Pane nguva apo iwe usina mari yakakwana yechinhu chaunoda. Kana kuenda kune imwe nzvimbo. Kana kudzidza. Ndipo paunoyera pfungwa yechikwereti chako inokubatsira kuzadzisa zvaunoda. Asi izano rakanaka here?
Nhasi tinoda kutaura newe nezve chii chinonzi chikwereti chako, hunhu hunoitsanangura, izvo zvinodiwa kuti ubvunze uye mamwe mazano pamberi payo.
Chii chinonzi wega chikwereti
Chikwereti chako chinoreva a kondirakiti yatakasainirana nesangano rezvemari (bhangi) ratinovimbisa naro kuti, mukutsinhana nekutipa huwandu hwemari X, ticharidzosera mwedzi nemwedzi kuburikidza nemubhadharo, pamusoro pekuchengeta mubereko uye mari yakatorwa.
Mune mamwe mazwi, inzira ye kukwereta mari kubhangi, kana munhu, kuzvinangisa pachedu, ndiko kuti, mari inoshandiswa kune chimwe chinhu chine hukama nemunhu (kutenga mota, zororo, nezvimwewo).
Hunhu hwechikwereti chako pachako
Pakati pechinyakare hunhu hwemunhu chikwereti iwe chaunogona kuwana, sekutanga kwavo, chokwadi chekuti inoshandiswa pazvinhu zvevatengi uye masevhisi zvakanyanya. Ndokunge, chinangwa chako ndechekutarisira mutengo wechimwe chinhu chaunoda kuita, kungave kutenga chimwe chinhu, kuenda parwendo, kudzidza, nezvimwe.
Ikozvino, chimwe chehunhu hwayo chine chekuita nehuwandu hwayo, nekuti zvikwereti zvemunhu hazviwanzo kukwirira zvakanyanya. Muchokwadi, mabhangi ane muganho wemari iwo wavanogona "kukweretesa" kuburikidza nechikwereti chemunhu. Pamusoro pezvo, munhu iyeye, nekukumbira sevhisi iyi, anofanira pindura nezvose zvaunazvo, zviripo uye neramangwana, pamwe nekuzvipira kuzadzisa zvisungo zvainazvo. Izvi ndeizvi: dzorera mari yakweretwa uye ubhadhare chikwereti nemakomisheni zvakatemwa muchibvumirano.
Iyo yemunhu chikwereti zvakare ndiyo iyo iyo uve nechikwereti chakakwirira, kana kuti chinodhura kazhinji nekuti, sezvo pasina chinhu chino "vimbisa" mari yakweretwa, imwe nzira iyo mabhanga anofanirwa kuona kuti iko kuunganidzwa ndeye kukumbira huwandu hukuru hwekubhadhara. Nekudaro, ivo vari kukurumidza kugadzirisa.
Ndingaite sei kuti ndiwane yangu chikwereti
Kana, mushure mekuverenga zvese zvataurwa pamusoro, iwe waita sarudzo yekunyorera yako wega chikwereti, iwe unofanirwa kuziva kuti ndezvipi zvinonyanya kudikanwa izvo kubhangi zvinokukumbira iwe. Tenda kana kwete, kana iwe ukaenda nezvose zvinobvira magwaro, unogona kukurumidza kuita uye, kunyangwe gare gare ivo vachifanirwa kuidzidza uye zvinokwanisika kuti usakupe mhinduro kusvika maawa 24-48 apfuura, kana kunyangwe mazuva mashoma gare gare, zvinogara zviri nani pane kumirira kutora data.
Izvi zvinotevera:
- Iva zera repamutemo (haugone kukumbira chikwereti chako wega kana usati wapfuura makore gumi nemasere).
- Iva neDNI kana Pasipoti isina kupera uye inoratidza kuti uri kugara kuSpain.
- Iva neakaundi yekubhangi kuSpain, zvine hungwaru nebhengi rimwe chete kwaunokumbira chikwereti chako pachako.
- Ratidza solvency yezvehupfumi. Izvi zvinoitwa kuburikidza nerisiti rekubhangi iro rinoshandira kuratidza kuti iwe une nguva nenguva yaunowana uye kuti, nekudaro, iwe unozogona kutora mari yekudzorera mari yavari kuzokweretesa iwe.
