Zvikwereti zvekare (nguva dzose, periodic)

Iye zvino nhamba yakawanda yehutano hwakasiyana inopiwa, iyo, muchirevo, inofanira kuita kuti hupenyu hwevanhu vemazuva ano huve nyore. Somuenzaniso, kubhadhara zvikwereti. Chii, icho chavanoita uye chinopera, ngatitarirei munyaya yacho.

Chii chinowanzobhadhara?

Zita rekubhadhara rinobva mubhadharo rwekuChirungu rinowanzoshandurwa , iro rinoshandurwa chaiyo rinoreva "kubhadhara nguva dzose". Rudzi urwu runogonawo kuwanikwa pasi pezita rokuti "kubhadhara motokari". Pfungwa iyi ndeyekuti mari inokweretwa kubva kubhuku rako kana foni foni, zvinokwana kugadzirisa hurongwa chete kamwechete, zvinoratidza nguva yekubvisa uye mari inodiwa. Zvakakosha kuchengeta imwe chete mamiriro: iyo nhoroondo inofanira kuva mari. Kutaura zvazviri, iyi inoronga hurongwa hwekubhadhara uye kuwedzerwa.

Batsirwa

Nguva dzekubhadhara dzinobatsira zvakasiyana-siyana. Kana iwe ukaita mamwe mabasa emari nguva dzose, kubva pamwedzi kusvika pamwedzi, ipapo nokuisa mutero wemotokari, iwe uchachengetedza nguva yaunopedza pakunyora uye kuurayiwa.

Zvakare zvakanaka kuti haufaniri kuchengetedza mazuva ekubhadhara mupfungwa uye kutya kwekubhadhara nguva. Kunyanya zviri nyore nezvikwereti, nokuti nokuda kwekunonoka pakugadzira mari yezvikwereti, bhangi ine chakanaka.

Izvo zviri nyorewo kugadzirisa kubhadhara motokari kwefoni yepasiti paunenge uchideredza muganhu waro pasi apa imwe yezinga. Izvi zvinobvisa kuzvidya mwoyo pamusoro pekuti iwe unogona kuerekana wasiyiwa usingabvumirwi nekuda kwemuwandu usina kupinda panguva. Zvechokwadi zvichave kune avo vanhu vanowanzoenda pabasa rebhizimisi.

Chimwe chekuwedzera ndeyekuti hupi hupi hupi hupi hupi hupi hupi hupi hupi huripo huripo huripo huripo huripo huripo huripo huripo. Uyewo zvakakosha ndiko kuchengetwa kwekomiti. Kana uchibhadhara motokari iyo haisi iyo, kana yakaderera, pane yekushandisa dzimwe nzira dzokubhadhara.

Kukanganisika

Zvikwereti zvekare, zvisingaiti, zvine chokuita nekutengesa kwepamusoro-soro, sezvo zvigadzirwa musarudzo isingagamuchiri. Izvi zvinoreva kuti mvumo yako yekubhadhara mari haingabvunzwi.

Kana bhadharo yemotokari yakagadzirirwa kunze kwekutsvaga, unofanirwa kufunga kuti pakupera kwevhiki uye mazororo ivo havaiti. Zvakakoshawo kuvimbisa kuti mari yose haipfuuri mutemo wakatarwa kana kuenzanisa pakadhi. Kana zvisina kudaro, kubhadhara hakuzoiti.

Izvo zvipfeko uye mukana wekushanda kwekodhidhi muhurongwa hazvidzivirirwi. Uyewo, hapana mubvunzo wekusimudza mari kwekanguva, iwe uchada kubvisa zvose zvigadziri, uye wozogadzirisa zvirongwa zvakare.

Nokudaro, munyaya yekubhadhara nguva dzose, iwe unofanirwa kuita maererano nemutemo we "kuvimba, asi chengeta".

Ndiani anonyatsogadzikana nemotokari yemotokari?

Iwe unogona kugara uchibhadhara zvinhu zvakasiyana-siyana uye nhepfenyuro, uyewo kushumira zvinodiwa zvebhizimisi. Nokudaro, hazvisi nyore kune mumwe chete, asiwo kumasangano, vadzidzisi vemabhizimisi.

Munharaunda yebhizimisi, unogona kuisa auto zvikwereti zvekuwana zvinyorwa zvezvinhu zvakasiyana-siyana kana SaaS-services (somuenzaniso, kuverenga online), kugadzirisa kubhadhara mitero uye mari.

Pamusoro pezvaunoda iwe zviri nyore kugadzira motokari yekufambisa kwemafoni, Indaneti, terevhizheni yekutengeserana, zvishandiso, kubvisa zvikwereti. Iwe unokwanisa kuisa uye kutumira mari, uchiti, kuhama kana shamwari, uyewo kushandiswa kwemari, kana uchida nokuda kwechimwe chikonzero.

