Nzira yekuva nerusununguko rwemari?

rusununguko rwemari, izvi zvingaita sedzidziso yakanaka. Asi chokwadi ndechekuti chero munhu anogona kuzviita. Uye ndinoreva chero munhu - kunyangwe mumwe munhu aimbove nemakumi ezviuru zvechikwereti chemudzidzi sechako. Hazvina mhosva kuti ndeapi matambudziko emari auri kuita nhasi, pane nguva dzose nzira yekudzokera kuchena. Nhanho yekutanga inogona kunge iri yekuyedza application ye bhajeti.

Muchikamu chino, tichanyura mukati kukosha kwekusununguka kwemari. Ndichakupawo mamwe matipi ekuti uve nerusununguko rwako rwemari, kusanganisira mashoma akandishandira.

???? Chii chinonzi rusununguko rwemari?

Rusununguko rwemari nderwekutora muridzi wemari yako. Iwe une mari yakavimbika inoyerera inokubvumira kuti urarame hupenyu hwaunoda. Iwe haunetseki nezvekuti uchabhadhara sei mabhiri kana mari yekukurumidza. Uye hausi kuremerwa nemurwi wechikwereti.

Zviri pamusoro pekuziva kuti iwe unoda imwe mari kubhadhara zvikwereti zvako uye pamwe kuwedzera mari yako nekuwedzera zvishoma. Izvo zvakare nezve kuronga mamiriro ako emari enguva refu nekushingairira kuchengetedza zuva rekunaya kwemvura kana retirement.

???? Heano matipi gumi ekukubatsira iwe kuwana rusununguko rwako rwemari

1. Nzwisisa paumire

Iwe haugone kuwana rusununguko rwemari usingazive yako pekutangira. Kutarisa kuti une chikwereti chakawanda sei, kuti hauna mari yakadii yauinayo, uye kuti unoda zvakadini zvinogona kuva chokwadi chinoodza mwoyo. Asi inhanho yakakosha munzira kwayo.

Nyaya yekuverenga: Nzira yekuderedza kushushikana kwemari yako

Nyora rondedzero yezvikwereti zvako zvese: mortgage, zvikwereti zvevadzidzi, chikwereti chemotokari, kadhi rechikwereti uye chero chimwe chikwereti chaungave wakawedzera. Usakanganwa kusanganisira mari yawakwereta kubva kushamwari kana nhengo dzemhuri mumakore apfuura.

Zvino chimbofema. Uye mumwe. Wobva wawedzera nhamba dzese.

Une chikwereti chakawanda sei?

Kana iri nhamba huru, usavhunduka, ndinovimbisa kuti ndichagovera dzimwe nzira dzokubhadhara nadzo gare gare munyaya ino. Kana iri nhamba shoma, makorokoto! Inzwa wakasununguka kugovera matipi ako erusununguko rwemari mune zvakataurwa pazasi.

Wobva watarisa mari yese yawakachengeta. Nyora runyoro rwezvese zvawachengeta: maakaundi ekuchengeta, masheya, zvirongwa zvemakambani ekufananidza masheya, zvirongwa zvekufananidza zvekambani, uye zvirongwa zvekurega basa. Tevere, wedzera chero muripo unodzokororwa pamwedzi waunogamuchira, senge muhoro, imwe mari, nezvimwe.

Chengeta nhamba idzi mupfungwa sezvatinoshanda kuburikidza nemazano anotevera ekusununguka kwemari.

2 Ona mari nenzira yakanaka.

Chikwereti chinogona zvirokwazvo kuva chinotyisa zvishoma. Asi yeuka kuti mari chinhu chakanaka, kunyange kana ichiratidzika kuva inotakura mutoro unorema iye zvino. Iwe unofanirwa kuwana rusununguko rwemari.

maererano Iwe Uri Akashata Pakuita Mari naJen Sincero , vanhu vasingawani mari yakawanda vanowanzonzwa vachinyara kana toreva nezvekuita mari. Uye saka chipingamupinyi chikuru chine vanhu vazhinji kana tasvika pakuita mari ndechekuti vanonzwa sekunge mari yakaipa.

Vazhinji vanonzwa vane mhaka nokuda kwokuva naro uye vane mhaka zvikuru nokuda kwokuchida. Isu tinoshandisa mari zuva rega rega kuvandudza hupenyu hwedu, asi isu tinogara tichiita setiri kutarisa pane yayo yakaipa.