Mune mamwe mamiriro ezvinhu, ivo vangangobvunzawo pikicha kuratidza kuratidza kwako.
Chikwereti chako pachako kana kiredhiti
Iwe pachako chikwereti uye chako chikwereti ipfungwa mbiri idzo dzakawanda dzinofunga zvakafanana, asi zvirokwazvo hazvina kudaro.
Kana iwe uchinyorera chako pachako chikwereti, mukweretesi, ndiko kuti, iye ane mari uye anokupa iwe, anogona haangakupe iyo yose mari yacho kamwechete, asi anozviita sezvaunenge uchida. Naizvozvo, mubereko waunobhadhara hausi wemari yose yaunokumbira muchikwereti, asi chete zvaunoshandisa.
Semuenzaniso, fungidzira iwe uchikumbira wega chikwereti chako che6000 euros. Nekudaro, yemari iyoyo, iwe unongoshandisa 3000 euros. Iko kufarira kwauchazodzoka kubva kune iyo kiredhiti kunoenderana neiyo 3000 euros, zvinova ndizvo zvawakashandisa, kwete pane iyo 6000 yawakakumbira.
Kune rimwe divi, mune nyaya yechikwereti chega, mari yacho haingopiwi iwe kamwe chete, asi, kunyangwe ukasashandisa zvese, mubereko wauchazodzosera unoverengwa pane hwese.
Zvinhu zvaunofanira kuchengeta mundangariro usati wakumbira chikwereti
Tisati tapedza, tinoda kutaura newe nezve sarudzo yekukumbira yako wega chikwereti kana kwete. Chinhu chakajairika ndechekuti zano iri rinoremerwa kare usati waita sarudzo, asi dzimwe nguva kune nzira dzekuwana mari iyoyo pasina kuita chibvumirano nebhangi, pamusoro pekubhadhara kwemakomisheni nezvido.
Uye ndezvekuti, pakati pemazano atinogona kukupa iwe ndeaya:
Yera pfungwa yechikwereti chako pachako
Zvichienderana nemari yacho, unofanirwa kuongorora kuti zvakakunakira iwe kuti uzviite here kana kuti zvirinani kufunga nezve dzimwe nzira dzemari, pamwe nekuti ndizvo chaizvo zvaungaite here.
Dzimwe nguva chishuwo chekuve nechimwe chinhu, kana kuita chimwe chinhu chausingakwanise asi chiri mukati mekusvika kwakawanda, asi mhedzisiro yacho haina kutariswa shure kwaizvozvo. Naizvozvo, sekukwanisika, iwe unofanirwa kukoshesa iyo pfungwa.
Nenzira iyi, Iwe unokwanisa here kubhadhara iyo chikwereti mwedzi nemwedzi zvinoenderana nemari? Kana iwe uchiona zvichinetsa kuwana raramo, kuisa mari nyowani yemwedzi inogona kukunyudza zvakanyanya, uye kutadza kubhadhara pachikwereti kuchakonzera kubhadharwa kwakawanda kana iwe uchafanirwa kubhadhara kunonoka, uko kunogona kutodhura .
Funga nezve dzimwe sarudzo
Dzimwe nguva kukumbira shamwari kana nhengo yemhuri kunogona kubatsira kunzvenga kubhadhara makomisheni kana kugadzirisa mitengo kana mubereko, asi izvi zvinofanirwawo kujekesa kuti zvichave zvakafanira kuidzosera uye mamiriro ekudzoka anogona kubvumidzwa pachivande nemunhu iyeye.
Gadzirisazve accounting yako
Dzimwe nguva ne accounting kuronga zvakare, kana kunyangwe kubatanidzwazve kwechikwereti, unogona kugadzirisa dambudziko rawanga uchifunga kukumbira rako wega chikwereti. Nenzira iyoyo, izvo zvinoshandiswa zvicharamba zvakafanana asi iwe unenge uine mari yakawanda kuti ukwanise kutarisana nezvaunoda.
Izvi zvinoreva kuongorora mari nemari yauinayo uye, mumasekondi, uchitarisa kana zvichinyatso kudikanwa kana muchokwadi zvinomiririra chimwe chinhu chisina basa chaunogona kubvisa.