Chimwe chezvinhu zvakanakisisa pamusoro pekushandisa kadhi rechikwereti ndechokuti iwe unokwanisa kubhadhara mari shomanana yemari yako mwedzi wega wega kusvikira chikamu chakatsiviwa zvachose. Iwe unogona kuedzwa kuti ushandise mukana wekusununguka uku uye shandisa mari yako kune zvimwe zvinangwa. Kunyange zvazvo kubhadhara mari shoma iri nyore kuitisa, inowanzobhadhara zvakawanda zvizhinji munguva refu. Heano zvikonzero zvishoma iwe unofanira kutora bullet uye kubhadhara kupfuura zvishoma pachikwereti chako chekwereti .
01 Chengeta Mari Nezvaunofarira
Paunenge uchiita kubhadhara mari shoma, unopedzisira ubhadhara zvakawanda mumhosva dzemari kupfuura iwe kana iwe wakabhadhara chikamu chako nokukurumidza nekuita zvikwereti zvakakura. Iwe unogona kuponesa mazana, zvichida kunyange zviuru, zvemadhora muchifaro chete nekusimudza makosi ako kadhi kadhi rechikwereti.
Somuenzaniso, kana uine $ 2 000 muyero pa14% APR, kubhadhara zviduku zvinodhura madhora $ 1,833.24 muchibereko. Kana iwe pachinzvimbo chekutumira $ 100 pamwedzi uye urege kuita mhaka dzemangwana, iwe uchabhadhara $ 290.77 mune zvekufarira. (Kubva paBhangerate.com's Minimum Payment Calculator uye mari shoma inobhadharwa kune chido + 1% yemari)
02 Pay The Balance Off Zvishoma
Hazvirevi chete kuti iwe unowedzera kuti uite chikwereti chiduku, zvichakutora iwe nguva refu kuti ubhadhara zvachose chikwereti chako.
Semuenzaniso, zvinotora makore anopfuura 14 kubhadhara $ 2,000 kadhi rechikwereti (balance at 14% APR) apo iwe unongotora mari shoma. Kune rumwe rutivi, kutumira $ 100 mwedzi nguva dzose kunogona kukubvumira kuti ubhadhe mari iri pasi pemakore maviri (zvakare, uchifunga kuti haugadziri mhaka dzemangwana pakadhi uye APR yako haina kuchinja).
03 Kuvandudza Chikwereti Chakwereta
Kushandiswa kwechikwereti - chiyero chekadhi rako rechikwereti kune chikwereti chako chekwereti - ndeye 30% yechikwereti chako chikwereti. Kana kadhi yako yekwereti yakakosha yakaenzana nechikwereti chako chekwereti, inodhura mari inokosha yekodhi yemakadhi . Iko mari yechikwereti shoma inogona kuita kuti zvive zvakaoma kuti uwane chikwereti chekwereti uye zvikwereti.
Kushandisa zvishoma kunoderedza kuisa yako muyero zvishoma pane imwe nguva. Saka kana iwe unoshandiswa zvakanyanya, zvinotora mwedzi yakawanda, zvichida kunyange makore, kuderedza mararamiro ako uye kuderedza kushandiswa kwako. Kuunza chikamu chako pasi nekukurumidza nekubhadhara zvinopfuura zvishoma zvinobatsira kuvandudza chikwereti chako chikoro.
04 Get Ready For A Mortgage
Kana ukaronga kutenga imba kana kuita chimwe chikwata chikuru chekutenga chikwereti munguva pfupi iri mberi, iwe uchada kubhadhara chikwereti kuti uwane chikwereti kana kuti kana uchikwanisa kukwikwidzana nhanho yemari.
Mari shoma shoma haigoni kuderedza mihairiro yemakadhi echikwereti nokukurumidza zvakakwana. Simudza makoko ako kuti ubhadhe zvikwereti zvekadhi rechikwereti usati waita chikwereti chechikwereti chikuru.
05 Wedzera Mari Yako Yakawanikwa
Makadhi ako ekwereti haabatsiri kana usina chikwereti chiripo nokuti zviyero zvako zvakakwirira. Uye kana kuenzanisa kwako kuri kuderera zvishoma nezvishoma nokuti uri kungobhadhara zvishoma, zvichave zvishoma iwe usati wagona kushandisa kadhi yako kadhi. Chengetedza bhanhire rako pasi nokukurumidza kuti uchengetedze chikwereti chako chikwereti chinopindira