Kugona kubata mari zvine hungwaru kunonyanya kukosha mhando mumamiriro ezvinhu enhamo yemari, apo simba rekutenga rehuwandu riri kudzikira, inflation iri kukwira, uye mitengo yekuchinjana mari isingatarisike zvachose.Pazasi pane zvikanganiso zvakajairika zvine chekuita nenyaya dzemari pamwe nezano rekuronga zvemari kubatsira kubata mari yako nemazvo.
Iyo bhajeti ndiyo inonyanya kukosha mukuronga kwemari.Saka zvinonyanya kukosha kungwarira pakunyora bhajeti.Kutanga iwe unofanirwa kugadzira yako wega bhajeti yemwedzi unotevera uye chete mushure mayo unogona kuita bhajeti regore.
Sezvo hwaro huchitora mari yaunowana pamwedzi, bvisa pairi mari yenguva dzose semutengo wemba, chekufambisa, uye wobva wasarudza 20-30% pakuchengetedza kana kubhadhara chikwereti chemba.
Zvimwe zvacho zvinogona kupedzerwa pakurarama: maresitorendi, varaidzo, nezvimwewo. Kana uchitya kushandisa mari yakawandisa, zviganhurire mumari yevhiki nevhiki nekuva nemari yakati kuti.
"Kana vanhu vachikwereta, vanofunga kuti vanofanirwa kuidzosera nekukurumidza," akadaro Sofia Bera, akavimbiswa kuronga zvemari uye muvambi weGen Y Planning kambani.Uye pakuripira kwayo shandisa zvese zvawawana.Asi hazvisi zvine musoro. "
Kana usina mari pazuva rekunaya kwemvura, kana pakaitika dambudziko (semuenzaniso kugadziriswa kwemotokari) unofanira kubhadhara nekadhi rechikwereti kana kupinda muzvikwereti zvitsva.Ramba uchifunga nezve inokwana $1000 kana paine mari isingatarisirwe.Uye zvishoma nezvishoma wedzera "airbag" kune mari yakaenzana nemari yako kusvika kumwedzi mitatu-mitanhatu.
"Kazhinji kana vanhu vakaronga kuisa mari, vanongofunga nezve purofiti uye havafungi kuti kurasikirwa kunogoneka", anodaro Harold Evensky, Mutungamiriri wekambani yekutarisira mari Evensky & Katz.Akataura kuti dzimwe nguva vanhu havaite masvomhu chaiwo.
Semuenzaniso, kukanganwa kuti kana mugore rimwe vakarasikirwa ne50%, uye gore rakatevera vakawana 50% yepurofiti, havana kudzokera kunzvimbo yekutanga, uye vakarasikirwa ne25% yekuchengetedza.Naizvozvo, funga nezvemigumisiro yacho.Gadzirira kune chero sarudzo.Uye zvechokwadi, zvingave zvine hungwaru kuisa mari mune akati wandei akasiyana ekudyara zvinhu.
Nguva yekutumira: Jan-15-2023