Nzira yekuvaka mari yekukurumidzira nemari shoma?

Kuve nemari yakawedzerwa iripo yenjodzi kwakakosha pakugara zvakanaka kwemari yako. Iva nemari inokwana kuti ugone kubhadhara mari yemwedzi mitatu kusvika kumitanhatu ikurudziro yakajairika nokuti anogona kukubatsira zvikuru munguva dzokutambudzika. Kune vanhu vazhinji, idzi mari dzechimbichimbi dzinogona kuwedzera kusvika kunhamba inotyisa - uye inogona kuodza moyo kunyangwe muponesi ane chinangwa chakanaka.

Asi usakanda mapfumo pasi usati watanga! Mutambo wekuchengetedza unonyanya kufunga nezvepfungwa - uye unogona kuukunda. Kunyangwe iwe uchitanga kubva pakutanga, kuisa mari parutivi nguva nenguva, kunyangwe mudiki, zvinozopedzisira zvakubvumidza iwe kuzadzisa chinangwa chako. Zvinongotora nguva uye zvishoma chirango.

Kana wakagadzirira kutanga - uye kunyanya kana iwe uchifunga kuti haugone - heano mamwe mazano angaita kuti kuvaka homwe yako yekukurumidzira kuve nyore.

Nekudaro, kuvaka mari yekukurumidzira hakuna kukwana kuti uve nerusununguko rwemari. Saka, ini ndinokupa yedu yekutanga kudzidziswa iyo zvakare inobvumidza iwe kuti udzidze kuronga kwako pamudyandigere kunyangwe uine mari shoma. Kudzidziswa uku kunoita kuti uzive kuronga bhajeti yemhuri yako, kubvisa kushushikana kwemari nezvimwe zvakawanda. Chero zvazvingava ingodzvanya pane iyi link.

Chii chinonzi emergency fund?

Nhanho yekutanga munzira ndeyekunzwisisa kuti homwe yekukurumidzira chii. Homwe yekukurumidzira imari yawakachengeta nechinangwa chega chekukubatsira kuchengetedza hupenyu hwako hwese kunyangwe paine emergency inokandwa nehupenyu kwauri.

Nguva zhinji, haufanirwe kubata homwe yechimbichimbi zvachose - inongogara ipapo ichiwana mubereko uye yakamirira kusvika wanyatsoida. Paunopererwa nebasa. Kana mudziyo waparara. Kana mota yako ichida kugadziriswa.

Zvinyorwa zvekuverenga: Iwo akasiyana mabhengi masevhisi

Kazhinji, vanhu vasina homwe yekukurumidzira vanoona zano rekuchengetedza mari senzira yekuranga - mushure mezvose, mari inoiswa muakaundi yekuchengetedza uye yakavharwa imari. mari isingagone kushandiswa kurarama?

Iwe haufanirwe kuvhunduka zvachose kana mota yako ikaparara kana iwe ukarasikirwa nebasa rako kana iwe unongoerekana wada kutsiva hita yemvura.

Panzvimbo pekutsvaga nzira yekuisa iyo mari pane kadhi rechikwereti kana kukumbira shamwari yako mari kuti ikubatsire kunze, unogona kungobhadhara bhiri - hapana kunetseka.

Rimwe dambudziko randinowanzonzwa nezvaro nemari yechimbichimbi nderemuyedzo wekuti vanhu vashandise mari pazvinhu zvisiri zvekukurumidza.

Vanoona kuti vaunganidza mazana emadhora ekuchengeta uye vanotanga kufunga nezvekutenga terevhizheni yeflat screen kana kuenda kurwendo - uye ndizvo chaizvo zvavari kuita.

Kana iwe uchida kuve neakaundi yekuchengetera mahombe splurges, zvakanaka - tanga "splurge fund" zvakare, kana zvine musoro kwauri. Zvakakosha, zvisinei, kusiya homwe yekukurumidzira zvachose uri wega kusvika waida.

Donhedza imwe mari imomo uye usatombotarisa pachiyero kusvika paitika emergency chaiyo.

