55 Zvinhu Zvekuchengetera Zvinonyatsokoshera

Mabhiri edu anobhadharwa, tine sarudzo dzekurega basa, uye mari inotibatsira nenjodzi. Dzimwe nguva zviri nyore kuisa pfungwa dzedu zvakanyanya pabasa redu zvekuti hatichengete zvakakwana. Pane zvinhu zvakakosha kuchengetedza. Ichi chinyorwa chinotaura nezve 55 zvinhu zvaunofanira kutanga kuchengetedza.

Ungachengetedza sei mari?

Kuchengeta mari kuti utenge zvinhu zvausingakwanisi kutenga kunogona kuva nzira yakanaka yokufunga nezveramangwana. Pamusoro pezvo, kuve nemari yakachengetedzwa kuchakubatsira kuti usatadza kubhadhara zvikwereti zvako. Kuchengetedza mari nguva dzose kwakanaka.

55 nzira dzakangwara dzekuchengetedza mari!

Pane zvakawanda zvaunogona kuita nemari yako. Nepo mamwe emazano aya achibatsira, mamwe anogona kunzi anonakidza. Zvisinei, dzose dzakakodzera.

1. Muripo weimba

Chinhu chinodhura chauchatenga imba. Inogonawo kuva mari, kana yakatengwa panguva yakakodzera uye mutengo. Kazhinji, iwe uchada kuchengetedza pakati pegumi ne10% yemutengo wekubhadhara pasi pamba pako.

2 Zororo

Kazhinji zviri nyore kuchengetedza zororo nekuti unokurudzirwa. Uyezve, iwe uchanzwa zvakanaka kuziva kuti bhajeti yako inogona kutsigira zororo rako. Gadzirira kuchengetedza kusvika gore rose kune nzvimbo dziri kure nekumba. Ungangoda kufamba munharaunda kuti ufambe nekukurumidza. Mwedzi mishomanana inogona kukwana.

3. Kuhaya motokari

Inzira yakanaka yekushandisa mari shoma pamotokari pane yaunoda. Iwe unogona kuenda chero kwaunoda, uye inoshanda mukufamba kwenguva. Unogona kutarisira kushandisa zviuru zvakati wandei.

4. Emergency fund

Kumhuri yega yega, kuchengetedza kwechimbichimbi kwakakosha. Iwe unogona kuzorora zviri nyore nekuchengetedza mwedzi mishoma yemitengo kudzivirira matambudziko emari. Wepakati munhu anogona kutenga pakati 3 uye 6 mwedzi yemitengo. Nekudaro, mari yako chaiyo ichave yakasiyana zvichienderana nemuhoro wako.

5. ETFs uye index mari

Zviri nyore kuchengetedza mari nekudyara. Iyo account yebrokerage inobvumidza iwe kuwedzera zvidiki uye kuisa mari nguva dzose. Izvi zvinogoneka neETFs uye index funds. Iyo inzira yakanaka yekuisa mari kwenguva refu.

6. Foni itsva

Zvingave zvakakodzera kusimudzira kana foni yako yakura. Zvisinei, hadzisi nguva dzose dzakachipa. Kuchengetedza mari kunogona kuita mutsauko mukuru kana chido chako chiri tekinoroji kana ukaronga kuishandisa kazhinji.

7. Laptop

Zvakakodzera kuisa mari mulaptop kana uchigona kushanda uri kure. Izvi zvinogona kubatsira pakunyora, kushanda, uye kuita mapurojekiti epadivi. Vane mitengo yakasiyana, saka iva nechokwadi chekuita tsvakurudzo yako usati waisa zvinangwa zvako zvekuchengetedza.

8. Zvishandiso zvinovandudza hupenyu hwako

Mamwe maapplication anoda kunyoreswa kwepamwedzi, kwegore, kana kwegore rimwe. Nekudaro, kana ukaronga kushandisa iyo app kazhinji, zvingave zvakakosha. Unogona kuwana mapurogiramu anokubatsira kubata mari yako, kusimba, uye kurara.

9. Kunyoresa

Izvi zvinoshandawo kune zvinotevera Dzimwe nguva zvakakosha kubhadhara kunyoresa.. Iwe unogona zvakare kuchengetedza yekutepfenyura TV kana kudya kwevhiki kana kuri kubheja kwakachengeteka.

