Mari-Kuchengetedza Matipi Ekutora Fiscally Kukodzera

Zvemukati

• Ongororo ye

Ita iri gore iro raunowana pamusoro pe- kana kunyangwe pamberi-pemari yako. “Gore idzva haringorevi kutanga patsva kwekufananidzira, asi zvinorevawo kutenderera kutsva kwemari maererano nezviri pamutemo nemakambani, izvo zvinokupa mukana unobatika wekutora matanho matsva ekuti mari yako ifambe,” inodaro nyanzvi munyaya dzezvemari. Pamela Yellen, munyori we BANK PAMWE PAMWE REVOLUTION. Nzira yakanakisa yekurova zvinhu zvako kuita chimiro? Dzivisa izvo Yellen anodaidzwa kuti "slacker goal setting": zvibodzwa zvisina kujeka, zvisina kujeka sekuti "Ndinoda kuchengetedza zvakawanda" kana "Ndinoda kushandisa mari shoma." Panzvimbo iyoyo ita yakanyanya kutaurwa, inonzwisisika mari zvibodzwa-senge zvakatsanangurwa pano. Wakagadzirira kusimbisa yako yepasi mutsara? Verenga pamusoro. (Wobva watarisa iyi 16 Mari Mitemo Mukadzi wese Anofanirwa Kuziva Nezera 30.)

Wana Ramangwana Remari

Isu tose tinofanira kuziva ikozvino kutarisira zvisingatarisirwi, handizvo? Vazhinji vedu, zvakadaro, havana kugadzirira mari kune izvo zvingangosanganise. Kana iwe usina imwe kare, gadzira inonaya zuva homwe. Sock kure zvakanyanya sezvaunogona kuti uve nechokwadi chekuti iwe unayo mari inowanikwa mune zvinhu zvakaita sekurapwa kwekukurumidzira kana chikuru kugadzirisa imba.

Unofanira kubvisa marii? Yellen anopa zano rekushandisa iyo 40/30/20/10 Saving Rule. "Chaizvoizvo, izvi zvinoreva kuisa zvikamu makumi mana kubva muzana zvemari yaunowana pakushandisa mari, makumi matatu kubva muzana kuitira kuchengetedza kwenguva pfupi (zvinhu zvaungangoda mumwedzi mitanhatu inotevera kusvika pagore, senge zororo, mitero, kana fanicha nyowani), makumi maviri muzana kuchengetedza kwenguva refu (homwe yako yekukurumidzira), uye 10 muzana inoshandura mari yekushandisa kune "zvavanoda" (sezviya zvitsva zveku-fa-for clutch!) Bvisa karukureta uye uone kuti imarii kubva pamubhadharo wega wega unoenda kupi, wobva wazvipira. kugovera mari yako yemwedzi nemwedzi zvinoenderana nemwedzi wega wega, anodaro Yellen.

Pisa Chikwereti

Kuzvidya mwoyo kwechikwereti hakunzvengeki. Inogara iripo, zvisinei kuti iwe unoregeredza sei, ichikudya iwe-uye rusununguko rwako rwemari.Iwe hauzombove uri pamusoro pemari yako kunze kwekunge wabuda mune tsvuku uye mutema. Saka bvisa chikwereti chako nekutanga kubhadhara zvinopfuura zvishoma pakubhadhara kadhi rako rechikwereti. Nekungowedzera mubhadharo wemwedzi wega we $ 37 kusvika $ 47 pamwedzi pamadhora chiuru nemazana mashanu emadhora, unogona kuchengetedza pamusoro pe $ 1,200 mubhadharo mubhadharo uye kubhadhara chikwereti chako makore anoda kusvika gumi nekukurumidza.

Simbisa Budget Yako

Hapanazve kushandisa mari willy nilly. Tevedzera mashandisiro ako uye gadzira chaiyo bhajeti zviri nyore neaccount paMint.com. Zvakare, isa zvinokurudzira uye mhedzisiro yekushandisa uye kuchengetedza yako mari. Kumisikidza chinangwa chekuchengetedza paGoalPay.com kunogona kubatsira kuti urambe uchizvidavirira, nekuti shamwari dzako nemhuri vanogona kunyatso kuvimbisa mari yaunowana kana iwe ukazadzisa chinangwa chako.

Kuve nenguva yakaoma kurarama mukati meyako mari? Tarisa pane zvese zvinodhura uye ona nzira yekuicheka-unze kudya kwemasikati kuti ushande pane kuitenga, sarudza dhizaini lip gloss pachinzvimbo chedhipatimendi rezvitoro, uye usiyane netsika yako yeStarbucks. (Tarisa uone yedu Sevha vs. Splurge: Zvipfeko zveWorkout neGear kuti uone zvakakosha pamari hombe.) Uye Yeller anoratidza kuti iwe unogona zvakare kugara uchizvidavirira nekuunza vanhu muchikepe newe. "Ivai nemusangano wemhuri wemari pamwedzi pazuva rimwe chete mwedzi wega wega, kana sarudza shamwari kana nhengo yemhuri yaunogovana navo zvinangwa zvako wozvipira kumhan'ara kufambira mberi kwako kwavari," anodaro.

Tonesa Mari Yako Yekurega

Vanamai, inguva yakakwira kuti muongorore hurongwa hwenyu hwekurega basa. Shandisa retirement calculator, senge iyi paBankrate.com, kuti uone kana iwe uri munzira yekuve nenguva yakakwana yekuuya pamudyandigere. Tarisa pamwe nemupi wezano wezvemari wechirongwa chako kuti uve nechokwadi chekuti kugoverwa kweasiti yako (mari yako inoiswa sei) inokodzera zvinangwa zvako. Zvakare, ita shuwa kuti uongorore chimiro chemubhadharo cheyako 401 (k). "Kune mari zhinji yakavanzwa, uye iwe unoda kuve nechokwadi kuti unoziva kuti chirongwa chako chiri kushanda zvakadii pane zvaunoda," anodaro Yellen.

Shanda Kunze Chikwama Chako

“Ita chitsidzo chekufunga usati washandisa mari,” anodaro Yellen. "Dzidza mutsauko pakati pechido uye chekuda kuitira kuti urege kumhanyisa chikwereti kutenga zvinhu zvisingaite zvaunoda chaizvo." Panzvimbo pekuisa pfungwa pakushandisa mari, tarisa pane kuchengetedza-kana iwe ukatanga kubvarura gumi muzana kubva pamubhadharo wega wega kuti unakirwe nezvinhu zvinonakidza senge kudya kwemanheru kana chipfeko chitsva, bhajeti rako rinenge ratogadzirira mari idzi uye hausi kuzogadzira nyowani chikwereti. Uye izvo zvakakosha kukosha kwayo mugoridhe.

Ongororo ye