Izwi chairo rekuti Chikwereti rinomutsa kutya kwakasanganiswa manzwiro kune vazhinji vedu. Kuenderera mberi kwechikwereti kunogona kukupinza mudambudziko chairo. Inogona kubvisa kubva kwauri rugare rwepfungwa uye kugara zvakanaka.
Zvinosuruvarisa, vazhinji vedu hatigoni kubatira pamwe nemisungo yezvikwereti uye vamwe vanototora nhanho dzakakomba apo vasingakwanisi kutsungirira kuva mudenderedzwa rinopfuurira rechikwereti.
Asi ngatinzwisise izvi. Chikwereti pachacho hachisi chakaipa sezvatinoita kubva pachiri. Vanhu vanotora chikwereti kuti varoore vana vavo. Tinowanzotora chikwereti cheimba nezvikwereti zvezvidzidzo zvepamusoro.
Chikwereti chinogona kuchengetedza hupenyu kana chichishandiswa zvinangwa zvakaita sekubhadhara mabhiri ekuvhiya uye mabhiri echiremba.
Saka hachisi chikwereti icho pachacho chiri musungo, iko kusakwanisa kubhadhara chikwereti nenguva izvo zvakaipa.
Sei Chikwereti Chichinetsa Kubhadhara Kune Vanhu Vazhinji?
Zvino mubvunzo ndewokuti, chii chinoita kuti zviome kubhadhara chikwereti? Nei vanhu vakawanda kwazvo vachigara vari muchikwereti kwemakore nemakore pamwe chete?
Chokwadika, kana tichitaura pamusoro pokubhadhara chikwereti, uwandu hwechikwereti chakaitwa nemari yedu inhau dzakakomba dzokurangarira. Rega nditsanangure kuburikidza nemuenzaniso.
Ngatitii wanga uine emergency yekurapa, uye waifanira kutora chikwereti cheRs 5 lacs. Vamwe wakatora sechikwereti kuhama, vamwe kubhanga, uye vamwe nekuisa pfuma kana asset segoridhe.
Zvino, mari yako pamwedzi iRs. 60,000, uye iwe unofunga kuderedza pane imwe mari mwedzi wega wega kubhadhara chikwereti. Mikana iwe unenge usina chikwereti mumakore mashoma kana iwe uchienderana nekubhadhara chikwereti.
Asi ngatitarisei huwandu hwechikwereti chakafanana nemari inowanikwa maRs. 20,000 pamwedzi. Kubhadhara chikwereti nemari yakaderera pamwedzi kunowedzera kuoma.
Zvino, ini ndichakuudza nzira yekubhadhara zvikwereti zvako kana uine mari shoma.
Uye sei uchifanira kuteerera nzira dzangu dzokubhadhara chikwereti?
Idzi nzira dzese dzakaedzwa uye dzakaedzwa dzandaishandisa kubhadhara zvikwereti zvangu zvinosvika pamusoro pe2 lacs, uye izvo zvakare mune imwe nyaya yegore, uye nemari yakaderera yakagadzikana.
Akashamisika?
Mukupokana?
Zvakanaka, verenga kuti udzidze kubhadhara chikwereti nekukurumidza nemari yakaderera, uye pasina kukanganisa hutano hwako hwepfungwa mukuita kudaro.
Ongorora mamiriro echikwereti
Danho rekutanga nderekutora imwe nguva, gara pasi nepeni nebepa uye karukureta uye woongorora kuti zvakadzika zvakadii ** zvauri mauri nekutora chikwereti ichocho.
Verenga mareti emubereko uye mari yakatemwa yaunoda kubhadhara mwedzi wega wega kana kota.
Uye wobva wawana mhinduro kumibvunzo inotevera nekutarisa mapepa ako echikwereti (yezvikwereti zvakatorwa kubva kumasangano emari):
- Kana ndine mukana wekubhadhara chikwereti nekukurumidza bhangi / sangano rezvemari richazvigamuchira here kana kuti vane hurongwa hwakavanzika hwekuramba vachitora mubereko?
- Chiyero changu chemubereko chichachinja here kana ndikabhadhara mari yakawanda mwedzi wega wega?
- Ndingaite sei kuderedza nguva yekubhadhara chikwereti pasina kuwedzera mari?
Ngatinzwisisei kuti chinangwa chedu mukubvunza mibvunzo iyi chimwe chete - tinoda kubhadhara chikwereti nekukasira.
Masangano emari anowanzo ane hurongwa hwakavanzika umo vanochaja mareti emubereko akakwira pane chikamu chekubhadhara kana imwe-nguva yekubhadhara hombe. Tarisa kune zvakavanzwa mhosva, zvakare.
Tora mumiriri kubva kusangano rezvemari kuti abvise mibvunzo yako maererano nekubhadhara chikwereti.
