Iwe Une Izvo Zvikwereti Zvakanyanya
Imwe yenzira dzinoshandiswa kuverenga chikwereti chako mutoro ndeyokutsvaga chikwereti chako chekuwana mari .
Nhamba iyi inofananidza chikwereti chako chemwedzi nemwedzi chekuri chekushandisa chekushandisa mari yedu pamwedzi. Iwe unogona kuverenga chikwereti chako chekuwana mari chinosanganisira chikwereti chakanaka uye chakaipa, kana iwe unogona kusiya chikwereti chakanaka (chikwereti chevadzidzi, chikwereti chebhadharo). Kana iwe uchida kuisa chikwereti chako kudarika, kazhinji zviri nani kuverenga chiyero chichifunga chikwereti chakaipa chete. Kune rumwe rutivi, kana iwe uchida mifananidzo yakazara yechikwereti chako, sanganisira zvose chikwereti chakanaka uye chakaipa .
Kuverenga Chikwereti Kudarika
Semuenzaniso, ngatiti iwe unoda kuisa chikwereti chako kupfuura (chikwereti chakaipa chete). Ingowedzera mari yaunopedza mwedzi mumwe nomumwe pane chikwereti chakashata, sekukweretheni makadhi uye zvikwereti, uye ugozviparadzanisa nemari yako yose yemwedzi. Wedzera iyo nhamba ne100 kuti iuye nehuwandu. Chigumisiro ichocho chikwereti chako-kusvika-purogiramu yako.
Somuenzaniso, funga kuti iwe unokwana $ 3,000 pamwedzi uye iwe unopedza $ 300 pamakadhi okukweretesa uye $ 450 pane chikwereti chemotokari. Nhamba yako yekuverenga inenge iri $ 750 / $ 3,000 = 0.25.
Wedzera izvozvi ne100 kune chikwereti chemari-25%. Mumuenzaniso uyu, unopedza chikamu chemari yako kubva pane chikwereti chakaipa.
Kana iri kuuya kune chikwereti, ingave chakanaka kana chakaipa, pasi pechikwereti chaunacho, chiri nani. Chikwereti chakaipa chinopfuura 10% chakanyanya kukwirira uye kazhinji chiratidzo chokuti iwe uzere nekwereti. Muchiitiko ichi, iwe unenge uine chikwereti chakaipa zvikuru.
Kunzwisisa Kwose Kwematokari
Pachave nenguva apo iwe unoda kuongorora mufananidzo wako wemari chikwereti, kusanganisira chikwereti chakanaka uye chikwereti chakaipa. Iko kuverenga kwakafanana neyomuenzaniso wekare; musiyano chete ndewekuti unosanganisira chikwereti chako chose pane kungova chikwereti chakaipa.
Kuti uverenge chikwereti chenyu chekuita-kusvika-pari, wedzera chikwereti chako chemwedzi chairo chikwereti mari. Izvi zvinosanganisira kubhadhara makadhi emakwereti, zvikwereti zvevadzidzi, kubhadhara kana kubhadhara, rubatsiro rwevana kana alimony, nezvimwe zvikwereti kana makadhi emakadhi. Zvose zvinotevera mari yako yemwedzi, kusanganisira kutora kumusha, kubhadhara kana kubatsirana nevana, mabhonasi, kana zvikamu.
Gurai chikwereti chenyu chekubhadharwa nemari yako yose (usakanganwa kuwedzera ne 100) nokuda kwechikwereti-kusvika-purogiramu yako. Chikamu chako chekwereti-kune-muhomwe, uchifunga zvose chikwereti chakanaka uye chakashata, chinonyanya ku 36% kana pasi. Chiyero chinodarika 30% chakanakisisa, asi chikamu chinopfuura 40% chikamu chekundu chekuda mari inogona kuitika.
The Result
Kana iwe ukaona kuti une chikwereti chakawanda, unogona kuisa pamwe chirongwa chokuderedza chikwereti chako . Hakusi kungoita kuti mari yako ive nyore nyore kutarisira, ichavandudza chikwereti chako zvakare.