Nzira 12 Dzokushandisa Mari Mari Dzakasimba
Mhuri dzakawanda dzechiuto dzinorarama mari yekubhadhara mari uye dzimwe nguva zvinotambudza kuti zviwane zvigaro. Asi pane musiyano mukuru pakati pazvo uye kuva murombo. Nokudzidza kuita sarudzo dzakanaka panyaya dzemari, unogona kubatsira mhuri yako kugadzikana kwehupfumi mumatanda ako ose mubasa. Heino nzira:
01 Edza Kudzidza Nezve Mari
Nepo vazhinji vedu tichidzidza pamusoro pejiometri, sayenzi, uye zvigadzirwa zvemitauro kuchikoro, hatiwanzodzidza kutarisira mari yedu. Izvozvo zvinogona kutsanangura kuti nei vanhu vazhinji vachizviisa mumatambudziko emari. Tanga kudzidza mitemo yezvemari ikozvino uye utore sezvikoro zvakawanda zvezvemari zvaunogona kuwana. Kunyanya iwe unodzidza nezvemari, kuisa mari, mashizha, nekugadzirisa zvemari, zviri nani pane iwe uchava munguva yemberi. 02 Zischentitera Zvirongwa zvePedk Perk
Hurumende inopa mapurogiramu akawanda emari kuti abatsire nhengo dzehondo kuti dzive-uye dzigare-dzakachengeteka mune zvemari. Asi vashandi vakawanda havagoni kushandisa zvirongwa izvi. Tinokurudzira kuti utange Plan Thrift Savings (TSP) kana kuti Individual Retirement Account (IRA) kuburikidza neU.SA kana Navy Federal. Izvi zvirongwa zvekuchengetedza zvinokubvumira kuisa chimwe chikamu chebhadharo rega rega mune imwe nhoroondo isingagoni kugunzwa kusvika pahupfumi (kunze kwekuti iwe uchida kubhadhara mari yakawanda uye zvikwereti). Iyi nhoroondo ichabvumira mari yako kukura nekukurumidza kudarika iyo yakaita sekuchengetedza kero. 03 Chengetedza Mari Pakati Pekushandisa
Kuva nekushandiswa kwakaoma zvakakwana; kuedza kubhadhara zvikwereti uye kuenzanisa bhuku rekuongorora panguva imwechete rakaoma. Nhengo dzebasa dzekuroorana dzinowanzova nenguva yakaoma nokuti vane mudzimai anokwanisa kutarisira mari. Kunyange zvakadaro, zvakakosha kuti vakaroorana vagoverane ruzivo rwezvemari uye zvisarudzo kuitira kuti vagone kuzvimiririra kuita sarudzo dzakanaka pamusoro pemari kana imwe yei inotanga kuendeswa. Kana usati waroora, usati watora, bvunza shamwari yako yaunovimba kana nhengo yemumhuri kuti atarise mune zvemari yako kamwechete kamwe munguva imwechete kuti uone kuti zvikwereti zvako zvose zvibhadharwa zvakakwana uye nenguva. 04 Ita Izvo Zvakanaka Nekumba Kweimba
Kuva neimba kunogona kumira semafungiro makuru, kunyanya kana iwe uchikwanisa kubhadhara chikwereti cha VA uye haufaniri kuisa mari pasi kana kubhadhara mari yega mortgage inshuwarisi. Asi kana iwe uri mubasa rekushanda uye uchifamba kwemakore mashomanana, kutenga imba ikozvino kungasava sarudzo yakanakisisa. Kana iwe uchifanira kutama, kutengesa imba yako kunogona kutora nguva refu kupfuura iwe unofungidzira uye iwe ungaguma wava kutengesa zvishoma (kana pakurasikirwa). Uye kana usina chakanosarudza kunze kwokubvarura imba yacho, iwe uchaguma semuridzi weimba refu, iyo idambudziko guru. Kune vakawanda servicemembers, kukodha ndiyo chisarudzo chakanaka mukati memakore yaunofamba-famba zvakanyanya. 05 Batsira Wawakaroorana Naye Tsvaga Basa Rakanaka
Kutenda kune avo vose-kakawanda vanoendeswa kune dzimwe nyika, vazhinji vakaroorana vehondo vanomhanyira kuwana basa rakasimba. Zvakaoma kuwana basa rinokubvumira kuti ushande kubva kumusha kana kure kure iyo inobhadhara zvakanaka. Vakawanda vakaroorana vemauto vakagadzikana kupinda kutora zvokudya, kutengesa, kana mamwe mabasa ekupinda-kungoita kuti vawane mari yakawedzerwa. Kurudzirai mumwe wenyu muhupenyu hwake. Achanzwa achizadzikiswa kana akabatikana uye achiita chimwe chinhu chaanofarira. Mukurudzire kuti atange bhizinesi duku , shanda sa freelancer, kana kupa basa rinobva kumba rinozobatsira vamwe. 06 Dzivisa Avo Pesky Payday Loan Centers
