Wanga uchangobva kufunga nezvekushandisa muhoro wako nenzira yakanakisa kuitira kuti ugone kushandisa, kuchengetedza uye kubvisa chikwereti nguva isati yasvika?
Verenga zvakanaka, takakufukidza munyaya ino inotaura nezve 11 zvinhu zvakakosha zvekuita kana iwe wawana muhoro wako.
Kana iwe uri chero sewangu wekare, muhoro wako ndewekuti haunzwisisike, unorota sangano rinouya mushure mekumirira kwenguva refu, uye rinonyangarika nekukurumidza, kazhinji richitisiya tisina ruzivo rwekuti zvese zvakaendepi.
Sevanhu vakawanda vanobhadharwa, ndakanga ndisina unyanzvi hwokushandisa mari.
Nekuda kweizvozvo, ndaizviona ndave kukwereta mari shoma kubva kunhengo dzemhuri kupera kwemwedzi kuti ndiwane zvekutanga.
sekuenda kuhofisi uye tiffin.
Kutenderera uku kwakaramba kuchienderera kusvika ndafunga zvakadzama, ndakatarisa mashandisiro angu emari, ndakaita tsvakiridzo painternet, ndikauya neizvi.
11 dzakapusa nzira dzekubata muhoro zvekuti ndanga ndichishandisa, kuchengetedza, uye kunyange kuisa mari - chimwe chinhu chandakanga ndisati ndamboita.
Sezvineiwo, muhoro unobva pashoko rechiLatini rokuti 'sal' rinoreva 'munyu'.
Munyu waikosha segoridhe munguva dzekare, zvakanyanya nekuda kwekunetsa mukutengwa kwawo. Saka vanhu vaibhadharwa nemunyu pachinzvimbo chekushanda nesimba.
Ngatisiyanei neiyo etymology uye tinyure mune izvo 11 zvinhu zvakakosha zvekuita nemuhoro wako.
Bhadhara Yako Utility Bills
Chikamu chekutanga chemari yaunofanirwa kubata nayo mabhiri ekushandisa. Mabhiri ekushandisa anosanganisira rendi, magetsi, mabhiri emvura uye gasi mabhiri. Zvimwe zvekuwedzera zvinosanganisira mabhiri efoni, internet uye tambo mabhiri.
Kutadza kubhadhara mabhiri ekushandisa kunogona kureva kunonoka faindi uye kukanganisa mubasa. Iwe unogona kuzviseta zviyeuchidzo kuti ugone kubhadhara panguva.
Wedzera kune iri pamusoro apa muripo wako wekugadzirisa imba uye mubhadharo kune vanhu vako vebasa - mutyairi, mubiki uye mubatsiri wemba. Ava ndivo vanhu vanofanirwa kubhadharwa mukati memazuva manomwe ekutanga emwedzi wega wega, zviri nani mukati memazuva matatu ekutanga emwedzi.
Bhadhara Mortgage Yako uye Chikwereti
Zvinenge zvakakosha zvakaenzana sekubhadhara mabhiri ekushandisa kuri kubhadhara imba yako yemba uye zvikwereti. Zvikwereti zvinofanirwa kusanganisira chero chikwereti chisingakonzere mubereko. Semuenzaniso, zvikwereti zvakatorwa kubva kunhengo dzemhuri.
Chikwereti chako uye nhoroondo yekubhadhara inokanganisa yako chikwereti chibodzwa, uye saka kudzoserwa kana mubereko kutenderera kunofanirwa kutorwa zvakakomba.
Chibodzwa chakanaka chechikwereti chinokodzera kuti uwane mari hombe echikwereti, kana uchinge waida. Kukodzera kwe makadhi mazhinji echikwereti zvinoenderanawo nechikwereti chako.
Bhadhara Kadhi rako reKiredhiti zvakasara
Imwe yemisungo yakaipa kwazvo yezvikwereti iyo mireniyumu inowira mairi haisi kubhadhara yavo zvikwereti zvekadhi rechikwereti nenguva.
Makadhi eChikwereti anowana mubereko pamubereko, uye iwe unofanirwa kuve nechokwadi chekuti unobhadhara iyo yese yasara mari mukati memazuva makumi mashanu-yemahara-yemahara nguva.
