Inodhura uye Chikwereti-Nzira-Inokuvadza Nzira dzekubuda muDhaka
Kana uri kushandisa imwe mhando yekwereti yemari yekubhadhara iyo inotsvaira pane chikwereti panzvimbo yekuripa chikwereti, iwe uri kufamba nayo nenzira isina kururama. Iwe hausi kunyatsoderedza chikwereti chako. Mune zvimwe zviitiko, chikwereti chako chingave chiri kukura panzvimbo yekuderera.
Sezvaunofunga nezvenzira dzokubvisa chikwereti chako, zvibvunze kuti, "Izvi zvinongokurumidza, zvinonzwisisika here kunondiswededza kana kuti izvi chaizvoizvo, kamwechete uye zvose, kubvisa chikwereti?" Heano mamwe nzira dzakaipa (uye dzinodhura) dze "kubhadhara" chikwereti chako.
01 Borrow kubva pane 401K
Kutanga, mushandirwi wako angasaita kuti iwe ugozvipira kune iyo kusvikira watsiva chikwereti. Chechipiri, kutora kwako kumba kunowedzera (nekuti iwe unofanirwa kubhadhara chikwereti) kusvikira mari yakabhadharwa. Chechitatu, kana iwe uchisiya basa rako, iwe unofanira kubhadhara chikwereti chose pakarepo kana iwe uchapedza nekutanga kutora mari uye mutero wemari.
Kana zvasvika pakubhadhara chikwereti chako, kukwereta kubva kuchikwama chako chekurega mari chinotyisa.
02 Refinance yako chikwereti
Kuongororazve chikwereti chako kune chikwereti chako kune imwe pfungwa yakaipa, kunyanya kana chikwereti chako chisina kuchengeteka kutanga. Kubhadhara chikwereti chakaipa kumusha wekodzero yako hakusi kuchenjera. Pausina kukwanisa kubhadhara chikwereti chako chekwereti chikwereti, iwe wakaguma nechikwereti chakaipa. Kuchengetedza chikwereti chako neimba yako kunoreva iwe unogona kurasikirwa neimba yako uye kuwana mari yakawanda yekwereti kana iwe usingakwanisi kubhadhara.
03 Kubhadhara chikwereti
Kunyange zvazvo vachiita sekutizira mumamiriro ezvinhu anotambudzika, chikwereti chekugadzirisa makambani chinowanzoita kuti mamiriro acho akawedzere. Kuti urongwa hushande, unofanirwa kurega kubhadhara vatengi vako. Kana zvikwereti zvamira, foni inotanga kutanga uye saka ita mari yekupedzisira uye zvisina kunaka zvichemo zvikwereti. Mazuva makumi matatu akapera, mazuva makumi matanhatu apera. Pasina nguva nhoroondo yako yakabhadhara uye chikwereti chako chikwanganiso chinoshandiswa.
Pakupedzisira, vako vane chikwereti vangave vasingabvumirani kugadziriswa kunorongedzwa nekambani yako. Fungidzira uchifamba nezvose izvo uye uchiri kukwereta mari yacho. (Cherechedza: kugadzirisa zvikwereti zvekare kare kune imwe nzira yakasiyana, dzimwe nguva iri nani.)
Kugadzirisa zvikwereti zvako inzira yakareba. Kunyange kana ichibudirira, iwe uchapedza makore mashomanana anotevera kuvakazve chikwereti chikoro chawakarasika.
04 Simbisai nechikwereti chakakwereta
Kudyidzana kwematokari kungava sarudzo kana iwe ukakwanisa kuwana chikwereti pamashoko akarurama. Kana chikwereti chete chaunogona kuwana chiine chikwata chapamusoro chinodarika chikamu chekadhi rako rechikwereti chikwereti, siya icho chete.
Kubhadhara kwako kwemwedzi kunogona kutarisa kuderera nekodzero yekugadzirisa, asi izvi chete nokuti chikwereti chinopararira pamusoro penguva refu yekubhadhara. Kana iwe ukanyora kufarira iwe waizobhadhara pamusoro pehupenyu hwechikwereti, uchaona kuti uri kushandisa mari yakawanda kupfuura iwe usina kunge wakasimbiswa nemari yako.
05 Tumira zviyero zvako kune mamwe makadhi emakadhi
Kushandura zviyero kumakadhi emakwereti nemitengo yakaderera yekutangira zvinonzwisisika apo: iwe uri mune zvemari unokwanisa kubhadhara mari yekutangira usati wapera uye iwe haungashandisi kadhi kuti utenge kana kutora mari inofambira mberi. Kana iwe usingakwanisi kutamisa chikamu pasi pemamiriro ezvinhu aya, hazvizoshandi kwauri. Uye, kukanganwa pamusoro pekuvhara mubhadharo yako kune imwe kadhi rechikwereti nemutengo mutsva we teaser, kubhadhara mari yekubhadhara kusingabhadharwi nechokuita mari yekuchengetedza.