Itai Kuderedza Chikwereti Chakanyanya-ku-Kuwana Maitiro Kuverenga
Chikamu chako chekwereti-ku-pari chinoratidza kuti chikamu chemari yako inowedzera kubhadhara chikwereti chako mwedzi mumwe nomumwe. Izvo zvinoderedza chikwereti chako-kusvika-kuwana mari, zviri nani nokuti zvinoreva iwe usashandise zvikwereti zvakawanda zvekubhadhara zvikwereti. Kune rumwe rutivi, chikwereti chakakura-kusvika-chekuwana chinoreva zvakawanda zvekuwana mari yako inoshandiswa pane chikwereti, uchisiya iwe mari shoma yekushandisa pane mamwe madhora kana kuchengeta.
Iwe unogona kuverenga chikwereti chako-kusvika-kuwana mari kuburikidza kuwedzera chikwereti chako chemwedzi nemwedzi, kusanganisira chikwereti chekwereti uye zvikwereti, uye zvino kugovera nhamba iyoyo nemari yako yemwedzi.
Wedzerai chigumisiro che zana kuti muwane chikamu. Somuenzaniso, kana ukashandisa $ 1200 mwedzi mumwe nomumwe pamutero uye uine mari yemwedzi we $ 4,000, chikwereti chako chekuwana mari inenge iri 30%.
Ndeipi Chikwereti Chakakwirira-Ku-Kubhadhara?
Kana chikwereti chako-kusvika-muhomwe chikamu chinopfuura 50%, iwe zvechokwadi une chikwereti chakawanda . Izvozvo zvinoreva kuti uri kupedza hafu yehafu yako mari yaunowana pamwedzi pane chikwereti. Pakati pe37% uye 49% haisi yakaipa, asi iyo inenge iine nhamba dzine ngozi. Zvakanaka, chikwereti chenyu chekuwana-mari-chekuita chinofanira kunge chisina kudarika 36%. Izvozvo zvinoreva kuti une chikwereti chinokwanisika mutoro nemari yakasara mushure mokuita chikwereti chako chemwedzi nemwedzi.
Migumisiro yeDare Guru-ku-Kubhadhara
Chikwereti chakakura-kusvika-kuwana mari chinogona kuva nemigumisiro yakaipa pamari yako mune dzimwe nzvimbo.
Chokutanga, iwe unogona kuoma kubhadhara zvikwereti nokuti mari yako yakawandisa pamwedzi inotora chikwereti chemari.
Chikwereti chakakura-kusvika-kuwana mari chichaita kuti zvive zvakaoma kuti uwane mvumo kune zvikwereti, kunyanya chikwereti kana chikwereti chemotokari.
Vatengesi vanoda kuve nechokwadi kuti munokwanisa kukwanisa kutenga mari yako yemwedzi. Kukwereta chikwereti kanowanzova chiratidzo chokuti munhu akwereta angatadza kubhadharwa kana kusakirwa pane chikwereti.
Kunyange zvazvo chikwereti chako chekwereti hachikwanisi kuchinjwa nechikwereti chakakura-kusvika-chekuwana, zvimwe zvezvinhu zvinoita kuti uwane chikwereti chakakura-kune-mari inogona kukuvadza iwe chikwereti chako .
Kunyanya zvakanyanya, kadhi rakakweretesa uye chikwereti chezvikwereti, icho chinogona kutora chikamu mune chikwereti chako chekukwereti-kusvika-kuwanikwa, chinogona kukuvadza chikwereti chako chikoro.
Nzira Yokuderedza Nharo Yako-ku-Kuwana Ratio
Kune dzimwe nguva apo kuva nechikwereti chakakura-kusvika-kuwana mari chinonzwisisika. Semuenzaniso, hazvina kunaka kuti uve nechikwata chakanaka kana uchibhadhara chikwereti chako zvine utsinye. Kune rumwe rutivi, kana uwandu hwehuwandu hwako hwakakwirira uye iwe uri kungoita zvishoma kubhadhara, ichinetso.
Kazhinji, kune nzira mbiri dzekuderedza chikwereti chako-kusvika-kuwana mari. Chokutanga, unogona kuwedzera mari yako. Izvozvo zvinogona kureva kushanda nguva yakawanda, kukumbira kubhadharwa mubhadharo, kutora basa rekasa, kutanga bhizinesi, kana kuunza mari kubva pane zvinokuvaraidza. Kunyanya iwe unogona kuwedzera mari yako yemwedzi wega (usingatauri pamwe chete kukwidza chikwereti chako) iyo yakaderera chikwereti chako-kusvika-purogiramu ichave.
Nzira yechipiri yekuderedza chiyero chako ndeyekubhadhara chikwereti chako. Paunenge uri mune chikwereti chekubhadhara mafashoni, chikwereti chako-kusvika-purogiramu chichawedzera kwenguva pfupi nokuti uri kushandisa zvakawanda zvemari yako yemwedzi pamari yekubhadhara chikwereti. Izvozvo ndezvokuti chikamu chepamusoro chemari yako chichave ichienda kune chikwereti. Semuenzaniso, kana mari yako yemwedzi ndeye $ 1 000 uye iwe ikozvino uri kushandisa $ 480 pane chikwereti mwedzi wega wega, ipapo chiyero chako ndeche 48%.
Kana ukasarudza kushandisa $ 700 pamwedzi pamutero wekutora chikwereti, ipapo chiyero chako chaizowedzera kusvika ku70%. Asi, apo iwe wakabhadhara chikwereti zvachose kubva kure, chiyero chako chaizoderera kusvika ku 0% nokuti iwe haungazoshandisi mari yako pane chikwereti.