Matanho ekutanga ekugadzira mari yekukurumidzira

Isa chinangwa chako chekutanga pasi

Saka danho rekutanga nderei? Vanhu vazhinji vanoisa chinangwa chikuru chehomwe yavo yekukurumidzira mberi uye vozoona zvakaoma kusvika ikoko. Mwedzi misere yemari yekurarama ivavariro huru, iyo inotora makore kuti isvike - uye munzira, unogona kuora mwoyo.

Pane kudaro, nzira huru yekutanga ndeyekuzviisa iwe pachako chinangwa chine musoro. Ita chinangwa chako chekutanga kuve nehomwe yechimbichimbi chete 250 $ ou 500 $.

Icho chinangwa chaunogona kuzadzisa mumwedzi mishoma chete uye zvakadaro imari inogona kuita mutsauko mukuru kana uine emergency.

Zvadaro, gurai chinangwa ichocho muzvidimbu zviduku. Iwe unogona kukwanisa kuchengetedza 25 $ pavhiki.

Kana zvakadaro, unogona kunge uine homwe yechimbichimbi ye 250 $ mumavhiki gumi chete, saka unogona kuita icho chinangwa chako chose. Pamwe unogona kuisa parutivi 40 $ pavhiki, izvo zvaizounza iwe kune chinangwa che 500 $ mumwedzi mitatu.

Nyaya yekuverenga: Zvese zvaunoda kuti uzive nezvebhangi garandi

Zano rangu nderekuti usaise chirongwa chako chekuchengetedza zvakanyanya pakutanga. Zvingave maererano nemari yaunogona kuchengetedza vhiki yega yega kana huwandu hwese. Izvi zvinofanirwa kukunetsa zvishoma, asi kwete kuve nhamba isingawanikwe.

Wana nzvimbo yako yekufema

Zvakanaka, munofunga, asi ndichawanepi 25 $ pavhiki? Handichakwanisi kuwana chokurarama nacho iye zvino.

Aya ndiwo manzwiro akajairika kubva kune vanhu vachangotanga kushandura mamiriro avo emari. Pane nzira dzakawanda dzekuwana mari yakawedzerwa mwedzi wese. Iwe unotarisa mazano aya: Maitiro ekuita mari online.

Nzira dzekutanga homwe yako yechimbichimbi

Kumbira kuderedzwa kwechiyero pamakadhi ako echikwereti

Kana uine kadhi rechikwereti, kuderedza mubereko wako kuchakuchengetedza mari mwedzi wega wega. Ingo flip kadhi rako rechikwereti, kumbira kutaura kune mutariri, uye ingokumbira kuti muyero uderedzwe. Ipa zano rekuti ufunge nezve kutamisa mari yako kubva pakadhi.

Kutaura pamusoro pazvo, unogona kufunga nezve kuendesa chiyero ichocho pakadhi risina mubereko yekuchinjisa, iyo inogona kukubatsira kubhadhara icho chikwereti nekukurumidza. Tarisa chinyorwa ichi kuti uzive iwe unogona sei pasi rose kuderedza mari yako yebhangi.

Gadzirisa mari yako

Kunze Kwekuona, Kunze Kwepfungwa: Nzira iri nyore yekuchengetedza mari ndeyekusamboibata pakutanga. Vazhinji vashandirwi vanopa yakananga dhipoziti, uye vamwe vanotoisa kune anopfuura imwe account.

Vhura account yakaparadzana chete yehomwe yako yekukurumidzira uye ita kuti mari yako yemupiro iiswe otomatiki, kungave nemushandirwi wako kana bhangi rako.

Shandisa saving account kana imwe mhando yeakaundi yausingakwanisi kuwana zviri nyore, kusiyana nea account yazvino. Mikana yekuti hauzoipotse.

Uye usarambe uchitarisisa chiyero cheakaundi, zvinongoita kuti kukura kuve kudiki uye kunonoka. Kanganwa uye rega nguva iite basa rayo.

Heino gwara rakakwana rekukubatsira kuti udzidze zvakawanda nezvemaakaundi ekubhangi aunogona kugadzira.

Usawedzera mari yako yemwedzi nemwedzi kana kuvhura makadhi matsva echikwereti

Kana kuchengetedza kwangove otomatiki, usakwezvwa nepfungwa yenhema yekuchengetedzwa kwemari uye kurega kushandisa mari kuchikwira zvakare.

