Mari, Personal Finance
Nhepfenyuro yekuverenga nekunyora: sei kubvisa zvikwereti zvekwereti?
Izvo zvinoitika kuti kuwanikwa kwezvikwereti zvinotengeswa kunotyisa joke ine utsinye nevanhu ivavo vasingazivi kushandisa mari uye kuronga kushandisa mari. Migumisiro - zvikwereti, zvisina kunaka chikwereti chenhoroondo, mitsipa yakagumburwa uye mubvunzo: "Ungabvisa sei chikwereti?" Zvisinei, kubva pane chero mamiriro ezvinhu kune nzira yekubuda nayo. Ngationgororei nzira yekudzokorora zvakare.
Chokutanga, ita rondedzero yezvisungo zvako: kunaani, zvakadini uye nguva yekudzoka. Chinhu "chizere", zvichida, chichava chinotyisa, asi danho rokutanga rave ratoitwa.
Nzira yekubvisa chikwereti chekwereti, kana pane zvakawanda zvavo? Tanga kudzorera zvikwereti zvakarurama. Kana pane zvikwereti zvakawanda, kutanga pane zvose unoda kuverenga "inodhura" yazvo (ine chikwereti chakanaka).
Panguva imwecheteyo, munhu haafaniri kurega kukanganisa kwevaya vakasara, panguva ino inoita mari shoma makadhi emakadhi anogona kubhadharwa nemari shoma.
Kana paine kadhi-kechikwereti kechikwereti, chengetai chikwereti nematokari ane chido chakakwirira.
Pangosvika zvikwereti zvinodhura zvikuru zvakabhadharwa, tanga "kubhadhara" chikwereti chimwechete "chiduku" kusvika pahuwandu. Iwe uchaona kuti nhamba yezvikwereti iri kuderera, izvo zvichabatsira chaizvo kuchinja mafungiro ekukundwa kune zvimwe zvikwereti.
Kana zvichikwanisika, edza kubhadhara chikamu chakakura kudarika kubhadhara mari shoma pamakadhi emakadhi, nokuti chido chinowanikwa kwavari zuva rega rega. Usatambanudza kubhadhara kwekadhi rechikwereti nemari shoma shoma, sezvo inonyatsosanganisira ma komisheni uye kufarira. Chikwereti chikuru mumutengo wekubhadhara mwedzi mumwechete chikamu chiduku, chinowedzera nguva yekushandisa mari uye kuwedzera kubhadharwa kwebhakwere.
Kana iwe ukaona kuti iwe haugone kutarisira pasina kunonoka, isa bhengi ichicherechedza. Kuedza kuvanza nekunyangarika hazvina maturo, sezvo iwe unofanira kubvisa zvikwereti iwe chete uye hakuna mumwe. Nhasi, mabanki akawanda ari kusangana nemunhu anenge akwereta kana akanyevera nezvemamiriro acho ezvinhu uye haaregi kubhadhara chikwereti chake. Iyi nzira inonzi kuderedzwa kwechikwereti - kuderedza muwandu hwekubhadhara kwemwedzi pamwedzi nekuda kwekuwedzerwa munguva yezvikwereti kana mubereko wekuda.
Mhinduro inotevera kumubvunzo wekubvisa zvikwereti ndeyekuisa bhajeti yako. Nheyo huru yekugadzirisa mari yemunhu pachake haisi kudhura, mari yakawanda.
Kutanga, tanga kutora zvaunotora. Gadzira tafura yakanakisisa muhurongwa hwakanakisisa uye uite ruble rimwe nerimwe zuva, kugovera mari muzvikwata (semuenzaniso, michina, mbatya, varaidzo, vana, . Mazuva mashomanana mushure mekutanga kwemari yezvemari, kuchava nechido chekusapedza zvakawanda. Verengai kuti mari yakawanda sei mwedzi inoenda kune imwe neimwe chinhu, uye chii icho chikamu chayo mari yose. Funga pamusoro pekuti zvaive zvichikwanisa kuzvideredza, tsvaga zviwanikwa zvekuchengetedza.
Dzivisa kutenga uye kusina kugadzirirwa kutenga. Funga kwemavhiki mashomanana, rega manzwiro acho anyarare. Kana zvakasarudzwa zvakanaka zvichitorwa kuti chimwe chinhu chiri chichiri kudiwa, enzanisa nhamba, sora maitiro uye uchatenga.
Wedzerai mari yako: ona basa rechipiri kana basa remaawa, ita basa rako pane basa razvino kuitira kuti iwe uwedzere mari yako, kubata mapurojekiti akaoma, kuva nesimba uye kushanda zvakaoma.
Kutengesa zvinhu zvisina kufanira kana zvisingakoshi.
Mushure mokuita chikwereti chekupedzisira chebhari mubhangi, musatora chikwereti zvakare, sezvo kubvisa zvikwereti ndezvakareba uye zvakaoma, uye mufaro wekutenga unopedza zvishoma kudarika purogiramu yekubhadhara.
Hungu, zvikwereti zvinodiwa. Iwe unogona kuchengetedza nokuda kwekutenga kukuru kusvikira ukwegura, asi iwe unoda kurarama iye zvino. Mari yechikwereti yakarurama kana ichi chinangwa chekugadzirisa kwenguva refu kwemamiriro emari kana kuwanikwa kwezvinhu zvinokosha. Somuenzaniso, kutenga chikwereti panzvimbo yekubhadharwa kwemwedzi pamwedzi uye chikwereti chemotokari nokuda kwebasa uye kutenderera zuva nezuva kwemhuri.
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