Rwendo rwekurega basa rinotanga kutora pfungwa yakakosha mumakore gumi ekupedzisira emakore ako ekushanda. Ndizvo zvaunosarudza mumakore gumi ekupedzisira emabasa ako zvakakosha kuti iwe unokwanisa chaizvo kufarira basa rekusunungurwa-zvisinei iwe unogona kusarudza kutsanangura nguva iyoyo yeupenyu.
Zviitiko zvakawanda zvehupenyu zviitiko zvinowanzoitika panguva dzekupedzisira kwebasa rako. Kana iwe uine vana vangangodaro vanotanga basa ravo pachavo uye vanosiya dendere.
Vabereki vako pachavo vangave vachiswedera kumatanho ekupedzisira emakore avo ekurega basa. Somugumisiro, unogona kuzviwana pane imwe nzvimbo pakati pezvose zvehupenyu hunochinja huchitsvaga kuti basa rako rekurega basa rinoratidze sei iwe uchiri kushanda nesimba uye kuchengetedza zvakanyanya sezvaungagona. Kutaura zvazviri, makore gumi ekupedzisira emabasa ako angangoita seawa apo iwe pakupedzisira unokwanisa kukwanisa kuponesa kubhadhara basa rinokosha. Asi nekurasikirwa kune imwe nzvimbo kune mamwe matanho anokosha ekutora (kunze kwekuchengetedza zvakanyanya sezvinobvira) kubatsira kubatsira kwako kuchinja kubudirira.
Tsanangura Chii Chinodiwa Chako Chakanaka "Kusarura" Chinotarisa
Iwe unotarisira kuitei zvakanyanya munguva yekurega basa? Iwe unomira kushanda zvakakwana here kana iwe unoronga kutora basa rekushanda kwekanguva kana kutanga bhizinesi rinopinda? Hakuchina hukuru-hunoenderana-dzose mhinduro dzemibvunzo iyi. Ita wega yako chiratidzo chekurega basa mune imwe nzira inofanana nehutano hwako nezvinangwa zvehupenyu apo iwe unonyatsocherechedza kuti basa rako rakanaka rinoratidzika sei.
Runza Chirongwa Chekutanga cheBhijeti rekurasikirwa
Kudzokorora bhajeti yako kana chirongwa chako chekupedza chimwe chinhu chinhu chikuru chedu tinobvumirana kuti tinofanira kuita zvose asi zviri nyore kutaura pane kuita. Sezvo kusununguka kunosvika pakugadzirisa bhajeti kunotora hutsva hutsva hwekukosha. Kana wangoona kuti mari yako iri kuenda, unogona kuedza kubhadhara mari yakawanda kuti uchengetedze uye uite mari yekurega basa .
Iwe unogonawo kufambira mberi uye kugadzira Hurget Plan yeHorera kuti uone nzvimbo dzekushandisa semutano wehutano kana kufamba kunogona kuchinja zvakanyanya munguva yekusununguka kwemari makore.
Ona Kana Kugara Kwekugara Kuchengetedza Kwava Kukwana
Wati wakachengeta zvakakwana zvekurega basa here? Uyu mubvunzo unofanirwa kukumbirwa nokukurumidza sezvinobvira mukugadzira chirongwa. Kunyange zvakadaro, kana iwe uri pakupedzisira kutora basa uye usati wambotanga basa rekushandira chikwata hausi wega. Kudzokorora zvose zvamunogona kuwana mari yekutsvaga mari (401k, IRAs, pension, Social Security, etc.) ichabatsira kupa mhinduro kumubvunzo uyu unokosha. Ichakubatsirawo kuziva kuti kana kuchinja kupi kunodiwa kunatsiridza maonero ako ekurega basa.
Sarudza Kwaunoda Kuda Kurarama Panguva Yokurasikirwa
Kunyange zvazvo mafaji ekugoverwa chinhu chakakosha pakuwedzera kubhadhara mari yako yekurega, nzvimbo yako yekurega basa inokosha inokosha yehupenyu hwako hugutsikane. Funga nezvekuenda kwaunoshandisa kushandisa mari yako yekurega basa . Iwe unenge uchidzikisa mamiriro ako emamiriro ezvinhu here kana kuti uendezve? Iwe uchava pedyo zvakadini neshamwari nemhuri? Pane hutsika hwakakosha hwehupenyu zvinhu zvakadai sezvivaraidzo, utano hwehutano, mitero uye mari yehupenyu inobatanidza chikwata chako chekurega basa.
Ongorora Mari Yakawanda Yakachengetwa Inowanikwa Kubva Kuchengetedzwa Kwemagariro evanhu, Pensions, kana Annuities
Kusarudza nguva yekureva zvipo zvinokosha zvakadai seSocial Security uye penheni (kana yakakodzera) kunobva pane zvakasiyana-siyana zvakadai sokutangira kwako zuva, kutarisira kwenguva refu, hutano, nemari inowanikwa.
