasiyana.
Nenzira iyi, iwe hauzooni muyero kana iwe uchitopinda ku account yako. Kunze kwekuona, kunze kwepfungwa.
(Ndinonyanya kufarira SmartyPig, bhadha rekuInternet rinokubvumira kuti uite zvakasiyana "zvinangwa zvekuchengetedza" uye uendese mari yako mune imwe neimwe yezvinangwa izvi Unogona kuverenga zvose pamusoro peStartyPig pano.Ingo usangoedza muedzo wokushandisa mari kutenga zvikwereti zvemakadhi, iyo SmartyPig inoedza kukukurudzira iwe kuti uite. Ndiyo maitiro aStartyPig akaipa, maonero angu.)
Hazviiti zvose zvakachengetwa zvinofanira kupinda munyaya yemari yekuchengetedza. Iwe unogona kutarisa imwe yemari mubhuku rekweretheni, saVanguard kana Schwab, umo iwe wakagadzira nhoroondo yekuchengetedza mari yakadai seRoth IRA.
Zvechokwadi, kana iwe uri kuchengetedza pamatengo 80/20, ndinogona kukurudzira kuti huwandu hwemari yako yekuenda hunoenda kumushandirapamwe . Nyanzvi dzinokurudzira kuchengetedza pakati pe10 kusvika ku20 muzana yemari yako yekuenda kumusha, zvichienderana nezera raunotanga kuchengetedza.
Kana iwe ukatanga kuponesa 10 kubva muzana yemari yako yekuenda kumusha pazera remakore makumi maviri nemaviri, ita mari yekubatanidza yakakodzera yezvikwata uye zvisungo, kugadzirisa gore negore uye kubatana nekugadzirisa mitezo yenguva dzose, iwe unogona kubva kurega kuponesa 10 muzana chete yezana mari yako yekutora basa.
Kana iwe ukamirira kusvika makore makumi matatu kana apfuura, kunyange zvakadaro, iwe unogona kudiwa kuchengetedza 15 muzana kana kupfuura kuti uwane zvakakwana .
Usamira pa20 Peresenti
Chimwe chekupedzisira chinyorwa: Ndinokurudzira 80/20 sechinhu chiduku chaunofanira kuchengetedza. Nguva dzose iri pfungwa huru yekuchengetedza zvakawanda. Kana ukangosvika 80/20, iwe unogona here kuzvisimudzira kusvika kune 70/30 purogiramu yekuchengetedza? Zvakadini 60/40?
Yeuka: paunowedzera kuponesa, iwe unowedzera kuchinja uye mukana unenge uine. Iwe uchakwanisa kuvaka hurukuro yechipatara, kubvisa makore mashomanana apfuura, kutenga nzvimbo yekurenda, kutanga bhizinesi duku, kutora dambudziko rebasa kana kufarira mamwe mazororo.