16 Mari Inotonga Mukadzi wese Anofanirwa Kuziva Nezera 30

Zvemukati

• Shandisa App
• Tevera iyo 50-20-30 Rule
• Pinda muzvinhu zvidiki
• Funga Nezveramangwana Rako
• Usambofa Washandisa Imwe $ 5 Bhiri
• Ita Iite Otomatiki
• Rwisa
• Vakai $1,500 "Walk Away" Fund
• Ziva Nhamba Yako
• Namira kune Chimwe Chidimbu chePurasitiki
• Iva Nostalgic
• Rega Kutya Stock Market
• Tevera Mitemo mitatu Yekutenga
• Usakanganwa Kuchengeta
• Rent Iyo Smart Way
• Kumbira Kukwidziridzwa
• Ongororo ye

Iwe unoburitsa mari uye swipe kadhi rechikwereti zuva nezuva, asi mari inogona kuramba iri taboo musoro. "Sezvo mari yemunhu isingadzidziswe muzvikoro zvakawanda, vazhinji vedu hatimbodzidzi chero chinhu pamusoro pemari tisati tanyura mukuibata," anodaro Alexa von Tobel, muvambi uye CEO weLearnVest, webhusaiti yekuronga zvemari. Uye ndiyo nzira yenjodzi yemari. Tevedza iyi yakakosha mitemo kuti uite mari yako ikushandire iwe, chero pazera.

Shandisa App

Kufunga

Kuteedzera mari yako ndiro danho rekutanga kuti uwane mari yako nenzira, anodaro von Tobel. "Sekungochengeta dhayari rekudya kunobatsira kuti urambe uchitevedza kudya, kutemera mari yako kuchakubatsira kuramba uri mugwara mune zvemari," anodaro. Kutanga neyemari-inoshandisa app seLearnVest. Ichabatanidza neakaundi yako yekubhangi uye kukupa hwindo rekushandisa kwako. Iwe unogona kuseta bhajeti kuti uone nekukurumidza kuti mari yako inomira sei inopesana nezvinangwa zvako. Iwe unogona kushamisika kuti yakawanda sei inoita kunge madiki madhiri (ehe, iwo madhora maviri emadhora ATM!) Anogona kuwedzera.

Tevera iyo 50-20-30 Rule

Kufunga

Govanisa yako yekuenda nayo kumba (yasara mushure memitero) muzvikamu zvitatu, anodaro von Tobel: zvakakosha, mararamiro, uye ramangwana. Makumi mashanu kubva muzana ezvaunounza kumba zvinofanirwa kuenda kune hwehupenyu hunofanirwa-hune-denga pamusoro pemusoro wako, grocery, zvinoshandiswa, uye zvekufambisa. Tumira makumi maviri muzana kuakaundi yekuchengeta kana homwe yeretirement (zvimwe pane izvozvo gare gare!), uye usapfuure makumi matatu muzana kubhajeti yako yemararamiro: kutenga, kufamba, kuve nhengo yejimu, uye mafaro ese. [Tita matipi aya!]

Pinda muzvinhu zvidiki

Kufunga

Usadhonze yako kofi inomhanya tsika yekuchengetedza mari kana iwe uchitarisira kwazviri: Sekudya kwenzara kusinga chengetedze huremu mukufamba kwenguva, kucheka chimwe chinhu chaunofarira kushandisa mari pazvinogona kudzoka, anodaro Sharon Kedar, munyori ye Pamakumbo Angu Pachangu: Gwaro reMusikana Wemazuva Ano Kumari Yemunhu. Ingozvifarira zvinoenderana: Nyora zvinhu zvekutandara kana zviitiko zvauri kushandisa mari pazviri uye udzore pane yaunoda (uye kubatsirwa kubva) zvishoma. (Kana iwe ukaenda kunzvimbo yekurovedza muviri kamwe pavhiki, asi uchida kumhanya kunze, unogona kudzima nhengo iyoyo.)

