Zvemukati
Kuroora kana kusaroora sarudzo yemunhu. Nekudaro, tichitarisa pamubhadharo unounzwa newanano, vazhinji vanosarudza kugara-mukati kana bachelorhood. Izvi hazvisi zvechokwadi zvachose. Pane mabhenefiti emari yemuchato sekunge kune rusununguko rwune chekuita nechikoro.
Zvakanyorwa pazasi ndezvimwe zvakanaka zvemuchato zvaunofanira kuziva nezvazvo.
Zvakanakira kuroora kana kuroorwa
1. Kuchengetedzwa kwevanhu munharaunda
Vakaroora kana kuroorwa vanonakidzwa nechengetedzo yemagariro.
Sa, imi mose mune kodzero yekugamuchira murume kana mukadzi anobatsirwa pamunosiya basa mose uye kana mumwe wenyu akaremara. Pamusoro peizvi, muponesi anobatsirwa anoona kuti iwe unowana mubhadharo kusvikira iwe uri mupenyu mushure mekufa kweumwe wako.
Chikamu chakanakisa ndechekuti iwe unekodzero yekuwana murume nemudzimai mabhenefiti zvisinei nekuti iwe wakashanda kana kwete. Izvo zvinongoda kuti mumwe wako ashandire kweakakura makore emakore anodikanwa kuti uwane kuroora kana kuroorwa.
2. Kuchinja kwemari
Paunenge uchingova nesosi imwe yemari, kubata mari yemhuri kunova kwakaoma. Izvi zvinowedzerwa kusvika kunyangwe uchitora chikwereti.
Paunenge wakaroora, uye vese vari kuwana, sosi yemari yakapetwa kaviri uye kuronga zvinhu zvemari zvinova nyore. Iwe unogona kutora chikwereti chakabatana, chengetedza mari yakakwana kuti ubhadhare zvikwereti zvakapfuura, kana zviripo, uye uchigona iva nemararamiro ari nani.
3. Mutero wemutero
Paunenge uchinyora masabhabha emitero, vakuru vakuru vanoona kuti vateresi vemhuri yepasi kana vepakati havana kuremerwa nemitero yakawanda. Nekudaro, iwe unowana mabhenefiti kana iwe wakaroora.
Mune izvi, mhuri dzinowana-imwechete dzinogona kunakidzwa nebhenefiti sezvo mari iripasi pebhureki remutero. Saizvozvo, mhuri dzinowana-mbiri dzinogona kukohwa mabhonasi kuitira kana mutsauko mubhadharo uri wehukuru hwakanaka.
3. Kuchengetedzwa kwemari
Takakurukura pamusoro pekuti vakaroora vanogona sei kunakidzwa nerubatsiro rwemagariro musiyano nevanhu vasina kuroora. Saizvozvo, kana iwe wakaroora, iwe unakidzwe nekuchengetedzeka kwemari naizvo.
Semuenzaniso - Ngatifungei kuti imi mose muri kushanda. Mumamiriro ezvinhu akadaro, haufanire kunetseka nezvemari zvachose, kunyangwe kana mumwe wenyu ari pakati pemabasa. Iko kunogara kune kumwe kuyerera kwemari mumba.
Kune vanhu vasina murume, ivo vanofanirwa kunetseka nezve zvinhu kana ivo vari pakati pemabasa. Mumba mavo, vanofanirwa kubata mari yavo vega.
4. Kuchengeta
Kana iwe uchifananidza kuponeswa kwebhacara uye vaviri vakaroora, iwe unozoona kuti vakaroora vanokwanisa chengetedza zvimwe zuva nezuva kupfuura bachelors.
Icho chikonzero zvakare zvakare sosi imwechete yemari. Kunyangwe iwe uri wega-anotambira mumhuri yako, iwe unogona kunakidzwa neimwe mutero mabhenefiti ayo anozokubatsira iwe kuchengetedza zvimwe. Iyi yekuchengetedza gare gare account kune hombe huwandu.
