Kunyoresa Mari Yekutora Basa Rinotanga neHurumende
Rondedzera Zvose Zvikwereti
Bhuku rekushandira mari chinhu chipi zvacho chiri-kana chakanga chiri-muurongwa wakarongerwa wavakashandisa saka 401 (k), 403 (b), sarudzo yakarongeka, SEP, SIMPLE, nezvimwewo, kana chero mabhuku evanhu vanoita basa rekusununguka seIRA . Kana iwe une annuity inonzi zita reIRA rinosanganisira iri mune urongwa. Kana vakaroora nyora mapepa enyu epamberi ekuparadzanisa zvakasiyana nemakero emumwe wako. Kana uine Roth IRA kana rakarongwa Roth account kuburikidza nemushandirwi wako, nyora zviyero izvi zvakasiyana nedzimwe mabhuku ekurega basa.
Iye zvino, ona nhoroondo dzipi iwe unogona kuyananisa . Semuenzaniso, IRAs yako yose inogona kuendeswa mune imwe nhoroondo yeIRA pamwe chete neyakare 401 (k) zviyero zvebhuku. Iwe haugoni kuunganidza kambani yako yekusasiya nekambani yemumwe wako, zvisinei.
Tevedzera Zvaunenge Uine uye Wakawana muNet Worth Statement
Mukuwedzera kune mabhadharo emarenda, unogona kunge uine dzimwe mari dzekuchengetera nekuchengetwa kwemari, mashizha, zvisungo, kana mari pamwe chete iyo isiri yeimba mukati mekubvisa mari.
Nyora idzi nhoroondo uye usarudze kuti ndeupi, kana kuti chiyero chei, iwe uchataura sekunze kwako kana kuchengetedza kambani.
Uyewo nyora zvimwe zvinhu zvakadai seimba yako, motokari, pfuti yekuunganidza, mamwe mabhuku, nezvimwewo. Pfungwa iri pano haisi kunyora zvinhu zvose zvaunazvo asi kunyora zvinhu zvine kukosha kunogona kutengeswa kana kuvharwa kana uri mune zvakaipa mamiriro emari.
Paunonyora zvinhu izvi usapindira kukosha kwavo - vanyora pane zvaunofunga kuti ungazvitengesa.
Kana iwe une zvikwereti uchitarisa izvo zvakare. Semuenzaniso, kune kodzero yemari yako yeimba, iwe unogona kutarisa chero chesitoresi yakasara. Zvadaro iwe unenge uine imwe kamupi iyo yakabvisa chikwereti chinenge chiripo kubva pfuma yeasset kuitira kuti uve nezvinhu ' zvakakosha '. Iyi nyanzvi yekufananidza zvinyorwa inofanira kuvandudzwa gore negore.
Dzai muNhare Yenguva
Paunenge uchirega basa, haisi yose inotora mari inotanga panguva imwe chete. Kana iwe ukaita urongwa hwakajeka, iwe uchatonga nemaune kana zvimwe zvinhu zvatanga kutanga, zvakadai seSocial Security. Somuenzaniso, ngatiti iwe uri kuenda kunotora basa pa65, asi iwe hauzotanga Social Security kusvika 70. Zvisinei, wako, wako wezera rakafanana newe, anotanga kuunganidza kuwanana kwehupfumi hwehupfumi hwehutano pahutori hwako apo iye / kusvika kusvika makore 66. Iye zvino une mari yakasiyana yemari inotanga mumakore akasiyana. Mhedzisiro yekuwana mari inoisa izvi zvose kwauri kuitira kuti uone kuti zviyero zvekuchengeta kwako zvaungada kushandisa kuti uzadze zvikanganiso. Iwe unoda kuisa huwandu hunofungidzirwa huripo hunodiwa huripo huwandu hwemasvosti kubva kumabhengi ekurasira munharaunda ino. Iwe uchishandisa ruzivo urwu kuti uenzanise mitero yemari inotora chikwereti pakubhadhara.
Ita Kuti Uchitsvaga Nguva
Imwe nguva yekushandisa mari yakasiyana zvakasiyana nebhajheji. Iwe uchada bhajeti , kana urongwa hwezvinhu zvako zvose, kuti upedze nguva yako yekushandisa. Izvo zvauchaita ndezvokutora mari yako zvinhu uye unozvijekesa mune ramangwana. Izvi zvinokosha nekuti hazvirevi mari yose inoitika gore negore. Semuenzaniso, vazhinji vakasiya basa vanokanganwa bhajeti yekutengesa kwemotokari itsva. Kuita zvinouya mari yega yega yemakore gumi kusvika kune makumi maviri inogona kuita kuti uve nechokwadi chokuti hauna hanya nezvinhu. Zvinhu zvakanyanya kuwanikwa zvinorasikirwa mubhadharo yekusarura ndezvipi premiums zveMedarered B uye mamwe mararamiro ekuchengetwa kweutano, kutsvaga kwemotokari itsva, kugadziriswa kwemaimba kwakadai kudenga nzvimbo dzakadaro kana kutengesa mutsva, kutarisira mazino, uye kudiwa kwemamwe mabasa akadai semupiko, Yard yekutarisira, kuchengetedza dzimba, kana kushandiswa kwemisha yekuchenesa kumusha.
Rondedzera All Insurance Policies
Inishuwarenzi mitemo inoda kuongororwa kamwechete kwenguva. Tanga nekurondedzera zvese nemuridzi uye nhamba yenhamba. Uye kamwe kamwe pagore unogona kudzokera kune yako rondedzero kuti utange kuongorora kwako. Sarudza mazano ako nehupfumi uye kuurayiwa (muimba weimba, motokari, nezvimwewo), hupenyu , hutano, hurema, uye nguva refu . Zvadaro dzoongororai chimwe nechimwe muchiedza chezvinangwa zvenyu zvemazuva ano, uye mari yezvino yerudzi rwemutemo. Heano mazano mashoma ekukubatsira kunze.