Somuenzaniso, kana ukasiya shangu itsva mwedzi woga woga wongoitsiva mwedzi mishoma gare gare netsika itsva yokutenga pamwedzi, hausi kuchengeta zvachose!

Kana uchine 50 $ uyezve mwedzi wega wega, huwandu hwemari yako yekuchengetedza inogona kunge yakaderera. Kana usina 50 $ uyezve, iwe unogona kunge uine kiredhiti kadhi chiyero. Uyewo haina zvibereko.

Iwe haufanirwe kumira kunakidzwa nehupenyu iwe uchivaka yako emergency fund, asi haufanirwe kukanganwa kukosha kwayo zvakare.

Kuve nehomwe yekukurumidzira yakakwana kwakakosha kune hutano hwako hwemari. Iva nechokwadi, asi edza kuzadzisa chinangwa chako chekupedzisira chekuchengetedza nekukurumidza sezvinobvira. Izvozvo zvoga zvaigona kuita kuti upenyu hunakidze zvikuru.

Shandisa runyoro rwekutenga

Maminitsi gumi ekuronga usati waenda anokuchengetedza angangoita maminetsi gumi muchitoro, uye zvichakubatsira kuti urambe wakatarisa pazvinhu zvauri kunyatsoda, nokudaro uchidzikisa girosari yako yegirosari nekuti unoisa zvinhu zvishoma zvisina basa mubhasiketi.

Shandura splurge imwe pamwedzi

Panzvimbo pokuenda kunodhura kudya kwemanheru kamwe chete pamwedzi, shandura chisvusvuro ichocho kuva chikafu chakagadzirirwa kumba. Iwe unozochengetedza zvishoma, kunyangwe iwe uchibika chimwe chinhu chakanyanya mukicheni yako.

Usachengeta zvakawandisa

Kana, zvakanyatsojeka, usashandise mari yako yakawandisa pane yako emergency fund.

Netsanangudzo, homwe yekukurumidzira imari yaunogona kuwana nekukurumidza. Izvi zvinoreva kuti iwe unogona kuzvichengeta mumotokari yakaderera senge savings account iyo inobhadhara mubereko wakaderera zvikuru.

Nechikonzero ichi chete, iwe unofanirwa kumira kupa kune ino account kana wasvika pachinangwa chako chekupedzisira.

Tanga kuisa muakaundi umo ichatanga kuita mari iri yega - zvakanaka maakaundi ako emudyandigere, uko nguva inozoibvumidza kubereka michero yakawanda.

Kana uchinetsekana nekutadza kuzviita sezvandangotsanangura kwauri, saka usanyara zvakare. Heino affiliate link inobvumidza iwe kutenga kudzidziswa uye kuve tenzi wemari yako wega.

Gadzirisa carpool

Tsvaga mumwe munhu anogara padyo newe uye anoshanda kwauri uye tanga kukwira mota pamwe chete.

Kunyangwe iwe uchingogona kuzviita mazuva mashoma pasvondo, iwe unozodzikisa zvakanyanya mari yako yekufambisa, uye zvichave zvakanyanya kuoma kumira kune izvo zvisingafungidzirwe splurges.

Shandisa zvifambiso zvevoruzhinji

Zvichiri nani, pinda mutsika yekushandisa zvifambiso zvevoruzhinji panzendo dzako dzezuva nezuva. Nzvimbo zhinji dzemudhorobha dzine nzira dzakanaka dzinoshamisa dzekufambisa neveruzhinji - uye dzakachipa zvakanyanya pane kutyaira wega.

Enda nebhasikoro

Unoda kutanga kuve muchimiro chiri nani? Iwe unogara kiromita imwe chete kana maviri kubva kubasa kwako? Aya ndiwo mamiriro akanakira kutenga bhasikoro uye wotanga kurishandisa pakufamba pane kutambisa mari yako pagasi uye kugadzirisa mota.

Deredza zvikwereti zvepamwedzi zvisingakoshi

Iwe unonyorera kuNetflix asi usingawanzo kuishandisa? Zvicheke! Iwe unobhadhara here premium cable chiteshi ausingamboona? Zvicheke!

