Zviri nyore kuti kadhi rechikwereti chikwereti kuti urege kubviswa. Rimwe zuva uri kufara kushambadzira kadhi rako rechikwereti, kutenga zvinhu zvawagara uchitsvaga, kutora maitiro kune dzimwe nguva wave uchida kushanyira. Chinhu chinotevera iwe unoziva makadhi ako ose akaiswa kunze uye haukwanise kurangarira kuti zvakaitika sei.
Ndiro Chikwereti Chako Chekwereti Chekubhadharisa Kubhadhara?
Hapana chiyero chokukuzivisa iwe kana chikwereti chako chekwereti chikwereti chiri kubuda kunze kwekutonga.
Makadhi ako ekadhi rechikwereti haazokuyambira kuti zviyero zvako zvinopfuura iwe unogona kubhadhara. Pane kudaro, zviri kwauri kuti uone kutarisa zviratidzo izvi gumi zvinoratidza kuti chikwereti chako hachigoni kutariswa:
1. Makadhi ako akaiswa kunze kana kupfuura chikamu chemari . Maxed makadhi emakwereti chiratidzo chokuti hauna kuripa chikwereti chako chakazara mwedzi mumwe nomumwe. Nhamba dzakawanda dzinokonzerwa nemakadhi emakwereti zvinongobatanidza dambudziko racho, zvichiita kuti zvive zvakaoma kubhadhara zviyero zvekadhi rako rechikwereti. Uye kana iwe usina mari yekukurumidzira, iwe wakasara usina chekushandisa mari yekudaidzira.
2. Iwe haugoni kubhadhara chero chinhu kunze kwekubhadharwa zvishoma . Nhamba chaiyo ye chikwereti chinokosha se "kunze kwekutonga" ichasiyana kubva kune mumwe munhu zvichienderana nekukwanisa kwavo kubhadhara. Chiratidzo chechokwadi chokuti chikwereti chako hachisi chekutonga chiri kukwanisa kubhadhara chete zvishoma pamakadhi ako ekwereti. Mari shoma shoma ndiyo mari yakaderera zvikuru iwe unogona kuripa pane yako kadhi rechikwereti uye chengeta nhoroondo yako mukumira kwakanaka.
Kana iwe usingakwanisi kubhadhara kupfuura izvo uye iwe uchiri kushandisa makadhi ako ekwereti, chikwereti chako chiri kuramba chiri kuwedzera mwedzi mumwe nomumwe.
3. Unonoka kana kurashikirwa . Kana kambiso yako shoma isingagadziriswi, uri mukutambudzika. Usina kukwereta kadhi rechikwereti kungoita kuti mamiriro ako ekadhi rechikwere awedzere. Kuteerera kwemazuva mashoma kuwedzera mari yaunofanira kubhadhara kuti ubatwe kumusoro uye unobata zvakaipa pane yako chikwereti chikamu.
Nenguva yaunosuwa mari mbiri, chikwereti chako chinowedzera uye kubata hazviitiki. Nguva iyo inotanga kuoma zvakaoma kuti uite chikwereti chako chakanaka ndechekuti iwe unotanga kutanga kuita shanduko huru kumakadhi ako ekadhi rechikwereti.
4. Uri kubhadhara makadhi ako ekwereti nemamwe marudzi emakwereti . Kana uri kushandisa mari yekufambira mberi, kudzokorora kushandiswa kwemari, kubhadhara zvikwereti kana chero imwe yemhando yekwereti kubhadhara makadhi ako, iwe uri mumatambudziko makuru. Hausi kungoita kuti iwe upi zvake uende mberi uchibhadhara chikwereti chako chemakadhi, uri kusika chikwereti chikuru nekukwereta mari kuti urambe uchiwedzera.
5. Uri kushandisa makadhi emakadhi nekuda kwezvinodiwa uye zuva nezuva . Kuva nekushandisa yako kadhi rechikwereti kunotenga nguva dzose chiratidzo chokuti, kwete chete kadhi rako rekwereti chikwereti kunze kwekutonga, chiratidzo chekuwedzera kwematambudziko emari. Kana iwe uchiramba uchishandisa makadhi ako ekwereti kutengesa nguva dzose-uye haisi chikamu chegadziriro yekuwana mari yakawanda yemakadhi echikwereti-iwe pachako uchapedza chikwereti chiripo. Iwe unofanirwa kuita shanduko huru kuti urege kudzikira zvachose mune chikwereti.
6. Mari yako yechikwereti inotanga kudonha . Chikwereti chikoro chinoshandiswa kuenzanisa chikwereti chako-kana kuti zvingave sei kuti iwe uchasara pane zvaunotora chikwereti uye zvinotora chikwereti.
