Kana usingaiti mari yakakwana yekutsigira mararamiro ako, unogona kuita musiyano uchishandisa yako makadhi emakadhi. Asi, iwe unongokwanisa kuita izvi kwenguva yakareba vasati vatora mari yako yose iripo . Hazvitore nguva yakareba kuti uwedzere mari yako yose yemakadhi, kunyange avo vane mirefu yakakwirira.
Kwenguva yakati, unogona kukwanisa kuwedzera kubhadhara mari yako nekutsvaga imwe kadhi rechikwereti, asi pakupedzisira, kadhi rechikwereti rinotanga kukanganisa kadhi rako rechikwereti rechikwereti nekuda kwezvikwereti zvako zvekadhi rechikwereti.
Zvinosuruvarisa, kana iwe zvakare wakaputsika uye makadhi emakwereti ave achikuchengetedza iwe kwemwedzi yakati yapfuura, nhamo haina kutanga kurondedzera mamiriro ako. Heano dzimwe nzira dzekutora mari yako kumashure.
Usaedza Kuwana Chikwereti Chekuwedzera
Chimwe chikwereti chikuru chechikwereti chinogona kukupa kukurumidza kwenguva refu, iyo kana kadhi yako yekubhadhara chikwereti ichibvuma chikumbiro chako, asi kwenguva pfupi ndiro izwi guru. Iwe uri kungozvitenga pachedu nguva shomanana usati watarisana nekwereta chawakanyura. Uye kana iwe ukakanda chikwereti chikuru pane izvozvo, zvinongowedzera kuwedzera. Yenguva yekurega kushandisa makadhi ako ekwereti uye ona imwe nzira yakasimba yekupona - iyo isingasanganisi kudarika chikwereti chikuru.
Usaisa Chimwe Chimwe Chikwereti Car
Mikana ndeyekuti iwe ungangodaro wakaramba kune imwe kadhi rechikwereti zvakadaro. Asi kunze kwekuti kune munhu ane chikwereti kunze uko uyo anoda kukupa chikwereti chakawedzerwa - zvichida pamusorosoro wekurwisana-usatombovhura mamwe makadhi emakadhi.
Makadhi ako emazuva ano atova kunze, uye iwe waputsa. Imwe kadhi rechikwereti, imwe kubhadhara kadhi rechikwereti, ichaita kuti zvive zvakaoma kutenga mari yako yose yemwedzi nemwedzi.
Usakwereta Mari Kubva Mamwe Mamiriro Ezviri
Izvo zvinosanganisira kubhadhara chikwereti chezvikwereti, chikwereti chezvikwereti, zvikwereti zvemari, uye 401 (k) zvikwereti. Kukwereta mari yakawanda kukurumidza kugadzirisa mamiriro ako ezvinhu kana iwe unogona kuidana kuti kugadzirisa.
Kukwereta kana uine chikwereti uye kuputsa kunoita kuti mamiriro acho ezvinhu awedzere. Kana ukakwereta, iwe unotofanira kubhadhara zvakare. Dzivisa chido chokukwereta mari kuti urambe uripo iye zvino. Pane kudaro, zvikumanikidze kuti murarame pane zvamunowana, muchiita chero zvibayiro zvakakosha kuti muwane mari yenyu.
Gara Nhasi Pamitero Yako
Kunyange kana izvozvo zvinoreva kubhadhara chete zvishoma. Kana ukadzokera kumashure pamari yako, kunyange nemwedzi mumwe chete, zvinogona kuva mwedzi kana makore usati wabata zvakare. Chimwe chikwereti chisina kubhadhara chinogona kuchinja kuva zviviri, zvino zvitatu uye mumwedzi mishomanana chete, nhoroondo dzako dzichaderedzwa-pamwe uye muzvikamu. Zvichakadaro, chikwereti chako chichave chakatambura kukuvadza kukuru kunogona kutora nguva yakareba kwazvo kugadzirisa . Zvinogona kutora basa rakaoma uye kuzvipira, asi kuramba uchiripo pamitero yako kunokosha kuti urambe uchifamba.
Itai Budget
Zvichipa kuti makadhi ako ose emakadhi anokonzerwa kunze, pane mukana wakaisvonaka iwe usina kurarama maererano nebhajheji. Iye zvino ndiyo nguva yakakwana yekusika imwe. Ndiyo chete nzira iyo iwe unogona kudzokera nayo pataiti. Hazvifaniri kunge zvakaoma. Ingoita rondedzero yemari yako yaunoshandisa pamwedzi, woenzanidza muwandu hwemari yako yemwedzi uye ona kana iwe une mari yakawanda inouya kuzofukidza zvose zvinodiwa.
Zviri nani pane zvakaitika, yako mari inowira pasi pemari yako uye iwe unenge uine mari yakasara kuti utarisire zviyero zvekadhi rako rechikwereti. Zvisinei, kune mukanano wakanaka wezvakasiyana ndezvechokwadi, uye iwe unofanira kutora matanho ekuwedzera kuti urarame mukati mezvinhu zvako . Edza kutevera kushandisa mari yako kana uri nechinetso uchibatanidza kubhadharo yako.
Chengeta Zvimwe Zvokudhonza
Chokwadi chakashata ndechokuti iwe haugone kuwana mari yakawanda ikozvino. Iwe uri mune chikwereti uye hauna mari yakawedzerwa. Kuderedza mari yako kuchakubatsira chete. Kana ukachera mari yakawanda, iwe uchava nenguva yakajeka kurarama pamari yako, iwe (une tariro) haufaniri kuvimba nechikwereti, iwe unogona kuisa mari yakawanda kune chikwereti chako, uye unogona kukwanisa kuisa mari kuchengetedza. Kana iwe uri kushamisika kuti unogona kudonha, funga faira, internet, gym membership (chero nguva iwe usingazoiti kugadziriswa kwemitambo), sataneti redhiyo kana mamwe maredhiyo epainternet, kubhadhara magazini, kusafanira zvisina kufanira, kuchengetedza imba, kana kudhura tsika.
Iwe unogonawo kuderedza magetsi yako uye kushandiswa kwemvura, uye kuderedza zvakare pakudya kunze nekutengesa kuderedza mari yako.
Edza Kuwedzera Mari Yako
Kuwedzera kwemwedzi mari inobatsira zvikuru, zvichiita kuti zvive nyore kutenga mari yako asiwo mukukubatsira kuderedza mari yako. Edza kuunza mari yakawanda nekushanda nguva yakawanda, kuwana basa rekushanda kwenguva, kugovera mamwe mazano kune rumwe rutivi, kuita mari kubva pane zvinokuvaraidza, kuva nekutengesa yadhi, kana kutengesa zvimwe zvinhu pa eBay kana Craiglist. Ngwarira kuti usashandisa mari yakawedzerwa sechikonzero chokuramba uchitora frivolously. Kana uchizoshanda zvakaoma kuti uwane mari yakawanda, iise kune chimwe chinhu chichazobhadhara munguva refu.
Chengeta Zvimwe Zvimwe Kana Unogona
Kuti uderedze zvikwereti zvako zvekadhi rechikwereti , unofanira kutumira zvinopfuura zvishoma kubhadhara. Kana mari yakaoma, izvi hazvingaiti nguva dzose. Asi, kazhinji kana iwe ukawana mukana, isa mari yakawedzerwa kune imwe yemakadhi ako ekwereti kusvikira wabhadhara chikamu. Kana iwe wakabhadhara iyo kadhi rechikwereti, ita zvakafanana kune imwe uye imwe kusvikira zvikwereti zvako zvekadhi rechikwereti zvabhadharwa.