Zvakanaka, chidzidzo kubva kuYunivhesiti yeScranton chakaratidza kuti 8% chete vanhu vanogona kuita izvozvo.
Asi hazvifaniri kunge iri / kana, kunyanya kana zvinosvika pakugadzirisa kusanganisira mari yako. Chinokosha: kuisa zvinangwa zvishoma zvakaoma kuti zvibudirire kubudirira. Pamusoro pezvo, takufukidzira nehuwandu hwe "kuderera-kushanda" kwehupfumi. Imabasa yatakagadza inofanira kutora maminitsi makumi matatu kana kudarika kuti apedze, asi inogona kuguma nemubhadharo mukuru mugore rose rinotevera uye pasi pemutsara.
Shandurai kuti muponese zvimwe ...
Zvichida basa rakanakisisa raunogona kuita iye zvino nokuda kwekudzoka kukuru pane nguva yako nemari gore rakatevera? Isa mari yako yega-pilot. Kana iwe uchitove wakanyoresa purogiramu yekubatira basa uye hausi kuwedzera, wedzera mupiro wako nevanenge 1 muzana, uye gadzirisa kurindira kendaneti kwemwedzi 6 kubva ikozvino kuti uite zvakare. Kana iwe usina nzvimbo yebasa, gadzira iwe pachako nenzira yeIRA kana Roth IRA , uye ugozvipira zvipo.
(Ronga zvirongwa zvokufungisisa zviri pano uye pano.) Zvadaro, gadzirai imwechete yekuisa-iyo-uye-kukanganwa-iyo mitsva muzvikwereti zvekuchengetedza utano, 529 nhoroondo dzekuchengetedza makorosi uye pachena vanilla savings zviitiko zvekukurumidza.
... uye kudzivisa mari.
Kubhadhara kwakapera kana kukanganisa kwemhando ipi neipi kunogona kuita kuti uwedzere mari uye uite kuti urege kunetseka.
Vamwe vavo vanogona kukuvadza zvakanyanya chikwereti chako (nezvikamu zana nemakumi mana, maererano neTransUnion's score simulator). Saka tora maminetsi mashomanana kuti uende kune mawebsite ezvinyorwa zvako, makambani einishuwarenzi, makambani ekadhi rechikwereti uye chero mamwe mabhizimisi anowanzogadzirisa kuti ugadzire zvinowanzobhadhara. Kana uri kunetseka pamusoro pemari inoyerera, taura uye uchinje mari yako yemwedzi unoenderana nemitambo kuitira kuti ienderane zviri nani nebhajheji yako, anodaro Rod Ebrahimi, mutengesi uye muongorori wechikwereti.
Fungidzira zvimwe kuchengetedza mupfungwa
Kana iwe wakanga uine dambudziko rokuchengetedza gore-ne-gore kunze, download Digit. Ndiyo purogiramu yekuchengetedza iyo inoongorora iwe pachako kushandisa mari yakarongeka, saka zvisikwa zvinyararire zvishoma zvishoma zvemari inofunga kuti haugoni kuona. Pane mari yepamwedzi ye $ 2.99 pamwedzi, asi muvhareji mudzidzi anoponesa pakati pe $ 80 ne $ 170 pamwedzi. Izvo zviri kufambira mberi.
Tora kuchengeteka.
Mazuva ano, kukanganisa kwemashoko kwakazara zvokuti haunzwi kunyange nezvese. Zuva roga roga, zvinyorwa zvematare emadhora ehu 5.1 zvakabbiwa, maererano neBlack Breach Index. Kusvikira hurumende ichiratidza nzira iri nani yekudzivirira vatengi, nzira yakanakisisa yekuita ndeyokutora zvinhu mumaoko ako. Kamwe chete pagore, ipai mvumo yako yemarikiti kamwechete-pamusoro-iwe unogona kuidhonza yose yega kamwe kamwe pagore pa AnnualCreditReport.com.
Zvadaro, simbisa masayeri pazvinhu zvako zvose zvezvemari 'mawebsite kuitira chero nguva inenge iri paIndaneti kana kutengesa foni-kana chero nguva yekupedza zuva rimwe nerimwe kudarika imwe chiyero. Pakupedzisira, funga kusunungura chikwereti chako pazvikamu zvitatu ( Equifax , Experian uye TransUnion) iyo inogona kudzivirira vashandi vatsva kuti vasawana mharidzo yako yekwereti uye, nokudaro, kuzarura zvinyorwa zvitsva muzita renyu. Chikwereti chakasununguka chinouya nemari mune dzimwe nyika (iwe unogona kutarisa pamusoro pako pano), asi kana zvakadaro, iwe unongotongerwa kana iwe uchikanda kana kusunungura chikwereti chako.
Chengetedza zvikwereti zvako uye mari yezvibereko.
