6 Mari-Kuchengetedza Mazano Anogona Kukubatsira Kusunungura Nekudzikinura Kuduku
Zano 1. Enda kune imwe nzvimbo shoma
Kana iwe uchigara munzvimbo yakakwirira-yakadai semuguta guru kana mutaundi rakapfuma, kutengeserana kusvika kune imwe nzvimbo inodhura kunogona kukuchengetedza bundle nhasi uye munguva refu.
Imba yemitengo nemitengo yemisha inowanzove yakakwirira zvikuru kune dzimwe nzvimbo dzenyika kudarika kune vamwe. Kungofamba-famba kubva kumigumo ndeimwe nzira yekuchengetedza mari, sezvo nzvimbo dzakawanda dzeUnited States dziri nzvimbo dzisingabatsiri kuti dzigare.
Kubuda muUnited States pahupfumi kunowedzera kuwedzera zvakare. Iwe unogona kutamira kunzvimbo dzakadai seMexico, Costa Rica, uye kune dzimwe nzvimbo dzekumadokero kwenzvimbo dzenharaunda dzenzvimbo dzimwe nguva pane mari yakawanda yekuchengetedza pamusoro pokugara mumba. Nzvimbo yako itsva inogona kunge yakangoita zuva uye inopisa, zvakare.
Zano 2. Kuderedza Kusarura uye Kugamuchira Rudzi Rukuru Rwekuchengetedzwa Kwevanhu
Nokuramba uchishanda, kunyange kungoita nguva-nguva, unowedzera huwandu hwemakore aunofanira kuramba uchingobatsira pamabhengi ako epamberi (kana kuti mari yaunoda kubva kune iyo maakaiti) uye nhamba yemakore iyo iyo inofanira kukura. Sebhonasi, nekukanganisa kufungidzira kweSocial Security, unowedzera yako Social Security rubatsiro .
Kunyange zvazvo makore ako ekurega basa (FRA) akasiyana-siyana zvichienderana negore rawakaberekerwa, mari yako yose yekubatsira inowedzera mwedzi mumwe nomumwe unononoka kusvikira wava nemakore makumi manomwe. Kuwedzera uku kunobvumirwawo, icho chinhu chausingagoni kutaura pamusoro pokudzoka pazhinji yako mari yekusimwa. Kurasikirwa kwakadaro kwakanonoka kunoreva kuti hauzodi zvakanyanya kuponeswa apo iwe pakupedzisira unosarudza kurega kushanda.
Kutanga, cheki yako yeHindu Security yenhepfenyuro ichave yakakura kudarika yekurasikirwa kwapfuura kwaizove kwakabudisa. Chechipiri, iwe uchange uine makore mazhinji akaduku kushandisa pasi mari yako.
Chipiro 3. Bhadhara Imba Yako (uye Mamwe Chikwereti)
Kana iwe ukazoenda kumubhedha usina kubhadhara , imwe yezvinhu zvakanyanya mari paunenge uchiita basa - imba - inopera. Munguva yako yekupedzisira makore ekushanda, funga kuisa pfungwa pakubvisa chikwereti chako chose, kusanganisira yako chikwereti. Zvinoshamisa zvaunogona kuwana pamutengo wakatarwa kana iwe usingakwanisi kubhadhara mwedzi pamwedzi kubvisa chunk yako yemari mazuva ose makumi matatu. Izvo zvakati, kana kuripa chikwereti chako pakutanga kunodzivisa kukwanisa kwako kuchengetedza kubhadhara, iwe unogona kuedza kuongorora zvaunosarudza zvizere usati waenderera mberi. Hauna chokwadi kana iwe uchifanira kuedza kubhadhara chikwereti chako usati warega basa? Tarisa kunze kwekurega basa rekutora chikwereti .
Bhuku 4. Bvisai Car Payments
Nenzira imwecheteyo, kunze kwekuti uri kubhadhara mari, usatenga motokari itsva pagore usati wapera basa kana iwe usingadi zvachose. Yakachengetedzwa zvakanaka, motokari inogona kuramba kwemakore mazhinji mushure mekubhadhara kwako. Kuti uite izvi nekubudirira, iwe unoda kutenga-kwete kubhadhara-motokari uye kwete kuitora iyo makore ose matatu, sezvaungave wakamboita mukati memakore ako ekushanda.
Zvechokwadi, iwe haungatori chido chitsva nguva dzose sezvawakamboita, asi ndinofunga vanhu vakawanda mumakore makumi manomwe avo vanogona kunge vachifambisa motokari yemakore gumi nematatu kupfuura kutanga basa rekutsvaga kubhadhara mumwe wemakore maviri mujeri.
Chipo 5. Iva Noutano
Zvokurapa zvinogona kudya zvokudya zvakawanda zvekurega mari yako-kunyange kana iwe uine mukana wakakwana wekuti uwane inshuwarisi yakanaka. Kana iwe uchitora basa usati wasvika kuChiremba , hutano hwako hwekare huchava chinhu chikuru muhutano hwehutano hwehutano huripo. Kunyange zvazvo kudya kwakakodzera uye maitiro ekurovedza muviri hazvirevi utano hwakanaka, zvinowedzera mikana yako yekusaida kurapa mari inodhura. Ipa iwe mukana wakanakisisa wekuponesa mari mune ramangwana rezvokurapa nekutanga tsika dzakanaka ikozvino. Iva nechokwadi chokuti hausi muchikepe chimwechete sevanhu avo vanochema kuti havana kutora zviri nani ivo pachavo pavakanga vaduku.
Bhuku 6. Ita Pension
Inowedzera kusakosha munharaunda yega, inotsanangurwa kubhadhara pensions inowanzoonekwa kune vashandi vazhinji vehurumende. Kuvapo kwepurogiramu yepenjeni inobatsira kunoshandura kuverenga kwose kwehuwandu hwaunoda kubhadhara, zvichibvumira kuti usiye kushanda nemari shoma shoma, sezvo iwe uchagadziriswa rehomwe yega yega mwedzi panguva yekurega. Asi kana bhizimusi rako nebasa raunosarudza nderimwe rezvakawanda zvave zvichienda kune zvakarondedzerwa chirongwa chemugadziro wemafambisi (sa 401 (k) chirongwa), zvingave zvakakosha rwendo rwokuona mari-yakagadziriswa yezvigadzirwa zvemari (CFP) kuti ukurukure kuti iwe unogona sei kuisa mari yako yekusarura kuti uite sepenjeni.
Kunyange zvazvo mazano aya matanhatu ari nzvimbo yakanaka kutanga apo iwe unoda kukwanisa kurega zvishoma, zvirongwa zvakanakisisa zvekurega basa zvinosanganisira kutanga kutanga kuchengetedza nguva dzose uye nguva dzose uye kusanganisira kufungisisa kwezvinhu zvisiri zvemari zvigaro rekurega basa .