Pawakati ndinodaro, wanga uchifunga nezvewanano uye vacheche uye nekuchembera pamwe chete, kwete kuti ungabatanidza maakaundi ako ekutarisa kana kukakavara pamusoro pekubhadhara kadhi rechikwereti. Asi sezvo kugara uchitarisa nezvehutano hwako hwemari kuchikosha pamuchato wako, zvakakosha kuti unzwisise rudzi rwewanano yemari yauri mairi. zvigaro zvayo uye misungo.
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Makumi maviri nemakumi maviriIzvo Zvangu Ndezvako
Iyi nzira, inotsanangurwa: Iyo miniti yawakasaina rezinesi rako remuchato, iwe wakasainawo pamusoro peakaundi yako yekubhangi uye ruzivo rwemudyandigere, uye unonyatso funga akaparadzana makadhi echikwereti kuve… zvinoshamisa. (Nekuda kwezvinyorwa, pfungwa ye prenup haipo munyika yako zvakare.) Wakaroora kuti usazofanira kuita nickel uye dime kune mumwe nemumwe, uye kutsvaira kadhi rakabatana kune imwe chete account kunoburitsa kufungidzira.
Nei Ichishanda: Kana wasangana zvose , zvinoita kuti zvive nyore kuverenga mufananidzo mukuru pamwe chete. (Nzira chete yechokwadi yekuziva danho rako rekubvisa kubva mupoto imwe chete.) Izvi zvinobatsira zvakanyanya kwete pakubhadhara mabhiri chete, asiwo kune zvinangwa zvenguva refu pamwe chete sekutenga imba uye kuchengetedza kukoreji. Izvo zvakare zvine zvakanaka-kune-yako mabhenefiti ehukama. Maererano ne ongororo yazvino rakabudiswa neUCLA, vakaroorana vanosanganisa mari dzavo vanofara muukama hwavo uye kashoma kuti varambane.
Zvinogona Kukanganisa: Pamwe pane musiyano wemuhoro. Pamwe mumwe wenyu anodya mari asi mumwe ari saver . Kana mari yabatanidzwa, kushandisa kwemumwe munhu ibhizimusi rako (Une sei zvakawanda mumatikiti ekupaka? Iwe wakashandisa sei zvakawanda pa saladhi?), kana kuti unogona kunzwa wakagumbuka kana ukaderedza apo mumwe wako anorasa. The work-around? Meticulous bhajeti, saka imi mose mune nhamba dzakakasharara dzemax enyu ekushandisa pachikamu.
Makumi maviri nemakumi maviriVakaparadzana Asi Vakaenzana
Iyi nzira, inotsanangurwa: Hongu, wakaroora, asi pazvemari, wakazvimiririra zvakanaka: Akaparadzana maakaundi ekubhangi, makadhi echikwereti akasiyana, imwe nhanho yezvakavanzika pamusoro pekuti ndiani anoshandisa chii. Munoparura zvinhu zvikuru (munobhadhara mari yemagetsi; anobhadhara gasi) mochinjana kutora cheki. Asi ukada kutenga bhegi remadhora mazana manomwe nemakumi mashanu, harisi bhizinesi rake.
Nei Ichishanda: Nyanzvi dzakawanda dzinobvumirana nazvo kwete kubatanidza maakaundi ekubhengi inzira yemazuva ano yekuratidza zviratidzo zvekuvimbana muhukama, kunyanya sezvo vakaroorana vava kusungirira pfumo gare gare muupenyu uye vachiuya kumuchato nemari yakawanda uye mari yakachengetwa. Nekuchengeta maakaundi iwayo akaparadzana, unogona kuchengetedza zvauri uye hunhu hwako, anodaro Feneba Addo, mutevedzeri wepurofesa wesainzi yevatengi paYunivhesiti yeWisconsin-Madison, mubvunzurudzo mu. The Atlantic . Uyezve, inzira iri nani yekuchengetedza mari yako, kana hukama hwavava.
Zvinogona Kukanganisa: Kunyange iwe unonyatsoziva chii uri kushandisa mari, kubhengi kwakasiyana kunoita kuti zviome kuziva izvo mumwe wako ari kuburitsa-izvo zvinogona kutadzisa zvinangwa zvenguva refu yekuchengetedza. Zvinhu zvinogona zvakare kunetsa kana vana vapinda mumufananidzo, panguva iyo iwe ungangoda kujeka.
Makumi maviri nemakumi maviriThe Joint(ish)
Iyo nzira, inotsanangurwa: Iwe wakabatanidza yako yekutarisa account, makadhi ako echikwereti, kunyangwe yako yekudyara portfolio. (Zvakanaka, iwe wakavhura imwe itsva pamwe chete-bravo.) Asi iwe mumwe nomumwe wakachengetedza imwe yega yega account account kuti uwane zvipo, splurges kana zvimwe zvinhu zvinokutsigira iwe pachako pane iwe semurume nemudzimai.
