10% ya malipiro anu apachaka: mtengo womwe simuyenera kupitilira mukamagula galimoto

Mu 2020, mtengo wapakati wagalimoto yatsopano ku US ndi $ 38,900, ndipo mtengowu akuti udakwera ndi 5% mu 2021. kuchokera ku USA Today ndi Statista)

Chimodzi mwazinthu zofunika kwambiri zomwe muyenera kuziganizira pogula galimoto ndikugwira ntchito kwake komanso kulimba kwake, osati mawonekedwe ake kapena kwatsopano. Ngati simuli wokhometsa magalimoto, lamuloli lidzakuthandizani kusankha mwanzeru zomwe zingakubweretsereni phindu lalikulu lazachuma m'kupita kwanthawi.

M'lingaliro limeneli, tikhoza kukuuzani kuti pali malamulo a 4 (omwe aperekedwa ndi Money Under 30) omwe, akagwiritsidwa ntchito, angakuthandizeni kukhala ndi ndalama zambiri mu akaunti yanu ya banki pamene mukusangalala ndi galimoto yomwe imakulolani kuti mukhale ndi ufulu wodzilamulira. Miyezo iyi ndi: 

1- Lamulo lapadziko lonse: 35% ya malipiro anu apachaka

Kusunga ndalama zanu nthawi zambiri ndi chinthu chovuta, koma chofunikira kwambiri, pamenepa tikukulimbikitsani kuti muwerengere pakati pa 30 ndi 35% yamalipiro anu apachaka pamalipiro onse agalimoto. Mwachitsanzo, ngati malipiro anu apachaka ndi US$75,000 - 26,000, tikukulimbikitsani kuti muikepo galimoto yomwe imawononga ndalama zosaposa US$. 

Lamuloli litha kusiyanasiyana kutengera kuchuluka kwa zosowa ndikugwiritsa ntchito komwe mumapereka galimoto yanu. Ngati iyi ndiye gwero lanu lalikulu la ndalama chifukwa ndinu munthu wonyamula katundu kapena woyendetsa taxi, ndiye kuti kungakhale kwanzeru kukulitsa bajeti yanu.

Kumbali inayi, ndikofunika kuzindikira kuti kufufuza mtengo wa galimoto yogwiritsidwa ntchito musanagule yatsopano kungakupulumutseninso madola zikwi zingapo.

2- Lamulo lothandiza kwambiri: 10% ya malipiro anu apachaka

Mukayika 10% yokha ya ndalama zomwe mumapeza pachaka m'galimoto yomwe mumayendetsa, mutha kumasula malo ochulukirapo pazinthu zina zofananira. Kumbali ina, datum iyi imagwiritsidwa ntchito kwambiri ndi ophunzira omwe amaika zofunikira kuposa china chilichonse.

Ngati mumagwiritsa ntchito lamuloli pamodzi ndi kufufuza, ndiye kuti pamapeto pake mu moyo wanu wachuma.

3- Avereji ya malipiro: 20% ya malipiro anu apachaka.

Kutengera ndi vuto lanu komanso zosowa zanu makamaka, zitha kukhala kuti kuyika ndalama zochulukirapo pogulira galimoto yatsopano kunali kotsika mtengo kuposa kugula galimoto yogwiritsidwa ntchito mtunda wautali, yomwe ingakhale ndalama zambiri zogulira mtsogolo.

Pankhaniyi, mwanjira iyi mutha kupeza chopereka chabwino kwambiri pamtengo wabwino kwambiri.

Tikukhulupirira kuti malangizowa akhala othandiza pakusintha moyo wanu watsiku ndi tsiku komanso kupanga ndalama zambiri muakaunti yanu yakubanki.

Ndikofunika kudziwa kuti mitengo yonse yamagalimoto yosinthika yomwe yafotokozedwa m'mawuwa ili ku dollar yaku US.

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