Mutemo weThumb Method
Chimwe chirevo chinowirirana chechigunwe chinotaura kuti iwe unoda nezve 80% yemari yako isati yatora mari paunenge uchirega basa.
Saka, kana iwe uri kuwana $ 50,000 pagore musati wasimuka, unogona kuenzanisa kuti iwe unoda kudarika madhora makumi mana emakumi mana emari yekuwana mubhadharo.
Chikonzero chirevo ichi chinoti iwe uchada mari shoma kana iwe uchirega basa ndewekuti iwe uchave uine zvishoma mari yekurasikirwa. Mutemo uyu unofunga kuti iwe unogona kunge usisina chikwereti, pasina vanovimba vari kugara kumba kuti vatsigire, uye havachagoni kuisa mari kunze kwekuchengetedza mari. Sezvaunogona kuona, idzi dzakanaka zvakanyanya kufungidzira.
Kunyange zvazvo hutongi hwe80% hwechigunwe hunoita kuti iwe uwedzere kufungidzira, iri kure nekukwana. Kune vamwe vanhu, vangave vachida mari yakawanda muhutano zvichienderana nezvavanoronga kuita. Vamwe vangave vari kutarisa kutenga imba itsva, kuita mafambiro akawanda, kana kuti vangatarisana nehutano hunoita kuti zviwedzere kuwedzera mari yekuchengetedza utano.
Detailed Expense Method
Kutonga kwechigunwe kunogona kunge chiri chinhu chakanaka kutanga kwevechidiki, asi apo iwe unoswedera kumubhedha kunokosha kuti utarise zvakanyanya kuti mari yaunoda chaizvo.
Nzira yakanakisisa yekuenzanisa mari yakawanda yaunoda ndeyokutarisa pane zvaunotarisira mari inoshandiswa mukurega.
Kutanga, zivisa nzvimbo yako yekusarura mari. Chii chaunofungidzira kuti Social Security inobatsira ? Uchave uri kugamuchira penjeni here? Uye uchave wakachengetedza zvakadini pakurasikirwa? Zvadaro, funga nezvezvinhu zvaunotarisira zvichaita.
Ucharamba uri kubhadhara chikwereti chako paunotora basa here? Iwe unenge uchifamba kana kuti uite chero chinhu chikuru chekutenga? Ndeipi upenyu hwako hwekutarisira uye mari yako inoda kugara kwenguva yakareba sei? Uye usakanganwa kuongororwa nehutsika.
Kana uchingotanga kuwedzera mari yako yedzimwe mwedzi pamusana pokurasikirwa, kunyange kana ichangotaridzirwa, ikozvino, ichakubatsira iwe kutanga kuona mari yaunoda kuti iwe uwane mari iyi. Iwe unogona kuwana zvakanyanya kudarika zvinotarisirwa, kana zvinogona kunge zvakanyanya kudarika zvaatarirwa. Kubvira ipapo unogona kufunga zvaunenge uchifanirwa kubhadhara mari yako uye uone kuti yakawanda yeiyo yakasara kana yekusakwana iwe.
Zvaunofanira kuita Kana Iwe Usave Wakakwana
Kana zvichiita seusina kuchengetedza zvakakwana zvakadaro, inguva yekutanga kuronga ikozvino kutanga kutanga kuchinja. Hazvina mhosva kana uri wemakore makumi matatu kubva pakubata basa kana kuti makore mashomanana - kutora matanho kunogona kutungamirira kukunatsiridza mukurasikirwa.
Kana iwe uchiri nemakore mashomanana kusvikira wapedza basa, funga kufungidzira yako 401 (k) chirongwa kana mipiro yeIRA . Iyo yakawedzerwa mari yako inofanira kukura, zviri nani kubva iwe. Chidimbu chibereko chinhu chinoshamisa, saka usarega nguva ichikupfuura iwe.
Kune avo vangave vakatova vakagadzirira kubhadhara mari, mari yekuwedzera inogona kunge isingakoshi.
Inogona kubatsira, asi iwe unogona kuwana zviri nani kunonoka kubhadhara zvishomanana kana kunonoka Social Security. Unogona kushamiswa kuti rimwe gore kana maviri rebasa rinogona kubatsira mamiriro ako ezvinhu. Zvinogona kunge zvisina kunaka, asi kana iwe uchinge waita mari yakawanikwa pamwe nezvimwe zvinobatsira zvakadai sehutano inshuwarheni, zvinogona kunge zvisingakoshi.