Pfuma Pfuma Mutemo 1: Sarudza Muwaniro Nezvinangwa Zvemari Zvinowirirana
Kuwana nekunamatira pamwe nehupenyu hwakanaka naye, kunyanya mumutanho wemari, unogona kuita kana kuputsa mikana yako yekuva mupfumi.
Ichokwadi, maererano nekutsvakurudza kwemunyori uye mudzidzisi Dr. Thomas J. Stanley, mamioneyoni evanhu vanozvipira vanowanzoita kuti vanhu vakawanda vave, uye vagare, vakaroorana nemudzimai mumwe chete muupenyu.
Zvinotarisirwa kuti iwe nehupenyu hwehupenyu hwako mose munoshanda kushanda imwechete yemari. Kana iwe uchitsvaga basa rekurega basa , iye anobatsira kubhadhara mari yakawedzerwa kana zvikamu zvekambani kuti uchengetedze mari yakawanda uye unobatsire mukufarira kuwedzera . Kana zvinhu zvaunotanga kuita zvinosanganisira mararamiro asina mararamiro, anotsigira izvi pasina kutenga zvinyararire shure kwako.
Pfuma Yehupfumi Mutemo wechipiri: Kunyange "Chikwereti Chakanaka" hachisi Chakanakisisa
Nezvishoma zvishoma, chikwereti chinogona kushanda sechimiro cheusungwa hwekuita varanda kune akakwereta, kazhinji kwemakore. Fungidzira hupenyu hwako norusununguko rwekusabhadhara mari pane chimwe chinhu. Ramba chido cheku "ramba uchikwirirana nevana Jones" uye ubhadhara makadhi emakadhi nokuda kwezvinhu zvakadai semidziyo inodhura uye zororo rakanaka.
Ita kuti kubhadhara chikwereti chako chaivepo chiri chinhu chinokosha.
Vamwe varongwa vezvemari vanoti kukwereta kuti mari yezvinhu zvakakosha zvakadai seimba kana dzidzo "ive chikwereti chakanaka," asi vanhu vanowanzosarudza zvikoro uye dzimba dzinodhura pavanobhadhara nemari yakweretwa. Izvi zvinogona kukuchengetedza iwe mune chikwereti kwemakore, uye zvinodhura iwe zvuru zvemadhora muzvibereko zvaigona kunge zvakabhadhara mari yako yekurega basa.
Mune zvikoro zvepamusoro-soro, asi zvekutengesa-zvekutengesa zviriko, uye kutenga imba iri pasi pezvinhu zvako zvinobvumira mari yakawanda kuti ubhadhara mari yako yekutengesa uye yekutakura kuti mari mune mari yekuchengetedza uye kubhadhara mari.
Chivako Chepfumi Mutemo wechitatu: Tora Zvakajeka Pahukama Hwako neMari
Mutemo uyu hauna kujeka, asi kana iwe usingadi kuti vabereki vako vaine mari mune zvezera rako, ita zvakasiyana, zvisarudzo zvaunozviitira iwe nemhuri yako. Panguva yekurera kwako, kuti vabereki vako vakakwanisa sei mari yavo zvichida kwakakonzera kuti iwe unofambisa sei mari yako nhasi. Mari haisi chinhu kunze kwepapepa rine chimiro chomumwe munhu akakurumbira pairi, uye kana iwe unonzwisisa zvinomiririra kwauri, unowana ruzivo rwekushandisa kwako, kuponesa nekuwana tsika. Kana iwe wakagara uchinzwa kuti hauna kukodzera kuwana mari yakakwirira, kurarama pasina chikwereti kana kuva nemari yakawanda se "vamwe vanhu," izvi zvinotenda zvinogona kuita kuti iwe uite zvisarudzo zvisina kunaka zvezvemari zvinokudzivirira. Taura iwe nemafungiro ako echokwadi nekuputsa kuburikidza navo kuitira kuti utange kutanga kuvaka hupfumi.
