Nzira yekuderedza kushushikana kwemari yako

Ko buri muhomwe yako ringaite buri mumazamu ako? Mhinduro ndeyekushushikana. Kushushikana kwemari kunokanganisa zvakanyanya kupfuura chikwama chako. Inogona kuita ripple pahutano hwako uye hukama hwako nevamwe. Hapana imwe nzira iyo pfungwa dzedu dzinogona kushandura mashandiro emuviri wedu kamwe kamwe uye nesimba rakadaro.

kushushikana kunoita basa bazi repamusoro remauto echitunha chako, rakanyatsodzidziswa kutora matanho ekukurumidzira mukupindura kutyisidzira kukuru. Uropi hwako pahwangonzwa njodzi, inoenda mukurwa kana kubhururuka. Inotumira mirairo kune kunze kweadrenal uye pituitary glands kuunganidza mahomoni adrenaline uye cortisol.

Izvi zvinotumira zvinosimbisa kunzvimbo dzakasiyana dzemuviri kuti uwedzere BP, kurova kwemwoyo uye simba kuitira kuti ugone kurwa kana kutiza nesimba rose raungawana muviri wako. Munguva yedambudziko, kushushikana kunotisundidzira kuti tiite kuponesa hupenyu kana kusangana nenguva yakakosha.

Asi dai waizodaidza kushushikana muhondo mazuva ese, muviri wako waizonzwa mhedzisiro yacho. Kushungurudzika kwenguva refu kunowedzera njodzi yako yekurwadziwa kwemoyo, chirwere cheshuga, kurasikirwa nebvudzi, kuora mwoyo uye chirwere chemazino.

Zvakanaka, saka kunzwa kuti kushushikana kunogona kuita kuti zvinhu zvinyanye hazvina kunaka. Nhau dzakanaka ndedzekuti nguva uye kuita nemaune zvinogona panguva imwe chete kuvandudza mamiriro ako emari uye kukusunungura kubva mukubata kwekushushikana.

Muchikamu chino, tichabata nzira gumi dzekuita izvozvo chaizvo. Isu tinotanga nekubvisa mamwe maroadblocks epfungwa ayo arikuita kuti urambe uchinetseka mune zvemari. Asi usati watanga, heino maitiro ekuvandudza mwero wekushandura muchitoro chako che online.

???? Zvipingamupinyi Zvepfungwa zveKushushikana Kwemari

1. Tanga nekuderedza zvisarudzo zvako

Zviri nyore kurega kutya kuita sarudzo isiriyo kukutadzisa kuita sarudzo. Zvichida une mari shoma yekuisa mari, kana kuti unonetseka nekutenga kukuru. Dzimwe nguva haugone kusarudza kuti chii chinonyanya kukosha. Kana watarisana nezvakawanda zvemikana rangarira izvi: haufanirwe kuita sarudzo "yakarurama", asi sarudzo yakakwana. Haufanire kuita sarudzo “yekupedzisira”. Iwe unongofanira kuita sarudzo, sarudzo yekuita.

Pane maturusi ekukubatsira uye tiri kuzokuratidza iwo kwauri. Asi chekutanga, ngatitarisei chimwe chipingamupinyi chepfungwa chinogona kukuita kuti urambe uchinetseka mune zvemari. Zvadaro dzidza kurega mafungiro ako ekukundwa.

2. Rega mafungiro ako asina tariro

Le deuxième obstacle mental qui entraine le stress financier est le pessimisme. Si la peur de faire les « mauvais » choix concernant vos finances vous a laissé dans l’indécision, imaginez ce que doivent ressentir les gens qui pensent ne pas avoir le choix du tout. L’idée d’abandonner votre attitude pessimiste est de trouver un moyen de croire que d’une manière ou d’une autre, même dans les circonstances les plus intenables, il y a de l’espoir.

Masangano akadai America Inoponesa iripo kuti ikubatsire kuwana tariro iyoyo. Zvinhu zvakapfava zvakaita sekugadzira runyoro rwekutenda kana kuzviona usina kushushikana kwemari zvinogona zvakare kukubatsira kuti unzwe uine tariro.

