Nhau yekuti munhu wemakore makumi maviri nemakumi manomwe anokwereta sei zvikwereti
Haana unyanzvi hupi hwekutengesa. Iyewo haatombogadziri mari yekuwana mari. Basa rake roga roga riri kuita pamapato. Lexi ane inzwi guru, uye ari kunonyorera nesangano retarenda kuti aimbe pamapati ekuberekwa, bar mitzvahs, nezvimwe zviitiko.
Pausiku hwaanoita, anowana mari yakanaka; iye dzimwe nguva anouya kumba kumba kwe $ 500 kana $ 600 mune imwe manheru. Asi iye zvino achaenda kwevhiki kana maviri asingabhadharazve gigs.
Mari Yevadzidzi veChikoro
Lexi inoda kubhadhara:
- Kanda paimba yake - $ 575, inosanganisira basa remvura nemarara
- Electricity bill - Inofanirwa
- Car Payment - $ 180 pamwedzi
- Zvokudya - Zvichida
- Gasoline - Inoshandiswa
- Car inshuwarisi - $ 450 mwedzi mitanhatu
- Mitsva yemitero - sezvo iye ari oga
- Discretionary mariko (kubuda neshamwari) - Inoshandiswa
- Zvokudya - Zvinoshandiswa
- Zvigaro zvekutengesa (sekutya kune Target, Walmart) - Inoshandiswa
- Wireless Internet - $ 40 pamwedzi
- Cellular Phone Plan - $ 80 pamwedzi
Nzira Yakanakisisa Yake Yokubhadharwa?
Nhanho Yokutanga: Kutanga, anofanira kuwedzera zvose zvayo "zvigadziriswa" zvikwereti. Kwemwedzi mitanhatu kana semannual yemari yakafanana nemotokari yemotokari, iyo inosvika mwedzi mitanhatu, inofanira kugovana zvizere kuitira kuti azive kuti chii chaanofanira kuita pamwedzi.
(Motokari yendege yake, somuenzaniso, iine $ 450 mwedzi mitanhatu, iyo inokwana $ 75 pamwedzi.)
Mari yake "yakarongeka" inowedzera madhora 950 pamwedzi, pamwe chete nechechina chemari yake yose, iyo yaanoda kuisa parutivi yekubhadhara mitero yokushanda .
Nhanho II: Zvadaro, tinoda kugovana zvikwereti "zvakasiyana" muzvikamu zviviri: zvinodiwa uye zvinonzwisisika .
Mishonga yake yakasiyana-siyana inosanganisira magetsi, zvokudya, gesi, mitero, zvigadzirwa zvepurasitiki, zvipfeko, uye kuenda neshamwari dzake.
Zvinhu zvinodiwa pakurongwa urwu zvinosanganisira magetsi, zvokudya, gesi, mitero, uye zvimwe (asi kwete zvose) chimbudzi. (Shampoo uye mazino emagetsi, somuenzaniso, zvidikanwi, asi bvudzi gel nemazino-kuchenesa micheka zvinonzwisisika.)
Zvinhu zvisinganzwisisiki pane izvozvi zvinosanganisira dzimwe dzimba, zvipfeko, uye kuenda neshamwari.
Danho rechitatu: Ongorora mari yezvaanoda zvinoshandiswa. Anokwanisa kuita izvi kuburikidza nokutarisa pamwedzi mishomanana yapfuura yemisiti (uye / kana chikwereti chekadhi chekwereti) kuti aone kuti yakawanda sei pazvinhu zvakabatanidzwa pane iyo rwandu.
Anonzwisisa Chimiro Chake. Zvino Chii?
Mumwedzi wose, sezvo Lexi ari kuwana mari, anofanira kutanga atora 25 muzana yemari imwe neimwe yemitero.
Imwe 75 muzana inofanira kuisa parutivi yemari yake "yakagadziriswa" ($ 950 pamwedzi) uye " zvinoshandiswa zvinoshandiswa " (zvakadai sekudya kwake kunofungidzirwa, gesi nemagetsi emari).
Chero mari yaanowana mushure mekubhadhara zvose zvezvikwereti zvinogona kuenda ku "discretionary zvinodiwa" zvakadai sekubuda neshamwari, kutenga mbatya uye kutora nguva yekuzorora kwegore.
Financial Prognosis
Lexi iri munzvimbo yakanaka kana ichienzaniswa nevadzidzi vakawanda vekukoloni.
Iyi yeGeorgia HOPE scholarship - iyo inopa pachena hurukuro uye mabhuku kune avo vari-vehurumende vanochengetedza mahara-grade grade-point kana kuti vari nani - inosanganisira zvose zvayo zvinoshandiswa kuchikoro. Lexi haafaniri kunetseka nezvekuponesa mari yekudzidzira, uye haazodi kutora chikwereti.
(IHIVE scholarship inosanganisira dzimba dzekugara kwevadzidzi venguva yakazara, asi Lexi akasarudza kutora chikoro kubva kuchikoro.Sezvo chikonzero, iye anofanira kubhadhara mari yake yepamusoro, zvishandiso uye zvimwe zvinodhura zvekugara.)
Sezvo ari pasi pemakumi maviri nemasere, anokwanisa kugara purogiramu ye inshuwarisi yemubereki wake, saka haafaniri kunetseka nezvekutenga inshuwarhu yehutano. Izvi zvinomusunungura kubva pakubhadhara premium yemwedzi pamwedzi.
Extra Credit
Munyika yakaisvonaka, Lexi aizotangawo kuisa zvimwe zvezvaanowana muRoth IRA, iyo iyo mari yekuchengetedza mari iyo inowanzofanirwa nevechidiki uye vanotambira mari shoma.
Izvi ndezvokuti zvipo zveRoth IRA, zvakasiyana nedzimwe tsika dzeIRA , dzinotarirwa mberi pane kubhadhara.
Mari yeLexi panguva ino muhupenyu hwake inomuchengetedza mubhaketi shoma. Nokuisa mari muRoth IRA, Lexi angashandisa mari yake yemazuva mashoma ebhadharo nekubhadhara mitero pamari iye zvino. Haazombobhadhari mari kune zvikamu uye zvikwereti zvinowanikwa mari yake mukati meIRA, kunyange kunyange paanenge achidzorera pabasa. Mari yaanogona kuwana kubva kumipiro yeRoth IRA pazera remakore makumi maviri ichave yakakura; kuti mari ichave nemakore makumi mashanu ekuwedzera pfuma yayo .