Nei Ichishanda: Ah, kuenzanisa. Kunzwa kwakanaka here? Nekuita zvizhinji wemari yako muakaundi yakagovaniswa, unogona kusvika kune zvemari sechikwata uye gara wakaisa ziso rako pazvibodzwa zvemifananidzo mikuru yemhuri. Asi nokuva vamwe Mari ndeyako neyako chete, unogona kuramba uine imwe nhanho yekuzvimiririra-uye uve nepoto yekutenga zvipo uye splurges.
Zvinogona Kukanganisa: Neakasiyana maakaundi, iwe unozofanirwa kunyatso tsanangura kuti chii chinofanira kubva kupi. Semuyenzaniso, kushanya kwespa kunobuda mumubatanidzwa here iwe uri amai vakashushikana vevatatu kana kuti kunofanira kubva kune yako yawakachengeta? Zvakadini nebhawa rako neshamwari? Ivai pamberi nemumwe pamberi unotenga saka haufanire kuita nickel uye dime mumwe nemumwe kana bhiri rasvika.
Makumi maviri nemakumi maviriIyo Macro- uye Micro-Mamaneja
Iyo nzira, inotsanangurwa: Mumwe wenyu anobata zvinhu zvese zvepikicha-mainvestimenti, maakaundi ekurega basa, kutenga imba-ukuwo mumwe achibata mari yemazuva ese. Hapana bato rinopinda zvakanyanya mukuita kwemumwe, uye nekudaro iwe une nguva yakawanda yezvinhu zvisiri zvine chekuita nemari.
Nei Ichishanda: Kutumwa kune hungwaru munzvimbo dzakawanda dzehupenyu, asi kunyanya zvemari, uko zvinogona kuremedza kutarisa zvese. Izvi ndezvechokwadi kunyanya zvichienderana nemabatiro aunoita mabasa emazuva ese: Nepo vamwe vanhu vakanaka pakufunga kwemifananidzo mikuru, vamwe vanoda imwe nzira yakanangana neruzivo. Uye, maererano nekutsvaga kwehutungamiri kwakaitwa na Harvard Bhizinesi Ongororo , ichi chingava chokwadi cheupenyu kwamuri mose: Mumwe wenyu ari pachinzvimbo chiri nani chekutora danho shure uye kuita kufunga apo mumwe munhu ari mberi achidzima moto wemari unouya zuva nezuva. Kana iwe nemumwe wako muchiziva izvi nezvemumwe nemumwe kana mamiriro ako ezvinhu, zvinogona kukushandira kune mukana wako kutamba kune zvaunokwanisa.
Zvinogona Kukanganisa: Ingove nechokwadi chekuti hapana mumwe wenyu anozopedzisira ave murima nezve zano remumwe kana anonzwa sekunge sarudzo yakakosha yakaitwa pasina kubvumirana. (Mirira, takatengesa muhomwe yekoroji yevana yeBitcoin?). Iva nemusangano wemwedzi wega wega wekutarisa kana bhajeti apo iwe wega unopa mufananidzo wechero mhepo kana zvipingamupinyi-sekuchinja kukuru mune yako stock portfolio kana mutengo wekugadziriswa kwemotokari nguva pfupi yapfuura.
Makumi maviri nemakumi maviriHudzvanyiriri
Iyo nzira, inotsanangurwa: Munhu mumwe—mubiki wechingwa kana kuti kwete—anodzora zvose mari. Mumwe munhu (kana minion) anomhanya kutenga zvakapfuura akati mudzvanyiriri kuti atenderwe kana kungotsvaira, swipe, swipe kusvika (eep) kadhi rechikwereti rabva ravharwa. Iyo minion kazhinji haizive mashandisirwo emifananidzo mikuru, uye kazhinji ine ruzivo rushoma rwezvese zvinhu.
Nei Ichishanda: Tinovenga kuzvitaura, asi hazvina kudaro. Kunze kwekunge iwe uri mune imwe yeaya ane mukurumbira shuga baba / mucheche mamiriro anogara achitisundira kunze.
Zvinogona Kukanganisa: Kunze kweiyo icky hukama zvinorehwa (simba rine simba rakawanda?), Izvi zvine njodzi mune zvemari. Unofanira chero chinhu enda zvakashata, minion haina simba, hapana nzwisiso huru yemufananidzo uye kazhinji kazhinji haina mari muzita rake. Ehe, zvakanaka kana munhu mumwe achibata nezvemari yemhuri kupfuura mumwe, asi imi vaviri muri timu uye mese munofanira kumhanyisa pamunomira.
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