1. Kudhinda Kufungirwa Kunoreva Ndiri Kukundikana. HERE HERE ICHOKWADI!
Ichi ndicho chirevo chakaipisisa uye chinonyanya kuipa kunze uko.
Madzibaba edu anotanga akaziva kukosha kwekunyora pasi uye akaisanganisira muSouth Constitution (Art 1, Chikamu 8, Chikamu 4). Dzidzo dzinoverengeka pamusoro pemakore gumi apfuura dzakaratidza kuti dzakawanda dzinokonzerwa nekodzero dzinokonzerwa nenhau dzisiri kunze kwekutonga kwevanhu vakawanda, kusanganisira kuputsa madhigirii emari, basa rekurasikirwa, uye kurambana. Vanhu vashomanana vanhu vanowedzera kubhadhara nokuti vanodhura mari yavo. Kunyange zvakadaro, hazvirevi kuti ivo vakundikana nokuti vanowira pasi. Zvakangosiyana. Zvinoratidza kuti vanonzwisisa kukosha kwekugadzirisa nyaya dzavo, uye vari kuita chimwe chinhu pamusoro payo.
2. Ndichanyima Zvose Zvangu Zvangu Kana Ndikaisa Bhudha. HERE HERE ICHOKWADI!
Hapana munhu achazorora uye motokari yako sofa yako yemakore makumi maviri kana makumi mana ematayipi. Kana iwe uri munhu mumwe chete kana vaviri (kana zvichipesana nekambani), unobvumirwa kuchengeta zvimwe zvinhu kusvika kune chimwe chinhu chinokosha. Izvi zvinonzi kusunungurwa . Nokuda kwekuregererwa, vanhu vachazofanira kusiya pfuma muzasi pasi pe5% yekusungirwa kwemhosva.
Kuregererwa kunowirirana nehurumende, asi munenge mamiriro ose ehurumende unogona kuregeredza zvinhu zveimba yako, kana imwe yemotokari, zvipfeko, yako yekuchengetedza mari, uye kunyange kutenderera mumba mako.
3. Zvose Zvikwereti Zvangu Zvichaenda (uye ini ndichatora motokari yangu neimba pasina
Zvikwereti zvako zvekukwereta kwekadhi rechikwereti, chikwereti chezvechiremba, uye mari yako yehukwereti ichaenda ( inosunungurwa ), asi pane zvisiri izvo.
Dzimwe chikwereti hachizobudiswi. Zvikwereti zvevadzidzi zvakaoma zvikuru kubudisa. Mitsva yemahoro ichangobva kuwanikwa haisi kubudiswa. Dzimba dzekutsigira zvinotarisirwa sezvakaitwa kare nekuda kwekubatsira mwana uye alimony hazvizobudiswi. Zvimwe zvikwereti hazvirevi kuregererwa, asi zvinogona kuva mune mamwe mamiriro ezvinhu. Verenga zvakawanda pamatambudziko asina kubviswa .
Kana iwe uchida kuchengetedza imba yako, motokari yako, kana chimwe chivako chakaiswa sechikwata pane chikwereti, iwe uchafanira kuramba uchiripa. Izvi zvinonzi kubvumidzwa . Kunyangwe kana kubhadhara kuri kubvisa zvaunosungirwa kubhadhara mari yawakakwereta, hazviiti zvido zvako pasi pegwaro rekuchengetedza iro rinopa kodzero yako yekukweretesa muimba kana iwe usingabhadhari. Iwe unogona kusarudza kupa zvikwereti zvako kumunhu anenge achikweretesa asina mhosva mubhadhadzi, asi kana iwe uchida kuichengeta, basa rekugadzirisa nderokusimbisa.
4. Handichazombokwanisa Kuwana Chikwereti zvakare. HERE HERE ICHOKWADI!
Iwe uchatanga kuona zvikwereti zvinowanikwa mumishumo mukati memavhiki mashure mushure mekunge ubuda kubva kubhadhara. Vakawanda vanokweretesa vanokuona iwe uri nani kune chikwereti chekwereti nokuti iwe wabvisa zvisungo zvako zvakawanda uye iwe haugoni kuisa bhadhaki zvakare kwechinguva. Iwe uchabhadhara zvakawanda mukufarira mumazuva iwayo okutanga, asi zvingave zvakakosha nokuti ichakubatsira iwe zvakare kusimbisa chikwereti chakanaka nokukurumidza.
Vanhu vakawanda vanoona kuti chikwereti chavo chekwereti chawedzera ku "zvakanaka" kana kunyange "zvakanakisisa" zvakatarwa makore maviri mushure mokunge nyaya yavo isunungurwa.
