Imwe yenzira dzisinganzwisisiki yekubuda mune chikwereti
Zvichida njodzi yepamusoro yemari inotarisana nevatengi nhasi ine chikwereti chakakura. Dambudziko rechikwereti rave rakakosha kwazvo zvokuti mhuri yeUnited States inotakura madhora 8 000 muchikwereti chekwereti chikwereti chete, uye vanenge 43% veAmerica vanopedza zvakawanda kupfuura zvavanowana gore negore.
Icho hachisi nhamba shomanana. Izvo zvikwereti zvinokonzerwa nevatengi vakawanda vari pasi havana zuva rokupedzisira, zvinoreva, vazhinji vedu, chikwereti chedu chichagara nekusingaperi.
Zvaungaita Kuti Ubhadhe Chikwereti
Kunyange zvazvo vatengi vakawanda vashandura kune dzimwe nzira dzingakanganisa dzakadai sekusimudzira zvikwereti kana makambani ekugadzirisa zvikwereti , chirevo chekukwereta chikwereti chinonzi 'chikwereti snowball' chiri kunyanya kuzivikanwa. Iyi ndiyo iyo mabhanho maduku ari kubhadharwa kutanga, kuteverwa nemayero makuru. Kushandisa chikwereti chechikwata kuti uwane chikwereti hakusi kungoita zita rakanaka, iyo ndiyo nzira yekubhadhara madhora zvakarongeka, uye ine chinhu chinokurudzira chakavakwa. Sezvaunoripira madhora maduku, unoona kubudirira, uye zvinokurudzira iwe unamatira pane chirongwa.
Maonero Akaita Chikwereti Snowball Inoshanda
Hezvino kuti chikoro chechando chinoshanda sei; semuenzaniso, ngatitaurire kuti une zvikwereti zvishanu zvechikwereti zvino, imwe yadzo iri $ 100, imwe iyo iri $ 500, maviri iyo iri $ 800 uye mumwe munhu ane chikamu chema $ 4,000.
Usati watanga matanho aya, zvakanakisisa, kana zvichikwanisika, kubatwa uye ikozvino kune yese yekubhadhara kwemwedzi. Iyi nzira yekunyora matanho ari kukwira kurongeka inokosha, sezvatichaona munguva pfupi. Izvo zvekukosha zvakakosha kusawedzera chero chikwereti chitsva patinenge tichiita izvi.
Nhanho nhanho nzira yekubuda mune chikwereti ndeyokutanga nekubhadhara chete zviduku pane zvese zvezvikwereti kunze kwechidiki. Muchiitiko chedu, ngatitaurire kuti chikwereti chiduku, chikwereti che $ 100, chinobhadhara pamwedzi we $ 10. Iye zvino anouya chikamu chakaoma, icho chinosarudza kuti mari yakawanda sei iwe unogona kuwedzera kubhadharo yemwedzi pamusana peyero shoma. Chisarudzo chakanaka chingave chokuwedzera kaviri, kusvika $ 20, kana kupfuura kana zvichibvira. Zvisinei, chero chikamu chipi zvacho chichabatsira. Kubhadhara zvinopfuura zvishoma zvishoma zvichaderedza mari yacho nokukurumidza. Nokuda kwezvinangwa zvedu, ngatimbofungidzira kuti tiri kuripa kaviri, saka pane imwe $ 10 inowedzera kune imwe nguva mwedzi mumwe nomumwe .
Izvi zvinoreva kuti chikamu cheizvi chichabhadharwa nekukurumidza, zvichida mumwedzi mitanhatu kana kudarika, kunyange pamutengo uyu wakaderera. Pano ndipo pane kunaka kwechikwata chechikwereti chinokwidza mukati uye chinotanga kubatsira kubatsira mumwe munhu kubhadhara chikwereti: nokutora chikwereti chemari yekubhadhara, munyaya iyi, $ 20, iyo yakanga ichienda kune chikwereti chiduku, uye kuchiisa kune chikwereti chechipiri chiduku, isu tiri kubhadhara chikwereti ichochi nokukurumidza zvakare.
Kana chikwereti chechipiri, nebhadharo yemadhora mazana mashanu, chaive nebhadharo shoma ye $ 50, ikozvino tiri kuripa imwe $ 20 pamwedzi. Tichifunga kuti $ 10 yemari yekubhadhara iri kungoenda kumatambudziko emari , izvo zvinoreva kuti $ 60 pamwedzi zvinoshanda zvakananga kune chikwereti.
Izvozvo zvinoreva kuti kunyange $ 500 mari inokwana ichabhadharwa zvachose mumwedzi inenge mitatu. Saka zvino, takabhadhara zvikwereti zviviri zvemwedzi yedu mumwedzi 14 chete.
Pano ndipo paine chikwata chechando. Tinogona kudzokorora nzira iyi pamatarenda maviri $ 800. Kuenda nematendi akafanana, tinoshandisa mari yakawanda $ 70 kune imwe yezviyero, uye imwe yacho, chikwereti chekutanga chinobhadharwa mumwedzi mitanhatu, uye chechipiri inobhadharwa mumwedzi isingapfuuri mana, uye isu zvino tine $ 205 mwedzi wega wega inogona kushandiswa ku $ 4,000 yakaenzana.
Kungoita izvi zviri nyore, ngatitaurire kuti kubhadhara kwe $ 4,000 kune $ 200 pamwedzi kare, ne $ 100 inonyangarika nekusingaperi mukubhadhara mari . Saka tinowedzera $ 205 kusvika kumari shoma iri kuenderera kumukuru, uye chikwerero chose che $ 4,000 chinogona kubhadharwa kunze kwegore chete kunyange ne -high-interest rate .
Saka regai tizviverengere. Takabhadhara zvikwereti zvedu zvose kunze kweiyo huru mumwedzi makumi maviri nemasere, uye zvakatora gore rimwe chete kubhadhara chikamu chikuru chekupedzisira. Ndiyo makore matatu chete kubhadhara mari inopfuura $ 6,000 mune chikwereti kuburikidza nekuita zvisingaiti kunze kwekubhadhara zvakaderera pamatokari ose kunze kwekuwedzera $ 20 zvekare pane zviduku pane pakutanga. Kunyange zvazvo makore matatu asiri kugadzirisa nguva pfupi, zvinoshamisa pakupfupika kana uchienzaniswa nezvibharo izvo chaizvoizvo zvinogara nekusingaperi kana iwe ukangoramba uchinge uchitora mari shoma pamadhora ose. Asi iwe unoziva kuti chikamu chakanakisisa chii? Mushure mokunge chikwereti chose chabhadharwa, iwe kamwe kamwe une madhora mazana matanhatu muhomwe yako mwedzi mumwe nomumwe! Izvozvo zvinogona kufamba munzira yakareba mukugadzira mari yekukurumidzira , kuchengetedza kubhadhara, kana kuisa pamusana padzidzo yekoroji.