Kutengesa paBay kunogona kunge kunofadza, asi kune mumwe murume nemudzimai zvaireva kubhadhara $ 77,000 mubhadharo yevadzidzi mumakore matatu chete. Kate nemurume wake Josh vakakunda gomo rekwereti kuburikidza vachishandisa Dave Ramsey's principles, eBay, uye chirango. Ndakanga ndine ropafadzo yekubvunzurudza vamwe veBay mutengesi, Kate, uyo aiva nemoyo munyoro kuti agovere nyaya yake. Kwereti yaKate yakaitwa muna 2008, uye murume wake Josh chikwereti akabudiswa muna 2005.
Vakatanga kubhadhara chikwereti chavo muna August wegore ra2014. Kana uri kutarisana negomo rechikwereti, ruzivo urwu ruchakukurudzira kuti uritore, uye kuratidza iwe kuti eBay inogona kutamisa makomo.
Wakaenda kune kojiji, zvii zvipi zvawakawana, uye dzidzo yako yakatora nguva yakareba sei?
Josh akaenda kuChiKristudhomu College mu Front Front, VA uye ini ndakaenda kuYunivhesiti yeKaturike muWashington, DC Josh akasiya mushure megore rake rokutanga nekuda kwematambudziko emari uye ndakasara mushure megore rangu rokutanga mushure mekuziva kuti ini ndoga ndingadai ndiri $ 100,000 mune chikwereti kuti ndiwane Bachelor's degree kana ndikapfuurira ipapo. Isu tose takadzokera kumba tikaenderera mberi nedzidzo yedu paOnondaga Community College (OCC) muSyracuse, NY.
Josh akanga achidzidza kururamisira uye achidzidzisa chiLatini nguva yakazara pane imwe nzvimbo yechikoro chechikoro cheKaturike. Akaramba achishandura nzira yake yekoroji apo paakasarudza kuti aida kupfuurira basa mune dzidzo uye akapedza kupedza Bachelor's degree muSyracuse University paaishanda nguva yakazara semudzidzisi uye nguva imwe pa Target.
Ndapedza dhigirii yevadzidzi vangu paOCC uye ndakaenda kuSyracuse kune semester. Ndakapedzisira ndadzokera kuOCC mushure mokunge ndagamuchirwa purogiramu yePhysical Therapist Assistant panguva yekuwa kwegore ra2011. Isu tose takapedza muChitsuwa chegore ra2013 uye takaroora iyo yechando chaiyo, tichifara tisingatombozivi nezvekwereta kwatakanga taita pamwe chete.
Ndezvipi zvaive zvikamu zvepakutanga zvezvikwereti zvevadzidzi?
$ 77,000 yakasvibiswa pakati pezvikwereti zviduku zvishoma zvekudzidzira kwedu.
Wakanzwa sei nekuda kwemari yakawanda kudaro?
Gore iroro rokutanga rowanano takanga tichityisa nemari. Takanga tisina bhajeti uye takanga tisina kutarisa muchikwereti chevadzidzi vedu sezvo vazhinji vavo vakanga vachiri kushandiswa. Tose takanga tichishanda nguva yakazara, Josh kudzidzisa uye ini sePTA mune imwe kliniki yomunharaunda. Patakaona mhuri yedu ichikura kubva 2 kusvika ku3 Josh akatanga kutsvaga mabasa aizomubvumira kutsigira mhuri yedu. Isu isu tiri vaviri kubva kumabvazuva kwegungwa saka nenzira yepakutanga iye akaisa pfungwa dzake munharaunda iyi yeU.S. asi apo mukana mukuru wakazviratidza muMinneapolis, MN takasarudza kuenda kumadokero kwebasa iro. Ndakanga ndava nemwedzi minomwe nehafu ndiri nepamuviri panguva iyoyo uye zvakanga zvakaoma kuti ndibvise, ndisiye basa randakaida, ndokuenda kunzvimbo kwatisingazivi.
Ndakanga ndasarudza kuti ndaida kugara mumusha uye sezvo ndaive pedyo nekupa mwanasikana wedu ndakanga ndisingatsvaki basa patakasvika kuMinnesota. Mushure memavhiki ekutanga, ndakanga ndasunungura imba yose uye ndakanga ndashushikana sezvo ndakanga ndisingashandisi kuva nenguva yakawanda yakasununguka. Ndakagamuchira mapepa mashomanana emapurogiramu evadzidzi vedu uye ndikagara pasi kuti ndione kuti takanga tine chikwereti chakadii.
