Sezvazvinowanzoitika, chinangwa chikuru chevashambadziri vadiki nepakati ndechekugadzira iwo huwandu hunogoneka hwemari mukuita kwavo pamusika wemari. Ndiko kubudirira muzvikwereti zvako. Asi iwe haufanire kukanganwa kuti zano rakavakirwa pamutengo wemidziyo inogona kuvabatsira kunatsiridza mhedzisiro yavo gore rega. Kubva pane ino yakajairika mamiriro, zvinopfuura zvinokurudzirwa kuvandudza zvakateedzana zvezvinokosheswa izvo zvinowanzo kudzikisira mari inobhadharwa mune chero kushanda mumisika yemari. Iwe unoda kuziva here kuti ndeapi angave akakosha zviito kuti uwane ichi chinangwa?
Iyo inogara ichiwedzera purofiti ita basa hombe kupfuura akati wandei emari shoma. Icho chikonzero ndechekuti ivo vanogadzira yakawanda kuchengetedza mumakomisheni. Kwete zvisina maturo, kufamba kwemari shoma kunorangwa zvine chekuita nekudyara kwepakati nepakati. Ipapo zvinosarudzika kuti varimi vanonyanya kusarudza pavanotenga masheya. Kusvika pakuti ivo vanozove nemubairo wechiitiko ichi zvakapusa kuzviita.
Musiyano mukubatsira kwemusika wepasirese wepasirese zvine chekuita nenyika dzepasi rose unenge usinganyanye semhedzisiro yekudyidzana kwepasi rose kwemisika yemari. Izvo hazvisi nekuda kwerudo rwekuda nyika, asi hazvizobhadhara chero chinhu kusarudza kukosha kweiyo Spain chiratidzo kuti iite zvakanaka kuchengetedza kunobatsira. Makomisheni ako anokwana zvakapetwa zvakachipa kupfuura kunze kwemiganhu yedu. Chikonzero chakaringana kusarudza iyi inoshamisira nzira yekudyara. Vachave vaine zvikamu zvakakwirira kwazvo mumusika, zvine purofiti inopfuura 5%.
Bhadhara chiyero chakadzika
Vatyairi vasina kugadzikana mumusika, ndiko kuti, avo vanoita mamwe mashandiro pamwedzi, vachange vachishandisa mari yakakosha mumakomisheni uye nezvimwe zvinoshandiswa mukutarisira kwavo. Icho chinoburitswa icho chinogona kunyatso kudzivirirwa nekunyorera yakadzika fizi kuti ishande pamusika wemusika. Kwemari padhuze ne 30 euros pamwedzi Sezvo akawanda mashandiro sevadiki nepakati varimimari vanoshuvira, ivo vanogona kuitiswa pasina chero chero mhando yezvirambidzo kana kukwana. Mushure megore rimwe uye mushure mekuongorora mhedzisiro yemubhadharo uyu, zvichagumiswa kuti kwave kuine akawanda ma euro akachengetedzwa. Kupfuura kufungidzira kubva pakutanga.
Tungamirirwa neyakajairwa
Imwe yekiyi dzekubudirira mu kushanda mumusika wemasheya zvakavakirwa pakutevera yemaitiro akanaka kwazvo. Ndokunge, tanga mafambiro mukati kukwidza zvemberi, uye kana zviratidzo zvekutanga zveutera zvikaonekwa, bvisa zvinzvimbo nekukurumidza. Kana zano iri rakareruka rikashandiswa mukudyara, mikana yekuti chirevo chedu chemari ichawedzera ichave yawedzera zvakanyanya. Izvo zvakare zvakareruka kwazvo kutevera nekuti zvichazongove zvakakosha kudzokorora mafambiro emisika yemari. Kusvikira iwe wazadzisa zvinangwa zvawakaisa pakutanga kwekushanda.
