Nhungamiro Nhanho-Nhanho Yekufambisa Nhoroondo dzeBhanki
Tevera chinyorwa chiri pasi apa kuti uende kugabheni rako idzva nokukurumidza uye kusuruvara sezvinobvira.
1. Vhura Account yako yeNew Bank
Tsvaga nhoroondo yako itsva uye uite-nekukurumidza, zviri nani. Iwe haugone kuchinja mabhanji kunze kwekuti iwe une imwe nzvimbo kuenda.
Kuvhura nhoroondo ishanho kadiki iwe unogona kupedza paIndaneti mumaminitsi gumi kana pasi . Ita mari mu akaunti yako itsva, kumirira iyo mari yekudzima , uye chengeta kuti uone kuti zvinhu zvose zvinoita zvakanaka.
Tanga musoro unotanga: Vhura akaunti yako kanenge kwevhiki kana maviri usati wataronga pakugadzirisa kwekupedzisira. Izvi zvinokubvumira kushandisa kambani kana uchida. Iwe unoda kuva nekadhi yako yebhadharo mu-ruoko (iyo inogona kuuya neyokutumira) pamwe nekusvika kwepaIndaneti, password yekushanda, uye yebhandi yebasa re mobile.
Bhenganisa zvikwereti: Isa urongwa hwemagetsi pakati pekare uye nhoroondo itsva. Iyi ndiyo nzira iri nyore uye inosvibiswa yekuendesa mari, uye iwe unogona kuchinja mari kune imwechete kana kaviri kusvikira zvinhu zvose zvichitumirwa mukati. Ona kuti ungabatanidza sei mabhangi ebhengi . Kana mabhendi ako ose achishandisa Zelle , iwe uri muhombe-ndiyo inowanzoita nzira inokurumidza kushandisa mari mari.
2. Ziva Mari Yedzimwe Chete
Ita rondedzero : Tora zvinyorwa zvese zvinokwereta iwe unowanzobhadhara kubva kubhangi yako yebhangi .
Iwe haugoni kuvhara (kana kusina) iyo yekare yebhangi yebhangi kusvikira iwe wakagadzira imwe nzira yekubhadhara iyo mabhiridha.
Iwe unogona kuchinja kune imwe yekare-yebhadharo yebhadharo kwekanguva kuitira kuti hapana chinorasikirwa mumusangano. Iwe unogonazve kubhadhara zvikwereti uchishanda mubhadharo rekubhadhara pamutambo , asi iwe "uchasvitsa" mari kunze pane kuva nevatsigiri vako vekupa "kutora" zvikwereti apo iwe ungasatarisira.
Nhoroondo dzakafanana? Kana iwe uchikwanise kuibhadhara, chengetedza zvikwereti zvose uye zvakakwana kuti uvhare zvikwereti, uye shandura mari yebhadharo yekodha idzva sezvo bhiriro rimwe nerimwe rinouya.
Zvakanaka, iwe uchatenderera paakaunti yako itsva zvese zvichibvira. Kana iwe uzonyorera cheki kana kushandisa shanduro yemutengo wepaIndaneti , tanga kunyora kuongorora kubva ku-akhawunti itsva, uye kubhadhara zvikwereti izvozvo nokuendesa mari kubva kubhuku rako rekare.
Kuona zvakakwana: Ongorora gore rose rekutengesa mubhuku rako rekare. Mushumo wegore rapera haukwani-mwedzi mitatu inenge isina zvishoma. Iwe unogona kungoita zvimwe zvikwereti gore negore kana roga roga, uye izvo zvinowanzove zvikwereti zvinokosha (premium premium premium, somuenzaniso). Zvimwe zvikwereti zvingasave zvisingabviri, zvakadai sePayPal zvinyorwa zvekuongorora kwako kwebhadhiro yekusagadzikana kweBay kutenga.
Ita rondedzero yezvinhu zvose zvaunoshandisa, uye uzvicherechedza kubva kune imwe-ne-imwe sezvaunenge uchigadzirisa kuvashandura kubhengi yako yebhangi.
3. Dzorerazve Imari yako
Kana iwe uchitumira mari yacho kuakaunti yako yekare, kumbira mushandi wako kuti achinje mari kune akaunti itsva . Zvechokwadi, unofanirwa kupedza nguva iyi shanduko nemari ipi zvayo ichabuda kubva muakaunti yako yekare. Zvakare, gadzirira kuendesa mari pakati peakarenda enyu ekare uye matsva (zvichida nekunyora cheki kana kuti kuendesa magetsi) kakawanda musati maita.