Mari inongodiwa sechikafu kana mvura. Zvinokubatsira kutenga zvaunoda uye kurarama hupenyu hwaunoda.

Kuti uwane rusununguko rwemari, unozofanirwa kuona mari sechishandiso chichakubatsira kuzadzisa zviroto zvako, kupisa simba rako, uye kurarama hupenyu husina kunetseka hwaunogona kunakidzwa.

Nekuti kana iwe uchiona mari zvisina kunaka, iwe usingazivi unoparadza mikana yako yekuiwana nekuichengeta.

3. Nyora zvinangwa zvako

Sei uchida mari?

Unoda kubvisa zvikwereti zvako zvachose here? Uri kushuvira kutiza 9 kusvika ku5 kugaya? Pane kwawagara uchida kufamba? Iwe unoda kuchengetedza muchato, vana kana pamudyandigere?

Nyaya yekuverenga: Zvaunofanira kuziva nezveakaundi ekubhangi evana

Ndakawana rusununguko rwemari nokuti ndakaisungirira kune chinangwa chepfungwa. Chinangwa changu chaive chekubuda muchikwereti chemudzidzi uye kuchengetedza imba yangu yekutanga. Uye kutaura chokwadi, chaive chiitiko chekufara kuona chikwereti chichidzika uye mari yangu yandakachengeta ichikwira.

Ndakafara kuona nhamba dzichichinja zvekuti ndakashanda nesimba kuti ndiwane mari yakawanda uye kuona shanduko huru mumari yangu. Ndingadai ndakazadzisa chinangwa changu cherusununguko rwemari here dai ndisina kusungirira chinangwa kune chimwe chinhu chinonzwisa tsitsi?

Zvimwe kwete. Ndaida chaizvo kusiya chikwereti changu kuti ndibve pamba pevabereki vangu. Kupererwa uku kwakandikurudzira murwendo rwangu rwose.

Chimwe chinhu chinofadza chakaitika. Muna Kukadzi 2018, ndakanyora pabepa zvimwe zvezvinangwa zvangu:

• Wana $100000 Kutengesa Zvigadzirwa Pamhepo
• Chengetedza $20000 yekubhadhara pasi
• Bhadhara $24000 muzvikwereti zvevadzidzi

Ndakapedzisira ndakanganisa bepa iri uye zvachose ndakakanganwa nezvazvo. Zvino rimwe zuva, kwati pfuurei gore gare gare, pandakanga ndava kutogara muimba yangu itsva, ndakaiwana mubhuku rangu rekunyorera. Chokwadi, ndakanga ndapedza zvinhu zvitatu. Chinhu chinosetsa ndechekuti, handina kana kumbofunga nezvezvinangwa izvozvo.

Iwe unogona kusaita zvese zvaunoda mumwedzi. Asi gore inguva yakareba yekufambira mberi pazvinangwa zvako. Ita shuwa kuti chinangwa chako chakasungirirwa kune chaiyo nhamba yaunoda kuzadzisa. Zvitende kana kwete, iwe unozotanga kushanda kune izvi zvinangwa usingatombozvizivi.

Nekuziva chaizvo zvaunoda kuita, kuwana rusununguko rwemari kuri nyore zvakapetwa miriyoni.

4. Tarisa mari yako

Nhanho yakakosha kune rusununguko rwemari ndeyekutevera mashandisiro ako.

Unogona kushandisa chishandiso seMint, icho chinokuzivisa iwe kuti imarii yauri kushandisa. Muzvikamu zvipi zvawakashandisa zvakanyanya, imarii iri mumaakaundi ako ese uye kuti une chikwereti chakawanda sei.

Chimwe chinhu chakanaka nezveMint ndechekuti inokutendera kuti uise zvinangwa mudhibhodhi. Iwe unogona kuramba uchitevera zvinangwa zvako uye kuziva mwedzi chaiwo waunotarisirwa kuzadzisa chinangwa zvichienderana nemari yawakaisa. Saka unozvidavirira uye yeuka kuramba uchiisa mari iwe pachako.

Mushure mekushandisa Mint kwemwedzi, ndakakwanisa kuchengetedza imwe mari yechinangwa changu chitsva chehomwe yemuchato. Mint yakandibatsira kuti ndirambe ndakatarisa pachinangwa changu uye yakandisundidzira kuti ndigadzire mari yakawandisa kuti ndisvike padanho rangu rezvemari.

