Chinoita Kuti Ive Ive Nayo Nzira Isingadi Kuita Nomumwe Munhu Nheyo Asingabvumirane
Ikoko kwaive neyekudya kwekudya kweguta. Masikati mupaki. Manheru emakonti. Wave uchifarira zuva rose, uye uri kushamisika kana izvi zvinogona kuitika kuva chimwe chakakomba.
Asi pane chimwe chinhu chakanyanya kufunganya - zuva rako idzva rinoratidzika kuva rine tsika dzisina kunaka dzemari .
Zvichida vanopedza zvakawanda. Zvichida vanotamba.
Zvichida vanozviisa mumakwikwi akadai, anokuvadza uyo unonzwa sokuti vangangobhejera.
Zvechokwadi, iwe unozvivimbisa iwe, unofanira kuroorwa nekuda kwerudo, kwete mari. Hazvisi udyire here kana kuti pfuma yekuramba munhu angashamwaridzana naye nekuda kwemararamiro avo emari ?
Ndiyo hurukuro yehurukuro yaunozvipa iwe nguva dzose iwe unonzwa kuti kusava nechokwadi kunokwira mukati. Asi zvisinei kuti unozvipa sei hurukuro imwe chete yemukati, izvo zvinonetseka zvinowedzera.
Chii chinopa? Pane humwe hutano hwemari-vatadzi mukati meukama here? Uye ndizvo zvakanaka here?
Ngationgororei nyaya ino nekudzika. Iwe uri nemari yakabatana here?
Nyaya Yokusarudza Nezvaunofunga-Vadikani ... Usati Wave Wakakomba
Kutanga, ngatitangei nemamwe mapuranga mashomanana.
Hatisi kutaura nezvekusika maitiro zvichienderana nemari yemunhu inogadzira - yakadai semari ye $ 25,000 vs. vs. $ 100,000. Isu hatisi kutaura nezvekugadzirisa mitemo yakatarwa nebhanji rekuenzanisa, ukuru hwepodfolio, kana yekodzero.
Tiri kukurukura miitiro iyo munhu anoratidza pamusoro pekurapa kwemari.
Vanopedza vasina hanya, vachiisa pfungwa dzavo pasi nepadhigiriti ravo rechikwereti chero ipi zvayo inofungidzira iyo inorwisa mafungiro avo?
Kana kuti ivo vakaipa here, vachiramba kushandisa mari pane kunyange zvinhu zvakakosha, uye vachibva kuresitorendi mabheji neine 10% chete yepi yevhavha?
Ivo vanozvirumbidza pamusoro pemari yavo , vachitaurira nharo dzehondo pamusoro pekuti vakapinda sei uye vakabuda mumusika kanomwe mumavhiki ekupedzisira? Kuti ivo vanogadzirisa zvese pane imwe "moto unopisa" vanoverenga paIndaneti kana kuona paTV?
Vanoshamiswa pamusoro pechirangariro chokuti "vachakurumidza" vari kugadzira kudzoka kwemajiti maviri, pakarepo sezvo iyi inotevera-pfuma-hurongwa hurongwa inosvika pakubudirira?
Kana kuti vanocherechedza kwauri pasina nguva iyo iwe unowanzoreva 401 (k) account yako ? Mushure mekunyarara kwakanyanyisa, vanokubvunza here chii pasi pano kushamisika kusanganiswa kwemashoko nenhamba kunorevei? Uye iwe paunotsanangura kuti iyo iyo reti rekurasikirwa, vanoseka here pfungwa yekuchengetedza kubhadhara pazera rako ?
Iwe Unofanirwa Kuziva Nhepfenyuro Kusabvumirana
Izvi zviratidzo zvakasimba zvekusanzwisisana kwepamwe - kwete kumativi emari, asi kunotarisana nenyika yako, maonero, uye maonero ezveramangwana.
Izvi hazvisi zvemari. Kurapa kwomumwe munhu kwemari chiratidzo. Asi nyika yavo-yakasiyana-nyika-iyo inetso-kana kuti, zvisingaenderani.
Kana uri muchengeti uye muchengeti anochengetedza-ku-kuenzanisa, kune mukana wakasimba wekuti nyika inoona uye zvinhu zvakakosha zvinosanganisira kuronga ramangwana , kunonoka kugutsikana, nekuita zvinonzwisisika, zvine musoro kufunga zvisarudzo zvichibva pane deta.