Zvese kamwe chete? Iwe unogona zvakare kuedza nguva nguva dzose zvakakwana uye kuita shanduko yakakwana uye yakakwana pane imwe zuva. Asi zviri nyore kukanganwa zvinhu, uye kubwinya kunogona kukanda muromo mukati mezvirongwa zvakarongeka.
Nguva yekushandura: Tarisa zvakare kuburikidza nehuwandu hwekutengeserana kwako uye uwane zuva richakupa nguva yakawanda yekutungamirira nguva. Semuenzaniso, kana iwe usina chero zviitiko zvekutengesa pakati pe2 ne12 ye mwedzi woga woga, shandura zvinhu zvose zvechipiri kuitira kuti vashandi vako vevashandi (kambani yegetsi, mortgage, inshuwarisi, nezvimwewo) uye wako waanoshandisa nguva yekuvandudza yako nhoroondo yenyaya.
Kuderedza: Zvinogona kutora nguva yakawanda yekubhadhara kana kutengesa mabheji kuti zvibhadhe kuchinjwa kwebhangi itsva yebhangi. Bvunza wako waunoshandisa nguva yakareba sei, uye ronga zvinhu zvakakodzera.
Iva nechokwadi chekufungisisa zvose zvekuwana mari yako, kusanganisira:
- Social Security inobatsira
- Pension uye annuity revenue
- Kubhadhara mari yekuwana mari uye kugadzirisa zvikwereti
4. Tarisira Zvikanganiso
Pane mukana wakanaka kuti mumwe munhu-zvichida iwe-achaita chikanganiso apo iwe uchishandura mabhenji.
Chengetedza zvishoma mubhuku rako rekare kuti kuderedza kuderedza. Kana zvichitora mwedzi wedzimwemwe kuitira kuti bhizimisi rako rekushandisa mari rifambe, zviri nani kubhadhara kubva kubhuku rekare kudarika kurasikirwa kana kubhadhara nguva. Kubhadharwa kwekwereti pamabhadharo kunogona kutungamirira kubhadharo yemari ( kubva kubhangi rako nevanopa vashandi) uye kunyange kukanganisa chikoro chako chikoro .
5. Chengeta Akaunti Yenyu Yekare Yakazarurwa (Kwekanguva)
Usavhara account yako yekare nokukurumidza. Zvinogona kutora nguva yakawanda kudarika iwe unotarisira kujekesa zvakananga deposit uye mirayiridzo yekubhadhara. Chimirira mwedzi miviri kana maviri kuti uve nechokwadi chokuti munhu wese ari kushandisa ruzivo rwebhuku rako idzva. Kana uri kushandura mabhenji pamusana pemari, iwe unenge uchida kuvhara account yako. Zvisinei, kana uri kuchinja kune zvimwe zvikonzero (kuchinja kwenzvimbo, somuenzaniso), yakachengetedzeka kurega kero yako yekare inotanga kwekanguva.
Chengetedza cheki rako rekupedzisira nguva yekupedzisira kuti uve nechokwadi kuti hapana chekuongorora zvakakosha kana kukanganwa mari yekubhadhara mumagetsi yako yekare.
6. Pakupedzisira, Vhura Akaunti Yakare!
Vhura account yako kana wava nechokwadi kuti haufaniri. Taura nebhangi ugobvunza kuti ungavhara sei akaunti yacho zvakanaka. Muzviitiko zvizhinji, iwe unogona kungotumira tsamba (iyi ndiyo tsamba yekuenzanisa kuvhara maakaunti kana iwe uchida iyo), asi mabhuku akabatana angave ane zvimwe zvinodiwa.
Tora mari: Bvisa chero mari yakasara. Iwe unogona kuita izvi mumari (kana iri duku) kana nekukumbira chekoni yekashi. Kuzvinyora cheko rako pachako hakusi yakachengeteka nekuti iwe unogona kusakwanisa kugadzira cheki pamberi pebhangi rako rinopedza account. Chero nzira, ita kuti ive yakarongeka. Ipa bhadha mirayiridzo yakarongedza kuitira kuti varege kurega kubhadhara chikwereti, kubudisa zvinyorwa, uye kubhadhara mari, uye uvaudze kupi kutumira chero mari yakasara.