Wagadzirira Kubuda Here?

by Miriam Caldwell

Kana wakadzokera shure mushure mokunge wapedza kudzidza kuchikoroji kana kuti iwe wakagara pamba uchiri kuenda kuchikoro, unogona kunge uchinetseka uye wakagadzirira kubuda uri woga. Zvinogona kuodza mwoyo kugara pamba nevabereki vako apo iwe hausisiri wechidiki. Zvisinei, kana iwe uchienda mberi usati uri mukana wekuzvitsigira pachako, unogona kuguma uchikuvadza chikwereti chako uye uzvigadzirire kuti ugare kumba zvakare. Zvibvunze mibvunzo iyi usati waenda kunze.

01 Ndingavhara Bhizimisi Zvangu Here?

Usati waenda kunze, unofanirwa kuve nechokwadi chokuti iwe unokwanisa kukwanisa uri woga. Unofanirwa kunyora pasi bhajeti yemwedzi wega wega kusanganisira mari yakawedzerwa yaunenge uchitora paunoenda. Usakanganwa kuisa zvinhu zvakadai sezvibatsiro zvako, kutakura mari, zvokudya, uye kukwereta. Vanhu vazhinji havaoni zvose zvavanoda kubhadharo iyo pavanotanga kuenda. Iwe unofanirwa kunge uine zvakasara mukuwedzera kune zvikwereti zvako zvekubhadhara iwe kuti uende iwe mukana kuti ubudise chikwereti uye kuvaka chikwata chekutsvaga. Kana wave uchigara uye uchishanda kumba, ungangodaro uri kushandisa chikamu chikuru chemari yako yezvivaraidzo nezvimwe zvinodarika zvawaimboziva. Edza kurarama pabhadharo yako kwemwedzi miviri inotevera usati wabuda kunze, uye kuisa mari yakawedzerwa mune mari yekukurumidza yebasa rako. Iyo ichakugadzirira iwe kuti uite shanduko iri nani zvakanyanya uye kukuzivisa iwe kana iwe usingagoni kukwanisa kuenda kana kuti kwete.

02 Ndine Chikwereti Chakawanda Ndine Chete?

Zvakakoshawo kufunga nezvekukwereta kwekwereti iwe ikozvino. Kana ukawana basa riri pedo neimba, uye iwe uri kufambidzana nevabereki vako, ungada kugara mumba kuitira kuti iwe unogona kubhadhara chikwereti chako nekukurumidza. Kuti izvi zvive sarudzo yakanaka , unofanirwa kuva nechirongwa chakakwana chekubhadhara chikwereti uye uite zvibairo kuitira kuti ruzhinji rwemari yako ruchienda zvakananga kune chikwereti chako. Unofanirwa kuva nechinangwa chekutamira kunze; inogona kunge iri kubhadhara kubva kune vakawanda kana kuti yese chikwereti chako. Iwe unofanirwawo kukurukura izvi izvi nevabereki vako usati wazvipira. Zvakakosha kuyeuka kuti uri kugara navo semubairo wekupa kwavo. Vabereki vazhinji vachada kuti iwe ugare iwe chero bedzi ivo vachiziva kuti uri kufambira mberi chaizvo pakubhadhara chikwereti chako. Iwe unogona kudikanwa kutaurira kufambira mberi kwako kwavari mwedzi woga woga.

03 Ndiine IE Emergency Fund here?

Usati waenda kunze unofanirwa kuva nechikwata chekukurumidzira chakachengetedzwa uye chinoraramira. Izvi hazvidi kuti zvive zvizere nemwedzi mitanhatu kusvika kumwedzi mwedzi inosangana nedambudziko kana iwe uchiri nechikwereti, uye hukama hwevabereki vako huri kuoma. Iwe unofanirwa kuva pakati pe $ 1 000 ne $ 2,000 yakaiswa panze kuti uone nezvekukurumidzira kwemari sekugadzirisa motokari. Iwe uchada kuchengetedza izvi musati wabuda kunze kweimba. Kana iwe uine basa rakanaka, unofanira kukwanisa kuichengetedza kunze kwerenda yako yekutanga uye yekupedzisira mumwedzi wokutanga kana maviri ekuwana basa rako.

