Kwete Nyaya Inobatsira Sei Kubhadhara Kwemabhadharo Edu, Zvokuchengetera Zvinyorwa Izvi?
Asi ndezvipi zvinhu zvausingafaniri kumbobvisa kubva kubhadharo yako , zvisinei kuti yakanamatira sei mari iwe unganzwa panguva ino?
Heino urongwa hwezvinhu zvausingafaniri kutema, pasinei nokuti wakaputsa sei unonzwa. Iva nechokwadi chokuti iwe unopedza imwe nguva yekupedzisira yekubhadhara mari idzi, kunyange kana iwe uchifanira kutora basa repiri kuti uripe.
# 1: Health Insurance
Waiziva here kuti zvikamu zviviri kubva muzvitatu zvekushungurudzwa kwose zvakabatanidzwa zvakananga kumitemo yemishonga? Hapana mhedzisiro yekukwirira kwezvikwereti zvezvipatara zvinogona kutambanudza.
Kana iwe uchiputsa motokari, mari yakawanda yaunogona kurasikirwa ndiyo kukosha kwemotokari (kwete kuverenga, zvechokwadi, chero zvikwereti zvezvechiremba zvinobatanidzwa nekambani yemotokari.) Izvozvo zvinoreva kuderedza kwako kunenge kusingadariki $ 20,000 .
Asi zvikwereti zvechipatara zvinogona, nyore nyore, zvakatambanudzira mumatanho matanhatu. Kana iwe uine kukuvara kwakakomba kana kurwara, zvikwereti zvako zvezvechiremba zvinogona kutambanudza mumamiriyoni. Izvo zvinowanzoitika pane zvaungatarisira.
Kana iwe waunoshandira asingakwanisi kupa hutano inshuwarisi, tenga iwe pachako chirongwa. Kana iwe uchinzwa kuti zvirongwa zvega zvinodhura, funga mari yekusava nemumwe. Kana iwe uri kutambura chaizvo kuti ubhadhara, sarudza chirongwa chine doroti yakakwirira.
Mushure mokunge ndapedza chikoro, ndakatenga chirongwa chehutano inshuwarheni ne $ 5,000 inotengwa.
Zviri pachena kuti handina kumbobvira ndavimba neurongwa urwu hwekurwiswa kwefosheni, contact lenses, kana chero imwe shanho yekushanyira ehofisi. Ndaiziva kuti kana ndairwara uye ndaifanira kuenda kuna chiremba, ndaifanira kubhadhara mari iri kunze kwehomwe.
Asi nemari yangu ye $ 5,000 yakakosha, ndaive nerunyararo rwepfungwa yekuziva kuti "kushushikana" kwangu kwakatorwa.
Kana ndikave ndarwara zvakakomba kana ndakuvadzwa, mari yakawanda yandinofanira kuripa ichava $ 5,000. Hazvizofadzi kuita zvikwereti izvozvo, asi zvingava zviri nani kudikanwa kubhadhara $ 40,000 kana kupfuura.
# 2: Vaimba Pamba Inishuwarenzi
Pashure pemari inotaura nezvehutano hwako, wechipiri-imwe huru-bhorosi iwe unogona kumbofanira kubhadhara ndiyo mari yeimba yako.
Kana njodzi inopinda mumba mako inoparadzwa-zvichida nemoto, dutu guru, kudengenyeka kwenyika, kana imwe njodzi-iwe uchava pachikwereti chekubhadhara kurasikirwa uku, kunze kwekuti iwe une varidzi veimba ye inshuwarisi. Uye kana iwe uchifunga kuti mari yekubhadhara mari yakaoma ikozvino, ingomirira kusvikira iwe uchibhadhara mari mbiri: imwe yeimba yauri kugara, uye imwe yeimba yakaparadzwa.
