Nzira Yokugadzirira Sei Nhoroondo Yemihoro Yakawanda Inokumbira
Paunenge uchibvunzurudza nezvebasa idzva, zvinowanzoita kuti kambani ikubvunzei nezvemari yako yekare. Ini kazhinji ndinoda kuziva kuti mubhadharo wechiripi ndeupi, kana vakagamuchira bonus chero ipi zvayo, yevhesi yemabhonasi yemari, uye chero kupi kwekubhadhara kana zvimwe, zvakadai se 401k kufanana, zviyero zvekutsvaga kana kusarudzwa kwezvikwata, kubhadharwa nguva uye zvakadini zvavanoda kubhadhara kumayero avo ekurapa.
Kana uri kutarisira zvimwezve zvikwereti, zvakadai sechiratidzo pamabhonasi, rubatsiro rwekuendeswa kune dzimwe nyika kana kuti rubatsiro rwekasi-kadi sechikamu chechisarudzo chako chekushandura mabasa, saka ichocho chinhu icho kambani inofanira kuziva pamusoro pepamusoro. Mamwe mashandisi ehurumende yemakadhi ehurumende anoratidza maitiro ekuisa mubhadharo wemashoko ekunyora.
Ndinogara ndichifadzwa apo vatsva vanotaura nezvekubhadhara neni pamwe nekunyarara uye pachena. Kana mumwe munhu anondiudza kuti "akazaruka uye anoziva kuti kupa kwaunoita kuchakwanika" kana pavanondiudza kuti vari kutsvaga "mararamiro emisika" - zvinoratidza kuti havakwanise kukurukura nezvekubhadhara.
Zvinotyisa izvo vatsva vanounza kugadzirisa zvikomborero zvinowanzoguma nekuda kwekuti vanogona kutengesa ivo pachavo zvakaderera, saka vanorasikirwa nekugamuchira kuwedzera kukuru pamusoro pemari yavo yezvino, kana vanotya kutengesa ivo pachavo vakanyanya uye vova nekambani tendeuka uchiti "hatigoni kukupa".
Mhinduro yeMibvunzo Pamusoro Pokugadziriswa
Chokutanga pane zvose, tinokurudzira kuti uite basa rako rechikoro. Ita imwe tsvakurudzo yezvemari kuti uwane ruzivo rwakanyatsoratidzika pamusoro pechinei nemusika uri kubhadhara unyanzvi hwako uye nheyo. Iwe unogona kuongorora Glass Door kuti uone kana chero ruzivo rwekubhadhara ruzivo runowanika kune kambani iwe uri kubvunzurudza.
Chechipiri, zvinonyanya kukosha, iva akatendeseka. Pamusoro pezvose zvese, usaita nhamba. Ipa kuratidzwa kwakarurama kwekuripo kwamuri kupa. Kana iwe uchinetseka pamusoro pako iwe uchibhadhara zvikuru kana uchienzaniswa nemusika, taura saizvozvo. "Ndichiri kuita $ xyz asi ndinonzwa izvi zvakaderera zvichienzaniswa nevamwe vane mazera angu. Kuenderera mberi ndichave ndichitsvaga kubhadhara gore negore mu $ $. Kana iwe uri kunetseka kuti iwe uripo uri kumativi ekumusoro, iwe unogona kuita kuti mushandirwi azive kuti mukana unokosha kwauri semaripo. Kutaura "Ini zvino ndaita $$$ asi ndakagadzirisa pane zvandinowana pamari, zvichienderana nechinzvimbo uye mukana wekukura kwebasa," unoudza waanoshandisa kuti iwe hausi "wakanamatira" pakuita chiyero chakati.
Sei Vashumiri Vasingatiudze Range?
Uyu mubvunzo wandinowana kakawanda. Mhinduro yacho inobva pane iyo kambani. Kune vazhinji vemakambani andakanyorera, nzvimbo yacho inosvinudzwa pane imwe nzvimbo, asi kune zvakawanda zvakakura zvekushandura kune zvinoenderana nemutungamiri watinopedzisira tawana, uyewo kuti uyo anofananidzirwa akafananidza sei kune dzimwe nhengo dzeboka. Tinogona kuzarura chigaro nemari inotarisirwa kubhadharwa, ichiti, $ 100,000, uye tigoona kuti mukana wedu wekutsvaga ane makore matatu chete uye, kana achienzaniswa nevamwe vari muboka, anofanira kunge achingoita $ 80,000.
Pano panewo mamwe maitiro epfungwa mushure mekutadza kupa huwandu kune vanotora. Kana ndikakuudza mararamiro atinotarisira kubhadhara ari $ 60,000 kusvika $ 90,000, iwe unenge uchifunga kuti uchava $ 90,000 mubatiro, kana chokwadi chiripo kuti tinokuona se $ 65,000 mubatoti (zvakare, achienzaniswa nevamwe muboka ). Ipapo iwe unganzwa uchizvidzwa kana kuora mwoyo nokuti zvawakatarisira hazvina kugadzirirwa zvakakodzera.
Ko zvakadini nemari yekuda mari kana kuti mazororo evanhu vekare? Mamwe makambani angangoramba achikumbira kuti unyore nhoroondo yako yemari, kana kuisa mubhadharo wako mukunyora. Zvakare, ndinonyevera kuva akatendeseka mumhinduro dzako. Zviri nyore kuti uone kubhadhara kwekare uye ruzivo rwekunyengedzera kunogona kuva chikonzero chekudzivisa kupa kana kupedza basa rako (kana rakashandiswa). Kana iwe usingazivi kuti mafungiro akakodzera ndeapi ekubhadhara mubhadharo tsamba, tapota ona shanduro yemarita yekare yemhuri.