Heano Ndezvipi Zvikuru Zvishanu Zvekubhadhara Mutero Wako Mutero
Kune nzira dzakasiyana-siyana dzakanakisisa dzokubata nayo kubhadharwa kwemitero yako. Funga kushandisa kushandisa mari yako yokubhadhara mutero kubhadhara chikwereti chako, chengetedza chikoro, kuisa mari, kana kutanga bhizinesi rega.
Ngatitorei zvimwe zvishoma pamusoro pezvaunosarudza zvekubhadhara mitero.
Bhadhara Chikwereti
Pane nzira mbiri dzaunogona kubhadhara pasi chikwereti chako - zvinoshandisa kubhadharwa kwemari yako kune chikwereti nechepamusoro yekutora chikwata kana kushandisa mari yako yekubhadhara kune chikwereti nechikwereti chiduku.
Kubhadhara chikwereti chako chapamusoro-chekuita chikwereti kuchakuchengetedza mari yakawanda, asi kubhadhara chikamu chiduku kunogona kupa pfungwa yepfungwa yekukunda inokuchengetedza iwe uchikurudzirwa kuramba uchibhadhara chikwereti chako. Verenga zvakawanda pamusoro pezvikwereti zviviri zvinowanikwa mukukwereta .
Save for College
Iwe unogona kuisa mari yose yekubhadhara mutero sechikwama-chikamu mu 529 College Savings Plan yawakazvigadzirira iwe, mwana wako kana nhengo yemhuri. Iwe unogonawo kubatisisa kubhadharwa mune imwe nhoroondo yekuchengetedza iyo yawakasarudza kuti uwane mari yaunenge uchizoita panguva yevadzidzi vako yemakore iyo inogona kunge isina 529 Plan-inokodzera, sebhadharo yekubhadhara motokari yemotokari.
Gadzira Your Emergency Fund
Ichi ndicho chinhu chinonyanya kukosha chaunogona kuita kuti uchengetedze hutano hwemari hwakasimba uye uzvidzivirire kuti usapinda mune chikwereti.
Chikwereti chenyu chekukurumidzira chinofanira kuva nemwedzi 3 kusvika ku6 yekugara mari uye inofanira kuitirwa mune imwe nhoroondo yemvura yakajeka, sezvinongoita gwaro rekuchengeta kana mari yekutengesa mari. Dzidza zvakawanda pamusoro pekuvaka mari yekukurumidzira .
Itai mari yekurasikirwa
Kutaura nezvemitero, wadii kushandisa kubhadharwa kwemitero yako kuti uwedzere nguva yako yemutero?
Iwe unogona kupa $ 17,000 yebhadharo yako gore negore ku 401k yako kana uri 49 kana muduku, uye mamwe $ 5 500 kana uri 50 kana kuti zviri nani. Mupiro iwoyo mutero-weductible.
Zvimwe, iwe unogona kupa $ 5,000 kuRoth IRA yako kana iwe uri 49 kana muduku, kana kuti $ 6,000 kana uri 50-plus. Haasi munhu wose akakodzera kupa Roth IRA, kunyange zvakadaro. Iko kunokodzera kubhadhara zvichienderana nemari yako uye mari yako yekutsvaga mari.
Muna 2012, vaviri vakaroora vanobatana pamwe chete vanogona kupa mupiro wakakwana kana vakawana mari iri $ 173,000 kana pasi. Imwe tsvina imwechete inokwanisa kupa mupiro wakakwana kana yawana mari iri $ 110,000 kana pasi. Kunze kweizvi, mari yaunokwanisa kugovera zvishoma nezvishoma inopera kusvikira iwe ukayambuka pachikumbaridzo mushure mekunge iwe usingakwanisi kupa Roth IRA zvachose. Verenga zvakawanda pamusoro pemubhadharo wemitemo .
Tanga Rimwe Bhizimisi
Mharidzo "inotora mari kuita mari" ndeyechokwadi. Kukanda mapofu mubhizinesi ndechirongwa chakaipa, asi kuisa mari mune rimwe bhizinesi rekugadzirira kunogona kukupa mubairo wakasimba mumugwagwa.
Iwe unogona kuisa mari yako yekubhadhara mutero mune zvinhu zvaunoda kutanga kutanga kutengesa mabhandi kana kudzorerazve upfamani midziyo. Iwe unogona kunyoresa webhusaiti uye kutanga kutengesa zvigadzirwa mumutambo.
Iwe unogona kutenga muchero kana gorosi-bhuni uye kutanga bhizinesi rebhizimisi kuita nzvimbo yekugara yard. Iwe unogona kuchengetedza kwekubhadhara pasi pane imwe nzvimbo yokubvisa.
The Bottom Line
Usamhanyira kunzvimbo yepamusoro yekutenga mall nemari yako yekubhadhara mutero - uchengete uye uiite! Iwe wakashanda zvakaoma kuti udzorerezve mutero. Iye zvino inguva yekuita basa rako rekubhadhara iwe!
(Nenzira, pane nharo yakasimba pamusoro pekuwana mari yekubhadhara mari, kunyanya kana iwe wakatakura chikwereti chakanaka, sekwereti chikwereti chikwereti kana chikwereti chemotokari. Verenga nyaya ino pamusoro pokuti nei iwe uchifanira kudzivisa kubhadhara mutero gore rinotevera.)