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Ndingaita sei mari isina mari?
Dzidza ku Tanga Kuisa Mari Kana Usina Mari
Kusina mari kune imwe nguva chikonzero chikuru chekusaisa mari. Uye kunyange zvazvo chiri chokwadi kuti haugoni kuisa mari ikozvino, pane zvakawanda zvaungagona-uye unofanira-kuita ikozvino kuti utange.
Kuisa mari inowanzova nyaya yekugadzirisa zvakare nekuisa mari yako mberi. Kana iwe uchingoronga kutanga kutora mari - kunyange kana usina mari ikozvino-iwe unoda kuti uite basa.
Kana uchangotanga kutenga mari, nokukurumidza mari yako inotanga kukura kuva chimwe chinhu chakakosha mune ramangwana. Kukanganisa kukuru kwekutsvaga mari hakuiti kutanga!
Nhanho 1: Gadzira Imari mubhajeti Yako
Kana usina mari yekuisa mari, iwe unofanira kutanga nekugadzirisa zvakare bhajeti yako. Tarisa pazvinhu zvose zvaunoshandisa mari mumwedzi unoenderana; pane imwe kana mbiri mari yaunogona kubvisa?
Iwe unogona kunge usingafaniri kukanganisa zvakanyanya mararamiro ako auri kurarama, asi iwe unofanira kuongorora kana zvakakosha kuderedza mari yakati, kuti uwane rusununguko rwemari mune ramangwana. Kucheka mari inenge isingadariki $ 50- $ 100 pamwedzi inowanzodikanwa iwe wose kuti utange.
Kana ukangotanga, uchawana zvishoma nezvishoma nzira dzekuchera mari yakawanda uye kurongedza kuchengetedza zvakakwana pakuisa mari. Kana iwe uchida kutsvaga mberi, iwe unogona kutengesa zvinhu zvako zvausingadi iwe kana zvaunoda, kana kutotanga mabhizimusi emhepo - semutero wemari inowanikwa uye mabhonasi. Zvose zvichave zviri nyore kuita kana iwe ukaita nzvimbo mubhajethi yako.
Vanhu vakawanda vanofungidzira kuti vanoda kuve nezviuru zvemadhora vasati vatanga kutanga kuisa mari, uye apo dendere rakakura dzira rinobatsira zviri pachena, hazvisi zvachose zvakakodzera kana. Nhanho inonyanya kukosha yekuisa mari ndiyo kutanga, iko iko ikozvino, chaipo kwaunenge uri, uye chero mari yaunayo-zvisinei nokuti yakaita sediki sei.
Danho 2: Chengetedza Imwe Mari "Mbeu"
Pane mari iwe unogona kutanga usingatori mari zvachose (tichasvika kune avo zvishoma), asi nokuda kwenhamba yakawandisa yemikana yekutsvaga mari, unoda mari yakawanikwa.
Nokutanga, zvinogona kuva zvakaoma kufambisa kudyidzana kwekutsvaga kwemazana nemazana mashoma madhora, kana kunyange zviuru zvuru. Nhamba shoma shoma yemari yekutsvaga mari yako yekutsvaga mari yekutengeserana kumari yemari, kunyanya kuratidza mari.
Asi mari idzi dzinowanzoendesa mberi mari shoma, kazhinji inokwana $1,000 (kana iwe uchizove nesarudzo chaiyo). Kuti utange kuisa mari nenzira iyi ipapo, iwe uchafanirwa kuchengetedza imwe mari.
Nzira yakanakisisa iri pano ndeyokuzarura kambani yekuchengetedza kana mari yemusika mari iyo ichave yakatarwa kuti iite mari inotevera. Iwe unogona kufunga pamusoro payo sekuve iyo yekare yekushambadzira. Iwe unoda kuchengetedza zvishoma $ 1,000 (kunyange zvakadaro zviri nani zviri nani) usati watanga chero mari yakakura.
Iwe unogona kubhadhara kambani iyi nemari yaunowana kubva kuma windfalls (sezvakakurukurwa pamusoro) kana kuburikidza nekubvisa nguva dzose kubhadhara.
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YOUTUBE CHAIKO NGUVA Vhidhiyo TRADING
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Nhanho 3: Kuwedzera Mitsva Yekubhadhara
Vazhinji vedu tava netsika yekuisa zvakanamatira chebhadhi checks muongororo dzedu, asi pakupedzisira, iwe unogona kuva nemari yakachengetwa munenge chero chero kero kese yaunoda.
Vamwe vashandi vachakubvumira kuti iwe upe mari yako mune dzimwe nhoroondo dzekusarudza kwako. Iwe unogona kuramba uchive nemuwandu wemari yako uchipinda muongororo yako yekuongorora kuti ubhadharwe hupenyu hwehupenyu huripo, asiwo une zvishoma zvakatamira mune imwe mari yekuchengetera kana mari yemari yekutsvaga mari mune ramangwana.
Kana iwe ugovera $ 50 pamubhadharo pakuita mari, uye iwe unobhadharwa kaviri mwedzi mumwe nomumwe, uchachengetedza $ 100 pamwedzi kana $ 1,200 kwegore rose! Kusaipa.
Kwete iwe chete uchasvika $ 1,000 shoma gore risati rasvika, asi iwe haungazvioni kuti zviri kuitika. Ndizvo zvinokonzera kubhadharwa-based savings imwe yeiyo inonyanya kukosha kugadzirisa mazano anokwanisa.
Iwe unogona kuita chinhu chimwe chete nekutora mari, iyo ndiyo chikamu chinotevera chehurukuro yedu.
Nhanho 4: Tanga NeHurongwa Hwakanaka Hwokurasikirwa
Kana usina mari yekutanga kutenga mari pakarepo, sezvatakakurukura, nzira yakanakisisa yokutanga iri kuburikidza nekubhadharwa kwemitero zvakananga kuiswa muurongwa hwekurega basa.
Nzvimbo inonzwisisika inotanga iri kuburikidza neurongwa huripo hwekurasikirwa kwemari. Iwe unogona kuisa zvakananga muurongwa kubva pane yako yekubhadhara, mune chero chiyero chiri mukati memunzvimbo yako yekunyaradza. Uye urongwa hwevaranda huchakubvumira kuti utange kuisa mari yako mitezo pakarepo - kusiyana nekodha yemari yekutsvaga.
Kana iwe usina mari yebasa rekushandira, iwe unogona kutanga kugovera kune rimwe rega Retirement Arrangement, kana IRA. Nokuda kwe2019, unogona kuwedzera kusvika ku $ 6,000 pagore ($ 7,000 kana iwe uri 50 kana kupfuura), uye iwe uchawana kubhadhara mutero wekuita kudaro sezvo usati wafukidzwa neurongwa pabasa.
TD Ameritrade ichakubvumidza kuti uvhure IRA, Yechinyakare kana Roth, isina hushoma dhipoziti yekutanga inodiwa. E * TRADE ine hurongwa hwakafanana, uye zvakanyanya kupfuura zvese, ese ari maviri mabroker kuitira kuti account yako painokura, uye wagadzirira tanga kushingaira kutengesa, unogona kuzviita nemari shoma.
Zvirongwa zvose izvi zvinokubvumira kuti upe zvipo zvakananga kubva pamari yako, yakafanana nenzira yaungada nayo neurongwa hwekambani.