Kumwe kwekunyunyuta kukuru kwevatengi maererano nehukama hwavo nemasangano ekubhengi kunobva kune akawanda mari anoshandiswa nezvibvumirano zvakabatanidzwa, chero zvaanga ari (mari dzekuchengetedza, chikwereti kana zvikwereti zvemunhu, kiredhiti kana makadhi ekubhengi, mari, kutenga uye kutengeswa kwemasheya, nezvimwe. .). Mune dzakawanda zvenguva iwe uchafanirwa kutora yakawanda mari kupfuura yekutanga kukwidziridzwa, kunyangwe mune iwo magadzirirwo ekuchengetedza. Uye kuti iwe wakamborarama mumunhu wekutanga pane kanopfuura kamwe chiitiko. Ivo vanogona kunyange kusanganisa bhajeti yako yemhuri pane imwe nguva chaiyo.
Aya haazi mamiriro ezvinhu anofadza kwazvo, uye kubva kwaunofanira kutizira kunokurudzira kuchengetedza nezvigadzirwa zvebhengi iwe zvawakagadzira, kana uri muchinzvimbo chekusaina mumwedzi iri kuuya. Rinenge risiri basa riri nyore, hongu kwete. Asi iwe unoziva chengetedza zvaunofarira semutengi izvo zvauri, iwe uchakurumidza kuzadzisa chinodiwa budiriro. Kusvika padanho rekuti iwe unogona kuzvipa iwe inopfuura imwechete whim kubva ikozvino zvichienda mberi. Iwe unoda kuziva sei? Iye zvino tinokutsanangurira iwe, kuti iwe ugone kuishandisa pasina kumwezve kunonoka.
Ruzivo rwakakodzera nguva rwekodzero dzauinadzo semushandisi webhangi dzinogona kukubatsira kuronga nekuchengetedza muhupfumi hwako hwemumba, pamwe nekutarisana nemabhadharo asingatarisirwi kune chero bhizinesi raunoita. Uye zvirokwazvo kuburikidza ne zvakadzama-ruzivo rwezvigadzirwa zvebhengi kuti iwe uchazonyorera. Uye kuti zvichienderana nemumwe wavo, zvinoda kurapwa kwakasiyana kuti vanzwisise zvavanofarira, makomisheni, zvirango, uye kunyangwe iwe uchigona kuzvidzima chero nguva.
Mashoko pamusoro pemari yekuwana mari
Pasina mubvunzo kukosha kwakanyanya kuchakanganisa iyo makiredhiti iwe aunobhadhara, chero yavo mhando. Kwete pasina, maeuro ari panjodzi achave mazhinji, apo kudiwa kweizvi zvigadzirwa zvebhangi kunogona kusvika kusvika 100.000 euros, kunyanya pane dzimwe nguva. Iwe haufanire kusiya chero chinhu kune improvisation, asi iwe unoda kuve nezvinopfuura chimwe chisina kunaka kushamisika kubva zvino zvichienda mberi.
ari mareti emari chichava icho chakanyanya kukosha kudzora mari. Unofanira ziva chiyero chaicho chavanoshandisa kwauri mukuita kwako kubhengi, uye kuti mune chikamu chakanaka chezviitiko icho hachinei nechekuita neavo vanoratidzwa nekushambadzira. Uye zvakare, iwe unosanganisa pakati pemubhadharo, angangoita makomisheni uye mari inoshandiswa, uyezve yavo chaiyo muzana. Zvinogona kutorwa kubva mukudzidza kwavo, kuvhura uye kudzima kwokutanga, pakati pezvimwe zvinoshandiswa. Kunyangwe iyo chirango chawaizotarisana nacho kana ukasateerera kubhadharo kwakabvumiranwa, uye zvakare mumatanho ekupedzisira.
Chero kutaridzika kwemabhadhariro aya kunogona kusimudza zvakanyanya mari inozogadzirwa nechinodiwa chemakadhi, kusvika kupfuura mari yakatarwa. Usati wasaina kondirakiti, unenge usisina imwe sarudzo kunze kwekutsanangura zvauri kuzonyatsobhadhara, uchidawo kuti iwe uverenge zvakanyatsonaka kudhinda kwechibvumirano, uye dzivisa matambudziko emunguva yemberi nebhanga kana muyananisi wemari
Yambiro nezvigadzirwa zvekuchengetedza
Kunyangwe zvisina kukodzera kudaro, zvinoda kuti iwe utarise. Kangani iwe wakashamisika kuti havana kukubhadhara iwe mari iyo iwe yawaifunga kuti yaifanira kunge iri? Saka kuti mamiriro aya arege kuitika kwauri kubva zvino zvichienda mberi, unosungirwa ongorora hunhu hweizvi zvigadzirwa zvebhangi. Uye uko kwausingakwanise kupotsa yezita rechimbadzo iro rinoshandiswa kugadzirisa mubereko, nguva yauchazowana uye fomura kana nzira dzinoshandiswa pakuverenga kwayo. Ruzivo rwako, saka, ichave iri yakanyanya mushonga ekudzivirira kushamisika kweminiti yekupedzisira.
