Bank Rates uye Economy
Mamiriro ehupfumi ndiwo anonyanya kukosha mubhadharo yekutora mari. Zvingangodaro iwe unowana mari yakawanda kana zvishoma zvinotarisirwa nemitengo munyika yose.
Kune chikamu chikuru, bhizinesi rekuda mari inotevera mamwe madhora. Kana mitero "kunze uko" yakadzika, haugoni kuwana mari yakawanda pamari yako kubhangi; apo chikwereti chinowedzera chikamu chichikwira, mabhidha ayo anotevera.
Mitengo yakaderera munguva dzenhepfumi dzenguva. Icho hachisi mari yakawanda yemari, saka iwe hauna mubayiro wekupa iyo kubhangi rako. Hapana mutsara wevatengi vanorova pamusuo webhangi vachikumbira zvikwereti. Bhizinesi iri kufara kutora mari yako, asi haigone kuita zvakawanda nazvo, saka vanokubhadhara chidimbu chakaderera.
Kusiyana Bhengi, Kusiyana Kwemazana
Mari zhinji yebhangi inofanirwa nehuwandu inenge yakaenzana nehuwandu humwe, asi ipapo pachava nekusiyana. Mamwe mabhengi anotora zvakawanda kupfuura zvimwe zvechigadzirwa chimwechete (sezvikwata zvekuchengetedza, somuenzaniso). Hazvishamisi kuwana mutsauko we1% APY kana kupfuura pakati pemabhengi, uye izvo zvinogona kuwedzera.
Sei mabhizinesi emabhangi epamusoro ari kupfuura mamwe? Mabhangi anokwidza mitsara pavanoda kuunganidza mari.
Kana vachida kuisa mumusuo, chikwata chakanaka pamari yekuchengetedza chichakwezva mari. Kana kune rumwe rutivi, havadi mari, vanogona kuchengeta mitengo yakaderera.
Mabhangi ane nzira dzakasiyana dzekuwana mari . Vamwe vanotora mari uye vanokweretesa kunze, asi vamwe vanotora nzira yakasiyana-siyana (kuwana mari uye mari kubva kune dzimwe sangano semakadhi emakwereti uye bhizimisi rekubatsira).
Zvichienderana nehupfumi - zvichida hupfumi hwemunzvimbo mabhanki maduku uye zvikwereti zvezvikwereti - uchaona kuti "kukwereta nekukweretesa" mabhenji kuchinja maitiro sekudiwa kwevatengi vavo.
Sangano rehurongwa rinokosha zvakare. Dzimwe mabhengi vane vashandi vanobvunza kuti bhanga rikure (uye / kana kugoverana mari nevanosara), uye zvakaoma kuti mabhengi abhadhara mari yakakwirira kune vanoisa mari. Zvisinei, mamwe mabhangi anokwanisa kuchengeta chete zvavanoda kubhadhara zvikwereti uye kugovera mamwe ose emari (kubva kune chikwereti, mari yeATM , nezvimwe) nevabhengi vebhuku. Mabhangi maduku uye zvikwereti zvezvikwereti zvinogona kunge zvakakodzana nemuenzaniso wekupedzisira.
Tora Better Bank Nhamba Dzakanaka
Chii chaungaita kuti uwane mari yakanakisisa ? Kana mitero, inowanzo, yakaderera, haugone kuita zvakawanda kuchinja hupfumi - asi iwe unogona kutsvaga mazinga pamucheto wakakwirira wehuwandu hwemari inowanika.
Chokutanga, ona kana kuti hazvina kukodzera nguva yako yekudzingirira nepamusoro yebhangi inotora mutengo. Vanhu vazhinji havadi muzinga wepamusoro kunze uko (kana kunyange pamusoro-gumi-percentile rate). Itai mathemoni uye muone kuti muchawana mari yakawanda sei kana iwe uchifanira kushandura mabhenji, uye yeuka kuti mari yako ingave "isina chinhu" - kwete kuwana chido - iwe uchifamba-famba.
Kana uchida kuwana mari yakawanda, shandisa pedo. Tanga nekutsvaga imwe yeiyo yega yezvikwata zvinotevera:
- Makomba makuru edzimba
- Mabhenji emadzinza maduku
- Mabhandi eIndaneti
- Zvikwereti zvekodhi
Sezvaunotengesa-shanduka, tsvaga "specials." Kana mabhendi achida kuunganidza zvinhu, vanowanzoisa zvizivo mumapepanhau emunharaunda, mabhodhi, uye mamwe mhizha. Mitengo yavanoshambadza ingasazogara nokusingaperi, asi unoziva kuti uchaita zvakanaka - kwekanguva kwechinguva. Websites uye maforamu akazvitsaurira kune "maitiro" zvakare nzvimbo yakanaka yekuongorora, kusanganisira:
- Slickdeals.net
Pakupedzisira, taura nevashandi pamabhangi maduku uye zvikwereti zvemakwere kana mune zvinhu zvinokosha. Bvunza zvavanokwanisa kupa kana ukaunza mari yako kune avo - mutungamiri webazi anogona kunge ari pasi peimba, uye iwe unogona kuwana chipo chinonaka panzvimbo iyo. Chimbofunga kuti ungagona sei kuvhara zvinhu zvacho, uye kubvunza zvavanogona kupa nokuda kwekuzvipira kwemwedzi 12 kana 36.
Kana iwe ukazviwana uchitarisa kune masangano iwe usingazivi, iva nechokwadi chokuti ivo FDC vanochengetedzwa (kana NCUSIF vanovimbiswa kana iri chikwereti chechikwata ). Zvinokwanisika kuwana zvakawanda kuburikidza nokutora njodzi yakawanda, asi izvo zvingasava izvo zvaunofarira.