Nokuda kwezvikwereti, iwe uchafanirwa kumirira kwechinguva chiduku. Vazhinji vanotora chikwereti chikwereti nevatsigiri (seFHA, VA, Fannie Mae, Freddie Mac) vanoda kuti iwe umirire makore mashoma mushure mekudzima usati wabvunza uye kuti iwe unoshanda kubatsiridza chikwereti chakanaka munguva yekumirira.
5. Ndichanyima Jobho Mubvunzo Wangu Kana Ndikaisa Bhizinesi. HASI CHOKWADI, Kakawanda.
Ndinokodzera izvi nokuti zvinokwanisika kuti iwe ucharasikirwa nebasa rako kana kuti urege basa kana iwe ukashandisa. Mitemo yebhangi inosanganisira kupesana nekusarura zvinoshandiswa kune hurumende uye kune vashandirwi vakawanda, asi mune dzimwe nyika, vashandi vanogona kubhadharwa pasina chikonzero zvachose. Izvozvo zvakati, vashandi vakawanda, kunyanya avo vane vashandi vakawanda, vanongotora kubhadhara vachifunga kana iwe uchatora mari.
Kunyange zvakadaro, kubhadhara kunogona kushanda mukufarira kwako nokuti zvinoratidza kuti uri kushanda kuti ugadzirise matambudziko ako. Iyi ndiyo nzvimbo iyo hurumende inotora painofunga nezvekuchengetedzwa kwemagetsi. Kana mari yako isinganzwisisiki, iwe hausi kunyanya kubvumidzwa kune iwe kana iwe ukaisa chikwereti kuti uzvigadzirise. Kuti udzidze zvakawanda, tarisa kuti Ko Kufunga Kunobatsira Sei Basa Rako?
6. Kubhadhara Zvidhinha Zvangu Nguva Dzose Zviri nani Maitiro. HERE HERE ICHOKWADI!
Izvi hazvisi chokwadi kune zvikonzero zvipi zvese. Zvinogona kutora makore ako kubhadhara zvikwereti izvozvo. Iwe unogona kukwanisa kuzviparadza mumwedzi mishomanana nekodzero yekugadzirisa uye kugadzirisa chikwereti chako mumakore maviri uchitarisira. Dzimwe nguva, iwe haugoni kubhadhara zvikwereti nokuti pane chikwereti chakawanda chekuti iwe unogona kutora.
Dzimwe nguva iwe; unotarisana nekufananidza kana kudzorera uye hauna nguva kana kuti zvigadziro zvekudzivirira.
7. Kubhadhara Kunodhura. HERE HERE ICHOKWADI!
Kushungurudza ndekutsvaga. Hungu, inogona kutengesa zviuru zvishomanana zvemadhora kuti ipe chekwereti kana iwe uchikwereta gweta. Asi iwe unogona kuparadza zviuru zvakawanda zvezviuru mune chikwereti. Usingarevi kunyanya kunetseka, kushushikana, kuora mwoyo, kutya, uye mari yauchaisa mumakore anotevera kana iwe usingaiti zvino. Taura nemushambadziri gweta remhosva pamusoro pezvaunogona kuita. Vazhinji havazobhadharwi kutanga kubvunzurudza. Vanogona kukubatsira nemazano ekuuya nemari.
8. Ndinoita mari yakawandisa kuisa bhadhaki. HERE HERE ICHOKWADI!
Anenge chero ani zvake anogona kuisa chikwereti chebhengi. Kuti upe Chitsauko 7 zvakananga kubhadhara , mari yako inofanirwa kukodzera pane izvo zvinozivikanwa se "zvinoreva kuedza." Nzira yekuongorora yakagadzirirwa kutonga kana iwe uine mari yakakwana yekuita kuti iwe uwane chikwereti chakanaka mune chikwereti chako, pane kubvumirwa kubudisa zvose zviri pachena. Kana iwe "ukakundikana" nzira yekuedza, iwe unogona kunge uchida kuisa Chitsauko 13 chekubhadhara chirongwa . Iwe uchabhadhara makore matatu kusvika mashanu kuti ubhadhara chikwereti chako, asi kazhinji iwe uchabhadhara zvakawanda zvishoma pane iwe waizoedza kubhadhara pasi iyo maakaiti uye kugadzirisa chikwereti chako zvakakurumidza kupfuura iwe waizozviita iwe pachako.
9. Kubhadhara Kuzogadzirisa Matambudziko Ose Ezvoupfumi. HERE HERE ICHOKWADI!
Kunyangarika kunogona kubvisa zvaunosungirwa kubhadhara chikwereti chako, asi hachigoni kuchinja mararamiro ako, ita kuti uve nebasa rinokubhadhara iwe zvakakwana kutsigira mararamiro ako, shandura kunakidza kwako zvinhu zvakanakisisa muupenyu, kana kuponesa imba yako. Inogona kuva kutanga kwenzira itsva yekufunga nezvemari, kana iwe ukashandisa zvayo. Ona Can Can not Make You Make Better Money Manager?