Ibhangi ripi raunosarudza kuchengetedza

Nhasi zvakakosha kuchengetedza mari yako mubhangi. Izvi hazvisi kungovimbisa chete kuchengetedzwa kwavo kwakachengeteka, asi zvichawedzerawo huwandu pamutengo wezvipo. Inoramba ichisarudzwa kusarudza bhengi rakavimbika uye inotora kune iyo yakaoma yakawanikwa.

Ngatitange tione kuti zvipo ndezvipi, uye sei kusarudza bhangi yemari. Nokuendesa mari yako kubhangi, tinovabvumira kuti avashandise, izvo zvaanotipa chikwereti kwatiri pakupedzisira. Mamiriro ezvinhu ekuisa mari anogona kuwanikwa pabazi rebazi ripi zvaro.

Ndeipi bhagheni ndiyo nzira yakachengeteka yekuchengeta mari? Kutanga, zvakakosha kudzidza kuongororwa kwebhangi nehuwandu hwemari yevatengi uye huwandu hwemari. Kana bhizinesi rakatora imwe yenzvimbo dzekutanga munzvimbo yakadaro, zvino vatengi varo vanovimba nechikoro ichi, vachitendeukira kwavari, unogona kuvimbiswa nekuvimbika kwekuchengeta mari yako.

Ndeipi bhenji yandinofanira kusarudza kuti iite mari: yehurumende kana yekutengeserana? Bhizimisi reBurumende rinonyanya kutendeseka, asi rinopa rubatsiro rwakaderera pamari, mabhizimisi ezvokutengeserana anopa vatengi vavo mari yepamusoro. Kusarudza sangano rezvokutengeserana, unofanirwa kuchenjerera nekuchenjerera zvikuru. Zvakanakisisa kupa zvido kune mabhengi akareba uye akasimbiswa. Kubvumirana, sangano rebhengi iro rakaonekwa mumusika wemashumiro munguva pfupi yapfuura rinotarisa kunyanya kushushikana uye rinopa chido chikuru pamari. Makaro anogona kutungamirira kune chokwadi chokuti iwe hausi chete hauna kuwana mari, asi unorasikirwa neicho chave chiripo.

Kufunga nezvebhangi ripi raunosarudza kuponesa, unofanira kufungisisa kunyange shaance yakadai senzvimbo yaro. Zvakanakisisa kusangana nesangano riri pedyo neimba yako. Paunosarudza bhangi, bvunza kana achizopinda muhomwe ye inshuwarisi system . Izvi zvakakosha zvikuru, nekuti kunyange kana paine kuwira kwakakwana kwebhangi, mari yehushuwarisi ichave yakamanikidzwa kudzorera mari yawakapa.

Kusarudza bhengi ripi raunosarudza kuchengetedza mari yako, unofanira kufungisisa nezvechipo chako pachako. Parizvino, vose vatengi vanobhadhara vanopatsanurwa kuva mapoka mana:

• Cumulative;
• Savings;
• Inofungidzirwa;
• Special.

Iko mari yekuchengetedza yakagadzirirwa kune avo vakasarudza kuunganidza mari yakakodzera yakafanira kune chimwe chiitiko (kuroorana, kutenga kunodhura, kufamba, etc.). Paunenge uchiita mupiro, bvunza mubhizimisi webhandi pamusoro pehuwandu hwemari yemamwe mari, kune chikwereti chakapihwa pamipiro iyi, nezvimwewo.

Mari yekuchengetedza ichachengetedza mari yekuchengetedza kubva kumitengo ichikwira uye kuwana mari inowedzera. Ihwo hukuru hwemupiro uyu ndeyekuti depositor inogamuchira kufarira pairi chete pamagumo emhedziso yake.

Kana chikamu chemupiro wakarongwa wakakura zvakakwana, iwe unogona kufunga nezvekuisa mari mumabhanki akawanda panguva imwe chete. Panguva imwecheteyo, munhu anofanira kusarudza rudzi rwemupiro unogona kubvumira, kana zvichidiwa, kubva kune imwe mari yemari kuenda kune imwe uye kwete kurasikirwa nehupfumi. Yeuka zvakare kuti nekuisa mari mubhangi mune mari dzakasiyana, unogona kuwana mari yakanaka nekuchinja shanduko yemari. Somuenzaniso, iwe unoisa mari mubhangi mu euro. Yuro yakakura, zvinoenderana, kubatsirwa kwemupiro wako kwawedzera. Kuti uwane mari nenzira iyi, munhu anofanira kunge akanyatsoziva nyaya dzehupfumi hwenyika, anokwanisa kufanotaura kuderera uye kuwedzera mukunhanho kwemari.

Pari zvino, unogona kuwana nzvimbo dzakawanda dzemashoko pamusoro pebhangi ripi raunosarudza kuti ripiwe mari yako, rudzii rwekuisa mari yako, kuti ndeipi yakawanda kupa mari yako kubhengi. Paunenge uchitsvaga nzira yakakodzera, inofanirawo kuyeukwa kuti vamwe vabhengi havakanganisi kuisa mari pazvinotengeswa nemakomisheni akasiyana-siyana anokweretwa kuti aite zvekutengeserana padipiti yako. Saka, kana uchitumira mari kubhangi, unofanira kunyatsoverenga magwaro ose kuti asayinwe uye kukumbira kutsanangurwa kwezvinhu zvisinganzwisisiki zvakatemerwa mazviri.