5. Zvibhadhare iwe kutanga

Iwe wakambonzwa mutsara wekuti "zvibhadhare iwe kutanga." Asi kana usina, "zvibhadhare iwe kutanga" zvinoreva kuisa imwe mari muakaundi yako yekuchengetedza usati wabhadhara chimwe chinhu, sezvikwereti. Uye kuzvibhadhara iwe kutanga kwakabatsira vanhu vasingaverengeki kuswedera kurusununguko rwemari.

Pourquoi?

Nokuti kana uchida kutanga wazvibhadhara 1 000 $ panguva yekubhadhara, chasara kubhadhara mabhiri. Uye kana iwe usina kukwana kuvhara mabhiri iwayo, unomanikidzwa kutora mari yechipiri kuti ubvise mari.

Nyaya yekuverenga: Macheki ekubhengi akasiyana, macheki emunhu uye cheki dzakasimbiswa

Nekuzvibhadhara iwe kutanga, unoita shuwa kuti unogara uchiisa mari parutivi kuti uise mari mukati mako. Nekuita zvakapesana, unongowana zvasara, izvo kazhinji zvisina kukosha zvakakwana kukubatsira kuti unakirwe nerusununguko rwemari.

Iwe unogonawo kuzvibhadhara iwe kutanga mune dzimwe nzira. Somuenzaniso, kana kambani yako ine chirongwa chekuchengetedza pamudyandigere, unogona kukumbira kubviswa kwemari yekurega kwako.

Nenzira iyi iwe unoisa mari mukati mako uye neramangwana rako kutanga. Mari yacho inobviswa pamubhadharo wako, saka chasara imari yaunogona kuisa parutivi kune mabhiri ako uye mari.

6. Shandisa zvishoma

Uye 1958, Warren Buffett akatenga imba imba yekurara shanu yemadhora makumi matatu nemakumi mashanu nemazana mashanu uye haana kuzotama kubva ipapo. Mari yake? An incredible 90,3 bhiriyoni emadhora. Anokwanisa kutenga imba hombe uye inodhura. Asi hupfumi hwake hunogona kunge huri chikonzero chekuti ari mumwe wevanhu vakapfuma kwazvo munyika.

Kanye West, kune rumwe rutivi, haatyi kushamisira mari yake. Anogara mu $20 miriyoni mansion. Uye pane imwe nguva, aine $53 miriyoni muchikwereti, akasarudza kudaro bvunza Mark Zuckerberg kwe $ 1 bhiriyoni … pa Twitter.

Musiyano pakati pevarume vaviri vakabudirira zvikuru? Buffet haana kushandisa zvakapfuura zvinodiwa, uye West ari kushandisa mari yaasina.

Chokwadi ndechekuti vapfumi vazhinji havaratidzike sevapfumi. Zuckerberg anopfeka zvakafanana t-shirt uye jeans mazuva ese. Kutenga zvinhu zvishoma kunogona kukubatsira kuti upfume.

Nekushandisa zvishoma, zvinhu zviviri zvinoshanda zvakakunakira. Kutanga, iwe unenge uine mari yakawanda yekuisa parutivi rusununguko rwako rwemari. Chechipiri, iwe uchadzidza kuti iwe unotoda zvinhu zvishoma zvishoma kuti urarame, izvo zvakare zvinokubatsira iwe kuchengetedza mari yakawanda.

Uye izvo zvinopinda mune yedu inotevera pfungwa ...

7. Tenga zvakaitika, kwete zvinhu

Hupenyu hupfupi. Hazvisi zvekuunganidza mari yako yese usati wasvitsa makore makumi matanhatu nemashanu. Unotenderwa kunakidzwa neupenyu uchiri mupenyu. Pakupedzisira, zvinhu zvinozokubatsira kurarama hupenyu hwakazadzikiswa zvichave zviitiko zvaunazvo, kwete zvigadzirwa zvaunazvo.

Uye zvinhu zvaunotenga zvinoita kuti ufare mukufamba kwenguva here? Chikwereti chaunacho kubva pakutenga zvinhu zvakawanda chinoita kuti hupenyu hwako huve nyore here?

Zvino ngatitenderei switch. Chii chaunonyanya kuyeuka? Wanga uchiitei ? Wanga unaani? Ngatiite ndangariro dzakawanda seizvi. Zvimwe une shamwari yaunoda kushanda nayo. Mukoke kuti aite kurovedza muviri paYouTube playlist kumba mahara.

