Kana iwe uchingotora chikamu chiduku mwedzi mumwe nomumwe, makumi emakore achapfuura usati watenga imba. Asi kana iwe ukaisa mari iyi, ichakurumidza. Kuzvitenga imba yako - kune vazhinji vedu isu iri inenge yakanyanya kukurumidza nyaya. Asi matengo edzimba mumusoro, uye mune mamwe maguta, akazosvika kudenga kumusoro uye, sezviri pachena, haafariri kuenda navo. Vanhu vazhinji vanobvunza kuti "sei kuunganidza munguva yedu muimba" kunyange nehomwe yemakumi matatu emakumi matatu ejubleti inoita seasingasviki. Uye kunyange nezvikamu zviduku-uye hapana chakutaura. Ichokwadi, zvakapiwa kuti kuunganidza mari, zvipfeko zvetsika zvakadai sekuchengeta mari mudzimba pasi pematirasi zvinoshandiswa. Asi kana, semuenzaniso, "zvinosanganisira" mutengo wemari (mutual funds) kana mabhizimusi anobhadhara mari, mufananidzo wacho unozove wakasiyana chaizvo.
Saka, uri mutungamiriri wepakati. Iwe unowana mabhiriyoni makumi maviri nemaviri pamwedzi, mumakore achangopfuura akaunganidza zvishoma, anoti 50 zviuru rubles. Pangozi yakaenzana yakakwana mumakore mana, mari iyi inogona kuchinjwa kuva chiyero chakakura pamwe nenhamba inofadza yezero. Chinhu chikuru ndechokutora danho rekutanga. Uyezve zvichava nyore.
Ndiani asingaiti ngozi ...
Iwe unogona kutumira mari yako, uyewo hafu yemari yako yaunenge wapedza mwedzi mumwe nomumwe, kune imwe mimwe yakasanganiswa yekushambadzira mari. Zvakanakisisa kusarudza "chiyero", izvo zvinoratidza mari yakawanda kana yakaoma, asi haisi pakati pevatungamiri vekukura (iyo yekupedzisira kakawanda mushure mekunge imwe nguva yava kunze). Mavhareji ekugoverwa kwezvikwereti zvakadaro mumakore achangopfuura inenge 37% pagore. Nokuda kwegadziriro iyi, guta guru mumakore mana richava mamiriyoni maviri makumi maviri nemazana makumi maviri (258,000 rubles) (ona ndiro). Nemari iyi unogona kutotanga kufunga nezvekutenga imba yako.
Nenzira yakawanda, mugumisiro iwoyo unogona kuwanika nemari yekutsvaga muhomwe yekodzero (mune zita rayo, zvichida, ichava nemutsara we "MICEX Index"). Zvisinei, kuiswa kwakadaro kunobatanidza nematambudziko makuru, kureva kuti, mukana wekuti huchava huwandu hwakatarwa huri kukura. Asi iwe unogona kusvika kumuganhu wemabhiriyoni maviri emabhiri mumakore mashanu, uye kudzorera mwedzi wega rega zviuru gumi zvebrule.
Mortgage pasina varanda.
Chiitiko chinoratidza kuti iri zviuru gumi zvebrule pamwedzi - ichi ndicho chiyero kuburikidza nekuisa izvo iwe uchanzwa kusanyanya kunetseka. Zvechokwadi, munguva pfupi kuwedzera kwayo inogona kunge ine nzira yakarurama. Nekakanaka kuswedera (kare - mari - mune yekuchengetedza), iwe unonyanya kuchengetedza pamutengo wokutanga wekutora chikwereti. Nekuda kwekutsvaga kwemajeri kwemabhiriyoni 10 mumabhizimisi ane pangozi (semuenzaniso, bhandi rebhadha ne 12% yemari yemari) makore maviri gare gare, guta guru richakwanisa kuita mabhiriyoni 260 zviuru. Kuunganidza miriyoni miviri yeRibles nenzira iyi inotora makore anopfuura 11.
Kutenga imba yekutenga chikwereti, iwe unofanirwa kuisa pfungwa pakutora chikamu chekutanga. Kana iri 20% yemari yeimba, ngatitaurei, zvinokosha kuti tibatanidze mazana mana euru rubles. Kuunganidzwa kwechiyero ichi nehuwandu hwehutano hunotora makore matatu.
