Marudzi ezvokuchengetedza: nzira yekuzvishandisa nenzira yakarurama

Chimwe chezvikamu zvekare uye nzira dzose dzinofarira kuchengetedza mari yako ndiyo mabhengi emabhangi. Pasinei nehuwandu hwakaderera huripo, sarudzo iyi inosarudzwa kakawanda kupfuura, inoti, kuisa mari mune bhizinesi kana kutengeserana kugoverana kwezvitengo. Mabhizimisi ezvokutengeserana iye zvino anoshambadza zvakasiyana-siyana zvekuisa mari, iyo inonzi zvakanakisisa, "kuiswa" iyo inowanzogadziriswa yekodhidhi mune imwe yenyaradzo yakaisvonaka yakaisvonaka.

Kuti unzwisise chaicho chiri chikonzero chakanaka uye chinobatsira, uye icho chinongoratidzika sechinhu chakanaka uye chinobatsira, ngationgororei kuti ndeapi marudzi emari ari ikozvino mumusika webasa remari.

Mhando mikuru yekuisa, maitiro avo nemamiriro

Maererano nehuwandu hwebvumirano , mabhizimisi emabhangi akaparadzaniswa nekukurumidza uye asingagumi. Muchiitiko chekutanga, mutengi anopa mari yekodzero yekodzero yekushandisa mari yayo kweimwe nguva - kubva pamwedzi mitatu kusvika makore 2-3. Sezvo mutemo, iyo yakareba izwi rekuita kwechiito, iyo yakakwirira chibereko chechido pairi. Mhando dze "inoda" mari inenge yakakodzera pakuti iwe unokwanisa kubvisa chikamu chaidiwa panguva ipi zvayo kana kubvisa mari yacho zvachose, asi mari kubva kwavari iduku. Uyezve, kutumira mishonga yemabhengi emabhengi dzimwe nguva inoideredza kusvika kusvika zero. Imwe nzira yekuchengeta mari kusvikira panguva yakakodzera, pasina kushushikana pamusoro pemari ipi inogona kuba.

Iko kunewo mari inoshandiswa nenzira yemugodhi wedhomwe, iyo inogona kudzorerwa panguva ipi zvayo, ine chikwereti chakakwana kana zvisingagumi. Mhando dzakadaro dzinowanikwa kakawanda dzinonzi "Kopilkas" uye dzakafanana mumashoko akashandura, nokuti nenzira iyi zviri nyore kuchengetedza zvimwe zvekutengesa kukuru kana kungofanana nezveramangwana.

Mhando dzakasiyana dzemabhangi emabhangi uye mari yavanobvumirwa nayo. Dzimwe mabhangi, somuenzaniso, Sberbank, inopa anenge marudzi ose ezvigadziro mumari dzakasiyana, uye kunewo ma-multi-currency deposits. Zvichienderana nechisarudzo icho chinopesana uye chido chekufarira - iyo yakavimbika uye yakasimba shanduko, iyo yakaderera.

Kana kuri kubhadhara kwekufarira, kune zvimwe zvingasarudzwa: kubhadhara kwavari mwedzi mumwe nomumwe kana pakuguma kwesangano, kana kuti mari yepamusoro (kuwedzera kune chikamu chikuru chedhipiti) mwedzi wega wega kana kwekota. Zviri nyore, kana pane mukana wekusarudza, kana kuti uzvipe chido pachako kuburikidza neInternet banking. Basa rakadaro rinopiwa nemabhengi akawanda anotungamirira eRussia.

Izvi zvinenge zvose zvinyorwa zvemhando dzemadhora, kusanganisa kwavo uye kuchinja kunokonzera gungwa rose rezvipo zvinokosha kubva mune zvemari. Mutengo mukuru wemari kubva kumabhadharo unogona kufananidzwa nehuwandu hwehuwandu hwemuteereri: inowedzera kukosha kwekutsvaga uye izwi rechibvumirano, iyo yakakwirira yezinga. Wedzerai mikana yebatsiro yakadai sokubhadhara mari uye kubhadharwa kwekambani.

Kunewo zvipo zvinowanikwa kubva mune zvemari. Izvi zvinonzi "indexed deposits," iyo inobatanidzwa pane chimwe chinhu, somuenzaniso, mutengo wezvigadzirwa zvemidziyo kana mafuta, chiratidzo chemusika, nezvimwewo. Vatove vari veboka rekutsvaga mari, uye vane zvizivo zvavo pachavo uye maonero.

Zvakakosha kuyeuka

Paunosarudza rudzi rwekuisa mari, unofanirwa kungwarira kwete kungoenderana nemamiriro ezvinhu, asiwo kune mamwe mahomwe, mari uye zvikwereti. Mhando dzakasiyana dzemari dzakachengetwa dzine mavara uye maitiro. Semuenzaniso, kana chibvumirano ichibviswa nguva isati yasvika, pangave nekugadziriswa kwekuda kweiyo nguva yose yakakodzera, uye nekubhadhara compte, kubvisa chikwerero nemamwe mabasa ebhangi, vanogona kutengesa mari yakasiyana. Izvi zvakakoshawo kuziva kuti iyo chete mari inoshandiswa inshurenzi, iyo yakawanda iyo isingapfuuri 700,000 rubles.