Chengetedza Zvinhu zveNyaya iyi uye Tanga Gore Idzva Rakarurama
Nenguva isipi, une nguva yakawanda pakati pemazuva ano uye kuguma kwegore kuti utore chero chiito chinotarisirwa.
1. Gara Pasi Kwemaminitsi makumi matatu ekumhanyira Mhuri
Chimwe chinhu chandinowanzokurudzira ndechekuita "kadhi yemashoko emhuri yemaminiti makumi matatu." Panguva ino, unogona kuongorora mamiriro ako emari uye kuongorora gore rapfuura. Wakasangana nezvinangwa zvako zvemari here? Wakabhadhara zvikwereti zvawaitarisira here? Wakaramba uri mukati mebhajhini yako here? Pindura mibvunzo iyi zvakakwana uye nokutendeseka nemumwe wako nemhuri. Kana pane dzimwe nzvimbo dzinoda kuvandudzwa, zvipira kuita zvigadziriswe zvino. Hapana nguva yakafanana neyozvino kuti uwane mari yako.
2. Tora paDhaka Chekudya Nhasi
Iwe unenge uchifunga iwe pachako, "Kwete nzira! Handikwanise kunetseka nezvechikwereti changu mukati megore rezororo! "Asi zvino ndiyo nguva yakanakisisa yekuenda pane chikwereti kudya. Zvose zvikwereti chikwereti chikwereti chinoita kuti pasi rako rionekwe rakaipa uye rinokuvadza utano hwako hwemari.
Inguva yekutanga kuidzura nhasi. Kana iwe uchida chirongwa chekubatsira kumhanyira kutanga chikwereti chako kudya, tevera mazano aya kuisa kuguma kudarika-kushandiswa nekuchengetedza.
3. Kutengesa Nzvimbo dzeNhepfenyuro yeMitero
Pane hupi-mari yekurasikirwa uye uye / kana kuisa mari muhofisi yako? Kana zvakadaro, unogona kufunga kuti uvatengesa nokuda kwekurasikirwa kwemutero.
Ingoyeuka kuti kune mitemo yakashambadzirwa yekutengesa. Somuenzaniso, kana iwe uchitengesa chikwata chekurasikirwa, haubvumirwi kutenga zvakangofanana zvakafanana kana kuchengetedzwa mukati memazuva makumi matatu. Kuti urambe uri mukati mekuteerera, ndinokurudzira kuti ubvunze nemudzidzisi wako wezvemari. PaIndaneti, unogona kushanyira webhusaiti yeS SEC nokuda kwemimwe mitemo yakanangana nenyaya iyi.
4. Vakaroorwa Vakaroorana Vanopedza maawa mashanu kana zvizhinji pamusoro pekuita mari
Pandakaongorora vatorwa kuti vawane bhuku rangu, "Unogona Kubvisa Pasina Nguva Kupfuura Iwe Unofungidzira," Ndakaona kuti imwe nzira yevaya vanofara zvikuru pavanotora mari ndeyekuti vanopedza maawa mashanu pagore (uye kazhinji vanowedzera) vachironga kubhadhara. Vakanyatsoongorora maitiro, ayo akasiyana kune mumwe nomumwe, pamari yakawanda yavanoda kuti vaponeswe nokuda kwekurega basa. Ingoyeuka kuti kufungidzira kunze kwechirevo ichi kunoda kuronga, saka iva nechokwadi chokuti iwe unozvitsaurira nguva inodiwa kuitira kuti newewo ufare kurega.
5. Itai kuti Zvikamu Zvikuru Zvive Zvako Ku 401 (k)
Dzimwe makambani anopa 401 (k) chirongwa chekubatsira. Chaizvoizvo, izvi hazvipi mari kwauri, saka kana zvichibvira, zvakanakisisa kupa mari yakawanda kune yako 401 (k). Chibvumirano chekukodzera chirongwa chako chekugoverana kwekambani yako chinogona kusiyanisa nekambani nekambani, saka nguva dzose zvakanaka kuti uone neDhipatimendi reHuman Resources kuti uone kuti iwe unoda kugovera zvakadini.
Edza kuchengetedza zvishoma mari yaunoshandira yako, zvisinei iwe uri kusiya mari patafura.
6. Usakanganwa kutora Minimum Distribution Yako (RMD)
Kutanga gore raunosvitsa 70 1/2, IRS inoda kuti iwe ubvise zvishoma zvishoma kubva mubhadharo yako yekubvisa mari gore negore. Kuti uone kuti kugovera kwako kuduku chii, edza kushandisa iri guru calculator kubva kuBhangerate.
7. Shandisa Mari iri muFlexible Spending Account (FSA)
Nhoroondo yekushandiswa kwemashandisirwo inoshandiswa nhoroondo isina mari yekusabhadhara iyo iwe unogona kugovera mari iyo ichabhadharira maitiro ayo hutano hwehutano hwako husingafukidzwi. Iva nechokwadi chekutarisa nemabhadharo ehofisi yako kuti uwane nguva yakatarwa yekushandisa mari iri munyaya ino kuti irege kuenda kusina kushandiswa. Kuti uwane mamwe mashoko pamusoro pebasa rakafukidzwa neFSA yako, tapota enda pawww.healthcare.gov.