Nzira Yokugadzirisa Nayo Zvikuru Zvikwereti Zvemari Zvakaitwa Mumakore Ema20

by Miriam Caldwell

Paunenge uri muma20 wako, inguva iyo iwe uri kugadzirisa kune zvakawanda zvezvinhu zvitsva . Paunotanga basa idzva kana kutanga kutora zvikwereti iwe pachako, iwe unogona kunge uine mari shomanana dzisina kururama , unopinda mumatambudziko mashomanana uye ugoita zvimwe zvikanganiso zvemari. Pano pane zvinomwe zvepasipo zvikanganiso zvemari izvo vanhu vanozviita muma20s uye nzira dzekugadzirisa.

01 Chikwereti Chekwereta Chevadzidzi

Chikwereti chemari chikwereti chechikoro ndechimwe chezvinhu zvakabata vanhu vakawanda kubva pakutengesa imba kana kuchengetedza mari. Iwe haugone kudzokera shure uye usakwereta mari, asi zvakakosha kuva nechirongwa chekuti unozoita sei nevadzidzi vako chikwereti. Kana iwe uchiri mukoroji, kwereta zvishoma iwe unogona uye uende nayo . Izvi zvinoreva kuti iwe ungangodaro unoda basa iwe uri mujijiji.

Rongedza: Kana wapedza kudzidza, ona kana iwe unokodzera chikoro chekukanganwira chikwereti chemudzidzi kana funga kushanda kwaAmeriCorps. Iwe unofanirwa kuita kuti chikwereti chako chemunhu chikwereti chive chikamu chekwereti chako chekubhadhara chikwereti uye ushande pakuripa iyo kuitira kuti ugone kushandisa mari iyo kusvika kune dzimwe zvinangwa zvako.

02 Chikwereti Chekwereti Chekwereti

Zvakajairika kuvadzidzi vekukoloni kuti vashandise kadhi rechikwereti muchikoro, kana kuti iwe ungavimba nemakadhi ako ekwereti zvakanyanya apo uri kuedza kuzviita pakati pekoroji uye basa rako rokutanga .

Gara: Danho rokutanga nderokurega kushandisa makadhi ako kadhi pakarepo. Zvino iwe unoda kugadzirisa bhajeti uye chirongwa chekubhadhara chikwereti chinokubvumira kuti ubhadhe zvakadarika pamakadhi kuitira kuti uwane chikwereti uye urege kubhadhara mari yakawanda yekufarira.

03 Kupera Kuchengetedza Kubhadhara Savings

Paunenge uchinetseka kuti uwane chikwereti uye uwane zvigaro, zvinogona kuedza kuregera zvipo zvekurega basa. Zvisinei, mari yaunoshandisa mumakore ako makumi maviri nemashanu inokwanisa kutanga kukushandira iwe kwemakore. Kana iwe uchitanga tsika yekuisa mari yakawanda ikozvino, iwe uchakwanisa kuchengeta zvakakwana zvekurega basa.

Rongedza: Kana iwe uchiri mune chikwereti, iwe unogona kugovera kusvika kumusikana wako. Mushure mokunge musina chikwereti, shandai kuwana nhamba iyoyo kusvika 15 muzana yemari yenyu yegore negore.

Tanga nekuwedzera mari yaunopa iwe nega yega yako yegore negore inomutsa, nenzira iyi iwe haungaporwi mari. Funga kuzvidzora pamitambo yevaraidzo kuti ubatsire kuwana mari yakawanda yekurega basa.

04 Kuenda Uninsured

Zvinodhura kuenda pasina inshuwarisi. Mutemo, unoda kutakura motokari yveshuwarisi uye utano hwehutano inshuwarani uye kutadza kutakura zvimwe zvinogona kutora mari yako. Zvinotora njodzi imwe chete kana chirwere chekukurumidzira kuzviisa zviuru zvemadhora mune chikwereti nekuda kwezvikwereti zvemishonga. Zvakakosha kutakura chinyorwa chakakwana kuti uzvidzivirire pane izvi.

Rongedza: Kana inshuwarisi ichiita seyakasimba uye iwe edza kutsvaga yepamusoro deductible health insurance plan . Mamiriyoni emwedzi ega ega ari pasi, asi achafukidza chero zvikwereti zvinotyisa zvekurapa zvaunazvo uye kukubatsira kuti urege kubhadharwa mari yaunotora kubva pakutakura chero inshuwarisi zvachose.

