Chikwereti chako chikamu ndechimwe chezvinhu zvinokosha zvehupenyu hwako hwemari. Mabhangi anoshandisa iyo kusarudza kana angakupa kadhi rechikwereti kana chikwereti. Vamwe vanopa rubatsiro vanoshandisa iyo kuti vaone kana iwe uchifanira kubhadhara kuchengetedza mari. Car inshuwarheni vanotengesa funga nezvekwereti yako purogiramu paunenge uisa inshuwarheni yako. Kunyange zvazvo zvakakosha kuziva kuti zvinhu zvipi zvingakubatsira kuvaka imba yakanaka yechikwereti , iwe unofanirwa kuziva zviito zvinogona kukuvadza chikwereti chako chikwereti. Pano pane 15 kwavari.
01 Kubhadhara Kare
02 Kusabhadhara Pazvose
Kukanganwa zvizere zvikwereti zvemakadhi enyu zvikwereti kupfuura kubhadhara nguva. Mwedzi woga woga unoshushikana kubhadhara kadhi rechikwereti, uri mwedzi umwe uri pedyo nekuita kuti account inotengeswa.
03 Kuva neAkaunti Kupiwa Mhosva
Apo vanokwereta vachifunga kuti hamuzobhadhara zvikwereti zvekadhi rechikwereti zvachose, vanobhadhara kero yako. Iyi nhoroondo yehuwandu ndeimwe yezvinhu zvakashata zvekwereti yako.
04 Kuva neAkaunti Yakatumirwa Kumagungano
Vatengi vanowanzoshandisa vatatu vatokwereta vatokari kuti vaedze kubhadhara chikwereti kubva kwamuri. Vanhu vane chikwereti vanogona kutumira nhauri yako kuzvikoro kare kana mushure mekunge uchitengesa. Chiitiko chekuunganidza chinoratidza kuti uyo akakwereta akakanda kuedza kukubhadhara kubva kwauri uye akabhadhara mumwe munhu kuti aite.
05 Kusiyana Nekubhadhara
Mari yechikwereti chakafanana nemari yekubhadhara kadhi rechikwereti . A default inoratidza kuti iwe hauna kuzadzisa kuguma kwako kwekontrakiti yezvikwereti.
06 Kudhinda Bankruptcy
Kuparara kuchaparadza purogiramu yako chikwereti. Iyoyo pfungwa yakanaka yekutsvaga dzimwe nzira, sevashandi vechikwereti kupa mazano , vasati vanyora mari .
07 Kuva Neimba Yako Yakafanotaurwa
Kubva kumashure paunotora chikwereti chako kunotungamirira wako chikwereti kuenda mberi kwako kumba kwako. Nekudaro, kubhadhara kunono kuchakuvadza chikwereti chako uye kuita kuti zvive zvakaoma kuti ugone kugamuchirwa kwekubhadhara chikwereti.
08 Kuwana Kutongwa
Chirango chinokuratidza kuti iwe hauna kungodzivisa zvikwereti zvako, dare raifanira kubatanidzwa kuti iwe uripe chikwereti. Kunyange zvazvo vose vari kukuvadza chikwereti chenyu chikwereti, mutongo wakabhadharwa uri nani pane usina kubhadharwa.
09 High Credit Card Balance
Chechipiri chinonyanya kukosha chikamu chako chekwereti chikamu chekwereti, chakayerwa nechikwereti kushandisa . Kuva nezvikwereti zvekadhi rechikwereti (maererano nechikwereti chako chikwereti ) kunowedzera mari yako yekushandisa nekuderedza chikwereti chako chikoro.
10 Maxed Out Credit Cards
Maxed balance-over-the-limit balance credit card make your credit utilization 100%. Ichi ndicho chakanaka chakanaka chekwereti yako chikoro.
11 Kuchengetedza Makadhi Makadhi Anenge Achiine Mienzaniso
Paunopfigira kadhi rechikwereti iro richiri nechikwereti, chikwereti chako chekwereti chinodonhedzera ku $ 0 apo sara yako iripo. Izvi zvinoita kuti zviratidze sekuti iwe wakaneta chikadhi chako chekwereti, zvichiita kuti chikoro chako chidonhe.
12 Kuvhara Kare Makadhi Makadhi
Chimwe chikamu chekwereti yako chikwereti, 15%, ndiyo urefu hwekwereti yako yekwereti - yakareba chikoro chenhoroondo dzakanaka. Kuvhara kare kare makadhi emakwereti, kunyanya yako yekare kare kare, inoita kuti chikwereti chenhoroondo yako chiite shoma kupfuura chaicho chaizvo.
13 Kuvhara Makadhi Aine Chikwereti Chako
Kana uine kadhi makadhi emakadhi, vamwe vane zviyero uye vamwe vasina, kuvhara makadhi emakadhi pasina zvikwereti kuwedzera chikwereti chako chekushandisa.
14 Kushandisa Kwematareji Makadhi Akawanda kana Mari
Chikwereti kubvunzurudza chikamu che 10% chekwereti yako yechikwereti. Kuita zvikwereti zvikwereti kana zvikwereti munguva shomanana zvichaita kuti chikwereti chako chikwereke. Chengetedza maitiro kune zvishoma.
15 Kuva nekodha kadhi yemakadhi kana kuti zvikwereti chete
Kusanganiswa kwekwereti ndeye 10% yechikwereti chako. Paunenge uine kero imwe chete yekwereti yekwereti, zvikwereti kana makadhi emakwereti, chikwereti chako chikoro chinogona kuchinjwa. Izvi zvinonyanya kuitika kana iwe usina mari yakawanda yemari yechikwereti munhoroondo yako yechikwereti .