Iye zvino zvauri kunzwa uchitsiga uye usingakundiki, wave kutogadzirira kugashira nzira dzinoshanda dzekuderedza kushushikana kwemari. Asi kutanga, ngatikurukurei kuti tingakunda sei chimwe chipingamupinyi chepfungwa chokuderedza kushushikana kwemari. Ndiri kutaura nezvehupenyu hwako.

3. Rega kukwasva mumatenderedzwa

Kushanda pamwe chete kuchabatsira kuchengetedza chikepe chako chemari (uye kukuchengetedza kushushikana kwakawanda!). Kushanda pamwe chete kuchabatsira kuchengetedza chikepe chako chemari (uye kukuchengetedza kushushikana kwakawanda!).

Kana iri nyaya yezvemari, fungidzira mhuri imwe neimwe sechikepe. Kana uri wega, unotofanira kudhonza huremu hwako kuti usvike kwaunoda kuenda. Kana uine mhuri yekutsigira, rwendo rwako runogona kuva nyore kana kuti rwakanyanya kuoma zvichienderana nekuti vakwasvi vako vari kukwasva pamwe chete here kana kuti kwete.

Tora muenzaniso wevakaroorana vanofungidzira Faustin naFaustina. Faustine, ane mukurumbira wakashata wekushandisa mari, anoongorora mapepa ekushambadzira uye anotsiura Faustine nekubhadhara $0,50 inodarika sipo inodiwa. "Asi ndingadai ndakaenda kuzvitoro zviviri kuti ndiwane mutero uyu!" »Faustin kuratidzira, kushushikana.

Kunyangwe muhukama umo vakaroorana vari pane imwechete peji rezvemari, misiyano mune zvekutanga (anoda kuendesa vana kuchikoro chakazvimiririra; mumwe wake anoda kuchengetedza kukoreji) anogona kushandura chikepe. Kuti chikepe chienderere mberi, vanobatana vanofanira kudzidza kutaurirana uye kukwasva pamwe chete.

???? Zvishandiso zvekugadzirisa kushushikana kwemari

4. Seta bhajeti yako uye urambe wakamira kwairi

Iye zvino zvawabvisa zvimwe zvipingamupinyi zvepfungwa izvo zviri kuita kuti urambe uchinetseka mune zvemari, wagadzirira kudzidza nezvemhinduro chaidzo dzekunetseka kwemari. Pane misimboti ina yekuvandudza hupenyu hwako hwemari: namatira kune bhajeti, kuderedza kushandisa, kuderedza chikwereti, uye kutanga kuchengetedza.

Budgeting haisi rocket science. Mune mazwi akareruka, iwe unoisa mari yako pamusoro pe peji uye kupfuura iyo iwe unobvisa mari yako. Mari yasara ndiyo yaunogona kushandisa pane zvimwe zvinhu, sekuderedza chikwereti uye kuwedzera mari.

Nyaya yekuverenga: Nzira yekudzivirira sei mari yebhangi yakakwirira?

Kuve nebhajeti rakanyorwa kunokupa chivimbo mune yako pachako hurongwa hwemari. Izvo zvinogona zvakare kukubatsira zvakanyanya kuderedza nhanho yako yekushushikana kwemari. Kune chaiwo mazana emaapps uye maturusi aunogona kushandisa kugadzira bhajeti. Heano emahara epamhepo bhajeti masaiti uye zvemari networking maturusi aunogona kushandisa Mint.com, Geezeo.com, uye Wesabe.com.

Zvisinei, kunyange vanhu vanoziva kuti bhajeti inokosha vanogona kuzviwana vachitsvedza, pane kuomerera kune bhajeti. Hazviiti bedzi kuti ndyiko dzisingakarirwi—kugadziridza motokari, kukwidzwa kwemitengo, uye miripo yeCub—inotishatisa; isu tinogona zvakare kutsauswa nezvinhu zvinonakidza sekukoka kwekudya kwemanheru, gomba rinomira paStarbucks, uye "two-for-one" kutengesa pazvinhu zvatingade kana kusada.

