Kuchengeta mari ndizvo izvo Generation Z isina basa nazvo. Kugara muhoro wekubhadhara kwave kuita tsika isingagone kutsiviwa.
Mumwe wevandinyoreri kubva kurondedzero yemari akandibvunza mubvunzo, asi zvisati zvaitika, akandiudza izvi:
"Mhoro Aayush, ndiri kuwana mari yemahara kwemakore maviri apfuura. Avhareji yekubhadhara mwedzi wega wega ingangoita $2.
Zvakadaro, handina chekudaidza kuti savings kana investments. Mubvunzo wangu kwauri ndewekuti, munhu anogona sei kuchengetedza mari semunhu ane makore makumi maviri nemana kubva kukoreji achiwana mari yemahara?
Zvino ndiwo mubvunzo unonakidza. Kana muchida kundibvunzawo mubvunzo, mirirai tsamba yangu yetsamba. Uchawana bepanhau revhiki nevhiki pamwe chete nekukoka kundibvunza mubvunzo svondo rega rega.
Savings Advice kune Chero Ani Ari Kuma20s.
Dambudziko guru neGeneration Z ndere kufurirwa nevezera. Paunenge uchiri kuyaruka muchikoro chesekondari kana mumwe munhu achangobuda kukoreji, kufurirwa nevezera kuri kwese kwese.
Chekutanga, bvisa pfungwa dzaunoda kuratidza kuti uri kuita zvakawanda sei nekuchinjisa zvinhu zvenyama. Haufanire kutenga hembe dzinodhura, wachi, mabhuku emhando yepamusoro masutu, uye nezvimwe zvinhu zvese kuratidza kuti wakapfuma sei.
Wakapfuma, uye unozviziva. Ndizvo chete zvine basa.
Kanganwa nezvenyika. Rarama hupenyu hwako nenzira yaunoda. Uye kana izvo zvichireva kuti iwe unoda chaizvo kutenga zvinhu zveumbozha, nenzira dzese, ita saizvozvo. Asi usazviitira vamwe.
Mafungiro aya ega achakuchengetera mazana emadhora mwedzi wega wega.
Itai Budget
Iri ndiro danho rako rekutanga pakuwedzera mari yako yawakachengeta zvakanyanya.
Kana iwe ukagadzira bhajeti, iwe unonyatsoziva kuti yakawanda sei yauri kugadzira uye kuti yakawanda sei yauchashandisa, kuisa mari uye kusiya muakaundi yako yekuchengetedza.
Kugadzira bhajeti kwakakosha nekuti hapana imwe nzira yaungazvidavirire. Iwe unofanirwa kuona kuti imarii yekuyerera kwemari iri kuuya uye kubuda kuti uzive kana iwe uchipfuura.
Mwedzi miviri yekutanga yekuronga bhajeti uye nekutevera hurongwa hwebhajeti yako zvakanyatso kukuratidza kwakawanda mari yako iri kuenda. Uye chete ipapo iwe unogona kuita chimwe chinhu nezve nzvimbo dzauri kushandisa overspending.
Unozogona kuwana akawanda matransaction angadai akadziviswa. Mari yese yaunoshandisa zvakanyanya pazvinhu zvausingafanire kukumanikidza kuti uchengetedze maitiro ako ekushandisa.
Ita izvi kwemwedzi mitanhatu, uye iwe uchachengetedza mari yakawanda pa auto-pilot. Nekuti iwe unongodzivirira kutenga zvinhu, iwe haudi uye unogona kurarama usina. Yese iyo mari icharamba ichiwanda muakaundi yako yekuchengetedza.
Try Wallet App neBudgetBakers. Iyo yakanaka mari yekushandisa app inobatanidza neakaundi yako yekubhangi uye inokutendera kuti utarise mari yako uye mashandisiro otomatiki. Iyo zvakare inosiyanisa kutengeserana kwako kuita "Kuda," "Kuda," uye "Kunofanira" zvikamu.
Iyo yakanaka app, uye ini ndinoishandisa pachangu pamwe neayo sisita app, Bhodhi, kumabhizinesi angu.
Ziva Zvaunofanirwa Kuve nazvo, Zvinoda zvinogona kumirira. Vanoda ndeye NO-NO.
Zvese zvaunotenga zvinogona kuiswa muzvikamu zvitatu:
- Need
- Unoda
- fanira
Kana chinangwa chako chega chiri chekuchengetedza mari yakawanda sezvinobvira zvese zvaunofanira kutarisa pazviri kuzadzisa yako "Musts". Izvowo zve zvakachipa sezvinobvira. Zvimwe zvese zvinogona kumirira.
