Ndiri Kuchengetedza Mari Nezvaunofarira - Asi Ndaida Mari Yokuderera
Kubhadhara chikwereti chako mangwanani-kare kunowanzova pfungwa huru . Zvisinei, zvinhu zvinogona kunge zvisingaiti zvakafanana sezvaunotarisira kana iwe ukaisa mubhadharo uyu kune chikwereti chako mune imwe pfuma. Usati watumira mari, ziva kuti mari inowanikwa yakawedzera sei zvinotevera:
- Kufarira kwako kwose
- Nguva inotora kubhadhara chikwereti chako
- Mari yako yepamwedzi
Mari Inoshandiswa
Kuita mari yakawanda yepakutanga paunotora chikwereti kunoderedza mari yaunofambirwa nayo pachikwereti chako. Iwe uchange uine chikwereti chechikwereti chiduku, uye chikwereti chinotambirwa kune chikwereti chako chemari, saka iwe uchabhadhara zvishoma. Kwemakore mazhinji, izvi zvichaguma nekuchengetedza kwakanyanya-kunyanya kana uri mumakore ekutanga emari yechikwereti kwenguva refu semakore makumi matatu ekubhadhara mari. Nokukwereta kwemari (kana zvikwereti zvaunobhadhara pane imwe nguva nemari yakarongeka ) Zvishoma nezvishoma, zvinowedzera kuenderera kumutero mukuru.
Kuti uone zvakajeka iwe uchaponesa, ungada kuite zvishoma zvemasvomhu. Asi mathemoni haisi kuipa (kombiyuta inozoita zvose zvekusimudza zvakasimba), uye zvinobatsira kunyatsonzwisisa kuti chikwereti chako chinoshanda sei uye kuti ungachengetedza sei mari. Kana iwe ukaratidza chikwereti chako pane pepanheti , uchaona kuti chikwereti chinoshanda sei: kubhadhara mwedzi mumwe nomumwe, mwedzi wekubhadhara mari, uye kubhadhara chikwereti chako.
Ingorodzisa kubhadhara chikwereti pane imwe nguva muparadheet inofanirana neuripi nhasi.
Somuenzaniso, kana iwe uchikwereta $ 100,000 uye iwe uri kufunga kubhadhara $ 20,000, uye ude kuderedza chikwereti chako kusvika ku $ 80,000 - shanduro inofanira kuongororwazve kuwedzera chikwereti chako, uye iwe unofanira kuona kuderedzwa kwekubhadhara mari.
Nguva Yokuripa
Zvikwereti zvizhinji zvegore ndezvegore gumi nemakumi matatu kana makumi matatu zvakatarwa zvekutengesa mari . Penguva iyo nguva, iwe unononoka kubhadhara chikwereti chako chikwereti. Zvisinei, iwe unogona kugara uchifambisa zvinhu chero bedzi pasina hutori hwekubhadhara .
Kana iwe uchinge waita chikwereti chemari uye usazogadzirisa chikwereti (ona pasi apa), iwe uchabhadhara chikwereti nokukurumidza uye uchengetedze mari muchibereko. Mari iyo yemwedzi ichapera nokukurumidza-saka unogona kuisa mari iyo kune dzimwe zvinangwa. Zvakare, uchishandisa zviyero zvakabatanidzwa kumusoro, unogona kutamba nhamba, uye iwe uchaona kuti chikwereti chinongopera kare.
Mutero weMwedzi
Kana chinangwa chenyu chikuru chekubhadhara chikwereti chemari ndeyokuderedza mari yako yemwedzi, iwe unogona kunge uri muhombe. Asi makambani ekubhadhara mari haafaniri kuchinja bhadharo yako kana iwe uchibhadhara zvimwe - dzimwe nguva unofanirwa kukumbira kugadziriswa uye kubhadhara mari. Iyi nzira inozivikanwa sekugadzirisa chikwereti .
Vamwe vanhu vanoodzwa mwoyo mushure mokunge vatumira mari huru kune yavo yekubhadhara chikwereti, asi kuti vawane kuti mutero wekubhadhara pamwedzi usingashanduki. Iva nechokwadi chekubvunza chikwereti chako izvo zvinodiwa kuti uchinje kubhadhara kwako kwemwedzi.
Kana iwe une chido-chega chekutenga chikwereti , maitiro acho ari nani kuti kubhadhara kwako kwedzimwe mwedzi kuchangoderedzwa.
Mushure mezvose, kubhadhara kwako kwakavakirwa chete pamari yemari yako (iyo isingashanduri kunze kwekuti iwe uchibhadhara zvimwe). Zvisinei, kunyange kufarira chete zvikwereti hazviwanzogadzirisa pakarepo - saka itaidza uye bvunza kuti zvinhu zvinoshanda sei kana zvichikosha kwauri.