10. Mafashoni anogara aripo

Panzvimbo pekutenga zvipfeko mwaka wega wega, wadii kuchengetedza mari yekutenga zvigadzirwa zvinogara zvakadaro uye zvemhando yepamusoro? Zvinokwanisika kugadzirisa zvakare zvipfeko. Zvichakubhadhara zvishoma pakutanga, asi zvinhu zvinogara kwenguva yakareba. Iwe unenge uchibatsirawo vamwe uye nharaunda.

11. Shangu dzemhando yepamusoro

Shangu dzemhando dzakanaka dzinogona kugara kwemakore mazhinji. Kunyangwe mutengo wekutanga ungave wakakwira, ne el tiempo Iwe uchachengetedza mari uye unopedzisira uine shangu dzakanaka, dzakasimba dzaunogona kupfeka kwehupenyu hwose.

12. Mental Health Day

Tinogona kuneta nemaitiro edu ezuva nezuva kubasa uye kumba. Iwe unogona kurwisa kuneta nekuchengetedza zuva rehutano hwepfungwa Unonzwa kunge uri mukuremerwa nepfungwaPamwe inguva yekuti utore zuva rekuzorora. Ita runyoro rwezviitwa zvinokufadza uye tanga kuzvichengetera.

13. Zvakaitika

Iyi inzira yakanaka yekushandisa mari yako pane zvakaitika. Inogona kuva kuravira kwewaini, kukwira bhasikoro kana rafting. Ita shuwa kuti unosarudza chimwe chinhu chaunoda uye kukoka shamwari dzako. Kana iwe uchigovera, unogona kuderedza mutengo.

14. Kosi yemari

Zvakakodzera kudzidza pamusoro pemari. Tsvaga kuti ndeapi makosi anowanikwa munharaunda yako kana online. Ratidza zvaunofarira iwe: kutengeserana kwezuva, bhajeti, kana kuisa mari. PaClever Girl Finance tine anopfuura makumi matatu emahara makosi emari yako pachako.

15. Mahedhifoni

Vanhu vazhinji vanoshandisa mahedhifoni mazuva ese. Iwe unofanirwa kutsvagisa maficha uye mabhureki kuti uve nechokwadi chekuti unowana maviri mahedhifoni anozogara.

16. Real estate investments

Unogona kutanga kutarisa muREITs kana kuchengetedza kuti utenge chivakwa chekurojesa. Iwe unogona kuwana mari yekungoita nayo mune ramangwana. Ichi zvakare chimwe chezvinhu zvaunofanira kuchengetedza.

17. Mari mune art

Iwe uri muimbi ane tarenda rekudhirowa nekupenda? Inogona kuva mari yakanaka kana iwe uchiziva mhando dzakasiyana dzeunyanzvi uye kuti dzinoshanda sei.

18. Zvinokwanisika kutanga bhizinesi

Kugadzira kambani kunosanganisira mari zhinji. Nekudaro, mabhizinesi mazhinji anofanirwa kutanga kumwe. Unogona kutanga kuchengetedza mari yezvinhu zvakaita semidziyo, marezinesi, uye homwe yekukurumidzira.

19. Zvidzidzo zvekudzidza mutauro

Iwe uchawana rumwe ruzivo uye uchave nemikana yakawanda yekudzidza mutauro wechipiri. Anwendung, chirongwa, mudzidzisi kana chidzidzo chinogona kukubatsira kudzidza mutauro wekunze. Uhu huchava hunyanzvi hunokosha hwaunogona kushandisa kwehupenyu hwako hwose. Yakanakirawo zvekuzvivaraidza.

20. Unogona kushandisa mapurogiramu emakombiyuta kuti akubatsire nebhizimisi rako nebasa

Iwe unogona kunge uine mashoma mapurogiramu aunoda kutenga gore rega rega kune bhizinesi rako kana komputa yako. Ipfungwa yakanaka kutanga kuchengetedza pazvirongwa izvi, sezvo vachigona kuwedzera nekukurumidza.

21. Fitbit Tracker

A fitness tracker ichakubatsira iwe kutarisa maekisesaizi ako uye hutano. Unogona kuva nemudzidzisi wako wega! Midziyo iyi inofarirwa zvikuru nekuti inoyeuchidza vanhu kurovedza muviri uye kurarama hupenyu hune hutano.