Zvese zviri munyika nhasi zviri kufamba zvinosanganisira mari yedu uye kugona kuwana. Zviri nani kupa kubhadhara kwechikwereti nekukurumidza sezvinobvira munguva dzakadaro dzekuchinja.
Kucheka Mutengo kubva Pazvinodiwa Pamwedzi Nemwedzi
Zvino, iyi yakaoma. Zvido zvedu zvepamwedzi ndezvokuti kuderedzwa kwemitengo kunogona kukanganisa zvakananga mararamiro ehupenyu. Asi hazvibviri kuzviita chengetedza mari kubva mumari ine chekuita nezvatinoda zvinokosha.
Iwe unogona kuve nehanya zvishoma nezve mashandisiro ako emagetsi uye gasi. Zvishoma zvinoenda kure. Unogonawo kungwarira kutambisa zvokudya zvishoma. Patinopambadza zvishoma, tinoda zvishoma.
Uyewo, edza kuona kana uchikwanisa neimwe nzira kuderedza mari yokufambisa. Panzvimbo pekunonoka kumuka uye kutora kombi kuenda kubasa, unogona kumuka zvishoma uye kutora zvifambiso zvevoruzhinji.
Shoko renyevero: Usapfuurire uye edza kudzvanya mari kubva mumari yese inokosha. Savings kubva mari yemwedzi zvinogona kutibatsira kubhadhara chikwereti nekukurumidza asi haingave iyo nzira chete yekuchengetedza iyo inobatsira kubhadhara chikwereti.
Deredza Madhiri Asina Kufanira
Dzimwe nguva, tisingazivi, tinoramba tichibhadhara kana kutenga zvinhu zvakawanda zvatisingadi kana kushandisa.
Semuenzaniso, unogona kunge uine tambo yekubatanidza kumba, asi hauwane nguva yekuona TV. Paunenge uchida kuziva nezve chidimbu chenhau, YouTube ndiyo yako yekuenda kunzvimbo. Mumamiriro ezvinhu akadaro, unogona kutaura zvakanaka kune mwedzi nemwedzi tambo mari.
Tarisa, ndeipi mari yako isingakoshi? Ndiyo kunyorera kuNetflix here? Kana nzendo dzisina basa kuenda ku salon? Zvichida, kupindwa muropa nefodya uko kuri kukudyira zviuru (tisingarevi zvazvinoita pautano hwako)?
Iri patiffin here kuti unotenga kubva kunze pane kuenda nekudya kumba kuhofisi?
Ziva mari yako isingakodzeri, uye udzike pane iwo. Iwe unogona ipapo kushandisa mari yakachengetwa pakubhadhara chikwereti. Paavhareji, unogona kuchengetedza zvakatenderedza Rs. 800–2000+ nekungocheka mari isingaite.
20% yemari yako yekubhadhara Chikwereti
Mutemo unozivikanwa we50-30-20 unotsanangura kuti unofanira kuchengeta 20% yemari yako yemutero mushure mekubhadhara chikwereti. Uyu ndiwo mutemo wakanakisa wekutarisa uchitora chikwereti kubva kumasangano emari ane chikwereti chemwedzi nemwedzi + mubereko wekubhadhara kutenderera.
Kana mari yako yepamwedzi iri Rs. 20,000 mushure mekubviswa kweMutero nePF, unofanirwa kubhadhara makumi maviri muzana eRs. 20 kureva Rs. 20,000 nekukurumidza kubhadhara chikwereti mwedzi wega wega.
PostPone Zvaunoda
Kana tine chikwereti, chinangwa chedu chikuru chinofanira kuva pakubhadhara chikwereti.
Kumiswa kwezvido kunogona kubatsira mukubhadhara nekukurumidza.
Iti firiji yako yasakara, uye uri kuronga kutenga imwe. Imbomira izvozvo kuitira nguva dzisina chikwereti.
Kana uine chikwereti, ita "recycle-reuse-reduce" sirogani yako mantra. Zvizhinji zvinhu zvaunofunga kuti zvakakosha zvinogona kumisikidzwa kune imwe nguva yausina chikwereti chemari kune chero munhu.
Deredza Mhemberero
Wave nemakore uchipemberera zuva rako rekuzvarwa, ekuzvarwa kwemumwe wako uye evana, dzimwe nguva kunyangwe nekupfuura zvaunogona. Makakoka vanhu mukavadyisa nomufaro mukuru.
Asi zvinhu zvachinja, uye zvino wava nechikwereti. Chirega kuronga mhemberero izvozvi. Unogona kuzviita gare gare kana usina chikwereti.
Tinowanzova nemanzwiro pamusoro pekusakwanisa kugovera mufaro wedu nevamwe. Kana riri zuva rekuzvarwa kwemwana wako, unoda kuti vamwe vana gumi nemhuri dzavo vauye kuzonakidzwa.
