Tora Kubatsira kweZvino Retirement Savings Hacks
Uri kuchengetedza zvakakwana zvekurega basa here?
Iwe hausi woga kana mhinduro yako kumubvunzo uyu ichisimbisa " Kwete, " kana iwe hauna chokwadi chaizvo. Kuchengetedza basa rekurega basa ndiro dambudziko guru kune vanhu vazhinji mazuva ano uye tine hutsika hwakanaka hwekugadzirisa hutano muhutori munyika yedu.
Dzimwe nguva tinopedza nguva yakawanda nesimba rekudzivirira mari yedu kupfuura yakakodzera. Panzvimbo pokutsvaira mavhiri uye kuita zvimwe chetezvo kuti tive nemigumisiro yakare yakafanana, zvichida tinofanira kutarisa nguva yedu nemari kune mamwe mabasa anogadzirisa anogona kuve musiyano wevadzidzisi.
Mune mweya wekuedza kutsvaga nzira dzokuita kuti mararamiro edu ehutori ave seashoma kudarika, ngatitarise humwe hupenyu huri nyore huno hunotibatsira kukuvaka kusachengeta mari yako (uye iwe pachako uine chivimbo chokurega basa)
Isa Kuponesa Kwako Pakuzvidzivirira uye Uzvishandise Pakutanga
Ita kuchengetedza kwekurega basa nyore. Zvingava zvakanaka kana isu tose tikaita zvisarudzo zvine musoro nemari yedu. Asi kune hukuru hwakakura hwokuziva-kuita gap. Ndosaka zvakakosha kuisa maitiro ekuchengetedza maitiro ekuchengetedza maitiro kana zvichibvira. Kuzvipa iwe pakutanga kunoreva kuti iwe haufaniri kupa mukana wekuita kuti mari yako ipararire munzvimbo dzose dzisina kururama.
Kupinda muurongwa hwekurega basa kubasa ( 401k , 403b , 457 , nezvimwewo) inzvimbo yakajeka kutanga. Zvipo zvinouya zvakananga kubva pamari yako. Kana ukangosarudza kuti mari yako yakawanda inoda kugovera chii zviri nyore kuisa uye kukanganwa mari yako. Zvimwe zvikwereti zvekare zvisati zvabhadhara zvakadai sehutano hwekuchengetwa kwehutano (HSA) inogona kushandiswawo kugadzirisa nzira yekuchengetedza kubhadhara.
Iwe unogona kutora nzira imwe chete kana uchiponesa muIvidual Retirement Account (IRA) nekuisa mishonga yekuzvidira kuburikidza nemari yako yekubhadhara kana zvakananga kubva kubhengi yako yebhangi mushure mekunge wakabhadharwa.
Kune dzimwe nzira dzekuita kuchengetedza nyore. Imwe nzira ndeyokushandisa mukana wepamupi yezinga recalator tool kana inopiwa nechirongwa chako chokubvisa mari.
Izvi zvishoma zvishoma zvinowedzera kuwanda kwamunozvidzivirira zvinogona kukubatsira iwe zvishoma nezvishoma kusimudza urongwa hwako hwekurega basa pane nguva.
Kuchengetedza kwekukurumidza kwekukurumidzira ndeimwe chikamu chenheyo yakasimba yeheyo. Usati watengesa kubhadhara mari yako yepamusoro pamusoro pemupi wevashandi-wakapiwa, iva nechokwadi chokuti une zvimwe zvinowanikwa mune imwe nguva. Uye iwe wakazvifungidzira ... iwe unofanirwawo kuita kuti uchengetedze mubhuku rako rekuchengetedza tsvina. Mukuwedzera pakugadzirisa zvakananga kuwedzerwa mari apo iwe uchibhadharwa, funga kushandisa bhadhidhi yebhadhiro iyo inotengesa kutenga kwako uye unoisa mari iyoyo mune imwe gwaro rekuchengetedza yakasiyana kubva zuva rega rega kuongorora gwaro rekushandisa mari. Chimwe chirevo chokuyeuka kana iwe uchitenga kutenga mari ndiko kuisa shanduko yako yakawanda mune imwe yekare-yechikoro chegorosi kana gorosi. Pakupera kwegore, mari yekuwedzera inogona kupinda muIRA yako.
Usazvibvumira Kuti Uzovhiringidzwa Nekwereti
Kunyanya kukwereta chikwereti ndechimwe chezvipingamupinyi zvakanyanya pamugwagwa wekurega basa. Kana iwe uchinge uine misoro yakabatwa nemakwereti ikozvino ndiyo nguva yekutenderera iyo nechero chirongwa chekuderedza chikwereti. Asi kana iwe usati uripo, rega kubvumira chikwereti kuderedza zvirongwa zvako zvekurega basa.
Mimwe mhando dzechikwereti zvakadai sezvikwereti zvekwereti uye zvikwereti zvevadzidzi zvinogona kunge zviri nani kune dzimwe nguva pazvinenge zvabatanidzwa muurongwa hwehupenyu hwako hwose.
