Chokwadi Pamusoro Pose Kwete Kuvhara Mutengo Mari
Kana iwe uchiedzwa kuti ushandise chikwereti pasina mari yekuvhara, unoda kunzwisisa maitiro avanoita, izvo zvinonzi tradeoffs, uye kana pavanonyatsonzwisisa.
Chero nguva yaunokwereta mari, mumwe munhu anobhadharwa. Mukwereti anowana chikwereti icho chiri nyore kukwanisa kunzwisisa, asi zvakadini nekutengesa mari? Imwe nguva-mhomwe yekutengesa chikwereti, zviongorori, mari yekutanga, uye tsvakurudzo yepaiti inoda kubhadharwa. Imba vatengesi vanowana gwaro, uye vamwe vangawana mari yekutsvaga. Ndiani anobhadhara kana mari isingaratidzirwi pachena?
Kwete Mari Yakavhara = "Chikwata Chepamusoro"
Paunoshandisa pasina mari yekuvhara mari, iwe uchiripa mari. Iwe uchacherechedza kuti idzi zvikwereti zvine mari yakakwirira yemari . Panzvimbo yekubhadhara mberi mushure memari (nokunyora cheki, somuenzaniso), iwe unobhadhara zvishoma zvishoma kupfuura nguva. Mari inowanikwa - mune zviduku zvishoma - pamubhadharo wega wega wega wega wega waunoita.
Icho hachisi chaicho chinhu chakanaka kana chakaipa. Mubvunzo ndewekuti yakawanda sei iwe uchabhadhara mwedzi mushure memwedzi - uye iyo ndiyo iri nani pane kubhadhara mari yose ikozvino?
Kuti uzvione izvi, iwe unogona kuita zvishoma zvidzidzo, uye iwe unoda kuita mamwe mafungiro pamusoro pehunguva ipi yauchazochengeta chikwereti (usati watengesa imba kana kuti uchigadzirisa chikwereti kune chikwereti chakasiyana).
Chikwereti nechikwereti chakakwirira chinodaro zvinoreva kuti uchava nepamusoro pamwedzi wekubhadhara. Kana iwe uchida kuziva nezvekuti zvinoshanda sei, ona kuti ungaverenga sei kubhadhara kwepamwedzi - chikwata chekufarira chikamu "chidimbu" mune iyo kuverenga. Enzanisa nemitengo inowanikwa yezvikwereti uye uye isina kusvitsa mari.
Semuenzaniso, musiyano unogona kunge uri 0.5% (kuwana magwaro chaiwo kubva kune chikwereti zvichienderana nemari yako uye chikwereti chekwereti kuti uve nechokwadi chokuti uri kushanda pamwe nenhamba dzakakodzera).
Pane chikwereti chemadhora mazana maviri nemakumi maviri nemakumi maviri nemashanu, mutero wegore negore uye mutero unobhadhara unenge $ 1342.05 kana ukwereta pa5%. Kana iwe uchinge uchinge wapera kusvika ku55% (nokuti hauzobhadhara mari yekuvhara), kubhadhara kwaizochinja kusvika $ 1419.47. Kwemwedzi yakawanda zvakakosha sei kubhadhara mari inopfuura $ 77.42 pamwedzi? Izvi zvichabva pahuwandu hwekuvhara mari, uye kuti iwe unoda sei kuchengeta mari muhomwe yako.
Apo Hapana Kuvhara Mari Yakavhara Icho Chirevo Chakanakisisa
Kubhadhara mari imwe neimwe mwedzi hakusi kwakaipa. Inogona kuva sarudzo yakanaka pane dzimwe nguva. Zvechokwadi, iwe unofanirwa kusimbisa chisarudzo chako pamufananidzo mukuru - kwete kurwadziwa kwakaswedera kwekunyora kuongorora kukuru kwekuvhara mari nhasi.
Kana zvikwereti zvichanyura munguva yemberi iri pedo, zvingasave zvisinganzwisisi kubhadhara mari yakawanda kubva muhomwe kuti ivhare mukwereti yakakwirira. Iwe unogona kuedza kungobhadhara zvishoma zvishoma mwedzi mumwe nomumwe, uyezve kugadzirisa chikwereti kana mitero ichiwa. Zvinosuruvarisa, iwe haugoni kuva nechokwadi nezvehukuru, hutungamiri, kana nguva yekufarira kuchinja kwekuchinja, saka iwe unofanirwa kuita mamwe mafungiro uye kutora zvimwe njodzi (kana iwe uchibhadhara mari kubva muhomwe kana kwete).
Kana iwe unonyatsoziva kuti iwe uchatengesa imba kana kugadzirisa chikwereti mukati memakore mashomanana (makore mashanu kana pasi, ngatitaurire), zvino zvingava zvine musoro kutsika kubhadhara mari yekuvhara ikozvino.
Iwe uchabhadhara chikwereti chepamusoro chemwedzi pamakore mashomanana - kwete nguva yose yemakore makumi matatu ekubhadhara mari. Iwe unogona kuziva kuti kushandiswa kwebasa iri mune ramangwana rako, kana nyaya dziri muhupoti yako yekwereti ichakubvumira kuti uwane chikwereti chiri nani pane ramangwana. Zvakare, hazvibviri kutaurira remangwana, asi iwe unogona kugara uchigadzira zvirongwa uye uchitungamira mune izvozvi.
Apo iri Mamiriro akaipa
Zvinoshungurudza kubhadhara mari yakawanda ikozvino, asi izvo zvingava chinhu chakanaka chaungaita kana iwe ukakwanisa kuzvigadzirira zvakanaka zvakanaka kwenguva refu. Kuchengetedza mari shoma yemwedzi pamwedzi inouya kunogona kukubatsira kutarisa zvimwe zvezvishamiso zvehupenyu (uye kupedza zvishoma zvachose, kana ukagumisa kuchengeta chikwereti kwenguva refu).
Funga kaviri pamusoro pekutora mutengo wakakwirira (usina mari yekuvhara) apo:
- Matengo akaderera, uye iwe unotarisira kuti vauye
- Iwe uchachengetedza chikwereti kwemakore mazhinji
- Iwe unogona kutenga kutenga mari shoma inotoneka
Nzira Yokuwana Mari Yakanakisisa
Kana iwe uchida kusina zvikwereti zvekuvhara mari, iva nechokwadi chekutarisa zvinhu zvose uye upedze nguva shomanana uchitamba nhamba. Hungu, inonzwa sechikoro chekuchikoro, asi ichi chinhu chinokosha. Zvadaro, tenga pedyo.
Iwe unogona kazhinji kuwana zvinyorwa zvakasiyana-siyana kubva kune mumwe mutengesi - dzimwe dzezvo nekuvhara mari uye nevamwe vane maitiro akasiyana ekuvhara mari. Nezvose zvaunogona kuita pamberi pako, uchaona kuti unogona kuwana mukana wemari yakagamuchirwa kwauri.
Ita zvimwe zvekufananidza zvekutengesa zvakare. Bvunza maverengi ezvitoro vatengesi pamwe nebhangi rako kana chikwereti chekodhi yezvinyorwa. Tarisa nekweretesa iri muIndaneti. Uchaona kuti vanogadzirisa kugadzirisa mari zvakasiyana uye vanogona kupa zviyero zvakasiyana.
Kuvhara mari yakaoma, uye hapana mari yekuvhara mari yairosi haisi nguva dzose isingadhuri sezvainoita. Iva nechokwadi chekuti unonzwisisa kuti kupfigirwa kunoshandiswa sei kushanda usati wambosvitsa mutambo.