Mari Inowanikwa
Mari yako iripo ndiyo mari yaunogona kushandisa ikozvino.
Iwe unogona kufunga nezvazvo se "mari inowanika kuti iende," asi kune nzira dzakawanda dzokushandisa mari.
Bvisa mari: iwe unogona kutora mari iyo kubva kubhuku rako mukoti, kana paATM kana nebhadha rinotaura. Kana ukashandisa chikwereti chekambani chinobatanidzwa muchikwata chakagoverwa, iwe unogona kutora mari kune dzimwe nhengo dzezvikwereti munyika yose .
Shandisa nekadhi yako yekubhadharira: kadi yako yebhengi inokwevera kubva pakero yako yekuongorora, kuitira kuti iwe unogona kuishandisa chete kana une mari iripo. Shandura kana kuisa kadhi yako kumudzidzi wekadhi, kana kuti utenge kutenga paIndaneti nemari iyo.
Nyora cheki: cheki inobhadharwawo kubva pakero yako yekuongorora. Misiyano ndeyokuti inogona kutora mazuva mashomanana ebhizinesi (kana kwenguva refu, kana wako payee akamirira kuisa cheko) kuti kubhadhara ikoko kuratidze munhoroondo yako. Paunonyora cheki, unofanira kufunga kuti mari haisisipo - kunyange bhangi rako rinoti iwe unogona kushandisa mari iyoyo.
Ichi ndicho chimwe chinhu chaunoda kuti uzviongorore iwe pachako, uye icho chiri nyore kana ukashandisa check rekister kana iwe uenzanisa kero yako nguva dzose .
Kubhadhara mari: mari inowanikwa inogona kushandiswa mubhadharo rekubhadhara mari yepaIndaneti (kana iwe uchigadzira mubhadharo kubva kubhangi rako kana biller yako inokumbira bhanki yako mari.Kana mabhidha ako achikwevera kubva kubhuku rako nekutsvaga, iva nechokwadi chekuchengeta mari yakakwana.
Kwete Hamuripo
Dzimwe nguva iwe uchaona huripo huripo huri pasi kudarika kubhadhara kero yako. Mune zviitiko izvi, iwe unogona kungoshandisa mari yako iripo (kana pasi kana iwe uine chekuita zvakanyanya ), uye mari yose iri kubatwa nebhangi rako .
Iko kune zvikonzero zviviri zvezvikonzero zvepasi iripo iripo:
- Dhipatimendi ku account yako hazvina kubviswa zvakare
- Iko kuri kumirira kubviswa kana kupiwa mvumo kupikisa akhawunti yako
Dhipositi: kana ukaisa mari muakaunti yako, bhangi rako haringakubvumiri kushandisa mari yacho pakarepo. Havana kuziva kana kubhadhara kuri kwakakodzera, uye mari inotora mazuva akawanda (zvichida) kutumira. Iwe unogona kushandisa zvikuru kusvika $ 200 nezuva rinotevera rebhizimisi (kana $ 5,000 kana ukaisa mari inodarika $ 5,000 mumacheke pazuva rimwe chete), uye mamwe mabhanki anokuita kuti ukashandise mari yako nokukurumidza - kunyanya kana iwe uri nguva yakareba mubati asina nhoroondo yekuisa cheki dzakaipa. Hurumende yakabudisa kuongorora sekubhadhara mitero kunogona kuwanika nokukurumidza. Zvisinei, zvimwe zvinhu, sekuchechechedza uye kutarisa kubva kune dzimwe nyika, zvinotyisa uye mabhanga anotora nguva yakareba kuti asunungure mari iyo. Mabhanki achabata kunyange chekeri chekuchechera kwemazuva mashomanana akawedzerwa mune dzimwe nguva.
Kutaura zvazviri, bhagheni rako ringangokuitira iwe nyasha.
