Apple picker Kuchengeta mari zvirokwazvo ibasa rinoitwa nehana uye rinoongwa. Nekudaro, kana ukafunga kuchengetedza mari yako, unofanirwa kusarudza sarudzo inozovadzivirira kubva mukukwira kwemitengo. Ehe, zvakanaka kusarudza sarudzo dzinounza mwero wakati wekutenda. Munyaya inotevera, tichakurukura dzimwe dzemitoo inowanzoshandiswa.
Kuchengeta mari yekuvaka
Nzira yekuchengetedza yakakurumbira inopa mubereko wakadzikama. Nekudaro, mukana mukuru wekuchengetedza kuvaka mukana wekuwana rutsigiro rwenyika, iyo iwe yauchagamuchira kana waona kufanotemerwa huwandu hwekuchengetedza. Kune rumwe rutivi, kukanganisa kweiyi nzira ndiko kusakwanisa kushandisa mari isati yapera nguva yekuchengetedza.
Maakaundi ekuchengeta
Maakaundi ekuchengeta anochinjika zvakanyanya pane kuchengetedza kuvaka uye iwe unogona kubva ipapo kuendesa mari kubva kwavari kuenda kumaakaundi ebhangi enguva dzose. Izvo zvisingabatsiri kutenda kudiki zvakanyanya kuburikidza nemubereko, izvo zviri kure nekusvika kune imwecheteyo kukosha senge nyaya yekuchengeta kuvaka. Saka ndiyo nzira yekukumanikidza kugara uchiisa parutivi mari yemahara.
Kuchengetedza mari mumaakaundi azvino
Ehe, iwe unogona zvakare kuchengetedza muakaundi yebhangi yenguva dzose. Ivo vane mari shoma, kune rumwe rutivi, mari iri pano ndiyo yakanyanya mvura uye yakagadzirira kushandiswa kubhadhara.
Savings in cash
Imwe nzira inoshandiswa ndeye kuisa mari mumari "mumashanga" pasina kushandisa cashless banking products. Muzviitiko izvi, zvinodikanwa kuchengetedza mari zvakanaka pakubirwa uye kuverenga zero mhindu paunenge uchiichengeta.
Kuisa mari kunokunda inflation
Zvinosuruvarisa, mienzaniso iri pamusoro (zvichida kunze kwekuchengetedza kwekuvaka) haizokudziviriri kubva pakukwira kwemitengo. Ndosaka mabasa ekudyara ari kuwedzera mukurumbira musiyano wekuchengetedza mari. Iyo portfolio yemikana yekudyara inokwanisika yakakura kwazvo, kubva kune zvechinyakare commodities, shares, mari yekutengesa (forex) kune cryptocurrencies.
Nekuda kwekudyara, unogona kuwana madzoro akanyanya, kune rimwe divi, kune njodzi yakakura yekurasikirwa nekukosha kwemari yako yawakadyara.
Dzimwe sarudzo
Mamwe marudzi ekuchengetedza anosanganisirawo Retirement Savings, mutual funds kana inishuwarenzi yehupenyu.
Kukurukurirana kwechinyorwa
Hurukuro haina kuvhurwa pachinyorwa chino.
