Smart mari inofamba yehutano hwemari yemudzidzi

Ah, hupenyu hwemudzidzi-uko kofi iboka rekudya, nguva dzekupedzisira dzinouya nekukurumidza kupfuura mubhadharo, uye chikwama chako chinowanzonzwa chakareruka. Asi usatya! Kunyangwe iwe uri kufambisa gore rako rekutanga kana kumhanya wakananga kunopedza kudzidza, kubata mari yako hakufanirwe kunge iri basa rakaoma. Tikugashirei kune yako yekupedzisira gwara rekuti ungachengeta sei account yako yekubhangi ine hutano semagiredhi ako. Kubva pakuchenjera bhajeti hacks uye leveraging tekinoroji yekuronga mari kuita eco-inoshamwaridzika sarudzo dzinochengetedza mari, takakuvharira iwe.

Simuka uye ufambise nzira yako yekuziva manejimendi emari-ndiro gwara rako kune hutano hwemari, wakagadzirira kushandura mabatiro aunoita mari yako mukati uye kupfuura makore ako ekuyunivhesiti!

Mari yekutanga kubudirira kwemudzidzi

Kutanga rwendo rwako rwekuchenjera mari manejimendi kutanga mumakore ako ekuyunivhesiti kunogona kunyatso kumisa nhanho yeramangwana rakagadzikana mune zvemari. Ichi chikamu chinosuma nzira dzakakosha dzekusimbisa mari yako kwenguva refu, ichibatanidza mienzaniso inoshanda kuti ikubatsire kuona pfungwa idzi. Heano maitiro aungaita hwaro hwakasimba hwemari:

• Gadzira hurongwa hwebhajeti. Tsanangura zvakajeka bhajeti yako yemwedzi nemwedzi zvichienderana nemari yaunowana — ingave rutsigiro rwevabereki, dzidzo, kana chikamu-chenguva mabasa. Dhonza yako yakatarwa (senge rendi uye zvishandiso) uye shanduko (sekudya kunze uye varaidzo) mari yekunzwisisa zvizere kuti mari yako inoenda kupi mwedzi wega wega. Semuenzaniso, kana mari yako yepamwedzi iri $1,000, vavarira kushandisa $300 parendi, $200 pagirosari, $100 pazvinhu zvekushandisa, $150 pazvinhu zvechikoro, uye chengeta $250 yasara.
• Tarisa mashandisiro aunoita mari. Ramba wakatarira mari yako. Isa pamberi zvinodiwa senge pekugara, zvekushandisa, girosari, uye zvedzidzo, wobva wafunga kushandisa discretionary senge varaidzo uye yekudyira kunze.
• Isa zvinodiwa pane zvaunoda. Dzidza kusiyanisa pakati pezvinhu zvakakosha uye zvisingakoshi mari. Zvekare zvinodikanwa senge rendi nemagirosari zvinofanirwa kugara zvichiuya pamberi pekushandisa sarudzo senge zvishandiso kana zvipfeko zvemazuva ano.
• Automate savings. Gadzirisa otomatiki kutumira kuakaundi yekuchengetedza mwedzi wega wega. Kunyangwe chikamu chidiki chemari yaunowana, senge 5% kana 10%, inogona kuvaka nekufamba kwenguva iwe usina kana kumbozviona. Semuenzaniso, kuchengetedza otomatiki madhora makumi mashanu kubva pamadhora mazana mashanu emari inowanikwa pamwedzi inowedzera kusvika kumadhora mazana matanhatu pagore.
• Wedzera zvipo zvevadzidzi. Shingairira kutsvaga uye shandisa zvidzikiso zvevadzidzi zviripo pakufambisa, software, varaidzo, nezvimwe. Izvi zvakachengetwa zvinogona kuwedzera nekukurumidza uye zvakanyanya kuderedza mari yako yese.
• Vakai cushion yemari. Tanga homwe yechimbichimbi yekubhadhara mari isingatarisirwe, senge mabhiri ekurapa kana kufamba nekukurumidza. Vavarira kuchengetedza mari inokwana mwedzi mitatu yekurarama kuti uwane rugare rwepfungwa.
• Kuziva kwechikwereti chechikwereti. Kunzwisisa izvo zvekutanga zvezvikwereti zvibodzwa uye mabatiro azvinoita mikana yako yemari kwakakosha. Zvinowanzoitika zvinobata chikwereti chako zvinosanganisira nhoroondo yako yekubhadhara, mari yaunokwereta, kureba kwenhoroondo yako yechikwereti, chikwereti chitsva, uye marudzi echikwereti chakashandiswa. Ruzivo urwu rwakakosha paunotanga kunyorera makadhi echikwereti kana zvikwereti.
• Isa zvinangwa zvemari. Tanga kumisa zvinangwa zvemari uchishandisa iyo SMART framework kutungamira zvisarudzo zvako uye kuona mafambiro ako.
• Ongorora uye gadzirisa nguva dzose. Sezvo mamiriro ako ezvinhu achichinja, ndizvo zvinofanirawo kuchinja bhajeti yako. Ita ive tsika yekudzokorora hurongwa hwako hwemari semesita yega yega kuti ienderane kune chero zvibodzwa zvitsva zvekuchengetedza kana maitiro ekushandisa.