Kana chekiti inoputika, iwe uri mutoro wemari. Saka kana ukashandisa mari kubva kune chekuita zvakaipa , iwe unofanira kutora mari iyo mubhadha yako yebhangi ( uye kubhadhara mari kubhengi yako, izvo zvisingaoneki zvakarurama). Kunyanya iwe unopedzisira uchingoridza cheki, kutengesa mari , uye nezvimwe. Kana iwe ukambova nekusahadzika pamusoro pechikwereti, kumirira imwe nguva usati watora mari.
Ramangwana rekusiya uye magwaro anogonawo kuderedza mari yako iripo. Kana iwe wakaronga mubhadharo unotevera kuburikidza nebhengi rako rekubhadhara mari yepaIndaneti , iyo mari haichawanikwi nokuti bhangi inoziva kuti mari yacho yatotamira kunze kwemukova. Izvozvowo ndezvechokwadi paunosvitsa kadhi yako yebhadharo : bhangi inoziva kuti iwe unoda kushandisa mari. Makadhi ekubhadharira, zvisinei, anogona kunyanya kuoma - dzimwe nguva vatengesi vanobvumira kupfuura zvaunenge uchizoshandisa, uye vanogona kuvhara chikwereti chako chose (izvi zvinoitika kakawanda pamagetsi emotokari, mahofisi emotokari emotokari, uye mahotera).
Dzimwe nzvimbo dzinongobvumira $ 100 kana kupfuura nguva dzose paunoshandura kadhi rako, uye kuti mari inogona kusungirirwa kwemazuva mazhinji ebhizinesi.
Kunyangwe iwe usingakwanisi kushandisa mari yako, zvinobatsira kuziva kuti iwe une zvakawanda sei (kana wakanga uine) uye kuti yakawanda sei inogona kuwanika apo vose avo vanobvisa kuenda. Saka bhangi rako rinopa mamwe mazamu iwewo.
Zvimwe Maharuro
Mukuwedzera pane yako iripo, iwe unogona kuwana " balance balance " kana " kuenzanisa ". Mihairiro iyoyo inosanganisira mari yako yose, kusanganisira mari yose iripo uye mari iripo.
Kana iwe uchida kuwedzera kaviri-chengetedza matanho ebhengi rako, iwe unogona kugara uchienzanisa ne-akhawunti yako iwe pachako . Mukuwedzera pakukubatsira kubata zvikanganiso, ndiyo nzira yakanaka yekucherechedza kushandisa kwako uye kubata chero upi zvake hwekuziva usati hwabuda. Iwe unowanzochengetedzwa kubva pane zvikanganiso nekunyengera, asi unofanirwa kuita nekukurumidza kuwana rusununguko rwakakwana runowanikwa pasi pemutemo wehurumende.
Kudzivisa Mari Yakasviba
Kune chikamu chikuru, unovimba nebhangi rako kuti ubudise mari. Zvisinei, kune nzira dzekudzikisa mikana yekero yako inoshanda yakaoma.
Kutumira mari inobhadhara mari muakaunti yako nokukurumidza. Kana iwe waunoshandira achiri kukubhadhara ne cheki, chengetai kuti uwane mari yehuteresi kuitira kuti mari yacho iende yakananga kubva kubhengi yako yebhangi kubhengi yako yebhangi. Iwe haufaniri kumirira pane cheki (kunyanya kana inopinda nemusiyo), uye haufaniri kuenda kumatambudziko ekuisa cheko. Sebhonasi, mari yacho inokwanisa kutora kero yako zuva rimwe chete kana maviri mapeji asati adhindwa, uye mamwe mabhangi anopa zuva rimwechete-kuwanika kweavo vanobhadhara.
Chengetedza mari yemari muakaunti yako kuti ikuchengetedze kubva kune zvisingatarisirwi mari uye kunonoka. Kana iwe uchingogara uchi "famba mumhepo," iwe pakupedzisira uchava nechinetso. Kambani kadiki yemari inogona kukubatsira kudzivisa matambudziko. Kana izvi zvisingakwanisi, tarisa mukati rekuchengetedza kwerejireji , asi ingopinda mubvunzo kana iwe uchizoishandisa senhare yekuchengeteka - usaita tsika yekubhadhara mari iyo - uye shandisa mari yakawanda inodhura yebhadharo kana zvichibvira .