Zvokutanga 4 Zvinhu Zvaunofanira Kuita NePaycheck Yese
Basa iri idzva rinogona kupa kuwedzera kukuru kwemari inoyerera, asi pamwe nayo uye kuchinja kune hupenyu hunopedza kudzidza, unogona kuwana kuti iwe unewo mabasa matsva nemafungiro emari.
Inogona kunzwa sokuti iwe pakupedzisira une mari shoma shoma. Kana kuti inogona kunzwa sokuti mubhadharo wako unonyangarika pakarepo pazvinenge zvaratidza mubhengi rako rebhangi. Chero nzira, iyi inguva yakakosha yekutanga kutarisira mari yako nekuchenjera zvose ikozvino uye nezveramangwana rako. Saka pano pane zvinhu zvese zvinyorwa zvinotevera zvinofanira kuitwa nebhadharo yavo.
Itai Budget
Kana iwe wakanga uchiri kuchikoro musati wapera basa iri idzva, mari yako ingangodaro iri nyore. Iwe unogona kunge wakanga uine zvikwereti zvinokosha zvekubhadhara uye dzidzo yako ingadai yakabhadharwa nekunze kwezvinhu kana zvikwereti zvevadzidzi . Asi ikozvino zvaunotanga hupenyu hwako mune zvekushanda uye zvose zvinouya nazvo, mari yako inoyerera inoda kuchinja zvikuru.
Kana uchinge wava nemafungiro ekubhadharwa kwezvikwereti zvako shure kwemari uye mitero yemitero, inguva yekugara pasi uye uone kuti mari yako ndeipi. Ingoro yakadii? Uchave uchienda kunzvimbo yakanaka here?
Kutenga motokari ? Inguva yakareba sei usati watanga kubhadhara chikwereti chemudzidzi, uye iwe unogona kutenga mari yakawanda sei? Zvinhu izvi zvichaita basa rinokosha pakusarudza kuti mari yako inofanira kuenda kupi.
Kugadzira bhajeti hazvifaniri kunge zvakaoma uye zvinogona kuitwa mumatanho mashoma. Zvakakosha kuti iwe ugadzire chirongwa ichi chekushandisa nekukurumidza nokukurumidza kuitira kuti urege kuzviwana mumatambudziko emari gare gare.
Tora Chikwereti Chako
Neichi chitsva chekuwana mari, inguva yakakwana yekuwana zvakakomba pamusoro pokubhadhara chikwereti chako - uye vako vakakweretera vanotarisira iwe. Kana iwe uine kadhi rechikwereti, iwe unogona kunge wakashandiswa kungobhadhara mari shoma mwedzi mumwe nomumwe, asi inguva yekuputsa iyo tsika shoma yekubhadhara nokukurumidza! Kubhadhara zvishoma kunogona kukwezva kubhadharwa kwako kusvika kumakore gumi kana kupfuura, zvichidhura mazana kana zviuru zvekufarira. Ita kuti zvive zvakakosha kukurumidza kubhadhara kubhadharwa kwehupi-yepamusoro-kechikwereti kadhi rechikwereti.
Kana uine chikwereti chemudzidzi, iwe unowanzova nemwedzi mitatu kusvika kumitanhatu mushure mokunge wapedza kudzidza mari isati yatanga. Usashandise nguva iyi yenyasha kuzorora pamararamiro ako, asi tanga kuronga kubhadhara mari isati yatanga. Tsvaga kuti mubhadharo uchatora huwandu hupi uye uhuise mubhajari yako ikozvino. Iwe unogona kuwana zvakawanda pane zvishoma here? Guru, nhoroondo yacho mubhajheji yako. Inokurumidza iwe unobhadhara pasi idzi zvikwereti, zvishoma zvingakubhadhara iwe uchifarira nguva. Asi usarega kuita chikwereti chevana vechikwereti kupfuura nechokudarika zvishoma, chinhu chinonyanya kukosha pane zvaunotaura, kuvaka dambudziko rako kana kuti "zuva remvura" kuchengetedza. Kune nguva dzose kuenzanisa pakati pekutarisira chikwereti nekuvaka mari yako. Nguva dzose tora chikwereti chakakwirira-chekutanga, uye enda kubva ikoko.
Ingova nechokwadi kuti urege kukanganwa kubhadhara chero kupi zvako, kunyange kana kuri kungoita zvishoma. Kushaya kubhadhara kunogona kuchinja zvikuru chikwereti chako chekwereti . Kana mukweretesi wako achitsvaga kubhadhara mari yemagetsi, funga kuisa mwedzi wega wega kana bha-weekly mubhadharo kuti ubve mubhengi rako rebhangi.
Ita hurongwa hwekuchengetedza
Iye zvino zvauri iwe pachako uye une ruzivo rwakakwana rwemari, unofanirwa kutanga uchinge uchengetedze mari shoma imwe neimwe yekubhadhara mari yechikwata. Kuva nechikwata chekuchengetedza dambudziko rekukurumidzira kuchakubatsira iwe mujamu kuitira kuti usafanirwa kuvimba nepamusoro-kechikwereti kadhi rechikwereti kana kutarisana nematambudziko emari.
Nzira yakanakisisa yekutanga kuponesa ndeyokugadzira chirongwa chekuchengetedza kamwechete . Kana iwe uine mari yakatarwa yakagadzirirwa pamabheji ega ega, hazvibviri kukanganwa. Mukuwedzera, kana mari yacho ichinyatsochengetedzwa, mushure mokubhadhara zvishomanana, haungatombosiyi mari, asi ichavepo kana iwe uchida.
Kuva wakagadzirira zviitiko zvisingatarisirwi uye mari inoshandiswa chikamu chekuva munhu mukuru anokwanisa.
Tanga Kuchengetedza Kubhadhara
Kana iwe wakafanana nevaduku vakawanda vanotanga mubasa rako rokutanga, kufunga kwekurega basa kunoratidzika sekusingaperi nokusingaperi. Kunyange zvazvo zvingava zvechokwadi kuti une makore makumi mana kana kupfuura kusvikira wapedza basa, usamira kuti utange kuponesa. Kunyangwe chikamu chiduku zvikuru chinogona kutanga kuwedzera nekuda kwechikonzero chekuwedzera chido.
Tarisa newaunoshandira kuti uone kana vakapa chirongwa chekurega basa chakadai se plan 401k . Makambani akawanda anopawo purogiramu inofananidzwa apo iwe unogona kuwana mari yakasununguka nekuzvidzivirira iwe pachako. Saka zvakadini kutanga kutanga kuponesa? Izvo zvinowanzopindurwa ndeyokutanga kugovera zvakakwana sezvaunokwanisa, asi kutanga kwekutanga ndiko kushandisa zvakakwana chero chero mupi wevashandi. Somuenzaniso, kana waunoshandira akapa dhora rekudyidzana nemadhora kusvika ku3% yemutero wako, funga zvishoma kugovera 3% yebhadharo rega rega. Nenzira iyo, uri kuwedzera mari yako nekurega kusasiya mari patafura. Kana iwe waunoshandira asingabatsiri chirongwa, chinhu chinotevera chakanaka chaunofanira kuita ndechokuti uzarure IRA kana kuti rimwe rega rekubatira mari. Pane mitsara midiki pane zvaunokwanisa kupa gore negore, asi zvishoma zvishoma zvinobatsira. Kunyanya kana uri mumakore makumi maviri.