Nzira Yokudzivisa Nayo Zvikanganiso Zvikuru Zvinoshungurudza Mazano Ezvoupfumi
Kunyange zvakarongwa zvakanakisisa-zvigadziriswa zvinowanzowanda asi izvo hazvifaniri kutidzivisa kuronga.
Ichokwadi, chirongwa chakasimba chezvemari chinokwanisa kusanganisira sehupenyu hwe "hupi kana" kana zvichikwanisika uye hunochinja kuchinja.
Hazvina mhosva kuti zvingava zvakaoma sei kuti tive vakakwana mukugadzirira kwedu, pane zvimwe zvinhu zvinokosha zvatingaita kuti tisaita zvikanganiso zvakakura. Heano mienzaniso mishomanana yekusarudza mari iwe waungapedza makumi emakore uchiedza kudzoka kubva:
Kuedza Kufamba Nezveupenyu Husina Budget
Izwi rokuti " bhajeti " rinowanzokonzera kushungurudzika uye zvisingatarisirwi. Saka ngatipei mari yekugadzirisa zita rinowedzera simba - i " purogiramu yemari yako ". Kuzvichengeta purogiramu kunopa ruzivo rwekuti kupi mari yedu iri kuenda uye kunotibatsira kuti tigadzirise mberi zvisarudzo zvemari. Kubhadhara mari hakusi kune avo vanotambura kuti vawane zvigaro. Munhu wese anoda rudiro rwekushandisa hurongwa uye hurongwa hwako hunoda kuva zvinopfuura kungosarudzwa zvakasarudzwa zvinangwa zvakanaka - urongwa hwako hunofanira kugara hwakanyorwa pasi.
Nenzira yakanaka, izvi zvinoshandisa zvirongwa hazvidi kuti zvive zvakakwana kana zvakanyanya kuoma. Mari yako inogona kuva yakajeka kana yakaoma sezvaunoda kuti ive. Yeuka kuedza nekuita mari yekuchengetedza mari, kubhadhara zvikwereti, nekubhadhara chikwereti zvese.
Kushandisa Makadhi Makadhi Ekubhadhara Zvokuda Nezvinodiwa
Chikwereti chinova chipingamupinyi chikuru pamugwagwa wezvinangwa zvakakosha sekutora basa.
Mibairo yekadhi yemakadhi inogona kukanganisa nekukurumidza uye kushungurudzika kuchaenderera mberi kuwedzera pamwe nechikwereti ichocho. Kana iwe nguva dzose uine chikwereti pane zvikwereti zvekadhi rako rechikwereti izvi zvisarudzo zvehupenyu zvinogona kuguma zvinodhura mazana kana zviuru zvemadhora kwechinguva (ona DebtBlaster Calculator). Kuziva kuti une chido chekushandisa zvakawanda kana iwe uchishandisa plastiki kana uchienzanisa nekubhadhara nemari ndeimwe chikonzero chekuchinja iyo makadhi ekukweretesa.
Zvakakosha kunzwisisa kuti makadhi haasi chinhu chakaipa - kunyanya kana iwe uine chirango chokubhadhara zvachose mwedzi mumwe nomumwe. Kana iwe uchitendera kuti 34 muzana yeAmerica avo vari kupa chikwereti chekwereti chikwereti vabatsire kubhadhara makadhi enyu ekwereti yekwereti iwe unogona chaizvo kuvashandisa kuti iwe unobatsire nemitambo yakasiyana-siyana uye mari yakadzokera shure.
Vavhareji vashandi vanoshandisa $ 2 630 pagore pamakadhi ekwereti. Imwe nzira inobatsira yekubatsira kuve nechokwadi kuti hausi kushandisa makadhi emakwereti nenzira isina kururama ndeyokutonga mutemo wemaawa 24 nekuda kwekutenga kadhi rechikwereti. Nguva dzose edza kudzivisa kushandisa chikwereti mumamiriro ezvinhu apo iwe haugoni kubhadhara bhaari yako yakazara mukati maawa makumi maviri nemaviri. Kana iwe uchigara uchizviwana usingakwanisi kutevera purogiramu iyi inogona kunge iri nguva yekucheka makadhi iwayo (kana kuti kuasvibisa mubato rechando).
Kuwira kune Watsva, Mukurusa, Muteyo Unopfuura
Zuva roga rokutanga isu takasvibiswa nekutengesa mharidzo uye zvinyengeri zvisinganzwisisiki zvatinofanirwa ne "chikuru" chinhu chinotevera. Kunyangwe iri motokari itsva, dzimba, teknoloji gadget, kurota zororo, chikwata kana imba yekuvandudza purojekiti, zviri nyore kuwira mumusungo.
Kutenga motokari itsva yausingakwanisi kutenga ndiyo dambudziko rinowanzokonzera mhuri munyika yose yekusununguka. Kuti urege kuwira mumusungo uyu iwe unogona kuenda mberi uye kushanda chero zvingave zvakakosha kutenga kune yako yekushandura hurongwa. Usangofunga nezvekubhadhara kwemwedzi. Tarisa pane zvimwe zvinhu zvinokosha zvezvemari kuitira kuti uve nechokwadi chokuti uri mune mari yakasimba uye unokwanisa kutenga iyo pasina kukanganisa ramangwana rako remari.
