Mari yemunhu inorevei?

Wagadzirira kugona here mari yako uye gadzirira ramangwana rako ? Danho rekutanga kunzwisisa mari yako pachako. Kutarisira mari yako kwakakosha kuti urarame hupenyu hwekuzvisarudzira uye hwakachengeteka, kunyangwe uri kuronga homwe yako yekurega kana kuchengetedza mota.

Mari yako pachako inosanganisira kuongorora mari yaunowana, zvaunoda zvemari uye kugara uchigovera mari yako kune zvinodiwa. Chinangwa chikuru ndechekuti kuti uve nemufananidzo wakajeka wemari yako kuisa mari parutivi kuchengetedza nekudyara.

Kunzwisisa mari yako pachako kunogona kukubatsira kutora zvirinani kutonga kwemari yako uye kukugadzirira iwe kubudirira mune remangwana remari.

Muchokwadi, mari yemunhu ndeye sei isu, sevanhu kana mhuri uye kwete semabhizinesi kana masangano, ngatitorei mari yedu, tichengetedze uye tiise mari.

Visiting shopu yedu, iwe une mukana wekutenga edu ekutanga kudzidziswa kuti utore zvirinani mari yako wega.

🌿 Chii chinonzi mari yemunhu?

mari yako zviri pamusoro pekugadzirisa mari yako kuzadzisa zvinangwa zvako zvemari. Kazhinji ivo vanobata nguva yakareba yenguva.

Mari yemunhu inotsanangura sarudzo dzese dzemari nezviitwa zvemunhu kana imba, kusanganisira bhajeti, inishuwarenzi, kuronga imba, kuchengetedza, uye kuronga pamudyandigere.

Nyaya yekuverenga: Unoziva zvese nezve mari?

Chikamu chekugadzirisa hupfumi hwako pachako bhajeti - kugadzira chirongwa chakarongeka chinotsanangura mari uye mari. Pfungwa huru ndeyekuzviisa munzvimbo yekuti iwe usingashandisi mari yakawanda kupfuura yaunowana.

Kuisa bhajeti kunosanganisira kuongorora mari yaunowana uye kuti yakawanda sei yemari yako yaunochengeta nekushandisa.

Chaizvoizvo, bhajeti iri kugovera huwandu hwemari yaunoda kutsigira mutengo wako wekurarama, zvishuwo zvako, pamwe nemari ipi neipi. d'urgence » zviitiko zvisingatarisirwi, pamwe nekuisa mari parutivi kuti uise mari.

Nyaya yekuverenga: Nzira yekuva nerusununguko rwemari?

Budgeting kwakakosha chose kune rusununguko rwemari nechengeteko. Budgeting inokubatsira kuti utarise pazvinangwa zvako zvenguva refu zvemari uye kuona mari yako yaunochengeta uye mashandisiro.

Inogona zvakare kukuratidza kwaunoda kutonga kwakawanda pamusoro pemaitiro ako ekushandisa, sekutenga zvechimbichimbi – zvinhu zvawanga usina kuronga kutenga asi wafunga kutenga uchingofunga.

Kuve nebhajeti munzvimbo inobvumidza iwe kuita sarudzo dziri nani uye, saka, kunetseka kushoma nezve overspending uye chikwereti. Ziva kuti bhajeti yemhuri inobatsira zvisinei nehupenyu hwako kana mamiriro emhuri.

Chinyorwa chekuverenga: Cryptography: Coin Versus Token 

Kune mumwe munhu anotambira mari shoma, izvi zvinobatsira mukuwana mari mwedzi wega wega. Zvakanakirawo munhu anowana mari yakawanda.

Rangarira: hazvisi zvekuziva marii yaunowana, más yakawanda sei iwe yaunochengeta uye kuisa mari yakakosha panzira inoenda kurusununguko rwemari.

🌿 Mari yemunhu - nzvimbo shanu huru

Kuti tikubatsire kunzwisisa zvizere mari iyi, tinotarisa nzvimbo shanu huru dzemari yemunhu.

🔰 Mari

Mari yatinowana imari yatinogamuchira uye tozoshandisa kutenga zvinhu, kutsigira vadikani, kubhadhara mabhiri, kuchengetedza nekudyara.

Mihoro, mihoro yeawa, makomisheni, penjeni, zvipo, migove, muripo wehurumende nemabhonasi mienzaniso yeimwe mari inowanikwa.