Husiku hwemusi. Unoda kuita kuti zvisakanganwike. Tsvaga chiitiko chinonakidza chausati wamboita.

Wagara uchirota zvekuenda kuRoma. Wanga uchichengeta mari kwegore kuti urarame zororo rezviroto zvako. Enda kuzororo risina mhosva. Hauna kupinda muchikwereti nekuda kweizvi, wakazviwana. Kana iwe unogona kuve dhijitari nomad uye ufambe pasirese uchishanda kunze kwenyika.

Nyaya yekuverenga: Bank Current Account - Zvinoreva, Zvakanakira uye Zvakaipa

Hupenyu hunogadzirwa nenguva. Iwo akanakisa anouya kubva kune yakanaka nguva inopedzerwa neshamwari uye nemhuri. Nepo zvimwe zvigadzirwa zvichigona kukubatsira kuti uswedere pedyo nemhuri yako (sevhiki nevhiki Mhuri Vhidhiyo Game Night), zvizhinji hazviwedzeri kukosha.

Usashandise mari, haufanirwe kunyepedzera kunge une mari.

8. Kubhadhara chikwereti

Vamwe vanhu vanokuudza kuti kuchenjera kuisa mari yako mumasheya pane kubhadhara chikwereti chako. Kana iwe uri nyanzvi yekunhonga stock, chingave chokwadi. Asi kana usati wambodyara mumasheya kare, unogona kupedzisira wava nechikwereti chakawanda.

Vanhu vazhinji vanonzwa zvakafanana mushure mekupedza kubhadhara kwavo kwekupedzisira chikwereti: kurerukirwa. Kana uine 50 000 $ chikwereti, kunyange uine 30 000 $ mari mubhangi, haugone kuzvidaidza kuti mari yemahara. Uchine 20 000 $ mugomba.

Nepo kubhadhara mumwe munhu kusinganakidze sekuve nemari mubhangi, zvinounza iwe nhanho imwe padyo nerusununguko rwemari.

Nyaya yekuverenga: Nzira yekubvisa sei mari yePayPal nyore pasina kadhi muAfrica?

Pane nzira mbiri huru dzekubhadhara chikwereti: snowball uye avalanche. Snowball ndipo paunotanga kubhadhara chikwereti chiduku. Iyo avalanche ndipo paunobhadhara chikwereti chaunacho mubereko Wepamusoro-soro.

Unofanira kusarudza zvakakunakira. Asi pandakanga ndichishanda kuti ndisunungurwe chikwereti, ndakava nemigumisiro yechando.

Zvakandibatsira kuti ndirambe ndichikurudzirwa. Sezvo ndakakwanisa kubvisa chikwereti changu chekutanga, bhiri rechikwereti che 1 200 $, mumwedzi mumwe chete, pfungwa yekubudirira yakandikurudzira kutora chikwereti chemudzidzi chakakura uye chinoramba chiripo.

Kubhadhara chikwereti chikuru kunotora uremu hukuru pamapfudzi ako. Mushure mekubhadhara chikwereti chako, unoona huwandu hwemari yaunayo mubhangi ichiwedzera.

9. Gadzira mamwe masosi emari

Zvakanaka, panguva ino iwe unenge uchifunga, "Chikwereti changu chakanyanya kudarika muhoro wangu, ndingachibhadhara sei kana ndikasawana zvakakwana?" Kana uri serious nezvekusununguka kwemari, unofanira kupira dikita nemisodzi.

Kana zvakadaro, iwe unofanirwa kuisimudza uye kutsvaga mari kunze kwebasa rako razvino. Ini semuenzaniso, ndiri mudzidzisi-muongorori uye hapana chinonditadzisa kuva blogger uye bhizinesi consultant. Zvose maererano nesangano.

Vamwe vanamazvikokota vanokurudzira kuve neanosvika manomwe masosi emari. Kana uine basa makorokoto une rimwe, mamwe matanhatu chete kuita! Iye zvino unogona kutarisa mabviro ako emari nenzira mbiri: mari inoshanda (nguva yekuchinjana mari) kana mari inongowanikwa (mari inogona kuramba ichiuya, kunyangwe iwe uchirara).

