Chikoro chikoro chinogona kukwira zvichidzika zvichienderana nekukwereta kadhi rechikwereti
Kero yako yekadhi rechikwereti inopfuura kudarika mari yaunokwereta kune yako kadhi rechikwereti. Makero ako emakadhi echikwereti anoshanda zvakananga pachikwereti chako. Sezvo kadhi rechikwereti chikwereti chakashuma kune chikwereti chebasa rekuchinja, chikwereti chako chikoro chinogona kuchinja, zvakare.
Tsanangudzo Pfupfupi yeChikoro Chikoro
Chikwereti chako chikoro chakafanana nebhizinesi yepamusoro inoratidza apo chikwereti chenhoroondo yako chinomira pane imwe nguva panguva.
Iyo chikwereti chikwereti inobva pane ruzivo pamusoro pekadhi rako rechikwereti, chikwereti, nezvimwe zvikwereti zvezvikwereti zvakanyorwa mubhuku rako rekwereti . Zvinhu zvakadai sokuenzanisa kwebhuku, nhoroondo yekubhadhara, chikwereti chekwereti, uye nguva yekambani yakanyorwa pamushumo wekwereti uye yakashandiswa kuverenga chikoro chako chekwereti. Chimwe nechimwe chinopiwa humwe uremu mukuverenga chikwereti chako chikoro:
- Mari yekubhadhara inoverenga 35% yemakato ako
- Nhamba ye chikwereti inotora makumi matatu kubva muzana yako
- Urefu hwekwereti yekwereti ndeye 15% yepuroko yako
- Inquiri uye kusanganiswa kwekwereti ndeye 10% imwe neimwe
Ndezvipi Mahara Epamusoro Anoreva Pamusoro peKwereta Kwekwereti
Nhamba yemari chikwereti, chechipiri chikuru chinokanganisa chikwereti chako chekwereti, dzimwe nguva chinonzi sekushandisa kwako chikwereti - muyero wezvikwereti zvekadhi rako rechikwereti kana uchienzanisa nemari yako. Kushandiswa kwekwereti kwakaderera kune nani nokuti inoratidza kuti unogona kushandiswa nekushandisa chikwereti uye kuti iwe hauna kutora zvikwereti iwe nemakero ekutengesa makadhi ekukwereti.
Saka, kuva nezviyero zvekadhi rechikwereti zvishoma kana zvichienzaniswa nemiganhu yako yekadhi rechikwereti ichakupa mubayiro wekukwereta zvikwereti. Izvo zvakasiyana ndezvechokwadi. Miharuro yepamusoro yemakadhi ekukwereta ichadhura chikoro chekwereti.
Ndeipi Chikwereti Chakanaka CheKadhidhi?
Mhedziso yakakwana ye $ 0. Kunze kwekuti usamboshandisa kadhi rako rechikwereti, hazvigone kuchengetedza $ 0 chikwereti pane kadhi rako rechikwereti nguva dzose.
Iwe unotofanira kunge uchibhadhara chikwereti chako chekadhi rechikwereti musi iwoyo iwe unotenga-kana zvisati zvaitika mushure mekutaura kwekuteketa dare rekuvhara zuva . Ndiyo zuva iro vazhinji vane kadhi rechikwereti vanobudisa mari vanotaura nezvekadhi rechikwereti kune zvikwereti zvekwereti.
Kana iwe uchida kuvandudza nekuchengetedza mazano akanaka echikwereti, zvinonzwisisika kuchengetedza chikwereti chako kana kuti pasi pe 30% chekwereti chako chekwereti. Izvozvo zvinoreva kuti kadhi rako rekwereti rinofanira kugara rakaderera pasi pe $ 300 pane kadhi rechikwereti rine $ 1000 muganhu. Kana imwe nguva bhalari yako inotanga kudarika 30% pachikumbaridzo, iwe uchacherechedza chikwereti chako chikoro chichiderera . Kana iwe ukagara uine ma-credit card yako, chikwereti chako chikoro chinogona kudonha zvikuru.
Kune Pane High Balance Loopholes?
Unogona here kubhadhara zvinodarika 30% zvekwereti chako chekwereti kana iwe uchibhadhara chikamu pasi apo chirevo chako chinouya? Pamwe, zvichida kwete. Kana kadhi rako rekwereti rikwereta muyero usati wawana mukana wekuripa iyo, iyo ndiyo mari inofungidzirwa apo chikwereti chako chikero chakaverengwa. Ikoseji yakakwirira icharamba iri pamutemo wako wekwereti kusvikira kambani yekadhi rechikwereti inoshuma imwe itsva, iri pasi.
Kunyange zvazvo isina kubatanidzwa muchikwereti chako, chikamu chako chekwereti chinongorondedzera "kukwirira kwepamusoro" iyo ndiyo yepamusoro-soro yakambomira pamakadhi ako.
Chero ani zvake anopa chikwereti kana mutengi uyo anoona mushumo wenyu wechikwereti achakuziva iwe wakambova nebhadharo yakakwirira pane kadhi rako rechikwereti. Kunyangwe vanogona kutaurira kana iwe wakabhadhara chikwereti panguva kana kwete, havagoni kukuudza kuti iwe unokurumidza kudzorera sei. Saka, kana zvasvika pakubvunzurudzwa kwebhuku rehupoti yako yekwereti, chokwadi chokuti iwe wakabhadhara chikwereti apo mushumo wekuuya wakanga usina basa.