Kune rumwe rutivi kadhi rechikwereti chikwereti, chikwereti chikuru chezvikwereti zvemunhu, uye auto zvikwereti zvinogona kuumba kukanganisa kwemari chikwereti icho chinoita kuti kurasikirwa kuoneke kusingaiti dzimwe nguva.
Heano mazano mashomanana akajeka okukubatsira kuti usakanganiswa chikwereti:
- Iva zvishoma zvakasiyana nemuwandu weAmerica uye upe purogiramu yako yekushandisa
- Nguva dzose ubhadhara zvikwereti zvako zvekadhi rechikwereti zvakakwana mwedzi mumwe nomumwe
- Mirira 24-48 maawa asati aita chero chinhu chikuru chakutenga
- Edza kuchengetedza zvigaro zvako zvekugara pasi pasi makumi mashanu kubva muzana yezana rako rose rekuwana mari (ona nyaya ino pamutemo we 50/30/20 wehuwandu hwemari kuitira mamwe mashoko)
- Itai kuti discretionary inotenga nemari panzvimbo yekwereti kushandisa nzira yevupurupa
Ramba Uchitsika Miitiro Yakanaka uye Udzivise Vakaipa
Unofunga kuti vazhinji veAmerica vanoitei mushure mekunge vabhadhara chikwereti chemotokari? Kana iwe uchifungidzira "shandisa iyo" iwe wakarurama asi iyo haisi iyo nzira yakanakisisa kana uchida kuwana hupfumi hwenyika.
Zviri nyore kurasikirwa nemufananidzo mukuru wemararamiro edu ehupfumi apo mamwe mari anowanikwa mubhadharo yedu mushure mekubhadhara zvikwereti kana zvikwereti zvekadhi rechikwereti. Panzvimbo yekushandisa mari iyo yakawanda yawakamboshandisa kusasipo, ita sokuti haisati iripo uye kuichengeta pane. Ita "zvikwereti" kubhuku rako rekusununguka pane kubvumira mararamiro achienda kukuvadza kwako kukwanisa kuchengeta. Iwe haungambofi wakarasikirwa nemari nokuti iwe watozvitora kare kusati uripo.
Paunobhadhara chikwereti chemotokari, funga kuchengeta motokari yako kwemakore mashomanana asati awana nzvimbo. Iwe unogona kunge uchida kuisa pane zvimwe zvekuchengetedza kwako mumotokari yekugadzirisa kudzivisa saka iwe wakagadzirira kana yava nguva yekuwana imwe kufamba.
Dzidza Kubika
Chiito chakareruka chokudzidza kubika kunogona kukubatsira kuchengetedza zviuru zvemamwe madhora ekurega basa. Iwe haufaniri kuva gourmet chef kuti uise pamwe chete kudya kwakagadzikana zviri nyore uye kunakirwa zvakanaka. Nzvimbo yakanakisisa yekuve yakanyatsoshanda mukati mekicheni ndeyekuti unogona kuderedza mari inoshandiswa pakudya. Izvi zvinobatsira kusunungura mari yakawedzerwa yakawanda inogona kuenda kumakosheni ako ekurega. Kudya kwakanaka kunobatsirawo kuvandudza hutano hwako hwose uye izvi zvinogona kuderedza zvakanyanya kurapwa kwechiremba gare gare paunenge uchirega basa.
Shandisa Automatic Bill Pay
Usambofa uchingorasikirwa nebhadharo yebhadharo kuburikidza nekuita iyo yose nzira yekubhadhara mari yako yemwedzi kamwe chete. Kana iwe wakamborasikirwa zvikwereti munguva yakapfuura izvi zvinogona kutungamirira kukuchengetedza kwakakura kwemaawa nekubvisa mari yekubhadhara nguva pfupi. Sezvo kubhadhara chikwereti pane nguva ndicho chinhu chakakosha pakugadzirisa zvikwereti zvekukwereta kushandiswa kwekubhadhara mari zvinoshandiswa zvingashandurwa zvinogona kubatsirawo kugadzirisa mari inotevera yekubhadhara mari yekubhadhara mari kana kukweretesa motokari.
Dzivisa Kudhura Ramangwana Rinokura uye Mabhonasi
Pano pane mutsetse wakanaka pakati pekurarama munguva uye kuronga kwenguva yemberi. Zvakanaka kuzvipa mubayiro asi rangarira kuzviita nekuenzanisa uye kuisa hupfumi hwekubhadhara kwako kwekubhadhara kana imwe mhepo inowanikwa mumari yekuchengetedza mari. Zvinotora chirango chiduku mberi, asi kana usingazvipi iwe unosimudza iwe unogona kuisa mari yakawedzerwa mune yako 401 (k), IRA, kana nguva yakazara yekushambadzira kambani.
Inguva yakadii iwe waunoda kupa kune rako rekuzvimiririra zuva? Iwe unogona kupa mari yako yekusarura kugadzirisa kwekutanga kutanga nemamwe mashomanana anofamba. Ingotarisa kuwana mari yakawedzerwa mubhajheji yako, kubvisa chikwereti chakabhadhara mari, uye kushandura nzira yekuchengetedza. Kana uchinge waita izvi kuchengetedza kwakanaka uye zvikwereti kuzvidzivirira iwe uchawana zvakawanda zvakanaka.