Mazano Okubhadhara Mberi Imari Yenyu
Imwe yenzira dzekubhadhara chikwereti chako ndechekuti iyo inofanirwa, yakasununguka-isina kudzoka.
Iwe unogona kuisa mari yakachengeteka, kusachengetedzwa kusingabhadharwi sebhangi-inshuketi yekuchengetedza mari uye chekuchengetedza mari yehupfumi, asi kazhinji iwe uchawana kubhadharwa kwakakwirira pamhando idzi dzekutsvaga kudarika chikwereti chaunotora iwe paunotora mari.
Kana iwe uchida kuzviisa pangozi, uye uchiswedera kuisa mari yako kwenguva yakareba, iwe unofanirwa kuisa mari yako mumatanda (zvichida mari yekutsvaga mari ) kuti uve nemukana wakanakisisa wekuwana kudzoka kunopfuura kudhura kwekutenga kwako .
Mukuita izvi unokwereta mari kubva kubhangi kuti uzviise mumusika wekutengesa; urongwa hwakakonzerwa nehuwandu - iyo ngozi huru ndeyokusasarudzwa kwemasimba iwayo zvisina kunaka. Semuenzaniso, vashambadziri vepurimi vanowana pasi pevhareji inodzokera mumusika nokuti vanoita manzwiro, kwete mazano, kuisa mari kusarudza.
Kudzidza Kupedzisa Vazhinji Vapateri Vanofanira Kubhadhara Kubvisa Mari Yadzo
Mushure mokufunga nezvehuwandu hwemungozi muzvinamari aizofanira kutora kuti aongotarisirwa kuti awane kudzoka kwakakwirira kudarika mutengo wekubhadhara mari yavo, Chirongwa Chekutsvaga Kwokurapa chakapedzisa mukudzidza kwavo kwakanzi "Unofanira Kutakura Mari Inotora Mushandirapamwe" iyo paunotarisa pamhuri dzinotora pamba " vose kunze kweivo vashomanana vangave zviri nani kubhadhara chikwereti chavo chemari ." Vaduku vashoma vaitaura nezvavo vaida kupa mari yakawanda mumatanda akanga akaenzana kana kudarika chikwereti chavakakweretesa kuti vaite mari yavo.
Chidzidzo ichi chakatarisa mungozi uye mitero uye yakagumisa kuti vanhu vakawanda vakapinda muhurumende vaizove zviri nani kubhadhara chikwereti chavo kana vaine mari yekuita saizvozvo.
Mutemo Wokubhadhara Kubva Kuchengetedza
Chikuru chikuru chekubhadhara chikwereti chemangwanani chakaderedzwa. Zviri nyore kuwana mari yakagara muakaiti yekutsinhanisa kana kubhangi yebhangi pane kuwana mari mune mamiriro edzimba.
Funga kuumba imba yekuenzanisa chikwereti chechikwereti kana chikwereti chako chabhadhara kuitira kuti uwedzere kuwedzerwa, kana kuwana mari yako kana zvichidiwa.
Ndeapi Masimba Unofanira Kushandisa Kuti Ubhadhe Kubhadhara Kwako Mari?
Kana iwe uri mujeri uye uchida kubhadhara chikwereti chako kare, unoenda sei nekugadzirisa zvinhu kuti uite kudaro? Munyaya inotevera:
- Kutanga, shandura mari dzisingabhadhari-dzisingabhadharwi mumabhuku ekubhadhara. Sei? Iwe uri kunyanya kutengeserana kushandiswa kwekutengesa kusina mari kune mumwe; bhangi rekuchengetwa kwebhangi yeimba isina imba yekutengesa, somuenzaniso.
- Chechipiri, chengetesa mari yekriskier mumatare ebhadhara. Iko iwe uri kuisa muzvikwereti zvinogona kuwana mari yakakwirira uye kuvatengesa muimba inosunungurwa uye yakajeka.
- Chechitatu, kana uine makore anopfuura 59 ½ unogona kufunga nezvekutora mari kubva kumabhengi emitero akabhadhara kuti ubhadhe chikamu chako chekutenga chikwereti, asi chenjerera kuita izvi. Kubhadhara kubva kumabhengi e-tax-deferred kunowanikwa mumari yako inotengesa mugore raunotora kubvisa. Izvi zvinoreva kana iwe wakatora chunk yakawanda yemari kunze kweIRA kana 401 (k), mari yakawedzerwa inogona kukubvisa iwe mubhaketi yakakwirira yepamusoro. Iwe unogona kuve nekudzivisa izvi nekuputsa hukuru hukuru hwekusiya huchiita huwandu hwezvinyorwa zvingabviswa pamakore akawanda emakore.
Usati wabhadhara chikwereti chako zvekare kare uchange uchida kufunga nezvemigumisiro yemitero yemutengo wako .