Vanhu vazhinji vanofunga kuti kubhadhara chete mari shoma inodiwa inokwana. Nekudaro, iyo shoma yakafanira inowanzo ngoita 5% chete yesarasara uye inobhadhariswa kuti ive nechokwadi chekushanda zvakanaka kwekadhi uye kunzvenga muripo wekupedzisira.
Iwe uchiri kuunganidza mubereko pamari yasara, uye usati waziva, iwe unenge uine huwandu hukuru hweusina kubhadharwa + mubereko unobhadharwa.
Pakupedzisira, vamiririri vedhipatimendi remakadhi echikwereti vanotanga kukuvhima nenhare uye nekushanya kuti vabhadhare mari yacho. Iwe zvechokwadi haudi kuti izvozvo zviitike.
Kadhi rechikwereti chishandiso chinoshamisa chinobatsira mukati kuchengetedza mari.
Asi usati waiwana, unofanira kuita tsvakurudzo yekuti nderipi kadhi rinoenderana nemashandisirwo aunoita mari. Takakuitirai basa rakaoma muchikamu chemakadhi edu. Tarisa uone yedu yakadzama wongororo yemakadhi, uye ona kuti ndeipi inokupa iyo yakanyanya kuchengetedza.
Grocery uye Zvimwe Mutengi Anoshandisa
Sekureva kwehuwandu hwedata yakaburitswa neValueChampion, maIndia akashandisa 27.9% yemari yavo pagirosari muna 2017-18. Izvi zvakakwirira kudarika avhareji yakakurudzirwa muzana ye8-10%.
Kuve nyika inovimba zvakanyanya nechikafu chakabikwa kumba, hazvigoneke kudzikisa zvakanyanya kushandiswa kwegirosari. Sezvineiwo, kana tikakwanisa kuchengeta mashandisirwo egirosari mukati me20-22% yemari yatinowana, zvichabatsira kuchengetedza chiyero chekushandisa.
Izvo zvakati, munhu haafanire kukanganisa pane hutano uye hutano chikafu.
Ini ndingakurudzira zvakasimba kupokana nechero kukanganisa mumari muchikamu chegirosari. Isu tose takanzwisisa kukosha kwekudya kunovaka muviri munguva dzazvino. MaIndia ave nemwero wepamusoro wekupora nekuda kwemaitiro avo ekudya.
Iyo 50-30-20 Rule
Sezviri pamutemo we50-30-20 webhajeti wakafarirwa naElizabeth Warren mubhuku rake Zvese Zvako Zvakakodzera: Iyo Yekupedzisira Hupenyu Hwese Mari Chirongwa, 50% yemari yaunowana inofanira kuenda kumapoka matatu ari pamusoro. Zvikamu zviri pamusoro zvinosanganisira zvinodikanwa zvakakwana uye zvinogonesa kurarama munharaunda.
Zvakakosha kuti uite masvomhu nekukurumidza mushure mekunge wabata mari muzvikamu zvitatu zvekutanga kuti uone kana mari yese yezvikamu zvitatu izvi i3% kana kushomeka kwemari yaunowana.
Kana kushandisa kwako muzvikamu izvi kwakayambuka 55% yemari yaunowana, inguva yekudzoreredza uye kuona nzira dzekuunza mukati me50% yemari yako.
Mari kune Vabereki, Vanin'ina, kana Vana
Chokwadi ndechekuti vazhinji vedu tinoshandira vamwe.
Vamwe vangava mhuri yedu kana kuti shamwari.
Ndinoreva, ndiani waunotamba naye pakupera kwevhiki? Shamwari, handiti? Kunyangwe iwe ukaunganidza-mumari yekuungana, iwe unopedzisira waipedzera mukunakidzwa mukambani yeshamwari.
Zvimwe waisazoita hafu yezvinhu zvaunoita neshamwari dai uriwega uye usina wokufara naye.
Tinofanira kugara tichikoshesa mari yatinopa sehomwe yemari kuvana vedu kana mari kuvabereki kuti vagoishandisa pane zvavanoda nezvavanoda.
Iri boka remari harifanire kunge riri rekusarudza. Kana tikaisa parutivi chikamu chemari yatinowana kuvabereki vedu kana vanin'ina kana vana, isu tinenge tichitarisira zvavanoda nezvavanoda pasina ivo kutibvunza nguva dzese.