Nhamba ye chikwereti chauri kutakura (yakaenzaniswa nemari yako chikwereti) ndeye 30% yemari yako chikwereti.
Kana chikwereti chako chikoro chiri kuwira kunyange iwe uri kutora chikwereti chako nenguva iyo mwedzi wose, zvinoratidza kuti kukura kwako kadhi rechikwereti kwakaipa kudarika zvaunotarisira. Kana iwe usingakwanisi kuwana chikwereti chekwereti chakasununguka nekutaurira kadhi rako rechikwereti mwedzi wega wega, unogona kutarisa chikwereti chako chekwereti kune rusununguko asi CreditKarma.com, CreditSesame.com, uye Quizzle.com.
7. Zvitsva zvako zvitsva zvinorambidzwa . Kadhi kadikiti vanogona kukwanisa kufanotaura kuti chikwereti chako chekwereti chikwereti chiri kunze kwekutonga kunyange usati waita. Mushure mekunge wakaramba kushandisa kadhi rechikwereti , chengetedza tsamba yako tsamba kubva kune kadhi rechikwereti rinotsanangura kuti nei wakarambwa. Kana chikwereti chako kana chikwereti chekwereti chekwereti chiri chimwe chezvikonzero, chiratidzo chokuti unoda kubhadhara mari yako uye kutanga kutarisa chikwereti chako zvisati zvawedzera.
8. Iwe uri kuviga chikwereti chako- kubva kune iwe kana kune wako. Kunzwa sokuti une chimwe chinhu chokuvanza chiratidzo chokuti zvinhu hazvina kunaka. Kana iwe usati uzarura zvinyorwa zvako zvekadhi rechikwereti nokuti haudi kutarisana nezviyero zvako kana uri kubuda panzira yako kuti uchengetedze mumwe wako kuti asaziva nezvechikwereti chako, iwe unogona kuva nezvikwereti kupfuura iwe unogona kubata .
9. Haugoni kuchengetedza mari nokuti une chikwereti chakawanda . Mari yakawanda yaunoshandisa pane chikwereti chako, zvishoma iwe unayo kune zvimwe zvinhu-sekuchengeta mari. Pasina kukwanisa kuchengetedza, somuenzaniso mune imwe nhamo, unogona kutanga uchinge uwedzere chikwereti kuti ubudise mune mari.
10. Unonetseka nezvekuti iwe uchabhadhara sei makadhi ako ekwereti . Kana iwe uchinzwa sokuti kadhi rako rechikwereti chikwereti raive pasi pesimba, iwe haungazovi nehanya nazvo. Zvisinei, kushungurudza pamusoro pekwereti yako kadhi rechikwereti chiratidzo chokuti hazvibviri kudzora. Usafungidzira kuti iwe hauna kunyanya kuomeswa pamusoro pekwereti chako iwe wakachengeteka. Zvinogona kunge iwe uri kukanganisa chikwereti chako kana mukuramba pamusoro pekuti zvakaipa zvakadini chaizvoizvo.
Nzira 7 Kuti Uwane Chikwereti Chako Chekwereti Chakanyatsochengetedzwa
Kana uchinge waona kadhi rako rechikwereti chikwereti chiri kunze kwekutonga, rinova mutoro wako kuita chimwe chinhu pamusoro payo pakarepo. Kuregeredza kukwirira kwekadhi rechikwereti chako chikwereti kunongoita kuti zvive zvakanyanya kuoma uye zvakaoma kubata nazvo kana iwe pakupedzisira uchisarudza kuchinja zvimwe:
1. Rega kushandisa mari . Kana uchinge waona chikwereti chako chiri kunze kwekutonga kana kubuda kunze kwekutonga, chinhu chekutanga chaunofanira kuita ndeche kushandisa makadhi ako ekwereti . Chero chero chimwe chikwereti chekwereti chekwereti chichaita kuti kadhi rako rechikwereti chikwereti chiwedzere Zvikuru zviyero zvako ndezvazvo, zvakaoma kuti vazove vachibhadhara.
2. Cheka makadhi ako ekwereti . Kana iwe usati wakarangwa zvakakwana kuti urege kushandisa kadhi rako rechikwereti, ita kuti zvive zvakaoma iwe pachako. Dzvora makadhi ako uye urasire zvidimbu. Iwe unogona kuenda nhanho mberi nekuvhara zvikwereti zvako zvachose kana izvozvo zvinotora kurega kushandisa kadhi yako kadhikiti.
