Kunyange zvakadaro, kana iri basa rako kurayira vanhu zuva-muna uye masikati-kunze kwekutarisira mari , zvinongoitika zvekuti iwe unokudziridza ruzivo rwekushandisa kune rako pachako mari.
Takabvunza vamwe vatungamiri vezvemari vemunyika yacho kuti vadzose zvikwereti pamararamiro avo pachavo-uye tine mazano ekushandisa maitiro aya maitiro muupenyu hwako.
Ramba Uchibatanidza Rwendo Rwako Rwapera
Idya miriwo yako, ita mamwe maitiro, ita bhajeti-pane chikonzero chatinonzwa mazano aya nguva dzose (uye kupfuura). Kungofanana nokudya zvakanaka uye kubva pamubhedha nekufamba, kubhadharira ndekuda-nokuti iwe haugone kuziva kuti unoda kuchinja kupi mumashandisirwo emari kana iwe usingazivi kuti izvo zvinoshandiswa mari ndezvipi. "Kana zvasvika panyaya yekugadzirisa mari, chimwe chinhu chandinoparidza ndechekuita-kusarudza nzira inoshanda kwauri uye yakanamatira nayo," anodaro Davon Barrett, muongorori wemari paFrancis Financial. Kurongeka kwake pachako kunosanganisira kutevera kwakanyatsonaka kwekushandisa kwake , izvo zvose zvinomubvumira kuderedza uye kuona maitiro pane kwenguva. Anoshandisa webusaiti yakasununguka / purogiramu Munhu wega wega kuti aenzanise mari yake, ndokubva atumira kune Excel pamagumo emwedzi mumwe nomumwe kuitira kuti aite kutamba-famba nekuwedzera zvinhu izvo zvakasiyana.
Barrett anotsanangura kuti akatanga kutarisa zvinhu zvakajeka paakachinja nzira yaakanyora mari. Akatanga kutaurira kudya zvikwereti se "kudya," ndokuzoona "kudya / kudya kwemasikati" uye "kudya / kudya" kwakashanda zvakanaka kwaari. Aiziva kudya kwemasikati kwaizova mari yakatarwa kwaari sezvo asingasviki, asi achitarisa kudya kwemasikati, akaona kubika zvakawanda kunogona kuderedza mari mune dzimwe nguva.
"Kana iri Chipotle kana Shake Shack, ini ndaive ndine usimbe," anodaro.
Nzira yekuita nayo: Kusiyana kwehuwandu hwemari yekushanda kune vanhu vakasiyana-kune mapurogiramu akaita seMint, Clarity Money uye zvakataurwa pamusoro peBu Capital (vose vakasununguka), pamwe nemabasa akaita saMoneyMinder ($ 9 pamwedzi kana $ 97 pagore) uye Unoda bhajeti ( $ 50 pagore mushure mekuedza kwemazuva makumi matatu nemasere). Chero chaunosarudza, kora kalendari yako kwezuva rimwe chete pamwedzi-somuenzaniso, weMugovera wechipiri-uye uzvitsaurire nguva imwe zuva iroro kutarisa pamusoro pezvaunotarisira uye kuronga kwemwedzi unotevera. Kana iwe wakabatikana, ziva kuti mushure mokunge wawana zororo rezvinhu, maminitsi gumi nemashanu angangodaro akakwana kutarisa pamusoro pemari yako yemwedzi, anodaro Barrett.
Ramba Wakakwana (asi Kwete Kunyanya Kuwanda) muAkaunti Yako Yokuchengetedza
Kunyangwe uine mari yekuchengetedza zvakakosha, kuva nezvakawanda zvingakukuvadza munguva refu. Chidzidzo cheNerdWallet chakawana 63 kubva muzana chemireniyoni akati vakachengetedza zvimwe zvekusarirwa kwavo kwekuchengetera mari mubhuku rekuchengetedza. Nyaya iyi: Kubhadhara mari yekodha yemari inowanikwa nguva dzose inosvika 0.01 kubva muzana, uye nhoroondo dzakabhadharwa dzinobhadhara zvinenge 1 muzana. Zvose izvi zvakanyanya kuderera kupfuura kupera, izvo zvinoreva kuti uri kurasikirwa nemari kwenguva refu.
Saka vanopa mazano vanoita sei kuenzanisa pakati pekuchengetedza zvakakwana pamaoko kuti uchinzwe wakachengeteka, asi kwete zvakanyanya kuti zvinodhonza pane ramangwana rako?
"Pandakazotanga [mumari yekugadzirira], ndakanga ndisina zvachose ndakaponeswa," anodaro Barrett. "Ndakanga ndisingakwanisi kubata zvakadai pamari yangu ... Ndakanga ndisinganzwisisi mitemo yechigunwe." Asi paakasika chirongwa chake chekutanga chezvemari kune mumwe mutengi, aiziva kuti aisazokwanisa kupa chimwe chinhu chaasina kuita iye pachake. Nokutarisa mari yake yemwedzi nepamwedzi nekufungisisa basa rake rakagadzikana, Barrett akagumisa kuti mwedzi mitatu yakange yakwana pfuma yake yekukurumidzira, kunyange zvazvo yakavaka yakanga isina nguva pfupi. Akazviita mumakore mashomanana apfuura nekuisa mazana mashoma madhora pamwedzi mumwe nomumwe. "Ndakatarisa izvi pamusoro pekutsvaga kwangu mari," akadaro. "Asi ndakanga ndichiri kutarisa chikamu chemari yangu yezvangu 401 (k) zvipo."