Pfuma Yehupfumi Mutemo wechina: Tora Kubatsira kweMararamiro Emitemo
Max kunze zvipo zvako kumabhengi ekurega mari gore negore. Kunyanya kana iwe uchiri muduku, iwe unoshandiswa zvakanakira nguva, zvinoreva mamwe makore ekuwedzera kuwedzera kwechibereko.
Kana uine 401 (k) uronga kuburikidza nemushandirwi wako, kunyanya kana achifananidza nemipiro yako, kuripa mairi kuti atore mukana iwoyo. Iwe unogona zvakare, pamusoro peiyo, mari yeRoth IRA nemipiro yegore negore. Dzivisa kukanganisa kwakafanana; usakwereta mari kubva pamabhengi ako ekurega. Iwe haugoni kupa mari yakawanda kusvikira iwe uchibhadhara chikwereti; iwe ungawana zvakaoma kupa mipiro mumakore amangwana, pamwe iwe uchange uchinge uchinge usina kukwanisa kuwana kuwanikwa kune mari yakakweretwa. Tsvaga dzimwe nzira dzekubhadhara zvikwereti zvisingatarisiri zvezvechiremba, tekoroji mari kana kuvandudzwa kweimba yako.
Pfuma Yehupfumi Mutemo 5: Urarame Pasi Pako Zvaunoreva uye Wedzera Kurarama Kwako Pasi Pfupi
Tsvaga uchiti "kwete" kune zvinhu zvausingakwanisi kubhadhara nemari. Kuparadzanisa uye kupinda mune chikwereti zvinoshamisa zvinokonzera mari yauchazove nayo mwedzi woga woga kubhadhara mari yako yekurega.
Tenga imba inoda mari inopfuura 25 kubva muzana yemari yako yemwedzi wemari, uye uwane makore gumi nemashanu ekubhadhara chikwereti pamutengo wakatarwa. Sezvaunowana mari yakawanda, tanga kuwedzera mamwe mari pamutoro wako kuitira kuti iwe unogona kuribhadhara nokukurumidza uye kupa mari iyo kubhadhara mari. Nenzira iyi, iwe uchazvigadzirira kuti iwe uwane mari yakabhadharwa nemari isina kubhadhara mari.
Pfuma Yekutonga Mutemo 6: Shandisa Mari Yako Kubhadharisa Pamberi pevana veChikoro Fund
Izvi zvingave zvisingafambi zvakanaka nevabereki vazhinji, asi hapana chivimbo chekuti vana vako vanoda kuenda kuchikoro. Zvisinei, kune huwandu hwakawanda hwokuti iwe uchatora basa, uchifunga kuti iwe unorarama kwenguva yakakwana. Kana iwe usingagoni kukwanisa kuita zvose zviri zviviri, kuisa mberi kwekuchengetedza basa rekuchengetedza mari pane kuchengetedza kwekoroji.
Pfuma Yehupfumi Mutemo wechinomwe: Tora Kuchengetedzwa Kwemagariro Evanhu Senguva Yakareba Sezvinobvira
Panzvimbo pokubvisa uye kutora rubatsiro rwemagariro evanhu nokukurumidza sezvinobvira, pa 62, dzorera nguva yako yekuchengetedzwa kwehupfumi. Kubva munaFebruary 2018, kana iwe wakaberekerwa gore ra1955 risati rasvika uye wakamirira kusvikira nguva yakakwana yekusvitsa makore 66, uchawana zana muzana yehutano hwehupfumi hwevanhu. Kana ukanonoka kubhadhara kusvika kumakore makumi manomwe, iwe uchawana bhonasi, iyo inowedzera kubhadhara pa 132 kubva muzana yemari yaunogamuchira mwedzi mumwe nomumwe kana wainge wapedza basa pa 66. Usamirira kuendesa Medicare zvakadaro; iwe unoda kushandiswa nezera remakore makumi matanhatu nemashanu kuti urege kuita zvinogona kuwedzera mari.
Iko Balance haisi kupa mutero, utsvaga, kana mari yemari uye mazano. Mashoko aya ari kuendeswa asina kufunga nezvezvinangwa zvekutsvaga, kubvumira kusangana nematambudziko kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye angave asina kukodzera kune varairi vese. Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru.