- Vachabvunza kuti zvinotora nguva yakareba sei kuvakazve chikwereti chavo .
- Vachapika kuti kubva pano vari kunze ivo mari chete, uye havazombotori mabhadharo emagazini pasina kubhadhara iyo pakarepo.
Vatori vemhosva vakambotambudza kwenguva yakareba sezvo tanga tine purogiramu yekushungurudza kuti tione kuti zvakanakisisa sei kuwedzera zvidzidzo zvekushungurudza kushumira vatengi vedu sezvo vachivaka ramangwana ravo remari.
Iro dambudziko. Hapana chimwe chinokudzivirira kuti urege kuwana mari yakawanda yemakadhi mushure mekunge iwe wagamuchira kubhadhara kwako kubhadhara. Uchitenda kana kwete, iwe unogona kunge uchikumbira tsamba kubva kune vatengesi vemotokari uye midziyo yekutengeserana inopa kukubatsira kuti uwane "kutanga kutangira" inki isati yoma pamusana wako. Kutya kuti hauzombokwanisi kuwana imwe chikwereti, iwe unogona kuedzwa kuti ushandise zvinotengeswa izvi zvinodhura.
Kune rumwe rutivi, tinoda kuti vatengi vedu vave nechisarudzo chekutora chikwereti kana zvichikosha, kufanana kutenga imba kana motokari. Inobatsira kuti utange maduku uye wakavaka chiziviso chakasimba chechikwata usati watora chikwereti chikuru.
Zvakawanda zvemashoko kunze uko pakudzoka kubva kubhadhaki zvinokurukura nzira yekudzorerazve chikwereti . Asi Emma anobvunza Balance chimwe chinhu chakasiyana. Ko ruzivo rwekuenda kubhadhara runogona kukudzidzisa iwe kushandisa mari yako zviri nani here? Iyi ndiyo nyaya yake:
Ini uye ini tanga taroora makore gumi nemashanu uye tine vana vaviri vakakura vane makore gumi nemana nemashanu. Tisati tava nevana vedu isu tose taishanda nguva yakazara mumabasa ekubhadhara zvakanaka. Ndakanga ndiri mumiririri mumutemo wekukuvara kwepamutemo uye Will ndiye mutariri wekuvaka. Takanga tine motokari itsva, takaenda mazororo akanaka, uye hatina kufungisisa kaviri pamusoro pezvatakatapfeka kwemapfekete, mutsvuku, kana kuti varaidzo.
Apo mwanakomana wedu akaberekwa, takasarudza kuti tinogona kuita nemari imwe chete kuti ndigare mumba nguva yakazara. Izvozvo zvaiita sokuti zvinoshanda zvakanaka kusvikira tatanga kuona kuti taive kushandisa makadhi edu ekwereti kuti tiite mubhadharo wangu. Kunyange zvakadaro, hatina kunyatsofunga zvakanyanya nezvekushandura mari yedu nokuti takagara tichida kuti ndidzoke kubasa nguva yakazara apo vana vakapinda chikoro.
Heano isu tiri, makore masere gare gare, uye tiri pedyo ne $ 50,000 mune chikwereti. Takakonzera makadhi edu ekwereti uye tiri kutambudza kuita mari shoma, iyo inenge inenge $ 2,000 mwedzi mumwe nomumwe. Tangotenga kashandisi yakashandiswa, asi chikwata chekufarira chakanga chisina maturo nokuti chikwereti chedu chakatambura.
Kunyangwe dai ndakadzoka kuzoshanda nguva yakazara, handioni kuti tingambokwanisa sei kubhadhara chikwereti ichocho chikuru. Isu tava kuda kusarudza kuisa bhadhaki uye tangotanga kupfuura. Ndisati ndaita izvozvi, ndinoda kuziva kana kuisa kubhadhara kunotidzidzisa kuti tishandise sei mari yedu zviri nani kuitira kuti tisazozviwana tiri muhutsva zvakare zvakare makore mashomanana mumugwagwa.
Ngationei kuti izvi zvinogona kuitika sei.
