Nzira Yokuderedza Nhamba Yako Mwedzi Wegore Nekubhadhara Kadhi Remari

Buda pane chikwereti nokuisa pfungwa pakadhi rako rinodhura zvikuru kutanga

Kana iwe wakagara uchinyanya kufunga nezvekubhadharwa kwakaderera nokuda kwekadhi yako yemakadhi, panzvimbo yehuwandu hwemari, iwe hausi woga: vanhu vazhinji vanoshandisa makadhi avo emakwereti nenzira iyi, vachibhadhara chete zvishoma (kana zvichida zvishoma kana vachifunga vanogona kuripa mwedzi iwoyo).

Mukati, imba inowanikwa muAmerica ine kadhi rechikwereti inokwana madhora gumi nemazana gumi nemaviri, uye chikwereti chakazara (icho chinowanzoita chikwereti chekwereti chikwereti) muU.S. chinosvika $ 1 trillion.

Ndiyo mari yakawanda.

Kuva nechikwereti chekadhi rechikwereti kunokanganisa chikwereti chako chekwereti , zvinodhura iwe zvakawanda mune zvekufarira uye zvinogona kukudzivirira kuita zvinhu zvakawanda, zvakadai seimba kana motokari. Nenzira, pane nzira dzaungashandisa kutanga kutanga kubhadhara pasi pasi rako, iyo iyo (pakupedzisira) ichaderedza kuwandisa kwemwedzi pamari yekodha yako.

Chii Chine Chikwereti Chakwereta Chakanyanya Kubhadhara?

Mabhengi mazhinji eUnited States anoda avo vane kadhi rechikwereti kuti vabhadhara 4% yemari yavo mwedzi mumwe nomumwe (izvi zvakawedzerwa kubva ku 2% yemari yegore rimwe nerimwe yapfuura mushure mekushaya kwemari muna 2007 kusvika muna 2009). Panguva yekuwedzera, izvi zvakabudisa chimwe chinhu chinotyisa (uye zvakanyanya kuipa kune avo vainge vanyanyisa mari yavo).

Asi pakufamba kwenguva, yaiva mashoko akanaka kune vatengi, sezvo vakamanikidzwa kubhadhara zvakakwirira pamwedzi zvishoma.

Tarisa pazviri nenzira iyi: kubhadhara 2% yemari yako mwedzi woga woga hauna kunyanya kufarira kufarira, uye unosiya zvishomanana kuti uise pakero yako chaiyo.

Ndiko kusaka, kana iwe uine chikwereti chemadhora maviri kana kupfuura, uye iwe unongobhadhara mari shoma shomanana ye2% mwedzi mumwe nomumwe, zvichakutora iwe makore makumi matatu ekubhadhara chikwereti chako kunyange iwe usingambobhadhari imwe penny.

Nokubhadhara 4% mwedzi woga woga, iwe unobhadhara zvakakwana kuti uvhare chikwereti uye uine zvakakwana zvakasara kuitira kuti iwe unogona kubhadhara mubhadharo wako mumakore gumi kusvika ku12 kana iwe usingawedzere mitsva itsva.

Zvakanaka nokuti iwe uchabuda muchikwereti nekukurumidza uye iwe uchabhadhara zvakawanda zvishoma pamusoro pemakore (zviuru zvemadhora kuvanhu vakawanda).

Nzira Yokubhadhara Pasi Kubhadhara Makadhi Kare Kakawanda

Sezvo iwe unogona kuunganidza kubva pamuenzaniso wepamusoro, unobatsira mari yako zvakanyanya kuti iwe ubhadharwe mwedzi mumwe nomumwe pane yako kadhi rechikwereti chikwereti. Ndizvo zvaunofanira kuedza kuita.

Iye zvino, izvi hazvisi nyore, uye vanhu vazhinji vanoodzwa mwoyo pavanonyatsoongorora mari yavo, kunyanya kana vakaneta vakaonda. Asi iwe haufaniri kuwedzera mari yako yemazana emadhora mwedzi mumwe nomumwe - kuisa mari shoma shoma kune chikwereti chekadhi rechikwereti kunogona kuwedzera zvinoshamisa nokukurumidza.

Heano matanho aunofanira kutora:

1. Enda kuburikidza nemakadhi ako ekwereti (vanhu vazhinji vane huwandu hunopfuura imwe neyero) uye vanoona kuti ndiani anotakura mutengo wepamusoro. Tarisa pane iyo.
2. Sarudza kuti unowedzera zvakadini iwe unogona kubhadhara pane iyo imwe kadhi mwedzi woga woga, uye uriise parutivi. Chimbofunga kugadzira mubhadharo wekutengesa kuitira kuti urege kuedzwa kuti uwane mari kune chimwe chinhu.
3. Usanetseka pamusoro pekutora nguva yakareba sei kuti ubhadhe kadhi. Ingoramba uchiita zvikwereti izvi zvakare, kuongorora zvakare mari yako nguva nenguva kuti uone kana iwe unogona kutenga chero chii chinowedzera kusvika pakero.

1. Bhadhara mari shoma pane mamwe makadhi aunazvo.
2. Kana ukangobhadhara iyo iyo kadhi (pasinei nokuti yakatora nguva yakareba sei), sarudza kadi inotevera inonyanya kukosha, uye uchitanga kuripa iyo. Sezvo iwe wakachenesa mwedzi mumwe chete kubhadhara nokubhadhara kadhi rokutanga, kadhi rino richava nyore.
3. Dzokorora sezvinodiwa kusvikira wapedza zvose yako kadhi rechikwereti chikwereti.

Uyewo, iwe uri pakati peizvi, funga kaviri kuwedzera chikwereti kune makadhi ako kadhi. Funga kuisa pasi imwe kadhi (tarisiro imwe isina chikwereti pairi) yezvishandiswa zvemhuri, bhajeti yemari iyo inoshandiswa, uye kubhadhara chikamu chinoenderana nekadhi iroro mwedzi mumwe nomumwe.