Kushungurudza, kurambana, uye kusashaya basa zvikonzero zvikurusa zvekuti makore makumi mashanu pamwe chete anofanira kutanga. Pasinei nechikonzero, hezvino iwe unogona kuita.
Tsvaga Basa, Zvadaro Tsvaka Basa Unoda
Chinhu chako chekutanga chinenge chiri kuwana basa. Chinokosha chako chinotevera chichave chichiwana basa raunoda. Izvi zvinonyanya kukosha kudarika iwe unogona kufunga. Kutanga pamusoro kunoreva kushanda kwenguva refu. Paunowana basa iwe unoda, hausi kumboshanda zuva muupenyu hwako. Funga pamusoro pezvauri kuita kana iwe uchingobatwa zvakanyanya mazviri kuti iwe unorasikirwa nenguva. Tsvaga basa rinoshandisa unyanzvi uhwo. Kuwana basa raunoda kunoreva iwe unogona kushanda kwemakore akawanda usina kunzwa uchinzwa.
Ramba Uchigona Kuronga Nhepfenyuro
Chengetedza mari yako yaidiwa pasi. Iwe unoda kuchengetedza zvakakwana sezvaunogona nekukurumidza sezvaunokwanisa. Wana mari yemari yemotokari, uye uwane zvingasarudzwa zvekurarama zvishoma. Iwe uchawana mamwe mazano makuru mu Live Live Inofadza Nezvishoma, kusanganisira zvimwe zvakavanzika kubva kune vanopisa zvakanyanya.
Gadzira IE Emergency Fund
Usakurumidza kuisa mari. Gadzira kambani yekuchengetedza ine mwedzi mitanhatu inoshandiswa yekugara mairi mairi. Izvi hazvisi kusarudza.
Kugadzira nhoroondo yekuchengetedza ndeimwe yezvinhu zvinokosha zvikuru zvaunogona kuita kana uchitanga. Enda pane zvinyorwa zvese, uye panzvimbo yazvo uwane mufaro mukuona kuti iyo nhamba yemari inokura.
Shandisa Mushandira Wako Womushandi
Kana wako waunoshandira akapa chirongwa chokubvisa basa uye kuenzanirana nemipiro, shandisa zvayo. Somuenzaniso, vamwe vashandi vanokuudza kana iwe ukaisa mu 3% yemari yako, ivo vachaisa 3% yemari yako.
Izvi zvinoreva kuti iwe wakawedzera pakarepo mari yako. Iva nechokwadi chekupa zvakakwana kuti uwane mutambo.
Funga nezve ROTH IRA
Imwe mhando yekambani inogona kupetwa kaviri sezvo iyo rekuchengetedza mari uye mari yekukurumidzira iRoth IRA . Iwe unogona kugara uchibvisa mari yako yepakutanga kubva kuRoth pasina mitero kana chirango. Mari yaunobva muRoth inokura musero. Kana uri kushandisa Roth yako sechikwata chekukurumidzira, mukati meRoth yako inotora mwedzi mitanhatu yekugara mari muzvigaro zvekuchengetedza zvakachengeteka , zvakadai semari yemari yemari.
Usatora Mahombekiti Mashoma Okutengesa
Zvinogona kuedza kuisa njodzi nemari yako yekuisa mari mukutarisira kuti hudzo dzakakwirira dzichagadzirisa nguva yakarasika. Izvi hazvishamisi. Zvishoma uye zvakasimba ndiyo nzira yekuenda nayo. Dzidza kuti ungaenzanisa sei kutyiswa kwekutsvaga . Zvadaro sarudzai mari inofanirwa. Gara kure pane izvo zvinonzi uwane upfumi nokukurumidza kana zvipimo zvinoratidzika sengozi.
Tenga Imba? Zvichida.
Kutenga imba kunogona kukudzivirira kubva pakukweretesa mari; iyo inouyawo pamwe nekuchengetedza uye kuchengetedza mari. Kana iwe uchitenga, chengetedza chikwereti chako chekukwanisa kuwanika, kuchisiya iwe zvakakwana mari yakasara kuti urambe uchiponesa, uye kuvhara mari yekuchengeta. Shandisa chirongwa chekuchengetedzwa kwemusha chekuchengetedza kusagadzirisa kunodhura. Tsvaga nzvimbo inoshanda nesimba uye ine zvishoma zvekugadzirisa mashizha.
Kana iwe uchitarisira imba yepatio kana kuti condo, ziva nezvekushamwaridzana kwemari inogona kukwira, uye kuongororwa kune nzvimbo dzakagoverwa munharaunda.
Usatora Social Security Early
Social Security inopa hutengo hwekugadzirisa hupenyu huzhinji huripo. Kana iwe ukamirira kusvikira iwe uine makumi manomwe kuti utange maropafadzo ako iwe uchawana mari yakawanda yakawanda kupfuura iwe kana iwe uchiunganidza pakutanga. Ichi ndicho chikonzero kuwana basa raunoda kunokosha. Paunotanga kusvika pa55, unofanirwa kuronga kumirira kusvika 70 kuti utange maropafadzo ako. Kana iwe wakaroorana, kana wakaroorana kwemakore gumi, iwe unogona kuunganidza kune wekare wekubatsira kwekodha. Iva nechokwadi chekutarisa pane zvese zvaunogona kuita usati watanga kubatsirwa.