Nzvimbo idzi dzinofanirwa kukupikira mwedzi, asi chido chavo chekuda chikafu-uye chakakwirira zuva rega rega. Kana uchinge uri, zvakaoma kusunungura. Bhabha yako yakanakisisa? Zviri nani kudzivisa nzvimbo idzi zvachose. Pane kudaro, chengetedza mari yakakwana iwe pachako kuti ubhadhara zvinhu zvakakura kana kushandisa kadhi rechikwereti rechikwereti. 07 Kuchengetedza Chirevo cheMvura
Kutaura nezvekuchengetedza, zvakakosha chaizvo kuva nevamwe! Inogona kunge iri chiito chekuita kuti zvikwereti zvose zvibhadzwe uye uchiri nemari yakasara kuti uwane mari, asi kunyange kana ukaisa zvishoma pamwedzi wega wega, ichakura nekufamba kwenguva. Iwe unogona kuisa gwaro rako rekuongorora kuti udzokere zvakananga pane imwe mari yako mari yako mwedzi mumwe nomumwe. Nenzira iyo, iwe unenge usina kukanganisa mari uye zvikwereti zvako zvichiri kubhadharwa. 08 Isai Zvokudya
Kutenga masikati kana kofi zuva rega roga kungaita sezvimwe zvishoma zvishoma pano neapo, asi nekufamba kwenguva, unogona kuguma kushandisa mazana emadhora pamwedzi apo iwe unogona kunge wakaunza kudya kwemasikati kubva kumba. 09 Gamuchira Gasi paBase
Kunokera kuti iwe unotyaira sei inogona kuva nzira yakanakisisa yekuchengetedza mari uye saka unogona kusarudza nzvimbo yakakodzera yekuzadza tangi yako. Kutenga gasi pachigadziko kuchakupa mutengo wakanakisisa wemari yako, saka ita kuti uve chinangwa chekutsvaira ipapo, kana zvichibvira. 10 Tenga Zvikwata
Usati wazvipira kutenga chimwe chinhu, iva nechokwadi chokuti uri kuwana zvakanakisisa kubata. Chengeta vatengi vemitemo, chigadzirwa chekugadzira, kuwanikwa kwekutengesa, uye ruzivo rebate kuti uone kuti hausi kukwereta. Panguva imwe chete, funga kaviri usati watenga zvinhu zvausingadi pakarepo. Tora zuva kuti ufunge pamusoro paro, uye kana uchiri kukwanisa kurarama pasina chinhu chiri mubvunzo, chiitenge. Kazhinji nguva, zvinhu zvisingakoshi hazvibatsiri isu patinenge tiri pamba kubva muchitoro. 11 Bhokisi reUpenyu Inishuwarenzi
Masoja anopa chiitiko chinonakidza kana zvasvika kune inshuwarisi yehupenyu. Bhizimisi reboka reInishuwarenzi yehupenyu (SGLI) inongodhura 6,5 ​​masentimita pa $ 1 000 yekugoverwa pamwedzi (iyo inodarika $ 312 / gore ye $ 400,000 yehuwandu). Iyi inshuwarisi inowanikwa kune vose vanoshumira, pasinei nezera ravo, hutano, kana mikana yekuendeswa. Kana iwe usati wava neGGLI chinyorwa, tora zvimwe zvino. Icho chikamu chinokosha chekugadzirira ramangwana remhuri yako. 12 Tora Kubatsirwa Kwemitoro Yezvitoro
Chimwe chezvinhu zvakanakisisa zvemauto hazvisi kubhadhara mitero pamari yawanikwa panguva yekuendeswa. Kana uri kuisa hupenyu hwako pamutsetse, zvishoma iwe hurumende inogona kuita ndeyokupa kuputsa pamitero yako. Edza kuisa mari yakawandisa yemutero usingabhadhari muRoth IRA. Makumi mashomanana kubva kubva ikozvino, apo iwe uchibvisa mari yacho, zvose zvaunowana hazvizobhadharwi zvakare. Imwezve mitero yekubhadhara inopiwa kumachechi ndiko kukwanisa kuramba uchigara mune imwe nyika kunyange kana uchifanira kuenda kune imwe nzvimbo. Kana, semuenzaniso, iwe unogara wekuteresa-sarura seTexas uye uchengetedze kugara ikoko, haufaniri kubhadhara mutero wemutero wenyika kune imwe mamiriro enyika, pasinei nemutero wavo. Mhedziso
Kunyanya kugadzikana mune zvemari muuto rehondo hakusi nguva dzose chiri chinhu chinonyanya kuita, asi kana iwe uri kushingaira, wakachenjera, uye uchishandisa zvinyorwa zvinopiwa kwauri, uchabudirira munguva yako munguva yehondo.