Chengeta parutivi zvekufambisa uye zvekudya kwemazuva ekuenda muHofisi
Kana iwe uchifamba ne metro kana zvitima zvemuno, ita shuwa kuti wazviwanira kadhi rekufamba.
Zadzazve kadhi iroro mwedzi wega wega. Kana ukatora zvimwe zvekufambisa semarickshaw, chengeta mari shoma inodiwa parwendo rwako.
Kana iwe uine tsika yekutenga tiffin yehofisi kubva kunze, chengeta mari inodiwa zvakafanana.
Iwe unofanirwawo kugara parutivi kwemazuva akaipa apo iwe unofanirwa kutora cab nekuda kwekunaya kwemvura kana nekuda kwekutambanudza mashifiti pahofisi.
Kuchengeta yakanaka Rs 1000 yakavharirwa mukona yechikwama nguva dzose inobatsira munjodzi dzinotyisa.
Ongorora mari pane inodhinda tracker
Kana iwe uchiri kusashandisa an kudhura tracker, iwe unofanirwa kudhawunirodha imwe izvozvi, uye wotanga kunyora pasi mari yako. Maspreadsheets akanaka, asi kutaura chokwadi, unogara wakadini mukuvandudza yako spreadsheet tracker?
Isu takanyora rondedzero yezvisere emhando yepamusoro yekutevera maapplication anowanikwa muGoogle Play uye iOS App Store. Imwe yeaya maapplication anozonyatsoenderana zvaunoda zvekutevera.
Iwo maapplication anotangira kubva kune-asina kupokana kune ayo anoteedzera mari yako, zvikwereti uye zvimwe zvakawanda. Mazhinji emapurogiramu ane bhajeti chimiro, zvakare.
Pane chirevo chakakurumbira "Zvaunoyera, zvinokura". Izvi ndezvechokwadi kunyanya nezvezvinangwa zvemari. Kana usingakwanise kuyera kuti mari yako yakananga kupi, mari yako yekudyara nekuchengetedza zvibodzwa zvingasaita zvakanaka.
Paunenge uchinge watanga kuteedzera mari yako, unogona kugovera iyo kune yega yega chikamu.
Iwe unogona zvakare kutarisa nezvekushandisa zvisina musoro (semuenzaniso, kushandisa yakawandisa pakupera kwevhiki varaidzo) uye kugadzira zvibodzwa zvemari zvinogoneka.
Isa mari muPPF, Bond/Shares kana Recurring Deposit
Kunyangwe iwe uri muchengeti wenjodzi kana wakangwara nemari yako, unofanira kutanga kuisa mari inosvika 15 - 20% yemari yako.
Zvinangwa zvekudyara zvinosiyana - vamwe vanhu vanodyara mari kuti vadzoke zviri nani kune chinangwa chemari munguva pfupi iri kutevera, nepo vamwe vanhu vachichengetera kuchembera kana kune imwe nguva isingatarisirwe yekurapa kana nguva yakaipa. Chero zvinangwa zvako, kuisa mari kunofanirwa, uye kutanga kwaunotanga kuisa mari, zviri nani.
Paunenge uchiisa mari, iwe unofanirwa kunyatso tsvagurudza iyo
- dzorera mari ichapa uye rudzi rwekudzoka, semuenzaniso. mubereko chete, summary sum + mubereko, nezvimwe.
- nguva yekukura, nguva yekubhadhara mubereko, uye mabhenefiti ekuwedzera kwekuwedzera kwekudyara.
- njodzi yakabatana.
- mhosva yakavanzika, kana iripo.
Mastock nemabhondi misika mikuru yekudyara kana iwe uchida kuisa njodzi nemari yako. Kune zvakare musika uri kusimukira we mutual funds uye ETFs kana iwe uri akaverengerwa njodzi-taker.
Kana mabhanga ari sarudzo yako yesangano rezvemari rakavimbika, enda kuPPF kana dhipoziti inodzokororwa. A PPF kazhinji ine zuva rekukura remakore gumi nemashanu uye inokodzera kudyara kwenguva refu.
