Nzira yekudzikisa mari yako yepamwedzi yemotokari
Zviri mukati
Paunoona kuti bhajeti yako iri kuomesa, unotanga kuongorora mashandisiro ako emari mukuedza kurerutsa chirevo chechikwereti. Iwe uchaona kuti mamwe madhiri anosungirwa, mamwe asina anochipa anotsiva, uye zvimwe zvinhu…
Paunoona kuti bhajeti yako iri kuomesa, unotanga kuongorora mashandisiro ako emari mukuedza kurerutsa chirevo chechikwereti.
Iwe uchaona kuti mamwe madhiri anosungirwa, mamwe haana anotsiva anochipa, uye zvimwe zvinhu zvaunogona kuita kunze kwekunge wadzokera pamakumbo ako uye mune zvirinani zvemari. Pakati pezvaunofanirwa kuve nazvo iwe uchiri kuda kubhadhara rendi yako kana imba, kubhadhara zvekushandisa uye - hongu - bvisa imwe mari kune yako yemwedzi yekubhadhara mota.
Nepo iwe uchigona kuita nharo yekuti mota ndeyemutambarakede kwete chinhu chinodiwa, iyo nharo inogona kusateererwa. Mazuva ano, isu tinovimba nekufambisa kwemunhu - kwete sekuwedzera, asi kazhinji senzira yekuita basa redu uye kuwana mari inodiwa yehupenyu hwakanaka.
Nepo usingafaniri kubvisa motokari yako kurerutsa mutoro wako wezvemari; Pane nzira dzinoverengeka dzaungashandisa kuderedza mari yako yemazuva ano yemotokari yemwedzi kuti ikwane bhajeti yako.
Nzira 1 ye4: Batanidza chikwereti chako
Kana uine zvikwereti zvakawanda pamusoro pekubhadharira mota yako, zviri nani kubvunza mushandi wechikwereti nezvekubatanidza chikwereti. Izvi zvinobatanidza zvikwereti zvako zvakawanda mukubhadhara kumwe kuri nyore kubata nazvo maererano nebhajeti yako, uye kazhinji kunoderedza mari yaunoda kubhadhara mwedzi wega wega.
Neiyi nzira, zvinotokwanisika kuvharira mubereko uri nani kupfuura kare.
Nzira 2 ye4: Refinance chikwereti chemotokari
Kubatanidzwa kwechikwereti haisiriyo chete nzira yekuwana mubereko wakaderera uye pakupedzisira kuderedza mari yako yemwedzi yemotokari. Iwe unogona zvakare kugadzirisa chikwereti chemotokari.
Kana hupfumi hwenyika hwakadaro zvekuti mitengo yemubereko inowanzodzika, kana kuti chikwereti chako chave nani kubva pawakatanga kupa mota yako mari, iyi sarudzo inofanirwa kuongorora.
Danho 1: Tarisa chikwereti chako chemari. Sezvakangoita iwe uchada imwe mari yakawanda usati wagadzirisa chikwereti chako chemba, iyi sarudzo ingori sarudzo kana wanga uchibhadharira mota yako kwechinguva.
Mari yako yechikwereti inofanira kunge iri shoma pane yazvino kukosha kwemota yako.
- MabasaA: Kuti uone kukosha kwemotokari yako uye uchienzanisa nemari yaunokwereta, shanyira Kelly Blue Book kana mawebsite eNADA.
Danho 2. Dzimisa maitiro anoda kuwana nhoroondo yechikwereti. Paunenge uchitsvaga kubatanidzwa uye kudzoreredza sarudzo, yeuka kuti kunyangwe iwe uchifanira kuenzanisa mitengo kubva kune vakawanda vanokweretesa, iyo frequency yaunowana nayo nhoroondo yako yechikwereti inokanganisa chikwereti chako.
Nekuti pese paunokumbira mukweretesi wechikwereti, zvinokanganisa chibodzwa chako, dzikamisa "kutenga" kwako kune zvakanakisa sarudzo, senge banking institution yaunoshandisa nguva dzose.
