Akaongororwa Chete kana Akasiyana Chekuongorora Nhoroondo?

Mazano ekuti ungasarudza sei uye kuti ungazviita sei

Mazuva ano, hazvirevi hazvo kuti vakaroorana vatsva vachabatana ivo pachavo kutarisa maakaiti muchikwata chimwe chekuongororwa. Mari dzinowanzomanikidzwa nemitambo yekare, rubatsiro rwevana kana alimony , zvikwereti zvevadzidzi, zvikwereti zviripo kana kadhi rechikwereti chikwereti , nedzimwe nyaya dzakadai semafungiro ekuzvimirira uye kuzvimirira mune zvemari.

Dzimwe nguva kubatanidza mari yose muhurukuro yekuongororwa pamwe chete inogona kudhina mvura, kuwedzera kuvhiringidzika uye kunetseka, uye kunokonzera kutsamwa uye hondo dzinotyisa.

Saka chii chiri vaviri kuti vaite?

Usati wasunga pfumo, taura nezvekuti iwe uchabatanidza sei mari yako. Nyatsoratidzira maonero ako uye kurukurai mafungiro emarudzi akasiyana-siyana:

Rimwe Joint Account

Imwe nzira ndeyekuti umwe neumwe aise mari yako yose muhomwe yekuongororwa kwekombikiti. Kana iwe mose makasununguka nenzira iyi, zvirokwazvo ndiyo inonyanya kushandiswa. Kana mumwe wenyu ane zvikwereti kana kuti ane hanya zvakaipa pakuchengetedza cheki uye kubvisa ATM, izvi zvingasava nzira yakanakisisa iwe.

I-One-Method (Rimwe Joint Account Plus Maaka Akaparadzaniswa Akaviri)

Vakawanda varoorana nhasi vanogadzira gungano rekuongorora chekuita apo vachichengetedza mavoti avo ega. Vose vanobhadhara mari inobvumirana pamwedzi mushure mekuongororwa kwekambani uye kushandisa kambani iyi kubhadhara zvikwereti zvemhuri. Chimwe chezvakanakisa zvekuita nenzira iyi ndeyekuti munhu wese anochengetedza kuzvimirira uye kuzvimiririra mune zvemari, izvo zvinobatsira kudzivisa kushandiswa kwemari semasimba muhukama.

Kana nzira imwe chete-iyo inoshandiswa, taurirana nenzira yekutsanangura kuti umwe neumwe wenyu achagovera sei chekubatanidza kuongorora account.

1. Gadzira bhajeti, kuitira kuti iwe uzive zvawakagovera mwedzi wepamwedzi mari uye kuti zvakadini zvingadikanwa kupinda muchikamu chekutarisa chekuona.
2. Kana imi mose muri kuwana mari yakaenzana, inonzwisisika kune umwe neumwe kugovera idhora imwechete yakaenzana neyo joint joint. Kana mumwe wenyu akawana zvakanyanya kupfuura imwe, zvakakosha kupa mari pahuwandu hwepakati. Kuti uwane tsanangudzo yekuti ungaverenga sei zvipo zvako zvichienderana nehuwandu hwepakati, ona muenzaniso kumagumo echinyorwa ichi.

1. Isa gwaro rekuchengetedzana rekuchengetedza kuti mumwe nomumwe wenyu anopa zvipo zvekugoverana kwezvinangwa zvemari, zvakadai sekuchengetedza kubhadhara, kuisa mari, kutenga motokari itsva, kutora nguva yezororo, nekubhadhara dzidzo yevana vakojiji.
2. Ramba uchibhadhara yako kare kare yakakwereta kadhi rechikwereti, zvikwereti zvevadzidzi , nezvimwe zvikwereti zvezvemari kubva kumabhuku ako ekutarisa.

Ndeipi Ichasarudza?

Hapana imwe yenzira idzi dzakarurama kana dzisina kururama. Kuora mwoyo pamusoro pemari kunogona kupera uye pakupedzisira kunopisa ukama kana husingatauri nenzira inogutsa mumwe nemumwe wako, saka izvo zvakanaka ndezvokuti zvinoshanda kwauri semurume nemudzimai. Nokuda kwehukama hwenyu hwekugara kwenguva refu, imi mose munofanirwa kunzwa zvakanaka nezvekuti mari inoshanda sei muhukama hwenyu.

Muenzaniso: Unowana $ 25,000 pagore. Wawakaroorana naye anowana $ 50,000 pagore, pamutengo we $ 75,000 pamwe chete. Sarudza mupiro kuburikidza nekuita zviyero zvinotevera:

1. Wedzera mari yako yegore negore kumari yako yegore negore.
2. Gurai mubhadharo wakaderera nehuwandu hwekubatanidza mibairo kuti muwane chikamu chemhuri yakaderera yakabhadhara. $ 25,000 / $ 75,000 = .33 kana 33 muzana
3. Wedzera iyi purogiramu nguva iyo dollar inowedzera iwe iwe inoda mubhuku rekubatanidza kwegore negore kuti ubhadhara zvikwereti zvako zvakagoverwa. Uyu ndiwo mhomberero yepamusoro yekuwana vawani vemazuva ose. .33 x $ 3,000 = $ 990.

1. Bvisa ichi chiyero kubva kudhora rinowanikwa munyaya yebhuku. Ndiyo mupiro wepamusoro wemudzimai wepfuma. $ 3,000 - $ 990 = $ 2010.