Iwe unowana mari yakawanda, asi iwe hauna mari? Iwe unonzi "spender", uye iwe unonzwa kuti izvi ndizvo? Zvose zvinogadziriswa! Tichakuudza kuti ungadzidze sei kuchengetedza mari yemukadzi wemazuva ano. Hungu, mumusoro, idzi nzira dzakakodzera varume ...
Mune varume, maererano nekutsvakurudza kweDhipatimendi reMari yeHurumende yeHurumende University-Higher School yeEconomics, kuchengetedza kwakaenzana nepamusoro yechitatu yepamusoro kupfuura vakadzi. Izvi hazvirevi chete mhedzisiro yemusiyano mubhadharo uye kukwanisa kwedu kushandisa mari inowanikwa mumwedzi mumwe musi. Nyanzvi dzezvepfungwa dzinotaura kuti kuunganidza kunowanzoonekwa kune varume, nokuti vanodzidziswa kubva paucheche kuti vachazofanira kutsigira mhuri mune ramangwana. Apo vasikana vanowanzotaura pamusoro pezvinobatsira zvewanano nekuverenga. Asi zviri nani kuroora nekuda kwerudo, asi kuita mari mune dzimwe nzira.
IVA ZVINANGWA.
Kuponesa mari zviri nani pane chimwe chinhu chinyorwa, chaizvoizvo kutamira kune chinangwa (zvisinei kuti uri kure zvakadini) chiri nyore pane kusina. Kana iwe uchienda kunotenga, somuenzaniso, motokari, fungidzira iwe uchifambisa kwete chimiro, asi motokari chaiyo. Somuenzaniso, chiedza chakajeka cheminicar cheItaly chinogadzirwa. Ichi chakajeka chinangwa, iwe nokukurumidza iwe uchauwana.
Hongu, nenzira yekuita nguva. Sezvo uchitaridzika, iwe pachako unofungidzira zuva raunokwanisa kutenga izvo zvaunoda. Iwe unogona kutora purogiramu uye unyore pairi matanho anotorwa munharaunda iyi. Isa iyo munzvimbo yakakurumbira muimba - uye unyeke kufambira mberi. Nditende, iwe uine kurota kwekodhi, iwe uchagara uchiwana nzira dzekuwana nayo. Kana iwe uchikwanisa kuzvitenga, hongu.
BHUKU KUDZIDZA KUDZIDZA.
Iwe unogona kuzviita zvakanaka muchitoro - mufoni yako, uye ugoendesa manotsi aya kubhuku rino kana iwe uchidzokera kumba. Pakupera kwemwedzi iwe unonzwisisa kuti mari yako yakaenda kupi. Izvi zvinokubvumira kusarudza zvaunokwanisa kuchengetedza, uye pane zvaunogona kuramba uchiramba. Ingozviita nguva dzose, usati warasikirwa nerimwe zuva rimwe chete. Kana zvisina kudaro, nhamba yekupedzisira ichange isina kururama.
ITA ZVINOKUDZIDZWA.
Chengetedza mari yacho inofanira kunge iri mubhangi pane imwe mari yepaiti, ichivimbisa kukura kwavo ne12-15% pagore. Mukuchengetedza kwemari hakugoni kuunganidza - kutengesa kwezvokudya kuchagara kuchidya chikamu chemari, kuderedza simba razvo rekutenga. Zviduku zvishoma (zvinoda kusvika 10 000 rubles.) Inogona kuiswa mu Mutual Funds (unit investment funds) neOBU (mari yepamusoro yehutungamiri hwebhengi). Zvingaitwa nehutano hwakasimba, mutungamiri wezvemari achakurumidza. Nenzira, hazvibatsiri kunetseka. Nditendei, zvikwereti zvakagamuchirwa semugumisiro wekutengesa zvinobudirira zvichavhara mari yako kune imwe nyanzvi kanopfuura kamwechete. Chero zvazviri, iwe unofanira kunyatsoziva nguva uye mari yakawanda yaunokwereta. Usaitawo mari yako yose kune imwe chete, kunyange iyo nhoroondo yakabhadhara pane imwe chete, kunyange bhengi rakavimbika. Izvi zvichakuudza chero ani zvake anonzwisisa mari yehupfumi nemari. Mamiriro emari munyika yanhasi haasi yakasimba - usaisa mazai ose mune rimwe tswanda.
RARIRA NOKUDA.
Sezvo uchinge waunganidza mari yakawanda pamusoro pekambani, usatora mari yose pakarepo. Tora pahutongi hwechikwata chechidimbu. Rimwe rubles, rakapiwa 10% pagore, richashanduka ruble 110 gore gare gare, uye shure kwemakore maviri - 110 + 10 + 10 + 1 = 121 (l = 10% ye10 rubles). Iyi ruble ndiwo mugumisiro webasa rekudyidzana kwechikwata. Zvinoratidzika kunge hazvisi zvakawanda. Asi kana iwe ukashanda pamari yakawanda, zvino paunenge uri iye zvino makumi maviri nemashanu uye kamwe pamwedzi iwe uchaisa 1000 rubles mubhangi pa9% pagore, nenguva yaunowana makumi matanhatu, iwe uchachengetedza mabhiriyoni matatu eruble! Uye chete kubva kune avo vachabvuma pa "1000" mwedzi mumwe nomumwe.