Bhizinesi Reform Legislation Kuita Bhizinesi Kudzoka Zvishoma?
Muna 2005, Congress yakapfuudza Bankruptcy Abuse Prevention uye Consumer Protection Act (BAPCPA). Congress yakaedza kugadzirisa izvo zvaifunga kuti ndezvisina kukodzera kugadzirisa zvirongwa izvo zvakabvumira vanhu kuti vape Chitsauko 7 chakananga bankruptcy case apo ivo vakakwanisa kuita zvishoma kubhadhara pamakadhi avo ekwereti nemamwe madhora asina kuchengetedzwa. Pakati pezvitsva zvitsva ndechimwe chikamu chechikoro chemari chikwereti.
Pre-Petition Credit Counseling: Kutanga, usati wanyorera kubhadhara munhu wese anofanirwa kugoverana nemunhu anogamuchira chikwereti. Muchikamu chino, iwe uchaisa zvikwereti zvako, mari yako, uye mari yako, uye mutengo wekukwereta achakuudza kana iwe unogona kubatsirwa nokutora matanho madiki ekugadzirisa, sezvirongwa zvekubhadhara, mari yekugadzirisa mari, kutaurirana nevatengi, kana chikwereti consolidation.
Makore maviri mushure mekunge izvi zvichitanga kushanda, National Consumer Law Center (NCLC) yakaita chidzidzo , icho chaive pakati pezvimwe zvinhu, chakayera kubudirira kwechikwata chekupa mazano kuchikwereti.
ICCLC yakatora kuti masangano ekupa mazano ekugadzirisa mari akakwanisa kuratidza nzira yakasununguka yekushambadzira kune imwe nzvimbo pakati pe1% uye 4% yevanhu vakapa zano.
Mharidzo yacho ndeyekuti kurairirwa kwekupa mazano kwakanga kusiri kuvharidzira zvakakwana kubhadhara uye yakanga isiri yedzidzo yekubhadhara mari. Paiva nezvikonzero zvakawanda zvechikonzero ichi, asi zviviri zvezvinhu zvakakosha zvakaonekwa sezvo
Chikamu chekupa mazano chikwereti chinonoka mumutambo wehuwandu hwevadokari. Vakasvika pane imwe nzvimbo apo ruremero chete rwavanowana runhare kuburikidza nekunyora pasi.
Vakawanda vane chikwereti vanowedzera kubhadhara kwete nekuda kwehutano husina mano hwekuita mari, asi nekuda kwechiitiko chakavhiringidza hupenyu hwavo: sechirwere chekurapa chakanyanya, kurambana, kana kusakwanisa basa. Kubhadhara mari yechikwereti hakuiti zvishoma kuderedza mumwe munhu kuti asaisa chikwereti apo huwandu hwezvikwereti hwakakonzerwa nezviitiko izvi zvinochinja upenyu.
Post-Petition Financial Management: Chechipiri, mushure mokunge uchinge wabvisa chikwereti uye musati wapera, mutero wose unofanira kutora mari yakagamuchirwa yekugadzirisa mari.
Kazhinji inonzi Chikamu 2 chechikwereti chekudzidziswa kwemari, sangano reCCLC rinoshuma kuti iyi ndiyo imwe nzira iri nani yekudzidzisa vane chikwereti kupfuura Chikamu 1. Chikamu 2 chinokurukura nzira yekufambisa mberi, kuchengetedza mari, bhajeti, uye kuvakazve chikwereti .
Dambudziko nekambani yekugadzirisa mari ndeyekutuka. Hazvisi zvakadzika zvakakwana kana nguva yakakwana yekupa ruzivo uye chiito icho munhu ane chikwereti anoda kuti atange kufambira mberi.
Ongororo yeCCLC pamusoro pemari yemari inotsanangurawo kuongorora kwakaongororwa nevateresi mushure mokunge vabuda kubva kubhengi kuti vaone kuti kudhinda kwave kuchinje hupenyu hwavo. Chimwe chetatu chakashuma kuti mamiriro avo akafanana kana kuti akaipisisa kupfuura asati atora. Chikamu chechina chakareva kuti kubhadhara mari yakaramba iri dambudziko. Kusava nemari yakagadzirika yakaonekwa kuva chinhu chinokosha muupenyu hwevaya vanoramba vachirwa.