Kutora chikwereti chikuru chevadzidzi vechikwereti
Mari yechikwereti chemari chikwereti muAmerica iri pano uye inofungidzirwa kuti inokura $ 2 726 pamutsara.
I $ 1.3 trilliyoni muzvikwereti zvikwereti chemari chikwereti muAmerica inoratidza kuti kuchinja kunoshandiswa pazvinhu zvose zvevanhu uye zvekugadzirisa zvekutarisira mari dzekudzidzisa nekuvandudza kukosha kwevhigiriji yegoroji. Sezvo uri wega wezvemari, ndinosarudza kuisa pfungwa pane zvinhu zvatinotarisira. Zvakanyanyisa kudzoka shure ikozvino kana uchitotanga kushambira mugungwa rechikwereti chemari chikwereti. Asi kana iwe uri kufunga nezvekutsvaga miitiro yezvidzidzo kana kuva necheche pedyo nekoroji, tanga chirongwa chemari musati watora chikwereti chemari chikwereti kuitira kuti uzive zvauri kupinda.
Kwete Kuita Zvakakwana Kudzivirira Pfuma Yako
Kana zvasvika pakurongwa kweinishuwarenzi, tinowanzotanga nekudzivirira motokari dzedu, dzimba, uye pfuma yedu. Izvo zvinowanzoitika hazviendi zvakakwana sezvo vanhu vazhinji vasina umbrera mhaka yekuvhara , iyo inotengesa mitemo inobatanidza chero zvingave zvikwereti zvinopfuura kudarika kwako nguva dzose.
Zvakakoshawo kufungisisa nezvevaya vanowanzoita nyaya dzekufa nekuremara. Pasinei nezera kana kuti kana usati waroorana kana kuti une vana, iva nechokwadi chokuti une inshuwarisi yehupenyu yakakwana kuburikidza nekuongorora tsanangudzo yekutanga kamwechete kamwe chete makore maviri. Kana iwe wakanga uine njodzi kana chirwere chakakonzera kusuwa basa kwenguva yakareba, iwe iwe nemhuri yako mungakwanisa here?
Kufunga Kuchengetedza Zvokugadzirisa Ndezvevanhu Vakwegura (kana Kuti Kwakanyanya Kupera Kuronga)
Kumirira kwakanyanyisa kunotanga kuponesa nokuda kwekurega basa chikamu chakakura. Zvinowanzotambudza kutanga mabasa edu nemagumo mupfungwa, kunyanya apo hupenyu huri kutitakudza matambudziko asingaverengeki kwatiri anoomesa mararamiro atinoita nayo mari yedu zuva nezuva. Saka zvichida inguva yekugadzirisa zvakare hurukuro nekuitumidza kuti chii chaizvoizvo - Financial Independence Day.
Kusingoteereri Kuda Kwemari Miti
Mari yehupfumi yemabhizimisi haisi nguva dzose yakajeka sezvinodiwa pamusoro pezvinodiwa mari yekutsvaga uye inishuwarenzi. Ichokwadi, vanhu vakawanda havatombozivi kuti vakasiyana sei vezvemari vanobhadharwa kana kuti izwi rokuti fiduciary rinorevei.
Vatungamiri vezvemari vanogona kuva chikonzero chakakosha chezivo nekutungamira muhutano hwekuvaka pfuma. Asi izvi hazvirevi kuti iwe unofanira kubhadhara zvakashata mari iyo nokuti inofunga zvakawanda kupfuura vanhu vakawanda vanozviona. Kuvandudzirwa kwekubhadhara mari yauri kuripa mune zvakasiyana-siyana zvemari kunogona kukubatsira kuchengetedza mari yako yakaoma yakawanikwa.
Kuzvidzivirira Kwemari
Kana iwe uchida kugadzirisa zvinangwa zvako zvehupenyu zvinokosha nemari yako nezvimwe zvinhu zvaunofanira kubhadhara. Iwe haufaniri kuva nyanzvi yemari iwe unongoda kuite chimwe chinhu uye kuita chimwe chinhu. Kune vakaroorana, kudzivirirwa mune zvemari kungave nemigumisiro inokuvadza yakafanana nemari zvinokonzera uye kushushikana. Sezvo Liz Davidson anotaura mubhuku rake What Your Financial Advisor Haasi Kukutaura Iwe , shamwari yako yehupenyu inogona kuva iwe muvengi wako wakaipa mune zvemari. Kusataura nemumwe wako nezvezvinhu zvemari kune njodzi dzakawanda. Kana iwe uine wezvemari, iwe unogona kutaura pamusoro pezvinangwa zvako zvemari panguva yekutaura mari nguva dzose. Kana iwe uri kutasva solo pamba iyi yezvemari, tsvaka ruzivo rwehutungamiri kana kugovana zvinangwa zvako neshamwari yaunovimba kana mudzidzisi kuitira kuti uve nekutaurirana uye kukurudzira.
Sezvaunogona kuona, pane zvakawanda zvingasarudzo zvemari zvinokwanisa kuwana zvirongwa zvedu zvekurega basa kubva pamugwagwa uye kukuvadza mikana yedu yekuwana zvimwe zvinangwa zvehupenyu zvinokosha. Chirongwa chezvemari chakakosha ibasa rinobatsira kukubatsira kudzivisa zvikanganiso zvakakura.