Zvemukati
- 1. Ndezvipi zvinangwa zvenyu semurume nemudzimai?
- 2. Uri pachena sei iwe kana zvasvika pakutaura nezvemari?
- 3. Ndeipi mitemo yepasi?
- 4. Mari dzekugovana dzichagovewa sei?
- 5. Une maitiro akafanana ekubhanga here?
Iwe watora nhanho hombe yekufamba uchidzika nemugwagwa uye uchingodzoka kubva kune inoyevedza honeymoon. Mushure mekunakidzwa kwemuchato-wemuchato wekushongedza nzvimbo yako nezvipo zverejista (uye kupedzisa ese iwo mazvita manotsi!), Unofanirwa kutanga kufunga nezveimwe yeanoshanda mativi emuchato - yako mari. Zvichida iwe unoda kuchengetedza kusvika pakupedzisira kuenda pamusoro pekuhaya uye kuenda kumba kwako kwekutanga, kana kufunga nezvekutanga mhuri, uye kuzviwana zvakarongeka kunogona kuvabatsira kusvika ikoko. Mumwe mubvunzo wakakomba murume nemukadzi vanofanirwa kubvunza ndeyekuti uvhure sei akaundi yekutarisa account kana kuachengeta akapatsanuka.
Heano mazano mashanu pazasi ekufunga kana uchisarudza kana iri chaiyo danho.
1. Ndezvipi zvinangwa zvenyu semurume nemudzimai?
Chikamu chakakura chekuroora marongero aunoita mari yako sechikwata. Kunyangwe iri kuchengetedza kutenga imba, kurera mhuri, kana kushanda zvishoma kuti uteedzere mapurojekiti aunofarira, kutora nguva yekugara pasi utaure nezve hupenyu hwaunofungidzira nemumwe chinhu chakakosha kuenzanisa mari yako ne tsika dzako dzakagovaniswa uye zvinangwa zvenguva refu.
Kunyangwe izvi zvisingashande kune wese munhu, kuve nemunhu mumwe muhukama kuve nemhosva yezvemari senge kuona kuti zvikwereti zvakachengetwa, maaccount emudyandigere anopihwa mari, uye zvinangwa zvemari zviri kufamba pamwe, zvinogona kubatsira. Ingo ita shuwa kuti iro basa remunhu akasarudzwa kuti achengete maakaundi ako rakanyatso tsanangurwa.
2. Uri pachena sei iwe kana zvasvika pakutaura nezvemari?
Kana iwe uchiona zvichinetsa kutaura nezve mari nemumwe wako, hausi wega. Kutaura nezvemari chidzidzo chinobata vazhinji. Roma haina kuvakwa nezuva rimwe, saka tanga zvishoma uye zvishoma nezvishoma gadzira kuvimba ikoko. Ndipo chete mushure mekunge iwe wavaka kuvimba ikoko kuti iwe unokwanisa kuve neyakajeka uye nemoyo wese hurukuro nezve zvemari.
3. Ndeipi mitemo yepasi?
Kana iwe ukavhura account yakabatana, kumisikidza mitemo yepasi ichave nechokwadi chekuti iwe nemumwe wako mune peji rimwe chete kana zvasvika pakushandisa mari. Mimwe mitemo inogona kunge ichiongorora nemumwe munhu kutenga kwakasarudzika kuri pamusoro pe X huwandu, kana kuti munhu wega wega ane basa rekubhadhara chikwereti chake.
Kana mumwe wako pahukama hwako ari iye anoriritira asi mumwe wacho akabatikana nekudzidza kana kuita zvechengeto yevana, tsvaga kuti muridzi mukuru arikwanisa kuwana mari yekuwedzera mari here, kana kuti mari yavanorasa inogoverwa zvakaenzana. Kufungisisa zvinhu zvisati zvaitika kunodzivirira kupokana pamutsetse.
4. Mari dzekugovana dzichagovewa sei?
Kana iwe newawakaroorana naye musina kuenzana mihoro, mari yakagovaniswa ichatsemurwa nepakati? Kana zvisina kudaro, mumwe nemumwe ane basa rei? Imwe nzira inogona kuita ndeyekuti mumwe nemumwe wako anopa chikamu pazvikamu zvakagovaniswa zvakaenzana nepaseti yemari yavanounza. Semuenzaniso, kana iwe ukapa makumi mana kubva muzana kumari yese semurume nemukadzi, unenge uine mutoro wekubhadhara makumi mana muzana Yako akagovana mari, nepo mumwe wako achipa makumi masere muzana muzana.
Izvo iwe zvaunogona kuita kuyedza mvura ndeye kutanga kuvhura account yakabatana iwe uchichengeta ako akapatsanurwa maakaunzi panguva imwe chete. Iyo akaundi account inogona kushandiswa sedziva rekubhadharira mari yekugara yakadai sedzimba, zvinoshandiswa, uye chikafu, kana inogona kushandiswa kubhadhara chinangwa chakagovaniswa, senge zororo reroto kana kuisa pasi muripo pamba.
5. Une maitiro akafanana ekubhanga here?
Paunenge uine akagovaniswa account account kubhadharisa yako mari uye woita kuti zvive nyore kuteedzera, ita shuwa kuti yakakodzera zvakakwana kune ako maviri mabhengi masitaira. Semuenzaniso, mumwe wenyu anogona kusarudza masevhisi ewebhu-based financial institution, nepo mumwe wacho achida kuwana bazi chairo, saka kubatanidza mari yako kunogona kusanzwisisika sezvo mari yako ichibva kunzvimbo dzakasiyana dzakadai.
Kana mobile banking iri yakawanda yechinhu chako uye mumwe wako ari "mira mukati utaure nemumwe munhu" rudzi rwemunhu, saka shandisa nguva uchitarisa kune ako akasiyana sarudzo kuti uone kuti chii chiri jives zvakanaka kune ako mabhengi masitaira. Mumwe mutsauko ungave wekuti mumwe wako anofarira kushandisa mari nepo mumwe achida kubhadhara manhamba. Kana iwe uine mibvunzo, taura nebazi rako renzvimbo yechikwereti kuti udzidze zvakawanda nezve sarudzo, masevhisi, uye maturusi avanofanira kupa. Izvi zvinogona kujekesa zvinhu uye kubatsira nekuita sarudzo yakanakira iwe nemumwe wako.
Samantha Paxson
Samantha Paxson ndiye EVP yeMarket & Strategic ku CO-OP Financial Services, kambani yezvemari yekambani yemakambani emabhizimusi mazana matatu nemazana mashanu nenhengo dzadzo dzemamirioni makumi matanhatu.