Nzira Dzakangwara Dzekushandisa Muganho Wako weKadhi reChikwereti
Makadhi echikwereti anowanzoonekwa se "munondo unocheka nemativi maviri." Kune rumwe rutivi, anoita kuti kutengeserana kuve nyore, anopa mukana wekuchinja mari, uye anopa zviziviso zvakasiyana-siyana. Kune rumwe rutivi, kushandiswa zvisina kunaka kunogona kutungamira kukuwedzera mabhiri, mitengo yemubereko yakakwira, uye kushushikana kwemari. Chinokosha hachisi kungova nekadhi rechikwereti chete; kunzwisisa mashandisiro aungaita kadhi rako rechikwereti nekuchenjera kuti ugare wakachengeteka, uchibudirira, uye uchiwana purofiti.
Kunzwisisa kuti muganho wekadhi rechikwereti chii
Muganho wekadhi rechikwereti ndiwo huwandu hwepamusoro hwaunogona kushandisa pakutengeserana uchishandisa kadhi rako rechikwereti. Semuenzaniso, kana muganho wako uri Rp10.000.000, huwandu hwese hwekutengeserana husina kubhadharwa (husina kubhadharwa) hahugone kudarika huwandu ihwohwo. Muganho uyu hausi wekuwedzera mari, asi chikwereti chenguva pfupi kubva kubhangi chinotarisirwa zvakanaka sechishandiso chekubhadhara, kwete sosi yemari itsva.
Pamusoro pemuganho wese, mamwe mabhangi anoshandisawo miganhu yakatarwa, senge yemari inobhadharwa, zvikamu, kana kutengeserana kwenyika dzese. Kunzwisisa marongerwo aya emiganhu kunogona kukubatsira kudzivirira kutengeserana kwakarambwa kana mari yekuwedzera isingakoshi.
Isa kukosha kwehuwandu hwemuganho wekushandisa hune hutano
Imwe yenheyo dzakakosha ndeyekuchengetedza chiyero chekushandisa chikwereti chako chakaderera. Tsika yakajairika ndeyekushandisa huwandu hwe30% yemuganho wako pese paunobhadhara. Kana muganho wako uri Rp10.000.000, edza kushandisa isingapfuure Rp3.000.000 mudenderedzwa rimwe chete, kunze kwekunge uine chikonzero chekukurumidzira uye uchikwanisa kuibhadhara.
Sei 30%? Nekuti kana muganho wekushandisa wakakwira, njodzi yacho inowedzera:
1. Uri kunetseka kubhadhara bhiri rese.
2. Chiyero chako chechikwereti (sekuongororwa kwemari mubhangi) chinogona kukanganiswa zvakanyanya.
3. Une mukana wekuti uwire muchimiro che "kuchera gomba wovhara gomba".
Chiyero chidiki chinopa nzvimbo yakachengeteka kana paine zvinodiwa zvisingatarisirwi.
Bhadhara zvizere, kwete mari shoma
Kubhadhara mari shoma kunogona kukubatsira kuti usanonoka kubhadhara, asi haisi mhinduro yakanaka yemari. Kana ukangobhadhara mari shoma chete, mari yasara inowedzera mubereko, uye chikwereti chako chinogona kukura nekukurumidza. Nzira yakangwara yekushandisa muganho wekadhi rako rechikwereti ndeyekuishandisa sechishandiso chekutengeserana nekuibhadhara mwedzi wega wega.
Kana ukamanikidzwa kutadza kubhadhara mari yese, gadzira hurongwa hwakajeka hwekubhadhara, senge mukati memwedzi miviri kusvika mitatu, uye misa kutengeserana kutsva kwechinguva kusvika mari yako yadzoka payakajairika. Kana ukangovhara mari yacho nekukurumidza, mubereko wauchawana ushoma.
Shandisa miganhu yekugadzirisa mari inobuda, kwete kushandisa zvinhu zvisina kurongeka.
Miganhu yemakadhi echikwereti inogona kubatsira senzira yekugadzirisa mari, semuenzaniso kune:
– Bhadhara zvinodiwa zvemazuva ese (kwete kuwedzera zvinodiwa zvitsva).
- Kugadzirisa mazuva ekubhadhara uye mazuva ekubhadhara mabhiri.
- Kutengeserana kwekukurumidzira kusingakwanise kunonotswa.
Zvisinei, makadhi echikwereti anogona kuva nengozi kana akashandiswa pakushandisa mari zvisina kurongeka: kutenga zvinhu zvakaderedzwa mutengo, kutevera mafambiro ezvinhu, kana kutenga zvinhu zvausingakwanise kutenga. Nzira yakangwara ndeyekugadzira mitemo yako wega, yakaita sekuti: "Makadhi echikwereti ndeekushandisa mari pamwedzi, kutakura, uye kutenga zvakarongwa nebhajeti."
Miganhu yakasiyana yezvinodiwa zvakasiyana
Kuti unyatsodzorwa, unogona "kupatsanura" muganho wako mupfungwa (kana kuburikidza nebhajeti). Semuenzaniso, kubva pamuganho weRp10.000.000:
– Rp. 3.000.000 yezvinodiwa zvezuva nezuva (chikafu, peturu, zvinyoreso).
– Rp. 2.000.000 ye emergency.
– Rp0–Rp2.000.000 yekushandisa mari yakarongwa (semuenzaniso kutenga zvekushandisa pabasa).
- Yasara inoshandiswa senzira yekuchengetedza huwandu hwekushandiswa hune hutano.
Nenzira iyi, hauzokwanisi kupedza muganho wako nyore nyore nekuti unonzwa sekunge "uchiripo."
