Zvinorevei kutora chikwereti kune chikwereti?
Nezvikwereti zvevadzidzi, iwe unogona kuwedzera mari yekufarira pane kubhadhara chikwereti sezvazvinouya. Nokuti mitero yekufarira inobhadhara chikwereti, iyo mhosva inowanikwa kune chikwereti chako. Somugumisiro, chikwereti chechikwereti chinowedzera nekufamba kwenguva uye iwe unopedzisira uine chikwereti chikuru chezvikwereti pakupedza.
Pane imwe nguva, iwe uchada kubhadhara iyo mitero yekufarira. Izvo zvinoitika nenzira yepamusoro yekubhadhara mwedzi mumwe nomumwe kana kubhadhara kunotora nguva yakareba kudarika zvavangadai vakadaro.
Mukugadzirisa, huwandu hwemari ndeye mari yose yekufarira kweprojekti. Panzvimbo yekubhadhara mari inofarira gore negore, mari inofarira inotorwa sechikamu chemari yakareba yemari yemari uye yakaderedza nguva.
Kunyanya Kufarira Kuda Kwevadzidzi
Nezvikwereti, sezvikwereti zvevadzidzi, iwe unogona kuva nesarudzo yekudarika zvishoma kubhadhara chikwereti chako.
Semuenzaniso, chikwereti cha Stafford chisingabatsiri chinokubvumira kuti udzoke maripo kusvikira wapedza chikoro. Icho chinhu chinonakidza nokuti chinobatsira nemari yako inoyerera mwedzi uno, asi inogona kuita kuti mari yakakwirira uye kuwedzerwa kwemari kudarika munguva yemberi.
Iwe uchida kana iwe usingakwanisi kubhadhara, chido chiri kuwedzera (kana kupiwa mhosva pamusoro pemari yako yemari).
Iwe wakakwereta mari, saka kufarira mitero kunowanzoenderana. Kana ukasarudza kusabhadhara chero chinhu, chikwereti chako chekubhadhara chikwereti paunopedza chikoro chichave chakakwirira kudarika mari yawakagamuchira uye yakashandiswa.
Cherechedza kuti nezvikwereti zvakabhadharwa , hurumende yehurumende inobhadhara mari iyo inoda mari, saka chikwereti chako chekukwereta hachikwanisi kutorwa.
Kuwedzera Kuenzanisa
Nharaunda inotora chikwereti inoita kuti chikwereti chako chikwerere kukura. Somugumisiro, hausi kungokwereta izvo iwe wakambotora chikwereti kuchikoro nekugara mari-iwe uri kukwereta kuti uvhare mari yekufarira. Nemhaka yeiyo, iwe unofanirwawo kubhadhara chikwereti kune chikwereti chaunokupa chikwereti chako.
Kudzokorora kuwirirana: Chikwereti chako chemari chikwerera chichikurumidza nekukurumidza sezvo chikwerero chaunotora "kukwereta" chiri kuramba chichiwedzera. Kubhadhara kufarira pamusoro pekufarira inzira yekumanikidzwa , asi inoshanda mumutengi wako-kwete yako. Imwe mutauro weiyi, iyo yaive inoda mari yechikwata musati matambudziko ekubhadhara chikwereti, kuipa kusagadzikana .
Chero kubhadhara kunobatsira: Kunyange kana usingadi kubhadhara chero chinhu, zvakanakire kubhadhara chimwe chinhu. Semuenzaniso, munguva yekushivirira kana kuregererwa , iwe ungasafanira kutora mubhadharo wakakwana. Asi chipi nechipi chaunoisa kune chikwereti chichaderedza kuwanda kwechido chaunoshandisa. Mutengi wako anokwanisa kupa ruzivo pamusoro pekuti chikwereti chakabhadharwa sei kuakaunti yako mwedzi mumwe nomumwe. Bhadhara zvishoma zvakadai kuti urege kupinda zvakadzama mune chikwereti . Kuita saizvozvo kunokuisa panzvimbo yakanaka kune zuva risingaverengeki apo iwe unofanira kutanga uchinge uchitora "amortizing" mwedzi miripo iyo inobhadhara chikwereti chako.
Kubhadhara Nguva
Sezvo uri mudzidzi, iwe ungasave usina hanya kana chikwereti chako chechikwereti chinowedzera mwedzi mumwe nomumwe. Asi kukosha kwekubhadhara chikwereti kuchakukanganisa mumakore amangwana-zvichida kwemakore akawanda ari kuuya. Izvi zvinoreva zvakare kuti iwe uchabhadhara chido chikuru pamusoro pehupenyu hwechikwereti chako.
Izvo "mari" yekwereti, kusazvidza chero imwe nguva yekubhadhara mari, ndiyo inobhadhara iwe . Mune mamwe mazwi, iwe unotsiva zvavakakupa, uye iwe unobhadhara zvishoma. Mari yako yose inotungamirirwa ne:
- Mari yaunokwereta: Yakakwirira chikwereti chako, chikwereti chaunenge uchibhadhara.
- Nharaunda yekuda kufarira: Iyo yakakosha yehuwandu, iyo inodhura kunokwereta
- Nguva yaunotora kuti udzorere: Kana iwe ukatora nguva yakareba, kune nguva dzakawanda (mwedzi nemakore) apo iyo chikwereti chako chinokwereta chido.
Kunyanya ne federal mudzidzi chikwereti , iwe ungasava neutungamiriri hwakawanda pamusoro pekuda kwechikwereti.
Asi iwe unogona kudzora mari yaunokwereta, uye iwe unogona kudzivirira mari iyo kubva kukura pauri. Asi kana iwe uchikwereta chido, hutori hwemwedzi wako (uye hupenyu hwekuda mari) huchakwirira. Zvakakura zvakadini? FinAid ine chikwata chekubatsira pakushandisa nhamba pamusoro pekuregererwa.
Kana uchida kuona kuti zvinhu zvinoshanda sei iwe pachako, unogonawo kushandisa shanduro (Excel kana Google Sheets, somuenzaniso) kuti uenzanise chikwereti chako . Ingoisa mitsara kune zero nokuda kwekufananidza kusarudzwa kwenguva.
Sei Uchifanira Kubhadhara Zvimwe?
Yeuka kuti chikwereti chako chakanaka chaunoda chaicho-icho chiduku chinodiwa kuti udzivirire kukuvadzwa kwekwereti yako uye mari yekupedzisira yekubhadhara. Iwe unogona kugara uchibhadhara zvakawanda, uye kazhinji kuchenjera kuita saizvozvo. Kubhadhara zvakanyanya pamakwereti ako kunobatsira iwe kupedza zvishoma pane zvekufarira, kubvisa chikwereti nokukurumidza, uye kukodzera kubhadhara zvikwereti zvakakura nemashoko akanaka mune ramangwana.