Kune vanhu vasati vava nemakore gumi nemasere, kuzarura bhangi yebhangi kwakaoma. Dambudziko nderokuti iwe unoda kusayina kontrakti yekuzarura aunti, uye zvibvumirano zvakasimbiswa nevana zvakaoma.
Muzviitiko zvakawanda, muduku wacho anenge ari panzvimbo yakanaka pane bhangi (kana paine nharo). Somugumisiro, mabhangi haazozarura maakare evanhu vari pasi pemakore 18 kunze kwekuti panewo munhu mukuru pabhuku.
Chiitiko uye kuzvimiririra: Vana vaduku havafaniri kunge varipo zvachose kunze kwebhengi. Pane nzira dzakawanda dzekuzarura nhoroondo kune umwe munhu pasi pemakore gumi nemasere, uye vana vanogona kunyange kushingaira kushandisa mabhengi ezvimwe zviitiko mune dzimwe nguva. Kunyatsogadzikana nemari inyanzvi inokosha inogona kubhadhara kuburikidza nehupenyu, uye inopa rusununguko kune vana vanotarisira.
Kuchengetera ramangwana: Kana vabereki vachida kuzarura uye kutarisira zvikwereti kuti vawane zvekushandisa mari yemberi, zviri nyore kuzviita. Iwe unogona kunyange kutozarura maakare echechecheche.
Zvinyorwa zvenyaya idzi zvinosiyana kubva kune imwe nyika kuenda kune imwe nyika uye kubva kubhangi kuenda kubhangi (saka bvunza dhipatimendi rebasa rebasa rako rebasa revanhu), asi zvinowanzogadziriswa zvinotsanangurwa pasi apa.
Joint Accounts
Kana chinangwa ndechokuti mwana muduku ashandise iyo kambani (kuisa mari, kubvisa, uye kutenga nekadhi yebhadharo , somuenzaniso), nhoroondo yakabatana ichaita mano. Ingozarura kondomu ine munhu mumwechete mukuru semuiti webhuku. Nhoroondo iyo inogona kuva nhoroondo yakajeka-vanilla joint, kana nhoroondo yakagadzirirwa vanhu vane pasi-18.
Nhoroondo dzakawanda dzinotengeswa se "bank account accounts for kids" dzinouya nenzira yezvinyorwa zvekugoverana, kunyange dzichienda nemazita akasiyana:
- Teen Checking Accounts
- Youth Savings Accounts
- Looney Toons Accounts
- Savings Club
- Student Checking
Mune zvimwe zviitiko, munhu mukuru anoda kuva nhengo yemumhuri kana muchengeti wemutemo, asi mamwe mabhangi anobvumira chero munhu kuti ave mumiriri wekubatana ( Capital One 360 , somuenzaniso).
Joint account nengozi: Nenyaya yakabatana yakabatana, wega wega wekambani ane 100% kuwana mari, saka kana munhu mukuru kana mwana anogona kukonzera kambani uye kubhadhara mari yepamusoro yepamusoro (kunze kwekuti bhanhire rinorega izvo mwana anogona kuita). Chengeta izvozvo mupfungwa usati waisa mwana wako kusununguka nehombe huru iripo. Kana iwe uri muduku, zvakakosha kugovera kambani chete nemunhu mukuru iwe unogona kuvimba zvechokwadi - haudi kuti mari yako yakaoma-yakawana inopera.
Kuramba uine ruzivo (kana mukutonga): Kana zviri nani kana zvakanyanya, zvinyorwa izvi zvingave zvine zvinhu zvinoita kuti vanhu vakuru vazive nezvebasa iri munhoroondo. Vabereki vanogona kugadzira zvinyorwa kana maziso e-email , uye vangave vakakwanisa kugadzirisa kushandiswa kwemari pamadhikiti emadhora kana overspending is concern.
Age 18? Iva nechokwadi chekubvunza bhengi rako izvo zvinoitika kana mwana wechidiki asvika makore gumi nemana. Kana pane zvibvumirano pane izvo zviduku zvingaita (kana zvisingakwanisi kuita zvisizvo, somuenzaniso), zvinhu zvinogona kuchinja - uye iwe unoda kuziva kuti Pamberi penguva.
Saizvozvowo, zvikwereti zvese zvinowanikwa kuti zvinyangarika (asi iwe ungazviwana zvakatambanudzwa kana munhu mukuru achizova mudzidzi). Kana mwana muduku achida iye pacheta rake, unogona kuedza kubvisa "munhu mukuru" kubva ku-akhawunti kana kuti kuzarura kambani itsva kana mwana muduku achitsvaga 18.
Custodial Accounts
Kuchengetedza mazano ndeimwe nzira. Iyo inozivikanwawo seGMA kana maUTMA account , idzi nhoroondo dzinobatsira kana mwana muduku asingabatanidzwi nemari yekugadzirisa. Havasi vevana kuti vashandise , asi ivo vanoshandiswa kubatsira vana.