Zvaunoda mabhiri emumba anodzokororwa uye mamwe mashandisirwo anodiwa ayo asingakwanisi kufuratirwa. Zvakadai sekubhadhara mutero, inishuwarenzi utano, uye mari yekukoreji.
Paunowedzera kurarama hupenyu husina mari uye hune mwero, zvichava nyore kushandisa mari yako. Kuchengeta mari hakurevi hazvo kuva chad yakachipa.
Verenga nzira yekuchengetedza mari pasina kudhura.
Zvinongoreva kushandisa mari pazvinhu zvaunoda chaizvo, uye kutsvaga nzira dzekuzviita nemutengo wakachipa.
Vakadaro vachitaurirana nezve rent. Iwe unogona kugara uchiedza kutaura nemumwe munhu kuti aderedze mutengo wavo wekubvunza, saka nei?
Ziva zvauri "Unoda" uye urege zvachose. Usarega manzwiro ako achikutonga.
Kana iwe uchifunga kuti uri kunyengetedzwa nepfungwa yekutenga chimwe chinhu uye iwe uchiziva kuti "Kuda" chigadzirwa chechikamu, ingoti, "Ndichachitenga mangwana" kana ini" ndichazviita gare gare" kwauri iwe pachako.
Muzviitiko zvakawanda, chido chekutenga chigadzirwa ichocho chinopera.
Rega Kuenda kuStarbucks
Zvakanaka, kwete sezvazviri.
Iko kungoita, asi zano rekutanga nderekumira kuenda kunzvimbo uye kutenga zvinhu zvaunoziva kuti uri kutambisa mari pazviri.
Starbucks muenzaniso wekare. Avhareji mutengo wekunwa paStarbucks imadhora matatu. Zvimwe zvinwiwa seFappuccino zvinodhura pamusoro pemadhora mana!
Hazvina musoro. Sei uchipedza mari yakawanda kudaro pane chimwe chinhu chaunoziva kuti unogona kuwana nemutengo wakaderera, wakaderera?
Tsika yekubhadhara kofi yeStarbucks inodarika muzvikamu zvakawanda zvehupenyu hwedu. Hatifungi tisati tashandisa mari pane chimwe chinhu chazova chikamu choupenyu hwedu, chingava chakanaka kana kuti chakaipa.
Starbucks muenzaniso mumwe chete. Kubhadharira Uber ndeimwe imwe. Vanhu vanokudziridza tsika yekushandisa nekuti vanogadzika nesevhisi kana chigadzirwa vasingazivi.
Pese paunoshandisa Uber, haufunge nezve mari yaunoshandisa nekuti hazvina basa. Zvinoita kuti hupenyu hwako huve nyore, kana kuti unofunga kuti zvinoita.
Iwe unogona kuchengetedza nekusaishandisa, uye kutora modhi yezvifambiso zvevoruzhinji. Zvinotora imwe nguva yekuwedzera, asi kwete, Uber ndizvo.
Uye ndinozviwana.
Vamwe vanhu havagoni kuzviita. Vanokoshesa nguva yavo uye nyaradzo pane mari.
Asi kana uchikwanisa uye kana uchida, ungango chengetedza mazana emadhora mwedzi wega wega.
Usaende Zvese Nezve Mhuri Yako
Nguva zhinji kana wapedza kudzidza uye wowana basa rako rekutanga, kana tanga bhizinesi rinotanga kuunza purofiti kana saiye, tanga basa remahara uye ubhadharwe, ungada kuenda kunotenga spree kunhengo dzemhuri yako.
Uye izvo zvakasikwa, ndizvo. Unozviita nerudo, kuratidza kutenda kumhuri yako yakakosha. Mushure mezvose, iwe uri izvo zvauri chikamu nekuda kwavo.
Saka zvakanaka kushandisa mubhadharo wakakwana uye woenda zvese kumhuri yako - kamwe chete. Pamwe kaviri.
Asi usazvirega zvichiva maitiro. Kunyanya nekuti iwe uri mumakore ako makumi maviri uye iwe unozoedzwa kuzviita nguva nenguva. Nokuti zvinofadza.
Nekudaro, haufanirwe kuenda "All Out" zvachose. Shandisa mari shoma kune zvishongo zvakanaka kana zororo remhuri nyowani zvakanaka.
Usangoita zvekutakurwa uye ramba uchipomba mari pane zvese zvinodiwa nemhuri yako.