Mabviro emari inoshanda

Kana iwe ukatengesa nguva yako nemari, iwe unoganhurwa nemaawa ezuva. Heano mamwe mabasa epadivi aunogona kuita kuti uwane mari inoshanda:

• Iva munyori akazvimirira nekutsvaga mabasa paProBlogger, Upwork, Fiverr, nezvimwe.
• Batsira muridzi webhizinesi semubatsiri chaiwo ane mabasa paUpwork
• Dzidza hunyanzvi hutsva kuburikidza nemakosi epamhepo emabhizinesi
• Iva mutyairi weUber
• Batsira nemabasa epamba paTask Tsuro
• Tora iro risinganzwisisike, rakajairika basa paCraigslist
• Uye zvimwe!

Nzvimbo dzekuwana mari

Kana iwe usina nguva yakawanda yekushandisa mukuwana mari, unogona kutarisa pakuwedzera mihoro yako yekuwana nemari yekungoita senge:

• Tanga chitoro chendaneti. Tarisa chinyorwa ichi kuti uzive nzira yekubudirira kutanga bhizinesi repamhepo
• Tanga Yako Yega Yekupfeka Bhizinesi paShopify
• Tengesa zvine pundutso zvemukati (blog, ebooks, makosi, webinars, audiobooks, podcast, maapplication)
• Iva affiliate marketer. Bvunza dzidziso yedu yakakwana kuti udzidze zvakawanda dzidza zvakawanda nezve affiliate marketing.
• Tenga zvivakwa wozvirojesa
• Invest in stocks

Sezvineiwo, hova dzako nomwe dzemari dzinogona kubva kune imwechete sosi. Semuenzaniso, kana iwe uri e-commerce nyanzvi, hova dzako dzemari dzinogona kubva mukuvaka zvitoro zvinomwe zvakasiyana. Rangarira: haufanire kutanga nehova nomwe, unogona kuvaka pamusoro padzo nekufamba kwenguva. Heino chinyorwa chakakosha chinokutsanangura iwe nhanho nhanho mararamiro ehupenyu zvachose kubva kubhulogi yako.

10. Isa mari mune ramangwana rako

Chikamu chekupedzisira chezano rerusununguko rwemari ndechekuisa mari mune ramangwana. Ngatiti iwe unotevera kuraira uye kurudziro mune ino chinyorwa, buda muchikwereti uye uwedzere mari yako yawakachengeta. Zvingave zvakakwana kukubatsira izvozvi. Asi zvakadini kana zvisingatarisirwi zvikaitika? Uchagadzirira here izvi?

Saka zvakakosha kuchengetedza, kuisa mari parutivi kwemazuva ekunaya. Kana ukafa, mhuri yako hainyuridzi kubhadhara mariro ako, zvikwereti uye mutero. Zvakanaka, zvino dzokera kunzvimbo iyo inofadza.

Nyaya yekuverenga: Zvese zvaunoda kuti uzive nezve cheki yebhangi

Kana iwe uine basa iro kubva 9am-17pm, taura nekambani yako nezve kuwedzera chirongwa chepenjeni kana tarisa kuti uone kana uchinge watove nezvakabviswa pazviri. Kubviswa kunotorwa kusati kwasvika kuaccount yako, saka haumbonzwa sekunge uri kutambisa mari. Uye zvakanaka kuti utarise nguva nenguva uye kuona mari yako yawakachengeta ichikura.

Nekuisa mari parutivi yemazuva ekunaya kwemvura uye pamudyandigere, hauzove nemukana wekudzokera kwauri iko zvino: uchishuvira rusununguko rwemari.

Muchidimbu…

rusununguko rwemari inogona kukubatsira kutora mari yako uye, zvakanyanya kukosha, hupenyu hwako. Zviri pamusoro pekurarama mukati mezvaunokwanisa, kuve nekuchengetedza zvishoma, uye kuve nechokwadi chekuti mari inoshandiswa pazvinhu zvaunoda chaizvo sekudya, pekugara, uye kunyangwe mazororo (kuzorora kwakakoshawo, iwe unoziva).

Kutevedzera zano rerusununguko rwemari nechinyorwa ichi, iwe uchawana nhanho imwe padyo nerusununguko rwemari rwaunokodzera. Saka tarisa mari yako, gadzira mamwe mahova emari, bhadhara zvikwereti zvako. Usati wazviziva, unenge wakasununguka.

Nezvese zvinokunetsa, ndisiye mhinduro. Ndinokutendai nekuvimba kwese kwamunoisa mandiri.