Dzorerai Utano Hwenyu Hwehutano Hwokushandisa
Iva nehuwandu uye hunovimbwa nehutano hwehutano inshuwarheni paunenge uchirasikirwa ndicho chinhu chinonyanya kukoshesa kuti uende munguva pfupi. Hazvishamisi kuti mari yehutano-yehutano inogona kuva chikamu chikuru chebhajeti panguva yekurega basa. Kana uine retiree medical inshuwarisi, enda mberi undotanga kuongorora zvaunosarudza uye zvinosanganiswa mari. Zvimwe zvingasarudzwa zvinosanganisira kutarisa kuCOBRA kana kuti kushanyira healthcare.gov site kana iwe uchizobvisa mari isati yava nemakore makumi matanhatu nemashanu apo kupiwa kweMedare inotambira.
Kana iwe uri mune chirongwa chakaderedzwa chakanaka neHSA, shandisa zvakakwana kukwanisa kwako kuisa pamadhora mazana matatu nemakumi maviri nemakumi matatu ($ 3,350) pamusangano wega wega kana $ 6 750 nokuda kwekuvhara mhuri (pamwe nemadhora 1 000 kune vose kana ava nemakore makumi mashanu kana kupfuura) yekutanga kutora mari mu nhoroondo yezvokuchengetedza hutano kubatsira kubhadhara mari inotevera.
Sarudzai Kana Inoita Kuti Uwane Mari Yokubhadhara Imwe Mari Yako
Kubhadhara chikwereti musati warega basa inzira yakanaka kwazvo yekuderedza mari yakawanda inoda. Kubvisa chikwereti chingave chinetso chakadai sekwechikwereti chekwereti makadhi uye zvikwereti zvemunhu mumwe nomumwe zvinokurudzirwa zvakasimba mumakore anotungamirira kumusha. Zvakakoshawo kuti nguva iwe mubhadharo wemotokari yako kana zvikwereti zvevadzidzi negore raunoda kubhadhara. Zvisinei, kusarudza kana zvine musoro kubhadhara chikwereti hachisi nyore nyore pane chisarudzo chekuita mumakore anotungamirira kusvika paunenge uchirega basa. Hungu, ndezvechokwadi kuti kuchinja kwekugara muchengeti kazhinji kunowanzoita nyore kubva pamari yepamusoro kana iwe uri chikwereti chikwereti-pasina. Zvisinei, kune zvimwe zvingabatsiri uye zvisingabatsiri zvinofanira kuongororwa sezvamunoongorora firimu rako rose remari. Zvichida chinhu chakanyanya kufungisisa ndechekuti unoronga sei kushandisa imba yako yakakwana munguva yekurega basa. Kuderedza, kuendesa, kuunza mari yekubhadhara, uye kushandisa reverse mortgage ndiyo zvose zvingasarudzwa zvokufunga.
Sarudza Kana Zvauri Kugoverwa Nhaka Yako Inoenderana Nezvaunenge Uchida Kutambura Uye Nguva Yakareba
Sezvo kusununguka kunosvika pakukwanisa kwako kugona kusakosha kukuru mumisika yekutsvaga inogona kuchinja. Ndicho chikonzero nei zvakakosha kuti uongorore huwandu hwehupfumi hwehupfumi hwako nguva dzose. Iwe haufaniri kutanga uchitanga kumhanya kubva mumusika wekutengeswa mumakore anotungamirira kumusha. Nguva yako yekutsvaga kwekutsvaga nguva inosanganisira makore kusvikira kushanda pamwe nekusvika kwenguva yakareba sei unotarisira kurarama.
Funga Kudzokororazve Kujekesa
Dzimwe nguva zvinotora zvisikwa zvishoma kuti uite basa rekurega basa. Kana chiratidzo chako chepakutanga chekuregererwa kwakanaka kusingaenzani nepurogiramu yako yemari yezvino, usarega! Iwe unogona kudiwa kuita zvisarudzo zvakaoma kuchinja mararamiro ako ehupenyu. Asi kubvisa basa kuchiri mukati mako.
Sarudza Boka Rako Nokuchenjera
Kune vakawanda munguva pfupi iri kutevera, kuumba boka revashandi vanopa mutemo, mutero, uye mari yekutungamira inzira inobatsira yekufamba nenzira idzi dzakaoma. Tsvaga vadzidzisi vakagadzirirwa avo vanogara vachifanira kuisa zvido zvenyu kutanga uye kugara nechechi yekutenderera.
Hazvina kunonoka kudzokorora zvirongwa zvako zvekurega basa .