Semuenzaniso, iwe une mishonga yemwedzi yega yega yebhadharo, mari yekudya, kana kubhadhara motokari. Kufarira kunewo mwedzi wega wega (kana kwete zuva nezuva), uye avo vanogara vachida kuverenga zvinowedzera kusvika kune nhamba huru pamusoro pegore.
Pasinei nokuti iwe uri kubhadhara chikwereti kune chikwereti kana kuwana mubereko munyaya yekuchengetedza, nzira yekushandura kubva pachiyero chegore negore kusvika kumwedzi wehuwandu yemari yakafanana.
Gurai na12
Danho rokutanga nderekuverenga mwedzi wekuda kwehuwandu. Kuti uite kudaro, igovera chiyero chegore negore ne12 kuti uzvidavirire kwemwedzi gumi nemaviri mugore rimwe nerimwe (ona Step 4 mune muenzaniso uri pasi apa). Iwe uchada kutendeuka kubva pazana kubva kune imwechete kusvika pakugarisa mafaira kuti upedze matanho aya. Gurai nenhamba yenguva dzenguva: Wakatanga negore rimwe chete nguva, uye uri kutsvaga gumi nemwedzi nguva. Pfungwa imwechete inogona kushandiswa nedzimwe nguva nguva:
- Nokuda kwechirongwa chezuva nezuva, gurai mutengo wegore negore ne 360 (kana 365, zvichienderana nebhangi rako).
- Kwepakati pechina, famura chikamu chegore negore nevana.
- Kwevhiki yevhiki nevhiki, gurai mutengo wegore negore nemakumi mashanu.
Muenzaniso: fungidzira iwe unobhadhara chikwereti pamwedzi pa10 muzana pagore. Chii chaunotora chikwereti chemari yako yemwedzi uye kuti uchabhadhara zvakadini (kana kuti iwe unowana) pa $ 100?
- Shandura chiyero chegore negore kubva kubva muzana kusvika pakupfukura mafaira (nekuparadzanisa ne100)
- 10/100 = 0.1 mwedzi
- Gurai mutengo wegore negore ne12
- 0.10 / 12 = .0083
- Verengai chikwereti chemwedzi che $ 100
- 0.0083 x $ 100 = $ 0.83
- Shandura chiyero chepamwedzi pamutengo wepamusoro kudzokera kune chikamu (nokuwedzera ne 100)
- 0.0083 x 100 = 0.83 kubva pagore
Unoda pepafurasi nemuenzaniso uyu wakazadzirwa iwe here? Onai Musha weMwedzi Unofarira Muenzaniso wepaSpreadsheet, uye ita kopi yemashizha kuti ushandise nhamba dzako pachako. Muenzaniso uri pamusoro apa ndiyo nzira inonyanya kukosha yekuverenga mwedzi mitezo yemari uye mari ye mwedzi mumwe chete . Asi iwe unogona kuve nekuona kukuru-mifananidzo yemari yako. Nezvikwereti zvakawanda, chikwereti chako chechikwereti chinochinja mwedzi wose. Uine motokari, imba, uye zvikwereti zvako, unowedzera zvishoma nezvishoma kubhadhara kwako nguva, zvichiwanzoguma nebhasiro rezasi mwedzi mumwe nomumwe.
Amamiti
Izvozvo zvinonzi mahedheni, uye tafura yekuita basa inokubatsira kuti uverenge (uye inokuratidza) kunyatsoita mari yaunenge uchibhadhara mumwedzi wega wega. Nokufamba kwenguva, uchacherechedza kuti mari yako yemwedzi inodhura inoderera - uye mari iyo inoenda kune chikwereti chako chikwereti chinowedzera .
Chikwereti chemusha chinogona kuoma. Zvakanaka kushandisa purogiramu yekuita zvekuita kuti unzwisise zvaunofarira, asi iwe unogona kuita basa rakawedzerwa kuti uone mutengo wako chaiwo. Iwe unogona kuziva APR pamutoro wako, asi APR inogona kuva nezvimwe zvikwereti kunze kwekuda mari (sekuvhara mari). Uyewo, chiyero chekugadziriswa kwemari yekutengesa mari inogona kuchinja.
Ne makadhi emakadhi, unogona kuwedzera mashandiro matsva uye kubhadhara chikwereti kakawanda mumwedzi wose.
Zvose izvi zvinogona kuita kuti zviverengero zviome, asi zvakakosha kuti uzive kuti kufarira kwako kwegore negore kunowedzera sei. Muzviitiko zvakawanda, iwe uchishandisa chikamu chemazuva ose cheyero , iyo inosvika muyeri yezuva rimwe nerimwe yakagoverwa nehuwandu hwemazuva mumwedzi mumwe nomumwe (uye mari yekubhadhara inotarwa achishandisa kuenzanisira kwemazuva ose). Mune zvimwe zviitiko, kufarira kunowirirwa zuva rega rega (saka iwe uverenge chidimbu chemazuva ose - kwete chiyero chepamwedzi).
Neakaunti dzebhangi, kufarira kunogona kupiwa kubhengi yako mwedzi wega, zuva rega rega, kana roga roga. Shandisa zvakaenzana kuverenga kwakaratidzwa pamusoro apa kuti uchinje kune imwe mwedzi (kana imwewo) chidimbu chechido uye uwedzere muyero neyeri yekero yako. Iva nechokwadi chekushandisa chidimbu chechido muhuwandu hwekuverenga - kwete gore rega rega yezvibereko (APY) .
APA zvikwereti zvekuwedzera, iyo inofarira yaunowana apo account yako inokura nekuda kwekubhadhara chikwereti .
APY ichave yakareba kudarika yako chaiyo yehutori kunze kwekuda kufarira kuwedzerwa gore negore, saka ichapa mhinduro isina kururama. Izvozvo zvakati, APY inoita kuti zvive nyore kukurumidzira kuziva kuti muchawana mari yakawanda sei gore negore pane rekuchengetera kambani musina kuwedzera kana kubvisa.
Periodic Rates
Sezvaunogona kuona, kufarira kunogona kuverengwa pamwedzi, zuva nezuva, gore negore, kana kupfuura imwe nguva ipi zvayo. Chero nguva ipi inoshandiswa, chiyero chaunoshandisa pakuverenga chinonzi periodic chikwata chekuda . Iwe unowanzowanzoona mitengo yakataurwa pamusoro pehuwandu hwegore negore, saka iwe unoda kutendeuka kune chero nguva yepamutambo inobatanidza mubvunzo wako kana kuti mhizha yako yemari.