Kana ukanyatsocherechedza maitiro emari evanhu vakakupoteredza, uchaona kuti vanhu vanowanzowira muzvikamu zviviri zvakafara: The Frugal neSpendthrift.
Chokwadi, uchawana dzakaenzana. Vanhu vanochengeta uye vanopedza, vakawandisa uye vane rupo panguva imwe chete. Tinotarisa vanhu vakadai nekutya uye tinoshamisika kuti vanobata sei chiyero ichocho.
Saka vanhu ava vanoshandisa sei uye vanochengeta uye vasingaratidzike zvakachipa?
Iyo mantra iri mukugadzira chiyero chakakwana. Ndiyo nzira yatinoenzanisa nayo kuchengetedza nemari inodiwa inoita kuti tive vakawandisa mupfungwa chaiyo.
Kuchengeta uye Kushandisa kana Kuchengeta vs Kushandisa?
Ngatipindei munjere dzekushandisa mari. Zvinhu zvekutanga zvinouya mupfungwa dzavo pavanowana muhoro wavo zviri -
- Zvekushandisa pazviri
– Chii chinotevera kutenga
– Ndezvipi zvandinoda ikozvino
Pasina hanya, chero ipi zvayo, kuitira kuchengetedza dime remangwana, mari inoshandiswa inofara-go-lucky lot. Asi izvozvo kusvika muhoro wapera, anenge mazuva gumi kubva pazuva ravanougamuchira.
Mwedzi wasara, vanhu ava vanogara sevarombo pamari shoma inotambirwa kubva kunhengo dzemhuri neshamwari. Izwi rekuti 'kuponesa' rinogona kunge riri zano remangwana kana pfungwa inosemesa kwavari.
Boka rinotevera - the frugals, inyika yakatarisana. Vanhu ava vanogara vachitsvaga madhiri, madhiri akachipa anozovachengetera mari.
Vanorwira zvese uye vanoisa hupenyu hwavo kune imwe nguva yekupfuma mune ramangwana. Nenzira yomuzvarirwo, nguva iyoyo haimbosviki, sezvo upfumi huri chimiro chendangariro kupfuura chinhu chaichoicho chomuviri.
The frugals ndivo varombo mupfungwa, kunyange kana vane 6 nhamba muhoro. Pfungwa dzemunhu asina hanya dzinotenderera -
– Savings
-Kuchengeta kubva kumari iripo
– Kuchengetera hupenyu hweramangwana
Nzira Yekuchengetedza Mari Pasina Kuve Yakachipa
Hapana chikamu chepamusoro kana chakaderera kune chimwe. Vanodyira mari vanowanzo tarisira pasi kune vasina mari, asi kana mari yavo yapera, vanouya kune vanobvisa mari yechikwereti chekupera kwemwedzi.
Ndinoda kuisa disclaimer pano kuti generalizations yangu ingori - generalizations. Hapana chinonangana neboka ripi zvaro revanhu.
Ndokumbirawo utore zvandataura nezvangu nepini yemunyu, uye ndizivise kana uchibvumirana kana kusabvumirana nazvo, pasina kuve mutsoropodzi kana mutsoropodzi.
Ini pachangu ndakapfuura nekunyanyisa kwezvese kushandisa mari uye kusabhadhara. Ndinonyanya kuyeuka mwedzi yangu yepre-Durga Puja umo ndaizochengetedza semunhu asina maturo kuitira kuti ndigone kupedza nemaoko akazaruka panguva yePuja neDiwali, yandakaita.
Post-Diwali, ndaizosara ndisina kana chinhu chekuzvitsigira kusvika muhoro unotevera wasvika.
Asi ini ndakakura kubva pazera rangu rekutanga-20s uye ndakadzidza kuburikidza neruzivo nzira yekupfuura nemumvura ine madhaka yekutenga uye kusiyanisa pakati pezvido nezvido.
