Nyasha zvikuru , Mai vangu Sam!
Kunyange zvakadaro, kana mafuta ekubhadhara mutero ave tsika yegore negore iwe, saka iwe wakangonzwa wakada kuchinja iwe unorega. Nenzira iyo, taura nyanzvi dzezvemari, iwe unogona kukonzera mari yakawanda gore rese mukuchengetedza, uye rega kupa hurumende chikwereti chisingabatsiri gore negore.
Asi isu tirikuregerera iwe hurukuro.
Hongu, kutora mari yacho uye kuchiisa kuti ishande pane imwe nguva inogadzirisa hunoita hupfumi hwehupfumi. Asi mari yehupfumi haisiyo mutyairi wehupfumi hwehupfumi - manzwiro ndeyekuti, mutauri wezvemari Tim Maurer, munyori webhuku rinonzi "Simple Money." Dzimwe mazano ezvemari zvichakuudza kuti ubvise manzwiro ako kubva kune zvaunosarudza kuita zvemari, nokuti vanofarira zvinotungamirira pakuita zvisarudzo. Asi Maurer anofunga kuti uri nani kana iwe uchigona "kuvabvuma, kuvabvuma, uye kuronga navo mupfungwa," anodaro.
Muchiitiko ichi, kana iwe uchiziva kuti iwe unowedzera kuchengetedza kubhadharwa kwegore negore kamwechete pagore kupfuura kutora zvishoma kubva pamaripo imwe neimwe, "ipapo nenzira dzose, chengetedza zvigaro zvako chero kwavanoda kuva," anodaro .
Asi sarudzo iyi inonyanya kuitwa neyero yakawanda yekuzviziva. Heano mibvunzo mishoma kuti uzvibvunze.
Iwe unoshandisa zvadzo zvekudzorera zvishoma kana zvekare here?
Kana iwe uchigara uchiwana mari, unoshandisa sei mari yacho? Kana ukazvichengetedza, nokuita mupiro weIRA kana kuwedzera kuHSA yako kana kuti 529, iwe uri kuita basa.
Asi kana iwe uchibhadhara pasi chikwereti chawanowanzogadziriswa nenguva ino yegore, uri kuita zvekare. "Chimwe chezvikonzero zvinoita kuti vanhu vawane kubhadharwa ndezvekuti kushandiswa kwavo kumagumo egore kunowanzoita kuti zvidye zvishoma," anodaro Maurer. "Vari mune chikwereti [kubva kumazororo] uye vanoda kubhadharwa kubhadhara." Asi zvakakosha kuyeuka kuti kudzorerwa hakuwanikwi kana mari isingabhadhari - kufunga uku kunogona kutungamirira pakuumbwa kwe-kwete-zvikuru-tsika , kufanana nekupedza zvakawanda kupfuura iwe kana kuzvipedza pazvinhu zvausingafaniri. Kana iwe uchigara uchingobhadhara mari yako pakubhadhara iwe kubhadhara kadhi rechikwereti chikwereti , somuenzaniso, zvino tsika yekuenda kune dzimwe nguva munguva dzezororo chinhu chinoda kutariswa.
Iwe unganzwa sei kana iwe waifanira kunyora cheki kuenda kune IRS?
Iko pfungwa yekuisa mari yakawanda pamari yekubhadhara kuburikidza nekuderedza kunamatira kwako kune inofadza (uye iwe unogona kushandisa iyi calculator kubva ku IRS kuti uwane kuti inguva yakakura yebhadharo yako ingave yakadini). Asi chii chinoitika kana iwe ukakunda uye uchinge uchingokwereta mari yehurumende? Kana pfungwa iri kutokupa iwe kuzvidya mwoyo, zvino teerera kwairi, anodaro Maurer.
"Zvakadini mumwe munhu chaizvoizvo achiponesa kuitira kuti azviise mupfungwa?
Kana iyo ikashanda kune mumwe munhu kuti awane mari yakakwirira ... saka izvi zvakanaka. "Kana iwe zvachose uchivenga pfungwa yekunyora Ambuya Sam cheki gore negore panguva yemitero, zvino zvakanaka kuti uchengetedze kuti uri kupi.
Iwe unobata maduku nemhepo huru yemhepo here?
Kana iwe usingave nechokwadi chekodhi yako yepamusoro pane izvi, funga nezvekupedzisira nguva yawakasimudza. Wakawedzera mari yako, kana kungoshandisa yako chete? Kana kuwana bundu duku iri mubhadharo rinowanzoita kuti iwe uwedzere mari yakawanda - asi mhepo huru inofanana nemabhonasi kana kudzorera kunoenda kunotarisira kune chikwereti kana chikwereti - saka iwe uri nani kubatisisa kubhadharwa kudarika kuwedzera mubhadharo wako.
Mutori wenhau wezvemari Jacquette M. Timmons anotsanangura kuti tinoshandisa mari shoma shoma pane zvatinotakura zvikuru. "Tine chido chekuderedza zvishoma uye kwete kunyatsoziva kuti zviduku izvi zvinowedzera nekukura sei.
Kunyangwe kuchengetedza $ 2.74 pazuva kwegore, rinowedzera kusvika kune $ 1000, "anodaro. "Nemari yakawanda, iwe unofunga kufunga zvakawanda kwavari, uye unoita zvakawanda navo." Chinokosha, kana ukasarudza kugadzirisa iwe kubvisa kuti uwane zvakawanda mubhadharo rega rega, ndeyekufanana nekugadzirisa kuti iwe uri kugovera zvakadini pakuchengetedza . "Iwe unofanirwa kushandisa chirongwa ichi pakarepo," anodaro Timmons. "Ndicho chinhu chinokosha." Zvimwe, iwe ungangodaro uri kuparadza.
Iwe une zvinangwa zvenguva pfupi uye kwenguva refu?
Pasinei nokuti iwe unosarudza kuderedza kubhadhara kwako kana kuchengetedza zvikwereti zvinouya, iwe uchave wakabudirira kufungisisa nezvemari kana iwe wakanyatsogadzirira chirongwa chezvaunoda kuita nayo, inoti Timmons. "Pane kuenzana pakati pekubhadhara mutero uye bhonasi," anodaro. "Kana iwe usina chinangwa uye chinangwa, uchitova nepurogiramu yemari, uye-apo pakarepo mari yacho ikakuvhura account yako - iwe unoshandisa [chirongwa ichocho] pakarepo, iwe unenge uchida kuparadza mari yacho."
Chinokosha: Kunyange zvakadaro iwe unosarudza kuwana mari yako, unofanirwa kuva nechirongwa chekuchichengeta.
Ndiina Kelly Hultgren