Asi funga izvi - mhemberero yega yega ndeyekuwedzera kudzvanywa pamitengo. Kana iwe ukakwanisa kuchengetedza mari nekupemberera uchizvininipisa, unogona kubhadhara chikwereti chako nekukurumidza, uye wotanga kuronga mhemberero huru inotevera kana inotevera gore rinouya!
Saka deredza mhemberero dzinodzokororwa kana kudzipedza nenzira dzakareruka. Isa pamberi kubhadhara chikwereti pane kushamisira uye kuratidza.
Kumisa Zvirongwa Zvezororo
Ini pachangu, ndinonzwa kuti zororo rakafanana nepefiyumu yeumbozha. Ukatenga perfume inodhura, unoiisa pauri, unonzwa kunhuwa, uye unonzwa zvakanaka. Asi inobuda mushure memaawa mashoma.
Mazororo akadaro. Zororo rakanaka kuvandudza. Zvisinei ndiudze, unogona here kunyatsomutsidzira nemutoro wemari pauri?
Zororo rinova kutiza ipapo, uye kutiza hakuna kumbova mhinduro kune chero dambudziko, matambudziko emari akabatanidzwa.
Saka chimbomira kuenda kuGoa, Manali, kana kumhenderekedzo yegungwa iri kure nemakiromita zana. Pane kudaro, shandisa mari yako yezororo kubhadhara chikwereti, uye uwane runyararo rwepfungwa rwakawedzerwa kupfuura kuona mafungu egungwa angadai akakupa iwe.
Wana Side Hustle
Iyi ndiyo imwe yedzakanyanya kupusa uye yakasimba nzira dzekukunda chikwereti nekukurumidza, uye pasina kukanganisa mararamiro ako azvino.
Sezvakangoita iwe unogona kupfuma nekuwana uye kwete nekuchengetedza chete, unogona kuwana chikwereti-mahara nekukurumidza nekuzvipinza mugigi repadivi iro.
- inokubhadhara iwe
- anowedzera ruzivo rwako
- inoita kuti urambe wakabatikana uye usinganetseki
- inogutsa chido chako chebasa rekugadzira
Kunyangwe iwe ukazozvipa iwe pachako basa renguva-yenguva, unogona nyore kuita zviuru zvishoma zvemarupees pamwedzi nekushanda pakupera kwevhiki uye munguva yako yekusara mushure mebasa.
A side gig kana basa renguva-pfupi rinogona kubatsira zvakanyanya mukubhadhara chikwereti. Iyi yanga iri nzira huru yandaigona kubhadhara chikwereti changu nekukurumidza pasina kukanganisa mararamiro angu akawandisa.
Uye kana ndichikwanisa, iwe unogonawo. Tarisa uone aya anotonhorera epadivi gigs aunogona kutora. Isu takagadzirisa mabasa manomwe anonyanya kuitwa aunogona kutora mushure mebasa. Ipe iverenge kuti uzive kuti ndeupi hunyanzvi hwakakunakira iwe, uye kwaunogona kuidzidza uye wotanga kuwana.
Usanetseke – Chikwereti chakowo chichapfuura!
Sezvineiwo, ichi chaifanira kunge chiri chekutanga chidimbu chezano rakasimba kubva kwandiri, asi ini ndaida kutanga pane imwe pragmatic noti.
Pane chirevo cheItaly chakakurumbira chandinoda chose; inoti, “ "Mazana engoro mitoro yepfungwa haizobhadhara kana chikamu chimwe chechikwereti."
Kazhinji tinotora kunetseka seudangwe. Tinowana zvinhu zvekunetseka nazvo kana pasina. Uye kana tine chikwereti chokufunganya nacho, tinokuwana kuri nyore kuva funganyo dzisingaperi.
Asi chatinofanira kuva murwi wekurwisa kunetseka, kunyanya nezvechikwereti. Kana tikaisa pfungwa dzedu pakunetseka uye kufunga nezvokuti mari yose ichabva kupi, tichapotsa mikana iyo upenyu hunotipa semhinduro kuzvinetso zvedu.
Gara wakadzikama, uye tsvaga imwe mari yekuwedzera uchichengetedza imwe kubva pamuhoro wako. Kusawirirana mukubhadhara mwedzi wega wega ndiyo kiyi yekubudirira kubhadhara chikwereti. Nzira yakanakisisa ichiri kudzivisa chikwereti.
kutanga bhizimisi, tanga kuchengetedza kubva paudiki, uye ugare wakachengeteka kubva pakupenga kwevatengi; hauzombofaniri kuva nechikwereti zvakare!
Wakawana sei chikwereti chako? Tizivise.
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