Uye ndingakwereta ndikwereta here?
Nyanzvi dzepfungwa dzinoti haufaniri kukwereta nekukweretesa. Kune munhu, chikwereti chakanyanya kushungurudzika, zvose kumunhu iyeye uye kune akakwereta. Kunyange kana, mari yacho isingakoshi, inobvunzwa. Uye iwe haungasuruvara kurasikirwa nemari, ivo, chii chaunoda? Chikonzero chekukumbira mari chinenge chichikurumidzira, uye iwe unoda kubatsira. Iwe unofunga kuti iwe haugoni kudzorera chikwereti, nokuti unonyatsoda mari. Hongu, saka iwe unotya kuti ukama huchaderera nekuda kwechikwereti ichi. Pashure pezvose, zvinowanzoitika kuti haudi kubata nemunhu wausina kupa chikwereti.
Kumbira mari yakawanda, kana uchikweretesa, unofanira kuvhara mari yacho mberi kwepurogiramu, uchirasikirwa nechido nezvimwe zvakadaro. Uye munhu wacho anoramba munzira dzose iyo rekuti, anoti anoda kuita pasina mapepa. Asi iwe uchafanira kusarudza. Vanhu vanoti iwe unoda kukwereta, chete mari yaunogona kugovera. Unobvumirana kugovana nemari yako nekuda kweshamwari here? Kana iwe uchinzwa kuti hauna kugadzirira kukwereta, uye haugoni kuramba pakarepo, ndiudze iwe zvaunofunga. Iwe uchawana chikonzero chekuramba, kuitira kuti munhu wepedyo arege kugumburwa newe.
Nditaurire chokwadi kuti iwe uchange uine hukama. Kuti uwane chikwereti chako, iwe unoda kuwana chivimbo. Chikwereti pasina risiti, chakafanana nechipo, hachigoni kudzorerwa. Pashure pezvose, pasina risiti kumatare iwe haungaendi, zvakaoma kuyeuka nzvimbo, zuva uye nguva. Mhando yesungano yechikwereti inogona kushandiswa paIndaneti, iyo yakadhindwa ikazadzwa. Kana mari iyo yakabvunzwa mune chikwereti yakakura, unogona kukumbira chikwereti chechikwereti ichi. Zvinhu izvi zvinogona kutengesa, uye izvo zvisingarasikirwi nemiti yavo, zvishongo zvinowanikwa munzvimbo yose mune izvi.
Receipt.
Chinhu chinowanzosarudzika iseri, iri nyore uye inokurumidza. Iri risiti rakanyorwa mujairo rinowanzoitwa, uye harina kusimbiswa muhofisi yevasiyiti, uye kana chikwereti chisati chabhadharwa, mutero uchava chikonzero chekushandira kudare. Kana iyo mari yakakosha, unofanira kutora risiti pakweretesa. Iri radhi rakanyorwa nemunhu waunokweretesa mari. Mutsamba iwe unofanirwa kutsanangura data yakadai seyo: Zita renhamba yepasipoti yedunhu wakakwereta, kero, uye zita rose, kero yemunhu anokweretesa uye data yake yepasipoti. Nhamba yacho inofanira kunyorwa muhuwandu uye mumashoko, kuitira kuti pave kusabvumirana pamusoro pemari. Mukati rekugamuchira iwe unofanira kutsanangura zuva rekudzoka, uye nguva yauri kukwereta. Kurondedzera pasina chido kana nekunaka kufanirwa kubhadhara chikwereti.
Mutsamba iyo inowanzokanganwa kuratidza chinhu chakadaro icho chinofanira kuita kana uyo ane chikwereti asingadzose chikwereti panguva yakakodzera, kana kuti achadzoka chikamu chechikwereti chete. Zvadaro nyora zuva uye nzvimbo yekunyora risiti uye isainyore.
Kana uyo ane chikwereti asingadzose chikwereti, unofanirwa kumuyeuchidza nezvekubhadharwa kwemari. Zvichida akanganwa? Kana iri risiti risina kuurayiwa zvakanaka, ipapo munhu anofanira kuvimba chete nehana yeiyeye. Asi kana paine risiti, uye hapana munhu ari kukurumidza kudzorera chikwereti, zvino zvinokwanisika kushanda kudare. Uye iwe unogona kutaurirana nemapurisa uye unopomera munhu uyu chekubiridzira, munyaya iyi kuenderera mberi kuchakurumidza. Apo iwe unoda mari nokukurumidzira, sarudzo yekutanga ndeyekutora mari kubva kune shamwari dziri mune chikwereti. Inosvika sei kune rumwe rutivi rwechikwereti?
Zvadaro chete, kana iwe uine chokwadi chokuti iwe unogona kupa, unogona kukwereta. Pamusoro peizvi mabanki akachengetedzwa zvakanaka, haazoiti chikwereti kusvikira agutsikana neavo vokwereta solvency. Zvakaipa kutora mari kuvhara chikwereti chekare nenzira iyi. Iwe unogona kunzwa wakasununguka kana uri mune chikwereti here? Zvinogona kunge zviri nani kudzidza mararamiro ekugadzirisa bhajeti yako. Kunyange zvazvo izvi zvisinganzwi zvakanaka, zvinogona kugadzirisa zvinetso zvematarenda, zvikwereti, uye kushaya mari.
Pakupedzisira, iwe unogona kupindura mubvunzo uyu kana zvichibvira kukwereta mari nekukweretesa mari mune chikwereti. Sei uchifanira kutora mumwe munhu kubva pachikwereti, iwe unofanirwa kurarama mune zvaunogona, kugadzirisa mune zvemari uye kwete kupa, uye kwete kukwereta kune munhu wose ane chikwereti. Kana iwe usingadi kurasikirwa neshamwari, dzidza kutaura nokungwarira kuti kwete, kuitira kuti zvirege kuvakanganisa.