5. Kuregererwa mutero panhaka
Kana iwe usina kuroora uye iwe uchigara nhaka yeimba, iwe unofanirwa kupa yakakura mari kune IRS. Mari yacho inosvika ku40%. Nekudaro, mamiriro acho akasiyana kana iwe wakaroora.
Vakaroora kana kuroorwa vanowana vanobvisirwa muganho mari yewanano nemari kana pfuma yavanotora kubva kune vavakaroorana navo. Zvakare, kuve wakaroora zvinoreva zvakare kuti iwe unogona kusiira yakawanda yakawanda sezvaunoda kuzvizvarwa zvako zvemberi, kunyanya kana mumwe wako akaroora basa rekuvaka iro hupfumi.
Iyi ndeimwe yeiyo mari yemuchato.
6. Kufaira mitero
Kutaura nezve mabhenefiti emitero ekuroora, imi mese munogona kuisa pamwechete mitero yenyu. Kana imi mose muchiwana saka nekunyora mutero zvakasiyana iwe unozopedzisira wabhadhara mutero wakakwira. Nekudaro, kana imi mese mafaera pamwe chete, maizobhadhara mutero wakaderera.
Zvimwechetezvo, kana iwe uine mumwe-anoshanda mumba, uye mari yacho yakakwira, zvine hungwaru kubhadhara mubhadharo mutero kuti unakirwe nerubatsiro rwemutero.
7. Kubatsirwa zviri pamutemo
Bachelors vane dambudziko rekuisa padyo nehama kana paine chero emergency. Nekudaro, vaviri vakaroorana vanogona kuchengeterana pedyo nehama panguva yepamutemo kana yekurapa emergency. Izvi zvinobatsira kuita kuti idzi sarudzo dzive nani uye nekukurumidza.
Semuenzaniso - Wawakaroora anogona kukwidza nyaya achipokana nechiremera chekufa zvisirizvo kweumwe wavo. Saizvozvo, mukwanyina anogona kutora zvese zviri pamutemo kana zvekurapa zvisarudzo kune mumwe wake.
8. Nzira yekurega basa
Kana mumwe munhu akasiya account yavo yekurega basa kana IRA kune asina kuroora, ivo vane zvimwe zvinorambidzwa nekubvisa uye ivo vanofanirwa kubhadhara mitero.
Izvi hazvishande kana vakasiya account yavo kune vavakaroorana navo. Pano, murume kana mukadzi ane rusununguko rwekuumburura nhoroondo dzakagarwa nhaka mukati mavo votorera sekugona kwavo.
9. Inishuwarenzi yehutano
Vakaroorana vanogona kushandisa inishuwarenzi yehutano yeumwe neumwe kana paine chero emergency. Izvi hazvigoneke kana iwe uri bachelor. Iwe, mune yakadaro kesi, unogona chete kushandisa yako wega inishuwarenzi yehutano.
Kune vaviri vakaroorana, izvi zvinobatsira kana mumwe wevakabatana asiri kushanda kana asingatore inishuwarenzi yehutano kubva kukambani yavo.
10. Kubatsirwa mupfungwa
Chekupedzisira, kana tangokurukura mabhenefiti ese emari yekuroora, ngatikurukurei kubatsirwa kwepamoyo.
Vakaroorana, sekutaura kwakasiyana siyana, vane hupenyu hwakagwinya uye hwakareba. Ivo vane mumwe nemumwe kutsigira panguva dzakaipa dzinozopedzisira dzavapa rugare rwepfungwa. Nekudaro, izvi zvinhu hazvigoneke kana iwe uri bachelor.
Hauna munhu waunofamba naye kutarisira kutsigirwa mupfungwa kana kwemari, panguva ipi neipi yenguva muhupenyu. Izvi zvinokanganisa hutano hwepfungwa nemuviri.