Imwe nzira inobatsira yezvemari inokosha kuziva kuti iwe unosarudza kutora chikwereti. Somuenzaniso, mushure mekubhadhara chikwereti uye mari yakawanda inoshandiswa kubva pamari yako inenge iripo. Inogonawo kuiswa mari, ichiti, mune mutero wekutsvaga mari pamwe nehuwandu hwehutano. Nekavhareji yezvibereko zve20% mumakore maviri, unogona kuwana mari yakakwana kuti udzorere chikamu chikwereti chekukwereta uye kukurumidza kubuda kubva kubhandi bhangi.
Ndinopedza zvakadini?
Nokuti kuunganidza zvakakosha zvikuru kuronga mari yako zvakanaka, zvishoma pamwero wekutengesa mari. Somuenzaniso, pakupera kwegore rapera musikana muduku aishanda mune imwe kambani yeWestern yakakura akabvunza nyanzvi kune mazano. Akawana mabhiriyoni makumi mapfumbamwe emabhururi pamwedzi. Kuti atenge imba muzvivako, haana kukwana 1,3 million rubles. Musikana uyu aive nechokwadi chokuti aisazokwanisa kuchengetedza mutengo uyu. Pamakore matatu apfuura, akakwanisa kudzorera mabhiriyoni mazana maviri emabhururi. Zvakazoitika kuti nyaya yose iri kupedza. Zvayakaverenga zvinodiwa mari (zvokudya, zvipfeko, kubhadhara imba, nezvimwewo), vakawana pamwe chete kuti izvi zvose zvinodhura madhora makumi mashanu emakumi mashanu emwedzi. Izvo zvose - tsvina yakasununguka, iyo inokwanisika kuramba. Izvozvo zvakaitika kuti kana iwe ukachengetedza mabhiriyoni makumi matatu eRuble mwedzi mumwechete, ipapo 420 mazana achaunganidzirwa kwegore. Mumakore maviri uchawana 840 zviuru zveRubles uye pamwe nemazana zviuru makumi maviri zveRubles. rubles wekare yakachengetwa. Zvose kutenga chivako chemamiriyoni 1,3 rubles achada kunyorera 260 zviuru zvebrule, izvo zvisiri zvakaoma kuunganidza. Mukutaura, vanogona kunyange kukweretwa. Nokudaro, unogona kuchengetedza imba yakadai mumakore maviri nemwedzi mitanhatu. Kana iwe ukachengetedza mari pane imwe bhadha yebhishopu, iwe unogona kusvika kune chinangwa mwedzi mitatu yapfuura.
Simple arithmetic
Gore | Pakutanga chikamu, bvisa. | Mutero weMwedzi, rub. | Kubudirira | Mhinduro, rub. |
2008 | 50,000 | 21,000x12 | 37% | 402,000 |
2009 | 21,000x12 | 37% | 854 000 | |
2010 | 21,000x12 | 37% | 1 506 000 | |
2011 | 21,000x12 | 37% | 2 258 000 |
Kana chido chokutenga imba yakakura, saka zvechokwadi zvakakosha kugadzirisa bhajeti. Chii chaunoda kuita ichi?
1. Kugovera mari nemhando (michina, kusungirwa mari, zvipfeko, kudzidziswa kwomwana, nezvimwewo) uye zvinyorwa.
2. Zivai mari iyo inogona kuderedzwa (kutenga zvigadzirwa zvakawanda kana kuenda kune zororo mu "nguva" yakafa).
3. Ngwarira kusafunga uye kusagadziriswa mari (somuenzaniso, kazhinji kutenga zvishongo).
4. Sarudza mari yakafanira yekutsvaga kwemazuva ose, zvichienderana nemari yekuwana uye mari.
Kunyange zvakadaro, munhu anofanira kunzwisisa kuti zviri chaizvo zvakaoma kukurumidzira kuchengetedza imba. Izvi zvinokwanisika, asi zvinoda kushanda nesimba. Uye kunyange inoda vamwe vashandi. Asi iwe haufaniri kuisa mari yose yaunayo muPIFs. Iwe unofanirwa kusiya imwe mari mubhangi rekubhadhara kuti ukwanise kuvabvisa kana zviitiko zvisingafanoonekwi. Ichakubatsira iwe kunzwa uine chivimbo. Asi mazano makuru: usachengetedza mari yose pasi pematirasi. Regai vashande kwamuri. Uye kurota kwako.