Nzira Yokuita Nayo Nyaya Yekubhadhara Kwako

Paunowana mubhadharo wako wokutanga unogona kushamisika kuti chii chiri kutorwa kunze kwemitero. Sezvo musikana asina kuroorwa ari oga, iwe uri pakushata kana zvichiuya kumitero. Iwe uchange uine zvishoma zvishoma kudarika vanhu ivavo vakaroorana uye vane vana vanoita. Kana iwe usiri weimba, iwe hauzove nemabhadharo iwayo kana. Kana iwe uri mubhaketi yakakwirira yepamusoro, unogona kushamiswa kuona kuti mari iripi ichabhadhara imwe neimwe yekubhadhara.

Iwe unogona kushandisa zvakanyanya mari yako yekubhadhara nekushandisa zvakashandiswa nevashandi zvinopiwa neunoshandira.

Kuderedza Mari Yenyu Inotengeswa Nokunyora Kuzvibatsira

Kana iwe ukasainira kubhadharo inopiwa neunoshandira, iwe unogona kuderedza mari yako inotengesa uye kuita kuti madhora ako atambanudzire mberi. Zvakakosha kunyatsoongorora zvauri kunyora uye kuti zvingakanganisa sei mifananidzo yako yemitero. Iwe unogona kushamisika pane zvaunowana. Zvinhu zvakadai seinishuwarenzi yehutano, zvipo zvekurega basa, uye kushandiswa kwemari kushandiswa kwekodha kunogona kubatsira kuderedza mari yako inotengesa. Kana iwe ukashandisa mukana wemushandi wako, iwe unogona kuwedzera michero yako yekusunungurwa usingabhadharwi. Zvimwe zvikomborero zvakadai sokutenga kuderedzwa-kukodha bhazi yebhasi haisi mutero kunobviswa. Iwe unogona kutarisa nehupenyu hwako hwehupfumi kuti uone kuti avo vamunofunga ndewemari inotorwa. Zvakakosha kudzokorora zvibatsiro zvako gore roga roga panguva yekunyora pachena kana mamiriro ako akachinja.

Verengera Zvaunodzivirira Kuti Uone Kuponesa Kwako

Sezvaunofunga kuti ndezvipi zvikomborero zvekunyora, iwe unganzwa kuti iwe haugoni kuwana zvose. Zvisinei, kana iwe uchitarisa nebhadhadziro yekubhadhara, unogona kushamisika kuona kuti mari yako yemainishuwarenzi nemipiro ye 401K chaizvoizvo haibatsiri mubhadharo wako nezvakawanda.

Izvi ndezvokuti mari yaunokweretwa inoderedza, uye naizvozvo mutero waunobhadhara unodererawo.

Tora Kubatsira Kwezvipo Zvako Kuwedzera Kuponesa Kwako

Kana iwe ukanyora zvinyorwa zvezvibatsiro, iva nechokwadi chekushandisa zvakanakisa kwavari. Inishuwarenzi yemaziso inogona kuva yakanaka, asi kana usingamboiti, uri kungosiya mari kure. Saizvozvowo, iwe unofanirwa kuve nechokwadi chokuti iwe unoshandisa mari yose mubhuku rako rekushandisa kushandiswa . Izvi zvinogona kuva zvinonyangadza nokuti unofanirwa kuenzanisa mari iyo yaunofanira kunge yakadzivisa mwedzi wose waunoshandisa. Kana iwe usingashandisi mari gore iroro, iwe ucharasikirwa nayo.

Shandisa Mushandi Wako Kufananidza Kuwedzera Kurasikirwa Kwemari

Imwe yenzira dzakanakisisa dzekutambanudza mari yako yekubhadhara ndeyokuwana mari yakawedzerwa iyo waunoshandira achakupa maakaunti ako epamberi panzvimbo yako. Kazhinji izvi zvinowirirana nemari, saka iwe unofanira kunge uchipa kune yako 401 (k) kuitira kuti ugamuchire. Semuenzaniso, kana iwe uine mukana wevashandi kusvika kusvika pamatatu muzana yemari yako, mushandi wako achapa mamwe mazana matatu paunenge uchiita. Izvi zvinounza zvipo zvako zvose kusvika pamatanhatu emari yemari yako yaunowana, uye inenge iri mari isina mari. Vamwe vashandi vane mikana yakawanda uye vanogona kusvika kusvika kuzana kubva muzana, izvo zvinogona kureva nemupiro wako iwe uchava nechikamu chegumi nemaviri kubva pamapato chakakonzera ku 401 (k) yako.

Dzimwe Nzira dzekutambisa Paycheck Yako

1. Iwe unogona kumira kurarama kubva pamari yekubhadhara kubhadhara nekuisa bhajeti uye kuchengetedza mari mwedzi mumwe nomumwe. Gadzira chikwata chekutsvaga, uye shanda kubhadhara chikwereti nekukurumidza sezvaungagona. Nzira dzezvemari dzamunogadza iye zvino dzichakubatsira iwe munguva yemberi. Kana iwe uri kubhadharwa nebhadhiro yebhadharo yakabhadharwa, ungasanganawo nemari yakavanzwa inosangana nekadhi, uye inonyanya kukosha kuronga mari yako.

2. Isa chikwangwani chenhoroondo yako yekusunungura pakarepo paunenge wakakodzera. Iyi ndiyo imwe tsika ichakubatsira munguva yemberi. Iwe unogonawo kutanga kugovera kune IRA kana iwe usingakwanisi kubhadharwa nekambani yepamberi kuburikidza nemushandi wako. Zvakakosha kutanga uchingobatsira kubhadhara mari kuitira kuti iwe ugone kusununguka zvakanaka. Kana iwe uchitanga kuisa mari yekurasikirwa nokukurumidza paunotanga kushanda, iwe unogona kukwanisa kuchengeta mari yakakwana yekurega basa. Edza kuwedzera mari yako kusvika kune gumi nemashanu kubva muzana yemari yako. Iwe unogona kuita izvi apo iwe unowana kusimudzira kuti zvive nyore kusvika pachinangwa ichocho.

1. Kana basa rako idzva richipa mabhonasi , haufaniri kuisanganisira mubhajheji yako. mabhonasi anogona kuchinja kubva pakona kusvika kune imwe, uye iwe ungasagamuchira bhonasi gore rega rega. Pane kudaro, iwe unofanirwa kuita sarudzo yekushandisa bhajeti yako yebhonasi yako nekuishandisa kuti ikubatsire kuzadzisa zvinangwa zvako zvemari nokukurumidza. Mabhonasi ako anogona kukubatsira kuti ubve pane chikwereti kana kuchengetedza kubhadhara kweimba yako nokukurumidza.

2. Kubuda muchikwereti kuchawedzera kuti iwe unogona kuita sei nekutora iwe kumusha kubhadhara. Kana iwe uri kugara uchinetseka kuti uwane hupenyu huripo kana kuti unoda mamwe mashandiro ekushandisa simba, kuderedza kusungirirwa kwako kwemwedzi, sekubhadhara chikwereti, uchaita izvozvo. Tora nguva ikozvino kuti ugadzire bhajeti inokupa mari yakawedzerwa kuisa kune chirongwa chekubhadhara chikwereti chako. Nokukurumidza iwe uine chikwereti pasina, nokukurumidza iwe uchakwanisa kusvika kune zvimwe zvinangwa zvemari.