Hazvishamisi, mumamiriro ezvinhu akadaro, kuti ukama nemumwe munhu anenge asingafungi, anoita zvisarudzo zvisina kujeka uye zvepfungwa, anorarama panguva iyo ne zero achifunga nezveramangwana, uye kuti bhanhire rakanamatira rinowanzoita sei kusango kusango kunogona kunge kusinganzwisisi newe.
Zvechokwadi, izvo zviito zvehutano zvingasaratidzika nenzira iyo iwe vaviri iwe unoshandisa mari yako. Asi chinetso chakakosha hachisi mari yacho pachayo; ichokwadi kuti iwe unobata zviratidzo zvakasiyana, tsika, uye miitiro yekuti iwe unotarisira sei hupenyu hwako.
Kunyange zvazvo kushorwa kuchikwevera, uye kupikisa dzimwe nguva kunogona kupesana, vanhu vanopesana zvakanyanya vanogona kunge vane nguva yakaoma yekubatanidza hupenyu hwavo uye ramangwana pamwe chete sechimwe chikwata.
Zvinetso Zvinopesana Nezvemari Zvinogona Kuumba
Mune mamwe mazwi, hazvina kujeka kuona maitiro emari sehukama hutsvuku mutsara, nokuti nyaya yacho haisi yekodzero yemukati - ndiyo inonyanya kukoshesa.
Kana iwe ukaona mutsvuku mutsvuku, zviri nani kutarisana nechiratidzo ichi chenyevero pakutanga kweukama, isati yava nyaya huru muupenyu hwako.
Maererano nemushumo weCCBC, mari ndiyo inonyanya kukonzera kushungurudzika muhukama hwepanguva refu, ne35 muzana yevanhu vakapindura vachiti mari ndiyo inokonzera kukakavara mukati mehukama hwavo.
Nyaya yacho inowoneka yakaipisisa sezvo vakaroorana vachikura, ne 44 muzana yevakapindura pakati pemakore makumi mana nemasere vachitaura kuti mari ndiyo inonyanya kukonzera kukakavara mukati mehukama hwavo.
Kunyange zvazvo kuongororwa kwacho kusinganzwisisi kuti nei kukakavadzana kwezvemari kunonyanya kuziviswa mune zvezera iroro, iyi ndiyo imwe pfungwa: vakaroorana vanopfuura makumi mana vanodiwa kubata nematambudziko akawanda emari. Vakawanda vane chikwereti , vana, makoroji ekuchengetedza mari, kubhadhara mari, kubhadhara mari, uye pamwe zvimwe chikwereti.
Mugumisiro? Pane mukana wekuti kupesana kwezvemari kunogona kuratidzira kurwisana kwezvinhu zvakakosha. Chii chinonyanya kukosha: kubhadhara vaya vari kutasva mabhiza avo vana vanoda chaizvo, kana kuchengetedza dzidzo yekoroji?
Chimwe chikonzero chinokonzera kuti vanhu vane makore 44 kusvika ku 54 vanoratidze kukakavara kwakadaro? Zvinogona kuva kuti matanda akareba. Nheyo dzevanhu dzinowanzosimudza nekufamba kwenguva sezvavanokudziridza ruzivo rwemabasa nekuwana kukurudzirwa. Imwe nzira isingakoshi yemari inogona kunge isina kukwidza mhirizhonga kana ikangobata mari shomanana ingakonzera nharo kana inopindira mari yakawanda.
The Classic Saver / Spender Kusabatana uye Kuti Inobata Sei Ukama Hwako
Inenge hafu yevatsvakurudzo vakapindura - 47 muzana - vakataura kuti vakanga vari muukama hwakanga huine saver / spender kusawirirana, zvichireva kuti mumwe mudiwa aive mudzidzi apo imwe yaiva spender. Mune mamwe mazwi, inenge 1 mu2 michato inotaura kuti vane mari yakasiyana-siyana uye vanoponesa tsika.
Zvechokwadi, tsika dzakasiyana dzinogona kuva chikomborero. Iyo spender inogona kukurudzira muponesi kuti azorore uye anofara nguva. Saizvozvowo, muponesi anogona kukurudzira spender kufungisisa nezveramangwana, kugadzira zvirongwa zvakajeka, uye kurega kufunga kwenguva pfupi. Izvi zvinogona kuva noutano hwakanaka.
Asi kana mumwe munhu aine hanya zvakanyanya pamusoro pezvirongwa zvekurega basa, chikwereti chepamusoro, kana kuti mari yakachengetwa mubhuku ravo rekubhengi rebhangi, uye mumwe wacho anorega kushungurudzika uku uye anopfuurira kupedza zvakashata, uyu saver / spender tension anogona kubika muhukama hwakakomba hukama .
