"Funga zvakasiyana." Icho chaiva chimwe chezvinyorwa zvekutanga zveApple, asi zvinoshandawo munzira iyo vanhu vanobudirira vanobata mari yavo. Kubva pamberi peMatombo Aripo, ubongo hwedu hwave hwakananga nekufungisisa kwenguva pfupi nekugutsikana kwekukurumidza, uye izvo zvido zvinogona kuva zvakaoma kuzunungusa. Asi kurovedza uropi hwako kufunga nezvemangwana, sarudza pane zvaunoisa pakutanga, uye chengetedza nguva dzose nemari yako inogona kuchinja zvinhu.
Takabvunza vadzidzisi vezvemari munyika yose izvo vashandi vavo vakabudirira, vanobudirira zvikuru vakafanana - uye izvo isu tose tinogona kudzidza kubva kwavari.
Iva nemhiko.
Chidzidzo: "Vamwe vatengi vanotitarisa isu sekuenda kunechiremba wemazino-chimwe chinhu chavanofanira kuita, panzvimbo yekuda kuita," anodaro Davon Barrett, muongorori paFrancis Financial. Asi ivo vanobudirira zvikuru vanouya nenguva, kugadzirira mibvunzo mberi, uye kunyange kusvika pakati pemisangano pamusoro pekuti kuchinja kana kuduku muhupenyu hwavo kunogona kukanganisa hurongwa hwemari . "Ivo ndivo vatengi isu hatifaniri kutenderera," anodaro Barrett.
Vakawanda vevashandi vake vakabudirira uye vanobudirira zvikuru uye vanonyatsoongorora bhajeti, kupinda mumabhuku avo emari zuva roga roga nekugadzirisa zvakare mari yekuita kuti vave nechokwadi chokuti vane nzvimbo yakakwana yeimba inzvimbo dzakasiyana. "Pasinei nokuwanda kwezvavanoita, vanoda kuona kuti mari yose iri kuenda uye chii chavari kuenda."
Ita izvi: Isa chiyeuchidzo chezuva rega rega kuti uone maakaunti ako uye ona kuti chii. Tumira zvinyorwa pamabhanki ako / chikwereti nemakadhi ekukwereta kwekodhi zvezvinhu zvakadai semarikero shoma, kutengeserana kukuru kwemazuva ano, zviyeuchidzo zvezuva rinofanira kubhadhara, uye zviyero zvekuverenga zvezuva nezuva. Uye ita zuva roga roga iwe pachako (uye wako wako kana shamwari yako, kana iwe uine imwe) kutarisa mifananidzo yako yemari.
Shandisa nguva yekufunga pamusoro pokuti mari yako iripi ikozvino, uye iwe unoda kuchinja mune ramangwana.
Bvunza kana iwe usingazivi.
Chidzidzo: "Kana iwe uri kurwara nechimwe chinhu iwe usingaanzwisisi, iwe unofanira kubvunza chiremba," anodaro Chris Chen, chirongwa chepfuma kuMassachusetts-based Insights Financial Strategists. Mhedziso imwechete inoshanda kumari yako. Uye kana iwe uine hanya nezvokuuya semari itsva newbie - "Zvakasiyana," anodaro Barrett. Iye nevamwe vatungamiri vatakambotaura navo vakati vashandi vavo vane ruzivo rwakanyanya uye vane mari vanowanzobvunza mibvunzo yakawanda.
Ita izvi: Kana iwe usinganzwisisi nguva yezvemari, kuti chimwe chinhu chinoshanda sei, kana zvimwe zvepurogiramu yako yezvemari, usanonoka kubvunza. Uye kana zvisati zvava pachena kwauri, bvunza zvakare kusvikira zvajekeswa. Uye kana mhinduro yako yezvemari ye (kana kuti yezvemari yemumiririri) mhinduro haisi kuidzikisa, tsvaga imwe inoda kujekesa chinhu chikuru uye kutaura mutauro wako.
Shandisa zvinokosha zvako.
Chidzidzo: "Iwe haugoni kuva nazvo zvose" inzira yekushaya tariro yekutarisa zvinhu. The optimists? "Iwe unogona kuita zvaunonyanya kukoshesa." Ndiko vanhu vazhinji vanobudirira vanotarisa mari yavo, uye ndicho chikuru chikonzero nei pfuma yavo yakakura - pane kuderera - kupfuura nguva.
"Havana kutenga imba huru kana inodhura, havana kutenga motokari huru kana inodhura, uye havana kutenga rwendo rukuru kana rukuru," anodaro Bill Losey, mutungamiri weBill Losey Retirement Solutions, LLC. "[Asi] ivo havasi kuzvidzivirira pachavo." Chen anobvumirana. Anoyeuka mumwe mutengi uyo aimbova ne $ 50,000 Mercedes, asi akazvitengesa apo akaona kuti aikoshesa zvimwe zvinhu kupfuura magetsi. Akashandura kune $ 25,000 Toyota Camry, uye akashandisa mari yakawedzera kuti atarise pazvinhu zvaaitarisira zvakawanda pamusoro.
