Chii Chinonzi Personal Financial Statement?
Imwe nyanzvi yemari ndeye gwaro rinoratidza zvinhu zvako zvepfuma uye zvikwereti uye wekodzero yako pachako inokosha.
Iko equation pano ndeyokuti Assets kudarika Masimba akaenzana neNet Worth . Kana iwe wakaroorana, iyo yehutatimende yemari inogona kunge iri kusanganiswa kwezvinhu zvako uye zveawakaroorana naye.
Nhumbi dzako ndezvenyu hupi hwezvinhu zvakadai semusha kana motokari kana zvikwereti.
Zvikwereti zvako ndezvipi zvaunokwereta kune vamwe. Semuenzaniso, unogona kuva nechikwereti kumusha wako kana motokari, kana iwe unogona kubhadhara mari pamakadhi emakwereti.
Yako net net worth Ndiko musiyano pakati pezvinhu zvako uye zvikwereti zvako. Somuenzaniso, kana uine imba nemotokari inokosha ye $ 100,000, uye iwe une chikwereti nemari yemotokari ye $ 75,000, mari yako inokosha ye $ 25,000. Nhamba yakakosha kune mumwe munhu yakafanana neyomuridzi wekodzero yebhizimisi.
Ichocho, ndiko kusiyana pakati pebhizimisi mari uye zvikwereti; chiyero chebhizimisi chaiva nemuridzi. Mune bhizinesi, gwaro iri rinonzi bhaariji .
Cherechedza kuti zvikwereti hazviratidze pane zvinyorwa zvemari, nokuti hapana hutungamiri.
Kubhadhara imba kana kukodhara motokari kunobhadhara mari yemwedzi, asi hauna zvinhu izvi, saka hazviwanikwi pane chirevo ichi.
Chii Chinonzi Personal Financial Statement Chingaita?
Idzimiro yehutatimende rezvemari ndeyehutano. Inoratidza zvinhu kune zvakasara uye zvikwereti kurudyi.
Nhamba inokosha inoratidzwawo kurudyi, kuti ienzanise equation.
Ndeipi Ini Ndichida Nyaya Yezvemari?
Kana uri kugovera chirongwa chebhizimisi kana chikumbiro chemari yebhizimisi kumunhu anokweretesa, vangangobvunza chikumbiro chemari. Muzviitiko zvakawanda, iwe unogona kukumbirwa kupa mvumo yako pachako kune chikamu chechikwereti, kana iwe unogona kutora zvimwe zvepfuma yako kuti uwane chikwereti. Dzimwe nguva izvi zvinonzi chikwereti chezvikwereti.
Imwe nyanzvi yezvemari ichadikanwa kuitira kuti anokweretesa aone kana iwe une zvinhu zvakakwana uye zvipi zvezvinhu zvaunazvo. Somuenzaniso, kana uri kubhadhara mari (sezvinoitwa IRA kana 401k), bhangi ichada kuziva chiyero chekutsvaga uye kwairi kuchengetwa.
Ndinogadzirira Sei Nyaya Yezvemari?
Kutanga, tanga kuunganidza ruzivo pamusoro pezvinhu uye zvikwereti. Izvo zvematongerwo emitemo zvinoratidza zvinhu uye zvikwereti uye hazvina kukodzera pane imwe nzvimbo panguva, naizvozvo ingogadzirira chigwaro nemashoko ekupedzisira pane zvaunako. Anopa chikwereti chako anonzwisisa kuti humwe huno ruzivo huri kuchinja sezvaunofamba nezvekuita zvekutengeserana kwako (kubhadhara mari, somuenzaniso). Uye utsvaga hutsika hunoshandura pane nguva zvakare.
Kana usina chokwadi nezvehuwandu hwezvinhu, ita zvose zvaunokwanisa kuwana chimiro chakanaka. Kana uyo anopa chikwereti achida kushandisa pfuma yevimbiso kune chikwereti chako chemabhizimisi, vachaita kuongorora.
Sezvo chikamu chekugadzirira kwako kupa chirongwa chako chebhizimisi, iwe unofanirwa kuendesa mhiko yakazara yekwereti iwe pachako, nokuti mupepeti achaita izvi. Izvi zvinoreva kusawana chete FICO chikamu, asi mushumo unoratidza zvinyorwa.
Mamwe mashoko pamusoro pezvinhu izvi uye zvikwereti: Chii chaunosanganisira uye chisiri chekuisa.
