Chimwe chezvigadziriswa izvi chinonzi inyanzvi yekuedza. Iko kuverenga kuongorora kana vane chikwereti (avo vanokonzera kukanganisa) vane mari yakawanda yakasara pamwedzi mumwe nomumwe kuti vaite mubhadharo unobatsira mukuderedza chikwereti chavo chisina kuchengetedzwa. Chikwereti chisina kuchengetedzwa chine chikwereti. Inosanganisira zvikwereti zvekadhi rechikwereti, kubhadhara chikwereti, kubhadhara zvikwereti, zvikwereti zvemishonga, zvikwereti zvisingabhadharwi zvebhadhiro nezvimwe zvakadaro. Inogona kutora mari isina kubhadharwa (kana zvimwe) mitero.
Mune zvimwe zvikamu munyaya dzino dzakatevedzana, takakurukura kuti zvinorevei nzira yekuedzwa , yakashanda sei, iyo inofanirwa "kushandiswa kwekushungurudzwa" ndeyei, uye ndeapi mapeji anowanikwa kana akaiswa kunze kwekuverenga.
Inorongwa Kurasikirwa Mari
Zvinorevei kuve "kukwanisika" kubhadhara iwe pachako kana kuburikidza neurongwa hweChitsauko chekubhadhara 13 ? Nzira yekuongorora iyo yakagadzirirwa kuuya nenhamba, iyo inonzi "mari inofungidzirwa yakawanikwa," iyo inofanirwa kuratidzira mari yakawedzerwa yawakasiya pane mwedzi woga woga, uchifunga nezvekuwana mari yako uye yakakodzera uye yakakodzera mari.
Ndinoziva zvaunofunga. "Handina chinhu chakasara." Ini ndiri mumugumo pamagumo emwedzi, ndicho chikonzero ma kadhi yemakwereti akanganiswa. " Zvakanaka, chirongwa chekushandisa chinotarisa mari yako uye mari yako nenzira inogona kunge yakasiyana nenzira yaunotarisa nayo. Inoshandisa mitemo yakawanda isina kukanganisa uye nhamba, dzimwe dzichibva pamasangano emunyika kana mahara, izvo zvingasava nezvikonzero muhupenyu hwehupenyu hwako.
Kutanga, Mari Yako
Nzira yekuongorora inoshandiswa kutanga inotarisa pamari yako kuti uone kana iwe uchinge uri muhafu yepamusoro yevatori kana kuti hafu yepasi yevatori vemunyika yako, mari-yakachenjera. Kana iwe ukawa muhafu yakaderera, iwe wakangopedza kupedza nzira yekuedza. Kana iwe uri muhafu yepamusoro, nzira yekuedza nayo inotarisawo mari yako yekuona kana iwe uchipfuura kana kwete. Muchikamu chino, tinofunga nezvekuti mari iyo inotarisirwa sei.
Zvadaro, Zvaunoshandisa
Zvizhinji zvezvinodhura zvinodhura hazvisi maererano nezvaunonyatsoshandisa mwedzi woga woga, asi izvo IRS inofunga kuti zviyero zvakakwana zvemhuri yakakura yako inogara kwaunogara. Hungu, ndakati IRS - vanhu vakafanana vanotora mitero. Apo IRS iri kutora mitero yakadzoka, inoshandisa fomu kuti ione kuti vateresi vanogona kubhadhara chii uye kakawanda sei. Apo Congress yakapedza kupfurikidza kwemitemo yebhangi iyo yakaisanganisira nzira yekuedza, vakasarudza kusadzokorora zvakare gumbo, asi panzvimbo pacho vaida kuti nzira dzekuedza dzikwekwe pamatafura akaitwa ne IRS. Izvi zviyero zvinogona kana zvisingaratidzi mamiriro ako ega.
Izvi zvakagadziriswa zvinogona kuwanika pawebsite iyo US Trustee anotsigira paanenge achienzanisa kuongororwa uye kuwira mumatatu matatu akaenzana atinoti munhu oga, imba nekutakura.
Iwe pachako
Izvi zvinosanganisira:
- Zvokudya
- Kuchengetwa kweimba
- Apparel & services (kufanana nekuchenesa zvakaoma)
- Zvishandiso zvemunhu oga
- Kusiyana
- Kunze kwe-pocket utano hwemari mari (yepasi pemakore makumi matanhatu nemakumi matanhatu nemakumi matanhatu)
Izvi zviyero zvinotorwa semitemo yenyika uye zvinoshandisa pasinei nenzvimbo yako.
Housing
Izvo zviyero zvehumba zvakaputsika pasi kuhutano nehutunhu. Izvi zvinosanganisira mari yakatarwa
- Mortgage kana renti
- Property tax
- Kufarira
- Inishuwarenzi
- Maintenance uye kugadzirisa
- Zvishandiso, kusanganisira gesi, magetsi, mvura, kupisa mafuta, kutora marara, foni, foni, internet uye cable
Kutakura
Kana uine motokari, mari yebhaji yako inouya muzvikamu zviviri. Imwe ndiyo mari yemari, (inosanganisira chikwereti chemwedzi nemwedzi kana kubhadhara mari) uye mari yekushanda (kugadzirisa, kugadziriswa, inshuwarisi, mafuta, kubhadhara, reisense, kuongororwa, kuparisa uye kurasikirwa).
Izvi zviyero zvakaputsika nenharaunda.