04 Une Mari Yezvipo Zvako Here?

Paunenge uchienda kunze, unoda kuva nemari yakachengetedzwa yebhadharo yako yekutanga uye yekupedzisira, chero mari yekubhadhara uye yekubhadhara mari yaunogona kuva nayo. Uyezve, unofanirwa kuva nemari yakawedzerwa yekuisa mari kana kubhadhara mari yezvimwe zvivako zvakadai semagetsi, mvura, uye tambo. Iwe unogonawo kutora mutoro wemotokari yako yemotokari kwekutanga. Iwe unoda kuve nechokwadi kuti une mari yakakwana pamaoko kuti uvhare zvikwereti zvakare iwe usati waenda kunze. Kana zvisina kudaro, iwe unotanga kubuda pane zvakaipa. Iwe uchada kugadzirisa bhajeti inofambisa kuvhara mari yekubhadhara motori.

05 Iva nechokwadi Kuti Unowana Insuranceer Renter

Renter's inshuwarisi ichadzivirira pfuma yako kana iwe wakapambwa kana pane moto. Hazvisizvo zvisinganzwisisiki kupambwa uye kusayina kunogona kukupa rugare rwepfungwa uye kukubatsira iwe kugadzirisa zvinhu zvako kana zvichishaya. Kunyange zvazvo izvi zvingaita sokuti mari isingakoshi, inowanzosvibiswa uye inogona kukuchengetedza mari yakawanda kana iwe wakambotorwa. Iyo mitengo inobva pane yaunogara uye kuti unosarudza kuvhara sei.

06 Funga Nevakagara Navo Vako Zvakanaka

Vavakidzani ndivo nzira yakanakisisa yekudzivirira pairenda . Zvisinei, iwe unoda kusarudza mamiriro ako akagara zvakanaka. Shamwari dzinogona kukurumidza kuva vavengi mukuoma zvakaoma mamiriro ezvinhu. Uyezve, unofanirwa kuva nechokwadi chekuzvidzivirira pakuzvidzivirira kwehuzivi uye iva nechokwadi chokuti une ruzivo rwako pachako pane imwe nzvimbo isingagoni kuwanikwa kana kuwanikwa. Kana zvichikwanisika, shandisa zvipfeko zvakasiyana-siyana nehutano kuitira kuti iwe usabatwa nemhosva kana vako vanogara navo vachikwira pane kubhadhara kana zvimwe zvikwereti.

07 Rongedza Zvaunoshandisa pakugadzira Imba yako yekutanga

Paunotanga kubuda kunze, iwe ungaguma ugovera imba yako nekurukupiri-ruoko rwezvinhu zvaunowana kubva kumhuri kana maresitorendi. Iwe unogona kugadzira nzvimbo huru uye zvishoma nezvishoma uwedzere kuimba yako sezvo uchichengetedza mari kutenga zvitsva zvaunoda. Icho chinhu chaunofanira kuita nemari chete. Kuita chisarudzo chisina kunaka ikozvino kuchakubatsira iwe kuwana imba yakanaka munguva yemberi nokuti ichakubatsira iwe kudzivisa chikwereti. Tora nguva yekuvhima maitiro. Iwe unogona kushanda pakugadzirisa imba yaunoda nekunyatsoronga kuronga nekuchengetedza.

08 Chengetedza Chikwereti Chakwereti

Vechiduku vakawanda vanovhiringidza chikwereti chavo pavanotanga kuenda. Kudzorera kwekupedzisira uye kukundikana kubhadhara zvishandiso zvako panguva kana kuti kuvharwa kunogona kutora chikwereti chako. Iva nechokwadi chekuti iwe unobhadhara zvikwereti zvako panguva imwechete kuitira kuti apo iwe unoda kutenga imba, chikwereti chako chichakubatsira iwe kukwanisa kuwana chikwereti chakanaka. Miitiro yaunotanga paunotanga kubuda kunze ichakutevera sezvaunoenda muupenyu hwako hwose. Iva nechokwadi chekuti iwe uri nekutarisira uye ubhadhara zvikwereti zvako nenguva kubva pazuva rimwe, uye iwe unofanirwa kutarisira mari yako zvakanaka.