Tsanangudzo yeMitemo yeMari
- Inguva yakareba sei chikwereti chichapedza kana iwe chete uchinge waita mari shoma shoma mwedzi mumwe nomumwe.
- Zvikwereti zvechikwereti chaunobvumirana kune dzimwe nguva chinonzi mitemo nemamiriro.
Nguva Sekukwereta Nguva
Muenzaniso wekutanga ndeye nguva : inguva yakareba iyo chikwereti chichaguma (kusvikira chabhadharwa zvachose nebhadharo yenguva dzose)?
Inogona kupedzisa nguva yayo yose. Mari yechikwereti inogona kuva zvikwereti zvenguva pfupi kana zvikwereti kwenguva refu.
Nguva yechikwereti inogona kunge iri nyore kuziva. Semuenzaniso, makore makumi matatu nemasere akatengesa mari inotora makore makumi matatu. Kuzvikweretesa kwezvikwereti zvinowanzova nemakore mashanu kana matanhatu emakore, kunyange zvazvo mamwe mazano aripo (maharanda emotokari anowanzotaurwa mumwedzi, yakadai semwedzi-mboti yemwedzi 60). Zvisinei, zvikwereti zvinogona kupedzisa chero nguva yakareba iyo iyo chikwereti uye chikwereti ichida kubvumirana.
Pane imwe nguva isati yasvika nguva yekugadzirisa chikwereti, iyo chikwereti inofanira kubhadharwa kana kubhadharwa. Paunowana chikwereti (chakadai semakore mashanu emotokari yemotokari ), iwe unowanzova nebhadharo yemwedzi unodiwa. Mari iyo inotarirwa kuitira kuti iwe ubhadhara chikwereti zvachose pamusoro pemakore ekutora chikwereti. Pakupera kwegore rechishanu, kubhadhara kwako kwekupedzisira kuchavhara chaizvo chaunokwereta. Nzira yekubhadhara chikwereti ichi nenzira iyi inonzi maitiro .
Chinoita kuti zvive zvakakosha : Nguva yekukwereta inokosha: inobata mari yako yepamwedzi uye yako yose inofarira mari.
Nguva yakareba inoreva kuti iwe uchabhadhara zvishoma mwedzi wega-saka uri kuedza kutora chikwereti neyo nguva yakareba kwazvo inowanikwa (somuenzaniso, unogona kukweverwa kune chikwereti chemwedzi 72 pane chikwereti chemwedzi 60). Zvisinei, nguva yakareba zvakare inoreva kuti iwe uchabhadhara zvakawanda muzvikwereti zvemari pamusoro pehupenyu hwechikwereti ichocho. Mune mamwe mazwi, iwe uchabhadhara zvakawanda pane zvose zvauri kutenga (mutengo wemutengo haugadziri, asi mari yaunobhadhara ino).
Nguva dzezvikwereti: Nguva dzebhadharo dzinobatanawo nenguva, asi hazvifananidzi neshoko rako. Zvichienderana nezvinoitwa mutauro wacho, nguva ingangodaro nguva shomanana pakati pekubhadhara kwemwedzi pamwedzi kana kuverengwa kwezvikwereti. Muzviitiko zvakawanda, iyo mwedzi umwe. Somuenzaniso, iwe unogona kuva nechikwereti nehuwandu hwegore negore hwe12%, asi periodic (kana mwedzi wega) yehuwandu i1 %.
Izwi rokuti chikwereti nguva rinogonawo kureva nguva apo zvikwereti zvako zviripo. Kuzvikwereti zvevadzidzi, nguva yezvikwereti inogona kunge iri Kupera kana Spring semester.
Mamiriro uye Zvigaro zveMari
Nheyo dzemari dzinogonawo kuva maitiro echikwereti chako, icho chinorondedzerwa muchibvumirano chako chechikwereti. Kana iwe ukwereta mari, iwe nemutengi wako unobvumirana kune zvimwe zvinhu - "mazwi" echikwereti chako. Vachakupai mari yemari, iwe ucharipa maererano nekubvumirana pane purogiramu, uye kana chimwe chinhu chichikanganisa mumwe nomumwe wenyu ane kodzero nemitoro inoratidzwa muchibvumirano chechikwereti.
Mamwe mazwi akafanana ayo akakodzera kubhadhara kune akanyorwa pasi apa.
Mutengo wekuda: Inhare yakawanda inokweretwa pachikwereti chako chikwereti nguva dzose. Izvo zvakakwirira muzinga, iyo inodhura mari yako. Zvakakoshawo kuziva kana chikwereti chako chaine chikwata chakanaka chekuda kana chiyero chakasiyana chinogona kuchinja pane imwe nguva munguva yemberi.
Mitengo inowanzotaurwa pamusoro peshoko regore roga roga (APR) , iro rinogona kubhadhara mari yekuwedzera kunze kwekuda mari.
Mutero weMwedzi Uno: Mari yako yepamwedzi inowanzoverengwa nehurefu hwechikwereti chako uye chikwata chekufarira. Zvisinei, pane nzira dzakasiyana-siyana dzokuverenga mutero wako waunoda (semuenzaniso, makadhi emakadhi anowanzoverengerwa zvichienderana nehope yepakati yemari yako ). Iva nechokwadi kuti unoziva kuti iwe uchabhadhara mari yakawanda sei mwedzi uye kana mari iyo ichazomboshanduka. Iwe unofanirwa kuva nechokwadi chokuti kubhadhara kunoenderana nebhajhini yako.
Kubhadharwa kwekubhadhara: Kuvhara mari yako yekutora inowanzova pfungwa yakanaka. Kana iwe ukakwanisa kubhadhara chikwereti chako nekukurumidza kupfuura zvinodiwa, iwe uchadzivisa kuparadza mari. Tsvaga kana pane chipiro chekubhadhara chikwereti kare kana kutora mari yakawanda. Kunyanya pazvinosvika kune zvikwereti zvakadhura zvakadai sekukwereta makadhi, kubhadhara zvinopfuura zvishoma zvishoma kuchenjera .
Balloon zvikwereti: Mimwe chikwereti hachibhadharwi pasi kudarika nguva - iwe unongobhadhara mari yemari kana chikamu chiduku chekukweretesa kwako. Zvinosuruvarisa, izvo zvinoreva kuti iwe uchada kuuya nehomwe huru yekubhadhara (kana kugadzirisa chikwereti nemumwe chikwereti chikuru) pane imwe nguva munguva yemberi. Iva nechokwadi chekuti unoziva nezveiyo nguva refu musati waita kubhadhara kuripo.