Unhu hwaRachel Green kubva muzviratidzo zvekuti "Shamwari" yaifara kuti awane mari yake yokutanga, asi mafungiro ake akachinja zvikuru paakaona chikwata chake chebhadha.
"Ndiani FICA uye nei ari kuwana mari yangu yese?" iye akabvunza.
Kufanana nevanhu vakawanda mumakore avo makumi maviri, vakadzidza chidzidzo chakakosha pamusoro pekubviswa nemitero (munyaya iyi, pamusoro peGermany Insurance Contributions Act, iyo inobhadhara Social Security neMedare).
Kudzidza musiyano pakati pemari ye "purogiramu" ne "net" yekubhadhara kwenguva yekutanga inogona kunge iri kukumhanya kukuru kune vekoroji pfupi yapfuura.
Kunze kwekuita sekumuka-mhanya kune zvinoitika pamitero uye nezvimwe zvinorega, mubhadharo wako wokutanga unoratidzawo kutanga kwehutano hwemari, uye zvaunoita nemutengo wekutanga wekubhadhara zvinogona kuisa toni yemari yako pachako. Hezvino izvo zvaunofanira kuita kana zvasvika.
Ita shanduro yekutsinhanisa zvakakwana uye kubhengi bhadha. Zvakanaka iwe haungatombovi nechoko chekunyama kuti uise musi webhadhiro, sezvo vashandi vakawanda vanogona kukwanisa kutora cheki yako pakarepo kuiswa muongororo yako yekuongorora. Saka kuti uzive kana mari iripo kwauri, funga kukanda purogiramu yako yezvemari uye kusayina zvemashoko emagwaro. Nhepfenyuro yako yekubhadhara inogona kunge iri mwedzi-mwedzi (kaviri pamwedzi) kana bi-vhiki imwe neimwe (vhiki mbiri dzose).
Budget iyo. Chero chiitiko chipi zvacho, zvakakosha kuve nechokwadi kuti hauna mwedzi wakawanda kupfuura mari.
Kukwereta uye zvikwereti zvevadzidzi zvingave zvakakodzera pakutanga kwemwedzi, saka tora mari yako yose yemwedzi. Zvirongwa zvakadai seMint, YNAB, Goodmoney, Mvelopes uye EveryDollar zvinogona kubatsira nemari inoyerera kutarisira aka bhadha.
Kutanga, iwe unofanirwa kuronga mari yako muzvikamu zvakasiyana. Tanga nemari inokosha, iyo inosanganisira chikwereti, zvikwereti zvevadzidzi, foni, zvishandiso, kubhadhara motokari, motokari yveshuga, zvokudya, nezvimwewo.
Zvadaro, sanganisira zvinotengeswa zvinoshandiswa. Mimwe mienzaniso ingadai iri kuvaraidzwa, kudya, zvipfeko, kutarisirwa kwemunhu mumwe nomumwe, kana mushure mekunge mune kunzwisisa kwemari yako yemwedzi nemari, iwe unogona kutarisira mari yako uye kuronga ramangwana. Zvakakosha kuva nenguva shomanana yekuchengetedza-mari uye kuvaka chirongwa chekutsvaga kwemazuva mazhinji-kurega basa.
Mazuva Anonaya neMuvhuro. Gadzirirai zvinhu zvinokurumidza kana mikana, yakadai sekugadzira motokari kana kufamba mari dzinosanganisira kuenda kuchikwata chemudzidzi wekoroji. Kuva nechikwata chekubatsira kana iwe uchida kubhadhara foni yako yefaira uye unofanira kubhadhara rendi yako, asi uchiri nemari yekubhadhara chikwereti kana kuti mari. Nyanzvi dzakawanda dzinokurudzira matavi ekupedzisira kuchengetedza mwedzi mitatu yemari yemari.
