Hutano Hwako hweMari
Pakutanga gore rino ndakaona chinyorwa kubva kuCNBC ichiratidza kuti 60% yevaAmerican inokandwa muchikwereti ne $ 1,000 yekukurumidza emergency. Izvi zvinotyisa kwazvo kurudzi rwedu rwese uye zvinogona kuve nehurombo hwakanyanya kuhupfumi hwedu munguva yekuderera kweupfumi.
Semunhu aimbova mudzidzi wezvemari, zvemari uye zvehupfumi ave achindida kubva paakasiya munda nekushanda mubhizinesi. Ndakafunga kuti uyu unogona kunge uri mukana wakanaka wekugovana zvirevo zviviri zvandinotenda kuti zvinogona kuita mutsauko wakakura pazero rega uye unokosha kwazvo kumudiki wauri.
- Simba Rezuva Nezuva
- Simba reChipinge Kufarira
Simba Rezuva Nezuva
Mucherechedzo wekudzivirira unofanirwa pondo yekurapa - Ben Franklin
Zvakafanana nemunhu arikutsvaga kutanga chirongwa chitsva chekudya kana maitiro ekurovedza muviri, mhedzisiro haingaonekwe kamwe-kamwe, asi kana ikaitwa nekujairika, mhedzisiro inogona kuve inoshamisa mukufamba kwenguva. Hutano hwezvemari hunotevera hwakafanana nekubudirira.
Tora uyu muenzaniso wekuchengetedza $ 10 pazuva. Iyi $ 10 yaizowedzera kusvika $ 3,650 pagore. Kana ikachengetwa kwemakore mashanu, ingangoita kusvika kuUS $ 18,250 pasati pamboitika migariro yemubatanidzwa inomhanyisa iyo inogona kuwanikwa pane iyo yekuchengetedza.
Kuve saver saver hakusi nyore uye kunoda kushambadzira kwakasimba kutengesa zvisarudzo uye kunonoka kugutsikana, pfungwa yekubvisa chimwe chinhu zvinyoro kunakidza kana kufadza izvozvi, kuitira kuti uwane chimwe chinhu chinonyanya kunakidza gare gare. Nekudaro, kana uchikwanisa kutanga nedzimwe shanduko diki dziri nyore uye nekuvaka homwe yekuchengetera homwe kana kutora mukana wemuenzaniso we401k newako waunoshandira, uchange uri kuwana zvinopfuura $ 1 yedhora rega rega rakachengetedzwa.
Simba reChipinge Kufarira
Kufarira kwakawanda ndicho chishamiso chechisere munyika. Avo vanozvinzwisisa, vanowana; avo vasingadaro ,abhadhara - Albert Einstein
Kana zvasvika kune hutano hwemari, kutanga kuponesa pakutanga muhupenyu kune zvakakosha mukureba kwenguva uye zvinokonzerwa nesimba rehupfumi hupfumi. Tora inotevera chati yakapihwa naVanguard iyo inoratidza simba rekuchengetedza nekudyara $ 1 pamazera akasiyana zvichienderana ne4% mukomboni kudzoka kwegore.
Dhora rimwe rakadyarwa pazera 20, rakaisirwa pa4% yemakore 45 richange rakakodzera kunge $ 6! Kana iyo $ 3,650 yakachengetedzwa kubva kumuenzaniso wekutanga, kana pazera 25 yaizokura kuva yakakodzera $ 17,520 mumuenzaniso uyu. Kuchengetedza zvakasanganiswa pamwe nekudyara kuruboshwe kuti ukure nekufamba kwenguva sekureva kwaEinstein, chishamiso chechisere chenyika.
Kana isu tikatora chikwereti chekutenga, tinowira mumamiriro akafanana, asi mukutendeuka. Izvo hazvireve kuti chikwereti chose chakashata, zvisinei kuti zvakakosha kuti unzwisise chiyero chemari yatiri kubhadharwa uye urefu hwechikwereti kuti tinzwisise zviri nani mutengo wakazara wekutenga kwedu imba, mota kana kushandisa kiredhiti kadhi zvekutenga.
Kuvhara:
Aya ndiwo mafungiro mazhinji aungave iwe unoziva uye seaya maitiro ehutano, akapusa mune dzidziso uye akaomesesa mukuita. Nekudaro ndinotarisira kuti iwe unowana imwe kukosha mune idzi pfungwa uye ndinokushuvira zvakanyanyisa mukutsvaga kwako kwehutano hwekureba hwemari.