Itavira Iyo kana Kwete, Inogona Kuitwa
Kuchengetedza basa rekushandira zvakanaka kwakanaka, asi, iwe waiziva, iwe unogona kupedza basa kunze kwekuponesa penny? Vanhu vanozviita nguva dzose. Uye vamwe vavo vanosiya basa nemararamiro akanaka. Vanozviita sei? Mune nzira shomanana dzakasiyana. Hewa nzira nhatu dzaungapedza basa kunze kwekuponesa zvachose.
Basa Rokugadzirira
Kana ukasarudza basa apo mazano akanaka uye chirongwa chepenjeni chinopiwa, unogona kubhadhara nemari yakagadziriswa yakawanikwa uye usingambochengetedzi penny munzira.
Kana uchingoshanda kwenguva yakawanda mubasa rako rakasarudzwa, inowedzera mari yako yepasheni ichava.
Ndinoona nzira iyi muchiito kakawanda nevadzidzisi, moto nemapurisa, vashandi vehondo, uye vanhu vanoshandira hurumende kana hurumende yehurumende. Vanonamatira nebasa ravo, vanogadzirisa zvinhu kuitira kuti imba yavo ibhadzwe pamusoro penguva yavanopedza basa, uye nehupfumi hwepenjeni, kubvisa mararamiro ezvehutano, uye mune dzimwe nguva Social Security zvakare, vanogona kurarama zvakanyanya kunyaradza.
Chii chinoita kuti chirongwa ichi chiite zvakanaka chinonamatira pamwe chete nomushandi kwenguva yakareba. Zvizhinji zvepensheni zvinokupa rubatsiro zvichienderana nemakore mangani awakanga uripo uye pamakore mashomanana ekupedzisira okubhadhara. Iyo yakawanda makore, uye iyo yakakwirira yemari, iyo yakakwirira yakabatsirwa. Kana iwe uchifamba-famba zvakanyanya hazviiti kuti iwe uchange uine mukana wekugamuchira sepensheni yakakura sekunge iwe iwe unogara nemumwe chete wavanoshandira kwemakore makumi maviri kana makumi matatu.
Chimwe chinhu chaunofanira kuchengeta mupfungwa, iwe haungatori Social Security yako yose uye pension. Kune hurumende yehutano hwehupfumi inonzi Windfall Elimination Provision iyo inogona kukukanganisa iwe kana iwe ukawana mubairo kubva kumakore ekushanda uko mari yako yaisina kuvharwa pasi peSocial Security system. Izvi zvinowanzokonzera vadzidzisi mumatunhu 13 ane hurongwa hwepenteti panzvimbo ye Social Social, uye inogona kukukanganisa iwe kana ukawana mubairo kubva kumabasa kune dzimwe nyika.
Purogiramu Yekutanga Kutanga
Vashandi, vakadai sachiremba, masayendisiti, vagadziri vemapurani uye vanyori, vanowanzopinda muitiro wekupedza zvakawanda sezvavanoita zvakawanda. Mune mamiriro ezvinhu, zviri nyore kuzviwana uri pakati pezera-risina huwandu hwekurega mari.
Imwe nzira yekufunga nayo: siya muitiro wega woga kana bhizinesi duku uye enda uwane basa rehushandi kana hurumende inopa penheji. Shandisa makore gumi kusvika kune gumi ekupedzisira emabasa ako mune imwe nzvimbo iyo kurasikirwa kwehutano hwekubvisa mari uye penhesi ndeimwe chikamu chepakiti. Iyi chirongwa chekupedzisira-kutanga chinogona kuva muponesi wehupenyu kune vanowana mari yakawanda vasina kuchengetedza munzira. Zvingave zvisingave izvo iwe waifunga kuti chikamu chekupedzisira chebasa rako chikafanana, asi mari yepensheni uye zvikwereti zvichaita kuti nguva yako yekurega basa ive yakanyanyisa.
Iyi nzira inogona kukubvumira kuti urarame hukuru uye upedze zvaunoita mumakore ako maduku. Asi yeuka, hapana chivimbo chokuti uchakwanisa kuwana basa iroro rehurumende gare gare. Kana iwe usingagoni kuchengetedza uye haugone kuchinja mune rimwe basa nemapenjeni, iwe uchazofanira kuenda nesarudzo yekupedzisira pane urongwa.
Ipenyu Kuronga Zvishoma
Waiziva here kuti Social Security yakanaka chaizvo iyo inowanikwa mari yega yega inenge 20% yevakaroorana nevasara uye 43% yevasingatore mari?
Kurarama Pahupfumi Hwezvokuchengetedza kunogona kunge kusinganzwisisi sarudzo yakanaka yekushandira, asi kana iwe wakanga uine ruzivo rwakawanda munzira, hurumende inogona kukoshesa. Iri urongwa rinogona kushanda zvakanaka nokuda kworudzi rusina rusununguko, kana kune ani zvake nokuda kwechikonzero chipi nechipi chisina kuchengetedza munzira.
Uye, kana ukashanda kusvikira makumi manomwe, uye wakamirira kusvikira 70 kuti utaure Social Security, iwe uri kuwana mari yakanaka. Iwe unowana zvakawanda zvakawanda nekukumbira gare gare. Gadzirai mari iyo nemararamiro asina mari, uye kurarama pa Social Security, tenda kana kwete, inogona kuva yakanaka - kana iwe uchiziva kuwedzera madhora ako.
Kune marudzi ese e nzira yekuita mari yako kutambanudza. Iwe unogona kutenga zvinhu zvaunoda zvakaderera nekutenga paGoodwill kana kuwana dzimwe nzira dzekutenga zvinhu zvechipiri-ruoko. Iwe unogona kuchengetedza pane dzimba nekubhadhara imba kubva kumhuri kana shamwari.
Kana kuti zvimwe unokwanisa kutengesa unyanzvi, zvakadai sekubika kana kugara-pet-pet, mukutsinhanisa renhare kana zvigadzirwa. Ita unyanzvi mumakore ako akazotevera, uye iwe unogona kubvisa zvachose chiitiko - kubvisa pasina kuchengeta penny !