Chii Chinoshanda?
Mamiriro ako akasiyana zvakanyanya pane vamwe vanhu vanorondedzera. Iwe sezviri pachena wakazviwana uri mumucheka uyu nokuti - ngatitaurire sezviri - kusava nemari yekugadzirisa mari, kana kuti kusada kufarira maitiro ekukwereta.
Iwe unonyanya kuwana kubva pakuteerera kutora kwako. Iwe unoziva zvauri kuuya iwe. Unongoda kuziva nzira yakanakisisa yekuishandisa. Ngatitaurei nezvemamwe nzira yekuita izvozvo.
Chitsauko 13 Purogiramu Yokubhadhara Ndeipi Mhinduro?
Funga nezveChitsauko 13 ronga sewe iwe ungadai uchitora kurasikirwa. Icho chinhu chikuru, uye chinomanikidza nyaya yacho. Uine chirwere chekurasikirwa kweutoro unofanirwa kudya zvishoma. Chitsauko 13 chinokumanikidzira kushandisa mari shoma. Iwe unofanirwa kutevedzera bhajeti, uye kwete iyo inopa zvikuru. Iwe unopedza makore matatu kusvika mashanu uchiita mimwe mwedzi kubhadhara. Iwe haugoni kutora chikwereti chitsva munguva iyo usina kuwana mvumo kubva muruvanze uye kuva nechikonzero chaicho chaicho. Kune vanhu vakawanda, kuchinja kwakanaka kubva kune mhirizhonga kuti itonge.
Nzira dzekubudirira
Kuchinja Maonero: Kana iwe uchiedza Chitsauko 13 kana kwete, iwe nomurume wako muchada kuchinja mune mafungiro emari, kana kuti muchazviwana zvakare kumashure muno mumakore mashomanana. Heano mamwe mazano anofungidzirwa.
Kunyange zvazvo ichokwadi kuti zvinhu zviduku zvinowedzera, ndinotenda mukutanga nekushandurwa kunogona kuve kwakanyanya.
Budget Kubatsira: Kana iwe uri tech savvy, funga kushandisa purogiramu yefoni kana webhusaiti kuti ikubatsire kutarisa mari. Zvirongwa zvakadai seMint naBillguard zvinogona kusunga mubhengi rako rebhangi uye makadhi ako ekwereti kuti awanezve uye agadzire zvinhu zvako zvemari. Iwe wakagadzirisa bhajeti uye aya mapurogiramu achakuona iwe kana wapfuura. Uye, iyo ichangotangira.
Tanga yeEmergency Fund: Mushure mekuisa faira, iwe haugoni kushandisa makadhi emakadhi sekikisi kana panokurumidza kuitika. Iwe unotanga kutanga chirongwa chekutsvaga. Mwedzi woga woga, ipai zvaungadai wakashandisa kuita kadhi rako rechikwereti mari isati yasvika. Ita izvi zvisati zvaitika iwe usarudza kuti une mukana wekusunungura bhajeti yako yezvinhu zvakadai sezororo uye maTV. Funga kuti zvinotora chikamu chemadhora 2 000 pamwedzi kuitira mhuri inoshandiswa kuenzanisa nenguva yekushaiwa basa.
Imba Yakanyanya? Iwe unonyatsoda here 3000 square foot house? Ndiine dziva. Uye motokari mitatu yemotokari. Uye ane makore makumi mana. Uye kushanya kwevhiki nevhiki kubva kunzvimbo yekuchenesa? Kwete iwe hauiti. Ndakamutsa vana vangu mune 1 600 square square townhouse ine patio.
Izvi zvinoenda kumotokari, zvakare. Isu tose tinoziva mari yekutengeswa kwemotokari itsva. Iye zvino, inenge imwe yevatengesi vemotokari yakashandiswa ine nzvimbo iri paIndaneti uye iwe unogona kutenga pafoni yako. Iwe unogona kutengesa zvekutengesa kune zvakanakisisa mari yekuita mari.
