Paunenge uine zvikwereti zvekwereti, vose vane zviyero, une basa rakaoma mukufungidzira kunze kwekadhi yako yekwereti yemwedzi. Unofanira kubhadhara zvishoma pamakadhi ese? Kana iwe uchibhadhara kupfuura zvishoma, iwe unofanira kubhadhara zvakanyanya sei? Kana unofanirwa kutora kadhi uye kuripa zvakawanda pane iyo? Heano mamwe mazano ekukubatsira kuti uone kuti ungabhadhara mari yakawanda sei pamakadhi ako ekwereti kuitira kuti ugare wakaita zvakanaka. Ramba uchifunga mupfungwa dzako kana uri kutarisa kubhadhara chikwereti , chirongwa chako chekubhadhara chinogona kutarisa zvakasiyana.
01 Chengeta zvishoma zvishoma pamakadhi ako ose.
Iwe unofanirwa kugara uchitora zvishoma kubhadhara mari shoma pamakadhi ako ekwereti, pasinei nokuti chii. Kubhadhara kwako kunofungidzirwa nguva pfupi kana iwe uchibhadhara zvishoma pane zvishoma kana kuti uchinge uchinge uchinge uchinge uchinge ubhadharwe. Mari yekupedzisira inouya nemigumisiro shomanana. Kwete chete iwe uchakwaniswa kubhadhara mari yekupedzisira , iwe unofarira kubhadharwa (kana iwe uri mazuva makumi matanhatu) uchiita kuti uwedzere kudhura kutakura chikero.
Mushure memazuva makumi matatu musina kubhadhara, kudarika kwenyu kunoratidzwa kune zvikwereti zvekwereti, kuwedzerwa kumurairi wako wekwereti, uye kugoverwa muchikwereti chako. Imwe chete yekubhadhara mubhadharo yako yose yekwereti inogona kunge isingaiti zvakanyanya kukuvadza, asi kunyanya kudarika kwaunayo, kwakanyanya kuipa kunobatsira chikwereti chako chikoro chichave.
02 Bata pane chero zviitiko zvekare zvakadarika.
Iwe unofanirwa kubatwa pane chero nhoroondo dzese dziri shure. Kusvikira iwe wakabatwa, iwe ucharamba uchingobhadhara mari yakaderera uye unonoka nguva yakawanda kusvikira chido chako chichidzokera zvakare. (Iwe unofanirwa kuita zvikamu zvitanhatu zvekubhadhara pamwedzi.)
Izvi zvikwereti zvinodarika zvichange zvichingoitika pamushumo wekwereti yako uye zvinokuvadza chikwereti chako chikwereti kusvikira iwe wakabhadhara chikamu chekare chakafanira.
Kana uine mari yakawedzerwa mubhajheji yako mushure mekuita mari shoma pamakadhi ako ose, ita izvi zvose kuunza mabhuku ako ikozvino. Kana iwe wakanonoka kwemazuva makumi mapfumbamwe kana kupfuura, wako mukwereti angabhadhara-kurega kero yako kana kuitumira kuzvikwata kana zvose zviri zviviri.
03 Bvisai maxed your accounts pasi pechikwereti chikwereti.
Chero nguva apo makadhi ako ekwereti anopfuura kudarika chikwereti chako chekwereti , inomutsa mapegi matsvuku kune avo vemazuva ano uye vanokweretesa. Zvinokonzera kushamisika kana iwe unokwanisa kutarisira chikwereti. Iwe unogona kubhadhara chikwereti chakanyanya kudarika kana kadhi rako rechikwereti richibhadhara iyi mari uye iwe wakasarudza-kupinda kuti uve nepamusoro-mu-kukweretesa kunoshandiswa.
Mushure mokubhadhara zvishoma uye kubatwa pamusoro pezvikwereti zvakatarwa, shandisa mari yako yakasara kuti udzivise maxed balance. Kuderedza chikamu chako chinobatsirawo kubhadhara chikwereti chako.
04 Isa zviyero zvepamusoro pedo ne $ 0.
Kuti uchengetedze chikwereti chakanaka chekwereti , iwe unofanira kuchengetedza zviyero zvako pedo ne $ 0. Tarisa zvikurukuru pane zviyero zviri pedyo nepamukwereti wechikwereti. Mibairo yepamusoro yekadhi yemakadhi inowedzera mari yako yekushandisa uye inokuvadza chikwereti chako. Kuchengetedza zviyero zvako pasi zvinoratidza kuti iwe unogona kushandisa chikwereti nekuremekedza uye zvinobatsira kubatsira chikoro chako chekwereti.
05 Kubhadhara chikwereti chakanaka chechikwereti.
Kana iwe uchida kubuda muchikwereti nokukurumidza, unofanira kutanga uisa pfungwa pakubhadhara makadhi emakwereti ane zvikwereti zvakakwirira. Sezvo iwe uchibhadhara zvakawanda mumari yemari pamutengo wepamusoro wekwereti yemakadhi emakadhi, zvakanakisisa kubhadhara zviyero izvozvo kubva nokukurumidza kuderedza mari yaunofarira iwe.
Mushure mokunge mawana mari shoma pane mamwe maakaunti, isa mari yekubhadhara mubhadharo yako nemari yakakwirira kudarika kusvikira yabhadhara.
Zvechokwadi, kana chinangwa chenyu ndechokuti uwane chikwereti zvachose, iwe unofanira kuongorora chikwereti chako chekwereti chikwereti pamwe chete nemari yezvikwereti zveimwe chikwereti chako.