Kubhadhara Kupfuura Vanopedzisira Vanoponesa Mari
Chimwe chezvikanganiso zvakakosha zvikuru zvaunogona kuita nekwereti yemakadhi ndiko kupinda muitiro wekubhadhara chikamu chiduku chakafanira mwedzi mumwe nomumwe. Kunyange zvazvo mari yakasara inogona kuwanika; iyo ichakutorawo mari yakawanda munguva refu.
Nzira Iyo Kubhadhara Kwiduku Kunoverengeka
Kuti unzwisise zviri nani nei uchibhadhara zvigaro zvingave zvakadhura zvakakosha kudzidza kuti hutori huripo hwakaverengwa sei. Kunyange zvazvo kadhi rimwe nerimwe rinokwanisa kushandisa shanduko yakasiyana, vose vanoshandisa imwe yepakati yeyeri sechinhu chikuru.
Izvi zvinogona kunge zvakaderera sezvinotengeswa nezvemari panguva iyoyo pamwe ne1% kana zvichikwira 4-5% yemari. Iva nechokwadi chekuti chengetedza makadhi ako ekwereti kuti uone kuti kubhadhara kuri kuverengwa sei.
Muenzaniso
Nokuda kwemuenzaniso ngatitarisei kadhi rechikwereti rine chikwereti che $ 1 000 chine APR ye18%. Paunoputsa APR kusvika kune gumi nembiri pwedzigiramu yemwedzi unoguma ne 1.5% yekubhadhara mari pamwedzi. Pamusana pemuenzaniso uyu tichazoshandisawo kubvuma kuti kadhi inotora chikwereti chiduku ne 2.5% yemari.
Izvi zvinoreva kubhadhara kwako kwakanyanya mumwedzi wokutanga uri $ 25, kana $ 1,000 x 2.5%. Nekadhi racho raAPR 18% kana 1.5% pamwedzi zvinoreva kuti iyo $ 25 yebhadharo chete $ 10 iri kushandiswa pakero iyo imwe $ 15 iri kubhadhara mari yemwedzi iwoyo. Mumwedzi unotevera kusara kwako kuri ikozvino $ 990 kuitira kuti yako yebhadharo inotevera ichaverengwa se $ 24.75 ($ 990 x 2.5%). Nokuti kubhadhara iyi $ 14.85 kunoshandisa mutengo wemari yemwedzi iwoyo apo $ 9.90 inoshandiswa kune chikamu.
Sezvaunogona kuona pamusoro, iwe wakaita madhora makumi mashanu mubhadharo asi iwe wakaderedza uwandu hwako ne $ 19.90. Kana iwe uchizoenderera mberi uchibhadhara chete zvishoma uye zvikamu zvekadhi rino zvakaramba zvisina kuchinja zvinotora mwedzi 153 kana kuti makore anenge gumi nemaviri kuti abhadhara $ 1,000 chikamu chekutanga. Izvi zvingaguma mukubhadhara madhora 1,115.41 pane chido choga choga, chinopfuura chiyero chemari yepakutanga!
Mazano Okubhadhara Kubva Kadhi Remari Yenyu
1. Chengetedza zvinopfuura mwero unenge uripo mwedzi mumwe nomumwe, kunyange kana uchingowedzera zvishoma. Somuenzaniso, kana mari shoma iri $ 40, zvino ita zvose zvaunogona kubhadhara mari inenge $ 50. Iwe unenge usingaonei mari yakawedzerwa gumi, asi ichaenda zvakananga kubhadhara mutungamiri wako uye kuwedzera kukurumidza kwaunoita chikwereti chako.
2. Kana iwe uri kukwanisa kupa APR yakakwirira pane yako kadhi rechikwereti, funga kuita kugadzirisa kutengesa kadhi rechikwereti uye pasi kana pasina APR. Zvechokwadi iwe unoda kuverenga kubudisa kwakanaka kuti uwane mvumo yechibvumirano, asi kana une kadhi rechikwereti iwe unofunga kuti unogona kubhadhara nokukurumidza APR isati yasimuka, saka sei usina mari yako yose inoshandiswa zvakananga kusvika pamutambo wekutanga uye kwete chido?
3. Tora kuongororwa kwemari yakasiyana-siyana pane imwe kadhi rechikwereti. Kune zvikoro zviviri zvepfungwa pano. Imwe ndeyekubhadhara kadhi rechikwereti nechikwereti chakaderera kutanga- izvi zvichaita kuti iwe uite kuti iwe uite chimwe chikwereti. Imwe rutivi rwemari ndeyekuti iwe haundi chaizvo kuti chikoro chikuru chekadhi rechikwereti chirambe chichikura kukura, saka kurwiswa kwekutanga. Zvakanakisisa kana iwe uchikwanise kubhadhara pamwe chete nemari shoma pane imwe neimwe yemakadhi ako ekwereti mwedzi mumwe nomumwe.
4. Yeuka kuti chikwereti chinogona kukura kunze kwekutonga. Nokuda kwechikonzero ichi, zvakakosha kutarisa kushandiswa kwemwedzi wako kwemwedzi. Kana pane dzimwe nzvimbo dzaunogona kuderedza shure uye kushandisa mari iyo pakubhadhara chikwereti chako panzvimbo, pane zvakakosha kuti iwe uite saizvozvo. Zvakaoma kufarira zvizere hupenyu kana iwe uchiziva kuti iwe une chikwereti chakawanda chinoramba chirembera pamusoro pemusoro wako. Iwe unogona kunge uchida kugovera vamwe vekudya kunze, nhengo dzekudzidzira, kana mamwe mabasa evanhu, asi zvingava zvakakosha kana iwe ukakwanisa kugogodza chikwereti icho nokukurumidza nokukurumidza.
Pasi Pasi
Zviri nyore kwazvo kubvumira chikwereti kuvaka uye usati wazviziva, uri kunyura mukati maro. Zvakakosha kuisa urongwa munzvimbo inokubvumira kubhadhara pasi makadhi ako ekwereti uye unakidzwa noupenyu husina chikwereti.