Maitiro ekupedzisa kubhangi anogona kunzwa kunetesa kana iwe uri kutsvaga kunamatira nayo kwenguva yakareba kwazvo. Kutora bhangi rinoomerera pane zvaunoda kunogona kurerutsa maitiro ekubata mari yako uye nekukubatsira iwe kuchengetedza mari mukufamba kwenguva. Pane zvakawanda zvezvinhu zvekufunga nezvazvo; zvisinei, hezvino zvinhu zvinomwe zvaunofanira kugara uchitsvaga paunenge uchifona kwekupedzisira.
1. Rudzi rweakaunzi iwe yaunoda kuvhura
Ichi chikamu chinodzikira pane zvaunofarira iwe, kunyangwe iwe uchida nyore kutarisa account kana kutsvaga kuchengetedza. Kutanga, tsvaga mhando dzeakaundi maakaundi aunoda kuvhura, wobva watsvaga bhangi rinopa zvakanakisa kupihwa pane iyo mhando yeakaunzi yaunoda. Aya ndiwo ezvikamu zvakakosha zveakaunzi:
- Kutarisa: Muakaundi iyi, iwe unochengeta mari yaunoshandisa nguva dzose.
- Savings: Iyi account ndeyekuchengetedza mari yausingafungire kuvhiringa kwechinguva. Semuenzaniso, ungangoda kukwidza homwe yekukurumidzira, kutenga imba yekugara, kana kuchengetedza rwendo rwuri kuuya.
- Zvitupa zveDhipositi: Aya marudzi eakaunti anochengeta mari yako kwenguva yakafanotemerwa nguva, kuve gore kana maviri, uye chisimbiso muyero yako yemubereko yetemu yese. MaCD anobatsira kana iwe usingade kuwana nekukurumidza kumari yako yawakachengeta uye usingade kuisa njodzi yako pakuchinja mushure.
- Account Market Account: Iyi account yakafanana neakaundi yekuchengeta, kunze kwekunge mabhanga anowanzoita kuti zvive nyore kuwana mari yako nekukupa kadhi rechikwereti kana cheki yepepa.
2. Tarisa kunze kwemasevhisi akanakisa
Vamwe vanhu vanowanzo bata nemari yavo yese nekambani imwechete. Kana iwe uchifunga kuita zvinopfuura kuisa mari yako kubhengi, tarisa kune chero chinotevera zvigadzirwa nemasevhisi:
- Nhoroondo dzekudyara
- Kuronga zvemari
- Mortgages
- Makadhi emakadhi
- Zvimwe zvikwereti (zvemunhu, auto, zvikwereti zvevadzidzi zvakazvimirira)
Pedzisa mamwe maturusi aunoda kubva kubhangi rako, uye sarudza iyo inopa izvo iwe zvaunotsvaga nekunyatso tsvagurudza bhangi rega rega munharaunda yako.
3. Akaunzi yemari yemubereko
Kuongorora maakaunzi hakuwanzo kubhadhara chero mubereko, kana kana vakadaro, hauzowani yakaderera mareti chero kupi. Asi kana iwe ukaronga kuvhura account yekuchengetedza, CD, kana account yemusika wemari, zvakakosha kuti uone kuti uchawana marii mukufarira. Iwe unofanirwa kushivirira zvisingabvumirwe zvirambidzo kana iwe uchigona kuwana yakanyanya nhanho yemafaro pane ako dhipoziti.
Zvakare, ita shuwa kuti kunyangwe mushure mekubata nezvimhingamupinyi kana kushomeka kwevatengi, hautarisane nemari yekuwedzera, nekuti izvi zvinogona kukurumidza kuregedza chimbadzo chakawanikwa pane ako madipoziti. Kana iwe uchida kutsvaga chikwereti, sarudza bhangi rinopa yakaderera mitero yemitero. Zvino, kana iwe uchinge wabhadharwa uye usisade chikwereti, chinja kubhangi rinoenderana zviri nani nezvimwe zvaunoda zvebhangi.
4. Tsvaga masangano anobhadhara mari shoma
Chinhu chekupedzisira chaunoda kurasikirwa nehupfumi nekuvhura account yekubhangi. Semuenzaniso, kana iwe uine maakaundi matatu ane bhengi, uye iwe uchibhadhariswa mari yemwedzi wega wega, inogona kuwedzera zvakanyanya. Pamari yebasa yemwedzi nemwedzi, iwe uchazoda bhangi rinopa zvinotevera zvinhu:
- Hapana muripo: Bhengi raunofarira haribhadharise mari yemwedzi wega wega sevhisi kuaccount yako, zvisinei nematemu nemamiriro ezvinhu.
