Ndezvipi zviri nani?
Zvose mari inoshandiswa ichabuda muhomwe yako mberi (kunze kwekuti iwe unobhadhara mari yacho), saka izvo zvinoitika parizvino bhajeti zvakafanana. Saizvozvowo, zvose zviri zviviri uye kubhadhara kunogona kuderedza mari yako inowanikwa pamwedzi.
Zvisinei, kupfuura kwenguva yakareba, zvinoshandisa mari yako nenzira dzakasiyana.
Sekuvandudza kwakakurumidza, regai tiongorore musiyano pakati pepakati uye pasi yekubhadhara. Zvadaro, tichaongorora kana imwe sarudzo inogona kunge iri nani pane imwe.
Discount Points
Nhamba dzinokurudzira dzinoderedza chikamu pane chikwereti chako. Mukutsinhana kwekubhadhara nhasi, mutengi wako achaderedza chikwereti chechikwereti pane chikwereti chako. Izvi zvinowanzonzi "kutenga pasi mudivi" pane chikwereti chako nokuti iwe unotengesa kutenga mutengo wakaderera.
Kuti uve wakanyatsojeka, unogona kutaura kuti uri kubhadhara mubereko kare, uye wako chikwereti chiri kugadzirisa chikwereti chako chechido maererano.
Mari yekufarira haigone kuwanikwa - haungatori chikwereti shure kana iwe uchitengesa. Somugumisiro, unofanirwa kubatsirwa nemari iyo mune dzimwe nzira (uye ona kuti nhamba dzinowedzera). Kune nzira dzakawanda dzinogona kuita kuti iwe ubatsirwe nekubhadhara pfungwa, kusanganisira:
- Zvichida mitero inobhadharwa kubva pamari yaunoshandisa pamatunhu
- Kubhadhara kwepamwedzi kwepamwedzi, zvichiita kuti pave nehana yakanyanya kufanana nemamiriro ezvinhu mumakore anotevera
- Nhamba yakaderera pane chikwereti pamakore (kana iwe uchichengeta chikwereti kwenguva refu)
Pay Pay Payments
Kubhadhara kuripo mari yaunobhadhara mberi pamberi pekutenga mutengo weimba. Iyi mari inoderedza hukuru hwekwereti yako uye inomiririra wehuyo hunodiwa mukati memusha (kuwedzera kuenzana kwako ).
Iwe ndiwe muridzi weimba ipi neipi yaunayo, asi wako anokweretesa angave ane zvivako panzvimbo yacho kusvikira iwe uchibhadhara chikwereti chako chose.
Kuita kubhadharwa kwakafanana kwakafanana nekushandisa imba yako sehomwe yenguruve. Imba inoita sechitoro chekukosha: Kufunga kuti imba hairegi kurashikirwa, unogona kuwana kukosha ikoko kana uchitengesa imba. Zvimwewo, unogona kukwereta kurwisana nechikwereti ichocho nechechipiri mari yekutengesa kana kushandisa iyo kukosha sechikwata kune zvimwe zvido .
Mari Yako Iine Zvichemo Nezvepasi
Zvose izvi zvinoderedza nharo uye humwe huripo hwekubhadhara huchaderedza mari yako inowanikwa pamwedzi. Kubhadhara mwedzi mumwe nomumwe kunotorwa uchishandisa zvinhu zvishomanana:
- Chido chekufarira
- Mari yechikwereti (inozivikanwawo seyeri)
- Nguva yechikwereti (kana nguva yakareba iyo chikwereti chakarongwa kuti chigare)
Kana iwe uchideredza chimwe chezvinhu izvi, kubhadhara kwemwedzi kuchapfuura zvakare. Mukuwedzera, chikamu chekufarira iwe unobhadhara chichadererawo. Zvinofadza kuti iwe unogona kuchengetedza chikwereti chemari yezvikwereti, asi kuderedza kuwandisa kwekuda mari kuburikidza nekuderedza chiyero kana kupfupisa hupenyu hwechikwereti.
Kusiyana kwakasiyana kunoderedza kubhadhara kwako, asi vanozviita nenzira dzakasiyana. Nzira yakanakisisa yekuona izvi ndeyekuedza nekweretesa chikwereti kana kushandisa mashandisirwo ematafura kuti uongorore nzira dzakasiyana dzedzimba.
Chinonyanya kukosha, tarisa mari yekufarira kune nguva, uye pamusoro pehupenyu hwechikwereti.
Chii Unofanira Kuita?
Nekunzwisisa zviri nani kuti mari yekubhadhara uye mari yekuda mari inoshandiswa sei nechimwe nechimwe, iwe unofanirwa kunge uine nguva yakaoma kuongorora kusarudzira kwaunokweretesa (uye kusarudza kuti ungaitei nemari yako).
Kana uine mari iripo uye iwe unoronga kugara mumba mako kwenguva yakareba, pfungwa dzakakodzera kutarisa.
- Tarisa kuti inguva yakareba sei iwe uchachengetedza chikwereti chako. Nenguva yakareba, unogona kunge uri nani pakubhadhara mapepa uye kubhadhara chikwereti pazinga rakaderera.
- Chengeta nguva yakakanganiswa pamapota ako: Fungidzira kuti iwe uchachengetedza sei mwedzi pamubhadharo wako, uye uverenge kuti zvichazotora nguva yakareba sei kuti uwanezve mari yaunoshandisa iwe mberi. Zvadaro, yeuka kuti mari yako yekuda mari inogona kunge yakasiyana kana iwe uchibhadhara mapeji.
- Ongorora zvingave zvinokonzerwa nemitero pamwe nemudzidzisi wako wekuteresa. Kubhadhara zvikwereti zvingakupa kuderedzwa nhasi, uye izvozvo zvingava zvakakosha kudarika kufarira mari mune ramangwana. Usakanganwa kuti mari yekutora inogonawo kuderedzwa - asi kushandisa mari kubhadhara mutero kuchiri kushandisa mari.
- Ongorora zvimwe zvinoshandiswa pamari, uye sarudza kana iwe uchifanira kuita chimwe chinhu kunze kwokuisa mari kumusha wako.
- Sarudza kana iwe uchifunga kuti iwe uchakwanisa kugadzirisa pane chikwata chakanaka chiri nani mune imwe nguva iri mberi. Kana zvikwereti zvako zvikwereti kana mari inowedzera, unogona kukodzera chikwereti chakanaka. Saizvozvowo, tarisa pazvikwereti zvemari uye iwe kana kuti usatarisira kuti vauye, vawande, kana kuti varambe varipo.
- Mhanyai nhamba pamusoro pekubhadhara mari. Kuisa pfungwa muhomwe yako yemari chikwereti hachisi sechinhu chakanaka sekubhadhara kunze kwehomwe, asi zvingave zvakakodzera kutarisa.
Shandisa pfungwa dzekuverenga kuti uone kuti iwe uchabatsirwa zvakadini nekubhadhara pfungwa. Zvadaro, enzanisa iyo mari yekukweretesa maduku (uchishandisa tafura yekuunganidza). Somuenzaniso, pane $ 300 000 chikwereti, chengetedza mari yaunowana kubva kune chidimbu chechikwereti kana uchibhadhara nheyo mbiri (kana $ 6,000). Zvadaro, tarisa kuti chikwereti chinotarisa sei kana iwe ukakwereta $ 294,000 - uchiwedzera kuti $ 6,000 kusvika pakubhadhara chikwereti pane kuisa kune dzimwe pfungwa.