MariPersonal Finance

Muhoro mambure uye kwakakomba - zviri pezvemakuriro?

At job uye nokubvunzurudza, kunyanya kana iri kutanga basa ruzivo rwako, iwe uchauya mhiri kudiwa kukurukura mari (ndiro kazhinji mumwe mukuru dzekuziva kuti nzvimbo kusarudzwa). In kukurukura (kana basa rondedzero takaisa pamusoro workhouse nzvimbo) kuchange kuripo pfungwa mbiri - mambure uye zvakakomba. Chii? The zvakawanda zvakasiyana mumwe vaviri zvakafanana kubva akasiyana inonyaradza? Musiyano pakati pavo zvinokosha, uye munyaya ino tichakurukura chii.

Ngatitange pamwe shanduro mazwi aya. In Chirungu, pane pfungwa mambure uye kwakakomba. Chii tsananguro ichi? Wokutanga anoshandura se "dzakanaka", wechipiri - a "vakakwana" kana "nhamba". Sei decipher nayo pachinhu yemberi kwokuripirwa basa rako? Very nyore. Mari mambure - ndiyo mari mushure mitero ndechokuti mari kuti kugamuchira zvakananga maoko enyu kana kadhi. Sezvo zvimwe unoziva, mushandi anofanira kuripa pamwedzi kubva wako mari yomutero 13%. Inonzi mari kana mutero ari oga mari. Kazhinji, pachake, hazvina zvakakodzera kuita, sezvo mari iyi mushandi mazita sangano, uye zvasara (shoma 13%) iri akaripira kunze sezvo mubayiro. Gross - chii ndechokuti kukosha? Uye ichi ndicho chete mujinga umo pachake mari mutero iri rakaramba, kureva kuwanda pamberi mutero. Zvinonzi yakanyorwa basa chibvumirano, asi regai chaizvoizvo kuenda yose nzira muhomwe yako.

Zvakakosha kunzwisisa musiyano pakati zviviri tsika kuenzanisa, chii muhoro chakakomba / mambure inowanika kwenyu nehanya masangano basa. Somuenzaniso, rimwe boka anogona kukupa yakaderera muripo, vamwe - zvishoma richingokura. Asi pedyo kuziva zvinhu rimwe kana rimwe yaizova kuti wokutanga yakashuma mambure muhoro, mumwe - kwakakomba. Izvozvo zvinorevei? Uye chokwadi chokuti pashure-mutero kana yechipiri, pachava kubhadhara chete kana kunyange kudzika (zvichienderana chaizvo mari uye musiyano pakati pavo). Ndokusaka nguva dzose unofanira kuteerera inonyaradza izvi.

Heuno muenzaniso nyore. The sangano "A" akapa iwe mari yakaenzana 85 zviuru rubles, uye "B" - 5 zviuru zvakawanda (kureva 90 000). Muchiitiko chokutanga rinoreva mambure kukosha, rechipiri - kwakakomba. zvino tava kutendeukira kune nyore svomhu. Kuti tizive chaiko muhoro wekambani "B", zvinofanira deducted pazviri uwandu mari mutero:

90000 - 90000 * 0,13 = 78300.

Saka, akaedzwa musiyano muna 5000 rubles, pasina kuziva chii zvakakomba, havazokuoni 6700.

Sezvingatarisirwa, kana musiyano hakusi chinokosha chaizvo (uye mune dzimwe nyaya ipi), unofanira kuteerera zvimwewo. Kana isu kutaura kupfuma, zvinogona zvakasiyana premiums (pamwedzi, Quarterly), kuvapo rechi13 muhoro, bonuses nokuti Implementation kuronga uye vamwe "zvinokurudzira zvikuru" maererano mari. Uyezve, makambani akawanda kupa vashandi vavo dzinoverengeka makomborero, discounts uye zvimwe "chiteyeso." utano inishuwarenzi ichi, uye mukana kushanyira gym centre, pool, mutauro uye zvimwe makosi, uye zvichingodaro.

Zvinokosha zvakaenzana kunzwisisa kuti chadenga mhando muzvinhu kambani, zvikurukuru mune chikwata yako yemberi, kana ichiitwa zviitiko vashandi, kana pane basa nemikana uye sei vari segirazi.

Kazhinji, usati wasarudza apo kundoitora, unofanira kuongorora zvinhu basa kubva kumativi ose. Uye musakanganwa huru muhoro (hazvina basa, mambure kana yakasindimara) - iri rimwe zvinokosha rwokusarudza, asi kwete chete.

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