- Inogona Kuregererwa Muripo: Mabhangi mazhinji anobhadharisa mari yemwedzi wega wega, asi iwe unogona kuita kuti ibviswe nekuchengeta chiyero chidiki kana kutsvaira kadhi rako rekubhengi nhamba yakatarwa yenguva mwedzi wega wega.
- Mari yakaderera: Pamwe ungasakodzera kunakidzwa nekuregererwa kwakakwana pamubhadharo wepamwedzi, asi kana bhangi rikachaja muripo wakaderera, hazvizosiya chikwambo pamari yako.
Iyi haisi iyo chete fizi yekuchengeta mundangariro, asi vamwewo futi, kusanganisira:
- Mari yeOverdraft: Kana uchinzwa kutyira kuti unogona kudhiraivha account yako yekutarisa, bvunza nezve machaji eoverdraft. Iwe unogona kushandisa overdraft kuchengetedza, asi mabhanga mazhinji acharamba achida imwe mari kana uchifanira kushandisa overdraft kuchengetedza.
- Mari yeATM: Zvichabatsira kana iwe ukaona chiyero cheATM network uye kana bhangi richida muripo wekushandisa ATM kunze kwetiweki iyoyo.
- Yakawandisa Transaction Fees: Bvunza nezvekuti ingani bhangi richakubhadharisa mutero wekuenda pamusoro pemuganho wako wekubvisa transaction sezvo mari yakawandisa mune ino dura inogona kusiya buri muhomwe yako.
- Mari yeAbroad Transaction: Kana uchifamba kunze kwenyika nguva zhinji, bvunza nezvemuripo unodiwa nebhangi wekutsvaira kadhi rako rekubhengi mhiri kwemakungwa.
5. Sarudza pakati pezvidhinha-uye-dhaka kana online
Chimwe chezvinhu zvakakosha pakusarudza bhangi kuona kana iwe uchida bhangi rine zviteshi zvepanyama kana bhengi repamhepo. Vamwe vanhu vangangoda bhiridha-uye-dhaka bhangi sezvavanoda kupinda mune imwe nzvimbo uye nekudyidzana nemubhengi vakatarisana. Nekudaro, epamabhangi epamhepo anowanzo kuda mari dzakaderera uye vanobhadhara yakakwira mitengo yekufarira.
6. Sarudza pakati pebhangi, chikuva chebhangi, kana mubatanidzwa wechikwereti
Tarisa uone misiyano iyi yekutanga pakati pemabhangi, masangano ezvikwereti, uye mapuratifomu emabhangi kuti akubatsire kupedzisa chikuva:
- Mabhangi: Vane nzvimbo dzakati wandei kupfuura masangano echikwereti uye vanotora tekinoroji yazvino indasitiri nekukurumidza. Mamwe mabhanga anopa zvigadzirwa zvakawanda, sezvikwereti nemakadhi echikwereti, zvichienzaniswa nemasangano echikwereti.
- Zvikwereti zvekwereti: Vanopa zviri nani-zvemunhu basa revatengi maererano nemabhangi. Sezviri munyaya yezvidhinha-nedhaka, masangano ezvikwereti anobhadhara mari yakawanda.
- Mabhengi mapuratifomu: Aya mapuratifomu epamhepo anopa maakaundi ekuisa asi asiri ehunyanzvi mabhangi. Ivo vane mabhanga evanodyidzana anovapa inishuwarenzi, ichiita kuti ive yakachengeteka kune vashandisi. Aya mapuratifomu anowanzo kuuya nezvimwe zvinokurudzira, zvinosanganisira maturusi ebhajeti kana mareti emari yakakwira.
7. Kubatika kwemasevhisi
Maitiro ekuwana mari yako anofanira kunge ari nyore sezvinobvira. Kana ukasarudza bhangi rezvidhinha-nedhaka, iva nechokwadi chokuti kune mapazi nemaATM munharaunda yako kana hofisi. Kana iwe uchifamba mudzimba, funga kuenda kune bato rezvemari rine yakakura bazi / ATM network kuitira kuti iwe ugone kuwana mari yako zvisinei nekwaunogara. Mabhangi epamhepo ane maATM network zvakare, saka ita shuwa kuti unogona kuwana maATM ari pedyo ekushandisa pasina muripo.
Mashoko ekupedzisira
Maitiro ekutora bhangi haafanire kuve akaomesesa kana iwe ukanyatso kutevedzera gwaro rino uye account yezvinhu zvakasiyana. Nekuziva mhando dzemaakaundi aunoda, zvaunofarira zviri mukati-memunhu kana kubhengi repamhepo, uye iyo mari yauchabhadhara mubhadharo, kusarudza bhangi rakanakisa pane zvaunoda haisi basa reherculean.