Zvinyorwa 10 Zvinhu Zvaunogona Kuita Mazuva Ano Kuvandudza Chikwereti Chako Chakwereta chakakupa zvinhu gumi zvaungaita kuti urere chikwereti chako. Zvimwe zvinhu zvaunoita hazvizove zvakakonzera zvakakwana chikwereti chako chikoro, asi pane kudaro, ivo vanofananidza kune imwe danho ichabatsira chikwereti chekwereti. Heano pane dzimwe nzira gumi iwe unogona kuvandudza chikwereti chako.
01 Tora kadhi rechikwereti.
Zvakaoma kuvandudza chikwereti chako chikoro pasina ruzivo rwakanaka pamusoro pehupoti yako yekwereti. Kana iwe wakanga uine dambudziko pakuwana mvumo, tsvaga kadhi rechikwereti rechikwereti chakaipa kana kuwana kadhi rechikwereti rakachengetedzwa . Chenjerera, kana iwe uchitova nekodhadhi dzakawanda dzisingagoni kubata, usatora kadhi kadhi rechikwereti kusvikira mabhuku ako ezvino ari pasi pekutonga.
02 Borrow chikwereti chikwereti chikwereti.
Zvimwe zvikwereti zvekwereti zvinopa chigadzirwa chinonzi chikwereti chikwereti chikwereti. Iko iwe unokwereta inowanikwa munhoroondo yekuchengetedza uye inoshanda sechikwereti chemari. Iwe unobhadhara mari pamwedzi pamubhadhara uye kana uchibhadharwa zvakakwana, mari iri mubhuku rekuchengetedza, pamwe nemari inowanikwa, ndeyako yekuchengeta. Panguva ino, chikwereti chekodzero inobhadhara chikwereti chako pamwedzi kune chikwereti chemarikiti.
03 Chengetedza chikamu chakaswedera pedyo nemuganhu.
Kushandiswa kwako kwekwereti - mari yako yakawanda iripo iri kushandiswa - ndeye 30% yemari yako chikwereti. Izvo zvaunowedzera zvikwereti zvako kune chikwereti chako chechikwereti, chakanyanya kuipa kune chikwereti chako. Kana iwe uine chepfu-mari yemari iwe unogona kushandisa kuti ubhadhe pane imwe nhoroondo, iise kune yakakwirira. (Kana iwe unofanirwa kusarudza pakati pekubhadhara chikwereti chakadarika chakanga chisati chabhadharwa kana kubhadhara chikwereti, kuripa chikwereti chakafanira.)
04 Chengetedza zvikwereti zvose zvekadhi rechikwereti kusvika kune 10% yemuganhu.
Dzokororai makadhi ako kadhi rechikwereti uye ubhadhe pasi chikamu chero chipi zvacho chiri pamusoro pe10% yemuganhu (30% yemiganhu yakanaka, asi 10% yakanaka). Somuenzaniso, kana iwe uine kambani ne $ 1,000 chikwereti chikwereti uye $ 700 muyero, iyo nhoroondo inofanira kubhadharwa pasi.
05 Tumira tsamba yekunaka kune munhu ane chikwereti.
Kana uine mafare asina kunaka akatoti abhadhara, bvunza chikwereti kuti abvise kambani sechinhu chakanaka. Inobatsira kana iwe ukwanisa kuwana zita uye kero imwe yeumwe munhu pane kambani yekadhi rechikwereti pane kutumira tsamba kune kero yakawanda yekadhi.
06 Kumbira munhu akatora chikwereti kuti abvise kambani kuti awane mari.
Kana iwe uchikwanisa kubhadhara chikwereti chekare chakakosha kana kukonzerwa kwekodhi yakazara, bvunza chikwereti kuti abvise kambani kubva kumushumo wekwereti yako mukutengesa kubhadhara. Izvi zvinonzi " kubhadhara kubvisa ." Kana iyo nhoroondo ichiri kuzaruka, mukwereti angabvumirana kuti azvidzore zvakare. Iva nehanya kana iwe uchikumbira izvi zvakanaka uye usatsamwira kana uyo ane chikwereti achiramba.
07 Dzokorora dare rekare chikwereti mari.
Nyaya yakawanda yeruzivo inogona kungotaurirwa kwemakore manomwe chete. Zvinhu zvakakura kupfuura makore manomwe zvingasazopera zvachose. Iwe unogona kushandisa chikwereti chekwereti gakava kuti uve nezvinhu zvakwegura, zvisina kunaka zvakabviswa kubva kumugumo wemari yako . Cherechedza kuti Chitsauko 7 kupedzisira kunogona kuramba uri pamushumo wekwereti kwemakore gumi. MuCalifornia, mitero yemitero (yakabhadharwa kana isina kubhadharwa) inogona kuziviswa kwemakore gumi.
08 Itai zvose zvamunotora nguva dzose.
Bhadhara zvishoma pane zvinyorwa pazvose zvinyorwa zvako, kunyange izvo zvisati zviri pamushumo wechikwereti chako. Chero chenguva yakatarwa yakakwana inogona kukuvadza chikwereti chako kana yakatumirwa kusangano rinounganidza , iro rinowanzotaurira maakaiti kubhadhara rechikwereti. Dzakawanda dzinokuvadza chikwereti chako zvishoma kana vachikwegura kuitira kuti vatsigire kare maitiro ekukwegura kuburikidza nekushaya kadhi rechikwereti kana kubhadhara chikwereti.
09 Chikumbiro chekugadzirisa kwekambani yekuunganidza.
Vateresi vatokari vanofanira kuongorora zvikwereti zvenyu kana iwe ukaita chikumbiro mukati memazuva makumi matatu kubva pamba foni kana tsamba. Mushure mokunge sangano rinounganidza rinogamuchira chikumbiro chako chekugadzirisa, havagone kuwedzera chikwereti pamushumo wekwereti yako kusvikira watumirwa uchapupu hwokuti sangano rekuunganidza rinogona kuunganidza pane chikwereti. Izvi zvingava kungogadzirisa kwenguva pfupi, sezvo sangano rekuunganidza rinogona kureva chikwereti chako kana vakagadzirisa chikwereti.
10 Chengetedza chikwereti chako chikamu chezano rakananga.
Paunotarisa chikwereti chako chikwereti kuburikidza neWebsiteKarma.com (yakasununguka) kana kuti myFICO.com (kuribhadharira kana kusainira muedzo wepachena), uchawana pfupiso yezvinhu zvinokuvadza zvakanyanya chikwereti chako chekwereti . Zvose izvi dzine simulator dzinoratidza kuti chikwata chenyu chinogona kuchinja sei zvichienderana nezviito.