Kuvabatsira kubhadhara chikwereti chavo kunokonzera kukuvadza kupfuura kunaka here?
Mushure mematambudziko ehupfumi, vechidiki vaduku vari kuwedzera kuva nechinetso kurarama vari voga. Vamwe vanhu vakuru vezera remakore makumi mapfumbamwe nemashanu kusvika kune makumi matatu vanogara nevabereki vavo, kazhinji nokuti kugara vari voga pane imwe chete mari hazvibviri. Mwana wako angave ari kutambura zvakanyanya zvokuti vanokumbira zvinopfuura zvekare yekurara yekare; vanogona kukumbira rubatsiro kubhadhara chikwereti chavo. Kana, kana ukavaona vachitambura nemari, iwe ungafunga kuzvipira rubatsiro rwako.
Chero nzira, usaita zvisarudzo zvinokurumidzira. Tora nguva yekufunga nezvazvo, kurukura newawakaroorana naye, uye wozopa mhinduro yako.
Zvinhu zvakawanda zvinogona kuitika, asi zvinosvika kune zvinhu zviviri zvinokosha: zvinokonzerwa nemari yako uye kana kubhadhara chikwereti kuri kubatsira zvechokwadi kana kungogonesa mwana wako.
Iwe Unogona Kuda Kubhadhara Chikwereti Chekwana Wako Chakakura Here?
Tarisa pamusoro pemari yako pachako kutanga. Uri mune chikwereti iwe pachako here? Unogona here kunyatsogona kubhadhara chikwereti? Iwe uchazofanira kudzorera basa rekurega basa here nokuti uri kubhadhara chikwereti chako chemwana? Kana zvakadini kana mari yako yakaoma zvokuti iwe haugoni kukwanisa kuisa zvokudya patafura yako? Ko kana iwe uchifanira kupinda mune chikwereti kuitira kuti unogona kubatsira mwana wako kubhadhara chikwereti chavakasika? Usabhadhara chikwereti chako kune yako pachakuvadza.
Zvichaita Kuti Iwe Uve Mamwe Mitero Here?
Chimbofunga chero mutero wekubhadhara chikwereti chomwana wako, kana uri kuronga kubhadhara mari inopfuura $ 13,000 gore rino sechipo kwavari.
Iwebsite ye IRS ine tsanangudzo pamusoro pemutero wezvipo uye mutero wako wemutero kana mubhengi wekambani anokwanisa kutsanangura zvinogona kuitika pamutero wako wemari.
Iwe Wakabatanidzwa paDhadharo Mubvunzo?
Kana mwana wako ari kutambura kubhadhara chikwereti kana kadhi rechikwereti iwe wakabatanidza, hapana mubvunzo kuti iwe unofanirwa kubhadhara. Kuramba kubatsira, munyaya iyi, zvinokuvadza iwe pachako chikwereti chako sezvo izvi zvinyorwa zvakanyorwa pamushumo wekwereti yako zvakare.
Bharai zvishoma zvishoma. Asi funga nezvenguva refu yekugadzirisa, sekuzvibvisa iwe kubva pachikwereti , kana mwana wako asingakwanisi kudzokerazve kubhadhara pashure pemwedzi mishoma.
Shanduro yako yechinyorwa inopa bhangi kodzero yekuuya mushure mekubhadhara. Vanokwanisa kukupomerai uye kutora mvumo yematare kuti inakire mubhadharo wako kana kubhadhara mari yako yebhangi. Kana mwana wako akawana kubhadhara mari yezvikwereti zvako, unenge wakanyatsotarisa kune imwe nhamba yakasara pamabhengi akabatanidzwa kubva mabhengi anoregererwa kutora kubva kumwana wako.
Ngwarira Migumisiro Isingatarisirwi
Bhadhara chikwereti chomwana wako uye vanogona kutanga kufunga pamusoro pako senzira yavo yekuchengetedza. Vangasaita tsika dzakanaka dzemari dzichiziva kuti muchavepo kuti muvashandise kunze kana vakanganisa. Ita kuti zvive pachena kuti uri kuvabatsira nguva imwechete uye simira pasi yako kana mwana wako achidzoka kwauri kuti abatsirwe.
Kuderedza kubhadharwa kwekadhi yenguva yemukwereti yemwana wako kunovhurawo chikwereti chavo chiripo, zvichivabatsira kuti vashandise zvikwereti zvikuru zvakare. Inogonawo kuva nemigumisiro yakanaka pamakwereti avo, iyo inogona kuvabvumira kuti vakwanise kuwana mamwe makadhi emakwereti.
Kana mwana wako akakumbira rubatsiro rwemari, iwe unova chikwereti chavo uye iwe unofanirwa kubata ukama hwakafanana neunokweretesa.
Chengetedza kwete chete kana mwana wako anogona kukwanisa kubhadhara iwe, asiwo kana vachida kukuripira. Chinhu chimwe chete kubatsira mwana ari kutarisana nenguva yakaoma, mumwe kubatsira iye anenge asingatarisiri uye asingashandisi mari yavo.
Iwe unogona kusarudza kubhadhara mwana wako mari yekubhadhara chikwereti chavo pane kupa chipo chemari kwavari. Kuva nemwana wako chikwereti iwe unogona kuisa dambudziko paukama hwako, kunyanya kana mwana wako asingakwanisi kubhadhara iwe kana asina kuzvipira kukuripira. Mwana wako angabvuma kubhadhara iwe pavanenge vachida rubatsiro, asi vanogona kukutsamwirai nekukumbira kuti vakuripe zvakare.
Kana Iwe Sarudza Kubatsira Kubva
Ongorora maitiro ekubhadhara mari akaita kuti mwana wako ave mune chikwereti uye anouya nechirongwa chekuchinja zvinhu. Ita ichi chimiro chekubatsira kwako.
Iwe unogona kutora chibvumirano nemwana wako. Iwe unobhadhara hafu chikwereti kana vachizobhadhara imwe hafu. Iwe unogona kuita mubhadharo wemari kana kuenzanisa kubhadhara kwazvo mwedzi mumwe nomumwe, zvakafanana nomushandi 401 (k) anofanana. Iwe unogonawo kuti vawane rubatsiro rwemari kubva kuchikwereti kana mumwe mudzidzi wezvemari wehupfumi semamiriro ezvinhu auri kubatsira. Pamusana pekuda, mwana wako anofanira kuwana ruzivo rwemashoko makuru ezvemari, kufambisa mari uye kukwereta chikwereti .
Kana, Kana Iwe Sarudza Kuti Usabatsire
Kana ukasarudza kusabatsira, tsanangura chikonzero. Somuenzaniso, "Hatigoni kukubatsira iye zvino" kana kuti "Tinotenda kuti zvakakosha kuti iwe ushande nzira yako kubva mumamiriro ezvinhu iwe pachako." Kunyange kana iwe usingabhadhara mari yavo, unogona Ivapo pane kutungamirirwa uye kutsigirwa. Vataurire munharaunda yezvakanaka zvemari zvinogona kuvabatsira kunze kwemamiriro ezvinhu.