2018 Zvisarudzo Zvegore Idzva Pamusoro Pokutenga Kwako uye Kwekwereti

by LaToya Irby

12 Nhepfenyuro Zvisarudzo zveNyika Idzva

Wanga uri kufunga pamusoro pezvaungada kuchinja zveNyika Idzva? Zvisarudzo zvakawanda zveNyika Itsva zvinosanganisira kuvandudza utano kana kubvisa tsika yakaipa. Usakanganwa nezvekuvandudza mararamiro ako emari uye yako yakaipa mari yechikwereti mugore idzva. Sezvo iwe uchisarudza kuchinja zvimwe gore rino, wedzera chimwe kana zvimwe zvezvikwereti kana zvikwereti zvikwereti kune rako.

01 Buda pane chikwereti.

Buda pane chikwereti uye uchengetedze mari ndezvimwe zvezvakanyanya kuitwa uye zvakaputswa Zvisarudzo zveNyika Itsva. Zvichida ndezvokuti vanhu havana chirongwa chakanaka chekubuda mune chikwereti, kana zvichida vanorasikirwa nechinangwa mukati megore. Kana, zvichida, "kubvisa chikwereti" kungave kwakakura zvikuru kune vavariro yekuita mumwedzi gumi nemaviri.

Pane kuedza kubhadhara chikwereti chako (kunyanya kana iwe uine mukana mukuru), funga nezvemaitiro mashomanana makuru, kuisa pamwe kuti uwane chikwereti . Ita kuti chirongwa chako chigadzire kwete mushure meFebruary uye chinangwa chekubhadhara 10-20 kubva muzana yemari yako yose pakupera kwegore.

02 Chengetedza chikwereti chako chekwereti.

Usatora zvishoma kuti ruzivo rwuri munhoroondo yako yekwereti ichave yakarurama. Dare reFTC rakabudiswa kutanga kwegore ra2013 rakazivisa kuti 26 muzana yevaAmerica vane kukanganisa pamushumo wavo wechikwereti izvo zvingave zvingakanganisa chikoro chavo. Vashanu muzana vanhu vane kukanganisa kunogona kukanganisa mazwi avo emari.

Zvikanganiso zvinoitika, asi zviri kwauri kuti ugadzirise zvikanganiso izvozvo. Mushumo wakachena wekwereti unokosha kunyanya kana iwe uronga kuisa mari yekubhadhara mari, chikwereti chemotokari, kana kadhi rechikwereti. Chimwe chikwereti chekwereti gakava ndicho chakanakisisa kuti utange kubvisa ruzivo rwakashata kubva kumushumo wekwereti.

03 Ramba uchingwarira chikwereti chako.

Munhu mumwe chete pavashanu vatengi vanoongorora zvikwereti zvekwereti, maererano neCommumer Financial Protection Bureau. Kana mari yave ichikuchengetedza kubva pakuongorora chikwereti chako, hapana kunetseka. Kune zvikwereti zvekukweretesa zvekwereti.

Mawebsite maviri, CreditKarma.com uye CreditSesame.com inopa pachena mari yekuongorora zvikwereti. Iwe haufaniri kupinda nhamba yako yekadhi rechikwereti kana kunyora kuti unyore kuedza kweimwe. Iwe unogona zvakare kuronga mari yako yekwereti yekusununguka kuburikidza ne AnnualCreditReport.com kamwe gore rino kune imwe neimwe yezvikwereti zvitatu zvekwereti.

Kuongorora mvumo yako yekwereti kunokubatsira kuti uone kuvharwa kwehutano, kuvimbisa kuti vateresi vari kuudza mashoko enyu zvakanaka, uye vanoita kuti iwe utore matanho pamatambudziko ekwereti / chikwereti vasati vava kuwedzera.

04 Pakupedzisira kugadzira chikwereti chako.

Unoda kugadzirisa yakaipa chikwereti? Wakamirira chii? Gore Idzva rakanaka nguva apo chero ani zvake anotanga kugadzirisa chikwereti chako. Chokutanga, chengetedza chikwereti chekwereti kuti uone kuti chii chiri kukonzera chikwereti chako chakaipa . Zvadaro, tanga urongwa hwekutarisana nechimwe nechimwe chezvinhu izvozvo, semuenzaniso kukakavhura account, kupa mubhadharo wokubvisa, kana kurega nguva yekupa chikwereti chikwereti ichipera.

05 Endazve mumakadhi ako kadhi rechikwereti.

Wakambove uchishandisa chikwereti nenzira inokurudzira chikwereti , sekusvetuka apo iwe unoziva kuti haugone kuripa? Kuchinja maitiro akaipa ekushandisa, kutanga unofanira kuziva kuti unazvo. Zvadaro, unofanirwa kuita chisarudzo chekuchengeta mari yako yekuongorora-kunyange kana izvozvo zvinoreva kusiya chikwereti chako chekwereti kumba. Mushure mokuita zvikwereti zvakanaka zvekwereti kwemavhiki mashomanana, uchaona kuti kushandisa mari yakanaka kunotanga kuuya.