Kuvanza Kutenga Ndiyo Nyaya Yakakura Mukudanana
Izvozvo zvisingatauriki mune zvenyika zvinogona kuva chimwe chezvikonzero nei vamwe vakaroorana vachivanza mari yekutengesana kubva kune mumwe. Vanenge makumi maviri kubva muzana veongororo vakapindura vakati vakatenga kutenga $ 500 kana kupfuura - uye vakachengeta mutengo wakavanzwa kubva kune wavo.
Kana izvozvo zvisingakuvhunduki, izvi zvinotevera zvinogona kuitika: maererano negwaro reCCBC, 6 kubva muzana yevakapindura vakati vanochengeta "pakavanzika" kadhi rechikwereti kana bhizinesi iyo avo vakaroorana navo kana shamwari yavo vasingazivi.
Ichokwadi, imwe mharidzo yeCCBC inopa nhamba chaiyo kune iyi dheta: 7.2 mamiriyoni eAmerica, ane mamiriyoni 4.4 emamiriyoni uye vakadzi vane mamiriyoni 2,8, vanochengetedza sebhishopu yebhishopi kana kadhi rechikwereti avo vavakaroorana navo kana shamwari yavo vasingazivi nezvazvo.
Iyi data inoratidza chete vakaroorana vanogara mumhuri imwe chete uye vanozviona se "pamwe chete." Izvo hazvibatanidzi, semuenzaniso, vakaroorana avo vakaparadzana asi havana kurambidzwa zvachose-pa-pepa.
Mari Inopesana Inogona Kuguma Mukurambana
Kutaura nezvekurambana, mushumo iwoyo wakataura nezvekudzidza kwenguva refu kwema 4,500 mazano akarovedzwa neKansas State University iyo iyo vatsvakurudzi vakawana kuti "nharo pamusoro pemari ndiyo yaive yakakurumbira yekurambana."
Panguva iyi, kuongororwa kwevashandi vezvemari vanosvika mazana maviri avo vakanyanyogadzirisa mukushanda nemhosva dzekurambana vakawana kuti kukakavadzana kwakabatana nemari kwaive chimwe chezvikonzero zvitatu zvekurambana, pamwe nekusatendeseka uye kusagadzikana kwekutanga. (Uye sezvatakakurukura, "kusanzwisisana kwekutanga" uye kusagadzikana kwemari kungave kwakabatana.)
Zvichipa izvi zvisinganzwisisiki muupenyu hwevakaroorana vanopesana nezvemari kana kuvanza mari dzavo kubva kune mumwe, hazvishamisi kuti vanenge vanenge 3 mu4 vakapindura vanoti ivo zvino vanotenda kuti "zvakaenzana kana zvakakosha" kuwana mumwe wako ane nzira yakadaro yokutarisira mari uye kubhadharira mari.
Saka, Zvakanaka Kuva Nemari Yezvokubhadhara-Vaviri?
Izvi zvinotitungamirira kudzokera kumurangariro wepakutanga - zvakakosha here kusarudza kuti dzimwe tsika dzezvemari kana mafungiro ehukama hukama nevasikana-kunyanya, kunyanya kana iwe uri "kungoita zvekufambidzana" kana kuti mumatanho ekutanga ehukama?
Iwe ndiwe chete iwe unogona kupindura mubvunzo iwoyo iwe pachako. Asi kupa kuti kushungurudzika kwezvemari ndeimwe yezvinhu zvinotyisa zvekurambana uye kurwisana kwehukama, kune mazano akasimba mukuda kugadzirisa ukama hwehukama hwehukama hwevanhu.
Kunyange zvazvo hurukuro iyi yakanyanya kuisa pfungwa yekuchengetedza uye kushandisa mari yehupenyu hwezuva nezuva, iwe ungadawo kufunga nezvewe "deal-breaker" mararamiro ane chokuita nekutengesa michina.
Muenzaniso weZvesheni Usingawirirani Nokutsvaga
Chimbofungidzira, kwekanguva, mumwe wako ndiye mukana wekutsinhanisa mutengesi. Vanosarudza kuchengeta mari yavo yakareba kwenguva refu muzvisungo uye mari yeHaimari. Vanonzwa kufungidzika pamusoro peshoko rekutengeserana kwemashamba, uye-pasinei nezera ravo kana nguva-nguva yavo yekutsvaga chinangwa chinotarisana nehupfumi kuchengetedzwa panzvimbo pehupfumi huchiunganidza.
