Iwe unoda zvakadini kuchengetedza zvekurega basa?
Kana zvasvika pakunowana mari yakawanda yaunoda kubhadhara, kune mibvunzo yakawanda inokosha uye maonero iwe unofanirwa kuongorora apo iwe unofunga nezvekubvisa mari, pamwe kana pasina rubatsiro rweurongwa:
Kubhadhara Imari Kuchengetedza # 1 - Unofungei nezvekubvisa kwako?
Iwe hupenyu huri nani hwekurega basa hunotarisa zvakadai seyauna iye zvino? Kana iwe ungada here kutora chinyorwa? Zvichida, iwe ungashuva pfungwa yekusarura kwepakutanga kunyange pamutengo wehupenyu hwepasi. Hapana mhinduro yakarurama kana isina kururama, asi mararamiro ako anotarisirwa ekurasikirwa ndiwo chikamu chakakosha pakupindura "Ndingawane mari yakawanda sei?" Mubvunzo.
Kubhadhara Imari Kuchengetedza # 2 - Unoitei nhasi?
Mari yako yazvino ndiyo inokosha yekutanga yekuverengera zvido zvako zvekuchengetedza mari yekurasira. Mhedzisiro ndeyekuti iwe unowedzera kuitei nhasi, kuwedzera mari yaunoda mukurasira - nekuda kwehupenyu huripo hunoonekwa munharaunda yanhasi. Kana iwe wakasiyana nevakawanda, kufara-iwe unogona kunge une mari shoma shoma. Asi hazvina basa nokuti uri kutoponesa zvimwe.
Kubhadhara Imari Kubata # 3 - Ungatora mari yakawanda kubva ku Social Security? Iwe uchagamuchira chero ipi zvayo yakatsanangurwa kubhadhara mari yepensheni panguva yekurega?
Iyi mibairo yemwedzi yega inogona kubvisa zvishoma kubva pane mari yaunogona kuva nayo. Kuwana kuongororwa kwakanaka kunokosha apo unoronga kuregera kwako uye uchitora kuti mari yako inoda.
Kubhadhara Imari Kubata # 4 - Ucharega rini?
Muduku iwe paunenge uchirega basa, iwe unogona kutarisira kurarama panguva yekurega basa. Izvi zvinoreva kuti iwe unoda zvakawanda zvakachengetedzwa. Kana iwe ukamirira kwenguva yakareba kusvikira urega basa, hausi iwe chete uchazobviswa pabasa kwenguva shoma, asi iwewo uchashanda mamwe makore, zvichireva kuti unogona kuchengetedza zvakawanda.
Kubhadhara Imari Kuchengetedza # 5 - Makore mangani wamunoronga kupedza mukurasi?
Icho chinongova chengwaru, gentler nzira yekubvunza mubvunzo wakaoma - iwe unoronga kwenguva yakareba sei kurarama? Kubva pane hutano hwako uye tarisiro yehupenyu kwenguva refu, unogona kupedza makore makumi matatu kana kupfuura mukurega basa. Kuenzanisa kuti makore mangani wamuchapedza mukurasikirwa kunokubatsira kuti uone kuti mari yako yakawanda yaunoda kuregera gore rega rega.
Kubhadhara Imari Kuchengetedza # 6 - Ungasimudza sei?
Kana iwe ukasimudzira utsinye, iwe unogona kutarisira kuti iwe uwedzere kubhadharwa pamari yako, zvichireva iwe uchafanira kuchengetedza zvishoma kana uchienzanisa nomumwe munhu anoomerera pakuchengeta mashizha ose mubhuku rekuchengetera kwebhangi.
Iwe wakachengeta zvakawanda zvakadini uye kuti uri wemakore mangani zvino?
Iwe muduku iwe uye iwe wakanyanya kuponesa, zvishoma iwe uchada kuchengetedza mune ramangwana kuitira kuti uwane imwechete yekusarura muitiro wekurarama semumwe munhu akwegura kana ane mari shoma yakachengetwa kusvikira panguva ino.
Iyo shiri yekutanga inowana kupfuura yehonye.
Kusarudza Nhamba Yako
Mishonga yekubvisa mari yakanakisisa inongotarisa pane kungotanga basa rekutanga. Vanogadzira chinangwa chekuchengetedza mari inoshandiswa mari inodiwa kuti uwane zvinangwa zvako zvaunoda. Kuenzanisira kunze kwekuchengetwa kwako kunofanirwa kunogona kunge kwakaoma.
Nekutanga kwevashandi vekurasikirwa kwemabasa, zvakanakisisa tsika yekugadzirisa zvemari mirayiridzo inoratidza kuponesa imwe nzvimbo pakati pe10 kusvika ku15 muzana yemari yako. Asi izvi zvinotanga iwe unotanga kuponesa zvishoma pakutanga kwebasa rako uye inongova mutungamiri mukuru. Kana iwe ukaenda kunononoka nekutora mari yako yekusarura iwe unogona kuisa kunze kwemazana makumi maviri kana kupfuura emari yako kuti uchengetedze hupenyu hwako hwakanaka.
Nzira yakanakisisa yekuwana kuti iwe unoda zvakadini kuponesa kubhadhara mari ndeyekugadzira chirongwa chebhajeti chekurega basa uye kuti uite chirongwa chekugara mubhadharo kuti uone kana uri munzira yakarurama.
Sezvaunogona kuona, hapana humwe huwandu hunoenderana nemhinduro yese kune "Ndingafanira kuchengetedza zvakadini?" Mubvunzo wekurega basa. Zvisinei, pane mutemo wegumbo. Mushure mekunge maziva zvaunofunga kuti uchada kuraramira paunenge uchirasikirwa, wowedzera ne25. Somuenzaniso, kana iwe uchifunga kuti iwe unoda $ 40,000 pagore, rimwe mutemo wegunwe unoti iwe unoda makumi maviri nemaviri chiyero, kana $ 1 000 000 kuitira kuti vasiye basa zvakanaka. Kune rumwe rutivi, kana iwe ukagamuchira $ 15,000 mu Social Security inobatsira gore roga roga uye $ 5,000 gore rega rekupera, iwe unongoda hafu ye $ 40,000 gore roga roga kubva pamari yako. Sezvo iwe uchingoronga kuronga kunze kwema $ 20,000 gore roga roga, iwe unoda madhora madhora mazana mashanu emakumi mashanu akachengetedzwa nezuva rako rekurega basa.
Kunyange zvakadaro, mutemo wegumbo hausi mutemo wemutemo. Zvinotonyanya kukosha ndezvokuti, zvinangwa zvevanhu vose ndezvomunhu uye hakuna munhu anopinda mudambudziko nokuti vakachengetedza zvakanyanya munguva pfupi.