Haugoni kutenga swag iyo, kana iwe usina mari. Danho rokutanga ndotarisa kubhadharo yekubhadhara kuti unzwisise zvose zvakabviswa. Uyewo, usakanganwa kuisa mapeamisi ehutano hwehutano. Kana uchinzwisisa musiyano pakati pe "chikwata" uye "mumambure", unogona kusarudza mari yakawanda yaunenge uine yezvikwereti zvako zvemwedzi.
Ponesa ramangwana rako. Kana wako waunoshandira akapa 401 (k) hurongwa , nyora. A 401 (k) inoratidzirwa yehuwandu hwekugovana-kugoverana urongwa hunobvumira vashandi kupa chikamu chemubhadharo wavo kumunhu mumwe oga.
Chinangwa cherongwa urwu ndechekuisa pamari mari yekurega basa. Kunyange zvazvo vakawanda vachiona basa rekurega basa semuenzaniso kune vabereki vavo kana vanasekuru, zvakakosha kutanga kutanga kuponesa. Sezvo mari yehupenyu inomuka, ndizvo zvichaita mari yekurega basa. Iko 401 (k) hurongwa huchabatsira kuchengetedza mari mumitero nhasi, kuunganidza pfuma yehupenyu hwako remangwana uye kushandisa nguva yekukosha kwemari. Vashandi vakawanda vanopa zvipo zvinoenderana. Vamwe vashandi vanofananidza zana kubva muzana yezana renyu rekutanga kubva muzana uye vamwe vanogona kuva nemipiro inowirirana yakawanda.
Ngatitangei dzimwe nhamba semuenzaniso. Iti mubhadharo wegore negore ndeye $ 52,000 uye mari yako yakawanda yevhiki nevhiki inenge $ 2,000. Kana iwe ukapa 3 muzana kune 401 yako (k), ipapo mari yako yakawanda yevhiki nevhiki inokwana $ 1,940. Mumuenzaniso uyu, waunoshandira anogona kuenzanisa nemari yako ye $ 60 uye iwe uchave uchichengetedza $ 120 imwe neimwe yekubhadharisa chekuchera basa.
Zvose zvaunokwanisa kupa mu 401 (k) ndeye $ 18,000. Chikuru chekutora hachisi kurega mari patafura uye kutanga kunyora mune 401k yako) pakarepo paunenge wakakodzera.
Iwe unokwereta, iwe une chikwereti, saka haufaniri kukushandira iwe kuenda. Mushure mokunge apedza kudzidza vanofunga nezvekutanga kubhadhara iyo iyo yakaoma mari yechikwereti. Pane mazano akawanda ekubhadhara anowanikwa, achipa kushanduka kwaunoda. Kana iwe usingasarudzi hurongwa hwekubhadhara, iwe uchapiwa Standard Standard Payment Plan, zvinoreva kuti iwe uchabhadhara chikwereti chako mumakore gumi. Iwe unogona kushandura kune rimwe chirongwa chakasiyana chero nguva kuti ufanane nezvido zvako nezvinangwa zvako. Enda kune https://studentaid.ed.gov uye tarisa kuongororwa kwekubhadhara kwekubhadhara. Ichi chishandiso chinogona kubatsira kugadzirisa hurongwa hwakakodzera hwekubhadhara kwemamiriro ako ezvinhu.
Budget yezvino nani mangwana. Tarisa huwandu hwemari yawakatora mushure mekubviswa kwevashandi, kubhadhara mari nemitero. Tora nhamba yemari yako yemwedzi pamwedzi yakadai sebhadha, zvishandiso, zvokudya, vadzidzi vechikwereti, foni, nezvimwewo. Kana uine dambudziko rokuyeuka kana mabhizimisi aripo, funga kuronga matanho aripo achishandisa bhanki rako kana mupiri webasa kuti urege kudzivirirwa mari.
Pakupedzisira, zvikomborere nokuda kwebasa rako rakaoma. Iwe haufaniri kuparadzanisa pane kutenga kukuru, asi unogona kuzvitengera chimwe chinhu chiduku. Kuwana mari yako yokutanga ndiyo chinhu chikuru uye iwe unofanirwa kupemberera kubudirira kwako pane iyi inokosha inokosha.