Vanhu vakasiyana vane zvishuvo zvakasiyana. Mukoma wako angangoda chimwe chinhu, zvimwewo hanzvadzi yako. Iwe haugone kuzadzisa chimwe nechimwe uye chese chinodiwa kudzamara wasvika padanho rekuti une portfolio hombe, kudzokororwa kwemari, zero chikwereti uye kuzadzisa bhizinesi rako kana basa zvishuwo.
Mikana yebasa yevazhinji vanotsvaga basa haimirire kwenguva yakareba. Iwe unofanirwa kuita sarudzo kana yasvika uye gadzirira. Zvimwe chetezvo zvinoenda kumikana yebhizimisi. Kana vasvika iwe unoda capital kuti uwedzere chinzvimbo chako.
Nharo yangu ndeyekusvikira wazadzisa zvinangwa zvebasa rako uye zviroto zvebhizinesi, zvimwe zvese zvinogona kumirira.
Hausi kuita zvakaipa kuvabereki vako. Uri kungononotsa mufaro uchitowedzera.
Uye ivo vanozofara zvakanyanya kana iwe wawana kugadzikana kwemari uye nekuzadzisa zviroto zvako.
Kana nekuda kwechimwe chikonzero mhuri yako ichida zvakawanda, ivo havasi kufara nepfungwa yako yekuchengetedza, vanopenga kana iwe ukamisa zororo kana kuramba "Want" kutenga - buda kunze. Ndizvo.
Handisi kuti unofanira kuvasiya, asi ingobuda uende kure. Rega manzwiro ako azorore zvishoma. Rega mhuri yako izive kuti wakakura sei nebhizinesi rako nebasa rako.
Mushure mekunge mamisa zvese muhurongwa chaihwo uye munogona kupedzisa kubhadhara kune zvese zvavanokumbira, vasiye vapinde.
Kana iwe wakaropafadzwa kuva nemhuri inonzwisisa yako, nyora zvese pamusoro. Iwe hautombodi zano rangu.
Gadzira Chinangwa
Kugadzira chinangwa kunokosha kuti uzviite. Kana usina chinangwa, hapana chaunokwanisa kuzadzisa.
Iva nedonzvo rekuti unoda kuchengetedza marii nezera remakore 30, 40, uye 50 ezera.
Isa icho chinangwa pane imwe nzvimbo kwaunogona kuchiona mazuva ese. Kuti urambe uchiyeuchidzwa nezvekuti dhora rega rega raunoshandisa rinokanganisa chinangwa. Pamwe kunonoka kuzviwana.
Iwe uchakurumidza kubvisa zvekuramba kutenga uye wotanga kufunga nezvenguva refu.
Zvinangwa zvinofanirwa kuve zvenguva refu uye semakomo. Usagadzira chinangwa chidiki chaunoziva kuti unogona kuzadzisa pasina kutyora maitiro ekushandisa mari.
Gadzira zvinangwa zvinoita sekunge zvakaoma kuzadzisa, uye wozvitevera.
Tanga SIPs, Asi Usatarisa
SIPs dzinonakidza. Ndiyo nzira iri nyore yekuvaka hupfumi hwaunogona kunakidzwa nayo mumakore makumi mana. Ndiko kana iwe wakangwara zvekumira kutarisa kubatana mari mitengo vhiki imwe neimwe.
SIPs inoitirwa kuseta nekukanganwa. Ongororo yemwedzi nemwedzi yakakwana kuti uzive kuti ucharamba wakaiswa mari here kana kuti wabuda mari. Mutual fund SIPs inokubatsira kuvaka hupfumi hwakakura kana ukaramba wakadyarwa kweanenge makore gumi kuburikidza nekubatanidza mari yako.
Mari yeEquity inotarisirwa kupa zvakanaka pamusoro pe18% mubereko mukati memakore gumi anotevera. Mari yechikwereti yagara ichipa 10-7% mubereko.
Kana iwe ukadyara mune chikwereti mari, iwe haufanirwe kunetseka nezvehuwandu hwemari kana liquidity. Unogona kugeza kunze chero nguva yaunoda, asi nekuganhurirwa.
Chengetedza maSIPs ako achishanda uye usaatarise serukodzi. Haufanire kudaro. Isa 15k pamwedzi uye kukanganwa nezvazvo hazvina kuoma sezvaungafunga.
Automate Mari Yako
Automate zvese kana zvasvika kune yako mari yekuchengeta uye mari.
Iwe zvino une sarudzo ye automate investments mu stock futi. Uchishandisa Zerodha, unogona kuseta mvumo yekuitira mari yako Zerodha Demat account. Iwe unogona kuseta SIP nekugadzira mabhasikiti emasheya ayo anozoita otomatiki kuurayiwa pazuva resarudzo yako.
