5 Zvikonzero Ramba Uchida-Madzimai Amai Vanofanirwa Kufunga Nehupenyu hweInishuwarenzi yeupenyu
Kune zvikonzero zvizhinji nei kugara-kumba-mamama vanoda inshuwarheni yehupenyu panzvimbo.
Usati wataura kuti uri "wakarurama" amai vanogara-kumba-vasina mari yezvipo kune veimba yenyu, funga nezvezvikonzero zvishanu zvinoita kuti basa rako rive rakakosha kupfuura inshuwarisi yeupenyu:
A Life Insurance Policy Inogona Kuvhara Mari Dzimba
Aya ndiwo mazita emabasa akawanda Salary.com inopa kugara-pamusha mamamese mumwaka wayo weMamai Salary Survey:
- Chief Executive Officer
- Computer Operator I
- Cook
- Day Care Center Mudzidzisi
- Manager Manager
- Mutariri weimba
- Janitor
- Laundry Machine Operator
- Psychologist
- Van Driver
Muna 2014, webhusaiti imwechete yakabudisa mushumo unoti vanogara-kumba-kumamhuri muUnited States vaizowana $ 118 905 pagore nekuda kwemabasa avo akawanda.
Kunyange uchifunga iwe uri kugara-kumba-kumusha usina mari yeko?
Kungoti iwe hausi kugamuchira paychack yakasinwa hazvirevi kuti hauiti kuti mhuri yako iwane mari. Kana chimwe chinhu chakaitika kwauri, wako wako angave achida kubatsirwa kunze kwekubatsira kusavapo kwako.
Muna 2006, guru guru rezvemari Dave Ramsey rinofungidzira kuti $ 300,000- $ 400,000 mazano angave akadikanwa kuti aite mari yezvose zvinogara mumusha amai mazuva ese. Iwe haugone kuchinjwa, hongu, asi mumwe munhu anokwanisa kubhadharwa kuti abatsire kuchengeta mhuri yako kushanda sezvinowanikwa sezvinobvira pasi pemamiriro ezvinhu.
A Life Insurance Policy Inogona Kubatsira Nokuchengeta Vana
Chimwe chezvinhu zvikuru, zvemazuva mazhinji zvinoshandiswa nemhuri yako zvichatarisana kunze kwako iwe mari yekutarisira vana. Vabereki vanobhadhara muvhareji ye $ 15,895 yekutarisira nguva yakazara yevana mukati, maererano neNational Association of Child Care Resource uye Referral Agencies (NACCRA). Rimwe gore mushure mekuchikoro kuchikoro pane imwe nzvimbo inosvika $ 10,720 pamwana.
Mumwe mudzimai ane basa raanofanira kufamba kana nguva dzeusiku acharwa zvakanyanya. Kuwedzererwa kwemaawa uye manheru kunogona kukurumidza kudya mubhadha yemhuri yebhangi.
Pasina iwe, mumwe munhu anofanira kutarisira vana vako apo wako wako ari kushanda. Sarudza inshuwarisi yehupenyu huwandu hunosanganisira izvi zvinodhura gore negore.
A Life Insurance Policy Inogona Kubhadhara Dzidzo
Kune vana vomusha, kurasikirwa naamai kunorevawo kurasikirwa nemudzidzisi wavo. Imi nemumwe wako munoda kusarudza kuti ndiani achadzidzisa vana vako kana iwe uchizopfuura. Mari inoshandiswa pachikoro chekunze kana mudzidzisi wega wega ndeyekufungisisa nekuda kwehushuwarisi hwehupenyu hwako kana uchida kuchengeta vana vako kubva kuchikoro chevanhu.
Inishuwarenzi yehupenyu inogonawo kubatsira kubhadharira vana vako 'dzidzo yekoroji. Bhuku reCollege rakabudisa nhamba dze2008 kusvika ku9 yekoroji, zvichiratidza dzidzo dzechikoro dzinokwana 5.9%, pachiyero, pamakoroji ega ega uye 6.4% emakoroji ehurumende.
Izvo zvinodarika $ 381 kusvika ku $ 408 zvimwe mugore rimwe chete. Kana amai vevana vaduku vakafa nhasi, funga kuti kukwidzidza kwekoroji yekorosi yemutengo ichaiswa sei nguva iyo vana vayo vane makore 18.
Ikoji yeCollege's cost calculator inofungidzira mudzidzi wemakore mana achipinda koreji yevanhu vose muna 2015 achabhadhara mari inosvika $ 25,996 pagore yezvidzidzo zvake. Nhamba iyoyo inokwira kusvika $ 34,788 kuti mudzidzi apinde mujiji imwechete muna 2020.
Utano hwehupenyu hwe inshuwarisi yako haufaniri kuvhara zvose zvinodhura zvekudzidzisa kwekoroji. Inogona kuva chikwama chechidiki kuti mwana wako awane dzidzo pasina kuunganidza chikwereti chakawanda, kunyange zvakadaro.
Unogona Kusiya Vana Vako Nhaka
Tinoda kupa vana vedu zvakawanda. Matoyi pavanenge vari vaduku. Motokari pavanenge vakwegura zvokuti vanokwanisa kutyaira. Kuroorana kwakanaka kwavasingazokanganwi.
Iwe unogona kusiya chiduku chiduku cheiyi shure kuti ubatsire vana vako kana vakura.
Kupa vana vako chikamu chenhaka yako kunogona kuvapa kutanga musoro apo ivo vakuru. Hazvina kufanana nekuve newe ipapo asi inzira imwechete yekubatsira mhuri yako kunze kana iwe usingakwanise kuva.
Nhaka haifaniri kuva mamiriyoni emadhora. Kuchengetedza bhajeti yako kune inshuwarisi yehupenyu huri ikozvino kuitira kuti vana vako vabatsirwe mushure mekunge iwe usati wambobhadhara mari kune mhuri dzakawanda.
Mhuri Yenyu Haisati Yakasvibiswa neBill Funeral
Sangano reNational Funeral Directors Association rinorayira mari yepamusoro yemari yemari ye $ 7045 yegore ra2012. Iyi ndiyo mitengo yemhuri dzakawanda dzisingakwanisi kutora pasina inshurensi yehupenyu.
Wedzera pane zvitsva zvekushandisa mhuri, kuchengetwa kwevana uye dzidzo uye kurasikirwa iwe kwave chinhu chikuru chemari yako mhuri inofanira kutarisana nepamusoro pekushungurudzika kwavo. Mashoko akanaka ndeokuti, inshuwarisi yehupenyu hwako inogona kubatsira kubvisa zvose izvi zvingaita kurashikirwa kwemari. Mari haigoni kutora nzvimbo yako asi kuziva mhuri yako inotarisirwa kana iwe usingagoni kukwanisa kukupa rugare rwepfungwa.
Mikana ndeyokuti iwe unenge uri pano kuzopedza vazukuru vako uye zvichida kunyange vazukuru vako vakuru. Kune mhuri dzakawanda, kunyange zvakadaro, kubhadhara madhora mashoma emari yerishuwarenzi yemwedzi pamwedzi kunonzwisisa. Nekutsvakurudza zvishomanana, unogona kuwana inshuwarisi yehupenyu iyo inopindirana nemari yemhuri yako ichakubatsira kurara usiku, kuziva mhuri yako inodzivirirwa kana chimwe chinhu chichiitika kwauri.