Kuwana, mari yekusvitsa uye kuregera hazvisi chinhu chimwe chete.
Izvo zvaunoda pakubhadhara mari ndiyo mari . Mwedzi woga woga unotenga, uye unoda mari inouya kuzosangana nemari iyo. Zvichienderana nezvamunoronga kuita basa rekurega basa, iyo mari inogona kuuya kubva munzvimbo dzakasiyana-siyana, uye kwete yose iyo ichakwanisa kutsanangurwa kwehutano hwemari.
Ngatitarisei kuti kubvisa mari yekushambadzira kwakasiyana sei nemari.
Cashflow kurwisana nemari
Ngatiti iwe unofungidzira iwe uchada kutenga motokari anenge makore ose gumi mukutora basa. Paunotora basa, iwe unotenga CD kana bhandi inokura mumakore gumi kuti uwane mari yako inotevera yokutenga motokari. Kana ichikura iwe unoronga kupedza zvose zviri zviviri mukuru uye kufarira kutenga iyo motokari. Iwe uchange uine cashflow yaunoda kutenga motokari, asi kana CD kana kuti musikana uhu husingazobvunzi semari pamutero wako wekudzokera. Pane kudaro, iwe uchataurira kufarira iyo CD yakagamuchira semari inowanikwa pamutero wako wekubhadhara gore negore munzira - kunyange iwe uchitendera kufarira kuunganidza.
Mukurasira, iwe unoda kuronga zvaunoda mari yekushambadza uye sarudza mari yezvikwata zvine chikwata chakakodzera chekuenzanisa izvo zvido.
Nhamba yemari yaunopihwa pamusoro pemutero wako wekubhadhara inogona kunge yakasiyana zvikuru nemari yako yegore inopera inodiwa. Somuenzaniso, munguva yekurega basa, iwe unogona kureva mari shoma pamutero wako wekubhadhara, uye pashure pokurega basa, iwe unogona kureva mari yakawanda-asi mari yako inoyerera inogona kuramba yakafanana.
Izvi zvingave sei?
Ngatiti iwe unotamira pa 65, asi iwe unoronga hurongwa uchitanga Social Security pazera remakore makumi manomwe. Kuti uwane zvido zvako zvemari kubva kune makumi matanhatu kusvika ku70 unotenga gore rinoshandiswa nemakore mashanu ekubhadhara uye iwe unotenga nemari isina mari yomutero. Kubhadhara kwegore negore iwe waunogamuchira kuchapa cashflow, sezvo kubhadhara kwega kwega iwe unogamuchira kusanganiswa kwekutanga uye kufarira; asi chete chikamu chechido chinotorwa semari inotengeswa pamutero wako wekubhadhara, saka mumamiriro ezvinhu aya, une mari yakawanda kupfuura mari.
Zvino iko kutsanya mberi kwemakore manomwe. Pave nemakore 70 ½ unofanirwa kutora kuparadzirwa kwegore negore kubva kumakoro ako ekurega. Izvi zvinodonhedzwa zvinonzi semari inotengesa pamutero wako wekubhadhara. Gore roga roga iwe paunokura iwe unofanira kubvisa chikamu chikuru chemari yako yekusara. Iwe unogona kunge usingadi kuishandisa zvose. Muchiitiko ichi, une mari yakawanda kupfuura yezvaunoda mari yekuda.
Icho Chine Nyaya Yechirevo Here?
Kunze kwekuti iwe uine mari zhinji yakaenzana nehuwandu hwemari yaunoda mukurasira, hazvigoneki kuti iwe uchakwanisa kurarama kubva pamari yako; panzvimbo pacho zvinenge zvichida iwe uchada kushandisa imwe yako huru kuburikidza nekutevera hurongwa hunokubvumira kuti uhushandise panhanho yakaenzana kuitira kuti uwane mararamiro akasununguka ekurega basa, asi panguva imwe chete usingaiti dambudziko rekubuda kunze kwemari.
Rudzi urwu rwekugadzirira runogadzirisa huwandu hwemari yaunoda.
Izvo hazvina basa kana iwe uchiriidza iyo mari kana mari yekodhi kana kuti kubvisa mari; izvo zvinokosha ndezvokuti kana uri kushanda nemuchengeti wekuchera basa kana kutaura nemumwe wako, kuti mose mubvumirane uye munzwisise zvaunoreva kana iwe uchishandisa mazwi aya. Izvi zvingaderedza kusagadzikana apo iwe unotanga kushandisa sarudzo yako uye inobatsira kutungamirira kuchinjeko chakanaka mumakore ako ekurega.