Kuita chikwereti

Banking statistics inoratidza kuti inenge 30% yevanhu vane hutano huwandu kamwe chete yakabudiswa zvikwereti zvemari. Ichi chiratidzo chinotyisa kuti vazhinji vakakwereta vakanga vasingazivi nguva, zvakadini uye nei vachizobhadhara bhangi. Izvi ndezvechokwadi kunyanya kune zvikwereti zvakatorwa pasi pesimba remanzwiro.

Kazhinji zvakaitika seizvi: munhu akaenda kuchitoro, akaona izvo zvave achitsvaka kutenga kwenguva refu, uye ipapo mutengesi akaudza zvakasimba pamusoro pekugona kubhadhara chikwereti chaipo pakarepo. Mumwe mutengi anofara akakurumidza kuenda kumuchengeti kuronga chikwereti pamashoko asinganyatsozivikanwi kwaari. Uye nepo murarairi wake unofara haufaniri kupera pakarepo, uye mushure mechinguva, kana yava nguva yekubhadhara mari.

Saka, kuitira kuti izvi zvirege kuitika, zvakakosha kufunga nezvekugadzirisa kwechikwereti. Pano zvakakosha kuyeuka mutemo umwe: munyaya dzezvemari zvisingatauri, zvose zvisarudzo uye matanho zvinofanira kuongororwa uye kuyerwa.

Iwe unogona kufunga nezvemamiriro ezvinhu pamuenzaniso wemari yekodhi. Ngatiti iwe unonyatsoziva chibereko chipi chaunotenga. Zvakakosha kusarudza dare muguta iro, pamutengo wakakwana wechigadzirwa ichi, kune mabhengi akawanda emakwereti sezvaanogona, mune imwe nguva ingave ine nhamba huru yemakero ayo iwe uchakwanisa kubhadhara chikwereti ichi. Nzira yakanakisisa pano inobatanidzwa nehombe huru yekutengesa.

Zvadaro, unofanirwa kusarudza pabhangi uye purogiramu yezvikwereti. Kuita chikwereti kuchava nyore kana iwe uchinzwisisa zvishomanana nezvekuverenga mari, saka iwe unogona kuzvimiririra kudzidza mabhurocha anopiwa nebhangi. Kana iyi isiri iyo, ipapo paunoshumira iwe pane nguva dzose mazano. Unofanirwa kukumbira purogiramu yekubhadhara, yaunofanira kunyatsodzidza, usina kurasikirwa nemari yekubhadhara uye marudzi ose emakomisheni. Kana iwe uchida chaizvo kubhadhara chikwereti, iwe unofanirwa kubhadhara zvikamu zvinogona kuitwa nechitoro pamwechete nebhangi, vanogona kupa zvikwereti zvisina chikwereti kune mamwe mapoka ezvitoro.

Panzvimbo inotevera unofanirwa kusarudza nezvemazwi, zvinyorwa zvekubhadhara, uye mamwe mamiriro. Pano zvakawanda zvinobva pauri. Iwe chete unoziva hukuru hwemari inogona kushandiswa kubva kumari yemhuri pasina hurombo huzhinji. Zvakakosha kunzwisisa kuti izvi zvichaitika mwedzi mumwe nomumwe kwenguva yakareba.

Kuita vatengi chikwereti danho rinotevera. Kazhinji pepipoti chete inodiwa nokuda kweizvi, asi zvichava zvakanaka kana iwe uine mamwe magwaro newe unogona kutsigira unhu hwako. Zvakakosha kucherechedza kuti pamushandirapamwe mune chikwereti chemarikiti mumwe munhu anofanira kutarisa zvakanaka, ave akapfeka zvakanaka. Vashandi vanogona kucheneswa kana iwe uchiedza kuviga chiso chako, shandura inzwi rako, kana kutakura doro kubva kwauri. Kuita chikwereti mubhangi kunogona kuva mubvunzo kana maziso ako anooneka achitengesa chakaipa chekare. Zvakakosha kuzvibata nechivimbo, zvakajeka uye zvakajeka kupindura mibvunzo.

Pawakatotanga kubhadhara chikwereti, zvakakosha kuterera kune zvakawanda zvakawanda. Pane mazita anokosha anokosha. Zvakakosha kutarisa mamiriro ezvinhu muchibvumirano chekuteerera. Zvinowanzoitika apo paunenge uchisarudza nepurogiramu yebhangi, mamiriro ekubhadhara anogona kuchinjwa. Zvinonzwisisika, nyanzvi yechikwereti inofanirwa kutarisirwa nekuzvimirira kune mutengi, asi zvakakosha kuongorora kaviri. Chibvumirano chinofanira kugadziriswa uye nokuda kwehumwe humwe hurumende.

Saka, zvino iwe unoziva kuti chikwereti chacho chinoshandiswa sei. Zvakakosha chete kuti usakanganwa kuti mumwedzi nguva yekubhadhara kokutanga ichauya.