22. Digital kamera

Kamera yedhijitari yakakosha kune vanotora mifananidzo uye chero munhu anoda kuve mumwe. Digital makamera anogona kukubatsira kutora mifananidzo iri nani uye kuwedzera hunyanzvi hwako nhanho. A hobby yakanaka kuchengetedza mari yekutenga kamera yakanaka.

23. Kumhanya shangu

Shangu dzakanaka dzekumhanya uye dzekufamba dzakakosha. Vachakupa rutsigiro rwakawanda uye nyaradzo, izvo zvinogona kubatsira pamararamiro ako.

24. Zvinhu zvekuzorora

Pamwe, kana zvaunofarira kana mitambo zvichikusanganisa iwe, dzimwe nguva unotenga zvekushandisa. Mabhurashi uye yoga mats zvingori zvishoma zvezvinhu zvakawanda zvaungade. Iwe unozokwanisa kupa zvaunogona nemhando yepamusoro zvigadzirwa.

25. Smart alarm wachi

Zvigadzirwa izvi ikudyara kwakanaka kunokubatsira iwe kuchengetedza maitiro. Izvi zvichakubatsira iwe kurara zviri nani uye zvakanyanya kuzorora.

26. Mibhedha yemhando yepamusoro uye machira

Kuchengetedza mari kuti urare zviri nani isarudzo yakangwara. Mashizha akanaka emhando yepamusoro uye yekurara ine shinda yakakura kuverenga inodhura, asi yakakosha mari.

27. Metiresi yakanaka

Metiresi yakagadzika inogona kuve yakakosha mari muhupenyu hwako. Kurara kurinani kuchakutungamirira kuhupenyu hunofadza.

28. Akaundi yekuchengetedza utano

Unogona kuvhura account yekuchengetedza hutano kana ukasangana nezvinodiwa. Iyi account inogona kukubatsira kubhadhara mari yekurapa mune ramangwana. Iyi isarudzo huru kune vanhu vazhinji. Kunyanya kana kambani yako inowedzera mari.

29. Mabhuku aunoda kuverenga

Bhuku rakanaka rakatevedzana rakakodzera kana iwe uri muverengi wenguva dzose. Unogona kudzidza zvakawanda uye kunakidzwa kwemaawa.

30. Makirasi ekutamba

Iwe unoda kudzidza kutamba salsa uye swing? Iwe unogona kutenga akati wandei ekutamba makirasi panguva imwe chete. Zviri nyore kudzidza zvekutanga uye chiitwa chinonakidza.

31. Zvidzidzo zvekurwa

Martial arts makirasi anogona kuve nzira yakanaka yekuchengetedza ramangwana. Iwe unogona kuona kuti ndeupi rudzi rwekarati rwaunonyanya kufarira uye wobva waona kuti makirasi mashoma, makirasi evhiki, kana makirasi emwedzi angakubhadharira.

32. Zvidzidzo zveYunivhesiti

Zvinokwanisika kutenga makosi ekuyunivhesiti mune zvakasiyana siyana zvezvidzidzo. Iwe hauzozvidembi kushandisa mari shoma kudzidza chinyorwa chinokufadza iwe.

33. Fanicha yakanaka yekushongedza imba yako

Waneta nesofa rawave nemakore makumi maviri? Kutenga fenicha kunogona kudhura, asi iwe uchakurumidza kuwana mari yaunoda.

34. Espresso kana espresso muchina

A high-end coffee maker kana espresso machine ndiyo yakanakisisa kutenga kana iwe uchida kofi uye tora nguva yekuigadzira. Michina iyi inogona kudhura, asi inogona kupedzisira yakuchengetera mari kana ukagadzira kofi mazuva ese.

35. Midziyo yemumba

Kushungurudzika nefiriji yako kana dishwasher? Chengetedza mari kutenga mudziyo mutsva. Nenzira iyi unenge uine mari paruoko kana ikarega kushanda.

36. Zvinhu zvekushongedza zvemukati

Kushongedza nzvimbo yako kuchawedzera kukosha uye kugadzira imwe nzvimbo inogamuchirwa. Zvakakosha kuti unyatsoita bhajeti kuti usapinda muchikwereti. Iwe unozofanirwa kuona zvaunogona kutenga usati watenga pendi, hunyanzvi, uye zvimwe zvinhu.

