Ungaziva sei kana wakagadzirira kuva mwene weimba
Hauna chokwadi here kana iwe usingakwanisi kuripa?
Usanetseke. Heino mhedziso.
Nhanho yekutanga munharaunda ndeyokutarisa ikozvino mari.
Iwe uri mune chikwereti here?
Iwe unobata chikwereti chipi nechipi chakakwirira, chakadai sekwereti rechikwereti chikwereti?
(Ne "chikwata chakanaka," ndiri kureva chikwereti nechikwereti chinodarika chinopfuura 8 muzana.)
Kana zvakadaro, iwe hauna kugadzirira kutenga imba zvakare. Funga nezvekubhadhara makadhi ako ekwereti usati watanga kutengesa imba.
Sei? Mari yako yekutengesa haisi iwe chete bhiri iwe waucharipa. Kana iwe uine imba, iwe uri mutoro wekubhadhara kuchengetedza nekugadzirisa mari.
Iwe unogonawo kunge uchida kurongedza nekupa imba yako, iyo ichawedzera kune yako mari. Iwe uchada kubhadharira kuongororwa nekuvhara mari, mamwe acho achabuda muhomwe.
Kunze kwekuti iwe uwane chikwereti cheVeteran's (VA), iwe uchada kubhadhara mari pane imwe imba zvakare.
Muchidimbu, kutenga imba kunodhura. Kana iwe uri mune chikwereti, hauna kodzero yekuita zvose izvi zvikwereti.
Funga nezvebhadha semutengo wemoyo murefu, kunyora munyori anonyatsotengesa Dave Ramsey. Tarisa pakukunda chikwereti chako chekwereti chikwereti usati wawedzera mamwe mari mune zveplate yako.
Iwe Une Emergency Savings Here?
Chikwereti-pasina? Makorokoto.
Heino mubvunzo unotevera: une chikwereti chekukurumidzira here?
Chengetedza mwedzi mitatu kusvika kumatanhatu yemari yako yekugara yezvokugara yakasarudzwa munhoroondo yekuchengetedza yausingaiti kana usina kutarisana nenjodzi yechokwadi (yakadai sekurasikirwa nebasa rako).
Haisi mari yaunoshandisa yezvipo zvezororo. Iko mari yaunopinda iyo apo motokari yako inopera muvhiki imwechete iyo chiremba chikuru chipatara chiripo.
Kana iwe usina chirongwa chekukurumidzira, iwe uri mumwe wepenki uri kubviswa kubva kune njodzi yemari yakazara.
Uri Kuchengetedza Kurasira Here?
Zvadaro, zvibvunze kana uri kukwana zvakakwana kuponesa kubhadhara.
Kana iwe uine chirongwa chekubvisa basa kumabasa, sa 401k , iwe unofanira kunge uchipa mari yakakwana kuitira kuti mushandi azere.
Kana iwe usina chirongwa chebasa rekushanda, shandisa IRA pamutambo wekutengeserana seVanguard uye ugove pamwe ne10 kusvika ku15 muzana yemari yako.
Iwe haufaniri kubhadharira mari yevashandi kuti uzarure IRA, ndicho chikonzero nei vanhu vakawanda vanozvishanda, uyewo vanhu vanobata mabasa vasina mabasa, vanosarudza kuzarura imwe.
Usati watenga imba, iva nechokwadi chokuti uri kuchengetedza zvishoma 10 muzana - kana kuti zvikamu gumi nezana zvezana - zvekurega basa.
Tarisa Budget Yako
Pakupedzisira, kana wapedza matanho aya, inguva yekuona bhajeti yako.
Iwe unokwanisa kutenga mari yekutenga imba (kana kutengeserana kubva kumusha wako uripo)?
Sokutonga kwechigunwe, imba yako-yakabhadhara mari (kusanganisira zvishandiso) inofanira kuuya kusvika kudarika 35 kubva muzana yemari yako yose , maererano naJean Chatzky weboka rezvikamu 5.
Mune mamwe mazwi, kana iwe ukawana $ 2,000 pamwedzi, mari yako-yakabatana mari inofanira kunge isingadariki $ 700. Kana iwe ukawana $ 4,000 pamwedzi, imba yako yekushandisa mari inofanirwa kuuya kusvika kudarika $ 1,400.
Yeuka kuti iwe haugoni kubhadhara mari yekubhadhara (kana rendi). Sezvo muridzi wemba, iwe uchabhadhara mari yakawanda sekugadzira, kugadzirisa, nekugadzirisa.
Iva nechokwadi chokuti une imba yakakwana yeigigle mubhajheji yako yeiyi. Nhamba yose yezvikwereti izvi zvine chokuita neimba inofanira kunge isingasviki mari ye $ 1 kubva pamadhora ega matatu aunowana.
Iwe uchada mari yako yese kune zvimwe zvekutenga, sekudya, pamwe nekuchengetedza.
Zvose zvaunoda kutenga - kusanganisira renji yako kana kutenga mari, zvishandiso, petrooline, zvokudya, motokari yemari, uye mari yemishonga yehushuwarisi - inofanira kuuya kusvika kudarika 50 kubva muzana yemari yako, maererano neEthizabeth Warren yemari 50-30-20.
Iyi hurongwa inoti zvakare unofanira kuchengetedza makumi maviri kubva muzana yemari yako. Ndinokurudzira kuisa zvishoma kubva kune 10 kusvika ku15 muzana mumabhengi ekurega mari, uye imwe 5 kusvika ku 10 muzana yekambani yekuchengetedza kusvikira iwe uine chikwereti chakakwana chekutsvaga.
Mushure maizvozvo, ivai vakasara 5 kusvika ku 10 kubva muzana muchikoro chekuchengetedza mari, mari yekugadzirisa imba, kugadzira mari yekutakura-matikiti, kana kuisa mari iri nyore, yakaderera mari yekodhi.