Ongorora Maitiro uye Unyanzvi wekubatanidza Aunti yako yeBhanki Nomudzimai Wako
Kune vakaroorana vakawanda, kambani yekubhengi yebhangi ndiyo chiratidzo chokupedzisira chekufananidza mari yavo.
Asi izvozvo hazvirevi kuti ihurumende inoshanda kune vose vakaroorana. Muna 2016 TD Bank Survey, 76 muzana yevamwe vakaroorana vakati vakagovana nekambani imwe bhangi. Izvozvo zvinoreva kuti chinenge chikamu chemaviri vanochengetedza mari yavo yakasiyana. Zvinoshamisa kuti mireniyadhi makanga musingagoni kunge muchida kugovana ma bank account, muchienzaniswa nezvizvarwa zvakwegura.
Kana iwe uchangobva kuchata, kana muhukama hwepanguva refu, kusarudza kugadzirisa mabhengi ako ebhangi chinhu chinokosha. Kuenzanisa kubatsirana uye kukanganisa kwezvinhu zvose zviri zviviri zvinogona kubatsira pakuita chisarudzo.
Makomborero eAll Account Bank
Kuva nekombiyiti imwe yebhangi inopa huwandu hwezvipo. Semuenzaniso, kugovera kambani kunobvumira mumwe nomumwe kuti awane mari kana vachida. Joint bank accounts inowanzopa mumwe webhengi nekadhi yebhadharo , bhokisi rekuongorora uye kukwanisa kuita mari uye kubvisa mari. Kana bhanhire rako richikupa, mumwe nomumwe wenyu angadawo kuwanikwa paIndaneti ruzivo rwezvigwaro uye zvishandiso, izvo zvinogona kuita nyore kubhadhara zvikwereti uye mamwe mabasa akagoverwa emari.
Dzimwe nhau dzepamutemo dzinoshandiswa zvakare nekambani dzebhangi dzekambani. Muchiitiko apo mumwe mukadzi anenge apfuura, mumwe wake achachengetedzeka kuwana mari mune imwe nhaurirano pasina kuverenga kune kuda kana kuenda nenzira yepamutemo kuti ataure mari yacho. Zvichienderana nemitemo yehurumende nemunharaunda, mukadzi anenge ari mupenyu angafanira kutora nzira yakareba yepamutemo yekuda mari mune imwe nhoroondo.
Pakupedzisira, imwe yezvinyorwa zvakakosha zvebhuku rekubhangi rebhangi nderokuti pane mukana muduku wekutarisana nemari "zvishamiso" apo mari yose inopinda uye inobva mune imwe nhoroondo yaunogona kuona iwe mose. Vakaroorana vakaroorana vanogona kuwana zviri nyore kuchengetedza mari yavo nokuti mari yose inobva mune imwe nhoroondo. Izvi zvinoita kuti zvive nyore kukanganwa basa rebhuku, zvakadai sekusiya uye kubhadhara, uye zviri nyore kuenzanisa mabhuku ekupedzisira pamwedzi.
Zvinyorwa zveApt Account ye Joint Bank
Kunyangwe kugovera kambani yebhangi kunogona kuita nyore mari yako yekugadzirisa sangano, vamwe vakaroorana vanganzwa kurasikirwa nekusununguka kwezvemari nekambani yebhangi yakabatana, kunyanya pakutanga kwechato. Nezvenhoroondo dzakasiyana , mumwe nemumwe anoramba ane dunhu rimwe nerimwe rekusununguka pamari yavo.
Chimwe chinetso chikuru chekugovana nekambani yebhangi yakabatana ndeyokuti inogona kukonzera nharo muwanano kana vakaroorana vasingatauri pamusoro pebasa ravo rebhuku. Zvinetso zvinogonawo kusimuka apo mumwe mudzimai anopinda muwanano nevadzidzi vechikwereti , makadhi echikwereti, alimony, rubatsiro rwevana kana chimwe chikwereti chinofanira kuwanikwa iye zvino nemari inowanikwa. Izvi zvinogona kukonzera kutsamwa mune mumwe mudzimai, uyo anova nemhosva yekubhadhara chikwereti .