37. Gymnastics midziyo

Unogona kuchengetedza mari pamidziyo yemumba kana uchinge uine chirongwa chekudzidzisa. Iwe unogona kuchengetedza hutano hwako uye kusimba nemabhasikoro ekurovedza muviri, uremu michina, uye matreadmill.

38. Kunyora mapurogiramu

Chirongwa chekugadzirisa isarudzo yakanaka kune vadzidzi vane basa rakawanda redzidzo rekuita kana vari mushishi kuinyora. Aya mapurogiramu haanyanyi kudhura uye anogona kuzvipa mari.

39. Kuronga Kwekudya Kwekudya

Kunyoresa kuchirongwa chekudya isarudzo huru kana iwe uine nguva pfupi asi uchida kudya zvine mwero. Zvinokwanisika kuenderera mberi nekuishandisa kwenguva yakareba kana chiri chinhu chaunoda.

40. Smuck

Kunyange zvazvo zvishongo pasina mubvunzo chiri chinhu cheumbozha, zvakanaka kuva nezvimwe zvishongo zvakanaka. Kana usina chikwereti, chinhu chaunogona kuchengetedza.

41. Traditional IRA, Roth IRA

Kunyangwe uine zviwanikwa zvishoma, zvinokwanisika kuvhura account yekurega basa. Inzira inoshamisa yekuisa mari mune ramangwana rako. Iwe une zvakawanda zvingasarudzwa zvemitero neRoth IRA uye tsika dzeIRA. Waunoshandira anogona kukupa iwo.

42. Home Security System

Chengetedzo system ipfungwa yakanaka kune chero imba. Iwe une zvakawanda zvingasarudzwa, kubva kumadhinairi ekufambisa kuenda kumakamera nemabhero emusuwo, anosanganisira kuvheneka, mwenje uye madhigirii ekufambisa. Zvigadzirwa zvakachipa zvinoita $100, uyezve mitengo inokwira.

43. Chiridzwa chemimhanzi

Chengetedza mari yechiridzwa chemumhanzi kana uchifarira imwe hobby itsva. Kuti uve nechokwadi chekuti unonakidzwa nekuridza chiridzwa uye kuwana zvakanyanya kubva pachiri, edza mamwe mavhidhiyo kutanga.

44. Materevhizheni ari kuwedzera

Zvinonakidza kushandisa tekinoroji, asi dzimwe nguva unoda TV inogara kwenguva. Ita shuwa kuti unoita tsvakiridzo yakakwana kuti uwane imwe inoenderana nezvido zvako uye bhajeti rako remari.

45. Vatauri vatsva

Vatauri vatsva ikudyara kukuru kana iwe uchida mimhanzi nemabhaisikopo. Vatauri ava vanowanikwa mumitengo yakasiyana-siyana, saka zvakakosha kutora nguva yekuona zvaunoda uye kwaunoronga kuzviisa.

46. ​​Mota yekuchenesa kit

Ivo vakakwana kune avo vanoda kuchengetedza mota yavo uye haina kudhura zvakanyanya. Mamwe anodhura kupfuura mamwe, asi iwe unogona kuwana emhando yepamusoro sarudzo nemari shoma se $100.

47. Art kuratidzwa, museum kana show

Zviri nyore kuisa parutivi mari yekunakidza art show, show, kana miziyamu inogara isingasviki mwedzi.

48. Bindu Supplies

Yave kuda zhizha, zvinoreva kuti yave nguva yekutanga kurima gadheni.

49. Ergonomic office furniture

Kana iwe uchipedza nguva yakawanda uchishanda kubva kumba, iwe unofanirwa kufunga nezvekudyara muhofisi fenicha kudzivirira aches nemarwadzo. Iwe unogona kutarisira kushandisa pakati pemazana mashoma uye mashoma zviuru zveeuro pane ergonomic hofisi fenicha.

50. Makirasi ekubika

Iwe unoda kudzidza kubika kana kugadzira chikafu chiri nani kumba? Tora kirasi yekubika kuti udzidze zvakakosha. Iwe unonakidzwa nekuchengetedza kuti uwane chimwe chinhu chaunogona kushandisa mazuva ese.

