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5 Mazano Okubatsira Jump-Tanga Chikoro Chako Chikoro

Chimwe chinangwa chekugadzirisa zvemari chinogara chichiita sechinopera mumhuri chiri kubhadhara chikoro chekugoreji. Mhuri dzakawanda dzinopinda mumisangano yezuva nezuva kuburikidza nemakore uye haitototanga kufunga nezvekubhadhara kojiji kusvikira vana vavo vari mumakore avo gumi kana gumi. Izvo hazvisiyi nguva yakawanda yekuchera pamwe chete mari inodiwa, kuisa zvakanyanya kumanikidzirwa kudiwa kwekuvimba nemari yekubatsira uye mari dzezvikwereti zvevadzidzi kuvhara mari yekoroji.

Asi tariro yose haina kurasikirwa. Kunyange vabereki vane makore maviri chete kana maviri kusvikira mwana wavo achienda kuchikoroji vanogona kugadzirisa mazamu anokosha mune ramangwana rekubhadhara. Idzi idzi dzekoroji dzakachengetedza nguva nenguva nekuda kwevabereki vanotya.

1. Kubhadharwa Chikoro Chekudzidza : Chimwe chigumbuso chikuru kuvabereki vane nguva shoma yekuponesa ndiko kudzoka kunosuruvarisa kunowanikwa mune zvishoma zvishoma zvekutsvaga. Munharaunda yakaderera-kufarira, zviwanikwa zvinogona kuwanika 1-2 peresenti chete, uye vabereki havadi kutora ngozi yakawanda kuburikidza nekutsvaga mune zvisingatarisirwi misika. Chirongwa chekurota chikoro chekubhadhara chinopa mari yakasiyana-siyana kune yakagadziriswa-yakawanda maakaunti sezvo zvirongwa izvi zvinowedzera kukura pamusana wekuti chikoro chinowedzera. Kubva pakorosi yekorosi ine nhepfenyuro yezvakaitika kare ye4-6% pagore, izvi zvinopa imwe nzira yakanakisisa kune 1-2% yemari yemari nemari yekubhadhara ma CD. Kuti inakidze mutengo wacho, vamwe vanoti kunyange kupa vabereki kubhadhara mutero kana kuti chikwereti nokuda kwekuzvipira kune zvirongwa izvi.

1. Chikamu 529 Zvipo : Funga kubvunza hama kuti dzipe rubatsiro kumari yekoroji yemwana wako. Nokudzorera rupo rwavo munyaya yeChishanu 529, vari kupa chipo chinoramba chichipa. Vazhinji vehurumende vanobvumira kubhadhara mitero yekubhadhara mari yekoroji kubvumira munhu kutora kuderedzwa kunyange kana asiri mwana wavo. Uyezve, IRS inobvumira vanhu kupa zvipo zvimwe zviyero gore roga roga, izvo zvinoita kuti vanasekuru navanambuya vane pfuma vaderedze zvishoma nezvishoma mutambo wavo wekupedzisira mutero.

1. Kutevedza : Kubatsira kunobatsira vabereki nevadzidzi kutenga kune vanotengesa. Pasi purogiramu iyi yepachena, vatengesi vakuru vanoisa chikamu chezvinhu zvinoshandiswa mukodhi yekoroji yakasarudzirwa mwana chaiye. Kugadzirisa chibvumirano ndechokuti iwe unogona kutumira mapepa kubva ku Account yako yePromise kune shamwari nevemhuri kunyoresa makadhi avo uye chikwereti chemari. Mwana wako anogamuchira zvipo zvepamusoro nguva dzose pavanotenga.
2. Upenyu hweInishuwarenzi yehupenyu : Inowanzoonekwa seipi yakaipa kuvabereki vakwegura kuedza kushandisa inshuwarisi yehupenyu semugove wenguva pfupi yekuchengetedza chikoro chekoroji. Kana iwe uchitova nemari yemari kana inshuwarisi yehupenyu hwehupenyu hwose, zvakadaro, iwe unogona kutora mari kubva kwairi kana kutenderera kune imwe nguva yeruzhinji inshumo yekuchengetedza mari pamabhaimari. Taura nemunhu anoronga mari uyo anogona kubatsira kuti asarudze kana nzira iyi inopa pfungwa dzemari kumhuri yako uye chirongwa che inshuwarisi yehupenyu hwako.
3. Tora Makore Makamwe Akawedzerwa : Vamwe vabereki vari kutaurira pfungwa yokuti koreji yemakore mana ndicho chisarudzo chakanaka kune wechidiki mukuru. Funga kutumira mwana wako kune imwe nzvimbo yepamunharaunda yemunharaunda yekoroji yekodhi yemakore maviri ekutanga, apo iye anoramba achigara pamba. Kana mwana wako achigona kugogodza dzidzo yavo yepamusoro paanenge ari pasi peimba yako, iwe uchachengetedza mari yakawanda pamari yekunze kwepahomwe apo zvakare kukupa mamwe makore maviri kuti uchengetedze mari yakawanda. Sebhonasi yakawedzerwa, unogona kukurudzira mwana wako kuti awane basa renguva yakazara uye anobatsira kupa mari yekudhi. Zvinhu zvishomanana zvinokurudzira mudzidzi kutora makore maviri ekupedzisira ekoroji zvakanyanya sekuziva kuti vari kushandisa mari yavo pachavo.

Vabereki nevadzidzi vanogonawo kupedza makore epakutanga vachitsvaga zvidzidzo zvinogona kubatsira kuderedza mari inowedzera. Hazvina kunonoka kutanga kufunga pamusoro penzira dzakanakisisa dzokubhadhara pakoroji. Ita unyanzvi, tora mudzidzi wako, uye tanga kuponesa!