Izvo zvichave zvakare zvakafanira kuti iwe utore iyo chaiyo ruzivo pamari yekuchinjana (kune iwo mashandiro ekutengesa kwemari yekunze kana mabhengi ekunze ane huwandu husingapfuure imwe huwandu mune iyo mari yakaunganidzwa), kunyanya inobatsira kana uchifanira kuenda kunze kwenyika , chero chikonzero. Iwe unozogona kusevha kupfuura zvaunofunga.
Chero zvazvingaitika, zvinokurudzirwa kuti iwe uzive, izvo mabhangi anogona kusununguka kuseta mubhadharo Ivo vanobhadharisa mashandiro uye masevhisi, asi chero zvodii ivo vane basa rekukuzivisa iwe. Chero musiyano unoitika unofanirwa kuziviswa kune mumwe nemumwe mutengi, kazhinji kuburikidza netsamba. Uye kana chiitiko chikaitika, iwe uchagara uine mukana wekukwirira sarudzo kuburikidza nekukumbira.
Chimwe chinhu chakanakira ruzivo rwako ndechekuti iyo chikwereti institution inosungirwa kuti ipe gwaro rinotsigira kune imwe neimwe kugadziriswa kunoitika (kungave kweaseti, chikwereti kana rimwe basa). Mune gwaro iri data rinodiwa rinenge rakapindwa kuitira kuti mutengi agone kugadzirisa kugadziriswa uye nekuverenga mutengo kana chinobatika chigadzirwa chemushandi. Icho chichava chirevo apo kuburitswa kwemari iwe kwaunoita, kufarira, makomisheni, mitengo yekuchengetedza, nezvimwe zvicharatidzwa.
Kusvinura kukuru nezvigadzirwa zvekudyara
Kana paine chikamu panoratidzwa zvichemo zvevatengi, izvo hazvisi zvimwe kunze kwekudyara. Kana kunyatso kutaura, mumatanho avanoshandisa kuita kwavo kuchengetedza kunobatsira, kungave muzvikwereti kana muhomwe yakatarwa. Hazvishamisi kuti kune zvakawanda zviri panjodzi kune vashandisi. Uye zvakare, ivo vanotakura akateedzana Zvemari yakatarwa inozove yakasiyana mune yega kontrakiti chigadzirwa. Uye izvo pamwe neimwe frequency ivo havazive pese pavanotora chinzvimbo mumisika yemari.
Pakati pavo, yakakosha ndeaya anotorwa kubva mukuita kwakadai sekutenga zvinhu zvemari kana kondirakiti yezvigadzirwa zvekudyara. Kuti vadzivise chero dambudziko nekubhadharwa kwemabasa anoitwa, ivo vanofanirwa kuwana ruzivo nezve iyo bhangi komisheni mitengo, mari inogona kubhadhariswa uye nemitengo yekuyera yekiredhiti institution Iyi data inofanira kunyoreswa neBhangi reSpain uye, nekudaro, nekuwana kune vese vashandisi. Uye mune chero zvazvingaitika, ivo havazokwanise kukuchaja mari yakawandisa kupfuura mutemo.
Izvo hazvireve kuti mukati memahara ekutengesa emabhangi pachawo, vane rusununguko pamitengo yavo, iine hupo hwekuchengetedza. Nemamiriro ezvinhu aya, hazvishamise kuti mamwe masangano anobhadharisa makomisheni akakwira kupfuura mamwe. Mupfungwa iyi, chiito chako chinofanirwa kutarisa pakutarisa yakanyanya kuchinjika mitengo, uye kubva kwauri kwaunowana mari yakakura kwazvo gore rega. Kunyangwe kutora mukana kune akawanda anopa uye kukwidziridzwa ayo mabhanga anga achiita kusimudzira yavo yekudyara zvigadzirwa.