5: Deredza mari yako

Kuderedza zvaunoshandisa kunoderedza kushushikana kwemari. Pakuronga bhajeti, unogona kuburitsa chokwadi chisingadikanwi nezvemamiriro ako emari. Sezvineiwo, hunyanzvi hwawakadzidza kukunda zvipingamupinyi zvepfungwa zvinoita kuti urambe uchinetseka mune zvemari huchauya zvakanaka paunenge uchifamba nematambudziko anogona kuunza bhajeti. Kana bhajeti rako richiratidza kuti une mwedzi yakawanda kupfuura mari, mhinduro ndeyekuderedza kushandisa.

Nemafungiro akanaka, kuderedza mari kunogona kunakidza. Itai mutambo. Bvumira wechidiki Faustine kuti ave neyake smartphone - kana akawana basa neMugovera kuti abhadhare bhiri. Kamura girosari rondedzero uye patsanura mhuri kuti uone kuti ndiani angawana yakanakisa dhiri.

Kune zvakare zvemahara zvepamhepo zvekukubatsira kuchengetedza. Tozotaura nezvazvo gare gare. Nehungwaru hushoma uye nemafungiro ane tariro, unogona uye uchabudirira mukudzikisa mari yako, zvichikusiya uine mari yakawanda pakupera kwemwedzi yekushandisa pane zvimwe zvakakosha zvekuronga mari.

6: Bvisa zvikwereti zvako

Nepo kubvisa chikwereti, pamudyandigere, uye kuchengetedza kwechimbichimbi zvese zvakakosha kuti ubvise kushushikana kwemari, kubvisa chikwereti kunofanira kunge kuri kwekutanga kwako. Mamwe marudzi echikwereti (zvikwereti, zvikwereti zvevadzidzi, zvichingodaro) zvinogona chaizvo kuva zvakanaka mupfungwa yekuti zvinokubatsira kuvaka kiredhiti yako.

Kana iwe uine chikwereti chakanakisisa uye uchinzwa kuti zvikwereti zvako zvakanyanyisa pane chikwereti chako "chakanaka", unogona kukwanisa kuderedza mari nekungogadzirisa zvikwereti zvako "zvakanaka" kuderedza mitengo.

Kana zvasvika kune "yakaipa" chikwereti - chinotenderera chikwereti kana kadhi rechikwereti - zvisinei, mhinduro chete ndeyokubhadhara iyo nokukurumidza sezvinobvira. Heano mamwe matipi ekumhanyisa kudzikisa chikwereti:

• Batanidza zviyero zve kadhi rechikwereti pakadhi rakachipa rinobvira
• Gara uchibhadhara kupfuura mari shoma yasara.
• Kana iwe uchibhadhara kadhi rinopfuura rimwe, gara uchibhadhara iyo yakawanda inokwanisika mari pane kadhi nayo mubereko wepamusoro.

Kana wapedza chikwereti chako, unopedzisira wawana imwe mari pakupera kwemwedzi. Tinozotaura nezve nzira dzekuchengetedza mari.

7: Matanho Ekuchengetedza Retirement

Kunyatsotarisa pane zvaunosarudza zvekurega basa uye kuisa mari zvine hungwaru kunogona kukupa rugare rwepfungwa rwemari.

Kana iwe usingakwanisi kusarudza kuti ungaisa sei mari yaunoisa muakaunti yako, funga kuichengeta muhomwe yakanangwa yemudyandigere. Iwe unoudza mari iyi gore raunoronga kuenda pamudyandigere uye homwe inosarudza musanganiswa wemasheya nemabhondi izvo zvinokupa kudzoka kwakanakisa nenjodzi diki zvichienderana nekuti inguvai yaunayo kusvika zuva rako rekurega basa.

Iye zvino zvawachinja maitiro ako uye wagona izvo zvekutanga, iwe unofanirwa kunzwa kushomeka uye zvakanyanya mukutonga kwemari yako. Panguva ino, yave nguva yekunakidzwa zvishoma. Isu tinozotaura nezve nzira dzekuvandudza chikwereti chako.