Pashure pezuva rekufonera, kumirira kubata uye kutsvakurudza komupurisa ndakanga ndanyora rondedzero yematokari edu. Takanga tine madhora zviuru zvitanhatu pamakadhi echikwereti, zvinomwe zvinokwana chikwereti chemotokari, uye kubhadhara makumi manomwe nemanomwe zviuru zvemadhora mumudzidzi wechikwereti! Murume wangu akanga asingazivi kuti chii chaizouya paakauya kumudzimai akashungurudzika uye anotya usiku ihwohwo.
Ndakamugadzika pasi patafura yekicheni uye ndamuudza bhuku rekodha Ndakanga ndazadza zuva iroro kuputsa madhora, mari, vateresi, maitirwo emari uye chikwereti chemari yedu. Uku kuwanikwa kwakasiyira isu nemwoyo mikukutu. Chimwe chezvinhu zvinotyisa izvo zvakatitungamirira isu zvose mumabasa edu ekoroji kwaiva kuvimba kwedu kwakashata kuti dzidzo yepamusoro yaizoita kuti kugadzikana kwemari isu nevana vedu. Ndaiziva kuti taifanira kuchinja maitiro edu emari nekuwedzera mari yedu kuitira kuti tikunde gomo iri.
Wakatanga sei kutengesa kuBay? Chii chakaita kuti usarudze kushandisa bhadha yako yeBay kuti ubhadhara chikwereti?
Ndakanga ndaverenga bhuku nemudzidzi wemari, Dave Ramsey makore mashomanana apfuura uye akasarudza kutarisa purogiramu yake. Purogiramu Yake inotsanangura zvinomwe 7 matanho anotarirwa kubvisa chikwereti nekuvaka upfumi hunotipa nheyo yakasimba yemari uye rugare rwepfungwa. Pakutanga taizofanira kubhadhara zviuru zvine mwedzi kuitira kuti tive nekukwanisa kubhadhara mari shoma.
Ndakakumbira mari yekubhadhara yakabvumira kuti tirambe tichipfuurira uye tibhadhara chikwereti chiduku chiduku nokukurumidza, mumwe mukuru wepurogiramu yake. Takakwanisa kubhadhara chikwereti chekutanga chemadhora 2 000 mumwedzi isingapfuuri miviri uye panguva iyo takanga tatora chirwere chacho uye taida kuita zvakawanda. Ramsey anoseka pamusoro pokutengesa zvinhu zvakawanda paanenge achibhadhara chikwereti icho vana vanofunga kuti vari mberi uye ini ndakatora izvo chaizvo.
Ndakatanga kutengesa zvipfeko zvangu, shangu, kusununguka kwechipo chechichato, zvipfeko zvevana, zvinhu zvekicheni - iwe unoritumidza, ndakazvitengesa. Ndakanga ndagara ndichida kutenga zvishoma asi handina kumbofunga nezvokupinza zvinhu zvandaizowana ipapo kusvikira ndawana bhizinesi rekutengesa. Ndakaona kuti Twin Cities ine zvakawanda zvinoshamisa zvezvitoro zvakanakisa zvine mitengo yakakura, coupons, uye stellar kutengesa mazuva saka ndakatanga kutenga kutenga kuti nditengese.
Wakashandisa 100 muzana yeBay yako yekuwana mari yekubhadhara chikwereti here?
Sezvo bhizinesi raivandudza zvaive zvichiedza pakutanga kuti tifare neyiyi-yakawanikwa mari inoyerera asi isu takaramba takazvipira kune chinangwa chedu uye takashandisa mari iyi kuti tifambise bhizinesi uye kurwisa zvakasimba chikwereti chedu. Ndinoda kutaura kuti ndakakwanisa kubhadhara chikwereti ichocho ne eBay ndoga asi chave chichibatanidza kurarama zvakasimba kuti ndikwanise kushandisa imwe yemurume wangu wenguva yakazara yekubhadhara basa, zvishoma zvidzidzo zviduku zvishoma uye kupeta mabasa uye bhizimisi rekutengesa.
eBay yakabatanidzwa zvikuru mukufamba kwedu kune chikwereti rusununguko. Gore rapera murume wangu akazobatanidzwa uye anobatsira nezvose kubva pakuona, kupikisa, kutsvakurudza, uye kutumira. Anoona kutarisa kusvibiswa dzimwe nguva apo achinyanya kuisa zvipfeko zvevakadzi asi tinongoseka kuenda kubhangi. Tine tarisiro yekupedzisa kubhadhara zvikwereti zvedu kumagumo e 2017. Tine madhora mazana manomwe nemazana manomwe kubva kune $ 80,000 yepakutanga yatakatanga nawo muna 2013 kuenda uye zvino tichave takakwana zvachose chikwereti!