Zvadaro, fungidzira murimi anonzwisisa. Uyu munhu anonyanya kusununguka nekushaya simba, uyo anogamuchira huwandu hwekugoverwa kwezvikwereti, uyo anoda kusarudzwa kwakanaka kumari shoma shoma uye mamwe makirasi emassetsi , uye ndiani ane kukura-kutsvaga mari yekutsvaga. Havawanzozvitengesa mumwe munhu, asi kana paanoita, vanosimbisa chisarudzo chekuongorora zvakakosha uye vanobata icho chemakore kwemakore.
Uyu muongorori anononoka angave ane nguva yakaoma yekuwana mari yakabatana nemukana wekuparadzanisa naye - asi izvi zvakasiyana-siyana zvinotarisana nenyika hazvidi kuve mutengesi-mutengesi. Izvi zvinogona kuva nyaya yekare ye "kushorwa kunokwezva" nenzira ine utano.
Ava vaviri vanogona kugadzira zvirongwa zvemari pamwe chete. Mutengi anononoka aigona kukurudzira munhu anochengetedza kuti atore njodzi dzakanaka. Uye mutengesi anochengetedza anokwanisa kuchenesa shamwari yake kana imwe pfungwa kana utsvaga ichiita seine ngozi.
Uyu murume nomudzimai vangawana mukana mukuru. Vanogona kutowana kuti ivo vakasimba pamwe chete.
Asi zvakadini kana mutengi anonyatsochengetedza akatanga kushamwaridzana nomumwe munhu ane unyanzvi hwakaipisisa?
Fungidzira kuti mutengesi-mutengesi wevatengesi anotanga kufambidzana nomumwe munhu ane utsinye. Ngatitii mutengesi ane utsinye anoda 100% yekutengesa kuenzaniswa. Vanotsvaga mazano akaenzana pamusoro peasset allocation ; vanofunga kuti vanogona kuwana zvakawanda kuburikidza nehutano hwose uye havafungi kufambisa kwemasango ayo mahofisi avo angasangana nawo munzira.
Zvechokwadi, havatombosimbisi mari yekutengeserana kana kuenzanisa mari . Vanonakidzwa nehumwe sarudzo yekutsvaga. Vakatotanga kuchinjana-kutengesa manotsi ( ETNs ), vanotengesa mari uye zvigadzirwa zvemangwana , uye vanoda kuita mabheti makuru zvichienderana nekuongorora kwekwenyanzvi .
Iwe unofunga ukama huri pakati pemhando iyi yemudyari wechisimba uye mubhadhari anonyatsochengetedza angashanda here?
Zvichida kwete. Ukama hwavo hwaizoda huwandu hwakawanda hwekukanganisika nekushandira pamwe-uye kunyange zvakadaro, inogona kuparara pamusika unotevera.
Iyi ndiyo mamiriro apo "zvinopesana zvinokwezva" asi hazvigoni kubatanidza remangwana rakagoverana pamwechete. Zvichida, kwete remangwana rinosanganisira mari pamwe chete.
Ihwo hukama hwehutano hunofanira kuonekwa sei
Izvi zvinorevei? Ukama hwakanaka hunoda kuti vanhu vose vave nemafungiro akafanana, maonero, uye maitiro zvinotenderera kwete kungoshandisa kupedza vs. kuponesa, asiwo kuisa maitiro.
Izvozvo zvinoratidzika semutambo wakakura, handizvo here? Ndiri kureva, kutsvaga mukaroorana ane pfungwa imwechete pamusoro pesarudzo pamwe nekuisa mari? Unogona kushamisika kana izvi zvichibvira.
Asi usanetseka. Iwe newawakaroorana naye haufaniri kuona ziso neziso pazvinhu zvose. Ichokwadi, zviri nani kana iwe usingaiti.
Zvinonyanya kukosha ndechokuti maonero ako ose pamusoro pekuti iwe unotarisira sei mari yako "iri mukati" yeumwe neumwe.
Zvakanaka kana mumwe munhu ari shoma spender apo imwe inotenderera kune frugality. Zvakanaka kana mumwe munhu anopa zvishoma zvishomanana, asi imwe yacho inodziviswa.
Iwe haufaniri kunge wakafanana nemapatya emari. Chero bedzi imi mose mune chikamu chakafanana - chero bedzi iwe hausi kure zvakanyanya pamusana wengozi uye unopedza / uchengetedze mitambo - kune mukana wakasimba waunoshanda.
Ichokwadi, ukama hwako hunogona kutova hwakakosha nokuda kwayo.