Ini zvakare ndave nekuchenjera mune yangu yekudyara uye zvirongwa zvekusimudzira mari.
Kubva pane zvakaitika kwandiri, uye kuedza uye kukanganisa, ndakanyora pasi 10 isina benzi Nzira dzekuchengetedza mari pasina kudhura. Verenga, uye ona kuti zvingani zveizvi zvaunogona kutanga kushandisa pakarepo.
1. Ronga bhajeti, rambira pairi
Akadaro muzvinabhizimisi David Ramsey - "Bhajeti iri kuudza mari yako kuti iende kupi pane kufunga kuti yaenda kupi"
Ichi chinyorwa chakashandura maonero angu ekugadzirisa bhajeti. Kuronga bhajeti, ndaimbofunga, kwaiva kweparamende nehurumende. Zvakaipa sei!
Chero ani anowana kunyange zviuru zviviri zvemadhora anofanira kutanga nebhajeti. Budgeting haingobatsiri chete kugovera mari kunzvimbo dzakasiyana siyana dzakakosha, zvakare inogadzirisa mari yako.
Anenge munhu wese ane simba ne smartphone ikozvino. Kune akawanda eKudhura manejimendi uye bhajeti maapplication anouya ane nyore kwazvo kushandisa maficha, uye zviyeuchidzo zvine nguva.
Aya maapplication ari epamberi, anotokuyeuchidza nezve yako utility bhiri rekubhadhara, mazuva ako ekutanga ekubhadhara uye zvichingodaro.
Kana zvichibatsira, unogona kuseta bhajeti yako kwemwedzi mitanhatu kana gore pamberi. Gara uchirembera zvishoma uchitenderedza mwedzi yekupemberera kuitira kuti iwe unakirwe nemafaro zvakanyanya.
Budgeting inokubatsira kuseta zvibodzwa zvako zvemari. Pasina kumisa chinangwa, kuwana kuenzana mumari yako kunogona kuve kwakaoma.
Kana iwe uchida rubatsiro pakusarudza bhajeti maneja, unogona kutarisa yedu ongororo yeakanakisa bhajeti uye mari trackers pano - 8 MAAPPS AKANAKA EKUTARIRA MATARIRO EMWEDZI MUINDIA
2. Iva neAccount yeRD
Isu maIndia tinoda kuchengetedza. Sekureva kwedata kubva kuWorld Bank, vangangoita makumi masere muzana muzana evaIndia vane maakaundi ekubhengi. Iyo yakasarudzwa nzira yekuchengetera isu ndeye mubereko webhangi.
Zvakadaro, tichipihwa mareti ezvino emari yekuchengeta account (yangu inopa 2.7%), kutarisa kwedu kunochinja kune Recurring Deposits (RD) uye Fixed Deposits (FD).
Ose ari maviri RD neFD ane mareti epamusoro ekufarira kwekudyara kwenguva pfupi. Muchokwadi, mazhinji maRD uye maFD ane pundutso pakudyara kwenguva pfupi izvozvi.
Unogona kuwana mari inosvika 6% -8% paRD kana FD.
Mabhangi zvino anogonesa kubviswa kwakananga kweRD kubva kuaccount yako yekuchengetedza, zvichiita kuti zvive nyore kuchengetedza. Haufanire kuenda kubhangi mwedzi wega wega kunoisa mari yeRD account.
Iwe unogona zvakare kutanga RD kubva yakaderera seRs. 500 pamwedzi, kwenguva yegore kana mwedzi gumi nemishanu. Saka chii chirikumisa kuti uzviwanire RD izvozvi?
3. Isa mari muETFs
Kana njodzi yako yekudya yakanaka, unogona kupfuura kuchengetedza, uye tanga kuisa mari. Kune vanotanga, unogona kuisa mari muETFs (Exchange Traded Funds). Kana yako njodzi yekudya yakakwira zvishoma, Masheya anogona kuve chikamu chehurongwa hwekudyara mari yako.