51. Zvakakosha kuisa mari mukutanga-ups

Munhu anodyara mari anogona kuisa mari mumakambani ekutanga. Iwe uchada imwe ruzivo, asi inogona kukuita iwe mari.

52. China uye high quality tableware

Yepamusoro-mhando dinnerware yakakosha pakuvaraidza. Inogona kuchengeterwa nhengo dzemhuri senhaka, kana zviitiko zvakakosha.

53. Tora inishuwarenzi yemotokari mberi

Iwe unogona kuchengetedza mari yekubhadhara mari yako yemwedzi nemwedzi yeinishuwarenzi yemotokari. Iwe unogona kuderedza kushushikana nekuita kuti bhiri remotokari yako ribhadharwe pachine nguva.

54. Chengetedza mari paimba yako nezvikwereti zvako

Zvinokwanisika kuchengetedza mari yekubhadhara kwese senge mbanje, mabhiri einternet uye chero mari ipi neipi. Imhando yehomwe yechimbichimbi inogona kukubatsira kuti uwedzere kubudirira mune zvemari.

55. Gadzirisa imba yako

Kuvandudza chinhu chaunofanira kufara nacho. Iwe unogona kuchengetedza mari nekuwedzera kamuri kumba kwako. Kunyangwe mabasa aya achigona kudhura, unogona kuita basa rakakura nemutengo unokwanisika kana uine moyo murefu uye zvakakwana.

Maitiro ekuchengetedza mari

Iwe waita sarudzo yekutenga chimwe chinhu kubva pane iyi runyorwa, kana chimwe chinhu chawanga uchifunga nezvazvo. Unganzwa sokuti haugoni kuchengetedza mari. Izvi zvinogona kuitika nekuda kwezvikonzero zvakawanda zvakasiyana. Chikonzero chinonyanyozivikanwa kurega doro Vanhu vekuAmerica vanowanzoomerwa nekuchengetedza mari yakawanda nekuda kwemabhiri kana zvimwe zvikonzero.. Unganzwa kuodzwa mwoyo kana kusakwanisa kuchengeta mari yakakwana.

Unogona kuchengetedza chikamu chemari yako

Vamwe vanhu vanosarudza kushandisa nzira yezana. Zvisinei, 20% inzvimbo yakanaka yekutanga yekuchengetedza. Kuchengetedza 10% yemubhadharo wega wega unogona kushandiswa kutenga chinhu kana kuchiisa. Unogona kuchengetedza mari iyi mumaakaundi akasiyana kuti ikure. Pakupedzisira iwe uchava nemari yakakwana yekuita zvaunoda, izvo zvinowanzogoneka pasina kuchinja kukuru kumararamiro ako.

Yese mari yako yakawedzerwa inogona kuchengetwa

Iyi nzira yakanyanyisa uye yakanakira kuchengetedza mari kune chimwe chinhu chakakosha kana chikuru, sekubhadhara pasi kana mota. Tanga bhizinesi repadivi kana kuwana mari shoma kuti uchengetedze mari. Iwe uchaona kuti mari yako inowedzera sei, asi iwe unofanirwa kugara uripo.

Kurarama Usina Mukana

Kunyangwe kurarama zvisina mari kuchigona kuve tsika huru, ichasvika nguva yauchafanira kuderedza mari yako yekushandisa kuti uwane chokurarama nacho. Iva wakadzikama uye chengeta zvinangwa zvako mupfungwa. Iwe unofanirwa kutarisa nzvimbo dzehupenyu hwako kana bhajeti kwaunogona kushandisa zvishoma, kana kubvisa kushandisa zvachose. Mari yaunowana ichawedzerwa kumari yese yaunoshandisa kubhadhara zvinhu izvi. Iwe unozokwanisa kuchengetedza mari nekukurumidza kana ichi chiri chinangwa chako.

Unogona kuchengetedza mari pazvinhu zvinotevera: Pfungwa dzekupedzisira

Zvakakosha kuchengetedza kutenga chimwe chinhu chakakosha, saka zvakakosha kuti uve nezvinangwa zvekuchengetedza kwako. Izvi hazvingokubatsiri kutenga zvinhu zvaunoda, asi zvichakudzidzisawo kushivirira, nguva uye kutsungirira. Iwe unozokwanisa kushandisa chinhu kwemakore akawanda. Zvakakodzera kushanda nesimba.