Table of Contents

Wakapedza makore gumi namaviri mukufunda kuziva mitochondria, pedza nhamba zera rena, uye nzvera Shakespeare(zvinokosha zvose munzira yavo vamene. Asi ipapo wakapedza kufunda, wawana cheki yemari chaiyo, uye wakatariswa muvhiringidziko pamari dzemari. Wakagamuchira madai edare redare uye hauna kuziva kana waigona kurifuratira. Wakanzwa vezvamatongerwe enyika kurukurirano "mabhuroko" uye "zvisungo zvechimubageri" uye wakaziva kuti hauna kuziva kuti vairevai. Kugamuchira mukara wedzidzo inoshanda [[[FLT:]]] [FLT]]]

Iyi haisati iri mhaka yako. Dzidzo yeAmerica inoisa nzvimbo dzapakoreji gadziriro pamusoro poupenyu, zivo isina mufungo pamusoro pounyanzvi hunoshanda. Nepo dzimwe nyika dzichiraira kurava nokunyora mari nedzidzo yehurumende, vadzidzi vazhinji veU.S. vakapedza kudzidza vasingakwanisi kunyora mitero, kutanga mabhajeti, kana kuti kunzwisisa kuti hurumende yomunzvimbomo inotapura sei rendi yavo. Iyi nhungamiro ine rendi inozadza nzvimbo idzodzo, ichigovera zivo chaiyoiyo [ pamusoro pemitero, bhajekedzo, uye magariro izvo chikoro chapamusoro chinofanira kuva chadzidzisa.

Chikamu 1: Mitero - Urongwa Husina Munhu Akatsanangura

Kunzwisisa Mubhadharo Wako: Chikonzero Nei Uri Mushoma Kupfuura Zvawaikarira

Mari iyoyo yokutanga inovhundutsa() yakaendepi? Hechino chiri kuitika chaizvoizvo:

[[[FOL:0] Kubhadharisa Mutero kudzosa[[FL:1] Mushandirwi wako anofungidzira mutero wako wegore negore ndokuubvisa munyu. Izvi hazvisi zvisina donzo (kwakavakirwa pa:

  • Chimiro W - 4 chawazadza (zvimwe usingachinzwisisi)
  • Nzvimbo yako yokuviga (kusaroora, akaroora, musoro wemba)
  • Nhamba yemari yakataurwa
  • Kuderedza zvinhu kana kuti kufungidzira kunoitwa

[ Njere huru: Unogona kugadziridza W-4 panguva ipi neipi. Zvakawanda zvakanyimwa here? Uri kupa hurumende chikwereti chemari isina mubereko. Kunyanyova shoma? Uchava nechikwereti chemari muna April.

FICA: Mishonga isingachinji

  • Sacial Security: 6,2% yemari yako (kusvikira ku $160 200 muna 2023)
  • [Medicare: 1.45% yemari yose inowanwa (haipo kepisi)
  • Addital Medicare[[FL:1]: 0.9% pamari inowanwa inopfuura $200,000 [Z $550 000]

Mushandirwi wako anowirirana nemipiro iyi, zvinopeta zvinopetazve mari mubetsero dzako dzenguva yemberi. Kuzvishandira umene? Unobhadhara zvikamu zvose zviri zviviri (Kushamiswa kwebasa rako umene").

[ Chikamu neMitero yomunzvimbomo[

  • Nyika dzine mutero wemari yemari : Alaska, Florida, Nevada, New Hampshire, South Dakota, Tennessee, Texas, Washington, Wyoming
  • Mamwe maguta anowedzera [: Vagari veguta reNew York vanobhadhara mubatanidzwa, nyika, uye mutero wemari yomuguta
  • [ Kugara mune imwe nyika, kushanda mune imwe? Ungava nechikwereti chezvose zviri zviviri

Mashandiro Anoita Mitero

Kusanzwisisana kukurusa kwemitero: [[FLT: 0] marginal v. Mwero yemitero inobudirira.

Nhema [: "Kana ndikawana rimwe dola, ndichasvetukira muboka rakakwirira ndokutora mari shoma kumusha.

[ Zvomene: Mabhurakiti eMitero ari murutivi() bedzi mari iri mukati mebhurakeri rimwe nerimwe inobhadharwa pamwero iwoyo.

Muenzaniso we 2024 webhora rekushevedza:

  • Kutanga $11 000: 10%
  • $11 001 kusvika ku $44 725: 12%
  • $44 726 kusvika ku $95 375: 22%
  • Uye zvichingodaro...