ETFs zvishandiso zvinoshamisa zvekutsvaga kwenguva refu. Warren Buffet, mumwe wevanoisa mari zvakanyanya pasi rose, anoona ETFs chishandiso chakavimbika chekudyara yekurega basa.
Remangwana-uchapupu chinhu chakadzika mupfungwa dzedu kubva panguva yatinotanga kuwana. Kazhinji tinonzwa vakuru vedu vachiti “chengetera ramangwana”. Kunyangwe Gen Z nemamireniyumu vasingabhadhare kuti vateerere zano rakadai, zvechokwadi kune hungwaru hwakawanda mukuteerera kwairi.
Kana basa rako risingapi hurongwa hwepenjeni, unofanira, kunyanya, kutanga kuisa mari muETFs kana ETF Bonds. Ingano kuti investment ndeyevanhu vezera repakati. Nekukurumidza iwe unotanga kuisa mari, zvishoma iwe uchafanira kunetseka pamusoro pemakore ako epamusoro.
Uyezve, paunotanga kuisa mari uchiri mudiki, unenge uchiziva zvemari uye unogona kugadzira mari yakadzikama iyo inogona kukubatsira kuti uwane zvibvumirano zviri nani pamakadhi echikwereti uye zvikwereti, kana uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchirwo rwemari.
Kana iwe uchida kuziva mabhenefiti eETFs, uye kuti anofamba sei zviri nani pane masheya uye debentures, verenga yedu post pa. ETFs pano .
4. Tenga kuburikidza neKiredhiti Kadhi
Tese tinotenga mumwedzi wese, kungave girosari kana zvinhu zvinodiwa kumba, kana zvinhu zvekunyorera kana zvimwe zvipfeko. Tese tinobhadhara mabhiri edu uye zvikwereti.
Zvino fungidzira pese paunobhadhara, unodzoserwa chimwe chinhu kubva pamari yawakabhadhara. Inogona kunge iri muchimiro chemibairo mapoinzi aunogona kuzodzikinura gare gare kune zvimwe zvipo, kana inogona kunge iri muchimiro chekudzoserwa mari.
Kuwana kubva mukubhadhara mabhiri ako nekutenga girosari nezvimwe zvinodiwa kwakafanana nekuwana chipo chekuzvarwa chekudzoka. Zvichienderana nemubhadharo wako wepagore, uye maitiro ako ekutenga, unogona kunyorera kadhi rechikwereti rinonyatsoenderana nezvido zvako.
Isu tine zvakare chikamu chemakadhi umo takakurukura nezvemakadhi echikwereti epamusoro anowanikwa pamusika. Verenga yedu ongororo yekadhi rechikwereti kuti uone kuti nderipi kadhi rinonyatsoenderana nemari yako.
5. Tenga muBulk pose pazvinogoneka
Tese tine zvinhu zvatinoda nguva nenguva. Kutenga zvakawanda zvezvinhu zvakadaro kunogona kutichengetera mari yakawanda zviri nyore.
Zvinhu zvandinogara ndichitenga zvakawanda zvinhu zvegirosari. Ini ndinotsvaga zvibvumirano zvinopa kutenga 1 kuwana 1 kupa, kana kuve nemutengo wakadzikiswa zvakanyanya kana uchitengwa muhuwandu.
Kunyangwe zvinodikanwa zvezuva nezuva sezviyo nemapulses kana zvatengwa zvakawanda zvinopa mitengo yakaderedzwa. Ingoita shuwa kuti une yakanaka yekuchengetedza iripo yekuchengetera kwenguva refu.
Kune zvakare mhando nyowani dzine zvinoshamisa zvekutanga zvinopihwa zvekuyedza zvigadzirwa zvavo. Ita shuwa kushandisa kadhi rako rechikwereti kutenga zvakawanda kuti iwe ugone kuhwina pamapoinzi emubairo zvakare.
