Kubhadhara Budget Zvinhu Zvinogona Kuuraya Kumararamiro Ako
Sezvo zvinhu izvi zvisingabatanidzwi mumutsetse wako wekudhura kwemwedzi unoga woga unosiiwa uri kunze, zvichida kuparadza hurongwa hwako hwokurega basa .
Pasi pane zvinomwe zvinodhura vanhu vanowanzobva kunze kwekugara kwavo mari.
1. Utano Woutano / Maitirwo Emitambo
Kana iwe ukarega mushure mezera remakore makumi matanhatu nemashanu, nhau dzakanaka iwe unogona kutenga inshuwarisi kuburikidza neHealth Exchange Marketplace. Nhau dzakaipa: gadzirira kubhadhara mari yepamusoro kusvikira iwe uchikwanisa kuisa mushonga we Medicare (makore 65). Kana iwe uchida kuderedza ductible, kune mapiamisi emunhu mumwechete anogona kumhanyira madhora 5,000 kusvika $ 6,000 pagore. Tora nhamba iyoyo kune vakaroorana. Kana iwe uchida kubvuma ductible yakakwirira, miriyamu yako ichave yakaderera. Iwe unofanirwa kuve nechokwadi chekuti mari yako yekusarura inosanganisira mari yakadai sepamusoro pezvinhu zvinotengesa zvinhu, inshuwarisi inobviswa, kubhadhara mari, uye maonero uye mazino emari.
Zvaunoda Kuziva Nezve Health Exchange Marketplace
2. Zororo
Mari yekufambisa uye kufara inoda kuiswa mubhajheji yako. Nzendo hazvibhadhari ivo pachavo. Zvipo zvezvinhu izvi zvichasiyana, asi kana iwe uchiwanzoenda kutora rimwe gore musati waenda mubasa, ronga kuronga izvozvo mumutoro wekubvisa mari yako zvakare.
Kana iwe uchiwanzobhadhara mafambiro uye uchibva kune mabhonasi, zvinogona kunge zviri nyore kukanganwa kuisa idzi mari mubhadharo yako yepashure-basa. Kufamba kunogona kuderera mumakore, asi panguva yekutanga yegumi 10-15 yekuronga basa rekushandisa mari yekushandisa mari yakawandisa pakufamba, kana kupfuura, sezvawakaita mumakore asati apedza basa.
7 Nzira dzekuwana Muzororo Semazororo
3. Inishuwarenzi yehupenyu & Long Term Care Insurance
Aya mabhiriji anogona nyore nyore kusara kunze kwebhajheji kana iwe uchibhadhara mari yemari yegore gore negore. Kunze kwekuti iwe usingadi mutemo wacho haufanirizve kubhadhara mahorasi aya uye nhauriro yemari mubhajethi yako. Nokufamba kwenguva, zvikwereti zvekuchengetedza kwenguva refu zvinogona kusimuka, saka zvakanakisisa kuronga kuti mari iyi ichakwira munguva.
Ini ndiri Mujeri. Ndichiri Kuda Inishuwarenzi yeupenyu?
4. Zvitsva Zvitsva
Imotokari yako yazvino haifaniri kupedzisa nguva yako yose yekurega basa. Pasinei nokuti iwe unobhadhara mari kana mari uye unobhadhara mwedzi woga woga, pane imwe nguva iwe uchava nemari yemotokari itsva (kana mari yekuenzanidza mari yekufambisa). Vakawanda vakasiya mari, kunyanya avo vasina mari yekubhadhara pamotokari dzavo, vanokanganwa kubhadharwa nekuda kwezvinoshandiswa nenguva iyo pavanotanga hurongwa hwavo hwokurega basa.
Unofanira Kutenga Motokari Inoshandiswa Here?
5. Kumba & Auto Kugadzirisa
Chero sezvatinoda kuti mudziyo wekushambadzira, firiji, microwave, washer & dryer, heater uye air conditioner zvigare nokusingaperi, hazvingaiti. Kugadziridza kana kutora zvishandiso nguva dzose, kutora matanho nekugadzirisa dzimwe nhengo dzemotokari, kuwana imwe itsva yekunze samani, kugadzirisa mattress yako (uye pamwe kunyange mubhedha), uye kana teknolojia inofambira mberi, kutora makombiyuta, mapiritsi, uye maTV zvichaitika pane imwe nguva .
Izvi zvinhu zvinonyanya kusipo kubva mune zvakawanda zvekusasirwa kwemari. Nzira yakanakisisa yokugadzirisa zvinhu izvi: sarudzai mari yegore negore kuti muende nekodhi rekuchengetedza iyo iwe unogona kupinda mukati apo izvo "zvisatarisirwe" zvinotarisirwa kuti zviitike.
Kurarama Mufaro Zvishoma
6. Zvipo uye Charity
Nokuti kupa kwechipo kunoitika kamwe chete kana kaviri pagore. Kune vamwe iri vhiki nevhiki. Chero nzira, kana iwe uchida kuramba uchipa nenzira imwechete, zvino iva nechokwadi chekuverenga zvipo, zvipo zvezvipo uye chegumi mubasa rako rekurega basa.
5 Nzira dzekugamuchira Chipo Chipo Kupa Pasina Kufukura Budget Yako
7. Vakura Vana / Vabereki
Zvinowedzera uye ndinoona vana vakuru vachikwereta mari kuvabereki. Somubereki ndinoziva kuti izvi 'kukwereta' hakuzombotori kubhadharwa. Kana iwe usingaverengi izvi mubhadharo yako yekusarura, kana kuita zvimwe zvigadziriswa mumararamiro ako ega, iwe unogona kuzviwana uri mumatambudziko.
Vakaroorana vakawanda vanoenda muhurongwa nehutano hwakasimba, saka vana vavo vanopinda mumatambudziko uye zvinonzwisisika kutanga kutora rubatsiro. Nenguva isipi vanopedzisira vari mumamiriro ezvinhu apo vari kuda kupera mari ivo pachavo. Kubatsira vana zvakanaka, asi iwe uchafanirwa kugadzirisa mubhajheji yako kuti uite nhaurirano nekuda kwemari iyi yakawedzerwa.