Unogonawo kutsvaga basa rinopa inshuwarhu yehutano kune vashandi vanoshandira chikamu-nguva, uye kuwana basa imomo kuti uwane inshuwarisi kana iwe uri mudzidzi kana iwe unoshanda semakontrakta akazvimiririra.

05 Hapana Kuponesa

Kuponesa kunokupa iwe netete yekuchengeteka. Inokubatsirawo kuti uende mberi kune danho rinotevera. Kana usina mari, iwe hauna kukwanisa kugadzirisa zvinodhura zvinodhura. Zvinoshungurudza kurarama nguva dzose panguva. Kuchengeta mari kunogona kukubatsira kuti urege kurarama mukutya.

Rongedza: Tanga nekuchengetedza mari yekukurumidzira yemubairo wemwedzi mumwe usati washanda pakubuda chikwereti kana chimwe chinhu. Iyi ichava mari yako yekukurumidza kana iwe uchishanda pane chikwereti chako.

Kana ukambobhadhara chikwereti chako, shanda kuchengetedza mari yegore, uye ugoita zvimwe zvinangwa zvekuchengetedza, sekuda kwekubhadhara .

Kana uchida kuwana mari yakawanda kuti uchengetedze, funga kugadzira mishonga yako yemwedzi , nekuderedza dzimwe nzira dzaunoshandisa mari kuti ikubatsire kuenda mberi nokukurumidza.

06 Hapana Purogiramu Yezvemari / Zvinangwa

Kana iwe usina chirongwa, saka zvakaoma kuziva zvaungaita nemari yako. Iwe uchanetseka kana zvasvika pakuponesa, kutenga imba nekubuda kunze kwechikwereti. Zvakakosha kuva nezvinangwa zvakajeka kuitira kuti iwe ugone kusvika kwavari. Zvinotora basa uye kuronga kuti kubudirire mune zvemari. Kana iwe ukazviwana uri kushanda kwemari pamwedzi wega wega , iwe unoda zvakare bhajeti.

Rongedza: Isa urongwa hunobudirira hwemari hunosanganisira zvinangwa zvenguva pfupi uye ndezvenguva refu. Iwe unogona kuronga zvinhu zvakadai sokutenga imba, kuwana kurota kwako basa uye kubvisa kwako basa.

Kunyanya kujekesa hurongwa hwako, huri nani. Kana iyo inonzwa sekumanikidzwa kukuru, yeuka kuti unogona kuchinja zvinhu kana uchida kana kana zvinangwa zvako zvichishandurwa.

Kushanda purogiramu imwe kuchakubatsira kunyange kana iwe uchichinja kune rimwe urongwa. Kana uchinge wava neurongwa hwako, unogona kuishandisa kuti uite bhajeti yakasimba ichakubatsira iwe kusvika pazvinangwa zvako.

07 Kuramba Pane Jobho Akashata

Iwe unogona kureva kuramba uchiita basa rakashata munguva yehupfumi hwakaipa kana nokuti hapana mabasa akawanda ekusarudza kubva munharaunda yako. Basa rakaipa rinogona kukukanganisa nenzira dzakaipa nenzira dzakawanda. Kana iwe usina basa, zvinogona kuita kuti zvive zvakaoma kusvika kune zvinangwa zvako, uye iwe unogona kuguma mune chikwereti chakawanda.

Kana ichinhu chisina kunaka chekushanda, inogona kuita kuti iwe uora mwoyo, uye zvinogona kuva zvakaoma kuva wakanaka mumamiriro ezvinhu akaoma. Kunyangwe iwe ungasarudza kuti unoda kugara kwegore, unofanirwa kuzvipira kuenderera mberi.

Rongedza: Izvi zvinoratidzika nei uchiita basa. Zvinogona kusanganisira kudzokera kuchikoro kuitira kuti uve neunyanzvi hwaunoda kuti uende kune rimwe rinotevera basa. Zvinogona kureva kuwedzera basa rako kutsvaga kune nzvimbo dzakasiyana kana minda kuitira kuti ugone kuwana chimwe chinhu chinoshanda kwauri.

Chinokosha kuziva kuti haufaniri kuramba uri pabasa rako remazuva ano, uye kana iwe usingiri kubhadharwa zvakakwana kana kana basa iri rinosuruvarisa, une chikwereti kwauri kutanga kutarisa chinhu chitsva pakarepo.