Vazhinji vanokweretesa uye makambani anotengesa mari vanoda kuchengetedza zvinhu zvavo, saka vanotora inshuwarisi sechikamu chezvavanobhadhara. Mune mamwe mazwi, kana iwe uchibhadhara chikwereti chako, unogona kunge uri kutobhadhara iyo inshuwarisi. Asi kaviri-chengeta zvinyorwa zvako zvechikwereti kuitira kuti uve nechokwadi.
Uyezve, torazve inishuwarenzi yako purogiramu kamwe chete pagore kuti uone kuti une chikwata chakanaka chekugovera. Kuva neshuwarisi isina kukwana inenge yakaipa sekusina kana zvachose.
# 3: Car Inishuwarenzi
Ndinoziva, ndinoziva: Ndinoramba ndichitaura nezve inshuwarisi.
Asi izvi ndizvo nokuti zvakanyanyisa kukosha.
Zvinopesana nomurairo kutyaira kunze kwekuda kwehurumende-yakagadziriswa mudiki wemotokari yemotokari. Hazvibhadhare zvakawanda kuti uwane zvishoma zvishoma zvekugoverwa zvichazobhadhara kukanganisa kwemotokari yako uye motokari yeimwe. Iwe unoda zvakare kuchengetedzwa kwehutambudziro iyo ichavhara mumuviri kukuvadzwa kana pakaitika njodzi.
Yeuka: kukuvadzwa mumuviri ndeyebhadharo yakabatanidzwa nehutano, uye iyo mari inogona kuva yekudenga.
# 4: Kubhadhara chikwereti
Kana uri kubhadhara chikwereti chekwereti chekwereti chikwereti, se 29% yemari yeKR credit card, zvakaoma kuti iwe usakwanisa kubhadhara chikamu ichochi nekukurumidza. Mwedzi woga woga wauri kubhadhara chikwereti chekubhadhara, iwe uri kunyura mberi uye uchienda mune imwe gomba.
Zvisinei, kana iwe uine chikwereti chakaderera, chakadai sechikwereti chakanaka kana chikwereti chimwe chete-chiyero chemotokari , iwe haufaniri kunge uri mukukurumidza kubhadhara chikwereti ichocho.
Usati washanyira kubhadhara chikwereti ichocho chechikwereti, unofanirwa kuisa pfungwa pakuvaka gorozi rinokurumidza uye kuchengetedza kubhadhara. Icho chinotungamirira kunheyo yangu inotevera ...
# 5: Your Emergency Fund
Iwe uchashamiswa nerugare-rwe-pfungwa iwe uchanzwa apo iwe unoziva kuti une mwedzi mishomanana mubhadharo wakatarwa kuti utarise chero hupi hupi hurumende dzinogona kuitika.
Kana chimwe chinhu chisingatarisirwi chikaitika icho chaimbove chichida kuti iwe ubudise makadhi echikwereti - zvakadai semapapiro anoputika muimba yako yekugeza - iwe uchakwanisa kubhadhara mabhiriro pakarepo, pasina kupinda mune chikwereti chipi zvacho.
Ramba uchiwedzera kune rako rekugadziriswa mari, iyo chete mushure mekunge iwe uwedzere kuwedzera 401 (k) maonero. Icho chinotungamirira kunheyo yangu inotevera ...
# 6: Basa Rako Rakashanda 401k
Kana mubatsiri wako achienzanisa nemipiro yako kune 401 (k), yatorwa zvakakwana nemukana uyu. Kana iwe ukawana chikamu chemazana makumi mashanu pamadhora ose aunosara, kusvika kune 6 kubva pakutanga, uri kuwana zvakakwana 50 muzana "inotarisirwa kutora chikwereti" pa6 kubva muzana yemari yako. Izvo zvine musoro.
Kana uchinge wanyanyisa mubasa wako, shingairira kuvaka chikwata chekukurumidzira nekudzorera chikwereti chikuru. Panguva ino, iva nechokwadi chokuti hausi kuisa purogiramu yako inshuwarisi. Inishuwarenzi ndiyo kuchengetedzwa kwakanakisisa kwaunayo pakuneta nekuwedzera mune chikwereti.