Nzira 3 ye4: Chinja kumota yakachipa
Kunyange zvazvo zvisingabviri kurarama usina motokari, unogona kuderedza zvikuru mari yako yepamwedzi nokungotenga motokari yakachipa. Izvi zvinoda kuti utengese mota yako yazvino kuti ubhadhare chikwereti uye kushandisa mari yakawedzerwa kuita mubhadharo wepasi pamotokari yakaderera.
Kunyange zvazvo nzira iyi ingaite seyakanyanyisa, inoshanda zvikuru pakuita kuti bhajeti yako yepamwedzi ive isingatyisidzi.
Danho 1: Tengesa mota yako. Kuti nzira iyi ishande, unozofanirwa kutengesa mota yako nemari inopfuura chiyero chechikwereti chemotokari yako.
Nepo mawebhusaiti akadai seNADA neKelly Blue Book anogona kukupa fungidziro yekukosha kwemotokari yako yazvino, izvi hazvireve hazvo mari chaiyo yekutengesa yauchagamuchira. Kuti uwane pfungwa iri nani yezvaunogona kuwana chaizvo kumota yako, tarisa kudhindwa kwenzvimbo uye kushambadza kwepamhepo uye tarisa mutengo wekutengesa wemotokari senge mota yako.
Danho rechipiri: Tora motokari yakachipa. Iyi nzira inoshanda zvisinei nemari yemubereko, sezvo chikwereti chemotokari yechipiri chichava chemari yakaderera pane chikwereti chemotokari yako yapfuura.
- MabasaA: Kana uri kuronga kutenga motokari yakashandiswa, hidza makanika ane hunyanzvi seweAvtoTachki kuti aongorore asati atenga kudzivirira kugadzirisa kunodhura mune ramangwana.
Nzira 4 ye4: Tauriranai nemari yakaderera nemukweretesi wako
Vamwe vanokweretesa vane mutemo wekuti mubhadharo unogona kudzikiswa kwenguva pfupi apo mukweretesi akawana shanduko huru yemuhoro nekuda kwemamiriro akanyanya akadai sematambudziko ehutano kana kurasikirwa nebasa.
Danho 1: Bata mutengesi wako. Iwe unozove nemukana wekubudirira mukutaurirana mitsva yechikwereti chemota kana iwe wakabhadhara mota yako kuburikidza nemutengesi. Kuenda kune mutengesi kunobatsira kune bhizinesi rako nekuda kwekuti kune shoma tsvuku tepi uye iwe unogona kubata zvakanyanya nevanhu vanokuziva iwe kupfuura nesangano rose.
Danho 2: Funga nezvenguva yakareba kukanganisa pamari yako. Ramba uchifunga kuti kana iwe ukakwanisa kutaurirana nezvekubhadhara kwakaderera, huwandu hwese hwemubereko hwakabhadharwa huchakwira uye chirongwa chekubhadhara chinenge chakareba. Saka kana iwe uchitarisira kuti mamiriro ako emari avandudze munguva pfupi iri kutevera, iyi inogona kunge isiri iyo yakanakisa sarudzo mukufamba kwenguva.
Hazvinei kuti ndeipi nzira yaunozosarudza, nhau dzakanaka ndedzekuti haufanirwe kunge usina mota kuitira kuti mari yako yemwedzi nemwedzi yemotokari igone kurongeka. Izvi zvinoreva kuti unenge uchiri kukwanisa kuenda nekudzoka kubasa, kana kuti zvimwe kuenderera mberi nekuita basa rinoenderana nekuva ne chako chekufambisa.
Yeresa zvakanakira nezvayakaipira zvezvisarudzo zviripo izvo zvakasiyana nemamiriro ako emari, uye imwe nzira ingangove nzira yakanakisa yekudzikisa mari yako yemwedzi nemwedzi yemotokari.
