Dzidza pamusoro peAvhareji Yezvokudya zveKunamatira Ring uye Maitiro Okugadzirisa Budget
Paunofunga kuti chii chaunofanira kupedza paine bhandi rekubatanidza, yeuka kuti kana vashambadziri uye varaidzo yepamagariro vakagadzikana vakaroorana kuti vafunge kuti ukuru uye mutengo wedhaimani nenzira imwe neimwe inopindirana nehutano rwekuda nekuzvipira, unoziva kuti haisi chokwadi.
Saka pano pane mazano akavimbika uye asina kujeka ekutenga nzira yekutengesa dhizinesi rinenge rakagadzirirwa uye pasina kuputsa bhangi.
Iyo Diamond seInvestment
Gara pasi pane imwe yezvishongo zvekushongedza uye iwe unenge uine chokwadi chekutengesa kutengesa pamusoro pepamusoro-soro madhaimondi kuva hutano hwakanaka . Kunyange zvazvo ichokwadi kuti madhayamondi chinhu chinokosha uye kuti vanogona kuwedzerwa kukosha kwemazuva, yeuka kuti kuwana mari yekutsvaga haisi iyo chinangwa chekutenga uku. Kana zvaive, mutungamiri wezvemari anogona kukukurudzira kuti utarise kune imwe nzvimbo sezvo pasina munhu anofanira kunge ari kutenga diamond yekuita shanje seyo nzira yekusiyana-siyana mahofisi avo. Diamond kushingaira zvindori hazvifaniri kunge iri mari yekubatsira pakudzivirira kana kuti nzvimbo yekuisa mari, saka chengetedza mari yako panguva ino uye funga nezvemari yemadhini uye kukosha nhasi.
Kukurudzira Kubatanidza Ring Ring Budget Myths
Usati wapinda mune zvaunofanira kupedza paine bhandi rekubatanidza, ngatitange ne debunking zvimwe zvezvinowanzobatanidzwa munhepfenyuro yemari yebhajethi:
Nhema 1: Iwe Unofanirwa Kutora Mwedzi Mwedzi Mwedzi
Iwe ungangodaro wakanzwa nezvekare "muhomwe wemwedzi miviri" kana kunyange "mubhadharo wemwedzi mitatu" bhajeti yemitemo, asi iyo "yepamusoro" haigoni kubhadhara mari yako yakasiyana yega yemari kana zvinangwa uye inoita sekuti inopesana. Saka izvi zvakatongerwa kupi? Kunyange zvazvo yakapfuurirwa uye yakashandurwa kwemakore, kujekesa bhadha yekusungirwa mari yekusungirwa maererano nehomwe yemwedzi muhomwe yakatanga nezviziviso zvakatangwa ne diamond conglomerate DeBeers muma1930s.
Chero chero mutengi wemari anonyatsoziva mari anofanira kuziva kuti mazano ehurumende iyo inomiririra kubatsiro kubva kumitengo yakakwirira haifaniri kuonekwa sekusasarura.
Nhema 2: Iwe Unofanirwa Kutarisa Chero Munhu Wose Anoshandisa Mari
Vamwe vanoshandisa mari yakawanda yebhadharo yekubatanidza sekutanga. Kunyangwe izvi zvingave pakutanga pakuonekwa kuti nzvimbo yakanaka yekutanga hurukuro, yega yebhadharo haina kuramba yakasimba mumakore mashomanana apfuura. Chaizvoizvo, chave chichikwira. Uye nepo muvhareji wekushongedza dhizimisi rekugadzira dhini rekushongedza mabhizimisi rave richikwira kusvika ikozvino kusvika kuma $ 5,800 kusvika ku $ 6,000 muna 2015, saka kune nguva yepakati pekutanga yemuchato uye semugumisiro, kuchengetedza kwemari kwevangakwanisi kutenga. Kunyange zvazvo chiitiko chinonakidza kuziva, vazhinji vanobvumirana kuti chiyero chekuita mari yebhadharo hachifaniri kuva neicho chaicho pamusangano wako wekuita bhadha bhajeti.
Iwe Unofanirwa Kuita Zvakawanda Zvakadini
Saka mazano akanakisisa atinokwanisa kupa ndokusarudza pane bhajeti yako kubva pauri hwehutano hwako usati waenda kunzvimbo yezvishongo, apo iwe unozviisa pasi pekumanikidzwa kwevatengesi vanhu uye zvipo zvakakosha. Iva nemafungiro pamusoro pezvaunogona kuwana kana uwandu hwekwereti iwe unoda uye unokwanisa kutora uye kwenguva yakareba sei.