Kuti mwana abatsirwe: Mari inowanikwa mubhuku rekuchengetedza zviri pamutemo ndeyomwana, uye chero mari inenge yaitwa ku compte iyi chipo chisingachinji. Munhu mukuru anofanira kuita zvisarudzo (angave kana kuti asati atenga CD) uye anotarisira logistics (ita mari uye kubvisa), asi mari inogona kungoshandiswa chete kuti mwana abatsirwe.
Mune mamwe mazwi, munhu mukuru haagoni kuzvitenga iye pfuma yepamusoro, nokuti izvozvo zvinenge zvichiba kubva kumwana. Kubhadhara dzidzo yevana kana kumutengesa motokari, kune rumwe rutivi, zvichida zvinogamuchirwa mari.
Age 18? Chii chinoitika apo muduku wacho anosvika pazera rehuwandu (18 mumatunhu akawanda, asi pane zvishoma zvisiri)? Chero mari iri munyaya yekuchengetedza ndeye "muduku". Kana akangova munhu mukuru, anogona kuita chero chaanoda nacho - chero chinhu chinobva mukutsvaga mune dzidzo kubhadhara uye kuiputira pamusi wevhiki.
Kwamuri Kuzarura Aunti
Munenge chero bhengi chero ipi zvayo kana chikwereti chekwereti chichapa maakare akarondedzerwa pamusoro apa, saka iwe unongoda kutengesa zvinhu zvakakosha kwauri. Tsvaga mari yepamusoro (kana kwete) , kukwikwidzana kwechirongwa chekuda, uye chikwata chiri nyore kushanda nayo. Kana iwe usingakwanisi kuwana chero nzvimbo yako, mabanki epaIndaneti ndiyo nzira yakanaka .
Dzidzo dzeEvhangeri
Mukuwedzera kumabhengi emabhengi, pane maverengi akawanda anowanikwa zvakanyanya nokuda kwekudzidzisa mari. Iyi nhoroondo inogona kuva nemitero inobatsira (chengetedza nemudzidzisi wako wekuteresa usati waita chero zvisarudzo), saka vanogona kuderedza mutoro wokubhadhara kuchikoro.
529 Zvirongwa: Zvirongwa zvekuchengetedza chikoro zvinokubvumira kuti upe rubatsiro kune account uye, uchifunga kuti iwe unotevera mitemo yose yemitero yakakodzera, shandisa mari yemutero usingabhadhari pamari yepamusoro yezvidzidzo. "Dzidzo yepamusoro" inogona kusanganisira zvikoro zvebhizimisi, zvipatara kune dzimwe nyika, nzvimbo uye bhodhi, nezvimwe zvikwereti kumakoroji kana kuchikoro. Iwe unogona kuita zvipo zvakakosha kune idzi nhoroondo , naizvozvo ivo inzira yakasimba yekuchengetera munguva yemberi.
Kuvhara mabhuku ekuchengetedza dzidzo (ESA): Kune zvimwe zvekubhadhara mari, semhuri yepulaimari, ESA inogona kukubatsira iwe kuvaka mari yaunoda. Nhoroondo idzi dzinogona kushandiswawo kukoroji. Zvisinei, havasi vose vanofanirwa kugovera kune ESA, uye mari yakawanda yegore negore yakasununguka-saka iwe unofanira kutanga kutanga.
Makadhi Okubhadhara?
Kana chinangwa chekutanga chiri chekuti wechidiki atore nemapurasitiki, makadhi ekubhadharwa kune imwe nzira . Zvisinei, makadhi ekubhadharwa anozivikanwa anodhura, uye haaiti zvakawanda iyo kero yekuongorora haigoni kupa. Bhizinesi mabheji nevana vanowanzouya nemari shoma (kana kuti mari yekuregera iyo iri nyore kuwanikidzwa), saka zvipingamupinyi zvekutora zviri nani nekadhi rakabhadharwa zvishoma.
Mutero Unokosha uye Nezvemitemo
Pasinei nokuti unoshandisa kambani yakabatana kana kambani yekuchengetedza, zvakakosha kufunga nezvemitero uye zvinorehwa nemutemo. Taura nemumwe mutungamiri wemutero wemunharaunda kuti uwane chaunotarisira nemhando yega yega yega; iwe unogona kunge uchitarisana nemitero yezvipo, imba inosangana, "kiddie" mitero, nezvimwe zvinetso. Mukuwedzera, gweta renharaunda rinogona kukubatsira iwe kunzwisisa chero dambudziko remutemo. Kunyanya kana mari yakawanda inobatanidzwa, nguva yako inoshandiswa zvakanaka apo iwe uchitaura nemudzidzisi weyanyanzvi. Iwe unogona kutowana kuti kuvimba (uye nhoroondo dzakabatana) zvichashanda zviri nani.
Chidzidzo chevadzidzi: Kupfuura mutero uye nyaya dzepamutemo, kushandisa mabhuku aya kunogona kukanganisa kukwanisa kwevana kukwanisa kuwana rubatsiro rwevadzidzi. Kana iwe uine hanya nezvesangano mari, taura nenyanzvi yehupfumi yemari.