Mune yunivhesiti yekare kare yenyika, Brown University, iyo inonzi inonyanya kuve yakakurumbira muAmerica, yakaita hurukuro yakawanda yemararamiro emunhu. Chinangwa chayo chaiva chekuona kubatana kwemaitiro evanhu uye kubudirira kwepfuma. Chidzidzo chacho chakagara kwemakore mashanu, uye chakabatanidzwa mukati maro chaive nevanhu vanopfuura 150 000 kubva mumhuri 50, mune mari yakawanikwa, uye isina nhaka. Mushure mokugadzirisa dheta uye nekudzidza zvigumisiro, vatsvakurudzi vakagadzira urongwa hwemiitiro inobatsira, mushure mekunge munhu achange akapfuma nokukurumidza kana kuti gare gare.
Imwezve mhepo yekuwana mari
Vanhu vazhinji vapfumi vane zvinyorwa zvinopfuura chimwe chebatsiro. 67% yevapfumi inokonzerwa nemamwe mabhizimusi anounza mari. Uye izvi hazvisi kungoita mari. Vaya vasina mari yekusungirwa mari, vanowana mabasa mashomanana kuti vave navo, uye vozowanda, kusanganisira kuburikidza nemari, kuzarura bhizinesi ravo, kudzidziswa. Vanonzwisisa kuti nguva yavo isingabhadharwi mari, uye vanoedza kuigadzira nenzira yakadai yekuwedzera matarenda avo nemikana. Pakati pevarombo, 6% chete vane tsika yekutsvaga mamwe magetsi emari.
Kuverenga kwezvenyanzvi mabhuku
Vanenge makumi mapfumbamwe kubva muzana vevanhu vakapfuma vanodaro tsika inotenderwa yekubudirira mune zvemari kutarisa ruzivo runoita unyanzvi hwemhizha. Nguva dzose kuverenga mabhuku anokosha kunobatsira kuwedzera unyanzvi hwemunhu, kukwira kune imwe itsva muhupenyu uye kuwana mari inowirirana nezivo uye nzvimbo yakakwirira. Kazhinji vanhu vakapfuma vanong'un'una kuti vane nguva shomanana yekuverenga mabhuku eumhizha, nokuti mabhizinesi mabhuku anoramba ari chinhu chinokosha. Vanhu vanotora mari shoma, kana vachiverenga (uye izvi zvinongova 11% chete), vanoita izvi chete nokuda kwekunakidzwa uye vanosarudza mabhuku anobudiswa emhando. Zvisinei, muhuwandu hwakawanda, havaverengi chinhu zvachose.
Budget Planning
Budget kuverenga ndiyo tsika isina mhirizhonga ye 84% yevanhu vakapfuma. Vanonyatsoronga mari yavo ye mwedzi, gore uye vanoita zvose kuti varambe vari mubhajheji. Kuchengeta zvinyorwa zvemari zvinorayira uye zvinokubvumira kuona mufananidzo wose wemari uye mari. Vanhu vakapfuma havatombovipo pamagumo emwedzi wekushungurudzika, kwavakashandisa mari. Mari yavo inogara ichigadzirirwa, uye kunyange iyo iyo yezvinhu zvinodhura izvo zvichange zvisingafanoonekwi, ivo vakafunga zvakare. Vanhu vari pedyo nekukumbira, havatombogadziri zvirongwa zvepfuma yakareba. Uye 20% chete yevhareji vagari vanogadzirisa zvirongwa zvavo.
Kushandiswa kunonzwisisika
Vanhu vakawanda vanobudirira mune zvemari, kusiyana nevanhu vasina kubudirira, havazvibvumi kuti vashandise, izvo zvisingakwanisiki nemari yavo. Kuti vave vapfumi pachavo, vane ramangwana vanomanikidzwa kuchengetedza, kusanganisira pahutano. Vanopedza mari vachishandisa mari, vachigadzirisa zvinhu zvakakosha pakushandisa. Somuenzaniso, kana pane mubvunzo wekusarudza pakati pemotokari inodhura uye yakakwirira, pakutanga vanotora motokari inodhura kuti isarega zvimwe zvinodiwa uye usapinda mune chikwereti. Murume anongoraramisa, asi ane tsika yekutora zvinhu zvinodhura pachikwereti, uye kazhinji, anorarama mune chikwereti, haasati abuda zvachose.