Rangarira, kiyi yekubudirira kwemari kwenguva refu ndeyekuenderana uye kuchinjika-kuchinja maitiro ako sezvo mamiriro ako emari anoshanduka muhupenyu hwako hweyunivhesiti uye mberi. Misimboti iyi yakakosha inoisa hwaro hwemazano akadzama emari akaongororwa muzvikamu zvinotevera zvegwaro rino.

Kushandisa tekinoroji yebhajeti

Mushure mekuisa hwaro hwakasimba mukutonga kwemari, ngationgororei kuti tekinoroji yazvino ingawedzera sei kunatsiridza uye kurerutsa maitiro ako ekubata mari. Muzera ranhasi redhijitari, unokwanisa kuwana akawanda maapplication uye maturusi epamhepo izvo zvisingarerutse bhajeti chete asi zvakare kuteedzera mashandisiro ako uye kubatsira mukumisa zvinangwa zvemari. Pazasi pane gwara rinokurumidza kushandisa tekinoroji iyi kugadzirisa mabatiro ako emari:

Tool Type	Mienzaniso mapurogiramu	Key zvinhu	Use kesi
Zvirongwa zvebhajeti	Mint, YNAB (Unoda Budget), PocketGuard	Mushandisi-ane hushamwari maficha, chaiyo-nguva yekutevera, zvinongedzo kumaakaundi ebhangi	Yakakwana yekuwana chaiyo-nguva nzwisiso mumaitiro ako ekushandisa.
Expense trackers	Wedzera, Wally	Manual entry, chaiyo mari yekutevera	Yakanakira vadzidzi vanofarira kuchengeta nemaoko dhora rega rega rinoshandiswa.
Kuchengetedza otomatiki	Acorns, Digit	Kuchengetedza otomatiki kwezvishoma zvishoma, kuongorora kushandiswa kwemari	Zvakanakisa kune avo vanoda kuchengetedza mari pasina kufunga nezvazvo.
Zvemari kuronga software	Kurumidza, Hwemari Huru	Maonero akazara mukudyara, zvikwereti, nezvimwe	Zvakakosha kune vakapedza kudzidza kuronga ramangwana ravo rezvemari zvakadzama.
Zvidzidzo zvedzidzo	Khan Academy, MyMoney.Gov	Zvidzidzo zvebhajeti, manejimendi echikwereti, kuisa mari	Yakakosha kune vadzidzi vanoda kudzamisa ruzivo rwavo rwemari.

Nekubatanidza aya maturusi etekinoroji mumaitiro ako emazuva ese ekutonga zvemari, iwe unowana kujeka pamusoro pemari yako uye kuita sarudzo dzekushandisa zvine hungwaru. Zvishandiso izvi zvakagadzirirwa kukupa simba rekushandisa mari yako zvakanyanya uye kugadzira nzira yeramangwana rakachengeteka remari. Dzvanya mukati uye uongorore kuti chishandiso chega chega chinogona kugadziridzwa sei kune zvaunoda uye tanga kutora matanho ekuzadzisa zvinangwa zvako zvemari.

Eco-hushamwari kugara pane bhajeti

Kufamba kubva pakuita zvakanaka kwedhijitari kuenda kukurarama kwakasimba, kutora mararamiro eco-hushamwari semudzidzi haafanire kunetsa bhajeti yako. Muchokwadi, maitiro mazhinji anongwarira zvakatipoteredza anogona zvakare kusimbisa mari yako yekuchengetedza. Heano maitiro akati wandei ekukubatsira iwe kubudirira kwezvakatipoteredza uye mune zvemari:

• Deredza kushandiswa kwesimba. Zviito zvidiki zvinogona kutungamirira kukuchengetedza kukuru pamari yako yemagetsi. Kudzima mwenje pausingadiwi, uchishandisa midziyo isingadyi simba, uye kusarudza mamwe ma layer pane kuwedzera kupisa kunogona kuderedza zvakanyanya mari yako yemwedzi nemwedzi.
• Upcycling uye DIY mapurojekiti. Usati watenga zvinhu zvitsva, funga kana uchikwanisa kudzorera zvaunenge watova nazvo. Kushandura fenicha, kutsvaga zvishongedzo zvechipiri, kana kugadzirisa zvipfeko zvinogona kuwedzera hunyanzvi hwemunhu pasina mari uye mutengo wezvakatipoteredza wezvinhu zvitsva. Kuti uwane kufemerwa uye nhanho-ne-nhanho madhairekitori, tarisa izvi Tutorial yeYouTube pamapurojekiti eDIY izvo zvinogona kukubatsira kuti utange uye kumutsa hunyanzvi hwako.
• Sarudza zvigadzirwa zvezvakatipoteredza. Sarudza zvigadzirwa zvinoshandisa zvishoma kurongedza kana zvakasimbiswa eco-hushamwari. Kuchinjira kune sipo dzinoodza, kuisa mari mumabhodhoro emvura anogona kushandiswa zvakare, uye kushandisa bamboo bhurasho remazino inzira dziri nyore dzekudzikisa kukanganiswa kwezvakatipoteredza uye kuchengetedza mari mukufamba kwenguva.
• Kutenga kwakawanda uye eco-hushamwari zvitoro. Deredza zvose zvinodhura uye kurongedza tsvina nekutenga zvakawanda. Tarisa zvitoro zveko zvinokutendera kutenga zvinhu zvakakura sezviyo, nzungu, uye zvinonhuwira muhuwandu hwakawanda-ingounza midziyo yako kuti uchengetedze mari uye kuderedza marara.
• Digital pachinzvimbo chekudhinda. Gamuchira shanduko yedhijitari yezvinhu zvako zvekudzidzisa. Sarudza madhijitari emabhuku ezvinyorwa, manotsi, uye kuverenga kuti uchengetedze pabepa, kazhinji nemutengo wakaderera kana mahara, izvo zvinogona kuderedza zvakanyanya mari yako yekudzidza.
• Zvifambiso zvevoruzhinji nekuchovha bhasikoro. Tora mukana wezvifambiso zvevoruzhinji kana kufunga kuchovha bhasikoro pakufamba kwemazuva ese. Izvi hazvingochengetedze mari pamafuta uye kupaka asi zvakare zvinoderedza kabhoni tsoka yako, zvichiita kuti ive sarudzo inodhura uye ine eco-hushamwari.
• Rima chikafu chako wega. Kunyangwe kana nzvimbo ishoma, senge mudzimba dzekurara, zvinokwanisika kurima miriwo kana miriwo midiki muhari dzemahwindo. Izvi zvinokupa muchero mutsva, kucheka mabhiri egirosari, uye kunoita kuti udye chikafu chisina mishonga yezvipembenene, zvichideredza mari yako yese yechikafu.

Kubatanidza aya eco-hushamwari maitiro mumaitiro ako ezuva nezuva anokubatsira kuti upe zvakanaka kupasi uku uchibata mari yako nemazvo. Iyi nzira inosimudzira mararamiro anokoshesa kuchengetedzwa pasina kurega kushandiswa kwehupfumi.

Smart kushandisa: Nekukurumidza nzira dzekuchengetedza mari yemudzidzi

Shanduko kubva pakunzwisisa zvakakosha manejimendi emari uye eco-hushamwari maitiro, kushandisa zvine hungwaru kunoda zvine hungwaru, zviito zvekukurumidza kuti uwedzere kuchengetedza pasina kukanganisa mararamiro ako. Pazasi, isu tinoongorora nzira dzinoshanda dzekutambanudza bhajeti yako mberi uye kugadzirisa savvy yako yemari:

Nzira dzekutengesa dzinoshanda

• Shandisa simba rezvideredzwa. Shingairira kutsvaga zvidzikiso, kunyanya panguva yekutengesa kwemwaka kana zviitiko zvekusimudzira, izvo zvinogona kuderedza zvakanyanya mitengo yezvinhu zvinodiwa uye zvinhu zvaungasarudza zvakafanana.
• Mutengo kunzwa. Kunze kwekuenzanisa mitengo, nzwisisa nguva yekutenga. Kutenga zvinhu zvekunze-mwaka kunogona kuchengetedza mari yakawanda, uye kushandisa maturusi ekuzivisa mutengo online kunogona kukubatsira kutenga nemutengo wakaderera.

Kugadziriswa kwehupenyu hwekuchengetedza mari

• Gadzirisa mari yekudya. Taura nezvekuronga zvekudya mumaitiro ako kudzivirira kutenga zvechimbichimbi. Shandisa mapurogiramu anoronga mabikirwo anoenderana nekutengesa kwazvino uye kukwidziridzwa kuita zvirongwa zvekudya zvinodhura.
• Sarudzo dzine hutano, kuchengetedza kukuru. Chinja kubva pakungocheka tsika dzisina kunaka kuenda kukubatanidza hutano husingadhuri. Tora chikamu mumakirasi emahara kana epasi-mutengo wekusimba pakambasi kana online kuti ugare wakakwana pabhajeti.

Kushandisa nharaunda uye zviwanikwa zvakagoverwa

• Pinda mukutenga pamwe chete. Ramba uchipfuura kuedza kwemunhu kubatanidzwa nenharaunda nekutora chikamu kana kutanga mapoka ekutenga emubatanidzwa. Iri zano rinokutendera iwe nevezera rako kutenga pamwe chete mastaples akawanda, kuwedzera mari yekuchengeta uye kukurudzira hukama hwenharaunda.
• Kunyoreswa kwedhijitari kwakagoverwa. Tanga kubata nekugovanisa mari yezviwanikwa zvedhijitari seyekutepfenyura masevhisi uye kunyoreswa kwevadzidzi nekudyidzana nevaunodzidza navo. Iyi nzira yekudyidzana inowedzera zviwanikwa zvako zvekudzidzisa pasina kushandisa zvakanyanya. Kuongorora kwakadzama kwechirongwa ichi kunogona kuwanikwa muchikamu chinotevera chekuwedzera zviwanikwa zvedzidzo.

