Kutarisana nemari inokurumidzirwa pasina mari yekubhadhara
Vanhu vanotora chikwereti chebhadharo vanotarisira kuti ive chinhu chenguva imwe chete. Vanotora $ 250 vachida kubhadhara zvakare muvhiki mbiri, kana pasi. Zvisinei, muvhareji wekubhadhara chikwereti chekubhadhara chikwereti chiri mune chikwereti kwemwedzi mishanu uye inokwereta $ 520 muzvikwereti (pamusoro pemari yepakutora chikwereti), maererano nekutsvakurudza kubva Pew Charitable Trust.
Kana pakaitika njodzi, iwe unogona kuisa maoko ako pamari nokukurumidza, asi kune nzira dzisingabatsiri zvekubhadhara.
01 Tengesai kana pawn zvinhu zvamusingadi
02 Taura nevatengi vako pamusoro pekuwedzera zuva rako rakakodzera
Kana iwe uchiziva kuti iwe haugoni kuita chikwereti chako, danaidza chikwereti chako uye uvazivise. Vakawanda vanobvumira kubhadhara zuva rako rakakodzera risina kubhadhara mari yekupedzisira kana kukuudza iwe ku-credit bureau. Ita zvakafanana nehurumende kana mafoni.
03 Shanda nguva yakawanda
Kana iwe waunoshandira achizvibvumira, shanda maawa mashomanana akawanda kuti uwane nguva yakawanda yokubhadhara.
04 Itai basa redu
Kana uine hobby kana unyanzvi huri kudiwa, ipa hutano kuvanhu kuvanhu mukuchinjana nemari. Erin Huffstetler, Mutungamiri weHupenyu Hwezvipembenene, ane ruzivo rwakakura rwezvimwe zvinokuvaraidza zvinowana mari.
05 Kumbirai vashandi venyu kuti vaende mberi
Zvechokwadi, ichi ndicho chinhu chakafanana nehomwe yemari yekubhadhara, asi pasina mari yakawanda uye chikwereti chemari. Taura nemumwe munhu mubazi rako revanhu nezvekufambisa mberi kwebhadharo rako rinotevera. Ramba uchiyeuka kuti kuwana mberi kunoderedza chikwereti chako chinotevera. Vamwe vashandi vanopa zvikwereti zvinogona kubhadharwa muzvikwereti pamusoro penguva yakawanda yekubhadhara, kuderedza kushanda pamutoro wako wekugamuchira kumba.
06 Rongedza yako mitero inholding
Kuva nemari yakawedzerwa yakachengetwa kubva pamari yako kuitira kuti ugone kuwana mari yakawanda yekubhadhara mutero inyaya yakaipa paunenge uchinetseka kuti uwane zvigaro. Iwebsite ye IRS ine mvumo yekuregeresa kubhadhare iwe unogona kushandisa kuti uone kuti mari yakawanda inofanira kutorwa kubva pamarikiti yako. Ngwarira kuti uone kuti uri kutora mitero yakakwana yakachengetedzwa, zvisinei iwe uchazoguma uchibhadhara mitero inotevera April.
07 Tora zvimwe zvezvikwereti zvako
Deredza mari yako yemwedzi. Kurega zvimwe zvezvikwereti zvako zvinogona kukupa kukurumidza kukurumidza muhomwe yako mwedzi uno.
08 Tarisai nzvimbo dzekukurumidzira zvinetso zvekudaidzira
Unogona kuwana mamwe masangano emunharaunda achakupa kana kukukwereta mari kuti akubatsire kunze. Taura neDhipatimendi reMunharaunda yeHuman Resources kuti uone kana pane hurongwa hwekuita rubatsiro rwekukurumidzira munzvimbo yako. Machechi emunharaunda nemamwe masangano anobatsira (saSalvation Army) zvakare nzvimbo dzaunogona kutarisa rubatsiro.
09 Borrow kubva kune shamwari kana nhengo yemhuri
Kukwereta kubva kune shamwari neshamwari kunogona kunge kunonyengera. Mari uye shamwari / mhuri dzinowanzosawirirana uye iwe unogona kuguma neukama hwakaputsika, izvo zvinogona kunge zvakatoipisisa kudarika chikwereti chekubhadhara chikwereti. Ramba izvozvo mupfungwa sezvaunofunga kuenda kumunhu waunoda nemari. Iva sepfungwa dzakakura sekubhadhara shamwari kana nhengo yemhuri sezvaunoda bhangi kana bhizinesi kukweretesa.
10 Bvisa chikwereti chiduku kubva kubhangi rako kana chikwereti chekambani
Kana iwe uine mari yakasimba uye chikwereti chakanakisisa, iwe unogona kukodzera chikwereti chiduku chako kubva kubhangi rako. Ichokwadi kuti izvi zvinowanikwa nehuwandu hwechikwereti uye mari yakawanda yekubhadhara zvishoma kupfuura chikwereti chebhadharo kana kutarisa mberi.
11 Bhara nekadhi rako rechikwereti
Kana uine kadhi rechikwereti rine chikwereti chiripo, chishandise kuti uwane mari yekubhadhara pane kutora chikwereti chebhadhiro. Usazviita tsika, uchishandisa makadhi ako ekwereti kuti ubhadharire nguva dzose yekutengesa sezvokudya kana gasi zvinoratidza dambudziko guru remari .
12 Shandisa kadhi rechikwereti mari yakatarisa
Kadhi-kadhi yemari inofambira mberi inogona kuve yakadhura, asi kana iwe wakatengesa kutengesa mari shoma uye mubereko wakanaka, inenge ichingodhura zvakashata kudarika chikwereti chebhadharo. Iwe unofanirwa kushanda nesimba kuti ubhadhara $ 793 mune zvekuda uye mari yekutengesa mari. Sezvo kadhi rechikwereti mari inofambira mberi ine mari yakakwirira, usabhadhara chero chimwe chinhu pane kadhi rechikwereti uye ubhadhe chikamu nokukurumidza sezvaunogona.
13 Tenga kubhadhara mari yekwereti
Kana uri nechinetso chekuita kadhi rechikwereti yako mwedzi wega wega, mutengi wekwereti wekwereti anogona kukubatsira kuderedza mari yako yemwedzi kune imwe yepamusoro. Tsvaga chikwata chekupa mazano pakutanga kuti udzivirire chikwereti chako.
14 Bhalanidza kubhengi yako ye-overdraft yekudzivirira
Bhengi yako inogona kupa chirongwa chekudzivirira mari yepamusoro-chero inobhadhara mari yepamusoro yezvinyorwa nemutsara wechikwereti. Taura nemumiririri wevashandi vekutengesa nezvekusayina rudzi rwechirongwa ichi. Iyi ndiyo imwe nzira yekugadzirisa cheki inotungamirira kune mari isingakwanisi mari kubva kubhangi rako uye kudzokera chekubhadhara mari kubva kumutengesi.
15 Dhadharira muchikwata chako chekukurumidzira
Izvi chaizvoizvo rudzi rwebhadharo iwe unogona kushandisa mari yako yekukurumidza . Mushure mekutora mari kubva muchikwama chako, iva nechokwadi chekudzorera zvakare kuitira kuti uve nacho kana pane imwe nguva inomuka.