Kana uine motokari, asi hapana kubhadhara, iwe unowanzoshandisa chete mari yakabvumirwa yekushandisa mari.
Kana mutero wako wemotokari uri pasi pemutengo, iwe uchakwanisa kutora mutengo webhadharo yemotokari sezvo iwe uchitenga mari yako.
Kana iwe uri futi imwe chete, unongowana chikwereti kune imwe motokari. Kana iwe uri kufambidzana pamwe chete nemumwe wako, iwe unongotora chikwereti chemotokari mbiri, kunyange kana iwe uine vatsigiri vanoda motokari dzavo.
Zvimwe Zvidikanwa Zvinodiwa
Kune marudzi akawanda emari, nzira dzekuedza kuverenga dzinokubvumira kudhura mavhareji emari chaiyo yaunoshandisa iwe pachako nevanovimba navo. Vakawanda vanowanikwa muhuwandu pachavo:
- Mitero: federal, hurumende uye yekwavo, kusanganisira mari, kubasa kwehupfumi hwehupfumi nehutano, asi kwete pfuma nekutengesa mitero
- Basa: zvinhu zvinotarisirwa kuti uwane basa, sekubatana kwebato uye yunifomu mari, uye mvumo yekubhadhara mari (kwete mitezo yokurega mari yokuzvidira)
- Dare-yakarayirwa kubhadhara: somuenzaniso kubatsirana kana kubhadhara vana kubhadhara, kunze kwekuti vasati vapfuura
- Inshuwarisi yehupenyu
- Dzidzo yebasa kana mwana wepanyama kana mupfungwa
- Childcare
- Kurapa kwehutano, kuwedzerwa kwemari yakatarwa inobvumirwa pamusoro, iyo isiri kubhadharwa nehushuwarisi kana kubhadharwa kubva pane imwe nhoroondo yekuchengetedza utano
- Matanho ekutumira terevhizheni: zvimwe kunze kwekugara kumba kwefoni uye kushandiswa kwefoni - zvakabatanidzwa muzvivako zvepamusoro pamusoro - kusvika pakudiwa kwehutano hwako nehutano kana hwevaya vanovimba navo.
- Inishuwarenzi yehutano, inshurensi yehurema uye mari yekuchengetedza mari yekuita mari
- Mipiro inopfuurira kune kutarisira mhuri kana nhengo dzemhuri avo vakwegura, vanorwara nokusingaperi, kana vakaremara
- Kudzivirirwa pakurwisana kwemhuri pasi peMhuri yechisimba Prevention and Services Act kana imwe yemutemo inoshanda musangano
- Mipiro yezvipo isingadariki 15% yemari yako yakawandisa pamwedzi
Zvimwe Zvimwe Zvinonzwisisika uye Zvinotarisirwa Zvinodiwa
Iyi inotevera mari inogona kudzingwa, kana iwe uchigona kuratidza, kazhinji nemagwaro, kuti mari inoshandiswa uye inofanirwa;
- Kuwedzera kwemaimba emari mari
- Dzidzo yezvidzidzo zvevana vanotarisira vana pasi pemakore gumi nemasere (asi kwete padzidzo yega yega yechikoro) ..
- Zvimwe zvekudya uye mari yekupfeka: Kana mari yako yezvokudya neyekupfekedza inodarika chikamu chakanaka chabviswa pamusoro, unogona kutora mamwe 5%
Chikwereti chemari
Maripo yezvikwereti zvisingaverengeki, semitemo yezvechiremba, makadhi echikwereti uye kubhadhara chikwereti chikwereti hachibvumirwi sekubhadhara mari yekuongorora. Mari dzinotevera dzinogona kuderedzwa semari
- Mitsva pazvikwereti zvakachengetedzwa, kusanganisira zvikwereti zvekutenga zvisikwa zvepamba, motokari uye imwe nzvimbo yepanyika.
- Mitsara pa "zvirevo zvekutanga," sekubhadhara mitero, kubatsirana kwevana uye kubhadhara mari.
- Kutarisirwa mari: iyo nzira yekuedza kuverenga inotorawo mari inofungidzira kuti zviyero zvinorehwa nemwedzi wako zvakadini Chitsauko 13 kubhadhara kunenge kuri, pamwe chete nemari inopiwa muchitsauko 13 mutongi wekodzero yekutonga nyaya yacho.
Akakodzera Kurasikirwa Kwekurasikirwa
Muchiitiko cheChitsauko 13 chinoreva kuedza chete, unogona kutora mupiro wekuzvidira kune imwe ERISA retirement rekodha, sa 401 (k), pamwe chete nemari yaunotora pamarikiti inotorwa kubva kubhuku rekurera.
Zvimwe Mamiriro Ezvinhu
Kana iwe uchitenda kuti iwe unopa mamiriro ezvinhu chaiwo anokonzera zvimwe zvikwereti zvisingabvumirwe zvimwe zvinoshandiswa, fomu yekuenzanisa fomu inokupa mukana wekunyorera iyo mari uye kutsanangura chikonzero nei uchitenda kuti mari iyo inofanira kuverengwa iwe. Unofanira kunge wakagadzirira kupa magwaro ekutsigira kuda kwako.
Kuti udzidze zvakawanda pamusoro pemhando yemamiriro ezvinhu anogona kukonzera mamiriro ezvinhu chaiwo, shanyira Muedzo Wokureva - Kukunda Kuonekwa Kwekushungurudzwa .
Yakavandudzwa December 2017 naCarron Nicks.