Kana uchiwana $50 000:

  • Kutanga $11 000 inobhadharwa pa 10% = $1 100
  • Tevere $3 733 000 inotereswa pa 12% = $4 047
  • Z $5 285 yakabhadharwa 22% = $1160
  • Mutero wose = $6 307 (mwero unoshanda: 12,6%, kwete 22%)

Nei izvi zvinhu : Usaramba kukwidza kana kuti kutamba kwomuraudzo kunotya. Nguva dzose unochengeta yakawanda yemari inotambira.

Mitero Inovirisa: Kutsinhirana Kwegore Negore

Chinoreva "Chokwadi"[ Hausati uchitera mitero apo unogadzira faira (8]) uri kuyanana nezvawakatobhadhara kupfurikidza nokunyima chaune chikwereti chaizvoizvo.

[[[FAMU] Muitiro unokosha[:

  1. [[FORN:0] Magwaro echiNgezi[ (W-2, 1099, marisiti)
  2. verenga mari yose yaunowana (mazai, fariro, basa)
  3. shaviro dzakatsaurwa (yatinoshandira kana kuti yakarongwa)
  4. shandisa zvikwereti (mutero wedola redhora)
  5. [[FFT:0] Kuenzanisa nokunyima (iforesa kana kuti muripo)

-Explorence v.

  • Kurevesa (2024): $13 850, $27,700 yakaroomana pamwe chete
  • yakaiswa pa': faciro yemari, Hurumende/nzvimbo yakaiswa pa $10 000), mipiro yorupo, ndyiko dzezvokurapa dzinopfuura 7,5% dzemari inowanwa

Vanhu vakawanda (nenge 90%) vanobvuma kuderedza mitero inodzorwa kubva pakatanga kuchinjwa mutero wa2017, yakapetwa kanenge kaviri.

[Ichikwereti chemari inonyorwa. Mifungo

  • [ Throvisi inoderedza mari inobhadharwa (inoita kuti uwane mwero wako womucheto)
  • Arekosta inoderedza chikwereti chomutero chedhora nokuda kwedhirowa (zvinokosha zvikuru)

Zvikomborero zvinozivikanwa navose zvavakuru zvinorasikirwa:

  • [[[FOL:0] Yakagamuchirwa [ (kukwira kusvika ku $7 430 nokuda kwavanhu vanokwaniriswa)
  • American Opportunity Credit Icreate [ (kusvikira ku $2,500 nokuda kwendyiko dzekoreji)
  • [ Credit (kukwira kusvika ku $2 000 nokuda kwedzidzo inopfuurira)
  • [[IT] Credit (kukwira kusvika ku $6 000 nokuda kwemipiro yokurega)

Mitero Inopfuura Kubhadharwa Kwaunoita

[[[ITSORO] Mutero: Mutengo weZuva Wakavanzika [

  • Madanga anobva pa0% (Delaware, Oregon, Montana, New Hampshire, Alaska) kusvika kuinopfuura 10% mune dzimwe nzvimbo
  • Kazhinji kazhinji hachibvisi zvinodikanwa (marasha, mushonga) asi chinosiana nehurumende
  • Kutenga pakombiyuta kwava kubhadharwa mutero mukuru pashure pa2018 Dare Gurusa

[[[D] Ropato] Ropapo: Kunyange Vatendi vanoripa [[[[CUPU]]

  • Varidzi vedzimba vanobhadharwa zvakananga
  • Varipirwa nenzira isina kunanga navarendi (vakavakirwa murendi)
  • Mari yemo: zvikoro, mapurisa, moto, migwagwa
  • Unogona kubudiswa kana ukaisa (mukepisi yeSALT)

[[[NHAU] Capital Reasur travolution: Apo Rusambidzo runokura[

  • Nhengo- (inozivikanwa ne < 1 gore): Mutero semariwo zvayo
  • Nhambo-Nguva (inoitwa >1 gore): Mwero yakaderera (0%, 15%, kana kuti 20% yakavakirwa pakuwana mari)
  • Kutsvaka shavo, crypto, nzvimbo, zvinowanika

[[[ITS. 0] Mitero Yakavanda Matori kuripa[

  • Mutero [: Federal 18.466 Ukabatanidza mitero yehurumende parita rimwe
  • [[[FOM:0] Mari yePhone: Mitengo yebasa renyika yose, 911 subreads
  • [[FOL:0] Alcohol/tobacco: "Mitero miduku" kazhinji kazhinji inokwira zvikuru mutengo wechigadzirwa
  • [[[FOT:0] Hotel/mota yetsinga[[FT:1]: Mitero yeshanyo inosvika 20%+