3. Tora kuongororwa kwemari yako . Wana kunzwisisa zvakajeka kuti iwe unokwereta zvakadini uye iwe unokwereta. Ita rondedzero yemakadhi ako emakadhi, chikwereti chechido, chikamu, uye ikozvino kuripo kwebhadharo. Kana nyaya idzi dzapera, nyora pasi mari yaunofanira kubhadhara kuti ubate. Kunyange zvazvo urongwa hungave hunotyisa, unogona kuita zvisarudzo zviri nani pamusoro pechikwereti chako nezvose zvese zviri mberi kwako.
4. Rondedzera kuti iwe unogona kubhadhara sei kune chikwereti chako mwedzi mumwe nomumwe . Ongorora mari yako uye mari yako kuti uone zvaunogona kubvisa kubva kubhadharo yako kuti utange kubhadhara chikwereti chako chekwereti chikwereti. Iwe unofanirwa kuita shanduko huru kumashandisi ako kuti uwane mari yekushandisa mari yako yekubhadhara uye kubhadhara chikwereti chako.
5. Rega kushandisa mari yakawedzerwa . Wakave nenguva yakanaka kubvisa kadhi rechikwereti chekwereti, ikozvino yava nguva yekuwana zvakakomba nezvemari yako. Chengetedza kushandiswa kwekuvaraidza uye funga kutenga chete zvinhu zvaunoda. Zvinogona kuva chibayiro chinorwadza pakutanga, asi iwe unogona kugadzirisa. Yeuka chikonzero chauri kuita kuchinja uku ndechekuvandudza mari yako uye unoita ramangwana rakachengeteka iwe pachako.
6. Sarudza kadhi rechikwereti uye ubhadhe kupfuura zvishoma . Kunyange zvazvo mugumo unopedzisira kuribhadharira kadhi yako yemakadhi, kuedza kuvabhadhara pane vose panguva imwe chete haisi nzira yakanakisisa. Pane kudaro, funga kubhadhara mari yako makadhi kamwechete panguva. Iwe unogona kutanga nemumwe ane chikwata chakanaka, chiyero chepamusoro, chikero chakaderera, kana chero imwe kadhi yaungada kubvisa. Zvinonyanya kukosha ndechokuti iwe unosarudza kadhi uye unoshandisa huwandu hwemari yako yakawanda kubhadhara kubva pachiyero ichocho. Sezvaunobhadhara imwe kadhi rechikwereti, sarudza mumwe kuti atarise kusvikira vese vabhadharwa.
Shandisa chikwereti chekubhadhara kadhi rechikwereti kuti ikubatsire kutsvaga nzira yakanakisisa yekubhadhara chikwereti chako uye uwane pfungwa yekuti iwe pakupedzisira ungazobhadhara sei makadhi ako ekwereti.
7. Edza kuchengetedza mari muchibereko . Kana uchiri nekodzero yakaisvonaka, iwe unogona kuchengetedza mari kune chido nekukumbira kadhi yako yechikwereti kwechikwata chechibereko chepasi kana kushandisa uchishandisa 0% kuwedzerwa kushandiswa.
Unofunga Kuti Unopika Kubhadhara Makadhi Makadhi Here?
Mushure mokurwa nekadhi kadhi rechikwereti, vanhu vakawanda vanosarudza kusamboshandisa makadhi emakadhi zvakare. Ramba uchifunga kuti makadhi ekwereti haasi akaipa-ndiyo nzira yaunoshandisa makadhi emakwereti anogona kukuita iwe mumatambudziko. Kusava nekadhi rechikwereti kunogona kuita zvimwe zvinhu, kufanana nekubhadhara motokari, zvishoma zvakasimba. Hezvino izvo zvaunogona kuita kuti usapinda muchechi kadhi rechikwereti.
Shandisa chete zvaunokwanisa kubhadhara mumwedzi . Dzivisa kushandisa kadhi rako rechikwereti sechinzvimbo chekuwana mari. Kana iwe usingakwanisi kutenga chimwe chinhu mune mari, iwe haugone kutenga iyo, kwete kunyange nekadhi rechikwereti.
Bhara bhadha yako yakazara mwedzi mumwe nomumwe . Kana ukangotarisa kushandisa mari yaunogona kubhadhara mumwedzi, unogona kubhadhara bhaari yako mwedzi mumwe nomumwe. Iyi ndiyo nzira chete yekuchengetedza makadhi ako ekwereti ari kutungamirirwa uye kudzivisa kadhi rechikwereti chikwereti.
Kana, nokuda kwechimwe chikonzero, unonzwa kuti hauna kurangwa zvakakwana kuti uite mitemo iyi, zviri nani kusava nekadhi rechikwereti. Kadhi yebhadharo kana kadhi yakabhadharwa ichakubvumira kuti iwe uite zvinhu zvakafanana zvaunogona kuita nekadhi rechikwereti usina kupinda mune chikwereti.