Chengeta maminitsi gumi nemashanu pamakendendara yako kuti utone kushandiswa kwako, inshuwarisi uye makambani emakadhi echikwereti, uye bvunza kudiwa kwechiderera chepasi, zvidzidzo kana kukwidziridzwa kwenguva. Zvakakosha: Kuongororwa kweCreditCards.com kunoratidzira vanopfuura vasere kubva pavatatu vemuAmerican cardinal avo vakashevedzera uye vakakumbira kuti vashandise gore negore kana kuti nguva yekupedzisira, kuderedzwa kwechikwereti kana chikwata chikuru chekwereti chakabudirira.
Inobhadhara kuva yakanaka asi yakasimba-uye, kana iwe uine nguva yakawedzerwa, ita tsvakurudzo yako kune vakwikwidzana 'mahara usati washevedza chaizvoizvo cinch chibvumirano. Ndiyo pfungwa yakanakisisa yekushevedza kambani yako yekadhi yekwereti kuti ikumbire mutengo wakaderera kana APR yako inopfuura 15 muzana, inoti Ebrahimi. Kana uri auto inshuwarisi, bvunza pamusoro pezvikomborero zvinobva pavana vako (kana vari mudzidzi akanaka kana kuti kuenda kurejiji) uye iwe pachako (kana uri kufamba makiromita mashoma gore rino kana uchangobva kutora motokari yekudzivirira inodzivirira).
Ramba uri pamusoro pemitero yako.
Kana nguva yemutero inosvika, zvinowanzonetsa kuyeuka chero mutero-deductible mari kubva pakutanga kwegore. Asi kwete kuchengetedza zvemabasa-kushambadzira mari, zvipo zvechipo uye zvimwe zvinoshandiswa zvinogona kukudhura zvakakosha kuchengetera gare gare nenzira yekuderedzwa. Basa rinokurumidza remaminiti maviri raunogona kuita ikozvino richakuchengetedza huzhinji hwemusoro unouya mushure mutero? Gadzira faira mu email yako kana iwe kufungira hutori (zvichienderana nekushanda kwaunoita zvakanakisisa) zvakanyorwa kuti "Kudzingwa Kwemitero," anodaro Benjamin Sullivan, anoronga mari yePalisades Hudson Financial Group. Zvadaro, mugore rese, dharai muW-2 mafomu, mabhizimisi emipiro, mitero yeimba yepamusoro, mari yekubvisa mari yemari risiti uye mamwe magwaro akafanana sezvaunogamuchira. Izvi zvinofanira kukuchengetedza nguva uye kunetseka kunouya gore.
Sarudza kutengesa zvakanaka.
Shandura zviitiko zvako zvekutenga gore rakatevera nematombo anogona kukuchengetedza mari kana kupa mamwe. Chokutanga, shandisa zvakanakisisa zvikwereti zvako zvekadhi rechikwereti (izvo zvingawanzove zvisinganzwisisiki kana zvakaoma kunzwisisa) nekukandira purogiramu yakadai saWallaby, iyo inokuudza zvayo yemakadhi ako ichakupa iwe mibayiro yakawanda yekutenga kupi zvako. Zvadaro, tora maminiti mashomanana kuti usayinese kubhengi yemari-back seEbates. Apo iwe unotengesa muIndaneti muna 2018, kuwana zvipfeko iwe unowanzopfuura kuburikidza neiyo portal ichakupa chikamu chekutsvaga chezvaunoshandisa. Pakupedzisira, tora rwechipiri kuti unyore sangano rekutsvaga rekutsvaga seIndaneti, iyo inotanga kuedza kero imwechete yekubvisa iyo inogona kukuwana iwe panguva yekuchechedza-uye yakachengetedza vashandisi vanopfuura $ 170 mamiriyoni kusvika zvino, maererano nemubatanidzwa wevashandi Ryan Hudson.
Gadzira yako pachako yemari mantra.
Pakupedzisira, ngatifemedzei. Kutsvakurudza kwakaitwa naSarah Newcomb, nyanzvi yezvematongerwo enyika paMotstarstar, inoratidza vanhu vanotenda kuti vari kutonga kwemari yavo vanochengeta mari yavo zviri nani mubhodhi (mari, chikwereti, kuchengetedza nezvimwe zvakadaro). Zvakawanikwa zvinoratidzika sezvokwadi pasinei nemari, makore, dzidzo nezvimwe zvinhu. Uye kana iwe uchinzwa kuti firimu yako yezvemari iri kunze kwekutonga kwako? Zvakakosha kutora matanho ekuchinja mafungiro ako. Mangwanani oga oga mune girazi, shandisa mvumo yekuita kuti maonero ako emari ave akanaka. Edzai, "Ndiri kutonga zvekugadzirisa mari yangu," "Mari yangu, zvisarudzo zvangu" kana "Ini ndinobata simba muhupenyu hwangu hwehupfumi." Kufunga sokuti iwe pachako uri nemari yako chinhu chinokosha pakugadzirisa kuchinja kwegore rose-uye kupfuura.
NaHayden Field