Kuunganidza mari
Nhamba dzinoratidza kuti 93% yevanhu vane mari inoshamisa, vanogara vachidzorera mari. Hazvina basa kuti yakawanda sei. Chinhu chikuru ndechekuti yakava tsika uye yakava chiremera chenguva dzose. Nokudaro, vakasika mari "kuchengetedza kuchengetedza", uye yakawanda, iyo yakavabvumira kuwedzera mari yavo uye kuva vapfumi. Varombo vanowanzochengetedza kana kuchengetedza mari, vachitsanangura izvi kuburikidza kuti kuchengetedza kubva pamari miduku zvichange kusina kunyanya kukosha, izvo zvinoreva kuti hapana chikonzero chekudzosera. Pane imwe nharo: havazokwanisi kurarama kunze kweiyo kunyange 10%, iyo inofanirwa kugadziriswa kuchengetwa. Zvisinei, maererano nedzimwe nyanzvi, mumamiriro ezvinhu ose, zvinonzwisisika kutanga kutanga kuunganidza mari, zvisinei kuti zvishoma sei "inviolable stock" haina kuonekwa.
Simba rezvemari
Vana vanokura uye vakakurira mumhuri dzakapfuma vanowanzotora bhizinesi remhuri uye ruzivo rwekuvaka. Izvi zvakasikwa, sezvo mwana pakutanga aine muenzaniso wemari wekubudirira wekutarisira bhizinesi remhuri. Haafaniri kutanga "bhasikoro". Akatotanga kuumbwa nababa vake kana sekuru. Vanhu vasina ruzivo, uye vanobva kumhuri dzine urombo, vanofanira kuvaka pfuma yavo pachavo nezvidhinha. Kwavari, chiremera chemubereki mune bhizinesi chinotsiva chiitiko chevamwe vanhu vanobudirira vakawana nzvimbo dzakakwirira mumabhizimisi avo, uye vakagadzirira kugovana ruzivo rwavo uye ruzivo. Vakawanda vehupfumi vemazuva ano vakagadzirisa nzira yavo yekubudirira mune zvemari pamwe nerubatsiro rwemutevedzeri. Vakamuwana ari pedo yevazivana navo kana zvakasungirirwa hukama hutsva hunobatsira nemurume anoziva kupfuma. Zvishongedze nevanhu vanobudirira, vane chinangwa - tsika inobatsira zvikuru.
Global Goals
Vapfumi vazhinji vakapupura kuti chinangwa chikuru chakaita kuti vabudirire. Kune mumwe munhu waive chiyero chakakwana, uye mumwe munhu akangokura maitiro ake, uye haana kuvimba nemari, asi pamusangano webhizimisi, iyo yakazoshanduka ikava mari yakawanda-iyo. Vanhu vane chiyero uye mari shoma inowanzotya kuisa zvinangwa zvekuda. Uye pasina! Zvakakosha kurondedzera chinangwa chinonakidza, kutora mitoro uye kusimbisa kusimbisa kwayo. Uye kuenda kuvanhu varo vanobudirira vanopa mazano mashomanana, kureva, kuputsa kurota kwezvinangwa zviduku. Saka basa racho rinoratidzika rinobvira uye rinogoneka.
Passive mari
Vose vane mamiriyoni uye mabhiriyoni ane mari isina mari. Hazvigoneki kusvika panzvimbo yakadaro pasina kukwezva mhepo, iyo nzira inouya pasina kushingaira kubatanidzwa nayo. Pfuma inosanganisira: kubhadhara mari, kubhadhara uye kuvimba kwemari, kuchengetedzwa, kubhadhara kwemaimba kana pfuma, mabhizimisi, mararamiro, nezvimwewo (semuenzaniso, nziyo inozivikanwa munyika yose "Happy Birthday To You!" Company- uyo ane kodzero inogamuchira gore rinenge madhora maviri emadhora). Varombo vanhu havawani nguva uye mukana wekudzidza nharaunda yekuwana mari, nokuti vanoramba varombo.