Shandisa zvikamu zve 0% zvinosarudzwa
Kubhadhara zvikamu zve 0% kunogona kubatsira kana zviri zvemahara uye uchirangwa. Pfungwa yacho ndeyekuti: kubhadhara zvikamu zvezvikamu kunofanirwa kushandiswa pakutenga zvinhu zvinokosha, zvakaita selaptop yebasa, midziyo yemumba inokurumidza, kana mari yechikoro. Dzivisa kubhadhara zvikamu zvezvikamu pazvinhu zvinokurumidza kudzikira kukosha kana kuti zvinongoshandiswa chete.
Usati wabvisa mari muzvikamu, tarisa:
1. Ichokwadi here kuti i0% kana kuti pane muripo wekutonga?
2. Kubhadhara zvikamu zvishoma nezvishoma kunoderedza muganho (kazhinji hongu).
3. Uchiri kukwanisa kubhadhara mamwe mabhiri ezuva nezuva here mwedzi wega wega?
Kunyangwe iri 0%, kubhadhara mari muzvikamu kunoderedza kuchinjika kwemuganho wako.
Dzivisa kubvisa mari kubva kumakadhi echikwereti
Mari yekukweretesa inowanzo bhadhara mari yakawanda uye mubereko—kazhinji mushure mekutengeserana. Izvi zvinogona kukurumidza kuderedza muganho wako uye kuwedzera mari. Nzira yakangwara yekushandisa muganho wako ndeyekuita kuti mari yekukweretesa ive nzira yekupedzisira kana paine njodzi, kwete tsika.
Kana uchiwanzoshaya mari, zviri nani kuongorora bhajeti rako remwedzi wega wega kana kugadzirira imwe mari yekukurumidzira yakasiyana.
Isa mazuva ekutengeserana uye nzwisisa maitiro ekubhadhara
Makadhi echikwereti ane mabhiriji enguva nenguva uye mazuva ekubhadhara. Nekunzwisisa zuva rekubhadhara, unogona kuronga kutengeserana kuti uzvipe nguva yakareba usati wabhadhara. Semuenzaniso, kana bhiri rako richidhindwa mwedzi wega wega musi wa25, kutengeserana kukuru musi wa26 kunogona kukupa mwedzi wese bhiri rako rinotevera risati rasvika.
Zvisinei, nzira iyi inobatsira chete kana uchida kubhadhara mari yacho yese. Kana zvisina kudaro, uri kungononotsa dambudziko racho.
Gonesa zviyeuchidzo uye tarisa kutengeserana nguva dzose
Ruzivo rwezvemari harusi rwechinangwa chete, asiwo nezvemasisitimu. Shandisa app yebhangi renharembozha kana app yekutarisira mari kuti:
- Gonesa zviziviso zvekutengeserana munguva chaiyo.
– Tarisa muganho wevhiki wasara.
- Ona kutengeserana kunofungirwa.
- Ita shuwa kuti haupfuure bhajeti.
Nekutarisa nguva dzose, unogona kugadzirisa maitiro ako ekushandisa mari usati wawedzera mabhiri ako.
Wedzera muganho chete kana zvichidikanwa uye wakagadzirira mari.
Vanhu vazhinji vanoona kuwedzera muganho se "kukwira," asi muganho wakakwira zvinorevawo kuti chikwereti chingangowedzera. Kumbirai chete kuwedzera muganho kana:
- Mari inogadzikika uye iri kuwedzera.
- Une nhoroondo yekubhadhara zvizere uye nenguva.
– Unoda muganho wakakura wekutengeserana kwakati (semuenzaniso kufamba kwebhizinesi kana kutenga zvinhu kubasa).
Kana chinangwa chekuwedzera muganho chiri chekungokwanisa kushandisa mari yakawanda, zviri nani kumbomira.
Wedzera mabhenefiti: mibairo, kudzoserwa mari, uye kukwidziridzwa nekurangwa
Muganho wekadhi rechikwereti unogona kuva chishandiso chinobatsira kana ukashandisa kadhi racho pakutengeserana kwakarongwa uye uchinakidzwa nemibairo yacho. Semuenzaniso:
- Chinja mari yaunobhadhara nguva dzose (magetsi, internet, kutenga pamwedzi) kuenda kukadhi rechikwereti kuti uwane mapoinzi.
- Shandisa kushambadza kweresitorendi kana kutenga chete kana chinhu chacho chichinyatsodiwa.
– Sarudza kadhi rinoenderana nemararamiro ako, kwete kungotevera vanhu vakawanda chete.
Yeuka, mubairo hauzovharidzi kurasikirwa nemubereko kana ukasabhadhara zvizere.
Mhedziso: Miganhu zvishandiso, kwete misungo.
Nzira yakangwara yekushandisa muganho wekadhi rako rechikwereti ndeyekuishandisa sechishandiso, kwete chikonzero chekuvandudza mararamiro ako. Chengetedza kushandisa kwako mukati mehuwandu hwakachengeteka, bhadhara zvizere mwedzi wega wega, dzivisa kubvisa mari, uye shandisa zvikwidziridzo nekuchenjera. Nekuzvibata, muganho wekadhi rako rechikwereti unogona kuva shamwari, zvichiita kuti kutengeserana kuve nyore uku uchipa mamwe mabhenefiti. Pasina kuzvibata, muganho wako unogona kuva mutoro unokanganisa kugadzikana kwako kwemari.
Kana muchida, ndinogona kukubatsirai kugadzira chinyorwa chino chakanyatsojeka: chevadzidzi, vashandi vatsva, mhuri dzechidiki, kana varidzi vemabhizinesi, chine mienzaniso yebhajeti uye mashandisirwo emiganhu.