Ita izvi: Kana uchizoshandisa mari shoma pane iwe uye uchigara uchiisa mari kune imwe nguva yemberi, zvakakosha kuti uone zvaunotanga kuita. Saka ita urongwa hwezvaunokoshesa zvikuru - ita zvose zvaunogona kuti uchengetedze rutivi shoma! - uye zvibvumire imwe nzvimbo yekanyoro munzvimbo idzodzo.
Kubhadhara, kuvhara makona pane zvikamu zvisingarevi zvakawanda kwauri. Kana iwe usina chokwadi chaunofunga, tanga kuvhara mari yako. Vhiki imwe mushure mokuita imwe neimwe kutenga, dzoka zvakare uye nyora kuti unonzwa sei pamusoro payo, uye dzokorora mushure mekunge mwedzi wapera. Maitiro acho anotanga kujekesa.
Tariro yezvakanakisisa, uye gadzirira zvakanyanya.
Chidzidzo: Kubvira kare nekupfuura kwenguva yakareba, misika yakadzoka inenge 7 muzana gore negore pamusoro pekutsvaga mari. Pamberi yaBarrett, inowanzoita gore rezana rekuwedzera gore rose. Asi anoti ivo vanobudirira zvikuru vanoda vanoda kuona mamiriro ezvinhu akaipisisa - segore re1% rekukura, kana kunyange kuparara kwemusika. "Vanoziva zvinhu zvinogona kuchinja mune rechipiri," anodaro. Zvinonzwika zvinotyisa, asi kuziva zvose zvinogoneka - nekugadzirisa mamiriro ezvinhu akaipisisa ausingazooni - anogona kutungamirira kune manzwiro ekusununguka kwemari. "Iwe unofunga kuchengetedza maitiro aya uye maonero akaoma angaita kuti unetseke, asi nguva dzakawanda zvinopesana," anodaro Barrett. "Ichokwadi chinogona kukupa rugare rwepfungwa."
Ita izvi: Tevedzera kutungamira kwaBarrett uye kumhanya kutora mari yekutora mari uchifunga nezvekutengesera kwemazvitoro uye kutora chikwereti chako nacho. Ungakwanisa here kuita kuti zvibate purogiramu yako yekuchengetedza ikozvino?
Asi zvakare funga nezvimwe zvinotyisa izvo-kana. The biggie: Ko kana chimwe chinhu chakaitika kune wekutanga anotora mumba mako? Iwe unayo inshuwarisi yehupenyu yakakwana yekuendesa vana vako kukoroji, ramba uchibhadhara chikwereti, uye uzadzise zvimwe zvinangwa zveupenyu? Kana zvisingaiti, icho chikamu chekuchengetedza kwako chikwereti chinoda revamp.
Ita kuti chirango chiite.
Chidzidzo: Chimwe chimiro chekubudirira uye kupfuma? Kuranga nekutevera-kuburikidza-mumabasa avo, hupenyu hwehupenyu, uye mari. Apo zvinosvika kune iyo yekupedzisira, chirango chinonyanya kuitika munguva dzekutengeserana kusingagumi. "Kana vangosimbisa urongwa, vanoomerera nepurogiramu-kunyange kana zvinhu zvisingaiti zvakanaka pane imwe nguva," anodaro Shomari Hearn, mutungamiri wecherezidhendi uye mutori wenhepfenyuro anonzi Atlanta-based Palisades Hudson Financial Group.
Kuratidzira A ndiyo 2008-2009 yematambudziko ezvemari: Vatengi vakabudirira zvikuru vakanyatsogadzirisa zvirongwa zvavo zvepakutanga uye vakachengetedza zvinhu zvakafanana. Nenzira iyo, ivo vakakwanisa kutora chikamu mumusika kuti vawanezve makore mashomanana pasi pemutsara. "Zvikwata zvavo zvadzo zvakadzokera kune zvavakanga vari mumatunhu akakwirira uye kubvira pakupfuura izvozvo," anodaro Hearn. "Munguva iyi, avo vasina chirango ichocho kuti varambe pamwe nesarudzo - kakawanda kupfuura kwete, vakaramba vachigara pamagetsi sezvo vakaona misika ichidzoka."
Ita izvi: Ita chirongwa chaicho chemari , kana iwe usinganzwi wakanyatsogadzikana, kurukura naye nemudzidzisi wezvemari. Kana iwe usina mupi wezano, iwe unogona kushanda pamwe chete nechechienderana neurongwa hwako hwekurega basa (dzimwe nguva dzinowanikwa pasina rubatsiro) kana mubhadhari-chete mupi wezvemari anokonzerwa neawa (GarrettPlanningNetwork.com yakanaka).
Ipapo ita zvose zvaunogona kuti usateerere mari yako. Ndizvo chaizvo: Rega kutarisa kushambadzira kwezuva nezuva kwepoteforeti yako, pane kutarisa mukati mechina, kana kupfuura. Iwe uchafara uchiita.
NaHayden Field