Yeuka kuti iwe hausi kunze kwekunakidza jeweller (iwe wausati wambomira pamberi) kana mumwe munhu ane mutengo wemari yako yekuita. Gara mukati memiganhu yako uye iwe uzvichengetedze kunze kwechikwereti.
Chimbofunga Kutenga Kwayo Gomba Pamwechete
Ukama hunhamba hunoratidza kuti inopfuura hafu yevanhu inoshamisika mudiwa wavo neine diamond inosungirirwa ring panguva yekutsvaga. Izvi zvinoreva kuti vazhinji vesangano rekutengesa mabheji havangapindi mazano pamusoro pezvinhu zvinokosha kune avo vanouya mune ramangwana, iyo inogona kuita kugadzirisa bhajeti kunamatira pane zvakaoma zvikuru. Nokuunza wawakagara wako nemurume wako kuti aone zvingaita zvindori, iwe unogona kuwana mufananidzo wakajeka wemhemberero yekubatanidza iyo yaanoda zvechokwadi, iyo ichazivisa iwe kutenga. Kunyange kana kutengesa mhete pamwe chete hakusi mamiriro ako akanaka, kungotaura pamusoro pekuti zvinhu zvakadai sehukuru, kutema, chimiro, uye kunyange mari inokosha zvakakosha kwauri mose muchapa humwe hutungamiri.
Kana chimiro chakakosha kudarika kukura kana kudonha kunonyanya kukosha kudarika kujekesa, iwe uchakwanisa kusarudza kuti sei zvakanakisisa kuwedzera nekugovera bhajeti yako yemhete yakakwana.
Inguva yakawanda Dhiyabhorosi Kushanda Nheyo Dzinoshandiswa Mari
Pane zvikonzero zviviri zvinoita kuti pave nedhizimusi: chirongwa chekuverenga chinonzi "Four Cs" uye kana kwete kana diamond inonzi ASG / GIA yakavimbiswa. Ichina Cs inoreva marimondi, ruvara, tsananguro, uye kuwanda kwekarati. Sezvo mutemo wehurumende, sezvo diamond inowedzera mukukura uye kujekesa, uye inoderera muvara, mutengo wedhaimani inobuda. Daimondi dziri ASG / GIA dzakavimbiswa dzinodhurawo.
Zvizhinji zvezvishongo zvekushongedza zvinotevera humwe hurongwa hwekutengo hwakafanana nehuyu hunotevera (kunyange zvimwe zvinhu zvakadai sezvikwata zvichange zvichitarisa mumutengo wokupedzisira wekutengawo):
- Quarter carat kana kudarika diamond, $ 125 kusvika ku $ 500 yakagadzirwa negoridhe 14 carat
- 0.3 kusvika kuhafu carat diamond, $ 750 kusvika $ 1 000 inowanikwa mu 18 carat yegoridhe kana platinum, zvichida zvakanyanya kana ASG / GIA ichivimbiswa
- Kwema diamondi kusvika ku 0.75 carat, kana kuti maduku maduku ASG / GIA anovimbiswa, $ 1,000- $ 2,000
- Kune madhayamondi kusvika 1 carat, $ 2,000 kusvika ku $ 3 500, yakagadzirirwa mukati megoridhe 14 carat
- Mhando yepamusoro 1 carat diamond, $ 4,000 kana kupfuura, inogadzirwa ne 18 carat gold kana platinum
Iwe usati washandisa $ 5,000 paine diamond inogadzirisa ring, funga nezvekushandisa zvakashandiswa kwemari semari yekubhadhara pasi mumba kana kuti kutanga mhuri. Dhaimondi inogona kugara nekusingaperi, asi kana iwe usati uri mune zvemari yekuwana mari yakawanda inodhura iwe unogona nguva dzose kutanga zvishoma nekuvandudza gare gare kana hukuru hwakakosha iwe mose. Ungada here kupedza makore mashanu anotevera kubhadhara chikwereti chekwereti rechikwereti pamutengo wekutengeswa kwekambani kana kutanga uroora hupenyu huri nehupfumi hwaro hwaro?
Mamwe mazano ekuchengetedza mari pamusangano wekubatana
Heano dzimwe nzira dzokugadzirira kutenga ring yako kubva kune jeweller inodhura:
- Shandisa ringin'i yemhuri yekuita kwako
- Tenga rhete kubva kune antique shop
- Inoshamisa zvikuru-yakakwirira cubic zirconia
- Zvitoro zvepawn kana classified ads
- Funga imwe imwe dombo dhamondi
- Tenga nzvimbo yekushandisa uchishandisa mabwe maduku mashoma pane rimwe dombo guru