Kwete kuisa mari iwe yaunoda
Pakati nepfupi-zvenguva pfupi mashandiro anogara aine njodzi kune chero chinodikanwa chemari mumaakaundi ako ega. Neichi chikonzero, usati waisa mari iwe unofanirwa ongorora mamiriro ako emari. Nekuti kana iwe uchizoda mari mumakore mashoma, njodzi dzako dzinowedzera zvishoma nezvishoma uye unozvifumura kusava nesarudzo kunze kwekutengesa, zvishoma kana zvachose, zvikamu zvacho nemutengo wakashata, pamwe nekuderera kwakakosha mukukoshesa kwavo. Mupfungwa iyi, kana aya ari mazuva ekupedzisira musarudzo, mari yekudyara inofanirwa kuitwa pasi pemari isinganyanyodiwa. Iko kwaunogona kupindura kumubhadharo uyo uchauya nemwedzi mishoma inotevera.
Tarisa pane iyo yakareba nguva
Kunyangwe zvisiri zvako zvaunofarira mukirasi ino yemari, mikana yekurasikirwa nemari inoderera zvakanyanya. Kana iwe uchida kuwana inogamuchirwa mhedzisiro mune yako investments, iwe unofanirwa kuenda kune aya marefu mazwi. Kune rimwe divi, kana iwe uine nzvimbo dzakavhurika munzvimbo dzekuchengetedzeka dzinogovera zvikamu, haufanire kukanganwa kuti uchave ne yakatarwa uye yakavimbiswa kubhadhara makore, chero chii chinoitika mumisika yemari. Nebatsiro rinofamba mune imwe nhanho inoenda kubva ku3% uye kusvika ku7%. Ndokunge, zvinoita sekunge wainge waita chibvumirano chakatemwa chemari mukati meiyo musiyano. Zvisinei nekushanduka kwemitengo.
Dzivisa kutengesa mabasa
Uye pakupedzisira, haufanire kunge uchigamuchira zvakanyanya kune urwu rudzi rwekutengesa masheya sezvo ivo vachiwanzo kurasikirwa nemari. Zvidzidzo zvakasiyana zvinoratidza kuti vanopfuura makumi masere muzana evashambadzi vanoedza kuderedza capital yavo mumisika yemari. Uye zvakare, iwe unofanirwa kupa yakanyanya yakakwira mwero wekudzidza kupfuura mune zvakajairwa mashandiro mukutenga nekutengesa kwemasheya pamusika wemasheya.
Kiredhiti kubva kumaATM
Chero zvazvingaitika, uye pamberi pemamiriro ezvinhu maunogona kunge uchirasikirwa nemari yakawanda kupfuura yaungafungidzire, unogona kuyedzwa kukumbira mutsara wechikwereti kuti ugutse zvaunoda zvemari. Imwe yemhando diki inodaidzwa ndeye iyo yakatorwa kubva kuzvikwereti kubva kumaATM. Kunyanya kuitira nyore kwayo kuzviwana uye nekuti vanoisa chiyero chemubereko chakaderera pane mamwe mafomati. Ivo vachakushandira iwe kutarisana nemamiriro ezvinhu akaipa mumusika wemasheya, chero mari yakadyarwa isiri yakanyanya kubva ipapo kuvhiya uku hakuzokubatsire pazvishoma. Kwete pasina, iwe uchabhadhara maeuro mazhinji mukufarira.
Yekukurumidza mari ine imwe yeanonyanya kuburitsa muzvikwereti kuburikidza nemaATM uye izvo zvinogona kutungamira kune vashandisi kuve vanokwanisa kubuda mumatambudziko asinganzwisisike muhupenyu hwavo hwezuva nezuva. Chero zvazvingaitika, iwo mutsara wakasarudzika wechikwereti uyo usingazivikanwe nenhamba huru yevatengi. Nekuda kwehunhu hwayo hwakasarudzika, haina kutarisirwa semari yakajairwa kubvira kutanga nayo chikwereti chakatopihwa saka hachidi mvumo yako. Mupfungwa iyi, ndicho chinhu chepedyo kune a pre-kupihwa kiredhiti.