Kushanda kwezviwanikwa manejimendi

• Kunyoresa manejimendi. Ramba wakangwarira kuzvinyoresa kwako kunodzokororwa. Kuongororwa kwenguva dzose kunovimbisa kuti uri kungobhadhara chete izvo zvaunoshandisa zvechokwadi, zvichibatsira kubvisa kutambisa mari.
• Kugadzirira kwekudya. Kugara uchironga uye kugadzira chikafu kunogona kuderedza zvakanyanya kuraswa kwechikafu uye kuderera kwemitengo yekudya, zvichibatsira kune hutano uye hune hupfumi hwekudya.
• Micro-mabasa uye basa-rakavakirwa basa. Ongorora micro-basa mapuratifomu kwaunokwanisa kuita mabasa madiki munguva yako yakasununguka. Aya mabasa anowanzoda kuzvipira kushoma asi anogona kupa rwizi rwakatsiga rwemari yakawedzerwa.

Rangarira, kuchengetedza kudiki kwese hakungobatsiri chete kuchengetedza bhajeti rakadzikama asiwo kunovaka kune kugadzikana kukuru kwemari mune ramangwana.

Creative side hustles yevadzidzi

Sezvo isu tichibva kure nekutonga mari nekuchengetedza mari, zvakakosha kuti utarisewo nzira dzinonakidza dzekusimudzira mari yako mukati memakore ako ekuyunivhesiti. Kunyura mune yekugadzira mativi hustles inzira inonakidza yekuwana imwe mari yekuwedzera uye kuvandudza hunyanzvi hunosimudzira yako. CV uye wedzera yako nyanzvi network. Heano mamwe magigi anochinjika anoenderana neako simba remudzidzi purogiramu, achipa mabhenefiti emari uye ruzivo rwakakosha:

• Zvemagariro ehupfumi. Manage social media kumabhizinesi madiki kana ekutanga. Iyi gig inoshandura mhasuru dzako dzekugadzira uye yakakwana kana iwe uchida kugadzira nyaya dzinobuda pasocial feed, ichikupa iwe kuchinjika uye yakakosha yekushambadzira chops.
• Kugadzira uye kutengesa. Chinja muimbi wako wemukati nemapuratifomu senge Etsy kana Instagram kuti utengese zvaunogadzira nemaoko. Zvingave zvishongo, pendi, kana zvipfeko zvebespoke, kushandura hunyanzvi hwako kuita mari hakusi kungozadzisa chete asiwo kunozorodza.
• Kudzidzisa online. Dzidzisa zvidzidzo zvako zvaunofarira online kuburikidza nemapuratifomu akadai Tutor.com or Chegg Vaperekedzi. Seta maawa ako uye shanda kubva kwese kwaunogona kutakura laptop yako-mari iri nyore uchibatsira vezera rako.
• Freelance graphic design. Shandisa hunyanzvi hwako hwekugadzira kutora magigi akasununguka kubva pakugadzira logo kusvika kune yakazara-chiyero chekushambadzira zvinhu. Tarisa mawebhusaiti akadai Upwork, Fiverr uye Freelancer kuti ubatane nevatengi vanoda ziso rako kune aesthetics.
• Mifananidzo. Shandura hobby yako yekutora mafoto kuita bhizinesi rine pundutso nekuvhara zviitiko, kuita mapikicha, kana kutengesa ako emhando yepamusoro mapfuti online. Iyo inzira yakanaka yekushandura chido chako kuita mubhadharo uye kuvaka portfolio yehunyanzvi.
• Kunyora uye blogging. Kana mazwi ari chombo chako chesarudzo, edza kunyora zvinyorwa kana kutonga blog. Izvi zvinogona kuita purofiti ine mapuratifomu anobhadhara zvemhando yemukati, uye mablogiki anogona kuunza mari kuburikidza nekushambadzira uye nerutsigiro.
• Virtual mubatsiri. Iri basa rakanyanya kuchinjika, rinokutendera iwe kubata mafoni, masheti, uye maemail kubva chero kupi, zvichiita kuti ive sarudzo yepamusoro yevadzidzi vakabatikana.
• Murayiridzo wehutano. Vanyanyisi vefitness vanogona kuita mari makirasi ekudzidzisa kana kupa dzidziso yega. Iyo inzira yakanaka yekuramba wakagwinya, kubatsira vamwe kuita zvimwe chetezvo, uye kuisa muhomwe imwe mari iwe uripo.
• Kukudziridzwa kweApp. Kana kukodha kuri kufona kwako, kuvandudza kweapp kunogona kuve goldmine yako. Kunyangwe iwe uri freelancing kana kuvhura yako wega app, iyo tech nyika ine nzara yezvitsva zvitsva uye inoda kuvabhadharira.
• Voiceover basa. Edza kune zvekutengesa, mifananidzo, kana zvekudzidzisa. Iyo inzira inonakidza yekuwana mari uye kunatsa hunyanzvi hwako hwekutaura.

Kuita mune izvi kunozora account yako yekubhangi uye kukupa iwe neanoshamisa zviitiko uye hunyanzvi hunogara kwenguva refu wapedza kudzidza. Uyezve, inzira yakanaka yekuita mari pamatemu ako, kusanganisa basa nezvidzidzo zvako zvisina musono.

