Chikwereti chakakosha chinogona kuwedzera pfuma yako.
Kune avo vane mari shoma shoma, kana avo vane tsika yekushandisa chikwereti kutenga zvinhu zvavasingakwanisi kuwana, chirongwa chekuderedza chikwereti chinosanganisira chirongwa chokubhadhara chikwereti musati warega basa chinogona kuita zvakawanda.
Asi zvakadini nevanowana mari yakawanda vanoita basa rakanakisisa rokuponesa, vakagara vachishandisa chikwereti nokungwarira, uye vanopfuura mamiriyoni kana kupfuura muzvinhu zvinotengeswa? Kune boka iri, kubhadhara pasi chikwereti musati warega kurasikirwa kungave kusina mari yakagadzirisa nzira.
Sezvo mambure ako akakosha kuwedzera, iwe ungada kutanga kutanga kufunga nezvechikwereti zvakasiyana; Kufunga nezvazvo - nekuishandisa - zvakanyanya sekambani yaizoita. Makambani anotarisa chimwe chinhu chinonzi chikwereti chavo, uye vanoshandira kuchengetedza chikwereti chakanaka chekuti chikwereti nokuti chinovapa ruzivo kwavari maererano nekushandura, kushandiswa, kuwedzera (kukwanisa kuwana mari yakawanda kuburikidza nekukura kambani kupfuura zvavanobhadhara pamutengo yokukwereta), uye kubhadhara mitero.
Kushandisa Chikwereti Sekambani
Sezvaunowedzera mari uye yezvigadzirwa zvemaimba anotanga kufunga nezvechikwereti sechinhu. Izvi zvinoreva kudzidza kuti ungashandise sei pane kuisa pfungwa pakubvisa zvachose.
Iwe unogona kutora mazano anokosha pamusoro pokuti ungafungira sei pamusoro pemari chikwereti kune mari yako pachako mubhuku rinonzi The Value of Debt: Tingatarisira Sei Zvose Zvakasara zveBhanji Sheet kuti Kuwedzere Pfuma naThomas J. Anderson. Tom ane MBA yake kubva kuYunivhesiti yeChicago, akaenda kuWharton School yeYunivhesiti yePennsylvania, uye ane hutano hwakawanda hwehupfumi hunoenderana.
Akashanda mubhengi rekutsvaga mari muNew York uye anotora nzira yakasiyana yekushandiswa kwekambani yezvemari kumabhadharo emunhu.
Mubhuku rake anotaura zvinhu zvakadai se:
- Sei kushandiswa kwemari chikwereti kusinganzwisisi?
- Maitiro ekutarisa zvinhu uye chikwereti kubva kumba.
- Zvakanakira kugadzirisa Simba-Based Based Loan Facility (iyo inonyanya kushandiswa kwekwereti yekwereti uchishandisa mari yehutori senhaka).
- Neiko, iwe paunotarisa chikwereti maererano nekwereti chikwereti, zvinganzwisisika kuva nechikwereti chakawanda, kwete chikwereti chiduku, semukero wako unokosha kukura.
- Izvo zvinogona kubhadhara mutero wekushandisa chikwereti kuti uwane mari yekubhadhara mari.
Ndakanzwa Tom achitaura muDenver muna 2014, uye anoenderera mberi achisimbisa kuti mazano ari mubhuku rake anobva pachikonzero chekuti iwe unofunga kufunga nezvemari yako pachako nenzira imwecheteyo neCFO (Chief Financial Officer) anofungisisa uye anotarisira mari yebhizimisi.
Mubhuku rose anotaura chirevo chokuti "zvimwe zvose zvakaenzana, chikamu chekudzivirira-chechi chikwereti uye chikwereti chiri nani kudarika chikamu chikuru chekushaya simba uye pasina chikwereti."
Chikwereti muHorera
Bhuku racho rakandibatsira kuti ndione basa rekwereti yepamusoro mumatare inokosha ekutora mari muhupenyu hutsva. Panzvimbo pokushingaira kubhadhara chikwereti kuti ugadzirire kubhadhara kunogona kunge kune nzira yakanakisisa yemhuri yepamusoro yekuwana kushandisa zvinhu.
Imwe nzira inogona kuburikidza nekushandisa kufarira-chete mari yekugadzirisa munzvimbo panzvimbo yezvikwereti zvemari, iyo inosunungura mari yakawedzerwa. Iwe zvino shandisa mari yakawedzerwa kuti uwane zvimwe zvinhu.
Mukuwedzera kwezvinyorwa zvinowanikwa zvikwereti semari yekuchengetwa kwemisha yekwereti kana kuvharwa kwekodhodhi yemarikiti (chimwe chinhu chakasiyana zvakasiyana nemari yemukwereti) ingasarudzwa zvakanaka kuti ive nechinzvimbo chokushandisa kutenga kutenga motokari, kuisa mumabhizimusi, kubatsira mwana mukuru, kubhadhara mari dzidzo yezukuru, kana kutenga imba yechipiri. Kubatsira kune marudzi aya emari yezvikwereti ndeyokuti kana ukazigadzirisa, mari yacho yakagadzika paunenge uchida. Izvi zvinogona kubvisa nguva uye kukanganisa kwekukwereta kwekukwereta kwekuita zvinowanikwa nemasarudzo ekugadzira mari.
Kana iwe uri muhomwe yakakwirira, mari yakakwirira yakakosha yemhuri, ndinoda kukurudzira kuverenga bhuku uyezve kufunga-sarudzo yako kune chikwereti.
Asi sezvo Tom anokurumidzira kuratidza, haisi nzira yekutorwa nevaya vane tsika yekutenga zvinhu zvavasingagoni kuwana. Chikwereti chinonyatsoshandiswa sechinhu chemari kune avo vari kutenga zvinhu zvavanogona kuwana.