Sezvaunoita nzira yako kune chikwereti-rusununguko, chenjera nezvezvikanganiso zvina izvi:
1. Kusina IE Emergency Fund
Mukuedza kuisa mari yakawanda sezvinobvira kune chikwereti chako, unogona kunge uchida kurega kuva nechikwata chekukurumidzira .
Ichi chisarudzo chinogona kukukuvadza. Dambudziko reimwe mhando-ingave isingatarisirwi kugadzirisa motokari kana mari yekurapa-inogona kuitika apo iwe uri kubhadhara chikwereti chako. Kana iwe usingagadziri, unogona kuguma uchienda mukati memari chikwereti. Imwe yongororo yeBhangerate yakangoratidzira inoratidza kuti 36 kubva muzana veAmerica vangakwereta kubva kune shamwari kana mhuri, kutora chikwereti, kana kushandisa makadhi emakadhi kuti awane $ 1 000 inowanzoitika.
Dzivisa iko kukanganisa kuburikidza nekuchengetedza kamari kadiki kadiri iwe uri kubhadhara chikwereti chako.
2. Kuchengeta Imba Yemahodha Ekutengwa
Nzira yekukweretesa chikwereti chakatarwa kumusha kana kuti chikwereti chekwereti kubhadhara chikwereti chako chevatengi chinogona kufadza-iwe unogona "kupukuta" yako chikwereti chekwereti uye chikwereti pane imwe yakawa swoop, mukuchinjana nebhadharo rimwe pane imwe chikwata chechibereko.
Izvi zvinogona kuita kuti chikwereti chako mamiriro ezvinhu chinzwe zvakanyatsorongeka uye zvisinganyanyi kuderedza.
Asi izvi zvinogona kuitika kuva kukanganisa, pamatunhu akawanda. Kutanga, iwe uri kubvisa chikwereti chako chisina kuchengetwa asi uchiwedzera zvaunokwereta pane chikwereti chako chakachengetedzwa. Unofanira kunge uchinetseka kubhadhara chikwereti chako chekuwana chikwereti, imba yako inogona kunge iri panjodzi.
Uyezve, unogona kuwedzera zvaunobhadhara muzvibereko kana ukashandisa chikwereti chekuwana chikwereti kuti ubhadhara kuchipatara uye zvimwe zvikwereti zvaive nehuwandu hwekuda, kana kuti uwandu hwezasi kune chikwereti chitsva.
Chinonyanya kukosha, iko kukanganisa nokuti iwe hausi kunyatsoderedza chikwereti chako-uri kungochifambisa! Kana iwe ukadzima kadhi rako rechikwereti chikwereti nezvimwe zvikwereti usingatauri izvo zvakakonzera kuti iwe upinde mune chikwereti, zvinogona kungova nyaya yenguva usati watanga matanho iwayo zvakare.
3. Kukwereta Kubva Kwenyu 401 (k)
Chimwe chikwereti chinokonzera chikwereti kukweretesa kubva kune yako 401 (k) . Zvinopera pasina kutaura kuti kuita izvi zvinopesana nechikonzero chaicho chawakapa kune yako 401 (k) munzvimbo yekutanga: Kupa ramangwana rekuchengeteka mune ramangwana iwe pachako. Kukwereta kubva kune iyo kunotora mari kubva kune chinangwa ichocho uye kunokuita kuti usasununguka pamubatsiro wekudyidzana kwechikwata.
Kunyangwe iwe uchazodiwa kubhadhara chikwereti kumashure, kufarira kuri kuuya kubva kwauri, saka hapana pfuma chaiyo imomo. Uyezve, mari yaunoshandisa kubhadhara chikwereti inowanikwa kune mitsara miviri kubvira iwe uri kubhadhara chikwereti zvakare nematare emitero mushure mokunge iwe uchatora zvakare kana iwe uchitora kugovera.
Uyezve, kana iwe uchidzingwa kubva kubasa rako kana kuti kurega, iwe uchabhadhara chikwereti kumashure kwehuwandu hwenguva, kazhinji mazuva 60-90; Kana zvisina kudaro, chikwereti chemari chikwereti chichaonekwa sechishandiswa chekugoverwa uye chichava pasi pechikamu chezana chezana kana iwe uri pasi pezera remakore 59 1/2.
Iyi mamiriro ezvinhu achaita kuti chikwereti chako chive chakaipa.
4. Kudonha Kwechikwereti Chekuda Rusununguko
Makambani akawanda anowedzera mano avo ekuderedza chikwereti chako. Uye zvivimbiso zvavanoita zvinogona kuonekwa semhinduro mamuri kutsvaga.
Asi chenjerera. Kunyange zvazvo mamwe mabhizinesi anoyemekedzwa achipa rubatsiro rwekubhadhara chikwereti nemishando yakabatana, pane makambani akawanda ane chinangwa chikuru chekutora mari yako. Vamwe vanoedza kuderedza chikwereti chenyu, asi shandisa nzira dzisina mubvunzo sekuchengeta mari yako kunze kwemwedzi inoverengeka, nokudaro kukuisa panzvimbo yaunenge uri shure kwezvikwereti izvo vako vane chikwereti vanoda kutaurirana. Izvi zvinogona kuderedza mari yaunozopedzisira iwe uchibhadhara pamitemo yako, asi inogona kuisa mungozi yako chikwereti.
Imwe nzira yekucherechedza tsvina inowona pavanokukumbira kuti iwe ubhadhara: Kana kambani inoda kubhadhara mberi, iwe unogona kunge uri kutorwa.
Imwe nyeredzi tsvuku ndeyekuti inopikira chimwe chiitiko, sezvo pasina munhu anogona kugutsikana kuti chii chinobvumirwa nevatengi vako vachatoda kuita. Regai uchenjeri huripo hunowirirana hukutungamirire pano-kana zvinonzwika zvakanyanya kuti ndezvechokwadi, zvichida.
Kana iwe uchinetseka nechikwereti, zvinonzwisisika kuti uwane mhinduro inokurumidza kana pakarepo. Asi ramba uchifunga kuti iwe hauna kupinda mune chikwereti usiku hwose, naizvozvo hazviiti kuti iwe ugozokwanisa kuibvisa mazviri nokukurumidza, kana. Kana iwe uchida kuve nechokwadi kuti unobuda kubva kune chikwereti chakanaka, unogona kuda kutsika zvishoma.