Haisi chakavanzika chokuti mari yekugara inogona kuva imwe yezvinhu zvinodhura zvakanyanya mubhadharo yemwedzi. Kutaura zvazviri, nhamba dzinoratidza kuti chiyero chemari inoshandiswa paimba inenge madhora 1,483 pamwedzi, uye inokwana anenge makumi matatu kubva muzana yevakaroora vanowanikwa mari.
Makore ane chiuru ane zvakanyanya kuipa. Nhoroondo dzekare dzinoratidza kuti dzinopedza chete 81 muzana yemari yavo, zvichienzanisa ne 91 peresenti iyo 25-34 yemakore yakapedza chizvarwa chakadarika.
Asi mari yavo pazvinhu zvakadai sehutano hwehutano , Social Security, dzidzo, uye dzimba zvakakwirira zvakanyanya kudarika avo vakambotanga.
Vamwe vane zviuru zvemakore vari kukanganisa izvi, vachidzidza "kutanha misha yavo" uye kuraramira pasina. Heino maitiro avanozviita.
Tenga Imba Yekutengwa uye Tora Vatengi
Vamwe vane zviuru zvemakore vari kushongedza dzimba dzavo nekutenga chikamu chiduku cheimba, yakadai semusha uri muhuturo. Vanowanzoshandisa chikwereti cheFHA kuti vapedzise kutengesa, saka vashandise dzimba kuti vagare, vachivadhara zvakakwana kuti vabhadhara chikwereti chose chemari. Ava vagadziri venguva iyo ndivo vanorarama nekuda kwekusununguka.
Makore ane zviuru zvekutsvaga kutarisa kuti aite imwe bhuru ichagara mune imwe nzvimbo yakadikanwa yekamuri yeimba, sechepasi (kana zviri pamakorodhe) kana muimba yekamuri duku. Nenzira iyo, vanogona kutengesa vashandi vavo zvakanyanya, uye kuderedza mari yavo (kana kuibvisa zvachose.) Kana ukasarudza kutevera nzira iyi uye enda kune vashandisi, iva nechokwadi chekuti vasaina chibvumirano chematare emutemo ndokuisa pasi dhipatimendi kuitira kuti uzvidzivirire uye iwe wekutsvaga kwako.
Ramba uchiyeuka kuti nzira iyi haifaniri kufunga nezvezvinhu zvakadai sekugadzirwa kwemusha, mari yekuchengetedza imba , uye mabhizimusi ekushandisa. Kunze kwechokwadi, unogona kuchengetedza vakwereta vakakwana kuti vabhadhara zvishoma kudarika mari yenyu yekutengesa uye vanofukidza zvose mari yekubhadhara uye yekuchengeta.
Inzwi harina musoro here? Chaizvoizvo chinogona kuita. Ngatiti iwe unotenga imba 3 kana 4 yekamuri ye $ 200,000 mune imwe nzvimbo inouya uye inouya.
Iwe unochengetedza chikwereti cheFHA, chinoda kubhadharwa kwepashoma se 3.5 muzana yemutengo wose wekutenga. Mushure mekubhadhara mitero nemari, izvi zvinopedzisira zvave zvinokwana $ 7,000.
Nzvimbo yako yekubhadhara mari, iwewo, ichava yakapoteredza $ 1,500 pamwedzi. Verengai madhora mazana matatu pamwedzi yekugadzirisa uye mabhiriro. Ngatiti iwe wakachengeteka vavakidzani vatatu, uye iwe unoparara mukamuri duku. Iwe unogona kubhadhara vavakidzani vako $ 600 chimwe nechimwe, kana kuti kunyange kuvabhadhara ivo pamatanho ekutsvaga zvichienderana nekukura kwemakamuri avo. Izvi zvingave zvakanyatsofukidza chikwereti, mabhiriro, uye chero upi zvake.
Kunze kwe $ 7,000 yako yekutanga kutengesa, iwe uchagara uchikwereta zvachose. Uye iwe wakangosunungura 30 muzana yemari yako. Funga kuti izvo zvaizoita sei mune yako 401 (k) , iwe purofiti yako yekutsvaga mari, kana kuti hove ichaita mune yako chikwereti chikwereti.
Enda Naamai nababa
Kana kutenga imba isiri yemari yakakunakira iwe, pane dzimwe dzimba dzisingakwanisi kuongorora.
Vazhinji vane zviuru zvemakore vari kupinza muzvirevo zvekugara dzimba uye vachizunungusa amai nababa kuti vawane mari yakawedzerwa. Zvechokwadi, vanenge 31 kubva muzana vevana vane makore 18-34 vakagara nevabereki vavo muna 2016, vachienzanisa ne 26 peresenti yemakore makumi mana apfuura, chiitiko chinowanikwa munzvimbo dziri kumaodzanyemba nemaodzanyemba kumaodzanyemba kweU.S.
Kunyange zvazvo kugara pamba hakugoni kufungidzirwa kune vamwe, hazvingobatsiri kungochera mari yeimba asi zvachose kunogona kubatsira kubhadhara mari kuti uwane zvinangwa zvemari nokukurumidza, sekubhadhara chikwereti kana kuchengetedza imba mutsara. Zvisinei, kana uchitarisa nzira iyi, zvakanakisisa kuva nenguva yekupedzisira mupfungwa.
Funga Small
Haakwanisi kutenga imba huru here? Wakamboona imba duku here? Imba yacho duku inotya inotora zvose HGTV uye internet, uye zviuru zvemakore zviri kupinda. Maererano nehuwandu hwemashoko, kune zvingangova gumi zve10 000 zvezvivako zvemaodzanyemba mazana mana nemazana mana muAmerica-uye vazhinji vavo vane vane zviuru zvemakore vanotarisira kurarama mararamiro asina mararamiro .
Zvisinei, kana kutsvaga imba shomanana ihovha yeimba unoshuva, iva nechokwadi chekuchengeta mupfungwa dzako zvipingamupinyi, sekunge iwe uchazobhadhara sei sezvo vazhinji vasiri chikwereti vasingakwanisi kupa chikwereti kune idzi dzimba duku.
Misha mishomanana inogona kutengesa kubva kune $ 10 000 kusvika ku $ 40,000, saka icho chinhu chaicho chinofanira kuchengeta mupfungwa. Mitemo yekugadza inogonawo kuva nyaya, saka unogona kushanda zvakaoma kuti uone kuti "paki" imba yako duku.
Zvimwe Zvingasarudzwa Zvokufungisisa
Pane humwe humwe hutano hwe "imba yekucheka" hunofanirwa kuongorora kana iwe uri mireniyadhi kutarisa kunonyanya kuderedza-kana kubvisa zvachose-mari yako yepamwedzi yekugara, kusanganisira:
- Kuva pet sitter kana kugara kwenguva refu,
- Uchishandisa Airbnb kuti ubvire dzimba dzakawedzerwa mumba mako,
- Kudzora kana unyanzvi hwekutengesa kubhadhara rusununguko, uye
- Kuva nhengo inorarama-in.