Mukati
Iwe unorarama mubhadharo wekubhadhara uye haugone kuchengetedza chero chinhu? Kana, pane zvinopesana, usazvibvumira chimwe chinhu chakawedzerwa, kunyange zvazvo nzira dzichibvumira? Unogona kunge wakagara nhaka maitiro aya kubva kuvabereki vako. Nzira yekubvisa sei mhuri yemari "kutuka"? Hezvino izvo vanoronga zvemari vanorayira.
Mushambadzi uye muongorori wenhau dzemagariro Maria M. akafunga kuti akakurira mumhuri ine urombo. Amai vake, amai vemba, vakatarisira bhajeti remhuri zvakanyanya mune zvehupfumi uye havana kushandisa mari pane chero chinhu kunze kwechikafu uye mabhiri ekushandisa. Zviitiko zvemhuri zvaisanganisira kufamba mumapaki emuguta uye nzendo dzekuenda kumakofi ekuzvarwa.
Maria paakapedza kudzidza kuyunivhesiti ndipo paakaziva kuti baba vake, mainjiniya epurogiramu, vaiita mari yakanaka. Sei amai vainyima kudaro? Chikonzero chaive hudiki hwake hurombo mumusha: mhuri huru yaisakwanisa kuwana mari. Manzwiro ekushaya mari nguva dzose akaomerera paari kweupenyu hwose, uye akapfuudza zvakaitika kwaari kumwanasikana wake.
“Ndinoganhurira zvakakomba bhajeti,” Maria anobvuma kudaro. Anogona kurarama munzira huru, asi pfungwa yokupfuura mari shoma inodiwa inomutyisa: “Ndinonzwa musanganiswa wechienzi wokutyisa uye kufara kwoupengo uye handigoni kuita chisarudzo.” Maria anoenderera mberi nekudya zvakaomeswa nechando, haadi kuvandudza wadhiropu yake uye kutenga komputa itsva.
Mari Yako DNA
Maria "akatapukirwa" nekusabhadhara zvakanyanya kubva kuna amai vake uye anodzokorora maitiro akafanana aakakurira. Vazhinji vedu tinoita zvimwe chete uye hatizive kuti tiri kushanda mukati memaitiro ehunhu.
“Ongororo yatakaita inoratidza kuti mafungiro atinosangana nawo panyaya dzemari muhuduku anotungamirira zvisarudzo zvedu zvemari gare gare muupenyu,” anodaro Edward Horowitz, chiremba wepfungwa paCreighton University (Omaha).
Maonero evana pamusoro pekubata mari anotibata nenzira dzakasiyana. Kana ukatarisira mari yako nokuchenjera, kushandisa zvakawanda sezvaunokwanisa, kubhadhara zvikwereti zvako nenguva, unogona kutaura izvi kutsika dzakanaka dzemari dzakagarwa nhaka kuvabereki vako. Kana iwe uchiwanzoita zvikanganiso zvemari, dzivisa kuchengeta bhajeti uye kuchengeta nhoroondo yebhangi, amai vako nababa vangave chikonzero.
Kwete chete nharaunda yedu inogadzirisa maitiro edu emari, genetics inoitawo basa.
“Vana vanodzidza kubva kumamodheru aripo. Tinotevedzera maitiro evabereki vedu, anotsanangura kudaro Brad Klontz, chiremba wepfungwa paCreighton University. "Hatingayeuki maonero chaiwo evabereki pamusoro pemari, asi padanho rekusaziva, vana vanogamuchira zvakanyanya uye vanotora muenzaniso wevabereki."
Haisi chete iyo nharaunda inogadzirisa maitiro edu emari, genetics inoitawo basa. Chidzidzo chakabudiswa mu Journal of Finance muna 2015 chakawana kuti vanhu vane mutsauko wejini rimwe chete, pamwe chete nedzidzo yezvemari, vanoita sarudzo dzezvemari dziri nani kupfuura vanhu vakadzidza vasina gene mutsauko.
The Journal of Political Economy yakaburitsa imwe ongororo: maitiro edu pakuchengetedza chikamu chimwe muzvitatu zvinoenderana nemajini. Imwe ongororo yakaitwa paYunivhesiti yeEdinburgh - yakaratidza hunhu hwekugona kuzvidzora. Izvi zvinogona kuva chinhu chakakosha pakuona zvishuwo zvedu zvekushandisa kunze kwekudzora.
Kubvisa muenzaniso wenhaka
Hatigoni kuchinja majini edu, asi tinogona kudzidza kuziva miitiro yakaipa yemari inoiswa nemaitiro edu evabereki. Heino chirongwa chetatu-chakagadzirwa kuti uzvisunungure kubva pakutuka kwemari yemhuri.
Danho 1: Ziva nezvekubatana
Funga kuti vabereki vako vakakanganisa sei ukama hwako nemari. Pindura mibvunzo mishoma:
Ndedzipi mitemo mitatu ine chekuita nemari yawakadzidza kuvabereki vako?