Kunyanya Kupedza Zvokudya? Wakambotenga $ 5 ice cream cone ndokufunga, "Ndinogona kutenga kanda ye ice cream paresitorendi (maviri inotengeswa pachitoro chekutengesa), pane zvandakangobhadhara imwechete uye yeaffle cone." Chokwadi , zvinonakidza kuenda kumapurisa e-ice cream, asi kumhuri ine vana, iyo inenge $ 20. Maererano neBhood of Labor Statistics, muna 2015 mavhareji emhuri yeAmerica akapedza mavhareji $ 3008 paresitorendi ndokutora. Enzanisa izvozvo kune $ 4015 yatinopedza pane zvekutengesa.
Ndinoshamisika kana zviyero izvi zvinosanganisira kawa fancy kawaini? Ivhareji yeAmerica inoshandisa $ 780 pagore pamisha yekofi . Kana soda, iyo yatinodya 44.7 galoni pagore. Iyo inenge 240 mazai 12-ounce, kana akapoteredza $ 80 (mubhokisi) kana $ 240 (mune vending machine). Ndiwo munhu wese.
Pane kunwa mvura zhinji. Uye, handisi kutaura pamusoro pemhando yemabhodhoro. Kana iwe usingadi mvura yako yemapopu, tora firati yemidziyo, kana kuwedzera slice kana maviri emon.
Dzvora Cambo: Zano rakapererwa nguva rinoshanda. Rega izvo zvausingadi. Iwe haufaniri kutengesa TV. Ndaimbofunga kuti ndaida cable TV nekuti ndaiva nevana vaviri pamba. Pavakabuda kunze kwemba, hapana kana mumwe wavo akawana tambo yeTV. Chokwadi yakandiratidza.
Vana Vana Mari Mari, Ndizvo here? Uye, kutaura nezvevana, vako vari vaduku zvokuti iwe unogona kuvadzidzisa ikozvino kuti havakwanisi mari shoma ye $ tennis shoma kana vhidhiyo game. Mushure mokunge mwanasikana wangu ane makore gumi nemaviri aine kugadzikana apo ndakaramba kumutengesa chikafu chemadhora makumi mana muchitoro chebazi, ndakamutora kuenda naye mune rimwe rekuchengetedza. Aifara kuti aende kunze nemabhandi maviri ezvokupfeka izvo zvandakabhadhara mari shoma pane $ 10.
Iva Nezvishoma Zvishoma: Kana iwe uchida kutenga ganda rekugadzira gorosi, icho chinhu chakanaka chinenge chiri kunze kwekudikanwa, heino nzira yekufunga nezvekutenga.
- Iwe haufaniri kuzvida saka usazvitenga.
- Kana iwe uchida chaizvo, tarisira zuva, vhiki, kana mwedzi usati waita. Pane mukana wakanaka wekuti chido chichanyangarika.
- Edza kuiwana yakashandiswa. Isai kudanidzira kune shamwari dzenyu dzinogona kunge dziine guruva. Tarisa kunze kwekutengesa uye mabhizimisi ezvinyorwa, peji yako yekutsvaga yeruzhinji kana Craig's list. Unonzwa kushamisika nezvekutenga kushandiswa? Tora pamusoro pazvo kana kuzvinyaradza nemuenzaniso "wakarongedzwa".
- Kana iwe uchiuisa mumba, tsvaga imba itsva yeimwe chinhu chakafanana nekukura, kukosha, kana kushandisa. Funga kuitengesa paIndaneti.
Idzi ingongova mazano mashomanana anogona kukubatsira kuti uwane kutarisa uye kuenzanisa. Hupenyu hwako hunotevera-bankruptcy hunofanira kunge hunosanganisira kungoshandisa kadhi kadikiti yemakadhi. Iwe unoda nzira itsva yekufunga. Asi iwe wakachenjera, unokurudzirwa, uye iwe hauzombodi kuita kudzokera kushanho kuhofisi yako yebhengi yebhengi.