Zvidzivirire Iwe Nemhuri Yako Kubva Muzviitiko Zvisingatarisirwi Muupenyu
Unoshandukapi iwe paunotarisana nehutano hwemari? Iwe une mari yakatarwa kuti uvhare mari isingatarisirwi here? Pane rumwe rudzi rweinishuwarenzi munzvimbo? Pasina kodzero yekuchengetedza mari, iwe unogona kuzviwana uri mune mari. Zvose zvekushanda zvakaoma mumakore aya hazvizove zvakawanda kana iwe usina ma motokari panzvimbo yako kuzvidzivirira kana paine chiitiko chinokuvadza.
Ndosaka zvakakosha kuumba mari yako yekuchengetedza mambure kuitira kuchengetedza izvo zvaunazvo. Chikamu chekukurumidzira, inshurensi yekuremara kwenguva refu, uye inshuwarisi yehupenyu inogona kuita zvose zvinokosha pakudzivirira iwe nemhuri yako.
Emergency Fund
Vashandi vezvemari vanoratidza kuva nemari yakakwana mune imwe nhoroondo yakawanikwa nyore nyore kuvhara mararamiro enyu kwemwedzi mitanhatu pamusana pokurwara, kurasikirwa nebasa, kana zvimwe zvakakonzerwa nokukurumidza. Iyi ndiyo mari yaunofanira kuva nayo munhoroondo yekuchengetedza kana imwe nhoroondo yemvura iyo iwe unogona kupinda mukati mekushaya mhosva paunenge uine dambudziko.
Pasina mari yekukurumidzira , zvingasarudzwa zvekubhadhara mari dzisingatarisirwi zvingaguma zvichibhadharwa nekadhi rechikwereti, iro mumatambudziko mazhinji rinogona kutakura chikwereti chekufarira uye kuita kuti mamiriro ako akawedzere. Kunyanya kuipa, pasina mari yekukurumidzira, iwe unogona kukamanikidzwa kupinda muchikwereti chako chemari yekusasiya.
Izvi chete zvinogona kuisa ramangwana rako remari mune ngozi.
Kana usati watanga mari yako yekukurumidza, usamirira rimwe zuva. Nzira yakanakisisa yekuita izvi ndeyokugadzira chirongwa chekuchengetedza kamwechete . Apo zvipo zviripo, hauzivi kuti uri kuchengetedza mari. Usati wazviziva iwe une mari yakanaka yemari.
Kuremara Kwemazuva Ekurenga Inishuwarenzi
Inishuwarenzi yekuremara kwenguva refu inobatsira kutsiva mari yako kana iwe usingakwanisi kushanda nekuda kwekurwara kana kukuvara. Vanhu vazhinji vanofunga kuti kugoverana uku kunotapira, asi kunofanirwa kuonekwa sezvinodiwa kune avo vasina mari yevamwe vanogona kuibata muitiko kana chirwere kana kukuvara. Kunyange kana iwe uine zvimwe zvezvemari, unoda kuzvishandisa kuti ubhadhara mari yako yemwedzi kana iwe uchizove wakagadzikana here? Kuremara kunogona kukurumidza kupedza kuburikidza nezvose zvaunenge uchichengetedza kana kutokutungamirira kuti upinde mune mari yako yokurasikirwa iyo inogona kunge yakakosha mumugwagwa.
Zvibvunze mubvunzo uyu: unogona here kurarama pasina mari yako yemwedzi mitatu? Mwedzi mitanhatu? Gore? Kana mhinduro yacho kwete, unoda inshurensi yekuremara. Vashandi vanowanzopa huwandu hwekubhadhara kuburikidza nemubhadharo webhadharo, iyo inogona kunge yakabhadhara mutero. Iwe unogona kungoerekana wawana kupedzisira kwenguva pfupi kwekuremara kuburikidza nebasa redu, asi chengeta kuti uone kana vane zvimwe zvekugovera zvingasarudzwa.
Life Insurance
Inishuwarenzi yehupenyu inofanirwa kana iwe uine vatsigiri avo vachatambura nemari kana iwe ukafa. Iko kunofanirwa kuva nekuchengeteka kwemari panzvimbo panzvimbo yeaunoda. Kana iwe usina mari yehupenyu, inshuwarano yehupenyu haisi yakakwana zvachose, kunyange zvazvo vanhu vakawanda vanoshandisa inshuwarisi sechikamu chekugara kwavo kwemari uye kuunganidza mari pasinei nehupenyu hwavo hunotarisirwa.
Kana uchitarisira kutenga inshuwalisi kunze kwekushanda kwehushuwarenzi inopiwa neunoshandira, iwe unofanira kuzvidzidzisa pamusoro pezvakanaka uye zvinopedzerwa neshoko, hupenyu hwose, nemamwe marudzi einishuwarenzi . Iwe unogonawo kuda kutaurirana nemudzidzisi wehuwandu hweinishuwarenzi yakakwana .
Pasi Pasi
Kana uchinge wakasikirwa nemari yepfuma nemari yako yekukurumidza nekuchengetedza uye inshuwarisi yehupenyu, unogona kurara nyore kuziva kuti iwe une mari yekuchengetedza mari panzvimbo iyo inogona kukubatsira kuchengetedza kuburikidza nemamiriro ezvinhu akaoma zvikuru.