bhadhara chikwereti chemba kana kuisa reddit
Kunyangwe iwe uchangobva kukwidziridzwa uye uri kufunga nezve mashandisiro akanaka ekushandisa iyo imwe mari, kana kungoronga ramangwana, kusarudza kwauchaisa mari yako yawakawana zvakaomarara kunonetsa. Zvinonzwisisika kuti varidzi vemba vakawanda vanoda kuisa mberi kubhadhara chikwereti chavo chekubhadhara chikwereti, asi zvine musoro here kuisa mari yakawedzerwa mukuchengetedza kwavo kwekurega kutanga?
Kunyangwe iwe ukafunga kubhadhara chikwereti chako chemba kana kuisa mari mune ramangwana rako kutanga zvinoenderana nemamiriro ako emari. Kana mari yako yakawedzera zvakanyanya, sarudzo yaunosarudza inogona kunge yakasiyana pane kana wakagara nhaka yemari uye uchida kuiisa.
Kana uri kufunga kubhadhara chikwereti chako kare, funga kuti ingadhura zvakadini uye kana kuchengetedza mari pamubereko, kunze kwekusava nechikwereti, chinhu chinonyanya kukosha kwauri pane kuchengetedza mari yekuvaka hupfumi hwemangwana. Uyewo funga kuti uri papi panyaya yekubhadhara chikwereti. Kazhinji, zvine hungwaru kubhadhara chikwereti zvakanyanya sezvinobvira pakutanga kwechikwereti kuti usazobhadhara imwe mhindu gare gare. Kana uri kuswedera kumakore mashomanana ekupedzisira ekutora chikwereti chako, zvingave zvakakosha kuisa mari yako mumaakaundi ekurega basa kana mamwe mabhii.
Isa zvakawanda mumba kana kuisa mari
Kana iwe ukaona uine imwe mari yekuwedzera, iwe unofanirwa kusarudza zvekuita nayo. Kana uine chikwereti chemazana ezviuru zvemadhora, zvinogona kuedza kuisa pfungwa dzako pakuwedzera kubhadhara kuitira kuti ubvise chikwereti chinokonzera mhindu. Kune rumwe rutivi, zvingava kuchenjera kuidyara, inova imwe yenzira dzakanakisisa dzokuvaka pfuma yenguva refu. Kufanana nechero sarudzo yezvemari, iyi inzira yemunhu, kunyangwe pfungwa yemupi wemazano wezvemari inogona kuve yakakosha.
Kune vanhu vazhinji, chikwereti chechikwereti chakanyanya chikwereti chekadhi rechikwereti. Mimwe mitsetse yechikwereti inotenderera inogonawo kunge iine mibairo yakakwirira. Kana iwe uine chero zvikwereti zvenguva pfupi, senge payday zvikwereti, bhadhara iwo masaramusi nekukurumidza sezvinobvira.
Mari yemubereko pazvikwereti izvi inoita kuti kuverenga kuve nyore. Iwe unenge uchitozochengetedza zvakawanda mukufamba kwenguva kana iwe ukabhadhara izvi zvikwereti zvine mubereko mukuru usati waita imwe mari yekubhadhara imba. Funga kuti avhareji yemubereko pachikwereti inosvika 5%. Avhareji yekudzoka pamusika wemari inenge 7%. Zvichakadaro, avhareji yemubereko pakadhi rechikwereti iri pakati pe15% ne20%. Sezvo mubereko wekadhi rechikwereti uchikwira nekukurumidza kupfuura chikwereti chemari kana mari yemusika wemasheya, mari yako ichaenda mberi kana iwe ukazvitarisira pakutanga.
Calculator kubhadhara chikwereti kana kuisa mari
Kunyangwe iwe uchangobva kukwidziridzwa uye uri kufunga nezve mashandisiro akanaka ekushandisa iyo yakawedzerwa mari, kana kungoronga remangwana, kusarudza kwauchaisa mari yako yawakawana nesimba kunonetsa. Zvinonzwisisika kuti varidzi vemba vakawanda vanoda kuisa mberi kubhadhara chikwereti chavo chekubhadhara chikwereti, asi zvine musoro here kuisa mari yakawedzerwa mukuchengetedza kwavo kwekurega kutanga?
Kunyangwe iwe ukafunga kubhadhara chikwereti chako chemba kana kuisa mari mune ramangwana rako kutanga zvinoenderana nemamiriro ako emari. Kana mari yako yakawedzera zvakanyanya, sarudzo yaunosarudza inogona kunge yakasiyana pane kana wakagara nhaka yemari uye uchida kuiisa.
Kana uri kufunga kubhadhara chikwereti chako kare, funga kuti ingadhura zvakadini uye kana kuchengetedza mari pamubereko, kunze kwekusava nechikwereti, chinhu chinonyanya kukosha kwauri pane kuchengetedza mari yekuvaka hupfumi hwemangwana. Uyewo funga kuti uri papi panyaya yekubhadhara chikwereti. Kazhinji, zvine hungwaru kubhadhara chikwereti zvakanyanya sezvinobvira pakutanga kwechikwereti kuti usazobhadhara imwe mhindu gare gare. Kana uri kuswedera kumakore mashomanana ekupedzisira ekutora chikwereti chako, zvingave zvakakosha kuisa mari yako mumaakaundi ekurega basa kana mamwe mabhii.
Chengetedza 100 zviuru zvemadhora kana kubhadhara chikwereti
Kuedza kusarudza pakati pekubvisa chikwereti kana kuisa mari kune ramangwana isarudzo yakaoma. Kumhuri dzakawanda, sarudzo iyi inowanzouya nenzira yekubhadhara imba (chikwereti chikuru chavangave nacho) kana kuchengetedza pamudyandigere. Zvese zviri zviviri zvinangwa zvinorumbidzwa, asi ndezvipi zvinofanirwa kuuya pekutanga?
Ngatitii wasvika padanho rekupedzisira remba yawakatora makore apfuura. Yave iri mugwagwa wakareba, uye anoedzwa kuti abhadhare muchikamu chekupedzisira uye pakupedzisira asava nechikwereti, kana kuti akurumidze kubhadhara zvishoma kuti zviitwe nekukurumidza.
Kunyange zvazvo zvingaita sezvichida kubhadhara chikwereti pedyo nekuguma, zviri nani kuzviita kare. Kunyangwe iwe uchiita mubhadharo wakafanana mwedzi wega wega (uchifunga kuti une chirevo chemakore makumi matatu ekugadzirisa chikwereti), mari yako yakawanda mumakore ekutanga inoenda kune mubereko uye inoita zvishoma kuderedza mukuru wechikwereti.
Saka kana iwe ukawedzera kubhadhara mberi-uye kuderedza mukuru wepamusoro painobhadharwa-iwe unogona kubhadhara zvishoma mubereko pamusoro pehupenyu hwechikwereti. Misimboti yakafanana yekubatanidza iyo inoshanda kune yako yekuisa mari inoshandawo kune yako chikwereti, saka nekubhadhara zvimwe zvemukuru kumberi, iyo savings compound nekufamba kwenguva.
