Chii Chikwereti Kutanga Mari?
Kutangira mhosva ndeyebhadharo yaunobhadhara kune waunokweretesa kuti ushandise mushandi wako wechikwereti. Zvichienderana neunokupa chikwereti, mari inogona kuiswa mumutsetse mumwechete, kana kuti inogona kuve yakarongwa.
Mamwe mazita ekubhadhara mari anosanganisira mari yekukumbira, mari yekunyoresa, uye mari yekugadzirisa. Vanokweretesa vatengesi vanogonawo kusanganisira "zvikwereti," izvo zvinosarudzwa zvekubhadhara izvo zvinokubvumira kuti uwane chidimbu chechikwereti.
Izwi rokuti "kushandiswa kwemari" haritauri zvakawanda, asi vanokweretesa vanobhadhara mari iyi yemabasa ose anodiwa kuvhara chikwereti chako. Mamwe emabasa aya anosanganisira:
- Kuunganidza nekugadzira zvinyorwa zvako
- Kuongorora mafungiro ako, akadai sekuzvitsvaga basa raunowana, mari yekubhadhara, uye kubviswa
- Kukumbira ruzivo kubva kune vashandi, IRS, nevamwe
- Kutsigira kuti magwaro acho ndeechokwadi
- Kuvimbisa kuti kushanda kwako kunosangana nemiganhu yehurongwa hwehurumende, kana kuti inogona kutengeswa kune vashandi
Kuti uone zvikwereti zvako, chengetedza chikwereti chako chekukweretesa, icho chiri chidimbu chemaji matatu chinoratidza mashoko anokosha pamusoro pemari yako. Inosanganisira kubhadhara kwako kwemwedzi, kubvumira mari, uye mamwe mashoko.
Kana iwe usati uine Hutori hwekukweretesa kubva kune umwe neumwe waunenge achifunga, tora chimwe-hapana chinhu chakasununguka kusvikira uyo anopa chikwereti achipa iyo nyandiko.
Nzira Yokuderedza Nheyo Dheyo
Kana iwe uchizeza kubhadhara zviuru zvemadhora kuti atange mhaka dzemhosva, une maitiro akawanda.
Tenga zvakapoteredza: Nechikwereti chipi zvacho chakakosha, zvinokosha kuti uwane zvinyorwa zvinenge zvitatu zvakasiyana-siyana.
Enzanisa chiyero chekufarira uye chikwereti chekwereti chekubhadhara kuti uwane zvakanakisisa kugadzirisa. Mazita chaiwo anoshandiswa pamitambo yepakutanga haina kukosha kudarika iyo yose madhora emari.
Kungobhadhara: Inzira yakarurama kupfuura dzose ndeyekubhadhara mari yepamusoro. Iyi ndiyo nzira inorwadza zvikuru, asi iwe unogona kuziva kuti uri kushandisa mari yakawanda sei, uye iwe une mukana wekutora mari shoma apo iwe uchibhadhara mberi. Vashambadziri vanogona kukurudzira "hapana mari" yezvikwereti , asi hapana anovandira musingabhadhari. Kana uchingowedzera kubhadhara mberi, iyo yakakwira iwe muzinga wako uchava.
Wana zvikwereti: Unogona kusarudza kutora chikwata chapamusoro kuburikidza uchishandisa pfungwa dzisina kunaka kana zvine musoro kuita saizvozvo. Nokugamuchira chikwata chapamusoro, wako chikwereti achaita kuti mari iwanikwe (inozivikanwa seye chikwereti chikwereti) kubhadhara mari yekuvhara. Asi zvakanakisa kuita izvi nemutengi wekunze ari kukuratidzira iwe maitiro akawanda-uye uye pasina chikwereti chikwereti. Nezinga rakakwirira, iwe uchabhadhara kufarira kwakanyanya pamusoro pehupenyu hwechikwereti chako, saka pfungwa dzisina kunaka dzinonyanya kufunga kana iwe uchichengeta chikwereti kwenguva pfupi.
Kukurukurirana: Bvunzai chikwereti chenyu kuti mushure mekubhadhara mari yekutangira musina kuchinja mutengo wekuda. Iwe haugone kubudirira, asi hauzombozivi kunze kwekunge iwe uchikumbira. Iwe unayo mukana wakanakisisa wekuponesa mari kana une chikwereti chikuru , chinyorwa chisingabatsiri chemari, uye chikwereti chakakura.
Gamuchira zvipo: Kana uine hama dzakanaka, bvunza iwe chikwereti chako pamusoro pekubhadhara chikwereti chekubhadhara mari nemari ine zvipo. Mari yacho inogona kubuda kubva kune imwe nhengo yemhuri iyo inoda uye yakakwanisa kukubatsira kunyora chipo ichi nekunyora.
Mutengesi kugutsikana: Kana uri kutenga nzvimbo ( kusingapesana nekugadzirisa ), mutengesi anogona kukwanisa kubhadhara mari yekuvhara iwe-chero bedzi shanduro yekutenga inobvumira izvi. Kunyange mumutengesi wemutengesi, izvi zvingava sarudzo kana iwe uchigadzirisa mupiro wako wekutengesa kuratidza kubvumirana.
Unofanira Kubhadhara Zvii?
Kubva kutora mhosva kunobva pane zvinhu zvakawanda. Iwe unogona kutarisira kubhadhara zvishoma ne 0.5 muzana yekugadzirisa mhaka, kana kune imwe nzvimbo inenge 2 muzana pamucheto wakakwirira. Zvisinei, dhiyabhorosi anogara ari muhuwandu, uye iwe unoda kuongorora mari nemamwe mashoma-kufanana nekutora chikwata-mupfungwa.
Kuti zvikwereti zvikuru, mari inofanira kunge iri pamucheto wezasi weiyo mararamiro. Asi zvikwereti zviduku zvinotora basa rakafanana rebasa, saka vakwereta vangabhadhara zvakanyanya mhemberero dzemhosva.
Zvakadini nehupi? Yeuka kuti kutanga kwemhosva uye zvishoma zvishoma kunobhadhara zvinhu zvakasiyana. Nharaunda inoderedzwa inoderedza chikwereti chako chekuda, uye mari yekutanga inopa chikwereti chako chekuvhara chikwereti chako. Zvisinei, izwi rokuti "nhovo" rinoshandiswa zvisina kurongwa kuti ritaure chikamu chimwe chezvikwereti zvemari yako, iwe uri kutaura nezvekugadzirisa mari kana kuti zvishoma zvishoma. Nguva dzose bvunza kujekeswa kana iwe usingazivi kuti chikwereti chiri kureva chii.
Zvimwe Kuvhara Mari
Mavambo ekutanga haasi ega chete mari yaunobhadhara. Iwe uchabhadhara mari yakawanda yekuvhara, iyo inowanikwawo pane peji yechipiri yeMari yako Yakaenzana. Izvozvo zvinosanganisira mabasa anopiwa nevechitatu-mapoka, asi mukwereti wako anoronga mabasa iwayo, kuitira kuti vangaita sevanokweretesa zvikwereti. Somuenzaniso, vateresi vanoda kutarisa chikwereti chenyu, kurongedza kuongorora , uye kuunganidza mari yemari yehurongwa hwehurumende dzakadai seFHA zvikwereti . Kune dzimwe mari yekuvhara, iwe unogona kutengesa kumativi ose owana mutengesi anokwereta zvishomanana-zvichida kuponesa mazana emadhora.
Zvose, mari yako yokuvhara-nemari yekutanga uye mamwe mhosva-inogona kuva pakati pe2 muzana uye 5 muzana yemari yako yezvikwereti.