Tsvakurudzo-yakabatanidzwa nehupenyu hurefu - "inonyatsosimbisa kukosha kwevakadzi kuti vasapedze," anodaro Katie Libbe, Allianz Life Vice Mutungamiri weConsumer Insights.
Anoti: "Nokuti iwe hausi mariri, hazvirevi kuti iwe unogona kungotumira uye kusazvicherechedza."
Kana iwe unonetseka pamusoro pokurambana nomudzimai wako, hezvino ndiyo huru 7 mari inofanirwa kuita iwe ikozvino.
Tanga Hurukuro. Iye zvino.
Kana kutaura nezvemari hakuiti zvisizvo kwauri - kana kana iyi ichange iri nguva yokutanga iwe uchikumbira kuti uite zvakawanda mune zvemhuri dzemhuri - uye unonyorera nzira yako, anodaro Lili Vasileff, anoronga mari uye murevereri. Sarudza imwe nguva kana mumwe wenyu akasimbiswa, uye shandisa mutauro wakaita sekuti: "Ndinofanira kukwanisa kutarisira zvinhu zvemari kana chimwe chinhu chichizoitika kwamuri." Kana: "Takagadzira izvi pamwe chete - tinofanira kugoverana , kugovera zvinetso, uye dambudziko-kugadzirisa pamwe chete. "Kana iwe ukadzingwa kana ukasangana nokushorwa, uchikoka munhu wechitatu muhurukuro - semudzidzisi wezvemari, gweta rekugadzirisa zvemari, kana kuti mutori wenhoroondo - anogona kugadzirisa mvura.
Ita Ushamwari neHwezano Nezvemari
Kana iwe newawakaroorana naye mune mutariri wezvemari , asi iwe haubatanidzi muhukama, inguva yekutanga kupinda misangano nekubatana nehurukuro. Ichi chinhu, nenzira, kuti mutungamiri anofanirwa kugamuchira uye kukurudzira - kuti zvinhu zvinowanzosiya mazano emari ekupa mazano mushure mekufa kwemumwe wako dambudziko revarayiridzi vari kuedza kuedza kugadzirisa.
Kuwana nzvimbo yezvemari ingasave chinhu chaunokwanisa kuita muchikamu chimwe chete. Pachidzidzo chekutanga, iwe unoda kunzwisisa zvaunowana, izvo zvaunazvo, uye zvaunokwereta - mune mamwe mazwi, mari, mari uye zvikwereti. Iwe unoda kuziva kuti izvo zvinhu zvinotengeswa sei nhasi uye izvo chirongwa chezvemari chave chagadzirirwa kuitira kuve nechokwadi kuti iwe une zvakakwana kuti urarame mune ramangwana, kusanganisira inshurensi yehupenyu, inshurensi yenguva refu, mari yepensheni uye urongwa hwekutora Social Security. Cherechedza: Kana iwe usina ukama nemudzidzisi wezvemari, kumbira mumwe wako kuti akufambe kuburikidza nemhinduro dzemibvunzo iyi. Kana hurukuro yazara kana mhinduro dzisinganzwisisiki, maawa mashomanana ane unyanzvi anogona kubatsira kubvisa kukanganiswa.
Dzidzira Zuva-I-Zuva uye Zvirongwa zve "Zvakangoitika"
Kana wangoziva mufananidzo mukuru, iwe unofanirwa kutora nguva yekugadzirisa zuva nezuva-kusanganisira kubhadhara mari. Gara pasi nemumwe wako uye uite parutivi kusvika kune imwechete kusvikira iwe uchinakidzwa nayo (hazvina basa kana iwe uchiita izvi pamagetsi kana nenzira yekare, kunyange zvazvo magetsi angagadzira pepa nyore nyore). Zvadaro tora iwe pachako. Uye, kana chete kana chimwe chinhu chikaitika kune umwe wenyu, tanga chidziro chebhuku nemabhuku ose eakaunti yako: Ndeipi uye sei iwe ungazviwana sei, kusanganisira passwords kuma-akhawunti eIndaneti.
Izvi zvinonyanya kukosha kana imwe yenyaya idzi dziri muzita remumwe wako chete! Mune zvinyorwa zvinyorwa izvi, zvakare inosanganisira kupi kuti uwane mitero inoshandiswa, kuda, mararamiro ehupenyu, matariro, zviito, mazita, chikwata chako chewanano, uye mapepa ekudzora zvehondo - zvose zvaunogona kuisa kune zvinyorwa.
Gadzira "Chii Kana" Budget
Kana ukangonyatsoziva nezvemari yako, iwe unofanirwa kuronga kuchinja chero kupi zvako kushanduka kokutanga paunourawa nemumwe wako, nokuti mari yako inogona kudonha zvikuru, inoti Libbe. Tsvakurudzo inobva kuNational Institute on Retirement Security (NIRS) inoratidza kuti vakadzi vane 80 muzana vanogona kupinda muhurombo mukurasira kupfuura varume. Uye US Census Bureau inoratidza kuti chirikadzi vakadzirika kaviri vanogona kurarama muhurombo kupfuura varume vakaroorwa.
Kuti ubudise iyi bhajeti pamwe chete , kuunganidza zvose zvauripo zvino zvekuwana mari - kubva kumabasa, Social Security, pensions nemari yekutsvaga - uye kuverenga chii chaizoitika kana iwe waifanira kuenda uri woga.
Zvadaro, tanga mutsva wekubuda kwemari. Ndezvipi zvauripo zvino mari - zvose zvakakosha uye zvinonzwisisika - uye iwe uchava nemari yekuvatsigira here? Kana zvisina kudaro, mari iyo ichabva kupi? Ita kuti hutano hwehutano hwakanaka uye imba inowanikwa mukuverenga kwako, anodaro Vasileff. Zvibvunze: Uchakwanisa here kuchengetedza hutano hwako huripo? Unofanira kuchengeta imba here?
Tarisa Zvaunotora
Kana ukarasikirwa nemumwe wako, iwe unorasikirwa nekwanisi yekubatanidza zvinhu zvakadai semari yemari yemari uye makadhi emakadhi. Ndosaka zvakakosha kuti iwe urambe wakasimba zvikwereti zvemari yako pachako. Enda kune creditkarma.com kuti ubvise chikwereti chako chikwanganiso chepachena; kana zvisiri pakati pema 700 kana kuti zviri nani, shanda pazviri nekuita kuti iwe ubhadhara zvikwereti zvako nenguva; kuripa pasi makadhi ako ekwereti kuitira kuti iwe usashandise zvinopfuura 10 muzana kune 30 muzana yekwereti yako chikamu; usashandira makadhi iwe hauna hanya; uye usavhara iwe iwe usingashandisi. Zvadaro, enda kune yearcreditreport.com uye tora chikwereti chako chekwereti pasina rusununguko , kuve nechokwadi chokuti ruzivo rwuri pairi rwakarurama uye ndewewe. Kurwisana kukwidza chikwereti chako hakusi nyore - asi zvakatooma kana iwe uchifanira kuzviita iwe mushure mekunge warasikirwa nemumwe wako.
Ndiina Kelly Hultgren