Kuverenga iwe pachako kushandisa chikwere kunogona kukubatsira kutarisira zvikwereti zvako zvekadhi rechikwereti. Kana kushandisa kwako kwakakwirira, unogona kuderedza mari yako yekushandisa mari yekwereti uye kuderedza zviyero zvako kuderedza kushandiswa kwako.
Zvaunoda
Kuverenga chikwereti chako kushandisa zvakanaka. Zvinongotora maminetsi mashomanana uye zvishoma zvemaitiro mashoma - kwete zvakaoma kunzwisisa kana masvomhu anonyadzisa anodiwa.
Iwe uchada kopi yako yakadarika yemari yekubhadhara chikamu chekutenga kana zvitatimiso zvako zvose zvekutengesa kana iwe uchida kuverenga yako yose chikwereti chekushandisa. Kana kuti, iwe unogona kutumira ku-akhawunti yako yepaIndaneti kana kutumidza mutsara wako wekambani yemari yekwereti kuti uwane ruzivo rwako rwekugadzirisa nekukwereta kwekwereti. Imwe kambani yemahoro yekodhadhi yako yekwereti inogonawo kuva yakakosha nokuti inosanganisira iyo yose yekodzero yako yepaiti mune imwe nzvimbo. Uyezve, kushandisa chikwereti icho chinowedzera mukwereti yako chikoro chichave chakavakirwa pamashoko ari muhupoti yako yechikwereti.
Matanho Okuverenga Kushandisa Kwako Kwereti
- Tsvaga mukana wako wezvino uye chikwereti pane chikamu chako chekutora chikwereti chekubhadhara chikwereti. Kana chikwereti chako chekwereti chisina kunyorwa, unogona kudana nebasa rako rekadhi yemakadhi uchishandisa nhamba iri kumashure kwekadhi rako rechikwereti kuti uwane.
- Gurai kadhi rechikwereti nemari yekukwereta. (Pakutora yako, nyora kadhi rechikwereti, chengetedza "kugovera ne" bhatani, wozoisa chikwereti chekwereti uye chengetedza "bhata".
- Wedzerai chigumisiro ne 100. (Mu calculator yako press the "multiply" bhatani uye pinda 100. Zvino shandisa "kuenzana" bhatani.) Chigumisiro chako chikwereti chekushandisa se peresenti.
Muenzaniso Wokushandiswa Kwekubhadhara Chikwereti
Ngatitii kadhi rako rechikwereti rinokwana $ 600 uye chikwereti chako chikwereti $ 1,000. Iwe ungaparadzanisa 600 ne1000 kuti uwane .60. Zvadaro wande .60 ne100 kuti uwane 60%.
Kana iwe uchida kuverenga chikwereti chako chekushandisa kweakaunti dzako dzose, tanga kuwedzera zviyero zvose. Zvadaro uwedzere zvose zvikwereti zvitsva. Gurai muyero wega wega chikwereti chekwereti uye wozowedzera ne 100. Chigumisiro chako ndechekushandisa mari yako yose.
Ngatiti iwe une zvikwereti zvekadhi rechikwereti uye zvikwereti zvekwereti:
| Kadhi rechikwereti | Balance | Limit |
| A | $ 655 | $ 1,000 |
| B | $ 1,256 | $ 4,000 |
| C | $ 890 | $ 3,000 |
| Total | $ 2,801 | $ 8,000 |
Kuti uverenge chikwereti cheshandiswa chezvikwereti izvi, iwe ungagovana $ 2 801 ne $ 8,000 kuti uwane .35 (mushure mekukomba). Zvadaro wedzera ne100 kuti uwane 35%.
Kubhadhara Kwako Kushandisa Mari Kwako
Kushandisa kwako chikwereti kunogona kuchinja sezvo kadhi yako yekwereti yekwereti inodzokorora chikwereti chekwereti chekwereti nemabhadharo emarikiti. Kuchinja kune chikwereti chemiganhu yako, chikamu chekuendesa, kutenga, kubhadhara, nekuzarura maakaunti matsva kuchakanganisawo kushandisa chikwereti chako.
Kuramba uchichinja zuva rega rega kana kunyangwe kune mwedzi wako kushandiswa kwekwereti kunogona kuoma, kunyanya kana une makadhi akawanda emakadhi. Iwe unogona kunyatsogona kushandisa chikwereti chako kuburikidza nekuchengeta zvikwereti zvekadhi rako rechikwereti pasi pe30% yemukwereti wechikwereti. Zvadaro, ita periodic checkup pane yako yose chikwereti kushandisa kuti uve nechokwadi chekutarisira zvikwereti zvako zvekwereti zvakanaka .