Zvemukati
Kune vakaroorana, Zuva raValentine rinowanzo sanganisira chokoreti, maruva, kudya kwemanheru, uye zvipo zvakawandisa - zvese izvi zvinowedzera kuratidzwa kunodhura kwazvo kwerudo. Sekureva kweNational Retail Foundation, mari yeZuva raValentine inotarisirwa kusvika pamadhora anodarika mabhiriyoni makumi maviri gore rino.
Panzvimbo pekushandisa mazana emadhora paZuva raValentine, iwe nemumwe wako munogona kuratidza kuti munorevei kune mumwe nemumwe nekuita mari idzi kufamba pamwe chete.
Chikamu chakanakisa:
Muri kubatsira kuvandudza hupenyu hwemumwe nemumwe hwemari - nzira ine hungwaru yekupemberera rudo rwenyu kune mumwe nemumwe.
1. Kurukurai uye rongai zvinangwa zvemari
Tora mukana uno kutaura nezve zvemari zvemumwe neumwe zvinangwa zvemari.
Taura nezvehukama hwako nemari yako, zvirongwa zvako zvebasa, uye zvaunofunga kuzadzisa kubva pakuona kwemari.
Tarisa:
Mari chidzidzo chinobata pakati pechero ani, kwete vaviri chete. Musoro uyu unowanzo kuve nepfungwa yekusagadzikana.
Iko kugona kuburitsa pachena uye kugovana yako yemari mamiriro uye maonero anogona kuve akakosha ekubatanidza chiitiko chinoratidza kuvimba.
Enda pane iro peji rimwe chete mari nekukurumidza uye nemazvo nekuti mari kazhinji chikonzero chekuti hukama husashande mukufamba kwenguva.
2. Joinha yako mari
Ratidza kuzvipira kwako kune chako chakakosha zvimwe nekutora matanho ekubatanidza mari neimwe nzira.
Inogona kusanganisira:
- Kufambira pamwe chete
- Kuvhura akaundi yekubhengi account
- Kugadzira bhajeti pamwechete
Pane huwandu hwepamusoro hwekujekesa hunodiwa kubva kune aya mafambiro emari.
Semuenzaniso, kuenda kunogara pamwe chete idanho rakakura pamoyo uye nemari. Iwe uri kugara pamwe nemumwe uye izvo zvinogona kureva kupatsanura mari uye zvimwe zvisungo zvemari.
Kubva pamufananidzo muhombe, kufamba uku kunogona kuwedzera kuyerera kwemari kune iwe nemumwe wako nekuti mari yaunogovana yakaderera pane kugara wega.
Kana, kana iwe ukavhura akaundi kubhengi account, iwe unoratidzira mashandisiro ebasa uye mari inobata mumwe neumwe kuzvidavirira kune izvo zvinangwa zvinogona kunge zvakatemerwa mudanho rekutanga. Zvinotaridza kuti mapato ese ari maviri akagadzirira kuita shanduko kumari yavo kuti hubatsire hukama.
3. Batsiranai kufambira mberi
Pane chero zvikanganiso mukati mako kana kumisikidzwa kwemumwe wako mari? Mungabatsirane here kufambira mberi munzira kwayo?
Unogona kupa kubatsirana:
- Wedzera chikwereti zvibodzwa
- Chengetedza chikwereti zvirinani
- Ongorora mari yekudyara
Kana paine zvirongwa zvekuroora nekutenga imba pamwe chete, yakasimba chikwereti mamaki yakakosha kune chero makuru makwereti anodikanwa mune ramangwana. Uye, kumisikidza yakanaka kiredhiti kunogona kutora nguva.
Imwe nzira yekubatsira mumwe wako kuvaka chikwereti ndeyekumuwedzera ivo sevashandisi vanobvumirwa pane kiredhiti kadhi, izvo zvinogona kubatsira kubhidha chikwereti chake.
Mumwe mutoro wezvemari kune vanhu vazhinji chikwereti, kunyanya zviyero zvemubhadharo wepamusoro. Icho chinhu chinokonzera kushungurudzika - uye zororo kubva mukushushikana ikoko kunogona kunge kuri kukuru kwezuva raValentine "chipo." Garai pasi muongorore mamiriro echikwereti chemumwe nemumwe kuti muone kana paine nzira dzekugadzirisa chikwereti zvirinani. Izvo zvikwereti zviri kubhadharwa nenzira inozoguma nemabhadharo emadhora 0? Zvine musoro here kuti mumwe wenyu abatanidze zvikwereti zvacho kusvika pamutero wakaderera?
Chekupedzisira, tarisa kuti iwe nemumwe wako muri kusvika sei muzvikwereti. Shoropodza mapotifolio emumwe kune kugoverwa kweaseti, kushivirira njodzi, mari, uye mutero zvakanakira. Mumwe wako akawandisa mari mumusika mumwe chete? Iwe unoona yakachipa mutual mari kana maEFs anogona kutsiva aripo akabata? Iko account yekurega basa (IRA) isipo kubva muchikwama?
Mukupedzisira, mafambiro aya anotenderera pahukama hune chinangwa chemari chakanakisa mupfungwa. Uye, ivo vanogona kuve vanonyanya kuita chiitiko cheZuva raValentine kupfuura chero chinjanai chenhumbi.