Kukwirisa zviwanikwa zvedzidzo

Kusimuka kubva munzvimbo yehungwaru yekushandisa uye kugadzira mari yekugadzira, ngationgororei kuti kushandisa zvizere zviwanikwa zveyunivhesiti kunogona kuvandudza zvakanyanya ruzivo rwako rwekudzidza uku uchidzikisa mari yako yekudzidza. Izvi zvivakwa uye masevhisi hazvisi zvekucheka mitengo chete; iwo akakosha mukupfumisa rwendo rwako rwedzidzo uye kukugadzirira iwe basa rinobudirira.

Masevhisi eraibhurari akawanda

Wedzera kushandisa kwako raibhurari yeyunivhesiti, iyo inopa zvinopfuura kungokwereta mabhuku. Svika madhatabhesi anodhura, majenari ezvidzidzo, uye e-mabhuku anowanzo kudhura. Kushandisa zviwanikwa izvi kunogona kukuchengetedza kubva pakutenga mabhuku uye nekupa zvinhu zvakakura zvekosi yako nekutsvaga.

Kuwana kunyoreswa kwezvidzidzo

Mazhinji madhipatimendi ezvidzidzo anopa mukana wemahara kune yakakosha software uye mapuratifomu edzidzo seMATLAB, Adobe Suite, uye maturusi ekutsvaga. Izvi zvinowanzosanganisirwa muchidzidzo chako uye zvakakosha pakuita kosi uye kuvandudza hunyanzvi, kuchengetedza mari yakawanda pakutenga software.

Complimentary software uye technical support

Batsirwa kubva kwakasiyana-siyana yemahara software inowanikwa kuburikidza nesangano rako, kubva kune zvigadzirwa masutu kusvika kune epamusoro maturusi ekuongorora. Shandisa pa-campus IT rutsigiro kugadzirisa nyaya dzetekinoroji pasina kudiwa kwemasevhisi ekunze anodhura, kuve nechokwadi chekufambira mberi kwedzidzo kwakatsetseka uye kunodhura.

Dzidzo yekutsigira mabasa

Shandisa mahara ekudzidzisa uye masevhisi ekutsigira dzidzo kuti uvandudze kuita kwako mudzidzo. Zvivako zvakaita senzvimbo dzekunyorera nemalebhu esvomhu hazvingopi rubatsiro rwakakosha chete asiwo nyaya dzebudiriro yehupenyu chaihwo, semudzidzi akavandudza mamakisi ake ekuverenga kubva paC kuenda kuA kuburikidza nezvikamu zvenguva dzose parabhu yemasvomhu. Aya masevhisi anogona kuwedzera zvakanyanya kunzwisisa kwako zvidzidzo zvakaoma uye kuwedzera mamakisi ako.

Kuita maworkshops nemasemina

Gara uchitevera maworkshops nemasemina. Zviitiko izvi zvinovandudza kudzidza uye zvinokutendera kuti ubatane nenyanzvi nevezera pasina imwe mari, uchiwedzera mahorizoni ako edzidzo kupfuura kirasi.

Kusimba uye hutano

Panzvimbo pekushandisa mari panhengo yejimu, shandisa zvivakwa zvekusimba zvinopihwa nekambasi yako. Mazhinji mayunivhesiti anopa gym ane akashongedzerwa, madziva ekutuhwina, uye matare emitambo, inogona kuva nzira yakanaka yekugara uine hutano uye uchishanda pasina imwe mari.

Mabasa ekugadzirira basa

Shandisa zvizere mabasa eyunivhesiti yako. Idzi nzvimbo dzinowanzo kupa ongororo yezve, kudzidzira kubvunzurudza, uye mikana yekushamwaridzana, izvo zvakakosha paunenge uchigadzirira kupinda mumusika webasa. Vanogona zvakare kupa maworkshops ezvemari kuverenga uye kuronga basa, zvichikubatsira iwe kuseta nhanho yekuzvimiririra mune zvemari mushure mekupedza kudzidza.

Kushandisa zviwanikwa zvedzidzo izvi nemazvo kunokubatsira kuchengetedza mari yakawanda uye kukupa zvishandiso zvinodiwa kuti ubudirire muzvidzidzo. Sezvo iwe uchive nehunyanzvi mukushandisa mikana iyi, zvinobatsirawo kuongorora kuti hukama hwako nemanetiweki zvingaite basa rakakosha mukuwedzera kudzikisira mari yako yekudzidza.

Networking kuderedza mari

Networking haisi yekungofumura chete mikana yemabasa-Iri zvakare zano rakangwara rekutambanudza bhajeti yako mukati memakore ako ezvidzidzo. Nekubatana nevezera rako, unogona kuwana nzira dzakangwara dzekuita kuti mari yako ienderere mberi. Heano mamwe matipi anoshanda ekuita nenharaunda yako ayo asingangobatsiri iwe kuchengetedza mari chete asiwo anopfumisa hupenyu hwako hwemudzidzi:

• Kutsinhana kwemabhuku. Sei uchitenga zvitsva iwe unogona kuchinjana? Ronga kana kujoinha zviitiko zvekuchinjana mabhuku pakutanga kana kupera kwesemesita yega yega. Iko kuhwina-kuhwina: iwe unochengetedza mari uye nekutsigira eco-hushamwari maitiro pakati pevezera rako.
• carpooling. Dhonza mari yako yekufambisa nekugovana kukwira kuenda kucampus kana kudzokera kumba. Mapurogiramu uye mapoka enhau dzemagariro anoita kuti zvive nyore kubatana nevamwe vadzidzi vanotungamira nenzira imwe chete.
• Kugoverana dzimba. Tanga kukurukura nezveurongwa hwekugara naye. Kugovera nzvimbo kunogona kuderedza zvakanyanya mari yako yekugara-yakawanda mari yehusiku hwepizza!
• Skill swapping. Unyanzvi hwekutengesa pane kushandisa mari. Zvakanaka pa graphic design? Govera kugadzira pepa rendege mukutsinhana nerubatsiro mukosi yakaoma. Izvezvi ndezvekubatsirana pasina kuvhura wallet yako.
• Magadheni emunharaunda uye mapoka ekugadzirira kudya. Joinha gadheni renharaunda kana kutanga boka rekugadzirira kudya. Kwete chete iwe uchaderedza mari yekudya, asi iwe zvakare uchadya zvine hutano uye pamwe kutoita shamwari shoma mukuita.

Kugadzira hukama hunobudirira pakugovana nekushandira pamwe hakungochengetedze mari chete-kunosimudzirawo nharaunda inotsigira inosimudzira ruzivo rwako kukoreji uye inokudzidzisa hunyanzvi hwekushandira pamwe hunogara kwenguva refu wapedza kudzidza.

Kuvaka chikwereti semudzidzi

Kune vadzidzi vazhinji, koreji haisi yekungorova mabhuku; zvakare inguva yakaoma yekuisa pasi midzi yako yemari. Kugadzira kiredhiti kwakasimba iko zvino kunogona kuvhura mikova yekufamba kwemari huru mune ramangwana, sekukwereta zvikwereti zvine mubereko wakaderera uye kuwana mazwi anotapira padzimba. Heino hurongwa hwemutambo wako wekuvaka uye kutonga chikwereti chako zvine hungwaru:

• Tanga nekadhi rechikwereti remudzidzi. Mabhanga akawanda anoburitsa kapeti tsvuku yevadzidzi vasina nhoroondo yechikwereti kuburikidza nemakadhi echikwereti akagadzirwa. Aya matombo anokosha anouya ane miganhu yakaderera uye akareruka pamubhadharo, zvichiita kuti ive yakakwana kune yako yekutanga kupinda muchikwereti. Zvishandise pazvinhu zvidiki uye ubhadhare chiyero mwedzi wega wega kuti udzivise zvikwereti izvozvo.
• Kubhadhara mabhiri panguva. Kugara uchibhadhara mabhiri ako nenguva kwakakosha kuti uchengetedze kiredhiti yakanaka. Izvi zvinosanganisira zvose zvaunosungirwa kuita zvemari, kwete kubhadhara kadhi rechikwereti chete—zvakadai serendi, zvokushandisa, uye kuzvinyoresa.
• Ongorora zvikwereti zvevaka kiredhiti. Tarisa zvikwereti zvevaka kiredhiti kubva kune mamwe mabhanga ane ruzivo. Vanokiya mari yechikwereti kure iwe uchibhadhara nekufamba kwenguva. Kana yangobhadharwa yese, mari yacho ndeyako, uye une rekodhi yakasimba yekubhadhara nenguva.
• Shandisa co-signer kana zvichidiwa. Kana kukodzera kuwana chikwereti kuchinetsa, funga kushandisa co-signer ane nhoroondo yakasimba yechikwereti. Kumira kwavo kwechikwereti kunogona kukubatsira kuwana mvumo yezvigadzirwa zvechikwereti, asi ngwarira sezvo maitiro ako emari achizokanganisa kiredhiti yavo zvakare.
• Tsigira mwero wechikwereti wakaderera. Vavarira kuchengetedza zvikwereti zvekadhi rechikwereti zviri pasi pemiganho yako. Kubvisa makadhi ako kunogona kukuvadza chikwereti chako, kunyange iwe uchivabhadhara nenguva.
• Tarisa chikwereti chako nguva nenguva. Gara uchitarisa marepoti ako echikwereti kune chero anotsvedza kana zvinhu zvine mumvuri. Iwe unogona kubata rondedzero yemahara kubva kune yega yega matatu makuru makuru ekuzivisa kiredhiti kamwe pagore paAnnualCreditReport.com.
• Batanidza kune rusununguko rwemari. Kutarisira kiredhiti kwakanaka inzira yekuzvimiririra mune zvemari, ichipa mamiriro ari nani ezvikwereti zvemunhu, sarudzo dzedzimba, uye kunyange mari yebhizinesi. Chikwereti chakasimba chechikwereti chinogona kuchengetedza mareti emubereko akaderera uye mamwe mazwi echikwereti anodiwa, zvichifambisa manejimendi emari nyore uye kushomeka kushoma pane zviwanikwa zvako.
• Mazano evadzidzi vepasirese. Kana iwe uri mudzidzi wekune dzimwe nyika usina kujairana nekiredhiti system yemuno, zvakakosha kuti unzwisise misimboti yekutarisira kiredhiti munyika yaunogamuchira. Tanga nesarudzo dzakachengetedzwa dzechikwereti uye tsvaga zano kubva kuhofisi yako yekubatsira mari yechikoro kana masevhisi evadzidzi.
• Nzwisisa njodzi dzekusafambisa chikwereti. Zvinogona kutungamira mukuunganidza zvikwereti, mubereko wakakwira, uye kukanganisa kwakashata pachikwereti chako. Izvi zvinogona kuomesa dzimba dzekurenda, kuwana zvikwereti, uye kutokanganisa mikana yebasa munzvimbo dzinogara dzichiongororwa nechikwereti.
• Zviwanikwa kuti uwane rumwe ruzivo. Dive zvakadzika mukutonga kwechikwereti kuburikidza nemapuratifomu senge National Foundation yeKubhadharira Kiredhiti kana zviwanikwa zvekudzidza zvebhangi rako.

