Budgeting
Pachinhu chaicho chepamusoro pehupfumi hwemunhu , iwe uri kutarisana nebhajeti; iwe unoita mari uye iwe unopedza mari iyoyo.
Kunyange kana iwe usati wakasika bhadharo yakanyora uye yakanyorwa iwe unoramba uine bhadharo zuva rega rega. Paunotarisana nekushandisa mari pane chimwe chinhu chaunofunga nezvazvo uye unoziva kuti nekushandisa mari iyo haungakwanisi kushandisa mari imwechete pane chimwe chinhu.
Dambudziko rinokonzerwa nekusava nemari yakajeka ndeyokuti isu takatarisana nezvisarudzo zvakawanda zvezvemari zvinenge zvisingakwanisi kuchengetedza nekuyeuka zvinhu zvose. Kushayikwa kwekunzwisisa kunogona kutungamirira kune kudarika zvakanyanya, matambudziko emakwereti kana kunyange kusakwanisa kukwanisa kugadzirira hurongwa hwako munguva yemberi.
Paunenge uumba bhajeti iwe unotanga kuona mufananidzo wakajeka wemari yakawanda yaunayo, zvaunoshandisa pairi uye zvakadini, kana pane zvakasara. Kana ukangoona mazamu uye zvikwereti zvemari yako iwe unogona kukwanisa kushandisa mari yako kuitira kuti zvinhu zvakakosha zvigone kuvharwa apo uchingorambidza kushandiswa kwemari kunobvumira kuti uchengetedze mari.
Kudzvora Mari
Mushure mekunge maumba bhajeti iwe unogona kutanga kuona kuti mari inoda kuderedzwa kuti uwane zvinangwa zvako. Kune vamwe vanhu, izvi zvinoreva kudya kunze uye kune vamwe, zvinogona kureva kubvisa iyo motokari yakawedzerwa. Chero zvingave zviripo, munhu wese ane nzvimbo kana maviri apo mari inogona kuponeswa nekuderedza zvimwe zvekushandisa mari.
Kubva pane chikwereti
Kunyangwe mushure mekugadzira bhajeti yemari uye kubvisa zvisina kukodzera mari iwe unogona kuwanikwa uine chikwereti chakakonzera kubvisa. Nhepfenyuro inoshandiswa, kana kushandisa chikwereti uye kutora chikwereti pachako hachisi chaicho chakaipa asi kune mhando mbiri dzechikwereti: chikwereti chakanaka uye chikwereti chakaipa.
Kana iwe ukwereta mari yekutenga imba iwe uri kutora chikwereti chakawanda, asi kuderera kwechikwereti nemari uye kutenga kwefa inogona kukura muhuwandu inzira yakagamuchirwa yemari. Kune rumwe rutivi, kana iwe uchienda kune mall uye iwe uine nzvimbo yekutengesa uchishandisa kadhi rako rechikwereti rine 24% yegore rekutora chikwata pasina kubhadhara zvachose zvakakwana chikwereti chakaipa .
Kubuda mune chikwereti hazvifaniri kunge zvakaoma asi zvinokosha mukusvika mune imwe nyika yekusununguka kwemari . Chinhu chokutanga chaunofanira kuita apo iwe ukazviwana uri mune chikwereti ndeyekubhadhara zvinopfuura zvishoma pamwedzi kubhadhara. Kana iwe uchingobhadhara mari shoma mwedzi woga woga uchatora makumi emakore kubhadhara chikwereti uye kutengesa mari shoma inofarira. Kana uchinge uchibhadhara zvinopfuura zvishoma iwe unofanirwa kutarisa kuderedza chido chako chechido. Nhamba yepamusoro yemari ichaita kuti uwane kubva pasi pechikwereti kunyanya kuoma.
Kuchengetedza Kubhadhara
Sezvo zvishomanana makambani anopa zvirongwa zvakakwana zvepenheni uye kusava nechokwadi kweSocial Security yakave yakakosha kupfuura yakamboita kuchengetedza uye kuronga kubhadhara kwako pachako.
Zvinosuruvarisa, vanhu vazhinji vanofunga kuti havana mari yakakwana yakasara pamwedzi wega woga kuchengetedza.
Kurega kuchengetedza basa kunoda kuva chinhu chinokosha panzvimbo pekutevera. Iko Internal Revenue Service yakagadzirisa kuchengetedza mari yakawanda kunyange yakakosha nekodha-yakabhadhara kambani dzakadai sevashandi 401 (k) zvirongwa, mabhuku ezvokuchengetedza mari uye mamwe mazita ezvokuchengetedza mari kune avo vanozvishanda. Izvi zvinobvumira kubviswa kwemitero , zvikwereti uye kunyange mari isina kubhadhara mitero pamusana pokuchengetedza mari.
Kunyangwe iwe uri kunze kwekoroji uye uine makore makumi mana kusvikira uchitsvaga basa kana iwe unoronga pakusimuka pagore rinotevera hazvikwanisi kunonoka kuronga uye kuwedzera kukuchengetedza kwekurega basa .
Inishuwarenzi
Saka iwe wakasika bhajeti, kuderedza mari, kubvisa kadhi rako rechikwereti chikwereti uye watanga kuchengetedza kubhadhara, saka iwe wose wakagadzirirwa, zvakarurama?
Iwe wakauya nenzira yakareba asi kune chimwe chinhu chinokosha pane zvimwe zvemari yako yaunofanira kufunga.
Inishuwarenzi yakakosha nokuti wakashanda zvakaoma kuvaka dambudziko rakasimba rezvemari iwe nemhuri yako saka rinofanira kudzivirirwa. Njodzi nenjodzi zvinogona uye zvinoitika uye kana iwe usingakwanikidzika zvakakwana zvinogona kukusiya iwe mune zvemari kuparadzwa.
Mamwe masishuwarenzi anodiwa uye munhu wose anofanira kunge ane marudzi aya ekuparidzirwa asi kune mamwe akawanda emhando yemishuwarenzi iyo inenge isina kudiwa uye iwe unogona kunge uchiparadza madhora anokosha anogona kuiswa kune imwe nzvimbo. Pane mutsara wakanaka pakati pekuwana inshuwarisi yakakwana uye kuva kupfuura-inshuwarheni.