Chikwereti chiduku hachizokuvadza, handizvo here? Ndizvo zvazvakatanga. Iwe unotenga chiduku pane kadhi rako rechikwereti uye iwe usati wazviziva, une zviuru zvemadhora mune chikwereti. Asi, chii chakashata nekuva nechinguva-kana zvakawanda - chikwereti? Zvakawanda, chaizvoizvo.
01 Chikwereti Chinokukurudzira Kuti Uchishandisa Zvakawanda Kupfuura Zvaunogona Kuita.
02 Chikwereti Chinokosha Mari.
Chikwereti chinonzwa wakasununguka paunenge uchiputira kadhi rako kana kuti kuisa zvinyorwa zvechikwereti, asi hazvisi zvachose zvachose. Kazhinji, iwe unobhadhara mutengo wechikwereti chaunoshandisa. Mutengo iwoyo unouya nenzira yekufarira. Iyo yakakwirira iyo inotora chikwereti, kana iwe uchizoguma uchibhadhara chikwereti chako. Uyezve, iyo inotora nguva yakawanda kuti iwe ubhadhara uye yakasimudza chikwereti chako, iwe unofarira kubhadharwa.
Chero bedzi chikwereti chisina chikwereti kana kuti zero muzana APR credit card kukurudzira , asi kunyange iyo ine muganhu uye inogona kurasikirwa kana iwe usina kukwana pamari yako.
03 Chikwereti Chinokwereta Kubva Ramangwana Rako Mari.
Chero chero nguva iwe unotora chikwereti kana kupa chimwe chinhu pane kadhi rako rechikwereti, uri kukwereta kubva pamari yaunotarisira kuwana mune ramangwana. Iwe unonyatsoda kushandisa mari yako kubhadhara chimwe chinhu chawakamboshandisa uye hauna kuwana kukosha kwakanyanya kubva zvakare?
04 High Interest Rate Chekwereti Zvikonzero Zvaunofanira Kubhadhara Kupfuura Nyaya Yemutengo.
Kana iwe uchitenga $ 2,000 yekamuri yekugara yakagadzirirwa pachikwereti chako chekwereti pa11% uye chete ugoita mari shoma , iwe unopedzisa kubhadhara kudarika madhora mazana matatu nemazana mana nenguva iyo iwe ukwana zvachose chikwereti. Izvo zvinodarika $ 1,400 zvinopfuura firiji inodhura. Kunyangwe iwe ukasimudza kubhadhara kwako pamwedzi kwe $ 100 uye uchibhadhara chikamu, iwe ungadai uchiripa mari inosvika $ 220 pane zvinodhura zveimba. Kune rumwe rutivi, unogona kuisa $ 150 mwedzi kwemwedzi gumi nemana uye uchatenga zvakakwana pasina chero mari yakawedzerwa.
05 Chikwereti Chinokuchengetedza Kubva Kuzadzisa Zvido Zvako Zvemari.
Mutero wemwedzi wemwedzi unotora chikamu chemari yaunofanira kushandisa pane zvimwe zvinhu, kwete kungosiya basa, asi rwendo rwaunoda kutora kana yeKrisimasi zvipo zvemhuri yako. Kana uine chikwereti chakawedzerwa, iwe unowedzera mari yako yaunenge uine mwedzi uye iwe uchingopedzisira uchishandisa pane zvimwe zvose.
06 Chikwereti Chinogona Kukuchengetedza Kuva Neimba.
Chikwereti chekwereti, motokari, uye chikwereti chemari chikwereti chevadzidzi vose vanofungidzirwa apo vachitsvaga mari yechikwereti chemusha Kana imwe yako chikwereti chikwereti ichikwirira, iwe unogona kutendeukira kune chikwereti chemari. Izvozvo zvinoreva kuti iwe ucharamba wakabhadhara, kana pane yako ikozvino kutora chikwereti kusvikira iwe uchibhadhara zvimwe zveimwe chikwereti chako.
07 Chikwereti Chinogona Kutungamirira Kuzvidya Mwoyo uye Zvinetso Zvokurapa Zvikuru.
Paunenge uine chikwereti, zvakaoma kuti usafunganya nezvekuti iwe uchazoita sei kubhadharwa kwako kana kuti sei iwe ucharamba uchingotora chikwereti chakawanda kuti uwane zvigaro. Kushungurudzika kubva kune chikwereti kunogona kutungamirira kuhutano kusvika kune hutano hwakakomba zvinetso kusanganisira zilonda, migraines, kuora mwoyo, uye kunyange kutambudza kwemwoyo maererano nechisarudzo chakaitwa ne Associated Press neAOL.
08 Chikwereti Chinogona Kukuvadza Imba Yako.
Chikwereti chinoisa kusakosha kusingakoshi pamari yemhuri uye kunotadza kusava nemari yekuchengetedza mari kune wako wako nevana vako. Chikwereti chinogona kukonzera nharo pamusoro pekuti ndiani ari kukwereta chikwereti, kuti chikwereti chakawanda zvakadini, uye ndiani ane mhosva yechikwereti chakawedzerwa. Izvi zvinogona kuwedzera uye zvinotungamirira pakuputsika muwanano.
09 Chikwereti Chinokuvadza Chikwereti Chakwereta.
Chikamu chemari yako chikwereti - 30% kuti ive yakarurama - inobva pachikwereti chaunacho. Chikwereti chikuru chawakafananidza nemari yako chikwereti uye zvikwereti zvepakutanga chikwereti, pasi rako chikwereti chikoro chichave. Kunyange kana iwe usisiri kutenga kadhi rechikwereti kana chikwereti, chikwereti chako chinokanganisa hupenyu hwako uye mari yemimwe michina nemishandiro, semotokari yemotokari.