Kuti urege kudzivisa mari, vakaroorana vanofanira kukurukura zvikwereti zvavo zvakasiyana-siyana vasati vasarudza kuti rudzi rwebhengi runoshanda zvakadini kwavari.
A joint joint can also be problematic if the relationship ends. Kana vaviri vacho vakasarudza kuparadzanisa nzira, mari iri mubhuku rekubatana inogona kuva yakashata kuti iparadzanise. Mumwe nomumwe wavo ane kodzero yekubvisa mari uye akavhara kambani pasina kubvumirana kweimwe, uye imwe sangano inogona kubva pane imwe seni. Yakaparadzanisa mabhangi mabhengi anozvidzivirira izvo zviitiko uye zvinogona kubvumira kukanganisa kwakajeka kazhinji kusingarevi kurwisana kwenguva refu kuti zviparadzanisa zvizere mari.
Achishandisa Separate Bank Accounts
Kana iwe newawakaroorana naye muchida kuchengetedza makambani akasiyana ebhangi, iwe unofanirwa kuva nehurukuro pamusoro payo pakutanga kwechato kana zvichiita, kana zvisati zvaitika musati waroorana. Kuongorora kubatsirwa uye kukanganisa kwezvose zvingasarudzwa zvinobatsira kusimbisa nheyo yakasimba yezvemari uye kuvimbisa kuti mumwe nomumwe wavo ari papeji imwe chete.
Vakaroorana vanodzokorora zvisarudzo zvavo nguva dzose vanogonawo kuwana kubudirira kuburikidza nekuita kuti sarudzo yavo ichiri kuvashandira.
Kuva neakaenzana mabhangi mabhangi hakubvisi mutoro kune mumwe wako. Iwe uchiri kuda kushanda kuburikidza nemari iyo mabhiridha achabhadharwa, ndiani ane mhosva, uye ugare uchikurukura kuti uyananise mabhuku ako nemari. Iwe unogonawo kusarudza kuchengetedza imwe kana maviri majoyinendi akabatana akaita sekambani yekuchengetedza pamwe chete kuchengetedza kune zvinangwa zvemari pamwe chete.
Vakaroorana vanogona kusarudza kuchengeta nhoroondo dzakasiyana-siyana uye vanozarura nhaurirano iyo iyo yavanoisa chikamu chemari yavo yavanobvumirana nayo. Nenzira iyi, imi mose munonakidzwa nekubatsirwa kwenyaya yakabatana muchiri kuchengetedza rusununguko rwemari yakapatsanurwa. Vakaroorana vanogonawo kusarudza kugara vakasiyana vachiongorora maakaunti uye kutanga sangano rekuchengetedza rekuchengetedza kwemazororo, kubhadhara mari yeimba, vana vekuchikoro , kana kuti kubhadhara.
Kugadzirisa Zvinangwa Zvemari seChikwata
Sezvo iwe nemumwe wako muchigadzirisa nezvekugadzirisa kambani yebhandi yakabatana kana kuchengetedzana mabhengi ega, ungaona kuti kuchenjera kugadzirisa zvinangwa zvemari pamwechete mumamiriro ose ezvinhu. Kana uine hurukuro dzezvemari, mamwe mibvunzo yekubvunza ndeyi:
Ndeipi nzira iyo tikabhadhara chikwereti chatakaunganidza pamwe chete kana kuti zvakasiyana?
Ndeipi nzira iyo isu tichiita mari?
Tinoita sei kushandiswa kwezuva rega rega pazvinhu zveimba?
Ndezvipi zvingagara zvichishandiswa mumba, zvakadai sekubhadhara mari kana kushandiswa kwezvikwereti zvinoparadzaniswa?
Tinoshandisa sei njodzi dzenjodzi?
Iva nehurukuro dzakawanda dzemari nemumwe wako nguva nenguva kuti uone kuti chii chinonzwisisika. Sezvo imwe nyanzvi yezvemari yakataura, tauya nehuwandu hwemari pane gore negore kuitira kuti iwe unogona kufunga nezvekushandisa kwauri kushandisa nekugadzirisa mari yako sevakaroorana kuitira kuti iwe unakidzwe nako kwenguva refu.