Chikamu 2: - Unyanzvi Hwoupenyu Husina Munhu Anodzidzisa

Cherechedza Chokwadi Chacho: Kunoendeswa Mari Chaiyo

[ shavo yeDhautari yeAmerica Kuputsika kweDzimba

  • Dzimba: 33% (yemari, inete, inoiswa mumuri, yeinishuwarenzi)
  • Kufamba: 16% (mari inobhadharwa nemotokari, inishuwarenzi, gasi, kugadziriswa kwemotokari)
  • Zvokudya: 13% (machira nokudyira panze)
  • Inishuwarenzi: 12% (utano, upenyu, uye imwe)
  • Kutarisira utano: 8% (mundyiko dzepocket)
  • Zvimwe zvose: 18% (mari yokutenga, zvipfeko, mari yakachengetwa)

Chinetso: Vaduku vazhinjisa havazivi kuti mari yavo inoendepi kusvikira yapera.

Kuvaka Dhayimoni Yako Yokutanga Chaiyoiyo

Nyora 1 Tsvaka Chinhu Chiri Chose nokuda Kwomwedzi mumwe [ Usachinja mufambiro( kungocherechedza:

  • Kofi iri yose, kuzvinyoresa, kukwira Uber
  • Shandisa maapps (Mint, YNAB) kana kuti dengadhiropu riri nyore
  • Batanidza kushandisa mari (inonyanya kuoma)

[[ITSOGAMURO: 0] Nhano 2: Ita Nokutendeseka[[[FLT: 1]

  • [ Zvinodikanwa zvakagadziriswa: Rente, inishuwarenzi, mari shoma yechikwereti
  • Zvinodikanwa zvinodzivisika: Groceries, gasi, hypertensions
  • [ Zvinoda [: Zvibharo, mitezo
  • [ Zvinoda zvinhu zvinoda mari: Kudya, varaidzo
  • Kukumbira [: mari yekurumidziro, mudyandigere, nharidzano
  • [[[DHAKA:0] DEBTSP [: kupfuvura zvishoma

Satiro 3: Shandisa 50/30/20 Utongi (Kusimbiswa nokuda kweChokwadi) shanduro yegamuchidzanwa:

  • 50% zvinodiwa
  • 30% inoda
  • 20% mari yaichengetwa uye mari yechikwereti

Kuva chaikoiko nokuda kwavaduku:

  • 60 - 70% inoda (rendi huru, zvikwereti zvevadzidzi)
  • 15-20% inoda
  • 10-20% mari yakachengetwa uye kubhadharwa kwechikwereti kwakawedzerwa

Tanga pauri, usava paunofanira kuva.

Mari Yekurumidziro: Fandesheni Yako Yemari

Nei zano regamuchidzanwa risingakwaniri [ rinoti rinochengeta $4 000 pakutanga. Asi izvozvo hazvisati zvichizofukidza:

  • Rendi yemwedzi mumwe mumaguta akawanda
  • Kugadzirwa kwemotokari kukuru
  • Kushanya mukamuri rekurumidziro neinishuwarenzi
  • Kurasikirwa nebasa kwaisatarisirwa

More-mota] Zvitatiso zveNhaka yeNhaka yePhondo:

  • [[FOL:0] starge : Mwedzi mumwe wendyiko
  • Chikuru : mwedzi mitatu yendyiko
  • [ chenesa: mwedzi mitanhatu yendyiko
  • [[FORN:0] Vashandi vakasununguka[: mwedzi mipfumbamwe ishoma.

[[[[Didziro: 0] Kuivaka Pasina Kunzwa Yadzikatika:

  • Mushandiri: $50/hayi = $10,300/gore
  • Mutemo Usina Kutsarukana: Mitero inobviswa, mabhonasi anongoenda kumari inochengetwa
  • Tengesa zvinhu: Garagini yausina kumboridzira, maelektroniki ekare
  • Kudivi raitsvakwa mari yokukurumidzira

Kunzwisisa Mari Yechikwereti: Gadziriro Inodzora Zvaunosarudza

[[[FRANT:0]