Funga Nezveramangwana Rako

Kufunga

Iwe unogona kunge usiri kufunga nezve 60s yako mune yako 20s-asi iwe unofanirwa. Muchokwadi, kuchengetedza ramangwana rako risina basa nderimwe remasarudzo akakosha ezvemari chingangoitwa ne20-chimwe chinhu, anodaro von Tobel. Zviite nemazvo nekutanga nezvakakosha. Mazhinji makambani anopa 401 (k) kana 403 (B) chirongwa. Nyoresa uye uve nechokwadi chekutarisa inoenderana chirongwa - ndeyechokwadi yemahara mari. Imwe sarudzo: Roth IRA, kwaunoisa mushure-mutero madhora. "Kana yasvika nguva yekuenda pamudyandigere, unogona kubvisa mutero usingabhadhari," von Tobel anodaro. Chekupedzisira, account yechinyakare brokerage isarudzo yakanaka kana iwe uchinge waburitsa yako 401 (k) uye maRAA maakaundi, anowedzera Kedar.

Usambofa Washandisa Imwe $ 5 Bhiri

Kufunga

Kuchengetedza mari hakusi nyore: 76 muzana yevaAmerican vari kurarama mubhadharo kubhadhara, maererano neongororo ya2013 neBankRate.com. Asi nzira iri nyore yekukanda mari mubhengi renguruve inogona kusanganisira chairo piggy bank. "Pese paunosangana nemadhora mashanu muhomwe yako, uikandire muhari pane kuishandisa," von Tobel anodaro. [Tweet iyi tip!] Paunofunga kuti unoda chipfeko chitsva kana kuti mhepo inofefetera inobuda, unenge uine imwe mari yekuderedza kurova.

Ita Iite Otomatiki

Kufunga

Kwete kuona panyama kuri kuenda mari yako (ahem, makadhi echikwereti) inogona kuva chepfu yekuchengetedza zvirongwa. Asi dzimwe nguva zvinobatsira: Kushandisa kuchengetedza kwako kunogona kureva moolah yakakura nekufamba kwenguva. Rongedza kuchinjisa pamwedzi kwechikamu chegumi nemashanu kusvika makumi maviri muzana yemubhadharo wega wega, von Tobel anoratidza.

Rwisa

Kufunga

Zvidzidzo zvakaratidza nguva nenguva kuti mari inotungamira mukurwa mumichato, kurambana, uye kushushikana kwehupenyu hwese. Asi kuita nharo pamusoro pemari kuri nani pane kusava nemari zvachose-uye zvirinani pane kusambotaura nyaya iyi, anodaro Kedar. Iwe unofanirwa kuziva zvibodzwa zvechikwereti zveumwe neumwe, mihoro, uye chero zvikwereti. (Nezve hurukuro isina tsarukano, edza iyi yemibvunzo yekuenderana nemari kubva mubhuku raKedari Wana Mari Wakashama kuti uone kuti iwe neumwe wako mashandisirwo emafilosofi anoenderana sei.)

Vakai $1,500 "Walk Away" Fund

Kufunga

"Kana ukazomboda kusiya basa rako, imba yako, kana mumwe wako, chero chikonzero, izvi zvinokuisa mune chinzvimbo chemasimba," anodaro Kedar. Nokufamba kwenguva, unofanira kuvavarira kuva nemari yakakwana yemwedzi mitatu kusvika mitanhatu yekurarama.

Ziva Nhamba Yako

Kufunga

Fess up: Iwe unoziva yako kiredhiti mamaki? Kunze kwekuziviswa nezve chinzvimbo chechikwereti chako, kuziva nhamba yako kuchakuchengetedza mune chiuno chemakadhi asina kunaka akavhurwa muzita rako (senge yakasarudzika Banana Republic kadhi). [Tweet this!] Kana iwe ukaona mamaki ako ari kudivi rezasi (iwe unofanirwa kunanga pamusoro pe760), igadzirise nekutanga kubhadhara pasi kiredhiti kadhi rako rechikwereti, kunyangwe iri $ 50 pamwedzi, anodaro von Tobel. Chengetedza zvibodzwa zvako zvakakwirira nekusambopotsa mubhadharo kana bhiri, uye kana wakanonoka kubhadhara, fonera mukweretesi wako kuti akukumbire kuti mari yekupedzisira ibviswe. Kana mukweretesi akabvuma, yako kiredhiti mamaki angangokwira.

