Dambudziko racho rakarova vanhu vakawanda: mumwe munhu akacheka mubayiro wavo, uye vamwe vanhu vakarasikirwa nemabasa avo. Izvo zvakanyanya kupfuura zvose ndezvavakwereta mabhengi: kuwedzera pane zvido zvekuda, zvinofanira kunge zvakakodzera kubhadhara chikamu uye chido. Kana iwe uchikwanisa kutarisana nemari yevatengi (kuripa mari kubva kune hama uye kubhadhara panguva yechikwereti), ipapo chikwereti chakaoma zvikuru: chikwereti chikwereti chikuru, uye zvinotora gore rinopfuura rimwe kubhadhara pairi. Nzira yekugadzira sei bhadharo yemhuri yakarongedzerwa uye zvikwereti zvinodzima nguva dzose, zvisiri kutendeukira kuNeverage Knight?
Zvose zvinotorwa
Kutanga, zvakakosha kuunganidza urongwa hwemari yakarongeka yemhuri uye zvikwereti, uye kufunga nezvekugadzirirwa kwemwedzi pamwedzi - kubhadhara chikwereti, kukwereta, zvokudya, kutakura, nezvimwewo.
Dzvora mari kana kuti kurega izvo zvisiri pamutsara.
Hapana chekubhadhara?
Chii icho avo vakarasikirwa mabasa avo uye vasingagoni kubhadhara zvikwereti, somuenzaniso, kubhadhara chikwereti? Kana mamiriro akadaro akamuka, usavanza kubva kune zvinetso zvemari. Nokukurumidza kana zvichibvira enda kubhangi, tendeukira kumusoro webazi kuti ushande nevamwe. Tiudzei nezvemamiriro ako ezvinhu uye tibvumirana pamusoro pekuregererwa uye kubhadhara chikwereti. Kana iwe une chikwereti chine chikwereti, bhagheni inogona kugadzirisa: somuenzaniso, inowedzera nguva yekubhadhara chikwereti, nokudaro kuderedza kushandiswa kwemwedzi; ichapa "zvikwereti zvekwereti" - kukanganisa kwakazara kana kusarudzwa kwekubhadhara pa "muviri" wechikwereti. Tinotenda nekuda kwechisarudzo ichi, zvinobvira kuderedza kushanda kwemwedzi pamakwereti ne40-50%, zvichiita kuti zvidimbu zvemhuri zvakarongwa uye kubhadhara zvikwereti. Asi zvakakosha kuyeuka kuti chero kuregererwa kunoderedza zvisungo zviripo iyezvino, asi panguva imwechete inovawedzera munguva yemberi. Kuonga kubhangi, iwe uchakwanisa kufunga nezvemari yakarongwa yemhuri uye yezvikwereti zvezvikwereti.
Kana bhizinesi risina kubatsirwa , uye mari yaunotora chikwereti yako yakakanganiswa kukosha kwayo (pane zvipo zvakanakisisa zvekukweretesa), saka zvinonzwisisika kufunga pamusoro pekugadzirisa, kureva, nezvekuchinja purogiramu yako yechikwereti kune yakanakisisa. Zvisinei, iwe unofanirwa kufungisisa zvose ma nuances.
Anofadza chaizvo
Wati wambonzwa here kutaura kwekuti "benzi chikwereti"? Saka zvinonzi zvikwereti zvevatengi, zvakatorwa, somuenzaniso, zvekutenga zvemidziyo yemumba, mari inodhura mahembe kana yemotokari yemotokari.
Maererano nenyanzvi, kazhinji dzinotorwa nevanhu vanoda kutengesa, uye avo vasingazivi kuti vanoongorora sei mari yavo.
Kuti udzivise matambudziko nebhangi mune ramangwana, tinokurudzira kuti iwe uteerere mazano anotevera.
Usati watora chikwereti, chengeta kuti unoda zvakadini. Funga kuti iwe unogona kubhadhara chikwereti nenguva yakakodzera. Muchiitiko ichi, zvinodikanwa kuverenga mari chaiyo yaunenge uchizobhadhara kubhangi pasina kusarura bhajeti yemhuri.
Nyatsoongorora zvese zviri pamusoro pehutano hwemhuri hunenge huripo uye zvikwereti, chikwereti uye mamiriro ekushanda kwayo.
Usafambisa zvakashata chiziviso, icho chinogara chichisimbisa kuti kubhadhara chikwereti nekukurumidza. Usambokwanisa kuenda kusina chibvumirano.
Kanomwe kanomwe
Chii chausingafaniri kuita kana iwe "usingaiti" uchienda kubhangi mune imwe chikwereti? Usatora chikwereti kunze kwekukurumidza kunoda kwacho. Kana mwero wemwedzi wekubhadhara chikwereti ichiita sewakakura, zviri nani kuti urege kutora zvachose. Somuenzaniso, kana mwedzi wega wega wekubhadhara chikwereti kudarika 30-40% yemari yako; kana mushure mekubhadhara chikwereti hakuna mari yakakwana yekuwana zvido zvekuda (kubhadhara, zvokudya).
Usatora zvikwereti zvakajeka. Kana zvasvika kune zvinhu zvinodhura, ita chikwereti hachisi muchitoro, asi mubhangi.
Tora chikwereti kwenguva shoma yaunogona iwe, ipapo ichava yakaderera. Kuti uite chikwereti pane chikwereti icho chiduku sezvinobvira, kuripa zvakakwana sezvinogona kubhadhara chikwereti. Dzorera chikwereti kubhangi panguva yakakodzera. Kana zvisina kudaro, iwe uchasunungurwa kune chirango chekukurumidza muhuwandu hwechipiri chechikwereti chechikwereti pane chikwereti.