  • Mubhadharo wenhau (35%): Usatongopotsa mari shomanene
  • Kuiswa panzvimbo (30%): Chengeta madhi echikwereti ari pasi pe 30% yeganhuriro
  • Kusanganiswa (10%): Marudzi akasiyana - siyana ebetsero (makadhi, zvikwereti)
  • [[FAMURA] New Common [10]: Usashandisa nokuda kwechinhu chiri chose panguva imwe chete

[ Musungo weChredit Trap[[FLT] Avhareji APR: 24,37% (songerewa2024)

  • Mubhadharo muduku padziro ye $5 000: ~ $1150
  • Nguva yokubhadhara kuderedza zvinhu: makore 23
  • Mubereko wose wakabhadharwa: $6 923

[ Urongwa hwechikwereti chamazamu[:

  • Wana kadhi rekutanga (rakachengetwa kana kuri madikanwa)
  • Shandisa muromo mumwe unoramba uchidzokororwa (Netflix, Spoyfy)
  • Mubhadharo wakazara
  • Usatongodzikamisa
  • Pashure pemwedzi 6, kukumbira kuwedzerwa kwechikumbiro (kubatsira kushandiswa)

Mudzidzi Anotsinhana: Chikwereti Chisina Munhu Akatsanangura

[[FOL:0] .C.m.: Misiyano inokasharara[[FTL:1] Zvikwereti zveFederal zvinopa:

  • Zvamungasarudza pakubhadhara mari yamunenge mabhadhara
  • Kodzero Dzokushivirira Nedzokunonoka
  • Kubvira Kwokukanganwira Kunoitwa Nebasa Ravose
  • Mwero womubereko wakaremara

Zvikwereti zvepachivande:

  • Mwero inochinja - chinja kazhinji kazhinji
  • Midziviriro mishomanene
  • Kusachinja - chinja
  • Ngazvidiwe kubudiswa kwecosignear

[[[DROF:0] Muripo weTsvakatary [:

Chiratidzo[: makore 10, chiverengero chakakwirira zvikurusa chemibereko yomwedzi nomwedzi, hwerengedzo yakaderera zvikurusa

[[[FURA:0] Gadziriro dzinouya-dzinobuda[:

  • IBR: 10-15% mari inopindwa mumaoko
  • PERE: 10% mari inotambirwa nomunhu
  • REPAYE: 10% mari inotambirwa nomunhu
  • ICR: 20% mari inotambirwa newawaishandira

[[[FL:0] Musungo wokukanganwira[: Zvitsama zvakapiwa zvingava mari inobhadharwa (kunze kwePSLF)

[[[FRANT: 0] Unofanira kurangarira kana:

  • Une mari yaunowana
  • Rukudzo rwakanaka (700+)
  • Hapana zvirongwa zvePSLF
  • Kugona kuderedza zvikuru

Usadaro kana:

  • Zvingada zvokusarudza zvemari yaunotambira
  • Kushandira kukanganwirwa
  • Kuchengeteka kwebasa kusingavi nechokwadi

Rutivi 3: Zvibvumirano Zvomene Zvomunyika - zvamazvirokwazvo - Kutapura Kwaunoitwa Nehurumende

Hurumende Yomunzvimbomo: Kunosarudzwa Upenyu Hwako Hwezuva Nezuva

City/Masimba eHurumende Ane Chitendero Anokutapura Nenzira Yakananga:

[[[FO:0] Kufutisa uye Kuisa panzvimbo yechinhu [[[FT]]:

  • Mitemo inotema panogona kuvakwa
  • Kudzora murairo wakarurama (pauripo)
  • Kuvaka bumbiro remitemo nezvinodikanwa zvokunzvera
  • Kugadzirwa kwemvura nekodzero dzemo
  • Mitengo yemitero yenzvimbo inotapura rendi yako

[[[IT] transportiation[:

  • Nzira dzokufambisa dzavose nepurogiramu
  • Miti yokupaka nemapazi nemamita
  • Kuchengetedza mugwagwa nokubviswa kwesinou
  • Nzira dzebike
  • Nguva inotarwa nemotokari

[[FUNDO:0] Mabasa ezuva nezuva[:

  • Mapurisa nedziro
  • Marara uye kuunganidzazve
  • Mashandiro anoita mvura nemapaipi etsvina
  • Mapaki nemapurogiramu evaraidzo
  • Maraibhurari nenzvimbo dzenzanga

[[[DHAMBI:0] Basa neBasa [:

  • Kurambidza zvinodiwa zvebhizimisi
  • Mubhadharo muduku (maguta akawanda anopfuura hurumende/hurumende)
  • Kupiwa zororo nemapurisa anorwara
  • Kuongorora zvokudya zvisina ngozi
  • Nguva dzokuvhara neresitorendi