Nekuomerera kumazano aya, hausi kungovaka nhoroondo yechikwereti chehunyanzvi - uri kugadzira nzira yeramangwana rakanaka mune zvemari. Kushandisa kiredhiti kwakachenjera isimba resimba rinotsigira mari yako nhasi uye rusununguko rwako rwemari mangwana.

Kuvhura mari yemahara kukoreji

Mushure mekuvaka hwaro hwakasimba mukugadzirisa bhajeti, kutonga kiredhiti, uye kushandisa zviwanikwa zveyunivhesiti, zvine hungwaru kutsvaga rubatsiro uye kuyanana-mhando dzerubatsiro rwemari iwe haufanirwe kudzosera. Izvi zvinogona kurerutsa zvakanyanya kushushikana kwako kwemari nekuvhara mari pasina kudiwa kwekubhadhara, kusiyana nechikwereti chemudzidzi. Bata gwaro rino kuti uwane zviwanikwa zvakakosha izvi:

• Nzwisisa kusiyana kwacho. Scholarships inowanzopa mubairo muzvidzidzo kana zvekuwedzera, ma grants anowanzo gadzirisa zvinodiwa zvemari, uye kuyanana kunotsigira zvidzidzo zvepamberi kana kutsvagisa, kazhinji kusanganisira stipend yekubhadhara mari. Kuziva misiyano iyi kunogona kukubatsira kunanga zvikumbiro zvako uye nekuvandudza mikana yako yekubudirira.
• Tanga nesangano rako. Yunivhesiti yako inzvimbo yakapfuma yerutsigiro rwemari. Makoreji mazhinji anopa zvipo uye kuyanana izvo zvisina kushambadzwa zvakanyanya. Shanyira hofisi yako yerubatsiro rwemari kana kubvunza vanachipangamazano vedhipatimendi kuti uvhure mikana inogona kuvanzwa.
• Shandisa specialized databases. Mapuratifomu akafanana Grants.gov, ivo Foundation Center, uye FastWeb batsira kutsvaga rubatsiro uye kuyanana kwakakodzera kune yako ndima yekudzidza, mamiriro, kana zvimwe zvaunoda. Izvi zviwanikwa zvinogona kukubatsira kuderedza kutsvaga kwako uye kutarisa pamikana inonyanya kukosha.
• Gadzirira nokukurumidza. Makwikwi emubairo uyu anogona kuve akaoma, saka tanga kugadzirira zvikumbiro zvako pachine nguva. Unganidza magwaro ese anodiwa senge zvinyorwa, tsamba dzekurumbidza, uye chero zvinyorwa zvinodikanwa nguva refu isati yasvika.
• Gadzirisa zvikumbiro zvako. Gadzirisa yega application kuratidza zvakajeka maitiro aunoita zvinangwa zvemubhadhari. Kuti uwane mabhezari, simbisa zvawakawana muzvidzidzo kana zviitiko zvekunze. Kuti uwane rubatsiro, tarisa pakuratidza zvaunoda mune zvemari, uye nekuyanana, tsanangura zvirongwa zvako zvekutsvagisa kana kuti chidzidzo chichafambisira mberi basa rako redzidzo. Kuve wakananga uye wakananga mumashandisirwo ako kunogona kuwedzera zvakanyanya mikana yako yekubudirira.
• Tevera mirairo kune tsamba. Namatira kumitemo yekushandisa. Kushaya gwaro kana kuridza zuva rekupedzisira kunogona kukubvisa mukumhanya, zvisinei nekuti wakanaka sei.
• Tsvaka mhinduro. Usati waendesa, iva nemuperekedzi ane ruzivo, chipangamazano, kana vezera ongorora chikumbiro chako. Maonero avo anogona kubatsira kunatsa nzira yako uye kuwedzera mikana yako yekuwana rubatsiro kana kuyanana.
• Sarudza zvine hungwaru, shandisa zvine hungwaru. Nyorera kune akawanda mabhenefiti uye kuyanana kuti uwedzere mikana yako, asi tarisa kune izvo zvinonyatsoenderana neprofile yako. Nzira yakananga inowanzobudirira kupfuura nzira yakafara.

