Kuziva kuti chikwereti chako chikoro chinorongwa chinogona kukubatsira kuti uchinatsire.
Kuti uwane zvakanyanya chikwereti chako, unofanirwa kuziva kuti chikwereti chako chikoro chakaverengwa sei.
Pane zvikamu zvishanu pane zvikamu zvako. Vamwe vanotakura zvinorema kudarika vamwe. Pasi pane mufananidzo wezvinhu zvishanu zvakakosha kune chikwereti chenhamba maererano neFICO.
1. Mari yekubhadhara- 35%
Zvikamu makumi matatu kubva muzana zvekwereti yako chikoro zvinoenderana nemari yako yekubhadhara. Kubhadhara panguva kunogona kureva musiyano pakati pevheji uye chikwereti chinoshamisa. Kana iwe uine nhoroondo yekubhadhara nenguva uchikwira akawanda eakaunti yako uye uine nguva imwechete yakasimudza uye iwe uchibhadhara nguva pfupi, haichazokanganisa chikwereti chako chikoro sezvazvakashandiswa.
Hezvino izvo zvaunoda kuziva:
- Mazuva mashomanana nguva pfupi haatauri kupokana newe. Chibhadharo hachikwanisi kutaurirwa kunonoka kunze kwekuti iri mazuva makumi matatu kana kupfuura akapfuura.
- Mufananidzo mukuru unokosha zvikuru ikozvino. Neyekare kare pamberi pe 2009, dambudziko rimwe guru rinogona kukanganisa nekukwereta kwako. Iye zvino, kana dzimwe nhoroondo dzose dzakanaka, imwe nyaya yakakomba haingabatsiri zvakanyanya.
- Zvinetso zviduku zvinokuvadza zvishoma. Kare, kana uchinge washaya mari shoma (pasi pe $ 100), uye yakaenda kune zvitsva, iwe unogona kuona kuipa kwepurokiti yako. Iye zvino chikwereti chako chikwereti hachingatamburi zvakanyanya kubva pakusanzwisiswa kuduku.
Sezvo izvi zvakakosha zvakakosha pane yako yose chikwereti chikwereti, kana iwe uchienda kuburikidza nekufambisa kana kutengeswa kwenguva pfupi hakusi kungofanirwa kunokanganisa chikwereti chako, asiwo mwedzi yekubhadhara nguva inotangira mberi.
2. Mari inotengwa- 30%
Chimwe chikamu chikuru chinotevera, icho chinokwana makumi matatu kubva muzana chekwereti yako chikwereti, chikamu chechikwereti chinowirirana chaunofanira kuita maererano nemari yako iripo.
Makadhi emakadhi uye mitsara yekwereti ndeyezvikwereti zvinokonzera chikwereti. Ichi chikamu chinotarirwa pane imwe nheyo nheyo uye inowanzo.
Somuenzaniso, kana iwe uine chikwereti che $ 5,000 uye iwe chikwereta $ 4,000 kubva kune uyo anokweretesa, zvicharatidza kuti wakashandisa 80% yemari yako iripo pamutsara iwoyo kana kadhi rechikwereti. Kuti uchengetedze chikwereti chako chikwereti chakakwirira, haudi kukwereta kudarika 30% yemari yako iripo kubva kune imwe chikwereti. Izvi zvinoreva kupesana nekutenda kwakakurumbira, zviri nani kuti uwane chikamu chiduku pamakadhi akasiyana pane kuwedzerwa kadhi imwe chete kusvika kumuganhu wayo.
Kuenzanisa kwakakwana kwechinhu ichi kunogona kusiyana zvichienderana nekureba kwawakave uchishandisa chikwereti. Pasinei nokuti, chikwereti chenyu chekwereti chinotora chikamu chakakura mune chikwereti chenhamba. Izvozvo zvinogona kuguma kuva nehukuru hwemagariro sezvakaitika kare.
Kuvandudza chikamu ichi chenyu chikoro unogona kudana vateresi uye uvakudze kuti vandudze chikwereti chako chiripo. Chero bedzi iwe usingakwereti zvakawanda, izvi zvinowedzera mune chikwereti chinowanikwa chichabatsira yako yose chikwereti chikoro. Muchikwata chemarikiti, izvi zvinonzi chikwereti kushandisa.
3. Kureba kweruzhinji-15%
Nguva yako yekwereti yemuganhu inosvika 15% yehuwandu hwako. Vanhu vane chikwereti vanopfuura 800 vanowanzobata katatu makadhi emakwereti (ane zvikwereti zvakaderera) zvavakange vambozarura kwemakore manomwe oga oga.
Sezvaunobhadhara chikwereti, usavhara iyo kadhi rechikwereti kana mutsara wechikwereti. Pane kudaro, funga kushandisa iyo kubhadhara mari shoma yemwedzi iwe waunobhadhara mwedzi woga woga . Kutsvakurudza kunoratidza kuti vanhu vane mari yakanakisisa mari yechikwereti vanobhadhara makadhi emakadhi mwedzi mumwe nomumwe kuitira kuti zvishoma zviitiko zvekubhadhara zvakakwana mwedzi wega wega zvinogona kubatsira kusimbisa chikwereti chako.
4. Ongororo uye mutsva wechikwereti- 10%
Inquiri uye nhoroondo yekwereti itsva pamusoro pe10% yehuwandu hwako. Mashoko akanaka; kana iwe uri kutengesa imba, zvese zvekutora chikwereti mukati memazuva makumi matatu kubva kune mumwe nemumwe dzichabatanidzwa semumwe mubvunzurudzo. Pamotokari, iri musi wegumi nemasere asi matanho akasiyana-siyana kunze kweFICO anogona kusiyana. Paunenge uchitenga chikwereti, shandisa maitiro mukati memazuva mashomanana ega kuitira kuti mibvunzo igare pamwe chete.
5. Mari yekukwereta inoshandiswa- 10%
Iko 10% yekupedzisira yepikisa yako yakabva kune rudzi rwekwereti; chibharo chekukwirirana nezvikwereti.
Chimwe chikwereti chikwereti, chakadai semotokari yemotokari , inotaridzirwa zvakanaka kupfuura kupinduka (kadhi rechikwereti) chikwereti. Mukuwedzera, pamwe chete nekuchinja kwe2009, iwe zvino uwane zvikwereti zvekukwanisa kwako kugadzirisa zvakakwana mhando dzemadhora; chikwereti, chikwereti chemari nemakadhi emakadhi, somuenzaniso.
Paunowedzera izvi zvose zvinonzi "zvakanaka" chikwereti chikwereti? Kana iwe uchida mari yakanakisisa pane chikwereti paunenge wapedza basa , pfura zvikamu zve780 kana kupfuura. Chinhu chipi nechipi chinopfuura 750 chinonzi chakanakisisa asi chakakwirira chiri nani. Chikwereti chakanaka chekwereti chinowira munharaunda ye700 kusvika ku749, uye 650 - 699 kuva "yakanaka". Kana iwe uine mapeji ari 649 kana kutanga kutora zviito zvinogona kuvandudza.