Ita izvi zvakarurama uye iwe uchava neutano hwakachengeteka.
1. Ronga, Uronga, Uronga
Rimwe remashoko angu aidiwa, naJim Rohn, anoti, "Kana iwe usingaiti urongwa hwehupenyu hwako, mikana iwe uchawira mune rimwe urongwa hwomumwe munhu.
Uye fungidzira zvavakaronga iwe? Kwete. "
Pasinei nokuti uri gore rimwe chete kubva pakubata basa, makore mashanu kure, kana makore gumi nemashanu panze, tanga kuronga iye zvino. Verenga zvose zvaunogona pamusoro pemararamiro ekubhadhara mari uye mari. Vaya vanoronga vachave nemari yakawanda yekusunungurwa kune avo vasingatori.
Imwe yenzira dzaunogona kuronga ndeyo kushandisa Excel spreadsheet kana chidimbu chepepa re grafu uye uchitanga kuronga hurongwa hwako hwekubvisa mari mumutambo wegore rinowanikwa gore negore. Izvi zvinokubatsira kuti uone zvichange uine kupinda nekubuda. Iwe unogonawo kutamba-svetana nevamwe vekutsvaga rekubhadhara mari inotora mari, asi chenjerera nemafungiro ako. Chirongwa chakanaka chete sekufungidzira kwaunoshandisa. Semuenzaniso, kana iwe unotarisira kuwana mari inoshandiswa inotora mabhizimusi, zvakanaka, izvi zvinoreva mukati mehafu yenguva yaunogona kuwana mhinduro iyo iri pasi pevhareji. Miviri yakanyorwa nenguva dzakanaka uye nguva dzakaipa.
2. Dzidza sekuti Waiva Vashanu
Panzvimbo pokufungisisa nezvekudzoka kwekutsvaga mari, ikozvino inguva yekufunga nezvesarudzo dzekutsvaga dzinowedzera kuvimbika kwehupenyu hwako hwekurega mari. Iwe unogona kunge uchida kutaura izvi kubva pane maonero matsva uye unlearn nzira dzakare dzekufunga.
Nzira dzakanaka dzekubvisa mari yekubatisa mari dzinosanganisira kubatanidza zvinyorwa zvekuregererwa kwemari yekubhadhara mari nemari inowedzera kukura zvakakwana kubvumira mari yako kuti ienderere mberi nekutengesa kwenyika.
Izvi zvinoda nzira yakasiyana yekutsvaga pane izvo vanhu vazhinji vanozvifunga panguva yavo yekuunganidza makore. Izvo zvinotarisa hazvisi zvekuwana zvakanyanya kudzoka - ikozvino iko kutsvaga kugadzirisa mhinduro yakavimbika.
Sezvo urongwa hwako huchiwana tsanangudzo yakawanda iwe unoda kugadzirisa mibvunzo yakadai sokuti iwe unofanira kubhadhara chikwereti musati warega basa. Kana iwe uine chirongwa chepenjeni iwe unoda kutarisa zvinobudirira uye kunyara kwekutora homwe yemari yekuparidzirwa nehupenyu hwemakore. Izvi zvisarudzo zvinogona kuchinja zvakanyanya purogiramu yako yekurega basa kuitira kuti iwe unoda kuita tsvakurudzo yako pane kuifunga. Uye usavimba nemashoko akare awakanzwa. Kune dzakawanda zvemhete dzemari kunze uko izvo zvisiri zvechokwadi.
Takatarisawo vanhu vanoita zvisarudzo zvinotyisa nokuti vakasarudza kuita chinhu chimwechete neshamwari yavo kana mushandi-mushandi pasina kuongorora kuti chisarudzo icho chakashanda sei kumamiriro avo pachavo. Zvisarudzo izvo zvakanakisisa kune muvakidzani wako kana mushandi pamwe chete hazvive zvisarudzo zvakanakisisa zvichienderana nemamiriro ako. Chimwe nechimwe chisarudzo chinofanira kuswedera pedyo nemafungiro akazaruka.
3. Ipa Nehanya Zvakanaka kune "Apo"
Kunyangwe iwe unogona kunge uine hanya yekurega basa, iwe unoda kuongorora kubudirira uye kushaya kubvisa nguva yekutanga.
Kutora basa rekutanga, zvinoreva usati wasvika 65, zvinoda mari yakawanda kana chido chokurarama zvishoma. Chimwe chezvinhu zvakakura kare zvekusarura mari yaunotarisana nayo iwe uchasangana nemari yehutano hwehutano. Kana uchingosvika makore 65 Medicare inotanga uye imwe yeizvi mari inobhadharwa. Kusvikira panguva iyo, miriyamisi yehutano yehutano yehutano inogona kuva yakakwirira.
Mukuwedzera, kukwanisa kwako kuwana hupenyu chinhu chakasimba; usakurumidza kuidzura. Munyika yezvemari, isu tinoti iyi ndiyo inhu yako yevanhu. Kune vanhu vazhinji, basa ravo nderimwe rematambudziko makuru avanazvo uye kupedza nguva isati yasvika kunogona kudhura.
Kusarudza nguva yakakodzera yokurega basa kunogona kureva musiyano pakati pekurashira kunakidza, kana kuti yakazara nematambudziko emari.
4. Verengai Mushure Mokunge Mutero
Iwe unogona kubhadhara mari shoma mubhadharo, iwe haungatori.
Usashandise mafungiro kana mafungiro sezvaanoita kunge asina kukanganisa. Vapateri vanogara vachiona kushanda kwemitero kuchava nevari pamakore avo ekurega basa. Dzimwe nguva vanokanganwa nezvemitero zvachose. Semuenzaniso, kana uri kushandisa mutemo wechigunwe sekutonga kwe 4% iwe unogona kufunga kuti unokwanisa kubvisa $ 4,000 pamadhora 100 000 ezvokuchengetedza. Asi zvakadini kana $ 100 000 iyo iri muIRA kana 401 (k) ? Pashure pemitero, iyo inogona kukusiya iwe chete $ 2,000 - $ 3,000 kuti upedze.
Kana uchigadzirira kubhadharwa mari, dzidza kuti zvii zvinyorwa zvekusunungurwa mari ichakwereta . Zvadaro fungidzira yako mushure mekubhadhara mari kuitira kuti uzive kuti iwe uchange uine hupi huripo kuti uwane hupenyu hwako. Ramba uchifunga kuti zvinhu zvakawanda zvichachinja munguva. Kana iwe uchibhadhara chikwereti chako iwe unogona kunge uchitora zvishoma zvishoma. Sezvaunokura iwe uchazodiwa kutora zvakawanda zveIRA yako zvinoreva mari yakawanda inotengesa uye zvichida yakakwirira yepamutero. Apo Social Security inotanga, inogona kuverengwa.
Tine tarisiro, iwe uchazorora chete kamwe chete. Kana iwe uchiita kuronga kwako zvakanaka, iwe uchave nokubudirira kuchinjira mukurasira. Kushanda nemumwe muteresi wemutero kana kuti wekugadzirisa basa rekugadzirisa basa rinogona kubatsira kuburitsa zvakajeka kune zvidzidzo izvi kuitira kuti iwe upinde mubasa rekuziva kuziva chaicho chaunotarisira.