Tame Kutya Kunotarisirwa Kunotarisirwa Nezvizvi 5 Zvinoenda
1. Isa pamwe chete Purogiramu Yekubhadhara Imari
Purogiramu yekubvisa mari inotora nguva iyo inokuratidza kuti mari yako yaunenge uine, inobva kupi uye iyo imwe neimwe inotanga.
Inosanganisira Social Security, pensions, annuities, kutarisirwa kwekuchengetwa kwekodzero uye kubhadhara kambani yekubvisa mari uye kubhadhara mari yekubvisa mari yakabviswa. Pane imwe nguva chirongwa ichi chiripo iwe unogona kusarudza kana uchifanira kuderedza mari, uwane basa rakawedzerwa, kana iwe uchange wakanaka sezvo zvinhu zviri. Iwe unogona kushandisawo chirongwa chako kuti uenzanise dzimwe nzira. Mune zviitiko zvakawanda zvekusununguka kamwe kamwe, vanhu vanofunga kuti vanofanira kutanga Social Security pakutanga , kana kuti pakarepo vanotanga purogiramu yavo, asi iyo haisi nguva dzose yakanakisisa. Chirongwa chako chinokubvumira kuronga kusanganiswa kwakasiyana-siyana kwezvinhu uye kuona kuti ndiani anokupa zvakanakisisa kwenguva refu.
2. Ongororazve zvido zvezvinodiwa Wants
Ini ndichabvuma, ndine mweya unonamatira pamagetsi angu emwedzi uye bhodhoro rakanaka rewaini. Asi izvo zvinoda kana kuti zvinoda here? Ndinofanira kuaisa munzvimbo yaunoda. Kana zviwanikwa zvako zvisinganzwisisiki kudarika zvinotarisirwa, chinhu chokutanga chaunofanira kuita ndechokudzosera pane zvaunoda.
Iwe unogona kugara uchiwedzera kwavari shure. Enda nepabhanga rako uye zvikwereti zvemari yekwereti uye uwane nzira dzekubvisa zvinyorwa pakarepo. Izvi zvinogona kukubatsira kutenga imwe nzvimbo yekufemerwa mune zvemari kuti uone chirongwa chemazuva mazhinji. Imwe nzira yekuongorora zvinodiwa uye inoda ndeyokusika izvo ndinonzi maitiro-based spending plan ; Zvinotora humwe mweya kutsvaga asi kunokubatsira kuti uzive zvinhu zvinokosha zvikuru kwauri.
3. Ongorora Alternative Money Kuita Sarudzo
Iwe une nguva yehupenyu yeunyanzvi hwaunowana. Zvichida unogona kuzvishandisa munzira dzausina kumbofunga nezvazvo. Kutanga kusvika kune avo vekare vezvenyanzvi kuti vawane pfungwa yezviri kunze uko uye rudzi rwebasa reprojekiti rungawanika. Iwe unogonawo kutarisa kutanga kutanga bhizinesi rekutsvaga , kana kuona kana munhu wako kana kuti imbwa achifamba unyanzvi inogona kushandiswa zvakanaka munharaunda yako yekwaunogara. Kune nzira dzakawanda dzekuwana mari yakawedzerwa kana iwe ukaisa pfungwa dzako kune iyo.
4. Dzivisa Knee Jerk Zvisarudzo
Usaiti pakarepo zve Social Security, pension yako, kana kutora mari yekurega mari - kunze kwekuti wapedza chirongwa chekubvisa mari yako uye icho ndicho chisarudzo chakanaka kwauri. Vanhu vakawanda kwazvo vanoita chisarudzo chekutsvaga kwekutanga Social Security kutanga pakutanga kuti vawane basa negore gare gare. Mumamiriro ezvinhu akadai Social Social earnings muganhu unotanga, uye zvimwe zvezvibereko zvingada kubhadharwa. Vangadai vakave vari nani pakushandisa mamwe mamiriro ekuchengetedza kuti avaswedzere.
5. Kusiyanisa Pakati Pezvasarudzo Zvenguva Isingaperi uye Zvisingaperi
Ndinoshungurudzika pandinoona vanhu vachiomerera kune dzimwe nzira nemanzwiro ekuramba. Chisarudzo chenguva pfupi chokuderedza kushandiswa kwemari pane zvaidiwa, kana kuti kutora basa risina kunaka, harina kufanana nesarudzo yekusingaperi.
Vanhu vandinoyemura zvikuru ndivo vakatora basa rekugadzirisa chikamu pavanenge vaine chikwereti chokubhadhara pasi, kana kukanda motokari yavo yakaisvonaka pavakaona zvimwe zvinangwa zvaikosha. Kuita chisarudzo chenguva pfupi chekuchinja chimwe chinhu chinogona kuva chaicho chaicho chinodiwa kuitira kuti iwe utenge nguva yakakwana kuti uwane chirongwa chako chekurega basa zvachose panzvimbo.
Chimwe chezvinhu zvakanakisisa zvaunogona kuita kana ukatarisana nekutsvaga kusununguka kutsvaga rubatsiro rweanokwanisa kugadzira mari. Ndinoreva mumwe munhu ari kukubatsira iwe kugadzira hurongwa - kwete mumwe munhu ari kungoedza kukutengesa chimwe chinhu. Iwe unogona kudzidza kuti ungawana sei munhu akafanana neizvi mu 7 Step Process kuti Uwane Best Advisor .