Kuronga Ndiko Kunokosha Kana Uri Kurega Pasina Kuponesa
Kana iwe wakazosvika kumakore ekurasikirwa nemari shoma yakachengetedzwa kupfuura iwe waitarisira-kana yakaipisisa, hapana mari yakachengetedzwa zvachose-iyo inogona kuva kunetseka asi haisi nguva yekutyisa. Zvichiri kukwanisika kunakidzwa nekugadzikana mune zvemari mukurambira kunyange iwe uri kutanga kubva zero; inongoda chirongwa chemari chakanaka .
Tora Nhamba yeMari yako
Kubata pane paunomira pakubhadhara kubva pane mari yemari kunotanga nekunyatsoongorora kwezvinhu zvako. Izvo zvinosanganisira mari yekuchengetedza mari, mari yepensheni inokweretwa iwe nemushandirwi wako, annuities waakatenga uye nheyo dzakabhadharwa nemitero, yakadai se 401 (k) kana mumwe munhu wekubvisa mari .
Kana iwe uchiri kurega kana chimwe chezvinhu izvi panzvimbo, firimu yako yemari inenge yakaita seyakasiyana chaizvo. Muchiitiko ichi, iwe unogona kutarisa kunze kwekuchengetwa nekukwereta maakaiti kune chero pfuma yako yaunayo inogona kubata kukosha, yakadai seimba yako, motokari, antiques, collectibles kana nyika.
Munyaya yezvinhu zvakadai semotokari, nyika kana kuti zvinyorwa zvekare, izvo zvinogona kutengeswa kuti uwane mari yaunogona kuwedzera kune yekuchengetedza mari . Kana iwe wakabhadhara imba yako, kana kuti uri pedyo nekutenga chikwereti-pasina, kutengesa kwacho kungave chimwe chikonzero chekubhadhara mari. Zvakakosha kuva nepfungwa yakajeka yezvinhu zvaunazvo-uye zvaunokwanisa kuita kunze - kana usina chinhu chekuchengetedza mari.
Deredza Kudhonza uye Kuritsa Hurongwa Hwako
Izvi zvinofanira kuenda pasina kuponesa asi kana iwe uri wemakore makumi matanhatu uye pasina kubhadhara mari yekusasiya uri kumirira mumapapiro, iwe uchada bhajeti remvura kuti uite basa rekurega basa. Nguva yakanakisisa yekuronga mari yako yekusarura ndeyekuti iwe uchiri kushanda kuitira kuti uve nenguva yekugadzirisa asi kana uchangobva kupedza basa, hazvina kutora nguva.
Dzokororai mutsara wemari yako nemutsara kutarisa zvinhu zvaunogona kuderedza kana kupedza. Kuderedza imba yako kwave kwatotaurwa sekuti inzira yekuderedza mari yekugara asi kana uri kutsvaga nzira dzakawanda dzekudzivirira pakushandisa, unogona kufunga zvakare:
- Kutengesa imotokari yako uye kuifuratira kunze kwekukamura-kugoverana mabasa kuti ubvise motokari yako yveshuwarensi
- Kubvisa pasi yako foni yerunhare kana iwe uchinge uine imwe uye uchideredza foni yako phukusi kune imwe yakaderera iripo
- Kusimudza dharasiro kuvhuni veimba yeunishuwarenzi yako kuti udzikise mari yako yepamutengo
- Kushandisa kubhadharwa vakuru pavanenge varipo
- Kusayina kwaMedare nokukurumidza kana iwe uchikwanisa kuderedza mari yekurapa kwehutano
- Kusarudza zvigadzirwa zvemagetsi zvichienderana nezita-chivara kana zvichibvira
- Kuita imwe imba isingadhuri kuvandudza kuwedzera simba rekugadzirisa simba uye kuderedza kushandiswa kwezvikwereti, zvakadai sokutenga thermostat yakagadziridzwa kana kuisa kusungirirwa muchitoro chako
Kana iwe uchinge wapinda mubhadharo nemari chikwereti , kuibhadhara paunenge uchienzanisa nekuderedza mari yako inogona kuva yakaoma. Kana kuderedza kushandiswa kwemari kwako kunoita kuti iwe udzose mari zvakare mubhajheji yako, zvingave zvichiedza kuisa zvose kune chikwereti. Asi, iwe unofanirwa kuva nechikwama chemari yekuchengetedza kwekukurumidza. Kana iwe uri mufambo yekuti ungashandisa sei mari yakawedzerwa mubhajheji yako, yakanakisisa inogona kunge iri kuparadzanisa musiyano pakati pekuchengetedza uye chikwereti chako.
Imwe yedzimwe mari yakawanda yaungada kuitarisa kana iwe uri kurega kubvarura kuri kubatsira vana vakuru kana vazukuru mari. Kana iwe wakapa rudzi urwu rubatsiro rusununguko munguva yakapfuura, kuramba uchidaro kungasave kwechokwadi kana zvichibvira mukurasira kana iwe usina mari yekudzokera shure. Kunyange iwe usingasungirwi kugovera tsanangudzo yezvemari yako nevana vako, unofanirwa kujekesa kuti iwe haugoni kutarisirwa kugovera mari kana uri kutambura kutora mari yako pachako pakubhadhara.
Tarisa paZvako Mitsara Inowanikwa
Kana uri kutora mari isina mari, Social Security ingangove iyo yako ndiyo inonyanya kukosha yekubhadhara mari. Iwe unogona kuwana zvikwereti kana uine makore makumi matanhatu, asi izvo zvinoguma nekuderedza kwekubatsira kwako mari. Kana uri kutora rubatsiro kare, zvakakunakira kufunga nezvekuti iwe unogona sei kuumba mamwe mafashamo emari.
Kushanda chikamu-nguva ndiyo imwe nzira. Iwe unofunga, zvakadaro, unofanirwa kuziva kuti kushanda panguva inonzi Social Security kunogona kuita kuti zvikomborero zvako zvideredzwe zvishoma kana zvikwereti zvako zvichipfuura chibvumirano chakabvumirwa . Kutanga rumwe rutivi kune rumwe ruzivo asi rinogona kukubvumira kushandisa unyanzvi huripo huripo kuti uwane mari kunze kwekuti uwanezve zvizere zvebasa.
Pakupedzisira, musha wako unogona kuva chikonzero chemari yekurega mari. Kana iwe wakagadzira huwandu hwakawanda hwehutano, iwe unogona kutora pamusoro payo kuburikidza nemari yemari yekutengesa kumusha kana mutsara wechikwereti, kana kushandisa shanduko yekudzorera . Kusiyana pakati pezviviri ndeyekuti chikwereti kana mutsara wekwereti inofanira kubhadharwa newe; reverse mortgage yakawanda haifaniri kubhadhara chikwereti kunze kwekuti iwe usisiri kugara mumba. Paunenge wapfuura, vagari venhaka vachave vane mhosva yekubhadhara chikwereti chekubhadhara chaipo kuitira kuchengetedza imba, kana kuitengesa nekushandisa mari yekuripa.
Kana izvozvo zvisingafariri kwauri, unogona kufunga kubhadhara chikamuri kana chikamu cheimba yako paAirbnb. Ingoyeuka kuti uone mitemo yekugadzirisa kwaunogara kuti uve nechokwadi chokuti inobvumirwa. Uyewo, usakanganwa kufunga nezvekubhadhara mutero wekutaura kuti Airbnb yekubhadhara mari.