Kuronga kwezvemari kunobatanidza nyaya dzakasiyana-siyana dzemari kusanganisira kubhadharira, mari, chikwereti, kuponesa, kubhadhara uye inshuwarisi pakati pevamwe. Kunzwisisa kuti imwe neimwe yenyaya idzi inoshanda pamwe uye inoratirana kune imwe neimwe inogona kubatsira pakuisa hwaro hwehutano hwakasimba hwako iwe nemhuri yako.
01 Kubhadhara mari
Paunenge uumba bhajeti, iwe unotanga kuona mufananidzo wakajeka wemari yakawanda yaunayo, zvaunoshandisa pairi, uye zvakadini, kana pane zvakasara. Zvakanaka, iwe uchange uine zvakasara zvingasara zvaungashandisa kuchengetedza kubhadhara, kubvisa chikwereti chako chekutsvaga, kubhadhara chikwereti kana kushandisa kune zvimwe zvinangwa zvemari.
02 Kucheka Mari
Somuenzaniso, zvimwe zviduku zviduku zvinoshandiswa zvaunogona kutora kubvisa zvinosanganisira mabasa asina kukodzera ekubhadhara kana uhu huri huri huno husingashandisi. Kucheka kukuru kunogona kuwanikwa nekugadzirisa mari yako yekubhadhara kana kubvisa zvachose mari yekushandisa, yakadai sekudya.
03 Kubuda Kubhadhara
Imwe yematanho anokosha ekubuda mukwereti ndeyekubhadhara zvinopfuura chiyero chiduku chinodiwa mwedzi mumwe nomumwe. Kunyange ine mwero kadiki yekwereti yekwereti inogona kutora kwemakore gumi kuti ubhadhara kana iwe uchingobhadhara mari shoma inokonzerwa nekuda kwekufarira uye mari yemhosva. Izvozvo zvinogona kuguma kukudhura iwe zvuru zvemadhora zvingave zviri nani kushandiswa kugadzirisa.
04 Kuchengetedza Kubhadhara
Kurega kuchengetedza basa kunoda kuva chinhu chinokosha panzvimbo pekutevera. Iko Internal Revenue Service yakagadzirisa kuchengetedza mari yakawanda kunyange yakakosha nekodha-yakabhadhara kambani dzakadai sevashandi 401 (k) zvirongwa, mabhuku ezvokuchengetedza mari uye mamwe mazita ezvokuchengetedza mari kune avo vanozvishanda. Nhoroondo idzi dzinobvumira kutambiswa kwemitero , zvikwereti uye kunyange mari dzisingabhadharwi nemitero pane imwe mari yekuchengetedza mari . Kana iwe usisiri kuponesa kubhadhara, tarisazve bhajeti yako kuti uone kana iwe une nzvimbo yekuisa nayo.
05 Inishuwarenzi
Iwe wakashanda zvakaoma kuti uvakire zvakasimba nheyo dzemari iwe nemhuri yako, saka inoda kudzivirirwa. Njodzi nenjodzi zvinogona uye zvinoitika uye kana iwe usingakwanikidzika zvakakwana zvinogona kukusiya iwe mune zvemari kuparadzwa. Iwe unoda inshuwarisi kuchengetedza hupenyu hwako, kukwanisa kwako kuwana mari, uye kuchengeta denga pamusoro pemusoro wako. Inshurensi yehupenyu, inshurensi yekuremara uye inshuwarisi yevaimba ingabatsira pamamiriro ezvinhu akadaro.
Imwe mubvunzo iwe unogona kuva, ndudzii yveshuwarisi yehupenyu yandinoda? Upenyu hwedu hunokupa nguva yakatarwa yenguva; inishuwarenzi isingagumi inokufukidza iwe yehupenyu, pamwe nemamwe mapurogiramu anopa kubatsirwa kwemari inowanikwa. Zvakakosha kufunga kuti ndeipi iyo yakakosha zvakakwana pane zvaunoda nezvinangwa zvako.