Pasina kukanganwa chero nguva kuti paunonyorera chero modhi kuti kuchengetedza kwako kubatsire, chero kungave, iwe uchave uine akateedzana kodzero, uye kuti nguva yega yega pavanotyorwa unogona kuvatora ivo vachishandisa nzira dzakabvumidzwa kune idzi nhambo. Uye kupi Izvo hazvifanirwe kupotsa kuti kodzero dzinobatsira mapato ese ari maviri (chinzvimbo uye mushandisi) zvine chekuita nekushandurwa kwechido chakabvumiranwa kana makomisheni akaverengerwa anofanirwa kuziviswa kune vashandisi vane chiziviso chakaringana.
Through the Semiannual Chirevo cheClaims Service kuti iyo Bhanga reSpain rinoburitsa nguva dzose, unogona kutarisa huwandu hwezvakataurwa nevashandisi vebhangi, uye woziva kuti kune vamwe vanhu vari mumamiriro akafanana newe. Kana uyu mushumo wepamutemo ukanyatsoongororwa, iwe uchasvika pamhedziso yekuti zvinhu zvinonyanya kudiwa ndezvazvo zvine chekuita nekupihwa kwerumwe rudzi rwemari.
Mamwe matipi ekudzivirira kodzero dzako
Iko hakuna imwe nzira iri nani yekudzivirira yako kodzero semubhengi mushandisi pane kupa zviito zvako zvese neepamusoro degree rekujeka mukuita. Iwe unofanirwa kuda kuti ivo vakupe iwe neruzivo magwaro ezvigadzirwa iwe zvawakatenga. Uye kwaunofanira kuverenga kunyangwe iwo anodhinda akadhindwa kuitira kuti pasave nemamiriro mune yekuhaya anosara kune yekuvandudza. Sezvo iwe uchizogona kunge uri ivo vane vakanyanya kurasikirwa mune ino maitiro anogona kuvhurwa pakati pemativi ese.
Kuti iwe ugadzikane muhukama hwako nebhangi, uye chii chakanyanya kukosha, kuti iwe uzive kuti ivo vari kuzokubhadharisa iwe zviyero zvakagadziridzwa kune izvozvi mabhengi mirau, iwe unenge usina imwe sarudzo kunze kwekuterera kune vamwe yemazano makuru atinokufumura kubva kuchinyorwa chino.
- Usati wasayina chero chigadzirwa nebhangi, zvichave zvakakodzera kuti iwe uverenge zvese zvavo zvekunyorera mamiriro, uye iwe unofanirwa kuda kuti vakupe iyo kuti iwe ugone kutarisa kuti ndechipi chigadzirwa chauchazotsvaga mumaawa mashoma anotevera.
- Kana chero emamiriro acho akachinja, mumitengo yemubereko, makomisheni, zvirango, mazwi ekugara zvachose, nezvimwe. ivo vachafanirwa kukuzivisa iwe pamwe nekufungidzira kuburikidza netsamba. Imomo mauchaburitsa mamiriro matsva echigadzirwa chebhengi.
- Wongorora zvese zvinyorwa zvebhangi kuti ivo vanokutumira iwe, kuti uone kana paine kukanganisa, kana kukundikana kuti pakave nekuchinja mune mamiriro awakasaina kare.
- Kuchengetedza mari, mabhangi anogona kunge asingachakutumire iyo ruzivo rwekufamba kwako kukuru. Kana zvirizvo, uchafanira kutarisa kubva pakombuta Kuburikidza nekodhi yekuwana iyo iwe yauchazopihwa kwauri kubva kuchinhu
- Kana iwe usina kugutsikana nechero kumwe kufamba kuri mumaakaundi ako ekutarisa, unenge usina imwe mhinduro kupfuura faira chikumbiro kubhangi, asi nekukurumidza sezvazvinogona, nekuti hazvikurudzirwe kushandisa nguva yakareba pasina kutaura chiitiko.
- Usabhadhare chigadzirwa chine mashandiro ausingazive kana mashandiro, nekuti inogona kukuunzira inopfuura rimwe dambudziko kwauri, uye kunyangwe mune yekudyara, ichitungamira iwe kurasikirwa nechikamu chakanaka cheuwandu hwenhumbi dzako.
- Uye pakupedzisira, edza kuburitsa bhangi rako kuti rive pachena sezvinobvira, uye kana zvisiri, iwe uchagara uri munguva yekuchinja chinzvimbo.