Hea ki te tiki moni mō ngā hiahia akiaki?

Tino maha e fehangahangai iwi ki te raruraru o te hiahia mo te nui etahi o te moni mo nga hiahia akiaki o te ru. Ahakoa, ki te mea kua ora tonu te tangata i roto i to tatou tikanga, te taniwha i tatou ki te ui i te uiraa, "Me wawe tatou moni, i reira ki te tiki?". Hei tauira, e whakawarea ana te tangata utu, a mo te fare utua ranei me utua he taurewa tonu. Ranei te tamaiti mate, i aroha tetahi, wahia te motokā iho, a kahore he mea e taea ki te tiki ki te mahi i nga ra ki te tukua te whānau ki te kura, kindergarten, me te mahi.

Kōwhiringa i runga i te āhua o me te wahi ki te tiki i te moni i te torutoru. Ko te tino noa, me te waia o ratou - e ui whanaunga me hoa. Ki te whai tonu ratou moni noa, me te e hari ki te āwhina i nga wa katoa - pai, no te mea, te tuatahi o te katoa, e taea te whakaaro taua āwhina taurewa beprotsentnym, a tuarua, kei a koutou i roto i te waimarie ki te taiao tata me te tautoko.

Ko te kōwhiringa tuarua - ki te whakamahi i te ratonga o pānuitanga kaituhi 'rite "taurewa Tere kahore tiwhikete," "Money he katoa," "Credit mō te rima meneti," me pera i runga i. E mea ohie - haere mai ki te uruwhenua, whakarite i te taurewa, tonu haere atu ki te moni. Ngā tere moroiti-nama i roto i te nui o te taurewa (i te 20 ki te 100 mano moni) me te auau tiketike (e pā ana ki 700% ia tau, 1-3% ia ra ranei). Ko e tukuna enei taurewa mo te rua ranei marama, no te mea e kore e kore nama haupapa whakaae ki te utu pera nui. whaina me whiu mo te mutunga utu o te pūnaha taurewa ko fifi mau, kia e taea e ngaro te kiritaki.

Ko te whakahoki e whai ake nei ki te pātai   e pā ana ki te wahi ki te tango i te moni - te reira tere loans pareparenga. pupuri pūtahi Credit hoki arataki ki te wa, me te whakauru i ngā hua taurewa hou. Ki te reira te mea he tono mo loans tere, he aha e kore e tangohia painga, me te kore ki te hopu i runga i tenei? Ka Me koe he uruwhenua anake, me 20-30 meneti o to koutou wa. Ko te whakaaro o te taurewa, e kore te mea nui te nui o to koutou moni, e kore e te moni tāpui hiahiatia. O te akoranga, te pēke faaite te mōrea o te taunoa i runga i loans nohopuku, na nga reiti ki runga ki a ratou he nui teitei rite whakaritea ki ngā hua kiritaki.

Ano, ki te kahore koutou e matau ki te wahi ki te tiki i te moni, ka taea e koe te whakauru i te uniana nama (ranei ētahi nama). Te mau melo o enei whakahaere tahi ki te whakatutuki i ō rātou hiahia pūtea me ngā raruraru, oroko tangata he moni tāpui, kumea te tangata he taurewa. Pea ki te riro i te pūtea tārewa i roto i te uniana taua ka rapua e te tauākī moni. Ko te tikanga iti te nui taurewa. rerekē whakaaro loans: mātauranga, maimoatanga, hararei, te hoko i te motokā, whare, mahi pūtea whakapaipai ki kaipakihi. E tano ia tapao i te "tangata" huru atu ki ngā kaitono e i roto i ngā uniana nama. Ki te whakatupato i roto i mua, me te whakamārama i te take, ko reira pea e koe "tika" roa me whaina kohia me whiu (ki te, o te akoranga, e kore e kino te whakawhirinaki).

Hoki ki te hunga iwi e hiahia ana i te ra ano te tiki i te moni atawhai, i reira he toa kurumetometo. Ēnei whakahaere tiaki e pā ana ki te hītori nama, te nui o te moni, wheako mahi, me te tau, kia rite ki te roa rite te nama i te uruwhenua me ngā tuhinga i runga i te utu. I roto i tenei kaha, i whakaputaina reira te taonga tino kanorau - rei, cars, hoko whare, whenua, hua huruhuru, waea pūkoro, rorohiko, me papa mataaratanga Swiss. Ko te auau huamoni i runga i taurewa hei utu reiti nui teitei i runga i pareparenga loans , tei runga i tere hei utu, pae i 0.5% ki te 2% ia ra.

Hea ki te tiki moni, me pehea ki te tiki i roto i o tarahu, whakatau koe. Me ratou ki kia hoki mai, me te utu mo te whakamahi o te moni o te tahi atu iwi, ko te tino nui, kia pea kia whakaaro koutou e pā ana ki te stash "hiahia akiaki" te tiki i te kāri nama ranei. Ko te kōwhiringa whakamutunga tino watea, me te pai no te mea e taea te utu i te reira atu tata katoa nga toa, e kore te mea tiketike rawa (18% pa) i te auau huamoni, maha pareparenga whakahere maitai wā huamoni-free ki te whakamahi i te moni (i runga i toharite - ki runga ki te 50 ra). I tua atu, whakamahia te kāri nama te rite hiahiatia, anake utu koutou mo te hoko tūturu hanga, ahakoa o te rohe e wātea ana. Ki te kore e whai ki te heruraa i rapu mo te whakahoki ki te pātai o te wahi ki te tiki i te moni wawe, whakapaipai koutou pūtea whaiaro ranei te utuafare, me te kia rite hoki utu ohorere.