Kuwana zvakanaka pakunyorera mabhezari, magrants, uye kuyanana kunosimudza mikana yako yekutora mari yemahara kukoreji uye kunokubatsira kuderedza zvikwereti zvevadzidzi. Kuve wakangwara mune izvi maapplication zvinotungamira kune kushomeka kwemari hupenyu hwekoreji, kukuita kuti utarise zvakanyanya pazvidzidzo zvako. Mukufamba kwenguva, nzira iyi inokuchengetedza mari yakawanda uye inokugadzirira iwe kuti uite nyore tanga mushure mekupedza kudzidza.

Kugadzirira kusununguka kwemari mushure mekupedza kudzidza

Sezvo mazuva echikoro chako anosvika kumagumo, kufamba kubva kumamiriro ezvemari akarongwa eyunivhesiti kuenda pakubata mari dzepasirese kunosanganisira gadziridzo dzakakura. Heino gwara rako rekufambisa zvakanaka shanduko iyi yakakosha:

• Nzwisisa zvikwereti zvemudzidzi wako. Tanga nekuwana kunzwisisa kwakasimba kwechikwereti chako chemudzidzi. Ziva mitemo yako yekubhadhara, mari dzinofanirwa kubhadharwa pamwedzi, uye kana nguva yako yenyasha yapera. Kubatanidza zvikwereti zvakawanda zvinogona kurerutsa kubhadhara kwako uye kutodzikisa mari yako yemubereko.
• Kuronga bhajeti rehupenyu hwako hutsva. Gadzirira bhajeti rinotaridza mari yaunotarisira uye mari yehupenyu chaihwo senge rendi, zvekushandisa, zvekutengesa, uye inishuwarenzi. Bhajeti yechokwadi inokubatsira kudzivirira kushamisika kwemari uye inova nechokwadi chekugadzikana.
• Emergency fund ndiyo yakakosha. Gadzira homwe yekukurumidzira ine mari yakakwana yekuvharisa mwedzi mitatu kusvika mitanhatu yemubhadharo. Izvo zvakakosha kuti uve nerunyararo rwepfungwa paunotarisana nezvipingamupinyi zvebasa rekutanga uye nemitengo isingatarisirwe.
• Funga nezveramangwana—mudyandigere nemitero. Kunyange hazvo kuenda pamudyandigere kungaite sekunge kwave kure, kutanga kuchengetedza nekukurumidza kunogona kubhadhara. Kana basa rako richipa 401 (k) chirongwa, iva nechokwadi chekupa zvakakwana kuti uwane chero mari inofananidzwa kubva kumushandi wako. Iwe unogonawo kufunga nezvekutanga IRA (Individual Retirement Account), iyo inogona kukubatsira kuchengetedza pamudyandigere nemamwe mabhenefiti emutero. Pasinei nokuti unosarudza Traditional IRA kana Roth IRA, imwe neimwe ine zvakasiyana-siyana zvemitero. A Traditional IRA inogona kuderedza mitero yako ikozvino nokuti iwe unogona kubvisa mipiro yako pamutero wako wekudzoka, nepo Roth IRA inobvumira mari isina mutero paunorega.
• Chengetedza chibodzwa chechikwereti chine hutano. Ramba uchivaka chikwereti chako nekubhadhara panguva yakakodzera pazvikwereti zvako uye makadhi echikwereti. Chikwereti chakasimba chechikwereti chinobatsira mukutenga kwakakosha senge dzimba kana mota uye inochengetedza zvirinani mazwi echikwereti.
• Usamborega kudzidza. Dzidzo yezvemari haipere nekupedza kudzidza. Ramba uchidzidza kuburikidza newekishopu, nhau dzezvemari, uye kuverenga uchienderera. Ruzivo rwezvemari runoshanduka nekuchinja kwehupenyu hwako uye kunoita kuti ugare wakagadzirira sarudzo dzemari mune ramangwana.

Nekunyatsogadzirisa nzvimbo idzi, hausi kungozviverengera hupenyu mushure mekoreji-uri kuve nechokwadi chemari yakanaka uye nekubudirira kwekutanga kuhupenyu hwako hwekupedza kudzidza.

mhedziso

Basa rakakura kuburikidza negwaro iri! Tapfuura zvakawanda, kubva pakuita bhajeti zvine hungwaru uye kushandisa tekinoroji kuchengetedza mari, kushandisa zvine hungwaru uye kurarama zvakachengetedzeka iwe uri kuyunivhesiti. Sezvo iwe uchigadzirira kutama kubva kuhupenyu hwemudzidzi uchienda kunyika inoshanda, ramba wakatarisa pachikwereti chako chemudzidzi, gadzira bhajeti rinoshanda munyika chaiyo, uye tanga kufunga nezveramangwana rako nekuchenjera pamudyandigere uye kuronga mutero. Rangarira, rwendo rwako rwezvemari rwuri kuenderera mberi - shanyirazve matipi aya sezvaunokura uye kutarisana nematambudziko matsva emari. Ramba uchishandisa zvawakadzidza kuchengetedza mari yako. Kufamba kwese kwaunoita inhanho yekuenda kurusununguko rwemari uye nekuzadzisa zviroto zvako. Hezvino kutora mari yako uye kuvaka ramangwana rakajeka!