Usati washandisa hurongwa hwekugadzirira kare
Kana iwe wakapinda mune imwe mari, kana iwe wakangoponesa chunk yakakura yekushandura, icho chinhu chakanaka: une zvingasarudzwa. Iye zvino chinhu chinokosha ndechokusarudza chakanakisisa. Ramba uchifunga kuti haufaniri kusarudza chimwe chinhu. Iwe unogona kuita zvinhu zvakasiyana zvakasiyana nemari yako - hapana mutsvuku kana mutsvuku (iwe unogona kubhadhara zvimwe zvechikwereti, zvose zvayo, kana zvimwe zvacho).
Zvimwe zvipi zvekutanga kupiwa
Kana chikwereti chako chiripo, funga nezvekuti zvimwe mari yako inogona kuuya sei. Hazvisi kuchenjera kupfuudza mari pamusana penguva pfupi, asi panogona kunge kune nzira dzakanaka dzekuisa mari iyo.
Emergency fund: une mari yakawanda yakagadziriswa here kuti uwane zvinoshamisa zvinouya kwauri? Chengetedza mari yemwedzi mitatu kusvika kune mipfumbamwe "(kana kupfuura, kana iwe uri rudzi rweuchenjeri) mu-akhawunti yekuchengetera kana kuti mari yemari yemari chete kana pane chimwe chinhu chinodhura chinoitika. Chinangwa chacho ndechokurega kutora chikwereti chakakwirira-chikwereti-chikwereti chekwereti chekwereti - kubhadhara zviitiko zvinokurumidza. Zvingave zvinonyadzisa kubhadhara chikwereti chako chakanaka-chikwereti chemari chikwereti uye ugoenda muchikwereti chekwereti chikwereti.
Kubhadhara mari yeramangwana: imba yako inoda kuvandudzwa (iwe unogona kuitisa mberi gare gare)? Ungada here kuwana zvakawanda kana iwe wakagadziridza unyanzvi hwako, uine degree yakakwirira, kana wakagamuchira unyanzvi hwezvenyanzvi?
Unoda here uye unogona kutora mungozi yekutanga bhizinesi? Funga kushandisa mari kune chimwe chinhu chichabhadhara zvikwereti kwemakore akawanda ari kuuya (ingoyeukei kuti iwe ungave uri kutora ngozi - uye kubhadhara chikwereti kwakanaka kwazvo kune munhu akachengetedza mari).
Kwete kudzoka shure
Sei iwe uchizeza kubhadhara chikwereti kare?
Nokuti une zvingasarudzwa paunenge uine mari, uye izvo zvingasarudzwa zvinoenda kana iwe uchibhadhara chikwereti chako. Ichokwadi kuti iwe uchasunungura kukwira kwemari nokuti mari yako yepamwedzi ichaenda (kana kukanganisa - kunyange zvakadaro haisi iyo mhaka kana iwe ukaita mari yekubhadhara mari yako).
Kana ukangobhadhara, iwe kazhinji haugoni kuwana mari yacho zvakare. Kunyanya apo iwe unonyatsoda mari (kana warasikirwa nebasa rako, somuenzaniso), kuwana chikwereti kwakaoma. Kuwana chikwereti nokukurumidza (nekuda kwekukurumidzira, somuenzaniso) hazvisi nyore kana.
Nezvikwereti, iwe unogona kukwanisa kubhadhara mari, asi hapana mavimbiso. Semuenzaniso, kana iwe uchibhadhara pasi mari yako, iwe unenge uine huwandu hwakawanda, uye iwe ungakwanisa kukwereta kune chikamu ichocho nechipiri chekutengesa . Mimwe mhando dzezvikwereti hazvive neshamwari.
Rudzi rwechikwereti nyaya
Sezvaunoongorora zvaunosarudza, chengeta rudzi rwechikwereti chaunacho. Kana iwe une chekisi chekwereti chekwereti chikwereti nemari yepamusoro yemari kana kubhadhara zvikwereti , inenge nguva dzose inonzwisisika yekudzima zvikwereti izvozvo. Ona zvinoitika kana iwe uchibhadhara zvishoma pamakadhi ako.
Nezvikwereti, zvinhu hazvisi zvakajeka. Zvikwereti zvevadzidzi vehurumende, somuenzaniso, kuuya nezvimwe zvikomborero zvauchazosiya (uye usingadzokerizve) kana iwe uchibhadhara chikwereti kare: iwe unogona kuva nekwanisi kumisa kana kuderedza mari yako kubva mune zvemari yako, uye iwe anogona kutora chikwereti chako "kukanganwirwa" kana kubhadhara zvichienderana nebasa rako.
Kana ukashanda mubasa rehurumende (pasingabatsiri, dzidzo, kutevedza mitemo, kana mauto, somuenzaniso), ona kuti zvipi zvinobatsira zviripo usati wanyora cheki chikuru.
Pakupedzisira, neine zvikwereti, haunganyatsochengetedzi mari nekubhadhara kare. Vamwe vanokweretesa vanovaka mari uye chikwereti muzvikwereti zvinokweretesa (izvo zvinopesana, uye zvisiri pamutemo mune dzimwe nyika) kuitira kuti iwe ubhadhe mari yakafanana pasinei nokuti iwe uripi. Kana chikwereti chako chiri chikwereti chakafanirwa mberi, ona kuti chii chinoitika kana iwe uchibhadhara nguva isati yasvika usati wanyora cheki.