A Recurring Deposit (RD), umo iwe unofanirwa kuisa mari yakatarwa mwedzi wega wega, yakanyatsokodzera kukudyara kwenguva pfupi.
Ose ari maviri PPF neRD ane mareti emubereko ari nani pane azvino ekubhengi ekuchengetedza account mubereko (kubva munaGunyana 2020).
Kuunza kuenzanisa kwemunyu zvakare, kufanana nemunyu wakawandisa mundiro, kunoparadza kuravira. Kunyanya kuisirwa mari muchikamu chimwe kunokanganisa yako portfolio yemari. Govera zvinhu zvako nehungwaru kuitira kuti ugokohwa zvakanyanya kubva mukudyara kwako panguva dzinobatsira zvinangwa zvehupenyu hwako.
Tenga Inishuwarenzi Yehutano kana Bhadhara MaPrimiyamu Ako
Zvinoenderana neshumo rakaburitswa neIndia Brand Equity Foundation, mari yeinishuwarenzi yehupenyu yakaunganidzwa muIndia yakura kupfuura Rs. 4 trillion kubva muna 5 kusvika 2012.
Iwe unogona kuisa mari muinishuwarenzi yehupenyu kana yenguva yeinishuwarenzi zvichienderana nezvaunoda uye rudzi rwekuvhara iwe rwauri kutsvaga.
Yako yekudyara tracker inogona kukuzivisa iwe nezve iri kuuya premium kubhadhara.
Kana kuburitsa mari yeprimiyamu panguva imwe chete kuchizunungusa bhajeti yako, unogona kusarudza kubhadhara pamwedzi yemaprimiyamu kana kuchengetedza mwedzi wega wega wekubhadhara kuri kuuya.
Tenga icho chimwe chinhu chinoita kuti iwe kana mumwe munhu waunoda afare
Kuchengeta nekudyara kwakanaka, asi isu hatifanirwe kushanduka kuita marobhoti anochengetedza mari mukutevera zvinangwa zvedu zvemari.
Hatifanire kurega kurarama iye zvino kuti tichengetere ramangwana iro risipo.
Kuchengeta kuona zviri kure mukati memiganhu, tinofanira kuzvipinza mumufaro weupenyu uye kwete kuzvinyima zvinhu zvingave zvisina kukosha kukuru kwemari asi zvingatiunzira mufaro watinotsvaka tose.
Saka tengera ruva iro kune mumwe wako, zvitore iwe chikwama chawanga uchitarisa kwenguva yakati, kana kutsiva maikipad foni yaamai vako ne smartphone.
Nepo kuchengetwa kuchigona kuverengwa, mufaro unopiwa nechipo chiduku kwatiri timene kana kuti kuvadiwa vedu unokosha.
Ipa kune Chikonzero kana Charity
Ini pachangu, ndinotenda kuti zvibodzwa zvedu zvemari zvinofanirwa kusanganisira chikonzero chekubatsira kana chinangwa chekupa.
Zvinonzwika sezvakanaka?
Zvakanaka, zvingadaro, asi fungidzira nyika umo munhu wese ari kufunga nezvake uye nemhuri dzavo pasina kupa rubatsiro kune varombo nevakadzvinyirirwa. Ichange iri nyika isina kuchena ine zvakawanda zvekusiyana kwemari.
Kana wakakwanisa kuzviwanira chokurarama nacho chomutambarakede, musengwa wetsika kupa rubatsiro nenzira yokupa kusangano rinoyamura, kune chimwe chinhu, kana kuti kunyange kubatsira varombo vomunzvimbomo zvishoma.
Unogona kutanga zvishoma. Kune masangano mazhinji, anoshanda, anokumbira mipiro midiki yekutsigira dzidzo yemwana. Iwe unogonawo kupa mari yekuyamura.
Iwe unogona kubatsira nenzira yako diki iyo vanhu vanokumbira rubatsiro kunze kwechiteshi chechitima kana metro chiteshi. Kupa chinhu chakanaka. Kutoti tikapa, hatigoni kuwana zvakawanda izvo zvakasikwa zvakatichengetera.
Une mazano here pazvinhu zviri nani zvekuita kana wawana muhoro wako?
Kana hongu, inzwa wakasununguka kupa mazano ari mumashoko ari pasi apa. Tinogonawo kusanganisira izvozvo!
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