Ndeipi ndangariro yako yekutanga ine chekuita nemari?
Ndechipi chiyeuchidzo chemari chinorwadza zvikuru?
Chii chaunonyanya kutya nemari izvozvi?
"Mhinduro dzemibvunzo iyi dzinogona kuratidza maitiro akavanzika akadzama," anotsanangura kudaro Prof. Klontz. — Somuenzaniso, kana vabereki vako vasina kumbotaura nezvezvemari, ungasarudza kuti mari haikoshi muupenyu. Vana vakakura nevabereki vanodya mari vanopinda mungozi yokugara nhaka chitendero chokuti kutenga zvinhu kuchavafadza. Vanhu vakadai vanoshandisa mari sebhandi remupfungwa kumatambudziko ehupenyu. "
Nokuenzanisa maitiro ehama neyedu, tinozarura mukana wakasiyana-siyana wekuita shanduko dzakanaka mumuenzaniso wakagadzwa. "Paunoona kuti uri kutamba script yevabereki vako kana sekuru naambuya, inogona kuve chizaruro chaicho," anodaro Klontz. — Vazhinji vanozvipa mhosva nokuda kwokurarama kupfuura pfuma yavo uye kusakwanisa kuchengeta chinhu chipi nechipi. Vanofunga kuti vari mudambudziko rezvemari nemhaka yokuti vanopenga, vane usimbe, kana kuti mapenzi.”
Paunoona kuti matambudziko ako akadzika midzi munguva yakapfuura, une mukana wekuzviregerera uye kukudziridza tsika dziri nani.
Danho 2: Dzvanya mukuferefeta
Ukangoona kuti vabereki vako vakapfuudza tsika dzemari dzakaipa kwauri, tsvaga kuti nei vakadzigadzira. Taura navo nezvehudiki hwavo, bvunza zvavakadzidziswa nevabereki vavo nezvemari.
"Vazhinji vedu vanodzokorora zvinyorwa kubva kuchizvarwa kuenda kune chimwe chizvarwa," anodaro Klontz. "Nekuona kuti uri kutamba chinzvimbo chemumwe mutambi mumutambo wakashata, unogona kunyora zvakare script iwe pachako uye nezvizvarwa zvinotevera."
Klontz akakwanisa kunyora zvakare chinyorwa chemhuri. Pakutanga kwebasa rake, aive nematambudziko akakomba emari mushure mekusabudirira kwekudyara kwengozi mune imwe yekutanga-ups ye2000s. Mai vake vaigara vakangwarira mari uye vaisamboisa njodzi.
Klontz akafunga kubvunza nezve nhoroondo yemari yemhuri, achiedza kunzwisisa maitiro ake ekuita zvine njodzi. Zvakazoitika kuti sekuru vake vakarasikirwa nemari yavo munguva yeKuderera Kukuru uye kubvira ipapo havana kuvimba nemabhangi uye vakaisa mari yose muwadhiropu muimba yepamusoro.
“Nyaya iyi yakandibatsira kunzwisisa kuti sei amai vangu vachiremekedza mari kudaro. Uye ndakanzwisisa maitiro angu. Ndakafunga kuti kutya mhuri kwakatipinza muurombo, naizvozvo ndakaenda kune rumwe rutivi ndokusarudza mari ine ngozi yakatungamirira kukuparara kwangu.
Kunzwisisa nhoroondo yemhuri kwakabatsira Klontz kukudziridza nzira dzisina njodzi dzekudyara uye kubudirira.
Danho rechitatu: Reflash Habits
Ngatitii vabereki vaidavira kuti vanhu vose vakapfuma vane utsinye, saka kuva nemari yakawanda kwakaipa. Wakura uye unoona usingakwanise kuchengetedza nekuti unoshandisa zvese zvaunowana. Tanga wazvibvunza kuti sei waita tsika iyi. Zvichida vabereki vakashora vavakidzani vane rombo rakanaka, vachiedza kururamisa urombo hwavo.
Zvadaro funga kuti mashoko evabereki vako ndeechokwadi sei. Unogona kufunga seizvi: “Vamwe vapfumi vane makaro, asi vakawanda vanobudirira mune zvebhizimisi vanoedza kubatsira vamwe vanhu. Ndinoda kuva akadaro. Ndichashandisa mari kubatsira mhuri yangu uye kubatsira vamwe vanhu. Hapana chakaipa nekuva nemari yakawanda. "
Dzokorora izvi pese paunozvibata uchidzokera kumaitiro ekare. Nokufamba kwenguva, chitima chitsva chepfungwa chichatsiva pfungwa yakagarwa nhaka iyo inowedzera tsika yekushandisa.
Dzimwe nguva zvinogona kuoma kurarama nemaitiro ega ega ega. Muchiitiko ichi, nyanzvi dzepfungwa dzinogona kuuya kuzonunura.
Munyori - Molly Triffin, mutori wenhau, blogger