8: Anogona kusvika kupi? Gadzirisa zvibodzwa zvako zvechikwereti

Kana chikwereti chako chiri kukushungurudza, chishandure kuita mutambo, nenzira imwechete yawakashandura kudhura kuita chiitiko chemhuri chinonakidza. Uye tichitaura nezve mari yekuchengetedza, takambotaura nezve emahara online maturusi ekukubatsira kuchengetedza.

Kuwana chibodzwa chechikwereti chakaderera ibasa refu uye rakaoma rekubhadhara mabhiri ako nenguva, kuvaka kuenzana, uye kubhadhara chikwereti. Zvinotora makore uye kune mashoma mapfupi. Nekudaro, pane zvinhu zvinoverengeka zvaunogona kuita kuti uvandudze chikoro chako.

9: Sevha mambure uye chengetedza

MaSaiti akaita seBillshrink.com anoshamisa, zviwanikwa zvemahara zvine akawanda ekuchengetedza mari uye matipi ekuchengetedza mutengo.

Unoyeuka here Faustine kubva kune vedu fungidziro vaviri Faustin naFaustine? Pane kuti atarise mapepa ezvitoro angadai akangochengeta mapeni (angadai akapiswa nekuenda kuchitoro chechipiri kunotenga), Faustine angaita zvakanaka kuongorora mamwe emasaiti matsva. kuderedza mutengo uye kuenzanisa mutengo painternet.

MaSaiti akadai sebillshrink.com, billeater.com uye validas.com ndeemahara emahara ekuenzanisa injini dzekutsvaga dzinokuchengetedza mari. Iwe unoisa ruzivo rwezvaunoshandisa papeturu, mabhiri enharembozha, TV sevhisi, makadhi echikwereti, zvekushandisa, inishuwarenzi, uye zvimwe zvakawanda zvinobatika, uye nzvimbo idzi dzinopa dzimwe nzira dzinogona kukuchengetedza mari.

Semuenzaniso, kana iwe ukaudza Billshrink kuti unobhadhara $3,65 galoni yepeturu paStation X paY Road, sevhisi inokuzivisa iwe kana paine gasi rakachipa pedyo.

Nyaya yekuverenga: Ungasarudza sei kadhi rako rebhangi?

MaSaiti akaita seBillshrink haakubhadharire chero chinhu uye anobvisa kushushikana kubva mumutengo wekuenzanisa nekuita yakawanda yenguva-inopedza tsvakiridzo kwauri. Kuziva kuti uri kuchengetedza mari kunokupa chivimbo mukutenga kwaunoita, izvo zvinotisvitsa kune yedu nhamba yekutanga zano rekudzikisa kushushikana uye kuchengetedza mari. Makuponi anouya anotevera.

10: Makuponi, Makuponi ane mbiri!

Ngano inoti muridzi weCoca-Cola Company Asa Candler akagadzira kopani rekutanga pasi rose nekunyora matikiti echinwiwa chemahara cheCoca-Cola muna 1887. Kubva ipapo, Coupons vave musimboti wehupenyu hwemutengi weAmerica.

Ivo zvino vari pese painternet nemasaiti seCoupon Sherpa uye maapplication efoni sePushpin. Iwe haufanirwe kuve "Extreme Coupon" kuti unakirwe nemabhenefiti emakuponi. Heano mamwe matipi ekusimbisa-isina couponing:

Dzidza chinangwa: coupon "stackable" nderimwe raunogona kushandisa chinopihwa nemugadziri kuwedzera kune chitoro. Kuponi "kaviri" mamiriro ezvinhu apo chitoro chinopeta kaviri kukosha kwekhuponi pane rimwe zuva kana nguva.

Iva akarongeka: nharembozha senge Pushpin ronga uye chengetedza makuponi ako kwauri. Kune mavhocha echinyakare emapepa, unotoda kuaronga wega nemazuva uye netaipa kuti asapere nguva usati waashandisa.

Tenga zvaunoda chete: kutengeserana hakuna kutapira kana iyo shampoo-ye-imwe iri kuunganidza guruva mu cabinet yako mwedzi mushure mekunge waitenga. Cheka makuponi emhando uye zvigadzirwa zvaunoshandisa chaizvo.