Kunzwisisa Simba Rako Rezvamatongerwe Enyika Munzvimbo Iri Yoga

[ Mwero weFederal: Wakadimburwa asi unokosha

  • Mumiririri Weimba Yako: Inomirira vanhu ~760 000
  • Vatenzi Vako: Imirira nyika yose
  • Purezidhendi: Mimiriyoni 330
  • [ pesvedzero yako: Miduku mumwe nomumwe, inokosha pamwe chete

Chirefu cheruwa: Zvakawanda zvinobhadharika

  • Mumiriri wehurumende: Mimiedzero ~500,000-100,000
  • Hurumende: Mimienzaniso ~150 000 - 300 000
  • Gavhuna: Inomirira nyika yose
  • [ pesvedzero yako: Yakananga zvikuru, kazhinji kazhinji vanoziva vamiriri somunhu oga

[[[FRANT:0] Mwero wapanovari: Kwaune Simba Chairoiro

  • Dare reGuta: Rinomirira 5 000 000
  • Boka rechikoro: Kazhinji kazhinji zviuru bedzi
  • Mayor: Dai iye pachake akateerera maemail
  • Simba rako: rinogona kuita sarudzo, kutaura zvakananga kuvakuru vakuru

Maitirwe Emitemo Zvomenemene (Haisati Iri Shoouse Rock Version)

[[[DHAKA:0] Zvokwadi [[[FT]

  • Zvikwereti zvakawanda zvinofa mudare pasina kuvhota
  • Vanodzidza nezvemashiripiti vanowanzonyora mutemo
  • "Diders" batanidza zvinhu zvisina ukama
  • Dare reMitemo reFilibuster rinoreva mavhoti 60 anodikanwa
  • Mirayiro yevane Chinzvimbo Chikuru inodarika Dare

[[[FT:0] Zvokwadi yeruwa:

  • Vaya vanogadza mitemo panguva imwe chete vanomhanya - mhanya kupedza mari yezvikwereti
  • Mitemo yetsika yakakopwa pakati penyika
  • Kuchinja kwemapepa okushandisa
  • Kutanga kwenziyo dzenziyo kudarika mutemo wokugadza
  • Gavhuna anowanzopedzisira

[[[FRANT:0] Chaichoicho chapanzvimbo yapakati:

  • Zvisarudzo zvinoitwa pamisangano yoMuvhuro manheru vashoma vanopinda
  • Pesvedzero yavafambisi panzvimbo
  • KURWISANA
  • Kusawirirana kweunhu kunoita kuti pave nemaitiro
  • Kunyanyonyanya kubudiswa munhau

Kodzero Dzako Mumamiriro Ezvinhu Chaiwo

[[[FRANT:0] Zvisangano[:

  • Unofanira kugovera ID kana ikachengetwa nenzira yapamutemo (Terry mira)
  • Unogona kuramba kutsvaka pasina rugwaro (pasina kurongwa)
  • Unogona kunyora mapurisa paruzhinji
  • Unofanira kukumbira zvakarurama kuti urambe wakanyarara
  • Haugoni kudzivisa kunyange kusungwa kusiri kwapamutemo (kurwa mudare)

[ Kushandira Kodzero Dzakakodzera Kazhinji kazhinji Dzisingazivikanwi:

  • Kukurukura mibhadharo kunodzivirirwa zviri pamutemo
  • Zvikamu zvizhinji zve "contractor" hazvibvumirwi nomutemo
  • Nguva refu inoshanda kuvashandi vazhinjisa vanowana mari iri pasi pe $3568
  • Kutsiva kunyunyuta hakusi kwepamutemo
  • Kuda hakurevi kusatsvaka nzira

[[[FRANT:0] Kodzero dzechiNgezi (Kudzidzwa neHurumende):

  • Muwadhi wewatemendi anowanzoda ziviso yemaawa 24-48 kuti apinde
  • Matura ezvokuchengetedza ane mitemo yakaoma
  • "Kugara zvakanaka" kunoda migariro inochinjika
  • Kushanda panzvimbo yazvo kunoda basa repamutemo (kwete "zvibatsira")
  • Kusasarurana mudzimba hakubvumirwi nemutemo

Basa Rako Rokuvaka: Mugove Wako Wakakwana

[[FOL:0] Zvinoitika Chaizvoizvo[:

