Apo mwanasikana wangu aive nemakore mashanu, takaita hurukuro yandisingambokanganwi. Takanga tiri mumotokari, tangobva kubuda muchitoro pandakanga ndisingakwanisi kumutengesa chido chaaida. Kunyanya zvakanyanya, ndakanga ndamuudza, "Hatina mari yaro."
Mhinduro yake? "Ingoenda kumashini uye uwane mamwe."
Iyi ndiyo nguva yokutanga ndakanga ndichifunga kana-kuburikidza nemaitiro angu - ndaidzidzisa vana vangu zvidzidzo zvisiri zvemari. Kutaura zvazviri, chimwe chinhu chavo vazhinji vane mhosva. "Vabereki ndivo vadzidzisi vanonyanya kukanganisa muupenyu hwevana vavo," anodaro Susan Beacham, munyori we "OMG: The Official Money Guide yeVadzidzi veChikoro." "Kana iwe uchinge wakashungurudzwa nemari, tarisa mugirazi. Icho chinogona kutanga pakutanga kwechizvaro. "
Heano mamwe mazano evabereki vane pfungwa uye zviito zvingave zviri kutumira mashoko asina kunaka pamusoro pemari kuvana vako.
01 Mistake: Kwete Kuenzanisa Maitiro Akanaka
Kugadzirisa: Zvose munzira, nzira yakanakisisa yekudzidzisa vana vako ndeyokuvaratidza zvinhu zvakanaka zvavanofanira kuita. Icho chiri kuratidza , Beacham inowedzera, kwete kuudza. "Kana iwe uchida kuti vana vako vaponeswe, usaparidza kuponesa," anodaro Beacham. "Vatore pamwe newe kuti uende kubhangi kuti uite mari ." Zvadaro tsanangura tsananguro-nhanho.
Saizvozvowo, funga nezvemashoko ane chikamu chezvikwereti zvisina kubhadhara pamakirani epikicha anotumira. "Tora iyo yekare-yakakodzera bhiri uiise pamberi pechikoro chako wepakati ... uchiti, 'Uyu akawana neni uye ikozvino korona iyi inoratidza kuti izvi zvinondipa mari yakawanda zvakadini nekuda kweizvozvo. Asi ini ndicharigadzirisa uye ndicharipa nhasi. '"
02 Mistake: Nguva dzose Uchirega Wawakaroorana Naye Abhadhara
Kugadzirisa: A U-kutendeuka. Palmer anoti iye zvino anoita kuti vana vake vamuone achibhadhara zvinhu. Asi anotaurawo kuti haisi kukwana chete kuzviita, unofanira kutaura navo kuburikidza naro. "Kana ndibhadhara mari yemvura, ndine mwanasikana wangu anogara pedyo neni," anodaro. "Mari yemvura inouya nechati chinoratidzika. Zviri nyore kwaari kuti anzwisise izvozvo. Iyo nzira iri nyore yokuratidza zvauri kuita nemari uye kuti uri kubhadhara sei zvinhu. "
03 Mistake: Kushandisa Plastiki Pasichaitsanangura
Kugadziriswa: Zvakawanda zvehupenyu hwedu hwehupfumi zvino hazvionekwi, pakuti zvinowanzoitika mune zvemagetsi uye pasina kuchinjwa kuoneka kwemari. Saka iwe unoda kufamba nevana vako kuburikidza nekutengeserana nenzira iyo zvizvarwa zvekare zvisati zvaitika.
Dzidzisai vana venyu mabhengi uye makadhi emakadhi anoshanda sei . Tsanangura kuti mari yaunoshandisa - yako yekubhadhara - inoshandiswa, pakarepo, muakaunti yako yebhangi. (Kubva vana vakwegura, unogona kujekesa kuti mitero inotorwa.) Cherechedza kuti mari ipi neipi yaunotora kubva kuATM kana kupedza uchishandisa kadi yako yebhadhiro inobva kune iyo mari. Uye uvaratidze kuti kutenga sei kadhi rechikwereti kunomuka semitsara yemutsetse pamwedzi wako wekubhadhara, iwe waunofanirwa kubhadhara kuitira kuti urege kufarira. Sezvo vana vako vari kunyanya kufambira mberi mune unyanzvi hwavo hwematunhu, varatidze kuti kufarira kunogona kuwedzera kaviri kana katatu mutengo wechinhu munguva shoma.
04 Mistake: Kwete Kutaura Pamari Mari Pamberi pevana Vako
Kugadzirisa: Ita kutaura pamusoro pemari zuva rega rega. Tanga vaduku, pavanenge vari mumotokari yekutengesa, nokuva nehurukuro yekunze-iwe pachako, kana zvichidikanwa - pamusoro pei nei maapulo ehupenyu ari anodhura kudarika izvo zvisati zviri zvemukati uye kana chigadzirwa chechivako che oatmeal chakakosha kupfuura zita rechiratidzo. Mhedziso ndeyokuvapa kuonekwa mukati mekufunga kwako. Sezvavanokura, vataurire kuburikidza nepfungwa yega shure kwekuponesa, kuisa mari, uye kupa kupa rudo , Beacham inoti. "Uye kana iwe uchizoti kwete, wedzera nokuti. Uye ngazvirege kuva 'nokuti ndakataura kudaro.' "
05 Mistake: Kurwisana Nemari Pamberi pevana Vako
Kugadzirisa: Bvumira vana vako kuti vakupupurire iwe nemumwe wako kuti vave nehurukuro yekukurukurirana pamusoro pemari yakakodzera yekushandisa pane chimwe chinhu - somuenzaniso, kudya kwemanheru, kana chigamba chitsva. Chirevo ndechokuti vanogona kukuona iwe uchizviisa pasi kana kuti usingawirirani apo uchiramba uine ukama hwakasimba, hune rudo. Kunyangwe iwe uri kuva nenguva yakaoma yemari, iwe haunzwi kudzivirira vana vako zvizere, unoti Marty Allenbaugh, CFP naT. Rowe Price. "Inguva yakanakisisa yekuvadzidzisa pamusoro pezvinoitika kuitira kuti usaisa tsika dzako dzakaipa kuvana vako."
06 The Mistake: Kuita Impulse Purchas on Regular Basis
Kugadziriswa: "Vana pavanosvika makore mashanu, vanogona kutanga kunzwisisa kutengeserana kusati vatenga," anodaro Allenbaugh. Saka ivai nenzwi pamusoro pekuti iwe uri kutarisa kunonoka kana kusakwanisa kutenga zvakananga. Kuita izvi kamwechete kwechinguva hazvina kukwana, anoti: Ndiyo mharidzo yaunofanira kuedza kudzokorora vhiki nevhiki.
07 Mistake: Kufukura Vana Vako Kana Vachiita Mari Kukanganisa
Kugadzirisa: Kutanga vaduku, ngavatendere ivo vanzwe mutengi (kunyange mutengi) kuchema. Apo pavanoshandisa mari yavo yekubhadhara kana mari yekuzvarwa kuti vatenge Snickers pavanenge vaine M & Ms, kana chikopa chinodhura chinoputsa, vapei tsitsi dzenyu. Asi usavatengesa imwe itsva. Itai kuti vashandise kana zvakakosha kuti vashandise mari yavo pachavo nguva inotevera.