Sei Vadzidzi Vakawanda Vachipinda Muchinetso Nezvikwereti Zvevadzidzi?

Zvikwereti Zvemari yevadzidzi uye Zvaunogona Kuita Zvakasiyana

Iyo hurukuro huru yemudzidzi wezvikwereti ingangove imwe yenharo dzakanyanya munyika. Kunyange zvazvo vadzidzi vazhinji vachibvumirana kuti kukwereta mari kuburikidza nemari yechikwereti yevadzidzi ndiyo chete nzira yavanogona kubhadhara kukoroji, vazhinji vanoona kuti iri mutoro unorema kubhadhara zvikwereti pavanopedza kudzidza. Kunyange zvazvo New York State iri kuedza sarudzo yake yakasiyana yekupa rusununguko rwedzidzo pamakorosi ayo ehurumende maviri uye mana emakore pakutsinhanisa mukufambira mberi mune zvidzidzo uye kuguma kwekupedza kudzidza, vadzidzi mune dzimwe nyika vanofanira kutarisana nemamiriro ekukwereta iye zvino sezvazviri.

Kunze kwekuti Dhipatimendi re Dzidzo inouya nemitemo mitsva yekubhadhara chikwereti nemari yekubhadhara, pano pane zvikanganiso zvechikwereti zvevadzidzi zvinogona kuwana vadzidzi nematare mumatambudziko, uye mamwe mazano pamusoro pezvaunokwanisa kuita zvakasiyana:

Mistake: Kufunga kuti iwe unofanirwa kubvuma chikwereti chemudzidzi semuenzaniso sezvinotsanangurwa mubhadharo remari yako yechikoro.

Kugadzirisa: Rega kufunga, uye kuziva zvauri kuzviwana iwe mune ramangwana. Kunzwisisa rubatsiro rwako rwezvemari, ruenzanisa zvikoro zvakanyatsonaka, uye usangokubhadhara izvo zvakanyorwa mumutsamba yako. Iwe nevabereki vako muchave muchizvipira kumakore gumi nemakumi matatu ekubhadharwa, saka shandisai muongorori wemutengo wekubhadhara chikwereti chemudzidzi kuti aone kuti izvo zvinosanganisirei. Kana iwe ukagona kuwana mari kuburikidza nemamwe magwaro, itai izvozvo kutanga, wozokwereta zvishoma pane izvo zvinopiwa.

Mistake: Kutarisa mari yechikwereti yevadzidzi semhando ye "slush fund" yekushandisa pazvinhu zvisina kukodzera mari yekoroji.

Kugadziriswa: Mushure mokuita kukanganisa kwekutanga nekukwereta, vadzidzi vanoramba vachiwedzera kukanganisa uku nokunyengera kushandisa mari yavanowana. Kunyange zvazvo iri mari yakaisvonaka yekushandisa mari idzi pamakorosi, nzvimbo uye bhodhi, uye yakakodzera yekoroji-yakabhadhara mari, vakawanda vanosarudza kuita sarudzo yakaipa uye vanoshandisa iyo yehupenyu hwezuva nezuva uye zvekuvaraidza mari.

Havana kuziva kuti kufarira kuri kuwedzera kune mari iyo yose, uye kuti mari inoratidzika isina mhaka $ 100 inoshandiswa pausiku hunofadza zvino inogona kuguma inodhura mazana emadhora munguva yemberi. Ita bhajeti yakasimba, unamatire pairi, uye uwane dzimwe nzira dzekutora mari kune izvozvi zvakasiyana-siyana-zve-muhomwe mari.

Kukanganisa : Kusunga musoro wako muhomwe yechikoro nokukurumidza pashure pokunge wapedza kudzidza.

Kugadzirisa : Kutevera makore mana kusvika kumatanhatu, kana kupfuura, yehupenyu husingabatsiri, vadzidzi vanozopedzisira vapedza kudzidza uye vachipfuurira kutanga vachitsvaga mibairo yehupenyu. Zvichida vanotora zvipo zvekupedza zvipi zvavanowana uye kutenga motokari yakanaka kana kufara nezororo guru vasati vagadzirisa basa rekuwana basa. Mushure memwedzi inenge mitanhatu vanogamuchira kusagadzikana apo kubhadharwa kwezviziviso zvakakodzera kunotanga kusvika uye havana chirongwa chekubhadhara panzvimbo. Imwe yemabasa ekutanga mushure mokunge apedza kudzidza ndeyekutora chikwereti chemari chikwereti. Tsvaga mari chaiyo yawakakwereta, uyo wako chikwereti servicers, uye chii chauchabhadhara pamwedzi. Chengetedza imwe yemari yekudzidzira mari kuti uite mari apo iwe uri kutsvaga basa rako rekunyora-kojiji. Kana ukangokwanisa kuronga mari yako yekuwana uye yehupenyu huripo, eenzanisa nemari yaunokwereta. Kana uine mari yakawanda yekubuda pane kupinda, unoda kutora chikwereti chako servicers pakarepo kuti ukurukure zvirongwa zvekubhadhara dzimwe nzira kana kukwanisa kubhadhara chikwereti.

Zvakanyanya kunonoka kumirira kusvikira mabhizimisi achitanga kuuya, nokuti chikwereti chako chicharamba chichikura, pamwe chete nemari yekupedzisira uye mimwe mitero yemitengo, apo iwe uchiedza kuita mhinduro yekubhadhara.

Kukanganisa kukuru kwakamirira kwenguva yakareba kuti utore chero chiito chekupedza kudzidza. Vakuru vechidiki mumwedzi yavo yekutanga yekubata mari yavo pachavo vangave vasingaoni kuti vanokurumidza sei kupinda mumamiriro ekudzivirira emari. Vanorasikirwa nebhadharo kana maviri, vachifungidzira kuti hazvisi basa guru, uye havatori matanho ekugadzirisa mamiriro acho ezvinhu. Ndiyo apo zvinhu zvinotanga kubuda kunze uye zvinopedzisira zvatarisana nemamiriro ezvinhu apo vane mari yakawanda kudarika ivo vanogona kutarisira kudzorera. Zvikwereti zvevadzidzi zvinotsigira zvikuru, asi funga usati waita chikwereti.