Namira kune Chimwe Chidimbu chePurasitiki

Kufunga

Zvakanakisisa kuva nekadhi rimwe rechikwereti raunoshandisa uye rimwe rezviitiko zvekukurumidzira, anodaro Kedar, pamwe nekadhi rekubhadhara rekubvisa mari. Makadhi mashoma anogona kukubatsira kunamatira kune bhajeti, sezvo makadhi akawandisa iwe, iyo yakawanda mari yaungangoshandisa, anodaro.

Iva Nostalgic

Kufunga

Kana iwe uri pane yekudzima spree, ita shuwa yekuchengeta yako yekare kadhi kutenderedza. Kuenderera mberi uchidzosa nhoroondo yako yechikwereti inoenda, zvirinani zvibodzwa zvako, anodaro Kedar.

Rega Kutya Stock Market

Kufunga

Yakareba-makore (mashanu kana anopfuura makore), iwo musika wekutengesa wakagara wakaita zvakanaka, anodaro Kedar. Saka kana uine mari yekudyara (inofanira kunge iri pasi pe5 muzana yemari yako yakakosha uye mari yausingazode mukati memakore mashanu anotevera), enda nazvo. Hameno pekutangira? Kedar inopa zano rekudyara muhomwe ye index, yakadai seS&P 500, inova tswanda yemasheya inokupa chidimbu chidiki chemuridzi mumakambani makuru anotengeswa pachena muU.S.

Tevera Mitemo mitatu Yekutenga

Kufunga

Usatenge imba kunze kwekunge iwe uchizogaramo kweanopfuura makore mashanu. Iyi nguva inodzikisira mukana wekukosha kwemba yako kudzikira, kuti usarasikirwe nemari kana uchinge watengesa, anodaro Kedar. Iva nechokwadi chokuti une mari yakakwana ye20-percent yekubhadhara pasi. Uye chengetedza chikwereti chako chiri nyore: Kedar inokurudzira makore makumi matatu emubhadharo wakagadziriswa.

Usakanganwa Kuchengeta

Kufunga

Zvinotora zvikamu zvitatu kubva muzana zvemutengo wekutenga imba kuchengetedza imba pagore, anodaro Kedar. Saka kana iwe ukashandisa $ 200,000 paimba, tarisira kubhadhara anenge madhora zviuru zvitanhatu pagore mukuchengetedza.

Rent Iyo Smart Way

Kufunga

Kunyorera muridzi wemba yako cheki mwedzi wega wega hakusi kurasa mari, anodaro Kedar. Muchokwadi, inogona kunge iri nzira yekuchengetera kana usina zvakakwana zvekutenga. Ingo gara uchiziva kuti mari inoenderana nedzimba inofanirwa kungove chete 25 muzana yemari yako. (Kana ukaita $50,000, vavarira kushandisa mari inosvika $12,500 parendi yako yegore.)

Kumbira Kukwidziridzwa

Kufunga

Vazhinji vakadzi havadaro, anodaro Kedar. Zvidzidzo zvakawana kuti 20 muzana yevakadzi vakuru vanoti havambotauri nezvemuhoro zvachose, kunyangwe pazvingave zvakakodzera. Uye kunyange kana vakadzi vakataurirana, havakumbire zvakawanda: 30 muzana pasi pevezera revarume. Kugadzirira musangano mukuru? Ita shuwa yekusimbisa mipiro yako uye kuzvipira kukambani yako, inoratidza Kedar.

Ongororo ye