Shandisa Mazano Aya Kuongorora Mamiriro Ehutano Mhuri Yenyu
Kana iwe uchifunga nezvemari chete inobatsira yekuva nevana, unogona kuguma usina mwana.Hana nzira mbiri pamusoro payo: kuva nemwana kunodhura. Nyanzvi dzezvemari dzinoti imba ndeyokutsvaga kukuru kwevanhu vakawanda vanozomboita, asi vari kukanganwa pamusoro pemari yekurera vana, iyo inopfuura kudarika mutengo wekutengesa mumba muAmerica.
Nenzira yakanaka, vanhu vakawanda havakwanisi kuita sarudzo iyi inokosha panyaya dzezvemari chete, asi sezvinongoita chero imwe sarudzo inobata mararamiro ako, yakachenjera kuti upinde maziso ako akazaruka uye kugadzirira.
Kuchinja kunowedzera kuwedzera chikwata chitsva kumhuri yako kunogona kushungurudza, asi iwe unogona kuderedza kushungurudzika zvikuru nekuderedza mari yezvinhu.
Kuronga Mari Nezvemari yeNew Baby
Kutanga, wakambofunga here kuti iwe uchagadzirisa sei pamari yakaderedzwa inokonzerwa nenguva yekusununguka nekuberekwa? Tarisa newaunoshandira kuti aone kana iwe wakafukidzwa neshuwarisi yekuremara kwenguva pfupi, iyo inobata pamuviri. Chimwe chirevo chinorayira 60% kusvika ku70% yemari yako yakawandisa kwemavhiki anenge matanhatu mushure mekuberekwa kwomwana wako (panogona kuva nenguva yekumirira kwevhiki).
Kunyange kana iwe usina hutano hwehurema, iwe waunoshandira angave achida kukupa nguva iri pasi peMhuri Medical Leave Act (FMLA), asi haafaniri kukubhadhara panguva iyoyo. Pasinei nokuti iwe uchawana mubhadharo kana kuti uremara kana kwete, tarisa mari yako inotarisirwa uye mari uye uone kuti iwe unogona kuwana zvigaro.
Ongorora Zororo Renyu Hwehutano
Paunenge uchitsvaga inshuwarisi yehurema, iva nechokwadi chokuti unoziva chii chaunotarisira kubva kuchipatara chako chekuchengetedzwa kwehutano. Mimba inofanira kutarisirwa seimwe mimwe mishonga yemutano, zvichireva kuti haikwanise kuiswa kunze, asi zvinyorwa zvese zvehutungamiri hwako zvichaona mari yakawanda yaunopedzisa kubhadhara kubva muhomwe yako.
Funga kubhadharwa, kubhadharwa (inowanzoita 20% iwe unobhadhara kambani yeinishuwarensi inobhadhara 80% yavo pasiri urongwa hwemhando yeHMO), nezvimwewo., Ona kuti zvakadini zvingaita kuti uwedzere kuwedzererwa kune rimwe boka rako remishonga yehutano mutemo. Kana iwe newawakaroorana naye mune utano hwehutano hunovapo kuburikidza nemushandi wenyu, tarisa mazano uye mari yezvirevo zvose izvi uye musarudze kana zvichiita zvinonzwisisika mune zvemari kuti iwe mose ufukidzwe pane rimwe chirongwa kana kuti kuparadzanisa kuparadzanisa pakati pezvirongwa zviviri.
Kana iwe waunoshandira achipa shanduro yekushandisa mari yakajeka, zvingava kuchenjera kuisa mari mukati maro kuti uwane mari isina kubhadharwa yezvokurapa. Kuti uwane tsananguro yeFlexible Spending Accounts , ona Maximize Job Employment Benefits.
Chengeta Vana Kuchengetedza Mari
Zvichida mari yakawanda yaunosangana nayo kana mwana aberekwa (kusatora dzidzo yekoroji) ndeyekuchengeta vana, iyo inonyanya kukosha kune vacheche. Kunyange kana mwana wako akwegura zvakakwana kuti apinde kuchikoro, iwe uchava nechekuchikoro-kutarisira, misasa yezhizha, nezvimwe zvinoshandiswa. Tarisa vatarisi vemazuva zvakanaka nguva isati yasvika pakuberekwa kwomwana wako kuitira kuti uwane imwe yaunonzwa wakasununguka nayo uye iwe unogona kuwana. Kana iwe uchida kukwanisa kubhadhara mari yako yekuchengeta mari kubva pamari yako inotengesa , iwe uchafanira kusarudza mutengi ane mvumo nekuti unofanirwa kuudza nhamba yake yekuchengeteka kwevanhu kune IRS apo inokumbira kuderedzwa .
Kana uchangotanga kufunga nezvekuva nemwana, tanga chikwama chemwana. Isa mari yakatarwa munyaya iyo imwe neimwe yekubhadhara kuti uwane mari isingatarisirwi (pane zvechokwadi ichava nevamwe uye ini ndinovimbisa kuti vachave vakawandisa kupfuura zvamakambofunga).
Kuvhima kwakanaka kwevana nemidziyo uye zvigadzirwa. Zvakakosha kutenga chigaro chepamusoro chemotokari, kufamba-famba, nezvimwewo, kuti uve nechokwadi chekuchengeteka kwevana vako, asi mwana wako achakurumidza kubuda akawanda pane zvimwe zvinhu zvaunotenga, uye kubhadhara mutengo wakakwana kazhinji kunoparadza mari. Taura neshamwari, chengetedza zvigadzirwa zvinotengesa zvinhu zvakashandiswa, shanyira kutengesa yadhi, nezvimwewo. Mwana wako haazombozivi mutsauko.
Kuti ikubatsire kubata pane kuchinja mumari yako nekuwedzera kwemwana, iwe uchada bhajeti. Tsvaga nzira isina njodzi yekugadzirisa bhajeti paBudgeting 101 . Kana iwe usina chokwadi kuti bhadha inokosha, chengetedza zvigadzirwa zvichakubatsira iwe kuongorora mari yekurera mwana.
Kana wangoongorora zvinodiwa uye wakauya nehurongwa wekuvadzikidza, iwe unogona kugara uye unakidzwa nekuwedzerwa patsva kumhuri yako.