6. Tenga panguva yekutengesa Zvipo
Kune dzimwe nguva dzakatarwa dzezvipo uye mhemberero mukati megore dzatinogara takatarisira. Mhemberero zvinoreva kupanana zvipo. Kune vamwe vedu, zvakanyanya kupa pane kugamuchira panguva yemhemberero.
Yese mhando inopa kutengesa kanenge kaviri pagore. Kutengesa ndiyo nguva yakanakisa yekutenga zvakawanda kune ese nguva iwe yaunoda kupa zvipo vakoma vako uye shamwari nevazukuru nevazukuru.
Kana iwe usina zvikwereti zvakadaro, iwe unogona kutarisira kuzvitengera iwe panguva yekutengesa. Iwe unogona kuchengetedza mazana mashoma kusvika kuzviuru zvemarupes kubva kune yako yaunofarira brand, pasina kukanganisa pamhando.
Iwo makuru eCommerce saiti seFlipkart, Myntra neAmazon kupa kutengesa kakawanda pagore, uye kune mamwe madhiri akanaka chaizvo aripo panguva yekutengesa kwakadaro.
Nekutenga kwakawanda, unogona kuchengetedza angangoita zviuru zvishoma zvemarupes zvichienzaniswa kana iwe wakatenga chinhu chimwe chete pasina kutengeswa kubva kuzvitoro izvi zvepamhepo.
7. Isa pakutanga
Semunhu anga akapindwa muropa nekutengesa, iro rakanakisa rekuchengetedza zano randinogona kukupa iwe kuisa pamberi zvaunoda.
Kazhinji, tinotarisa zvatinoda pane zvatinoda. Isu tinoisa mufaro wedu pane zvatinoda, uye izvi zvinoratidza kutanga kwekuyerera kusingadzivisiki kwemari yedu yatakawana zvakaoma.
Iwo millennials ari kunyanya kupinda mutengi. Ndakaona vanhu vachipedza hafu yemuhoro wavo pazvipfeko zvitsva nebvudzi uye mapefiyumu kwemasekonzi gumi nemashanu evhidhiyo pane imwe svikiro! Ichokwadi kuti chipfeko chaizogara ipapo mushure mekunge yako social media stint yapera, asi wainyatsoida here pakutanga?
Wana cheki chaiyo. Bvisa yako bhajeti app, uye nyora pasi zvinhu zvese zvaunoda kutenga, uye isa mutengo parutivi pazvo.
Zvino zviisa muzvikamu maererano nezvido zvako uye zvaunoda. Chikamu chezvinodiwa chingave nezvinhu zvaunoda kuti upfuure nemwedzi uno. Rondedzero yekuda yaizove nezvinhu zvauri kuronga kutenga rimwe zuva asi zvinogona nyore kupinda muhupenyu usina izvo izvozvi.
Tevere, buritsa mari yezvinhu zvese zviri murondedzero yako yezvaunoda. Zvino bvisa zvinhu zvese zviri murunyoro urwu. Hezvo iwe! Iwe wakangozviponesa zvishoma zviuru zvishoma zvemadhora. Iwe unogona ikozvino kushandisa mari iyoyo pane zvinodiwa kana chengetedza kuti ushandise gare gare.
8. Wana side gig rinobhadhara
Ichokwadi chinozikanwa kuti vapfumi havapfumi nekuchengetedza, asi kuti nekuwedzera mihoro yavo.
Iwe zvino une internet mukubata kwemaoko ako. Une mudziyo unogona kukudzidzisa hunyanzvi hunoshamisa. Kune mazana emawebhusaiti emahara anokudzidzisa kukodha, kusona, kugadzira, kushambadzira kwedhijitari uye zvichingodaro. Iwe unogona kugadzira chiteshi cheYouTube uye woisa zvemukati kuti nyika ione.
