Ita Izvi, Kwete Izvo Nehovha yeHerius
Kuwana bhonasi kunogona kubvisa zvimwe zvekushungurudzika kwekushamisika kuti iwe uchabhadhara sei zvipo zvezororo asi iyo haisi iyo nzira chete yekuisa nayo kushandisa.
Kune dzimwe nzira dzakawanda dzekushandisa bhonasi yezororo, zvisinei. Nenzira yakarurama, iwe unogona kukwanisa kuwana mibairo yebhonasi yezororo gore rose. Heino nzira yekuzviita.
Shandisa Bonus Kuti Ubhadhe Chikwereti Chezororo
Makadhi-kadhi anogona kuva nzira yakanakisisa yekubhadhara hovha yekutengesa asi inogona kutungamirira kune dambudziko muNyika Idzva. Muna 2016 Kuwedzera Kuongorora Mari, vaAmerica vakawedzera pakadhi ravo rechikwereti chikwereti pamusoro pezororo vakawedzera zvavakakwereta ne $ 1,003 paavhareji.
Kana bhizinesi yako yezororo ichikwirirana ne $ 1,797 muvhareji, unogona kubvisa chikamu ichocho chekadhi rechikwereti chikwereti uye uchiri nechimwe chinhu chakasara. Kana iwe uchida kupedza bonus yezororo kune imwe nzvimbo, funga kuendesa chikwereti chako kune kadhi rine mukana wekutangira wepamusoro. Kuderedza kuwandisa kwechikwereti pane chikwereti kunogona kukuchengetedza mari, asi uchikubvumira kuti uibhadharire nokukurumidza.
Tora Catch Up Nekugara Kwekuchengetedza
Mumwe wevatatu veAmerica havana chinhu chakachengetedzwa pamusana pokurasikirwa, asi 55 muzana vane zviduku zvinodarika madhora gumi nemazana gumi nezviviri zvakasarudzwa pamakore avo apfuura.
Kana mabhadharo edzimhosva yako yekubvisa mari yakaderera pane iwe waunoda kuti vave, bhodhi yezororo ibasa guru rekuchinja icho.
Kana iwe usina kambani yekubvisa mari, somuenzaniso, unogona kushandisa bonus yezororo kuti uzarure imwe. Iwe une zvisarudzo zviviri: tsika kana Roth IRA. Neyendarama yeIRA, unogona kukwanisa kupa zvipo zvaunoita gore roga roga, kusvika kumiganhu yemugove wegore negore.
Kudzvora kunoderedza mari yako inotengesa, iyo inogona kubatsira kuderedza mutero wako wekubhadhara kana iwe uri mune yakakwirira bheji.
NeRoth IRA, hapana kubhadharwa kwezvipo asi iwe unobvumirwa kuita kuti unokwanisa kubvisa mubhadharo wemutero usingabhadhari. Izvozvo zvinogona kuva zvakakosha zvikuru kana iwe unofunga kuti uri mune imwe yepamusoro bhaketi apo iwe uchisimuka. Uye, kana iwe uri kuwana mari yakaderera ikozvino, unogona kukwanisa kuwedzerwa kubatsirwa nekutsvaga Retirement Saver's Credit apo iwe unopa Roth IRA. Zvitengo zvinoderedza mutoro wako wemitero pamadhora-ne-dollar, zvichida zvichiita kuti mubhadhare mutero wepamusoro kana kubhadharwa kukuru.
Kuvandudza Kushandiswa Kwako Kwokukurumidza
Mari inoshamisika inogona kuva yehupfumi hwehupenyu kana mari inotarisirwa ichideredza zvirongwa zvako. Asi 57 muzana yeAmerica vane mari shoma kudarika $ 1 000 mubhangi kwemvura inonaya. Kana iwe uchida kuponesa kupfuura kupedza bonus yezororo, unogona kuishandisa kuti utumidze kutanga rako rekuchengetedzeka kwekodha.
Asi ndeipi nzvimbo yakanakisisa yekuisa bhonasi? Nhoroondo yekuchengetedza nguva dzose inopa kuchengetedza uye nyore kuwana, asi mabheji emagariro anowanzopa zvikwereti zvishoma zvakaderera. Kana iwe uchida kukura mari yako nekukurumidza uye iwe haufaniri kurega kukwanisa kushanyira bazi, bhadha rekuchengetedza yakawanda kubva kubhangi rekutsvaga inogona kunge iri nani.
Ingoyeuka kuti uongorore huwandu hwekufarira, mari uye zvasarudzo zvaunayo zvekuwana mari yako yekuchengetedza pakarepo apo iwe uchida.
Tanga Imba Yako Pasi Pokubhadhara Mari
Kana kutenga imba iri mune ramangwana rako, unoda imwe mari yakawanda kuti usimbise chikamu. A big chunk pane iyo inowanikwa pamutengo wako. Mune tsvakurudzo yeZillow, zvinodarika zviviri kubva kune zvitatu zvevatengesi vanoti kusasha kwekubhadhara mari kubhadhara ndiyo yaiva chipingamupinyi chinomira munzira yekutenga imba.
Mubvunzo ndewokuti mari yakadii inoda kubhadhara? Kunyange zvazvo makumi maviri kubva muzana ndiyo inyanzvi yemabhizimisi, zvinogona kutenga imba ine zvishoma pane izvozvo. Chikwereti cheFHA, somuenzaniso, chinokubvumira kutenga ne3,5% chete yemutengo wekutenga wemusha pasi. Kwemusha we $ 200,000, ndiyo $ 7,000. Kuita bhizinesi yezororo kwekubhadhara kwekubhadhara kunogona kukuisa matanho mashomanene pedyo nekurota kwako kwekutenga imba.
Shandisa Bonus Kuti Uite Zvakanaka
Mazororo inguva yakanaka yekudzorera kune vamwe. Kana chikwereti chako chiri pasi pesimba uye mari yako iripo, iwe unogona kushandisa bhonasi yezororo nekupa kune iwe unoda rudo. Mukuwedzera pakuita zvakanaka, unogona kukwanisa kubhadhara mutero mumhando yekuderedzwa kwezvipo izvozvo. Iko Internal Revenue Service inokubvumira kubvisa zvipo zvinenge kusvika 50 muzana yemari yako yakagadziriswa yakawanikwa.
Yeuka, zvisinei, iwe unofanirwa kuti itemize kuti utsvake kuderedzwa kwekupa zvipo. Kana iwe kazhinji uchitora kubhadhara kwakakwana, iwe unogona kugadzira chipo chacho asi hapange pasina mutero unobatsira. Uyewo gara uchiyeuka kuti kana iwe uchipa bhizinesi yezororo, iwe uchada risiti yakazara kubva kusangano rauri kupa kune mitero.
Iva Murimo
Kuzvipa iwe ndiyo imwe nzira yekupedzisira yekushandisa bhonasi yezororo asi tora nguva yekufunga pamusoro peiyo inobatsira zvikuru. Iwe unogona kuenda pane imwe nzvimbo yekutengesa, somuenzaniso, asi iwe unogona kuwana mamwe maitiro kubva kubhonasi kuburikidza uchishandisa iyo kuti uwedzere ruzivo rwako rwetsika kana kuti uite bhizinesi rekuwedzera pamwe ne 9 kusvika ku 5 gig. Zvimwe, iwe unogona kuisa muhutori hwehutano kana hutambo yekugadzirira kuvandudza hutano hwako. Kufunga nezvezvinangwa zvaunoda kuzadzikisa kweNyika Idzva zvinogona kukubatsira kuti usarudze kuti zvakanaka sei kushandisa bhonasi yezororo iwe pachako.