- Cash mune chekuongorora kana kuti gwaro rekuchengeta. Iko kuenzanirana kwemazuva ano kwakanaka, sezvo idzi nhamba dzinogara dziri kuchinja.
- IRA, 401k, kana imwe nhoroondo yekurega .
- Mamwe mareji ekubhadhara , achiratidza huwandu hwekupedzisira.
- Ikopi yeshoko rekupedzisira pamusoro peimba yako yekutengesa, nebhadha iripo. Kuti uwane chikwereti, unogonawo kuongorora kuchangobva kuongorora .
- Ikopi yemashoko ekupedzisira pamusoro pemari yako yemotokari, chikwereti chechikepe, nezvimwe zvikwereti.
- Usasanganisira midziyo yeimba nemidziyo seimba yako pachako. Zvinhu izvi hazvina kukosha kune anokweretesa nokuti haagoni kutengeswa kuti atore chikwereti.
- Iwe unogona kusanganisira zvinhu zvakakosha zvepfuma yako pachako kana iine kukosha kunokosha uye iwe unogona kuongorora kukosha nehuongorori. Somuenzaniso, kusanganisira antiques kana zvishongo zvingave zvakakodzera.
- Itaiwo kadhi rechikwereti chikwereti muzvikwereti. Chaizvoizvo, sanganisira chero chikwereti chinogona kuratidza pamushumo wechikwereti.
- Itai chero chikwereti chamunobatana pamwe chete nemumwe munhu (anonzi "mutoro unokonzera." Somuenzaniso, kana iwe uri mubati wechikwereti chikwereti nemumwe munhu, iva nechokwadi chekuisa icho mumushumo.
- Kana iwe uchikwereta mari kubva kutongwa kuduku kwekutongwa kana imwe sangano kana kutonga, sanganisira izvi; ivo ndezvenhoroondo dzevanhu. Uyo anokweretesa angangotarisa marekodhi ematare kuti aone kana une zvikwereti zvakakosha.
- Kana iwe usina kubhadhara mitero kubva kumakore akapfuura, mari iyi inofanira kuiswa. Iyi mitero inosanganisira mitero yehurumende uye yehurumende yemitero uye chero ipi zvayo yemabhizimisi emitero , iyo iwe iwe pachako une mhosva.
- Uyu anokweretesa angave achida kuziva nzvimbo yako yekuwana mari (ona fomu yeSBA pasi apa). Ndiyo pfungwa yakanaka kunyora ruzivo urwu, uye kukwanisa kuratidza mari kuburikidza neongororo yako yekuongorora kana bhizinesi chekuona kero .
The Small Business Administration (SBA) ine shanduro yemari yemari yako yaungashandisa. Iyi fomu ichakubatsira iwe kuve nechokwadi kuti hauna kupotsa chero chinhu
Paunenge wapinda mazano ose pamusoro pezvinhu uye zvikwereti, chinhu chekupedzisira chaunofanira kuita ndeko kuverenga mumatare ako akakodzera. Kana iwe usina unhu husina kunaka (iwe unokwereta kupfuura iwe pachako), zvive saizvozvo. Usaedza kuchinja gwaro racho nekubvisa zvikwereti kana kupfuura-kuongorora zvinhu. Ingoita kuti zvive zvazviri.
Chii Chinonyanya Kukosha Kuyeuka NezveMunhu Wezvemari?
Iyi nheyo ndeye gwaro rinonyora rinonyora zvinhu zvaunazvo uye zvinhu zvaunokwereta, asi uyo anopa chikwereti achadawo zvinyorwa zvevhudzi nemhosva. Somuenzaniso, kana iwe une imba yekubhadhara mari, uyo anokweretesa angada kuongorora pamba uye chirevo chinoratidza chikamu chakanga chiri chikwereti pane chikwereti.
Kana iwe uchifunga kuti iwe uchada kugadzirisa purogiramu yako yezvemari, iva nechokwadi kuti iwe unewo zvinyorwa zvinotsigira zvakagadzirirwa kugoverana nemutengi. Izvi zvichaita kuti mvumo yekukwereta ive nyore uye nokukurumidza.
Pakupedzisira, iva nechokwadi chekutendeseka, wakakwana, uye wakarurama paunenge uchigadzira uye uchipa hurukuro yako yezvemari. Kana iwe ukatarisa mudhipatimendi wematongerwo emari yeSBA, uchaona kuti "Kuziva zvinyorwa zvenhema pamutemo uyu ndiko kupesana kweMutemo weBritain ..." uye kutaura zvenhema kuti mari yako pachako kubhengi inogona kunge yakangokuvadza.