  1. Mafiniyumu anosvika (usafuratira)
  2. Mushumo kudare (unza bhuku/laptop)
  3. Mirira mukamuri redare rinobetsera vatongi (nguva hurusa inopedzerwa pano)
  4. Sezvinobvira anodanwa nokuda kwokusarudza kwakaipa (kupenga)
  5. Kana wasarudzwa, batira pakutongwa (kazhinji kazhinji mazuva 1-3)
  6. Kusarudza

[[[FUNDO:0] Chikonzero nei Vanhu Vachiedza Kuidzivisa [[[Ntomba:1] (uye Nei Vasingafaniri):

  • Mari yaunobhadhara yakaipisisa ($15-50/zuva)
  • Vashandirwi vanofanira kubvumira nguva asi vangasabhadhara
  • Muitiro unovhiringidza
  • Unogona kuva akaoma mundangariro

Asi ndeimwe yenguva shomanene vagari vemo vanoshandisa zvakananga simba rehurumende.

Kurumbidza: Kupfuura Kusarudzwa KwaPrezidhendi

Kwedi yokunyoresa:

  • Mitsetse yakafa inosiyana (zuva rimwe chete nemazuva 30 asati asvika)
  • Ungabviswa kana ukasaita basa
  • Vadzidzi vepakoreji vanogona kunyoresa kuchikoro kana kuti kumba
  • Dzimwe nyika dzine intaneti, dzimwe dzinoda mapepa

[[[FO:0] Chaizvo Chiri Paballot :

  • [[[FOL:0] DERAL: Purezidhendi, Senator, Mumiriri
  • [ Chimiro[: Gavhuna, mutezo wemitemo, vatongi
  • [ Nzvimbo yapachamene: Mayor, dare, dare rechikoro,
  • [[[FOT:0] Mitero[: Zvikwereti, mitero, chinjo dzehafu
  • [ Maruwa [: mvura, moto, mabhodhi echipatara

[[[FRANT:0] Chikonzero nei Sarudzo dzomunzvimbomo Dzichinyanyokosha[:

  • Dare rechikoro rinosarudza zvirongwa, mabhajeti
  • Dare reguta rinoronga mitero yomunzvimbomo, richironga kubhadhara mitero
  • Gweta reruwa rinosarudza chokutonga
  • Mutongi anoronga kuti mutemo utevedzerwe pokutanga
  • Vatongi ndivo vanotonga nyaya dzakawanda dzematare

Bva kuvhota kazhinji kazhinji kuri pasi pe 20% nokuda kwesarudzo dzomunzvimbomo bedzi.

Chikamu 4: Kupindira Kunoita Mashandiro Emashandiro Anoita Mashandiro Anoita Mashandiro Anoita Mashandiro Anoita Mashandiro Anoita Mashandiro Anoita Mashandiro Anoita Mashandiro Anoita Mari

Kutenderera Kwomutero Nemadhiragi

[[[ITS: 0] Nyuro Yemitero [[[IT]]

  • [[[FURT:0] Faresal: Maur, Social Security, Medicare, mhindu yechikwereti
  • [ State: Dzidzo, Medicaid, migwagwa mikuru, majeri
  • yapano: Zvikoro, mapurisa, moto, migwagwa, mapaka

[[[FRATO:0] Zvisarudzo zvematope Zvinosarudza

  • Vara rebasa (makirasi, nguva dzokugamuchira)
  • Dzidzo (vara riri panzvimbo yakakwirira, kuwanika kweInternet)
  • Kubudirira mune zvoupfumi (zvido zvebhizimisi, imba)
  • Kunaka kwoupenyu (mapartk, maraibhurari, mapurogiramu)

[[[FO:0] Chibvumirano Chako Chinobatanidzwa Mupesvedzero[:

  • Ndiani anoita zvisarudzo zvemabhajeti
  • Zvinhu zvipi zvinokosha zvinotsigirwa nemari
  • Kushandiswa zvakanaka kwemari
  • Kana ushati huchiratidzirwa

Mienzaniso Chaiyoiyo Yebatano Dzegadziriro

[[[FUNDO:0] Muenzaniso 1: Chikuru [[[CV: 1]

  • [ [: Mitemo inoganhurira mugove wedzimba
  • Anosarudza: dare reguta nokuronga
  • tax tables: Mitero yenzvimbo inovakwa kuva rendi
  • muuyo weshavo: Mari shoma nokuda kwezvimwe zvinodikanwa
  • chigadzikiso checopul: Pinda misangano yokuvaka, vhoti nokuda kwavada kutora

