Pasinei nokuti uri kutanga basa rako rokutanga kana kutsvaga chimwe chitsva, zvakakosha kufunga nezvekubatsirika kwekambani imwe neimwe. Iwe unofanirwa kuwedzera zvikwereti muhomwe yako yekufungisisa, nokuti unogona kushamiswa kuti basa rekubhadhara rakaderera rine zvikomborero zvikuru rinogona kukuisa iwe mari mberi mberi kana uchienzaniswa nebasa rinokubhadhara. Hezvino zvinhu zvakanakisisa zvinobatsira uye zvinhu zvaunofanira kufunga pamusoro pavo paunofunga nezvebasa rako idzva . Kushandisa zvibatsiro zvako kunogona kuderedza mari yako yaunotengesa uye kuwedzerwa mari yakawedzerwa. Iwe unofanirwawo kuongorora zvikomborero zvako gore roga roga panguva yekunyora kuzarura. Kutanga basa idzva inguva yakaisvonaka yekugadzira maitiro akanaka emari .
01 Health Health
02 Mushandi Wakafanana
Mubhizimisi mutsara chimwe chimwe chikomborero chikuru. Vashandirwi vakawanda vanofananidza nemipiro yenyu ye 401K kusvika kune imwe chiyero chemubhadharo wenyu. Ichi ndicho chinhu chaunofanira kushandisa nekuda kwekuti inowedzera kubhadhara kwako nekugonesa. Kana iwe ukasiya kambani usati wapiwa muprogram ye 401K iwe ucharasikirwa nemari yako yaunoshandisa iwe. Kazhinji zvinotora makore mashanu kuti uwane. Mumiririri wako wehupfumi anokwanisa kukuudza iwe kuti unoda nguva yakareba sei kushanda kuitira kuti uwane. Iwe unofanirwa kuedza kuisa mari yako nguva dzose kusvika pamari yaunoshandira iwe, nokuti inowanzopeta zvipo zvako kusvika ipapo.
03 Kubhadhara Muzororo uye Kurwara Nguva
Kubhadhara mazororo uye mazuva anorwara ndeimwe kubatsirwa kukuru. Kazhinji, iwe unowana nhamba yakagadzirirwa mwedzi woga woga unoshanda. Mazuva ano achawedzera sezvaunoshanda. Vashandi vakawanda vanopawo mamwe mazuva kana musvika pamakore mashanu kana gumi. Paunenge uchishandura mabasa iwe unogona kufunga nezvezvinhu zvauchazosiya pazvinouya kune vakwegura. Kuwedzera paunenge uchibva, kambani yako inofanira kukubhadhara kwemazuva ekurwara uye mazuva ezororo wawakawana, asi asina kushandiswa.
04 Life Insurance
Inishuwarenzi yehupenyu ndeyeimwe inobatsira. Kazhinji, waunoshandira achabhadhara chikamu chemari yegore rimwe chete, paanenge achikupa sarudzo yekutenga kuwedzera kugoverwa. Ichi chinhu chinobatsira zvikuru, uye chinogona kubatsira vadiwa venyu kuti vabhadhara mari yekuviga kana iwe uchifa. Iwe unofanirwa kuva wakagadzirira kutumidza munhu unobatsira paunozadza mapepa ako epakutanga. Izvi zvinoda nhamba yekuchengeteka kwevanhu munharaunda yauri kusiya mari yacho. Iwe unogonawo kuchinja muwanikidzi kuburikidza nekukurukura dhipatimendi rako revanhu. Hupenyu hwako hukuru hwehutano inshuwarheni haufaniri kunge huri kuburikidza nebasa rako, nokuti iwe ucharasikirwa nekugoverwa kana ukarasa basa rako. Tsvaga inshuwarisi yehupenyu-yehupenyu iyo iwe unotenga zvakasiyana kune yako inonyanya inishuwarenzi yekugovera. Zvisinei, kana uine mamiriro ezvinhu achakuita kuti usakwanisa kuwana inshuwarisi yehupenyu, unogona kuwedzera kuwedzera kwawakaita kuburikidza nebasa rako.
05 Stock Options
Vashandi vako vangave vachipa sarudzo dzekutsvaga, zvakare. Nzira dzekutsvaga dzinogona kukubvumira kutenga chikwata pamutengo wakatarwa. Pane nguva yekumirira yakagadzirirwa nekambani yekuti iwe unogona kutengesa sengo. Kazhinji, unogamuchira zvigadzirwa zvekutsvaga mutengo wakaderera, wozozvitengesa kana zvichikosha. Kushandisa yako sarudzo dzekutsvaga inzira yakanaka yekuwedzera mari yako uye yekubatsira kukuru kunopiwa nemakambani akawanda ekutanga.
06 Flexible Kudhura Mazano
Imwe rubatsiro inowanikwa ndeyekushandisa mari yakawanda. Izvi zvinotungamirirwa nehurumende, uye saka mitemo yakanyanya kufanana nechepamusoro pebhodhi. Nhoroondo yekushandisa mari inobvumirana ichakubvumira kuti uise pekuta pretax madhora kuti ubhadhara mari yezvokurapa uye yezuva. Kunyatsoshandiswa kwemari kuverenga nhoroondo inzira yakanaka yekuderedza mari yako inotengesa, iwe unofanirwa kushandisa zvakanaka kana iwe uchikwanisa.
07 Mimwe Inishuwarenzi Zvimwe
Kambani yenyu inogona kugovera mamwe mashomanana emishuwarenzi. Izvi zvinogona kusanganisira insano, maonero, uye hutano hwehutano . Iwe unofanirwa kuziva kuti kana kwete iwe unoda zvose izvi zvinowedzera mari yveshuwarisi . Inishuwarenzi yekuremara inobatsira zvikuru, sezvo ichadzivirira kana iwe wakakuvara kamwe kamwe. Kana uri kutarisa inshuwarisi yemeno uye yemaonero iwe unofanira kunyatsotarisa paurongwa hwako hwe inshuwarisi usati waita chisarudzo.