Ndeapi Zano rako kune vamwe vanoda kubhadhara chikwereti neBay mari?
Vanhu vazhinji vauya kwandiri nemibvunzo pamusoro pekubhadhara chikwereti ne eBay. Zano rangu nderokutanga kudengesa zvishoma izvo zvaunenge uinezvo uye zvino kuvaka nzvimbo yako kubva kune mari uye kubudirira kwevatengesi ivavo. Ini ndichiri kufunga kuti ndine eBay novice uye ndinoramba ndichidzidza sezvandiri kuenda. Ndiri kutevera vatengesi vanoita matanho matanhatu pagore vachitengesa uye vanoedza kuita zvavanokwanisa. Ndiri kutarisira kuramba ndichikura bhizinesi iri sezvo iri rakakwana zvakakwana kumhuri yedu inokura.
Tiri kutarisira mwana wedu wechipiri munaSeptember uye isu tinonakidzwa kufunga kuti tichava nemari chikwereti zvakanaka asati asvika zuva rokutanga rokuzvarwa! eBay inopa mikana isingaverengeki uye tinotarisira kuti tive nekwanisi kutanga kushandisa zvinyorwa kuchengetedza imba yedu yekutanga kana chikwereti chacho chakanyatsobviswa. Zvinotora basa rakaoma asi kuva nebhizinesi rangu reBay uye kugara kumba kuti kurera vana vedu kurota kunopera.
Unogona kushanyira Kate's eBay store pano. Ane zvinhu zvinenge 1 000 zvakanyorwa uye anotengesa kusanganiswa kwezvinhu asi kunyanya kunongedza zvipfeko zvevakadzi. (Ndapota cherechedza Kate aiva nechitoro chakasiyana pavakatanga asi nekuda kwevamwe vanhu vakaipa vakachivhara uye vakatanga nhoroondo itsva muna 2016.)
Kutevera Dave Ramsey's Seven Baby Steps
Vanhu vazhinji nemhuri dzakabudirira zvikuru naDave Ramsey's Financial Financial uye kutevera matanho manomwe emwana. Aya matanho akagadzirirwa kuteverwa mune izvi zvakarongeka sechirongwa chekubuda mune chikwereti uye kugadzira ramangwana rakanaka mune zvemari. Kana izvi zviri zvitsva kwamuri, zvinomwe matanho emwana ndeaya:
- Mwana Chekutanga 1: Chengetedza kana kuisa $ 1,000 mari mumutambo wekukurumidza
- Mwana Wechipiri 2: Shandisa nzira yechikwata chechikwata chekubhadhara mutero wese wekubhadhara uye chikwereti chikwereti
- Bato Rechitatu: Batsirai kune mari yenyu yekukurumidzira kuitira kuti igova nemwedzi 3-6 yekugara mari
- Mwana Wechipiri 4: Itai kuti 15 kubva muzana yemari yemari ive mubhadharo yekubvisa mari
- Mwana Wechipiri 5: Chengetedza chikoro
- Mwana Chete 6: Kubhadhara chikwereti kare
- Mwana Chete 7: Ongorora pakuvaka upfumi uye kupa zvakawanda
Tanga Kutengesa pa eBay Nhasi
Kana iyi nyaya yechokwadi yakafuridzira iwe uye ichikukurudzira kuti utange kutengesa kuBay, usamirira! Mamiriyoni evatengi vatotanga kuungana pa eBay vachitarisira kutenga. Uye iwe haungatendi zvaunenge uine mumba mako kana kuti zvinowanikwa kwauri kuti iwe unogona kutengesa kune pfuma yakanaka. Ivhareji yemusha ine $ 7,000 yezvinhu zvisina kushandiswa zvinogona kutengeswa paIndaneti. $ 7,000 vanogona kuenda munzira yakareba kana vachikweretesa chikwereti, kubhadhara mhuri yezororo, kana kubhadhara mari yekurapa.
Tevera izvi 10 Nhanho Dzakanaka Dzokutanga paBay iwe unogona kugadzira mari yakanaka inotengesa kutengesa zvinhu zvausingadi, kushandisa, kana zvinoda. Vanhu vanosvika mamiriyoni 25 vanoita mari kutengesa paBay zuva rega rega, saka kana vachigona kuzviita, iwe unogonawo, zvakare!