Snowflake

Kazhinji, vanhu pavanogamuchira mari yavasingatarisiri, vanowanzoipedza vasingafungi nezvazvo. Vanosarudza kusamira kofi, asi vozosarudza kuipedza gare gare pakutora, semuenzaniso.

Panzvimbo pekushandisa iyi "yakawana mari", tora imwe kana yese wobva waisa muhomwe yako yekukurumidzira. Kana uine mabasa online banking, zviri nyore: ingozvitamisa kubva kuaccount yako yazvino.

Chinokosha apa ndechekuchengetedza izvo zvakachengetwa. Panzvimbo pekungoshandisa mari pane chimwe chinhu, isa iyo mari parutivi muhomwe yako yekukurumidzira.

Kana iwe ukaona kuti iwe unochengeta kupfuura 50 $ pavhiki nemaitiro aya, isa zvakawanda muhomwe yechimbichimbi kana kuwedzera mari yaunoisa mumari yako yawakachengeta.

Ita otomatiki

Saka wadzikisa mari yako ne 50 $ pasvondo, asi ikozvino une mari iyoyo ipapo uye iri kuyedza kuishandisa pane chimwe chinhu chinonakidza kupfuura homwe yekukurumidzira. Unoedzwa...

…asi haufanirwe kuedzwa. Pane kudaro, iwe unogona kuseta otomatiki yekuchengetedza hurongwa hwekutsvaira iyo mari kubva muaccount yako yekutarisa uye muakaundi yako yekuchengetedza yaunoshandisa kune emergency homwe.

Kana usati watoita, ndinokurudzira kumisikidza online saving account kune rimwe bhanga rakasiyana kubva kune raunowanzo kuita bhizinesi nehomwe yako yekukurumidzira.

Kuita izvi hakungobvumiri iwe kutsvaga bhangi rine basa rakanaka uye mitengo yakanaka ye savings account , asi zvinokutungamirira kuti uise mari munzvimbo isiri nyore kuwana.

Iwe haugone kungomhanyira kuATM kana kumira paATM wobvisa mari - unofanirwa kuenda pakombuta yako, woraira kuchinjisa uye kumirira zuva kana maviri kuti uwane mari, inova nguva inokwana kuti iwe ufunge. uchenjere pamusoro pezvauri kuita uye kuti urege kutorwa nechisimba.

Isa nhanho dzinonzwisisika munzira

Mumwedzi mishoma, iwe ucharova iyo yekutanga chiitiko - uye iwe uchanzwa zvakanaka. Iyi account ichange iine mari yakakwana kuti utange kuwana mubereko uye unozotanga kunzwa kutonga.

Iye zvino ndiyo nguva yekuenderera mberi. Isa chimwe chinangwa : homwe yechimbichimbi ye $ 1. Chengetedza chirongwa ichi chekuchengetedza otomatiki chiri panzvimbo.

Kana chinangwa ichi chasvika, vavarira mwedzi mumwechete wemari yekurarama. Ipapo mwedzi miviri. Zvadaro vatatu. Uye ramba uchiona homwe iyi yekukurumidzira ichikura.

Zviripachena, kana iwe uchiita izvo mune emergency, rova ​​iyo homwe. Usaise bhiri rako rekugadzirisa motokari pakadhi rechikwereti.

Usatange kurarama nepurasitiki iwe uri pakati pemabasa. Pane kudaro, ramba uchirarama hupenyu hwakagadzikana mune zvemari kuburikidza nekuronga kwako mberi.

Muchidimbu…

Unogona kuona kuti zvinonakidza zvikuru - saka unogona kutanga kutsvaga dzimwe nzira dzekuchengetedza. Ramba uchingozvimisira zvinangwa uye ramba uchizvisunda zvishoma kuti usvike ikoko.

Usati wazviziva, hupenyu hwako haukanganiswe nerudzi urwu rwechimbichimbi - uye unorara zvirinani husiku uchiziva izvi. Kune zvimwe zvese zviwanikwa zvekukubatsira iwe kubata zvirinani mari dzako, ingotarisa shop yedu.

Tisiye mhinduro