Bi-Weekly Payments Inogona Kuchengetedza Zviuru nezvikamu zveShave Zvichibva Kuda Mari yako
Zvinoshamisa kuti iwe unogona kuzviponesa makumi makumi ezviuru zvemadhora uye kutora makore kubva pane yako yekubhadhara. Heino nzira.
Mafambisirwo Api-Mavhiki Nevhiki Anoshanda
Iko kushambadzira kwebhadharo yevhiki nevhiki kunouya kubva kunekuti kune vhiki makumi mashanu nemakumi mashanu pagore, saka iwe unogona kuva nemari 26. Kana iwe uchingotora mabhiri maviri pamwedzi, iyo ingangodaro inokwana makumi maviri nemana mugore, saka chaizvoizvo, iyo nzira yevhiki nevhiki iwe uri kuita zvikwereti zviviri zvekare gore negore, izvo zvakafanana nekuita imwe yepamwedzi yekubhadhara.
Heino muenzaniso. Ngatitaurire kuti mari yako yemazuva ekubhadhara mari inenge $ 1,000. Kupera kwegore, iwe uchapedza $ 12,000 pamitemo gumi nemaviri. Kana iwe ukasarudza kuita bha-masikati kubhadhara iwe unogona kuita $ 500 kubhadhara kwevhiki mbiri. Inoita sechinhu chimwechete, chakanaka? Zvakanaka, kana iwe ukatora madhora mazana mashanu uye wowedzera nemari 26 iwe une $ 13,000 mubhadharo rose. Uye fungidzira chii? Iko mari inopfuura $ 1 000 yakashandiswa zvakananga kune mukuru wako, nokudaro kuderedza mari yaunoshandisa pane zvekuda uye iwe uchabhadhara chikwereti chako kubva nokukurumidza.
Kuti unzwisise zviri nani mari yezvokwadi, pane $ 100,000 makore makumi matatu ekubhadhara chikwereti pa6,5%, iwe uchabhadhara $ 127,544 mubereko, pamwe ne $ 100,000 mukuru, nokuda kwe $ 227,544. Kubhadhara imwe hafu yebhadharo yako yepamwedzi yekubhadharwa kwemari kwevhiki imwe neimwe ichaita kuti iwe uwane $ 97,215, mari ye $ 30,329. Zviri pachena, iyo yakakura yako yaunotora chikwereti uye inowedzera chikamu chako chekuda, iyo huru yekuchengetwa.
Nzira Yokuita Nayo Mari Yemavhiki Nevhiki
Saka, kushandura kubhadharo kwevhiki nevhiki kwakajeka sekuparadzanisa kubhadhara kwako kwemwedzi mukati uye nekuita kubhadhara kwevhiki mbiri, zvakarurama? Zvakanaka, kwete nekukurumidza. Kunyange zvazvo iyo ndiyo pfungwa yakawanda, iwe unoda kutarisa nemutengi wako kutanga. Kune imwe, iwe unogona kunge watova nebhadharo yakagadziriswa yakananga uye iwe unoda kuve nechokwadi kuti unogona kumira izvozvo. Kana zvisina kudaro, iwe ungazviwana uchibhadhara zvimwe.
Uyewo, iva nechokwadi chokuti wako chikwereti achabvuma ma-weekly repayment. Kunyange zvazvo vazhinji vakakweretesa vachifanira, pane zviitiko zvavasingazoiti, kana kana vakadaro, vangave vasingashandisi zvinyorwa kune mukuru. Iwe unofanirwa kuva nechikwereti chichakurumidza kubhadhara chikamu chimwe nechimwe chebhadharo pamwedzi pawakagamuchira. Kana wakweretesa wako achimirira kusvikira chikwereti chechipiri chave chichigamuchirwa usati watora chikwereti chako, hauzombooni zvakanakira.
Pakupedzisira, iva nechokwadi chokuti hausi chirango chekubhadhara chikwereti chako. Zvikwereti zvakawanda zvemazuva ano hazvina chikwereti chekubhadhara, asi kune zvimwezve kunze uko izvo zvichakutora iwe nekuedza kubhadhara chikwereti chako pakutanga. Zvinosuruvara asi ndezvechokwadi. Saka ingova nechokwadi chokuti hausi kuzoita zvinokuvadza kupfuura zvakanaka kuburikidza nekuedza kubhadhara mari yakawanda.
Zvinhu Zvokutarisira Kwazvo
Kuita kubhadharwa kwevhiki nevhiki chinhu chakakosha zvikuru, asi chenjerera zvinyorwa kana mapurogiramu anoti vanogona kuita izvi kwauri.
Mamwe makambani anopa kuchinja mari yako yepamwedzi yekubhadhara chikwereti mu-ma-weekly mubhadharo yemutengo wenguva imwechete inenge madhora mazana mana. Tiza kubva kunezvipo izvi. Hazvifaniri kukweretesa iwe chero chinhu chekubhadhara mari yako pachikwereti chako. Kunyange kana wako chikwereti asingagamuchiri kubhadhara kwemavhiki, iwe unogona kuwana mitezo imwechete nekuita imwe chete yebhadharo yemwedzi kamwe kamwe pagore.