Muhoro zvinoreva mari - mari kana mari yakaenzana - inouya ingave yebasa rakaitwa, mubereko kana purofiti kubva kune yakasimwa mari, kana rendi kubva panzvimbo yekurenda kana ivhu. Kana achibva kubasa, inonzi muhoro.

🔰 Kushandisa

Mari inodhura inopesana nemari inowanikwa. Iko kubuda kwemari. Mienzaniso inosanganisira kubhadhara mabhiri, rendi, chikwereti chemba, kubhadhara zvinwiwa neshamwari, kutenga girosari, kutenga zvipo uye kupa rubatsiro.

Kubhadhara kwedu ne kadhi rechikwereti uye mitero imariwo.

Nyaya yekuverenga: Zvakavanzika zvisingakanganisi kukurumidza kubhadhara zvikwereti zvako

Isu tinoshandisa mari yedu pachedu kana nemari yatinokwereta, i.e. chikwereti. Zvinodhura zvinoumba chikamu chakakosha chemari inowanikwa nevanhu vazhinji.

Paunoshandisa mari yakawanda kupfuura yaunowana, unogona kuzopedzisira wazviwana wava mudambudziko remari. Situation iyi inoita kuti urasikirwe rusununguko rwako rwemari.

Usarerutsa kukosha kwekutarisira mari. Izvo zvakakoshawo, uye pamwe zvakatonyanya kudaro, pane kuunza mari.

🔰 Savings

Kana mari yako yakakurisa pane zvaunoshandisa, chinhu chakanaka, une surplus. Iyi ndiyo mari yaunogona kuchengetedza. Nyanzvi dzezvehupfumi dzimwe nguva dzinoreva kuchengetedza sekushandisa kwakamisikidzwa. Kune nzira dzakawanda dzekuchengetedza mari.

Kana iwe usingade kana kuvimba nemabhangi nemamwe masangano emari, unogona kuisa mari yako. Pane chirevo chekare kune ichi: ". anochengeta mari yake pasi pemetiresi.

Nyaya yekuverenga: Nzira yekuderedza kushushikana kwemari yako

Vanhu vazhinji vane a savings bank account, iyo inonzi deposit account mune dzimwe nzvimbo dzenyika. Iwe unogona zvakare kubhadhara muakaundi yekurega basa.

Kana vanhu vakawandisa vakachengeta mari yakawandisa, hupfumi hwenyika hunogona kutambura. Hupfumi hweJapan hwakatambura nekukura kwakanyanya kusimba kweanoda kusvika makumi maviri emakore nekuti vatengi vanga vasingashandisi zvakakwana - vakachengeta zvakawandisa. Kana vanhu vakasashandisa mari, mabhizinesi anotambura.

🔰 invest it

Kana usiri kufara nemadzoro auri kuwana kubva kuakaundi yako yekuchengetedza, unofanirwa kufunga nezvekudyara. Unogona kutenga zvinhu zvakaita semastock uye tariro yekudzoka zvirinani pakupedzisira.

Kuisa mari ndiyo yakanyanya kuomesesa nzvimbo yemari yako uye imwe yenzvimbo idzo vanhu vanowana yakanyanya hunyanzvi zano.

Iro chikamu chaunodyara mariri chinoenderana nekuti iwe uri njodzi averse kana kutsvaga njodzi. An investor Risk averse haifarire kutora njodzi huru. Anotsvaga-kutsvaga investor anotsvaga kudzoka kwepamusoro, kunyangwe zvichireva njodzi yakawanda.

Kunze kwemasheya, iwe unogona zvakare kufunga nezvekudyara mune real estate, mutual funds, kana mabhondi. Kana uine mari yakakwana, unogona kutoisa mari mubhizinesi rekutanga remumwe munhu kana uchida zano ravo.

🔰 Dziviriro

Kudzivirirwa mumari yako pachako kunosanganisira kungwarira zviitiko zvisingafadzi kana zvisingatarisirwi. Ndiko zvakare kudzivirira zvido zvemari zvevadikanwi vako.

Mienzaniso inosanganisira inishuwarenzi yemba, inishuwarenzi yemotokari, inishuwarenzi yemari, uye inishuwarenzi yemukati memba. Vachakudzivirira kana chero chinhu chikaitika kumba kwako, kubasa kwako, fenicha yako, nezvimwe, kana mota yako.