06 Rega kurarama mubhadharo kubhadhara.

Mubhadharo wekubhadhara tsika ndeye ngozi. Zvose zvinotora ndeimwe mari yakawanda yekukutumira kune mari inoparadza, zvichida kunyange kubhadhara. Kuzvibvisa kubva mumugadziro uyu wakaipa kunogona kutora mwedzi yakawanda nekuzvidzivirira kwakanyanya.

Chengeta zvaunoshandisa , cheka zvinhu zvaunogona kugara kunze, uye shandisa bhajeti kuti ikupe imwe nzvimbo yekufema mubhadharo rako.

07 Kuvandudza chikwereti chako.

Chikwereti chako chikwanganiso chinoita kuti kana iwe usati wagamuchirwa nemakadhi matsva nemakwereti. Icho chinokanganisawo chikwereti chaunotora iwe unobhadhara. Chikamu chekwereti chechikwereti chinokonzerwa nekodzero yakaramba kushandiswa kana kuti yepamusoro yekutora mari Kuvandudza chikwereti chako chekwereti kunovandudza kukwanisa kwako kuwana kadhi rakanaka rechikwereti nemashoko ekukwereta.

08 Rega kuwedzera ma kadhi ako kadhi.

Iwe uri kutora mari yakawanda yekutengesa kana iwe uchiramba uchitenga chikwereti chako kusvika munzira yechikwereti. Iwe unofanirwa kuchengetedza chikwereti chiripo chekudzivirira kwete chete kuchengetedza chikwereti chako, asiwo kuti uende munzvimbo yekukurumidzira (iwe waizotendeuka udzose kubva kuchikwata chako chekukurumidza). Gore rino, gadzirisa kuti iwe unomira kuwedzeredza kadhi rako rechikwereti.

09 Tanga mari yekukurumidzira.

Paunenge uri nechikwata chekukurumidzira, iwe haufaniri kutora chikwereti kana chikwereti kana uine dambudziko rezvemari, sekugadzirisa motokari huru. Kuvaka mari yekukurumidzira kunogona kutora nguva shomanana kudarika kubhadhara kadhi rechikwereti rinoshandiswa kuvhara mari yekukurumidza. Iko inofanirwa mari yekukurumidzira ichabhadhara mwedzi mitanhatu yemararamiro enyu, asi kuvhara $ 1,000 kana $ 2 500 inowanzova chinangwa chechokwadi chenguva pfupi.

10 Chengetedza zvido zvishoma.

Chaizvoizvo, kufarira ndiwo mari yekukwereta. Mari yaunobhadhara mukutora pads makoti ako evanhu vane chikwereti apo inogona kunge iri kuvhara iwe pachako.

Iwe unogona kubhadhara zvishomanana mune zvekufarira kuburikidza nekutaurirana kwechidimbu chechibereko chekuda kana kubhadhara zviyero zvako kubva nokukurumidza (kana zvose zviri zviviri). Kushandura zviyero kusvika kune zero muzana yekutengesa kuyerwa kwekubhadhara kuwedzerwa kadhi rechikwereti kunogonawo kuderedza nguva yako yekubhadhara chikwereti.

11 Rega kubhadhara mari yekupedzisira.

Mari dzemazuva ekupedzisira ndeimwe mari isingakoshi inotungamirirwa nevatengi vako. Haisi kungoita chete nguva yekubhadhara kunokonzerwa nemari yakaderedzwa, iwe unogonawo kuona tsanga muhuwandu hwekuda kwehuwandu (shure kwemazuva makumi matanhatu ekudengenyeka), kudonha mune chikwereti chako, uye kurasikirwa kwemakadhi emakadhi ekwereti. Iyi migumisiro yakaipa inogona kudziviswa nekubhadhara zvikwereti zvekadhi rechikwereti nenguva.

Kana uri nechinetso chekuyeuka kubhadhara zvikwereti zvako, chimbofunga autopay apo mabhiriro anowiridzirwa kubva pakero yako yekuongorora. Nyora paarendari yako kana kuti uite bhodhi rekubhadhara mari kuti uchengetedze zviri kuuya.

12 Kurarama mukati mako.

Kuti urarame mukati mezvinhu zvako zvinoda kuchinja kukuru. Zvinoreva kushandisa bhajeti kuti uchengetedze mari yako. Kuchengetedza mari yako kuti uone kuti mari yako iripi. Pakupedzisira, iwe unofanira kumira kushandisa mari yako yekuchengetedza kana kadhi yemakadhi kuti uwedzere mari yako.