Vamwe Vashandi Vari Kuenderera Mberi Kubatsira Vashandi Vanobhadhara Kubhadhara Mari dzevadzidzi
Maererano neakawanda ra2015 data, chikwereti chemari chikwereti chakawana $ 1.2 trillion muU.SA chete. Imwe nyanzvi yeCNN yakataura kuti, "Zvikwereti zvevadzidzi zvakawedzera ne 84% kubva pakuderera (kubva muna 2008 kusvika muna 2014) uye ndiyo chete nzira yemutengi wevatengi isingaderedzi, maererano neongororo yakabva kuna Experian [credit credit agency], iyo yakarongedza mafambiro echikwereti evadzidzi kubva muna 2008 kusvika muna 2014 ". Izvi zvinokwereta chikwereti uye kukumanikidzwa kwekubhadhara kukuru kwemwedzi kunotora inorambidza vanhu vanenge mamiriyoni makumi mana munyika yose, vazhinji vevaya vanoshandira kutsigira mhuri uye kuchengetedza chikoro chavo chikoro.
Vashandi vako vari pasi pedambudziko kubva kune chikwereti chemari chikwereti
Mikana ndeyekuti, chikamu chikuru chemazuva ako (ikozvino uye ramangwana) aripo ari kutambura mune imwe nzira ne chikwereti chechikwereti chevadzidzi. Saka, zvichibvira zvakabatsirika izvo makambani anofanirwa kufungisisa ndeaya ekutsigirwa kwekweretesa kwevadzidzi.
Chidzidzo chaJuly 2015 kubva kuIontuition, inozivikanwa yekugadzirisa mupiro wevakweretesa vechikwereti vechikoro, yakaratidza data inotevera inofadza:
- 75 muzana yevana chikwereti chikwereti chikwereti chevakwereti vakati vangada kushanda kune kambani inopa rubatsiro rwekubhadhara chikwereti chevadzidzi, kusanganisira zvipo zvinowirirana uye zvigadzirwa zvekubhadhara chikwereti.
- 55 muzana yevanhu ava vanotiwo vanozofarira kuona michina yehutano yevashandi ichienda kune kubhadhara chikwereti chikwereti chevadzidzi.
- 49 muzana vangada mari yekubhadhara chikwereti chevadzidzi kuchipo chekuchengetedza mari, sezvakaitwa 401 (k) s
Vashandi vechidiki avo vatsva kunze kwekoroji vanotarisana nechinetso chakakura apo vachibhadhara chikwereti chikwereti chevadzidzi.
Zvinosuruvarisa kuti ivo vanotora pamba mari inenge isingatauri zvakakwana kuti vawane mari yekubhadhara uye mari yekugara, saka vazhinji vanomanikidzwa kugara nevabereki kusvikira vatanga kuwana mamwe. Kunyange vashandi vari pakati pevashandi vari kutambura kubhadhara chikwereti chevadzidzi apo vari kuedzawo kurera vana, kutenga dzimba, uye kutsigira vabereki vakwegura.
Iko kusingagumi-kunoguma kunotyisa kunotenderera uko vanhu vakawandawo vanotarisana zuva rega rega-kuchinja basa ravo rekuita uye zvimwe zvikamu zvehupenyu hwavo.
Vangani vashandisi varipo panguva ino vachipa rubatsiro rwekubhadhara chikwereti chevadzidzi?
Sangano reHuman Resource Management (SHRM) rakarayira kuti 3 muzana chete yevashandi chaizvoizvo vanopa rudzi rwemari yekubhadhara chikwereti chevadzidzi kune vashandi, uye chete ivo vanenge 1 muzana yevashandi varonga kupa chipo ichi munguva ichangopfuura. Panguva imwecheteyo, SHRM inoshuma kuti chikwereti chevadzidzi chikakonzera kushanda kwevashandi. A 2015 Inonzi Value Water Cooper House (PWCH) inoratidza kuti, "20 muzana yevashandi vanovhiringidzwa zuva rega rega nemari yavo uye 37 muzana vanopedza maawa matatu kana kupfuura pavhiki vachifunganya nezvemari yavo pachavo."
Kutsigira mushandi wehutano hwakanaka nemari yekubhadhara chikwereti chevadzidzi
Kana kambani inoda kukwezva vashandi vakasimba uye kuvandudza hutano hwehuwandu, inogona kuita nyore nyore kubhadhara chikwereti chevadzidzi. Ipai vashandi sarudzo yekuve nekambani yakaenzana nemadhora nokuda kwerongwa hwekubvisa basa kana chirongwa chokubhadhara chikwereti chemudzidzi. Vanokwanisa kugovera ivo pachavo ivo vasati vabhadhara madhora kana vachida kuronga basa rekurega basa. Mwedzi woga woga, kuripa chikamu chemukwereti wechikwereti chemudzidzi nekubhadhara zvakananga kune sangano rinobudisa.
Ipai vashandi vose kuwana mari yekushandisa mari yekuvabatsira kugadzirisa mararamiro avo, akadai seStartDollar, iyo inogona kuvabatsira nekudzoka kune imwe nzira nemitemo yakasimba yemari. Shandisa dzidzo kubatsira vashandi kuchengetedza chikwereti chevadzidzi vavo kunze kwekuregererwa uye kusina. Kana vashandi vari kutarisana nezvishongedzo zvichibva kune zvakashata, kupa ruzivo rwekupa mazano uye mari yezvavanoda kuti vaite kuti vadzoserwe kumamiriro ekubhadhara.
Sezvo chikamu chekubatsira kwako kose, sanganisira mashoko aya pamusoro pemari yemitemo. Ipa chirevo chegore negore chinoratidza mari inobhadharwa kune chikwereti chemari chikwereti.