Heano zvimwe zvinhu zvaunogona kuita.
Batsira Iwe Pakutanga
Apo vashandi vanofambira vanodzivirira kutaura, vanogara vachitaura kuti iwe unofanira kugadzirisa masikisi ako ehogi usati wabatsira vamwe. Iwe haugone kubatsira mumwe munhu kupona kana iwe uri kutambura kuzvifema. Kana iwe newawakaroorana naye mose mune chikwereti chakaipa, munogona kuvaka zvakare panguva imwe chete. Asi usakanganwa chikwereti chako.
Gadzira Imari Yemajeri
Nheyo dzekuvaka chikwereti chakanaka chekwereti ndiyo tsika yakanaka yekugadzirisa mari . Iko kunotanga nekuva nemari kana chirongwa chekushandisa mari yako. Kana iwe usati uine imwe chete, ita bhajeti zvichienderana nemari yako uye mari yako. Bhijhini ichakubvumira kuti uone kana iwe une mari yakawanda yekubhadhara mari. Simudza mari yako kana kuti kuderedza mari yako yekuita kuti ushandise matanho.
Shingai pamwe chete kuvaka imba yekukurumidzira iyo yamunogona kuwana . Mari yekukurumidzira inochengetedza iwe mose kuti murege kuvimba nekadhi rechikwereti, kana mari inowedzera mari, kubhadhara mari dzisingatarisirwi.
Uye kana iwe kana wako wako muchishandisa kadhi rechikwereti kuti mubhadharire kune imwe nhamo, shandisa mari yekukurumidzira kubhadhara chikamu pakarepo. Iko inofanirwa kubhadhara mari yekukurumidzira ndeyemwedzi mitatu kusvika kumitanhatu yemararamiro ehupenyu, asi iwe unogona kutanga nechinangwa chiduku che $ 1 000 uye shandisa nzira yako kusvika kune mari yakakwirira.
Dzidzisa Wawakaroorana Naye Nezvokubhadhara uye Maitiro Akanaka Okubhadhara
Vabatsire kunzwisisa zvikwereti zvekwereti, kubhadhara chikwereti, nekukwereta chikwereti.
Tsanangura ukama huripo pakati pevakweretesa uye zvikwereti zvekwereti, kuti zvikwereti zvakanonoka sei zvisingaoneki, uye kuti zviyero zvakaderera uye kubhadhara kwenguva yakareba zvinobatsira sei kuvaka mari yakanakisisa yekwereti.
Heano zvinyorwa zvishomanana zvekubatsira kutsanangura chikwereti:
- Credit Report uye Kuverenga Zvidzidzo
- Zvikwereti Zvipi Zvakaverengwa
- Nzira Yokuvaka Nemaitiro Akanaka Akanaka
- Dos uye Zvipo Zvokushandisa Kushandisa Nokuchenjera
Dzokorora zvikwereti zvekwereti pamwe chete , asi usatsvaga kana kumhura mudzimai wako nokuda kwezvikanganiso zvekare. Chinangwa ndechekuona zvinhu zvisina kunaka kugadzirisa uye kuuya neurongwa hwokugadzirisa. Iwe unogona kushamiswa kuona zvikanganiso pane iwe pachako chikwereti chikwereti.
Mamwe ematambudziko akawandisa ezvinyorwa zvekwereti chikwereti chikwereti mabhuku, zviyero zvakatarwa zvakatarwa, mutero wemitero, kufambisa, bankruptcy, kana chikwereti chemudzidzi chisina kukwana. Iwe unogona kuwana kopi yakasununguka yematarenda ako chikwereti kuburikidza ne AnnualCreditReport.com.
Uyai neChirongwa Chokubhadhara Chikwereti
Kuva nechikwereti chikuru chevatengi kunogona kukuvadza zvose chikwereti chikoro chako . Shandisa zvikwereti zvekwereti nemamwe mabhodhi ekubhadharira kuti uite urongwa hwematare ako. Zvino, ita urongwa hwokubhadhara pasi zviyero . Zvinowanzosarudza kutsvaga chikwereti chokubvisa kutanga nokubhadhara zvakanyanya sezvaunogona kuyeranho iyo uchibhadhara zviduku pane vamwe vose.
Shandisai Account Card Account
Shandisa chikwereti chakanaka kuti ubatsire kukurudzira chikwereti chawakaroorana naye nekuita mumwe wako semubvumirwe wemvumo kune imwe (kana kupfuura) yemakadhi ako emakadhi. Kana ukangowedzera wawakaroorana naye sevane kodzero yakagadziriswa, nhoroondo yekambani iyoyo ichaonekwa pamushumo wekodha wako. Iva nechokwadi kuti iyo nhoroondo ne mbiri yakanaka yechikwereti, kana kuedza kwako kuchadzoka.
Imwe Zasarudzo ndeyokuti Uwane Account Joint Newawakaroorana Naye
Iwe unoshandisa kadhi rechikwereti pamwe chete, uye kadhi rechikwereti chikwereti chichaongorora zvose zviri zviviri chikwereti chenhoroondo kuti ubvumire kushanda. Sekubatanidzwa kwebhuku rakachengetedza, iwe newawakaroorana naye munobatanidzwa musangano. Kana mumwe wenyu asingakwanisi kubhadhara paakaiti, uyo ane chikwereti anokwanisa kutevera mumwe wawakaroorana naye muyero.
Nokuenzanisa, kana wako wako ari mushandisi ane kodzero, uyo ane chikwereti anoshandisa chete chikwereti chako chekwereti kuti agadzire mitemo yemakadhi echikwereti uye anongokutakura iwe mhosva pamhosva dzakapiwa padhigiramu.
Mutemo weBurumende unoda chikwereti chekwereti kubhadhara kukumbira mari yako pachako panzvimbo yepfuma yemhuri pavanenge vachibvuma kushandisa kadhi rechikwereti. Kana wako wako asina mari yake pachake asiye yako, iye haazokwanisi kugamuchirwa kadhi rechikwereti.
Kugovana kadhi rechikwereti kunoda kukurukurirana kukuru maungashandisa uye kubhadhara kadhi. Upfront, ivai nekukurukurirana pamusoro pemiganhu yekutenga uye miitiro yekubhadhara kudzivisa kukakavara.
Batsira Wawakaroorana Naye Kuti Awane Chikwereti CheKachengeteka
Chikwereti chekwereti chakachengetwa ndechimwe sarudzo yekuvaka zvakare yakaipa chikwereti chikoro . Chikamu chakaoma zvikuru pamusoro pekuwana kadhi rechikwereti rakachengeteka, kunze kwekuva nemari yega, iri kuuya nechengetedzwa chekuchengetedza. Dzokororai bhajeti yeimba yako uye ona kuti iwe nomudzimai wako mungakwanisa sei kubhadhara mari yakanaka. Vamwe vakachengetwa makadhi emakadhi vanobvuma kuchengetedzwa kwekuchengetedzwa kwepasi sekusvika $ 200.
Kana mumwe wako aine kadhi rechikwereti, iwe pachako kana kuti iwe, zvakakosha kuti iye aite zvakanaka tsika dzekwereti. Izvozvo zvinoreva kubhadhara chikamu chechikwereti chekwereti uye kubhadhara chikero chakakwana uye nenguva pane mwedzi. Yeuchidza wawakaroorana naye kubhadhara chikamu mwedzi woga woga kana kuti zviri nani, kuripa mari yako pamwe chete mwedzi mumwe nomumwe.