Nzira yekuita nayo: Kana uri nechinetso chekuponesa, mapurogiramu anogona kubatsira. Digit (iyo inodhura $ 2.99 pamwedzi) inotsanangura mari yako yekushandisa, saka zvigaro zvemasikisi zvinyararire zvichikuitira iwe kusvikira uine zvishoma. Qapital inokubvumira kugadzirisa zvinangwa zvekuchengetedzwa kwezvinhu zvinokurumidza (pakati pezvimwe zvinhu) uye zvinobatanidza maakaunti ako kuitira kuti apo iwe, uchiti, shandisa $ 5 pamakisi, iwe unotora muwandu wamunosarudza mukugadzirisa panguva imwe chete. Iwe unogonawo kugadzirisa zvinokonzerwa nekuchengetedza zvipfeko zvekuti kana iwe uchibhadhara, mazuva chaiwo evhiki kana zvimwe zvimwe zvinhu. Sezvo Barrett aita, iwe unoda kubhadhara mari nekodhi-yakafanana ne 401 (k) -kusimudzirana uye nekuzvidira, kuitira kuti urege kushaya mari iyoyo.
Shandisa Unemotionally: Tarisiro yeVakanakisisa, Gadzirira Zvakaipisisa
"Takaita izvi zvitatu-nemakumi emakore, ndinogona kukuudza zvikanganiso ... ndezvokuti mafungiro anowira munzira, uye vanhu vanobva kure nekugara varayira [mumusika]," anodaro Jeff Erdmann, mutungamiriri mukuru weMerrill Lynch. Anowedzera kuti anopa chikamu chimwe chete muzvitatu chemhuri yake yekutengeserana madhora mumari yekushambadzira uye mari yekuenzanisa. "Handioni izvozvo zvichichinja mune ramangwana risati raitika," anodaro.
Iye nemhuri yake vanotarisirawo kwemakore maviri kana maviri ekubhadharwa kwemari mune imwe mari yekukurumidzira kuti vaone kuti, kana zviitiko zvakakosha zvishoma, vanogona kushandisa iyo yakachengetwa mari yekutsigira mararamiro avo pane kutengesa zvinhu.
Nzira yekuita nayo: Dzimwe ruzivo pamusoro pezvingaita kuti uende nenzira yako zvinogona kukubatsira kuti urambe uchifunga. "Kana tikapinda mukugadzirisa kunzwisiswa nekuziva kusagadzikana kuchave kuripo, saka tiri munzvimbo yakanaka zvikuru kuti tisarega manzwiro edu atora," anodaro Erdmann. Tora nguva yekufungisisa nezvenguva dzemafisi dzinobatanidzwa nemari yako. Iva nechokwadi chokuti une zvakakwana mumidziyo yemvura kuitira kuti usafanirwa kutengesa mumusika wemari kuti uwane zvinangwa zvenguva pfupi sekubhadhara chikoro chekudzidzira chikoro chegore rinotevera. Nezvezvinhu zvausina kuronga zvekushandisa kwemakore mashanu kana kupfuura, kutengesa kamwe kana kaviri pagore. Uye gadzirisa nhamba yezviitiko zvaunotarisa pane yako portfolio, kunyanya kana imwe nhau yakaipa inowanzokukurudzira kuita chisarudzo.
Ramba Uine-Track ne Automated Maneuvers
Kunyange iyo pros inogadzirisa kuponesa uye kuisa mari yavo kuitira kuti ichengetedze pazvinangwa. Laila Pence, purezidhendi wePence Wealth Management muNewport Beach, California anoti anotora matanho maviri anokosha paakanga achiri muduku: Akashandisa maitiro ake ekuchengetedza mari (kubhadhara purogiramu yebasa raakapiwa), uye akagadzira mupiro wekutsvaga we 10% kubva kwaari kutora kumusha kune imwe nhoroondo yezvinangwa zvenguva pfupi. Izvi zvakamubatsira kuti achengetedze mari yake. Sei? Nokuti kana mari yacho yasimuka, haana kuiona. Uye izvozvo zvakamubatsira kuti achengete maoko ake. "Kunyange ikozvino, ndichiri kuita izvozvi nokuda kwezvinhu zvangu," anodaro.
Barrett anobvumirana, achicherechedza kuti kana iwe ukaona mubhadharo wako mushure mokunge zvipo izvi zvabviswa, "Iwe uchagadzirisa tsika dzako," anodaro.
Nzira yekuita nayo: Unofanirwa kuronga kurasa 15 kubva muzana yemari yako yezvinangwa zvako zvekugara kwenguva refu uye imwe 5 muzana kwenguva pfupi. Kana iwe wakanyoresa purogiramu yekubvisa pabasa, tarisa mukati uye ona kuti zvipi zvako zvakapetwa (pamwe nemadhora akafanana) zviri kukuendesa kune iyo mavara. Kana zvisingaiti, ita zvakafanana neRoth IRA, tsika dzechiRRA, SEP kana imwe hurongwa wawakagadzirira iwe pachako. (Hauna imwe chete? Kuzarura imwe inongova nyaya yekuzadza fomu kana maviri, wozoibhadhara nekutsvaga kwekutsvaga kubva pakuongororwa.) Kana iri 5%? Ndiyo mari yaunoda kuti uende kunze kwekutarisa uye kuchengetedza, saka ichange iripo apo iwe uchida iyo.
NaHayden Field