[ Muenzaniso 2: Chikwereti cheVadzidzi

  • [[[FRAT:0] Basa remari [: Inogadza zvikwereti nemirau yekanganwiro
  • Basa reruwa[: mari mumayunivhesiti avose (kana kuti haasati)
  • [[FAMU] transftix : mutero wefashoni, kanganwiro
  • muuyo weshavo: Kunonoka kuisa muridzi wemusha, kunoderedza ndyiko
  • Chigadzikiso chepic: Kutsvaka mari yokutsigira dzidzo, nyorera vamiriri pamusoro peyamuro

[[[FF:0] Muenzaniso 3: Kurapa kunodhura[[[FLT: 1]

  • [[[FOL:0] . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
  • State: Kufutunurwa kweMedicaid, mutezo weinishuwarenzi
  • [ yapano: zvipatara zvavose, madhipatimendi outano
  • tax table: mushandirwi weinishuwarenzi asati abhadharwa, zvitsaru zvekurapa
  • [ chigadzikiso checompul: Nzwisisa nzvimbo dzokurapa dzavada kurapwa

Matanho Anoshanda

Zviito Zvokukurumidza (Vhiki Ino)

[[[FRAN] yemari [:

  1. Vhura mumipumburu yako yemibhadharo uye nzwisisa mari yako
  2. Nzvera mushumo wako wechikwereti (wakasununguka pagore negore creditropouts.com)
  3. Nyora pasi kuzvinyoresa kwose uye kubhadharwa kunodzokororwa
  4. Vhura mari yakawanda inochengetwa kuti ubhadhare mari yekurumidziro
  5. Kuwana IRS paIndaneti

[[[IT][[IT]

  1. Ona kuti vamiririri vako ndivanaani (mwero yose)
  2. Cherechedza kunyoresa kwomuvhoti wako
  3. Tarira musi wasarudzo yomunzvimbomo unotevera
  4. Kurukurai purogiramu yemisangano yedare renyu
  5. Verenga kodzero dzako dzekushandira

Zvinangwa Zvenguva Pfupi (mwedzi 3 Inotevera)

[[[FRAN] yemari [:

  • Mupei mwedzi mumwe chete mari yokushandisa kukurumidzira
  • Ita uye tevera bhajeti kwemwedzi mitatu
  • Gadza mari inongodzorwa kuti usabhadhare mari yaunozobhadhara uchinonoka
  • Nzvera ndokutora zvikwereti zvose zvemitero zvakafanira
  • Nzwisisa kuti mushandi wako anobatsirwa zvizere

[[[IT][[IT]

  • Pinda musangano mumwe wevose
  • Nhume inokurukura nemunhu nezvenyaya imwe chete
  • Bvumira kuvhota kana usina kunyoreswa
  • Vanoda kutsvakurudza nokuda kwesarudzo inotevera
  • Pitanidza sangano rimwe renzanga

Kukura Kwenguva Refu (Gore Rino)

[[[FRAN] yemari [:

  • Mari yokushandisa mari yekurumidziro kumari inoshandiswa mumwedzi 3-6
  • Itawo chimwe chinhu kuti urege basa (kuna vaunoshandira vawiridzirwe basa)
  • Kunatsiridza masvomhu ne 50+ mativi
  • Mitero yefaidhi iwe umene kana kuti kunzwisisa izvo mugadziri anoita
  • Gadzirira mari yako makore 5

[[[IT][[IT]

  • Muchengete musarudzo iri yose
  • Zvipire nokuda kwechisakiso kana kuti nhimbe
  • Nzwisisa mashandisiro anoita mari yomunyika yenyu
  • Vaka ukama nevakuru vakuru vomunzvimbomo
  • Iva mupi wezvipo zvevamwe

Unyanzvi Hwakasarira uye Chikonzero Nei Huripo

Chikonzero Nei Zvikoro Zvisingadzidzisi Izvi

[ Zvikonzero zvegadziriro[:

  • Kuongorora kwakakodzera hakuedzi unyanzvi hunoshanda
  • Vadzidzisi havana kurovedzwa mune zvemari yomunhu oga
  • Kuronga kwakagadzwa naavo vakabviswa muuchokwadi hwazvino
  • Koreji yakaisa zvinhu zvinokosha paupenyu hwapamberi pemakore
  • Kuramba dzidzo yevanhu vehurumende mune zvematongerwo enyika

[[[FULT:0] Zvikonzero zvokurangarira:

  • Vabereki vanokwira Mariya vachadzidzisa (vakawanda havagoni)
  • Kukurukura nezvemari kwaionekwa sokunorambidzwa
  • Vaviri vanoonekwa sevanoitirana nharo mune zvematongerwe enyika
  • Zivo isina kujeka inodiwa kupfuura zvinoshanda
  • Kudzidza

Mutengo Chaiwoiwo Wokusaziva

[[[FRATI:0] Ndyiko dzemari[:

  • Avhareji yemhuri inobhadhara $1,230/gore mumibhadharo isiri madikanwa
  • Chikwereti chemakadhi okutenga nechikwereti chinodya zviuru zvevanhu
  • Kukanganisa kwemitero kunokonzera zvirango
  • Zvikwereti uye zvitsananguro zvinoshayikwa
  • Inishuwarenzi yakasimba uye kuisa mari mubhizimisi

[[[FO:0] Ndyiko dzepic[:

  • Tsika dzaunoshora dzinoitwa
  • Masangano aunoda kucheka
  • Kodzero dzawakarega kufoira
  • Zvinetso zvaunotarisana nazvo hazviwanikwi nenzvimbo
  • Utongi hwegutsaruzhinji hunoderera pasina kutora rutivi

Mugumisiro: Kupiwa Simba Nokudzidza

Mukaha pakati peizvo chikoro chakadzidzisa neizvo upenyu hunoda hausi kundikano yako yomunhu oga.

Kunzwisisa mitero [ inoishandura kubva muzvinonyungudutswa zvakavanzika kuva zvisanzwisisika (kana zvichishatisisa) mipiro yavagari vemo. Unogona kuita kuti ive yakanakisisa, utaure zvikwereti zvakafanira, uye uite zvisarudzo zvakaziviswa pamusoro pemari yaunowana uye mari inoiswa mubhizimisi.

[ Kuronga mari [[[FT: 1] kunochinja kubva pafunganyo yemari kuenda kukudzorwa kwemari. Unoziva uko mari inoenda, nei ichinyangarika, uye nzira yokuitungamirira nayo kunharidzano dzako panzvimbo pokuirega ichinyangarika.

Kuchinja nharaunda [ kukutendeutsa kubva kuvaoni vezvamatongerwe enyika kuti vatsigire. Unonzwisisa mwero wehurumende unodzora icho, nzira yokupesvedzera nayo zvisarudzo, uye nei kutora kwako nhau kusingafungirwi.

Izvozvi hazvisati zvichingova unyanzvi hwokukura chete, zvinongova simba, simba rokuchengeta zvakawanda zvaunowana. Simba rokuvaka chengeteko yemari. Simba rokuumba nzanga yako. Simba rinodzivirira kodzero dzako. Simba risingabvi panzvimbo kana pafuma asi pazivo napakuvimbisana.

Gadziriro yedzidzo yakakundikana kugovera iyi zivo inoshanda, asi kundikano iyoyo haisati ichikuparira kusaziva. Mashoko aripo. Maturusi anowanika. Mubvunzo bedzi ndowokuti uchatora mutoro wokudzidza icho chikoro chisina kudzidzisa.

Dzidzo yako chaiyoiyo inotanga zvino. Kirasi iri muchikamu pose paunosarudza kupinda. Zvidzidzo ndihwo upenyu hwako chaihwo. Kuedza kunouya zuva riri rose muchimiro chezvisarudzo pamusoro pemari, kuvhota, uye kuvimbisana nzanga. Kusafanana nechikoro, haugoni bedzi kukundikana. (hwunoperera), unogona bedzi kudzidza, kunatsa, uye kuwana udzori hukuru paupenyu hwako.

Unogamuchirwa kunyika chaiyo. Pano ndipo pakanyorwa bhuku ravakakanganwa kubatanidza dhipuroma rako.

Mamwe Matura

Dzidzo Yemari

Kubatanidzwa Kwechibvumirano

  • [[FUT:0]USA.gov - Gate kumabasa ose ehurumende namashoko
  • Ballotteia - Sarudzo inoisa mubatanidzwa namashoko akarongwa
  • GovTrack.us - mutemo weTsvene uye nyorerana navamiriri

Mabhajeti

  • [Mint - Kuronga nokunyora pasina bhajeti
  • Unoda Bhaudhi (YNYB) - Gadziriro yebhajeti inodzorwa nemari yakawanda
  • [Musoro woga - Kuwana kwakasununguka uye mambure zvakafanira kutevera
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