Automate zvese zvaunogona. Gadzirisa SIPs dzeMutual Funds, masheya, NPS (Tier 2 kana iwe uchida liquidity) uye NPS pari zvino.
Usachengete zvinopfuura gore remari yechimbichimbi paakaundi yako yekuchengetedza. Uye kana ukadaro, gadzira sub-savings account kana shandisa Linked FD ficha inopihwa neMabhangi akaita seICICI neKotak Mahindra kuti uwane imwe 1 -2% mhindu pamari yako yekuchengeta.
Kana iwe uri tech-savvy munhu, otomatiki 2% yemari yako kutenga cryptocurrencies iwe yaunoda. Ini ndinokurudzira kana iwe usingade kutora yakakura kwazvo njodzi, kuisa mari muBitcoin, Ethereum neCardano kungave kwakanakisa.
Asi iva chikamu chekuchinja uku. Kunyangwe iri bubble, iwe unokwanisa kuita mari kubva mairi. Uye sezvo iwe uchange uchingodyara 2% yemari yako, ndiani ane hanya kana zvese zvikaputika muguruva?
Dzivisa Multiple Credit Cards
Ndinokurudzira zvakasimba kudzivisa akawanda makadhi emakadhi mukutanga 20s yako. Iwe wakanaka zvakanyanya neimwe chete nekuda kwekuvaka a chikwereti chibodzwa.
Kunze kweizvozvo, haufanirwe kushandisa chikwereti kune chero chinhu.
Makadhi echikwereti inzira yakanaka yekushandisa mari uchiwana mibairo mapoinzi. Nekudaro, mabhangi akaita seICICI anobvumidza iwe kuti uwane muyero wakafanana wemapoinzi emubairo paunoshandisa kadhi ravo rechikwereti uchienzaniswa nemakadhi echikwereti ekutanga, semuenzaniso, Coral Chikwereti Kadhi.
Saka hapana chikonzero chikuru chekuti iwe ushandise kadhi rechikwereti panzvimbo yekadhi rechikwereti. Ingoshandisa 5% yechikwereti chako mwedzi wega wega kuchengetedza chikwereti chako chakakwira.
Rimwe kadhi rechikwereti rinokwana kuvaka chibodzwa chechikwereti chine hutano. Ingoita shuwa kuti unochengeta kadhi rako rechikwereti rekutanga richishanda kwenguva yakareba sezvinobvira.
Verenga Zvakawanda NezveMari Yemunhu
Verenga zvimwe. Kunyangwe iwe wakaverenga gumi emabhuku emari yako, verenga zvimwe.
Ramba uchiwana ruzivo rwakawanda pamusoro pekushandisa mari pasina kuva muranda wayo.
Rega kuverenga mabhuku akaita sekuti “Rich Dad Poor Dad” uye “Think and Grow Rich”. Vasingaverengeki vanonzi vakabudirira internet vapesvedzera vanotaura aya mabhuku maviri uye nekuchinja kwavakaita hupenyu hwavo.
Asi usazvitenga.
Dzivisa chikwereti zvachose. Hapana chikwereti chakanaka kana chikwereti chakaipa. Iwe haudi kushushikana kwekubhadhara zvikamu mune yako 20s. Kana mumwe munhu akati chikamu chekumhanya-mhanya, kubuda munzvimbo yekunyaradza uye blah blah blah, nyemwerera, teerera uye usazviita. Zviri nyore.
Kunze kwekunge uchinyatsoida, senge nyaya yekutenga imba, usatombozvifunga.
Ndokumbira kutanga ne "The Intelligent Investor” uye yeuka nheyo dzadudzwa mubhuku rino sehwaro hwako.
Ndinokurudzirawo kuverenga “Kofi Inogona Kuisa mari”, "Iyo Warren Buffet nzira"Uye"Ndichakudzidzisa Kuva Mupfumi” naRamit Sethi. Ini handibvumirane neinosvika makumi matanhatu muzana yezvinotaurwa naRamit mubhuku rake, sekutenga iyo $ 60 kofi zuva rega rega, asi ane hunyanzvi pakutsanangura otomatiki uye kukosha kwekushandisa pasina mhosva.
Imbozvirega. Verenga chero aaya mabhuku mana wobva waverenga Funga uye Kura Wakapfuma kana kuti Rich Dad Poor Dad.
Iwe unonzwisisa chikonzero nei ndichivenga mabhuku akaita saRich Dad Poor Dad.
Ndizvo zvese zveuyu.
Ndinovimba wawana nzira imwe kana mbiri dzaungashandisa kuchengetedza mari yakawanda gore rino.
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