Kana ichi chakakosha sosi yemari ichisiyaniswa nechimwe chinhu, imhaka yekuti zvinokwanisika kuwana tipidhi yemvura nenzira inonetseka uye nekukurumidza. Pasina kukosha kwekupa hapana mhando yezvinyorwa kana kuita zvinorema manejimendi maitiro. Mupiro wemubhadharo kana wenguva dzose mari hautombodiwa. Kwete pasina, mumaawa mashoma mumhan'ari achave nemari yake yaanogona kutora kubva kumaATM ebhangi rake. Iko mukana wekutanga zvine chekuita nedzimwe nzira dzekuda chikwereti, kunyangwe isiri iyo yega inogona kuonekwa.
Zvikwereti zvidiki
Ivo vanopa mashoma mashoma kwazvo izvo pasina kana mamiriro anopfuura muganho we10.000 euros uye izvo zvinogona kushandiswa kune chero chinodiwa nevanokumbira. Kubva kubhadhara chikwereti kune vatatu mapato kutenga chero chinhu chevatengi. Kune rimwe divi, mamiriro ayo ekubvumirana anenge aine hunyanzvi kupfuura nemimwe mitsara yemari. Nemusiyano unogona kusvika kune imwechete muzana poindi mukushandiswa kwemutero wemabhangi. Zvakare, ivo kashoma kupfuura makore mashanu kuzadzisa yavo yekubhadhara nguva yakatarwa.
Chero zvazvingaitika, kunyaradzwa kwako ndiko kukurudzira kukuru kuti uite chikwereti chakakosha ichi. Kwete pasina kana chinhu iyo inogona kuendeswa chero nguva yezuva uye pasina chikonzero chekuenda kuburikidza nebazi rebhangi kuti usangane nechikumbiro ichi. Sezvo izvo chete zvinodikanwa pakubvumidzwa kwayo kuve mutengi uye kuva kiredhiti kadhi nechinhu chinoburitsa ichi chigadzirwa. Kubva panguva iyoyo chaiyo, zvinongoda chete kutora mari kubva kune chero otomatiki mudziyo panguva iyo painenge ichinyatsodiwa.
Rwoga anovandudza
Kunyangwe izvo zvinopihwa zvinogadzirwa kubva kumabhangi zvinopa pakati pe5.000 ne10.000 euros kune izvo zvinodiwa nevatengi vavo, hazvidi kuti vapedze izvi zviyero. Asi pane zvinopesana, iwe unogona kuve uine hushoma huwandu uye nemamiriro akafanana muhurongwa hwayo senge iyo inonyanya kudiwa huwandu. Ichi ndicho chimwe chezvikonzero nei vachiratidzwa yemarudzi ese emaprofiles mune vatengi, sezvo ivo zvakare vasingade chinongedzo nezvimwe zvigadzirwa zvebhangi.
Imwe yemipiro yake yakakosha ndeyekuti kuhaya kwake hakutakure makomisheni kana zvimwe zvinoshandiswa mukutarisira nekuchengetedza. Nekuda kweichi chakasarudzika, mari inogona kunge irimo pakupera kwavo amortization. Iko kune zvakare mukana wekuvandudza kiredhiti tambo otomatiki uye pese pazvinenge zvichidikanwa. Chero bedzi pasina zvikwereti zvakasarudzika nechisungo chinotarisira kushambadzira ichi chigadzirwa chebhengi chine hunyanzvi. Nekuti hazvigone kukanganwika kuti chinopihwa kune vatengi vanonyanya kugadzirisa vanga vachishanda nesangano rezvemari kwemakore nemakore uye kuti rinogona kuitwa kuti riwirirane nemamwe marudzi ezvikwereti zvakapihwa kubva kune mumwe chete anopa. Pakati pezvimwe zvikonzero, nekuti idiki shoma yechikwereti, ine zvidiki zvinodiwa.