Nenguva pfupi yekurasira basa rekugadzirisa matanho achakugadzirira
Kuwedzera Cash Reserves
Kushandisa pensions uye Social Security, pamwe nekugadzirisa kubviswa kweIRA uye 401 (k) zvirongwa, zvinotora nguva uye mapepa. Zvinhu zvinogona kunonoka uye iwe haungatori nguva yako yekuongorora penhepfenyuro nenguva, saka unoda kuronga gadzika kana maviri munzira.
Gadzirira kunonoka nokuva nemari yakawanda yemari yakasvibiswa muzvikwereti zvakachengeteka ; zvinhu zvakadai sokuchengetedza, kutarisa uye mari yemakakiti maakaiti. Nhamba yacho inofanirwa kubva kune imwe nzvimbo kubva pamwedzi mitatu kusvika kumitanhatu yekugara kwekushandisa mari.
Tarisa kuti mari yakawanda ipi yaunoda kuti usiye
Kuti usarudze kana iwe uine zvakakwana kuti upiwe basa , unofanirwa kukura kuongororwa kwakarurama kwemuwandu wemari yaunopedza, uye muwandu wemari yaunenge uine mwedzi woga woga. Kunyange zvazvo uchibvunda, iyi ndiyo danho rinokosha rinoshandiswa pakusarudza basa raunogona kutora.
Tanga nejeri pad uye nyora pasi yako yekutora pamba pamba uye mari yako yemazuva ose.
Usakanganwa nezvezvinodhura zvinoshandiswa sezvinoitwa kuita zvinhu zvinokuvaraidza, kumba kunatsiridza, uye kugadzirisa motokari.
Zvadaro nyora pasi mari yaunowana pamwedzi iyo ichawanikwa kubva pensions, Social Security uye IRA / 401 (k) kubvisa. Iko nhamba iyi iri pedo nemutero wako wekutorera kumba? Kana zvisina kudaro, iwe une zvisarudzo zvina: shandisa zvishomanana mukurasira, shandisa zvakawanda zvino, shandisa makore mashomanana, kana kuwana mari yakakwirira yekudzorera pazvikwereti zvako.
Kana iwe usiri mukuru mukuita izvi kuverenga pane iwe pachako kutsvaga mudzidzisi wepamusoro wemari kuti abatsire. Kurega basa, tarisiro, chimwe chinhu chaunongoita kamwe chete, saka kutsvaka rubatsiro rwezvenyanzvi rwakanaka.
Ongorora Mitezo Yemitero
Iwe unenge uri mubhaketi shoma shoma mumakore mashomanana here? Zvadaro iva nechokwadi chekuwedzera mari yemitero-deductible ikozvino. Uri kufunga nezvekufamba? Kusvika ku $ 500 000 kana yakaroorwa ($ 250,000 kana isina) yemari inowanikwa kubva kutengeswa kweimba yako inogona kunge isingabhadhara mutero (zvichienderana nemitemo IRS). Une kambani yeboka inoda kuve yakasiyana here? Purogiramu yemari yemutero ichakweretwa gore raunotengesa sengo kana kuparadzira kutengeswa kwemakore akawanda emakarani.
Vapoteri nguva dzose vanoderedza huwandu hwemitero yavanozobhadhara pamubhedha. Kuronga zvishoma munzvimbo ino kunogona kukuchengetedza kubva kune dambudziko guru gare gare.
Dhidzai Mari Yenyu
Kurinda nzvimbo yako yepamusoro kunokwira nekudzoka zvakare hakunakidze, asi pamagumo, chero bedzi paunoguma nemari yakakwana yemari, hazvina basa kuti wakawana sei.
Kana uchinge wapora basa, zvakadaro, iyo nyaya yakasiyana. Paunenge uchitora nguva dzose kubva pane imwe nzvimbo, kukanganisa kunobatsira zvikuru.
Izvi ndizvo chimwe chinhu isu isu retirement retirongwa tinoshevedza mararamiro ehutano . Kuderedza kupera uye pasi kunogona kuwedzera zvakanyanya matambudziko ayo mari yako ichagara kuburikidza nehupenyu hwako hwekutarisira.
Shandisa nguva uchifunga kuti kudii kwemazvikwereti kuchazadzisa mukana wekudzoka iwe unoda iwe uchive nehuwandu hwehutano hunonzwisisika kwauri. Mamiriro ehutano / hunodzoka ehutorikoti yako ichasarudza mari yakawanda yaunowana, uye ichareba kwenguva yakareba sei.
Dzidzidzise
Kunyange zvazvo zvakakosha kutsvaga mazano ehutungamiri, chokwadi haisi munhu achazombofunganya nezvemari yako zvakanyanya sezvaunoita. Tora nguva yekudzidza nezvekurayira basa uye kubhadhara mari.
Iwe unoda kudzidza nezvekugadzirisa matanho anokonzera kugovera chikamu mukurasikirwa sezvo zvakasiyana zvakanyanya kupfuura kuunganidza chikamu.
Uye kukanda kunze kwekutenda kwakadai se "annuities haisi yakanaka" kana kuti "kudzoka kwembai mari yakaipa". Endai kuronga kwenyu nemafungiro akazaruka uye nechinangwa chekuita chokwadi chekuti mari yenyu yakachengeteka. Iyi nzira ichakutungamirira iwe kuti uite zvisarudzo zvakakosha kupfuura iwe kana chinangwa chako chirikuwana mukana wepamusoro wekudzoka.
Mamwe mazano: enda kune rimwe boka rekutsvaga mari mumunharaunda yekwunivhesiti yemunharaunda yako, tora inowanikwa muInternet class , uverenge mabhuku, uye shandisa internet kuti udzidze. Iwe wakashandisa huwandu hwehupenyu hwako huri kuwana mari iyi; ikozvino inguva yekudzidza kuti ichawana sei iwe.