Kana uchigara munyika isina rubatsiro rwemahara rwehutano pasi rose, funga nezvekuwana inishuwarenzi yehutano.

🌿 Mari yega - zvekuita

Kune vanhu vazhinji, kuedza kuchengetedza hupenyu hwavo mune zvemari kunogona kuita sebasa rinorema kana rinotyisa. Iyo inoda level hunyanzvi hwavasina.

Usaora mwoyo, hausi wega. Kutanga, isa zvinangwa zviri nyore. Edza kuziva kuti uri papi iye zvino uye kwaunotarisira kana kuti unoda kuva mumakore mashanu kana gumi.

Verenga kuti une mari yakawandisa here kana kuti kushomeka. Mune mamwe mazwi, mari yaunowana pamwedzi yakawanda here kana kuti ishoma pane zvaunoshandisa. Kana waita izvi, wawana yakagadzira chirongwa uye bhajeti.

Unoda kudzora zvakare mari dzako here? Hapana kunetseka, ndawana affiliate link inobvumidza iwe kuti uite Tora zvakare kutonga kwemari yako mumavhiki matanhatu, Ndinokukurudzira kuti utenge.

Pamatanho ako anotevera, une sarudzo mbiri:

🔰 Tsvakurudzo

Pedza mwedzi kana kupfuura uchiverenga zvakanyanya sezvaunokwanisa nezvemari yako. Kune zviuru zvezvinyorwa zvinonakidza uye zvinobatsira uye mavhidhiyo online.

Tevere, ona kana uri pachinzvimbo chirinani chekutanga kugadzira hupenyu hwakachengeteka mune zvemari.

🔰 Wana rubatsiro

Wana rubatsiro rwenyanzvi. Kune vazhinji vanopa mazano ezvemari vanogona kukubatsira kuti utange. Iva nechokwadi chekuti iwe sarudza inokodzera. Iwe unogona kubvunza bhangi rako kana vakapa yega yezvemari yekuraira sevhisi.

Zvisinei, munhu wavo angangodaro ari chipangamazano akabatanidzwa; vachangokupa mazano pamusoro pezvigadzirwa zvebhangi ravo. Vanachipangamazano vezvemari vakazvimiririra vanokwanisa kuwana huwandu hwakakura hwezvigadzirwa zvemari.

Kana iwe parizvino uchida rubatsiro kuti utore zvirinani mari yako, usazeze kutibata.

🌿 Mitemo Yakakosha Yemari Yemunhu

🔰 Budgeting

Budgeting chikamu chakakosha chekugadzirisa mari yako pachako. Bhajeti inokubatsira ongorora mashandisiro aunoita mari uye ronga kuti uchashandisa sei mari yako mwedzi woga woga.

Tanga nekuverenga mari yaunowana pamwedzi, wobva watanga shandisa app kuronda zvese zvaunoshandisa mwedzi wega wega. Izvi zvichakubatsira kuona kuti mari yako iri kuenda kupi, kwaunogona kuchengetedza, uye kwaungashandisa imwe shoma mwedzi wega wega.

🔰 inishuwarenzi

Kutenga inishuwarenzi chimwe chikamu chakakosha chekugadzirisa mari yako pachako. Nokutora inishuwarenzi, unozvidzivirira kubva pangozi uye unovimbisa kuchengeteka kwemamiriro ako ezvinhu.

🔰 Kuchengetedza 

Kunyangwe iwe uri mumakore ako makumi maviri uye uchangotanga kudzidza nezve zvemari yako, kana iwe uri mumakore ako makumi matatu uye uchitarisira kubata mari yako zviri nani, chinhu chimwe ndechechokwadi, unofanira kuchengetedza ramangwana.

Zvakakosha kugadzirisa homwe yekuchengeta emergency kuvhara chero matambudziko emari uye chirongwa chekuchengetedza pamudyandigere kuti ikubatsire mune ramangwana.

Kana uine matambudziko ekugadzirisa mari yako, ziva kuti isu tine premium kudzidziswa iyo inokutendera iwe kuchengetedza zvirinani, kuderedza mari yako, kuita mari yakanaka kana kuziva kugadzirira pamudyandigere kunyangwe uine mari shoma. Unogona kutenga kudzidziswa kwedu paTenzi mari yako yega Vhoriyamu 1.

Kana iwe uchida masevhisi edu, usazeza kutibata.

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