Zamkati
Kukwatira kapena kusakwatira ndi chisankho chaumwini. Komabe, poyang'ana ndalama zomwe banja limabweretsa, ambiri amasankha kukhala moyo kapena mwayi wopezera ndalama. Izi sizowona kwathunthu. Pali maubwino azachuma okwatirana ngati pali ufulu wokhudzana ndi bachelor.
M'munsimu muli zina mwa zabwino zaukwati zomwe muyenera kudziwa.
Ubwino wokwatira
1. Mapindu otetezera anthu
Anthu okwatirana amasangalala ndi madandaulo ena.
Monga, nonse muli ndi ufulu wolandila okwatirana apindule pamene nonse mupuma pantchito komanso ngati mmodzi wa inu ali wolumala. Kuphatikiza pa izi, omwe amapulumuka amaonetsetsa kuti mumalandila malipirowo mpaka pomwe muli ndi moyo atamwalira mnzanu.
Gawo labwino kwambiri ndiloti muli ndi mwayi wopindula ndi okwatirana mosasamala kanthu kuti mwagwira ntchito kapena ayi. Zimangofunika kuti mnzanu wagwira ntchito kwa zaka zochuluka zomwe zimafunikira kuti mupindule ndi okwatirana.
2. Kusintha kwachuma
Mukakhala ndi gwero limodzi lokha lopezera ndalama, kusamalira ndalama zapakhomo kumakhala kovuta. Izi zimawonjezeredwa ngakhale pomwe mutenga ngongole.
Mukakwatirana, ndipo onse awiri akupeza, gwero la ndalama limachulukitsidwa ndipo kusanja zinthu zachuma kumakhala kosavuta. Mutha kutenga ngongole yothandizana, sungani ndalama zokwanira kubweza ngongole zam'mbuyomu, ngati zilipo, ndipo mungathe khalani ndi moyo wabwino.
3. Mapindu amisonkho
Polemba ma slabs amisonkho, akuluakulu amawonetsetsa kuti okhomera misonkho apabanja otsika kapena apakati salemedwa ndi misonkho yambiri. Chifukwa chake, mumapindula ngati muli pabanja.
Pachifukwachi, mabanja omwe ali ndi ndalama limodzi atha kusangalala ndi phindu chifukwa ndalama zomwe zimakhala ndizochepera msonkho. Momwemonso, mabanja omwe ali ndi ndalama ziwiri atha kukolola ma bonasi ngati kusiyana komwe kulipo kungakhale kokulira.
3. Chitetezo chachuma
Tidakambirana pamwambapa momwe maanja angakhalire ndi mwayi wachitetezo chachitetezo chotsutsana ndi anthu osakwatira. Momwemonso, mukakwatirana, inu amasangalala ndi chuma komanso.
Mwachitsanzo - Tiyerekeze kuti nonse mukugwira ntchito. Zikatero, simuyenera kuda nkhawa za ndalama konse, ngakhale mmodzi wa inu ali pakati pa ntchitoyo. Nthawi zonse mumakhala ndalama m'nyumba.
Kwa anthu osakwatira, ayenera kuda nkhawa ndi zinthu ngati ali pakati pa ntchito. M'banja mwawo, amayenera kuyang'anira ndalama zawo pawokha.
4. Kusunga
Ngati mungayerekezere kupulumutsa kwa bachelor ndi okwatirana, mudzawona kuti okwatirana angathe sungani zambiri tsiku lililonse kuposa mabakiteriya.
Chifukwa chake chilinso njira imodzi yopezera ndalama. Ngakhale mutakhala kuti mumalandira ndalama zokha m'banja lanu, mungasangalale ndi misonkho yomwe ingakuthandizeni kuti musunge zambiri. Zosungidwa izi pambuyo pake zimakhala zazikulu.
5. Kuchotsera msonkho pa cholowa
Ngati simuli pabanja ndipo mulandila chuma, muyenera kupereka ndalama zochuluka ku IRS. Ndalamazo zimakhala 40%. Komabe, zomwe zikuchitika ndizosiyana ngati muli pabanja.
Anthu okwatirana amachotserana malire ku ndalama kapena malo omwe amalandila kuchokera kwa wokondedwa wawo. Kuphatikiza apo, kukwatiwa kumatanthauzanso kuti mutha kusiya ndalama zochulukirapo pamibadwo yanu yamtsogolo, makamaka ngati wokwatirana m'modzi adatenga udindo wopanga chumacho.
Ichi ndi chimodzi mwazina za ndalama zaukwati.
6. Kulipira misonkho
Polankhula za phindu la misonkho chifukwa chokwatirana, nonse mutha kupereka misonkho palimodzi. Ngati nonse mumalandira ndiye kuti mumapereka msonkho padera mutha kumalipira msonkho wapamwamba. Komabe, ngati nonse mulembera limodzi, mumalipira msonkho wochepa.
Momwemonso, ngati muli ndi wolandila m'modzi mnyumba, ndipo ndalama ndizochuluka, ndibwino kulipira misonkho palimodzi kuti musangalale ndi phindu la misonkho.
7. Phindu lalamulo
Ophunzira amakhala ndi vuto kuyika pafupi ndi abale awo pakagwa vuto lina lililonse. Komabe, anthu okwatirana amatha kuyandikana pafupi ndi achibale pakagwa zamalamulo kapena zamankhwala. Izi zithandiza kuti zisankhozi zizikhala bwino komanso mwachangu.
Mwachitsanzo - Mwamuna kapena mkazi akhoza kulemba mlandu motsutsana ndi olamulira chifukwa cha imfa yolakwika ya wokondedwa wawo. Momwemonso, wokwatirana angathe kutenga zisankho zonse zalamulo kapena zamankhwala m'malo mwa mnzake.
8. Njira yopuma pantchito
Wina akasiya akaunti yake yopuma pantchito kapena IRA kupita kwa wosakwatirana naye, amakhala ndi zoletsa zina pochepetsa ndalama komanso ayenera kulipira misonkho.
Izi sizigwira ntchito ngati amasiyira okondedwa awo akaunti yawo. Apa, wokwatirana ali ndi ufulu woloza maakaunti obadwa nawo mwa iwo okha ndikuchoka malinga ndi momwe angathere.
9. Mapindu a inshuwaransi yazaumoyo
Anthu okwatirana angagwiritse ntchito inshuwaransi ya wina ndi mnzake pakagwa vuto lina lililonse. Izi sizotheka ngati ndinu bachelor. Momwemonso, mutha kugwiritsa ntchito inshuwaransi yanu yokha.
Kwa anthu okwatirana, izi ndizopindulitsa ngati m'modzi mwa iwo sakugwira ntchito kapena sakupeza inshuwaransi yazaumoyo ku kampani yawo.
10. Kupindula m'maganizo
Pomaliza, tikakambirana maubwino onse azachuma m'banja, tiyeni tikambirane maubwino am'malingaliro.
Anthu okwatirana, malinga ndi malipoti osiyanasiyana, amakhala ndi moyo wathanzi komanso wautali. Amathandizana panthawi yamavuto yomwe pamapeto pake imawapatsa mtendere wamumtima. Komabe, izi sizingatheke mukakhala bachelor.
Mulibe aliyense amene mungakhale naye kuyembekezerani kuthandizidwa kapena ndalama, nthawi iliyonse m'moyo. Izi zimakhudzadi thanzi lathunthu lamaganizidwe ndi thupi.