Nzira dzekutevera kuda kwako uye kuwana kubva kwazviri hadzina kumbobvira dzakafara kare.
Unogona kushanda pa9 awa 6 mazuva pavhiki basa, uye uchiri kudzidza munzira yako yekuenda, pakupera kwevhiki.
Ingotsiva yako social media yekushandisa nguva yekudzidza chimwe chinhu chitsva. Mugore, iwe unenge wakashongedzerwa nehunyanzvi hutsva hunogona kutanga kwauri sosi yekuwana mari.
Pinda mukudzidza uye kuwana kubva mazviri. Uchaona kuti mari yako yakaenzana.
9. Mararamiro Ane Utano
Unogona kushamisika kuti mararamiro ane hutano angakubatsira sei kuchengetedza mari usingaite seakachipa. Funga nezvezviitiko zvinotevera uye zvitonge iwe pachako.
Une nhengo yejimu kuti uzvichengete wakagwinya, asi hauna kurova gym.
Mararamiro ako ekugara uye madyiro ari kushandura hutano hwako, uye iwe unowanzo kunwa mapiritsi emusoro kana ekuderedza kushushikana. Asi iwe hauna nguva yekushanyira gym kunyangwe iwe uchibhadharira nhengo mwedzi wega wega.
Wave kusvika makumi mana, uye unotosangana nechando pfudzi, spondylitis, ligament kubvaruka. Kuongororwa maziso ako gore negore kunoda bhomba. Iwe unopinda physiotherapy zvikamu zve spondylitis yako, uye mutengo zvakare unocheka mazino ayo akapinza mubhajeti yako yemwedzi.
Kana ukaona, ese ari pamusoro apa anosanganisira kubhadharira vanachiremba, mishonga, kuongororwa uye pamwe mapremium einishuwarenzi ehupenyu.
Iwe unogona kuderedza pane ese ari pamusoro apa mari nekungoita mamwe emahara-maoko maekisesaizi mazuva ese kana rimwe nerimwe zuva. Zvishoma zvinoenda kure kana iwe uchienderana nazvo.
Unogona kuedza yoga kana kutambanudza kana kumhanya kana kushambira. Unogona kudzidzira kufungisisa. Aya matanho madiki ese anogona kuchengetedza mazana nezviuru zvemarupees angaenda muhutano hwehutano.
10. Usapedzwa nepfungwa dzeKuponesa
Frugality inogona kuva muropa zvakare. Kazhinji, patinotanga kuchengeta, tinozviita tichishandisa zvinhu zvedu zvinokosha.
Kudzvanya mari yese kubva muchibvumirano, maawa marefu ekutaurirana, kumirira kuti mutengo uri kutengeswa udzike zvakanyanya - izvi zvese zviratidzo zvinotyisa zvekuti pfungwa dzako dziri kupedzwa nepfungwa dzehurombo.
Zvitore wega Calculator uye tarisa kana watanga kuchengetedza inokwana 25-30% yemari yako. Kunyange kutanga nediki se10% yaizoita.
Kana uri, saka hapana chekunetseka nezvazvo. Funga pfungwa dzekuwanda uye kuti ungadzidza sei hunyanzvi hutsva kuitira kuti mari yako nekuchengetedza zvikure.
Chekupedzisira, kana tikarega kunetseka nezvekuti mashandisiro atinoita mari anoita sei kune vamwe, zvinorerutsa upenyu hwedu. Sezvinoita chirevo chakakurumbira chinoti “ Kupfeka mbatya dzakachipa uye kutyaira motokari yekare hakuiti kuti ushaye mari, yeuka kuti une mhuri yokudyisa, kwete nzanga yokushamisira.
Unoda kuwedzera kune rondedzero yenzira dzekuchengetedza mari pasina kudhura? Tizivise nzira dzako dzakabvumikiswa dzekubata mari inochengetedza mari.
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