Kushandura mabasa kunoreva kuchinja kushandiswa, kuchinja mubhadharo wako, kusarudzwa kwako kwekusarura uye zvichida kunyange kutama. Kana wakashanda zvakaoma kuti uchinje basa rako , haudi kurega kushanduka kunobatsira kubva kune zvakakosha zvebasa rako idzva. Mushure mezvose, zvingave zvichikubatsira kusvika pachinangwa chako chekushanda . Iyi inguva inonetsa kubva iwe uri kutarisa pakuita zvakanaka kune vashandi vako vatsva nevashandi, asi zvisarudzo zvemari zvichiri kukosha uye zvinofanira kuongororwa zvakanyatsonaka. Yeuka kuti kushandisa zvinyorwa zvako zvinogona kuderedza mari yako inotengesa. Iwe unogona kukodzera kuwana zvitsva munguva yekunyora kuzarura, saka iva nechokwadi chekudzorera ivo gore rega rega.
01 Health Health
Apo iwe unyoresa hutano hutano hutsva paunotora mushandirwi wako, unogona kuva nemitemo yakasiyana yekusarudza kubva. Sarudza hurongwa hwakakosha zvikuru huchakupa chinyorwa chaunoda. Kana iwe usingadi kugovera zvakawanda, unogona kusarudza chirongwa chine mari. Iwe unogona kuongorora hurukuro yakakwirira yeinishuwarenzi, kunyanya kana wako mubhadharo achatsigira kuAalth Savings Account iwe. Edza kudzivisa hurongwa hwehuwandu hunove hwakakodzwa zvakanyanya asi hauna kukanganisa nekuzadza kwakakwana kana uchingosangana navo.
02 Retirement Benefits
Basa idzva rinoreva chirongwa chitsva chokubvisa basa. Vanhu vazhinji vanosiya nzira ye 401 (k) s shure kwavo. Vanokanganwa kuvhara 401 (k) pamusoro kana kuverenga iyo yakaoma zvikuru. Iwe unogona kuvhara 401 (k) yako muIRA pane imwe sangano rekutsinhanisa kana kubhangi rako. Iko inokubvumira kuti uwedzere kutarisa kwezvikwata zvaunoshandisa, pamwe pamwe zvinosimbisa zvipo zvako zvekurega basa kune imwe nzvimbo. Kana uine chikwereti chekukweretesa 401 (k), mari yacho ichave yakakodzera kana ukarega basa rako rekare. Iwe unoda kuva wakagadzirira kubhadhara zvachose zvachose kana kubhadhara mitero pairi.
Panogona kuva nenguva yekumirira usati watanga kugovera kune 401 (k) pamabasa ako matsva. Kana izvi zviri izvo, usabva pamitiro wekupa mari yekurega basa. Gadzira mupiro wegore negore kune imwe nhoroondo yeIRA kusvikira uine kodzero yekushandira 401 wako (k). Bhalanidza kubhadharo uye mimwe mipiro inofanirwa iwe yaunokodzera pakarepo iwe paunokodzera.
03 Zvimwe Zvipo
Paunotanga, unofanirwa kupiwa mukana wekunyora kweFlexible Spending Account pamwe nemamwe marudzi e inshuwarisi. Chinhu chakanaka kutanga chinogona kunge chiri chokufunga zvawaiva nazvo usati wasiya basa rako rekare uye ona kana kugoverwa kuchienzaniswa neicho basa rako idzva riri kupa. Unogona kuona kuti chirongwa chemazino chiri nani pane basa rako idzva uye rinofanirwa kuinyorera. Kune rumwe rutivi, urongwa hwezviratidzo hunogona kunge husina kukodzera mari. Zvakakosha kuziva kuti semhuri yako inoshanduka, uye iwe paunenge uchiraira zvimwe zvikomborero zvichava zvakakosha kuva nevamwe apo vangave vasina kukoshesa paunenge uchiri muduku, usina kuroora uye ane utano.
04 Budget
Tora nguva ikozvino kuti uite bhajeti idzva nemari yako itsva. Izvi zvinogona kureva kuti iwe wakawana mari yakawanda yekuisa kune yekubhadhara chikwereti chako kana kuwedzera michero yako yekurega. Usati wawedzera mari yako kune imwe nzvimbo, funga kubuda kunze kwechikwereti uye kuwedzeresa mari yako ichikosha pane iye zvino. Kuita shanduko apo huwandu hwemari yako huri nyore pane kuderedza shure mushure mekunge mava nemitemo mitsva yekushandisa.
Vanhu kazhinji vanoona zviri nyore kuchinja kushandisa miitiro munzvimbo itsva. Edza kugadzirisa chikamu chaunodya kunze kwekuita zvekuvaraidza paunoenda kunzvimbo itsva kana kutanga kushanda pahofisi itsva. Kana iwe uchiuyisa kudya kwako kubva kumba uye utsvaga paki yakanaka kuti udye, unogona kubva kunze kwehofisi asi uchengetedze mari yakawanda.
05 Moving
Kana uri kutamira basa rako idzva, iva nechokwadi chekutsvaga nzvimbo yako itsva usati wasayina chibharo. Iwe unofanirwawo kushandisa mari yekutsvaga chekutarisa kuti uone kuti iwe unoshandura dzose dzeakero iwe unoda, mavhareti epfupi, uye uzvichengete iwe kubva kumari yekupedzisira uye mamwe matambudziko anouya nekufamba.
Kana kambani yako isiri kubhadhara mari yako yekufambisa, iva nechokwadi chekuchengetedza risiti nokuti mari iri mutero inobviswa kana basa rako idzva riri kupfuura makiromita makumi mashanu kubva panzvimbo yako itsva. Inogona kukuchengetedza mari yakawanda kana iri nguva yenguva.