Mazano Okubudirira Kwemari Kunyange zvazvo kuita sarudzo yekuvandudza mararamiro ako chinhu chakanaka chekuita chero nguva yegore, vanhu vazhinji vanozviwana zviri nyore pakutanga kwegore idzva. Pasinei kana iwe uchitanga, zvidzidzo zvinoramba zvakangofanana. Heino zvigaro zvangu zvine gumi zvekufambira mberi mune zvemari.
1. Bhadharwa Zvaunofanirwa uye Uzvipire Zvishoma Kupfuura Iwe Unowana
Zvinonzwika zvisinganzwisisiki, asi vanhu vazhinji vanorwisana nemutemo wekutanga wekutanga.
Iva nechokwadi chokuti unoziva kuti basa rako rinokosha mumusika, nekuita uongorori hweunyanzvi hwako, zvibereko, mabasa emabasa, zvipo kune kambani, uye kuyerwa kwezvikwata, mukati uye kunze kwekambani, pane zvaunoita. Kubhadhara chikwereti kunyange madhora ane chiuru pagore kunogona kuva nekuwedzera kwekuwedzera kwehupenyu hwehupenyu hwako hushanda.
Hazvina mhosva kuti iwe wakabhadharwa zvakadini kana kuti zvishoma sei, hauzombofi wakaenda kana ukashandisa zvakawanda kupfuura zvaunowana. Kazhinji zviri nyore kupedza zvishomanana kudarika kuwana, uye kushandiswa kwemari shoma munzvimbo dzakasiyana kunogona kukonzera kugona kukuru. Hazvirevi nguva dzose kusanganisira kuita zvibayiro zvakakura.
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Chimwe chezvinhu zvandinoda zvikuru: bhajeti. Hasi shoko rene-mavara. Ungaziva sei kuti mari yako iri kuenda kana iwe usingaiti bhadha?
Ungasarudza sei kushandisa mari nekuchengetedza zvinangwa kana iwe usingazivi kuti mari yako iripi? Unoda bhajeti kana iwe uchiita zviuru kana mazana ezviuru zvemadhora pagore.
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3. Kubhadhara Chikwereti Chekwereti Chekwereti
Chikwereti chekwereti chikwereti ndicho chipingamupinyi chenhamba chekufambira mberi mune zvemari.
Zviduku zviduku zvepurasitiki zviri nyore kwazvo kushandisa, uye zviri nyore kukanganwa kuti mari chaiye yatinenge tichisangana nayo patinenge tichivarova kuti vabhadhara kutenga, chikuru kana chiduku. Pasinei nekunaka kwedu kugadzirisa kubhadhara mari yacho nokukurumidza, chokwadi ndechekuti isu kazhinji hatiiti, uye tinopedzisa kubhadhara zvimwe zvinhu kupfuura zvataizobhadhara dai taishandisa mari.
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4. Shingairira Purogiramu Yekubvisa Basa
Kana iwe waunoshandira ane 401 (k) chirongwa uye iwe usingabatsiri pairi, uri kufamba kubva kune imwe yezvinhu zvakanaka zvinoshandiswa kunze uko. Bvunza wako waunoshandira kana vane 401 (k) chirongwa (kana chirongwa chakafanana), uye usayine nhasi. Kana iwe uchiri kutopa, edza kuwedzera mupiro wako. Kana iwe waunoshandira asingatauri chirongwa chokubatira, funga IRA.
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5. Iva neChirongwa Chekuchengetedza
Wakazvinzwa zvisati zvaitika: Zvipe iwe wekutanga! Kana iwe ukamirira kusvikira watosangana nemamwe mabasa ako ose emari usati wangoona zvakasara pane kuchengetedza, mikana haungambove nekodzero yekuchengetedza kwakanaka kana zvikwereti. Sarudza kuisa pachidimbu chikamu che5% kusvika kune 10 muzana yemari yako yekuchengetedza PAKATI usati watanga kuripa mabhiriro ako. Zvichiri nani, mari inobviswa zvachose kubva pamari yako uye ichiiswa mune imwe nhoroondo.
6. Invest!
Kana iwe uchipa urongwa hwekushandira mari uye rekuchengeta mari uye iwe unogona kugona kuisa mari kune mamwe mazvikwereti , zvose zviri nani.
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7. Kuwedzera Bhizimisi Rako Rokushandisa
Basa rinobatsira sezvakaitwa 401 (k) hurongwa, kushandiswa kwemari kushandiswa kwekodha , kurapa uye mazinesi inshuwarisi , nezvimwewo, zvakakosha zvakakwana. Iva nechokwadi chokuti uri kuwedzera yako uye kushandisa zvingakwanisa kukuchengetedza mari kuburikidza nekuderedza mitero kana kunze kwemari.
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8. Ongorora Vhudziro Yenyu Inishuwarenzi
Vanhu vakawanda kwazvo vanotaurirwa mukubhadhara mari yakawanda yehupenyu uye inshurensi yehurema , zvisinei nekuwedzera zvikamu zvekubhadhara kwemotokari , kutenga inshuwarisi yehupenyu hwose kana nguva-hupenyu huchinyatsojeka, kana kutenga inshuwarisi yehupenyu kana usina vana vanovimba.
Kune rumwe rutivi, zvakakosha kuti uve neinishuwarenzi yakakwana yekudzivirira vatsigiri vako nemari yako mukana wekufa kana kuremara.
Kuvimbisa Upenyu Hwako
Health Insurance Insurance
9. Ongorora Zvaunoda
70% veAmerica havana chido. Kana iwe uine vatsigiri, zvisinei kuti uri muduku kana kuti iwe uine zvakawanda, iwe unoda kuda. Kana mamiriro ako asina kunyanya kuoma iwe unogona kuita iwe pachako ne software sezvakaita WillMaker kubva kuNolo Press. Chengetedza vadiwa vako. Nyora kuda.
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10. Chengeta Zvinyorwa Zvakanaka
Kana iwe usingachengeteri marekodhi akanaka, iwe haufaniri kutora zvose zvako zvinokodzera kubhadhara mitero uye zvikwereti. Isa urongwa huno uye uhushandise gore rose. Zviri nyore nyore kupfuura kutsvaga kuti uwane zvinhu zvose panguva yemutero, kungosiya zvinhu zvingakuchengetedza iwe mari.
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Iwe uri kuitei pane yakanyora urongwa gumi? Kana iwe usingakwanisi kuita zvitanhatu kubva kune gumi, sarudza kuita zvigadziridzo. Sarudza imwe nzvimbo pane imwe nguva uye isa chinangwa chekubatanidza zvose gumi muhupenyu hwako.