Mortgage inofanira kubhadharwa pazera ripi?
Di Johnson munguva yakapfuura akawana mari yekutsvagisa kubva kuFinancial Planning Education Council (FPEC), uye akabatsira kumapurojekiti akatsigirwa zvishoma kana kutsigirwa nevanoshanda navo muindasitiri yekuronga mari. Ndiye Shamwari yeChikoro cheDzidzo yepamusoro, Mudzidzi weFinancial Planning Association (FPA), Shamwari yeFPEC (Australia), US Academy of Financial Services (AFS) neAmerican Economics Society. Australia (ESA) , kusanganisira iyo Women in Economics Network (WEN). Ichi chinyorwa chikamu chenhevedzano yezvemari nehupfumi dzidzo inotsigirwa neEcstra Foundation.
Kana mari yako yekukurumidzira ichiita seyakanaka uye uine yakakwana yekukuvharira kwemwedzi mitatu kusvika mitanhatu kana ukarasikirwa nebasa rako, mubvunzo wekutora imba kana pamudyandigere isarudzo yakanaka yekufungisisa. Hapana mhinduro imwechete kune wese.
Pakutanga kuona, kune nharo dzinokurudzira dzekuunganidza kurega basa; unogona kutora mukana wemashiripiti emubereko wemukomboni (uye pamwe mamwe mareti emutero zvakare), zvese nepo mareti embavha ari pasi.
Calculator kubhadhara chikwereti kana kuchengetedza pamudyandigere
Lindsay VanSomeren inyanzvi yekadhi rechikwereti, yekubhengi, uye kiredhiti ine zvinyorwa zvinopa vaverengi tsvakiridzo yakadzama uye zano rinoshanda rinogona kubatsira vatengi kuita sarudzo dzakangwara pamusoro pezvigadzirwa zvemari. Basa rake rakaratidzwa panzvimbo dzine mukurumbira dzemari dzakadai seForbes Advisor uye Northwestern Mutual.
Doretha Clemons, Ph.D., MBA, PMP, anga ari mukuru weIT uye mudzidzisi kwemakore makumi matatu nemana. Iye adjunct purofesa kuConnecticut State Colleges nemaYunivhesiti, Maryville University, uye Indiana Wesleyan University. Iye anodyara zvivakwa uye director weBruised Reed Housing Real Estate Trust, uye ane rezinesi rekuvandudza imba kubva kuHurumende yeConnecticut.
Saka wazviitira mari shoma. Makorokoto. Zvino iwe unogona kunge uchinetseka kuti ndeipi yakanyanya kushandiswa yaunogona kupa. Kana iwe uri kutoita zvakanaka pazvinangwa zvako zvekukurumidza zvemari, sekuchengetedza njodzi, mubhadharo wemari yembavha inogona kunge iri zano rakanaka.
Kubhadhara chitsama nguva dzose kunokuchengetedza mari pamubereko. Uye, zvichienderana nemaitirwo aunoita, mubhadharo ungapfupisa nguva yaunotora kubhadhara chikwereti chako kana kuderedza huwandu hwekubhadhara kwako pamwedzi.
Bvisa pension kubhadhara chikwereti
Kuedza kusarudza pakati pekubvisa chikwereti kana kuisa mari kune ramangwana isarudzo yakaoma. Kumhuri dzakawanda, sarudzo iyi inowanzouya nenzira yekubhadhara imba (chikwereti chikuru chavangave nacho) kana kuchengetedza pamudyandigere. Zvese zviri zviviri zvinangwa zvinorumbidzwa, asi ndezvipi zvinofanirwa kuuya pekutanga?
Ngatitii wasvika padanho rekupedzisira remba yawakatora makore apfuura. Yave iri mugwagwa wakareba, uye anoedzwa kuti abhadhare muchikamu chekupedzisira uye pakupedzisira asava nechikwereti, kana kuti akurumidze kubhadhara zvishoma kuti zviitwe nekukurumidza.
Kunyange zvazvo zvingaita sezvichida kubhadhara chikwereti pedyo nekuguma, zviri nani kuzviita kare. Kunyangwe iwe uchiita mubhadharo wakafanana mwedzi wega wega (uchifunga kuti une chirevo chemakore makumi matatu ekugadzirisa chikwereti), mari yako yakawanda mumakore ekutanga inoenda kune mubereko uye inoita zvishoma kuderedza mukuru wechikwereti.
Saka kana iwe ukawedzera kubhadhara mberi-uye kuderedza mukuru wepamusoro painobhadharwa-iwe unogona kubhadhara zvishoma mubereko pamusoro pehupenyu hwechikwereti. Misimboti yakafanana yekubatanidza iyo inoshanda kune yako yekuisa mari inoshandawo kune yako chikwereti, saka nekubhadhara zvimwe zvemukuru kumberi, iyo savings compound nekufamba kwenguva.
Sei usingambofi wakabhadhara chikwereti chako
Pane mimwe mibvunzo inonzwisisika inogona kuuya kana uchironga zvekurega basa: Zvine musoro here kuchengetedza mari muhurongwa hwekurega basa hunotsigirwa nekambani, se 401 (k), uchiitawo mari yakawanda yekubhadhara mari pamwedzi? Zvingave zviri nani here, mukufamba kwenguva, kushandisa mari yakachengetedzwa yeretirement kubhadhara chikwereti chemba? Nenzira iyo, iwe unoderedza zvakanyanya mari yako yemwedzi wega wega usati wasiya basa uye yenguva dzose mubhadharo kumashure.
Hapana mhinduro imwe chete yekuti kuchenjera here kubhadhara chibatiso usati waenda pamudyandigere. Mabhenefiti anoenderana nemamiriro ako emari uye zvaunokoshesa. Nekudaro, heino pfupiso yezvakanakira uye (zvinomanikidza) zvakaipa zvekufamba uku kuti ikubatsire kusarudza kana zvine musoro kwauri.
Kune vatengesi vaduku, kubvisa mari yekubhadhara mari yemwedzi nekushandisa 401 (k) pfuma inosunungura mari inogona kushandiswa kune zvimwe zvinangwa zvemari, zvakadai sekubhadhara mari yekoroji yemwana kana kutenga nzvimbo yezororo. Nenguva kudivi ravo, vashandi vadiki vanewo kugona kwakaringana kudzoreredza kubviswa kubva pamari yekurega mu401 (k) mukati memakore avo ekushanda.
