Isu tose tinotanga pasina chikwereti, slate yakachena munzira. Chero chikwereti chaunoshandisa iwe kubva panguva yaunotanga kuzarura kambani yako yekutanga ingakuendesa kune chikwereti chakanaka kana chikwereti chakashata. Vanhu vazhinji vanogona kudzivisa chakaipa chikwereti kuburikidza nekuita sarudzo dzakanaka nechikwereti uye mamwe maakaiti emari.
Bhadhara zvikwereti zvako nenguva pane mwedzi.
Iyi ndiyo nhamba imwe chete yaunofanira kuita mwedzi mumwechete kuti urege kudzivirira chikwereti.
Mari yekubhadhara ndiyo chinhu chinonyanya kukanganisa chikwereti chako, saka hazvishamisi kuti kukanganisa kuripo (nemazuva makumi matatu kana kupfuura) kunogona kuparadza chikwereti chako. Imwe chete yekubhadhara mari inogona kukonzera chikwereti chako mazano akawanda uye kutevedzana kwekubhadhara kwekubhadhara kunogona kutungamirira kuzvinhu zvakaipisisa zvakadai kufambisa, kubhadhara, kubhadhara, uye kuunganidza.
Izvi zvinoshandawo kune zvikwereti izvo zvisingawanzobvunzirwa kune zvikwereti zvemari chikwereti, semutero wefoni kana kushanda magetsi. Paunowira kure kwazvo, nhoroondo yacho inogona kutumirwa kusangano rinounganidza uye iyo inenge ichinyorwa nguva dzose pamushumo wekwereti yako. Kunyange chimwe chinhu chakajeka sekuraira mabhuku chinogona kukuvadza chikwereti chako.
Ziva zvipi zvekubhadhara zvinoshuma kune zvikwereti zvekwereti.
Pangave nemwedzi yawakasungirwa kuti uwane mari uye iwe haugone kuripa zvose. Zvinosuruvarisa, iwe unogona kubhadhara zvimwe zvikwereti uye kutamba vamwe . Kuchengetedza chikwereti chako maranho zvinoreva kuchengetedza ikozvino pane zvose zvigwaro pamushumo wekwereti yako - makadhi echikwereti, zvikwereti, chikwereti, nezvimwewo.
Izvo hazvisi kureva kuti iwe unofanira kufuratira mamwe mazvikwereti, nokuti yakasara isina kubhadhara, kunyange iyo ichazopedzisira yatora chikwereti pachikwereti chako. Kana iwe uchifanira kudarika mushumo, ivai nepurogiramu yakasimba yekubatwa kumusoro.
Usatora chikwereti chakawanda.
Nhare yako yechikwereti ndicho chechipiri chikuru chinokanganisa chikwereti chako.
Chikwereti chinyorwa kwete kungofunga nezvemari yemari yako yose asiwo kuti zviyero zvako zvekadhi rechikwereti zvakaenzanisa sei nemari yako yemari ( yako credit utilization ) uye kuti chikwereti chikwereti chakaenzaniswa sei nemari yekutanga yemari. Chengetedza zvikwereti zvekadhi rako rechikwereti pasi uye uite mari yako yekugara muchikwereti kuderedza chikwereti chako.
Kuwanda kwechikwereti chaunacho kunogona kuchinjawo maitiro ako okubhadhara. Chikwereti chikuru chinogona kuita kuti zvive zvakaoma kuita mishonga yako yemwedzi iwe zvichikuita kuti urege kubhadhara mari. Ziva zviratidzo zvekuva nechikwereti chakawanda uye kuderedza mari yako yekupedza kadhi rechikwereti usati wapinda mukati memusoro wako.
Wana zvakanaka pakugadzirisa mari yako.
Kana iwe wakaipa nemari, iwe unogona kunge uine dambudziko rokuita chikwereti chako nemari yekubhadhara chikwereti. Chikwereti chakaipa chingakurumidza kutevera. Kuva akanaka nemari kunobatsira kumativi ose. Inokuchengetedza kubva kune chikwereti, inobatsira kudzivirira chikwereti chako, uye inokubvumira kusvika kune zvinangwa zvako zvemari.
Funga usati watora mari itsva.
Mariro yega yega yega yega yega, kana iri kuvandudza kushanda kwefoni yako kana kutenga motokari itsva, inokanganisa kukwanisa kwako kugadzirisa zvese. Kazhinji, tinowedzera mitsva miviri yemwedzi tisingafungi kuti ichaita sei kuti tikwanise kubhadhara zvimwe zvese zvatinobhadhara.
Usati waita pane chimwe chinhu, nyatsofungisisa kuti chii chichaita kuti uwedzere mari yako yemwedzi .
Deredza purogiramu yako kadhi rechikwereti.
Chikamu chimwe nechimwe chechikwereti chaunoita chinowedzera kuongorora kumushandi wako wekwereti . Iyi mibvunzo ndeye 10% yekwereti yako chikwanganiso uye inokwanisa kudonha iwe huwandu hwemashoko zvichienderana nedzimwe ruzivo pamusoro pekwereti yako yekwereti. Kunze kwokuva nemibvunzo yakawanda, zvizhinji zvekubhadhara kadhi rechikwereti zvinogonawo kureva zvakawanda zvekadhi rechikwereti, mijenya yakawanda, uye zvakawanda zvekubhadhara kuti uchengete.
Ziva apo uri kutambudzika.
Kana mari yakaoma, usashandire kumakadhi emakadhi kuti akusigire. Pane kudaro, kuderedza mari yako uye ushande zvakaoma kurarama mune zvaunokwanisa. Kuunza mari yakawedzerwa kubva mukushanda kwemaawa akawanda, kubhadhara pane hobby, kugadzirisa kutengesa yadhi, kana kuwana basa rechipiri kunogona kudikanwa kuti uone kuti iwe unogona kuramba uchingoraramisa.
Vakai mari yakachengetedzwa.
Mazhenje eBhangi haatongorwi mukwereti yako, saka kuchengetedza mari hakuzoiti zvakananga kukunda chikwereti chako. Asi kuva nemari yakachengetwa kuchakubatsira kuti urege kudzivisa zvimwe zvinetso zvinotungamirira kune chikwereti chakaipa. Semuenzaniso, mari yezuva inonaya inogona kuuya inobatsira iwe kuita chikwereti uye zvimwe zvipo kana uine mari yakawanda isingatarisirwi.
Dzimwe nguva hupenyu hunochinja hunovhiringidza hupenyu hunoita kuti zvive zvakaoma kuchengetedza chikwereti chako chakanaka. Kurasikirwa nomunhu waunoda. Kubasa. Kukuvadza. Kurambana. Dzimwe nguva chinhu chakanakisisa chaungaita kuti urarame uye kuchengetedza chikwereti chako ndicho chinhu chekupedzisira mupfungwa dzako. Usanetseke. Tora nheyo yako muhurongwa uye ushande pakuvakazve chikwereti chako kana iwe wakagadzika uye wodzokerazve patsoka zvakare.