Inoita Sense kuRefinance?
Mitemo yeChimbwa
Chimiro chetsika chechigunwe (icho iwe waunofanira kushandisa nepfupi) kuti uone kuti nguva yekugadzirisa chii chekuongorora kwakakosha.
Izvi zvinokubvumira kuti uone kuti zvichazotora nguva yakareba sei kuti uwanezve mari yekuvhara yaunofanira kubhadhara kunatsiridza. Somuenzaniso, fungidzira iwe uchabhadhara $ 2,000 kuti uzvidzore uye kubhadhara kwako kuchaderedzwa ne $ 100 pamwedzi. Muchiitiko ichi, unotanga kuchengetedza mari mushure memwedzi makumi maviri (iyo mari ye $ 2,000 inokonzerwa ne $ 100 yemari yekupera kwemwedzi yakaenzana nemwedzi 20).
Kushandisa mutemo uyu wechigunwe, iwe unogona kusarudza kuti unofanira kufungisisa kana uchizochengeta chikwereti chako kwemwedzi inenge 20 - shure kweizvozvo, uri mberi ne $ 100 pamwedzi. Vanhu vakawanda vanoshandisa nzira iyi zvinoratidza kuti zvine musoro kugadzirisa kana nzvimbo yako yepamusoro iri mukati memakore maviri kana kupfuura, uye iyo haisi mazano akaipa. Zvisinei, iyi nzira inoderedza zvinhu , uye zvakakosha nguva yako kuti uwane kunzwisisa zviri nani zvekwereti yako usati waita chisarudzo chikuru. Mushure mezvose, izvi zvichida ndiyo chikwereti chikuru chaungambobata nacho.
Sei uri kufungisisa?
Tanga nemasimboti: nei uchifanira kugadzirisa?
Zvinongonzwisisika kana iwe ukazoguma uponesa mari kana kugadzirisa dambudziko . Muenzaniso wechinetso chekugadzirisa ndechokuti iwe unogona kubuda kunze kwechigadziriswa chekubhadhara mari (ARM); kunatsiridzira mune imwe yakasarudzwa mari yekubhadhara kunoreva kuti iwe uchaziva nguva dzose mari yako yaunotora pamwedzi.
Kuchengeta mari kunoreva zvinhu zvakasiyana kune vanhu vakasiyana.
Nzira iri nyore yekufunga nezvekuponesa ndeyekutarisa kubuda kwemari: iwe unofanira kugovana zvakadini, uye iwe uchaponesa zvakadini? Kudzora kwekutengesa kwepamusoro kwechigunwe kumusoro kunotarisa kubuda kwemari, uye kubuda kwemari kunokosha.
Zvisinei, unogona kugumisa kushandisa mari yakawanda kunyange kana zvichiita sokuti uri kushandisa zvishoma. Mari inoyerera inongova chinhu chimwe chete. Nguva yako yehupenyu yekuda mari ndeimwe chimwe chinhu chinokosha. Iko kuti, mari yose yaunobhadhara bhangi pamusoro pehupenyu hwechikwereti yako inofanira kuva chikamu chekuenzanisa. Mune zvimwe zviitiko, kufarira kwako kwose kunowedzera kana iwe uchigadzirisa - kunyange kana kubhadhara kwako kwemwedzi pamwedzi kuderera. Izvi zvinonyanya kuitika kana iwe uchinonoka kupinda mune imwe nguva yemari chikwereti (semakore makumi matatu ekubhadhara mari ).
Paunenge uchiita mari pamwedzi, chikamu chebhadharo chako chinotsiva mari yawakakwereta, uye chikamu chayo ndeyekuda mari yako. Kuti unzwisise izvi zvakanyatsodzidza, dzidza kuti kubhadhara kunoshanda sei . Kana iwe uchigadzirisa, iwe unowana chikwereti chitsva, uye iwe unotangazve kutora matanho. Zvizhinji zvekubhadhara kwako mumakore ekutanga zvinosvika kune zvaunofarira - hazviiti kuti hove yakakura mumari yako chikwereti.
Kana iwe uchichengeta chikwereti chako chekare, huwandu hwekubhadhara umwe neumwe hunoenda pakugadzirisa chikwereti chemari. Asi kana iwe ukakwereta chikwereti chako chekare kune imwe itsva, iwe uchabhadhara zvakawanda zvekufarira usati wadzokera kumabhizimisi ekubhadhara chikwereti chemari.
The tradeoff ndeyekuti iwe unofara kunakidzwa nekubhadhara mwedzi mumwe nomumwe nhasi.
Imwe nzira yekuiisa: iwe unogona kupedza mazana mashoma madhora pasi mwedzi mumwe nomumwe kana iwe uchigadzirisa (izvo zvisina kufanana ne "kuponesa" mashomanana madhora emadhora), asi zvinogona kutora makumi ezviuru zvemadhora pamusoro pehupenyu hwako. Zvakakodzera here? Iwe chete iwe unogona kusarudza.
Zvadaro, dzidza kutarisa pasi pe hood uye uone kana kana kuti usati wanyatsogadzirisa .