Mabhii makuru eIndaneti anopa vashandisi vavo kubhadharira kubhadhara zvinhu, mazvibatsiro nemabasa.

Kana iwe ukatora chikamu munyasha, ipapo kuwedzerwa kwakadai kunogona kugadziriswa sehomwe dzinowanzoitika. Kana iwe uri mubato rekutsvaga mari, ipapo nhoroondo yekuisa mari inogona kugadziriswa pane dzimwe nguva. Ichocho ndechokuti, chaizvoizvo, chero chero rudzi rwekubhadhara runogona kuitwa kudzokorora, runoitwa neimwe nguva periodicity.

Zviri nyore kugadzirisa zvinowanzobhadhara zvikwereti uye avo vanobatanidzwa mu microcredit systems.

Nzira yekuderedza njodzi?

Kuita kuti kubhadharwa kwebhadharo hakuiti kuti uite dambudziko rematambudziko kwauri, chengeta mitemo yekudzivirira. Usaendesa kadhi kuvanhu vatatu pasi pemamiriro ose ezvinhu. Kunyange mudziyo wezvokudya muresitorendi haana kodzero yekuitakura. Zvose zvinoshandiswa nekadhi zvinofanira kuiswa chete pamberi pako.

Ichokwadi ndechokuti haufaniri kuziva zvizhinji kuti uite mubhadharo: nhamba yekadhi, zita romuridzi, nguva yekuvimbika uye CVV \ CVC, iyo inowanika pachena pamhiri. Nokudaro, hapana chikonzero kunyange kukubira kubva pamapu, zvakakwana kuti udzorezve ruzivo rwakakodzera.

Chengetedza foni yebhangi iri pedyo, mune imwe nguva inokurumidzira, pakarepo taura nayo uye uvhare kadhi. Unganidza bhenji re mobile, uye iwe uchagamuchira mharidzo yeSMS pamusoro peimwe nzira yepaigwaro yako. Shandisa nzvimbo dzinotsigirwa chete, mabhizi namahotera. Nguva dzose gadzirisa kupesana nekudzivirira utachiona pane kombiyuta yako uye usashandise mamwe maPc for payment transactions. Isa muganhu paIndaneti zvipo. Dzimwe mabhenji anokubvumira kuita izvi kure, pasina kushanyira hofisi. Chinonyanya kukosha - usakanganwa kubvisa kubhadhara kwebhasi kana iwe ukarega kushandisa chero basa.

Mitemo iyi iri nyore kwazvo kutevera, asi inobatsira chaizvo kuchengetedza mari yako.

Ndinogadzirisa sei bhadharo yemotokari?

Mabhangi anenge anenge chero rudzi rwekubhadhara kwekubhadhara kuisa mutero wekutengesa. MuInternet Bank, iwe unongoda kutarisa "Dzokorora nguva dzose".

Kana iwe uchida kugadzirisa zvikwereti nguva dzose nemashumo iwe haufaniri kubhadhara panguva iyo, zvino sarudza "Isa gwaro rekubhadhara". Ikoko, tsanangura zita rekushanda, sarudza nguva dzose yekuurayiwa (vhiki nevhiki, mwedzi nemwedzi kana nemamwe mazuva), ratidza kuti nguva yakakodzera (pasina kumira, kusvikira pane imwe zuva kana nenhamba yebhadharo). Iyo nzira yebhangi rimwe nerimwe inogona kusiyanisa zvishoma, asi iyo nheyo yacho yakafanana kwose kwose.

Iwe unogona kugadzirisa zvikwereti zvemotokari kwete chete kuburikidza neInternet bank, asi zvakare kuburikidza neyeseti yemagetsi. Semuenzaniso, "Yandex.Money" inokubvumira kuti udzose chikamu chefoni yako.

Nguva dzose kubhadhara uye bhizinesi

Kana iwe ukatarisa motokari yekubhadhara kubva panzvimbo yekutarira vhizimisi vebhizimisi, inouya kuva inobatsira zvikuru. Vatengi vanogona kukwanisa kuisa mari nguva dzose vanowanzogara, sezvo pasina chikonzero chekupinda zvakare.

Kubhadhara zvakakwana kunoita kuti kuverengera nzira yezvinhu kana zvipatara zvive nyore, kubvisa mushumiri pakuita zvimwe zvezviito zvinowedzera, izvo zvinowedzera kutengesa kwechitoro chendaneti kakawanda. Izvi zvinonyanya kukosha kune avo vezvemabhizimisi vanopa nguva dzose mazano: kubata, kutengesa terevhizheni, mapurogiramu ekudzidzira, kusvikirwa kune chero zviwanikwa.