Chinetso Kubhadhara Chikwereti Chete
Kana iwe uchibhadhara chikwereti chako uye usingaisi mari mukuchengetedza, iwe hauna chinhu kunze kwekuti makadhi ako ekwereti adzoke shure kana pane dambudziko rezvemari.
Zvinosuruvarisa, iwe unogona kutarisira rumwe rudzi rwemari inouya, uye kazhinji kana iwe usingatarisiri. Kushandisa zvikwereti zvekwereti kuti uwane mari yekukurumidzira kunoita kuti zvive zvakaoma kubhadhara chikwereti.
Kurambidza kubhadhara mari yako yekusasiya kuchava nemigumisiro yakaipa. Kana iwe uchimirira kuti utange kuponesa, iwe unowedzera kuisa pamwedzi wega wega kuti usangane nechinangwa chekurega basa. Kana iwe ukatanga kuponesa mberi, unowana rubatsiro rwemakore nemakore ekugadzirwa kwechikwata pamari yako.
Uye Dambudziko Nokuchengetedza Chete
Kune rumwe rutivi, kana iwe ukachengetedza kutanga uye usingafungi kubhadhara chikwereti chako, unopedzisira uchingoparadza mari pachikwereti chekwereti. Sezvo kadhi rechikwereti chikwata chekuda mari inowanzokwirira kupfuura mari yekuwana mari, iwe unopedzisa kushandisa mari yakawanda pamusoro pekukwereta kune chikwereti kupfuura iwe unowana pane iwe wekutsvaga.
Imwe dambudziko nekuchengetedza kutanga ndeyokuti iwe unotengesa kupinda muutora nemari. Unogona kuwana kuti haugone kurarama zvakanaka pamubhedha wako wekusarura uye uchiramba uchibhadhara chikwereti chako.
Saka iwe unofanirwa kurarama usinganzwisisiki uye kubhadhara chikwereti chako kana kudzokera kumabasa kusvikira unogona kubhadhara kadhi yako yemakadhi.
Apo Kuponesa Kunogona Kunyanya Kukosha
Kana iwe usina dambudziko rekukurumidzira kana chero mari yekuchengetedza mvura unokwanisa kukurumidza kupinda mune imwe nguva, zvino tora mwedzi mishoma kuti uite imwe. Izvo zvakakosha mari yekukurumidzira ndeye mwedzi mitanhatu kusvika kune gumi nembiri yekugara mari, asi zvinogona kutora makore akawanda kuvaka iyo iyo mari yekuchengetedza.
Mune nguva pfupi, tarisa pakuvaka $ madhora 1 000 mari yekukurumidza. Iko mari inobatanidza zvinhu zvinguva pfupi zvinokurumidza zvakadai sekugadzirisa motokari iyo ingadai isina kukweretwa kune kadhi rako rechikwereti. Kana uchinge uchinge uchinge uchinge uchinge wapedza mari yako yekukurumidza, iwe unogona kutarisa pakubhadhara chikwereti chako.
Tora uchishandisa rubatsiro rwomushandi wako kuenzanisa zvipo kune yako 401 (k) hurongwa. Usarega kubhadhara mari. Iko kunewo mitero inobatsira kubhadhara mari. Mari yaunopa ku 401 (k) inowanzosarudzwa kubva pamari yako inotengesa, zvichiita kuti uwedzere mutero mutoro. Kunyange kana iwe ukashandisa mubhadharo 401k mechi, iwe unogona kuderedza mari yako uye uchiri kushandisa mari yakawanda inobhadhara chikwereti chako.
Kubva pamaonero ezvemari, kana chikwereti chechikwereti pane chikwereti chako chakaderera kudarika chidimbu chechibereko pane zvaunenge uchichengetedza kana kuti iwe unotora mari, iwe unogona kuwana kudzoka kwakakwirira kuburikidza nekubhadhara chikwereti. Izvi ndizvo zvinowanzoitika nevari pasi-chikwata chekubhadhara chikwereti chevadzidzi. Kunyangwe zvakadaro, chikwereti chikwereti uye kunyange kuderera kwechikwereti chikwereti chinoderedza mari yako yakakosha uye kunoita kuti unzwe uchinetseka.
Mhinduro Iyo Yose
Pakupedzisira, iwe unofanira kuwana huyero pakati pemari yaunoshandisa pane chikwereti nekuchengetedza mwedzi mumwe nomumwe. Hazvisi kuchenjera kubvisa chimwe chezvizvi panzvimbo yeimwewo kuitira kuti uwane nzira yekuparadzanisa mari yako pakati pezviviri.
Somuenzaniso, kana iwe uine $ 1 000 mwedzi mumwe nomumwe, unogona kuisa $ 500 kutarisa chikwereti chako uye $ 500 kutarisira.