Kuisa Mari Yako Chekwereti Chekwereti
Chikwereti chekwereti chikwereti chikwereti inzira yekubata nekwereti yako kadhi chikwereti nekubhadhara zvishoma kupfuura iwe chaizvoizvo. Kunyange zvazvo chikwereti chekugadzirisa chikamu chiri pasi panyorwa yezvidikanwa zvikwereti zvinogadziriswa , ndiyo imwe yaunogona kufunga kana iwe uri kunze kwezvasarudzo uye pamucheto wekudarika kubhadhara.
Iko Chikwereti Chekwereti Chetongwa Chekuita
Pane nzira mbiri dzekugadzirisa chikwereti chako chekwereti chikwereti: uchishandisa kambani yekugadzirisa chikwereti kana iwe pachako.
Apo vanhu vachifunga nezvekugadzirisa chikwereti vanogona kuda pfungwa yekuve nekambani inoita basa rose kwamuri, makambani ekugadzirisa chikwereti anofanira kunyanya kudziviswa. Vanounganidza mari yako kwemwedzi musati maita kugadziriswa kwekugadzirisa - kana vachiita chipo zvachose. Iyi pfungwa yekuunganidza mari ndeyekuvaka mari yakakwana yekugadzirisa zvinopiwa iwe unogona kubhadhara zvakakwana pakarepo. Zvinosuruvarisa, apo zvikwereti zvako zviri kuwedzera, iwe ucharamba uchigamuchira kukohwa mafonera uye maitiro asina kubhadhara pamushumo wekwereti yako. Iwe uchawana zviri nani uye zvinokurumidza zvigadziro kugadzirisa zvikwereti uri woga.
Unofanira Kuisa Mari Yako Zvikwereti Zvakadini?
Usati wagadzirisa kadhi rako rechikwereti chikwereti , unofanirwa kusarudza kuti ungabhadhara mari yakawanda sei. Iwe unogona kukwanisa kubhadhara zvikwereti zvako zve 10% kusvika ku60% yebhadharo yakatarwa, zvichienderana nemunhu ane chikwereti uye makore ezere chikwereti. Kazhinji, kunyanya kukanganisa nhoroondo yako uye yakakura kudengenyeka, zvakaderera chikwereti chikwereti chinoda kugamuchira kugutsikana chikwereti, asi izvi hazvisi nguva dzose.
Lump-Sum vs. Mipiro Yakawanda
Iwe unobhadhara mune imwe yenzira mbiri - kubhadhara kakawanda kwemazuva kana imwe chete yemari-chikwerepo. Vanhu vane chikwereti vanosarudza chikwama chemari kana kuti mashomanana okubhadhara (sa 2-3) uye havawanzobvumirwi kubvumirana kugadziriswa kunofanira kubhadharwa kwemwedzi inoverengeka. Ratidza kuti chikwereti chaunogona kubhadhara zvakadini pakarepo uye kupa mari iyo yekutanga.
Kutanga kukurukura kwako, kupa chiyero chakaderera pane zvaunenge uchida kubhadhara. Nenzira iyo, iwe une imwe nzvimbo inowanikwa kana mukwereti wako achida kutaurirana.
Kutaurirana neGuta
Kana uchinge uine sarudzo inopa mupfungwa, sidza kambani yako yekadhi yekwereti uye utaure nemutungamiriri, mumwe munhu anorasikirwa, kana dhipatimendi rakafanana. Vamiririri vevashandi vekutenga iwe unotanga kutaura navo havawanzobvumirwi kutora chikwereti chekugadzirisa zvipo, zvinowanzoti iwe unoziva, kunyange zvazvo vasina simba rekugamuchira chipo chako. Nguva dzose edza kutaura nemumwe munhu ane humwe simba mune kambani.
Panguva yekudanwa, ona kuti unonyora pasi zita, nhamba yefoni, nekuwedzerwa kwemunhu waunotaura naye. Uyewo nyora zuva uye nguva yekudanwa uye mugumisiro. Usarega nefoni imwe chete. Iwe unogona kuve wakasiyana uye unowanzopindurwa mhinduro kubva kuvanhu vakasiyana-siyana kune mumwe chete akakwereta uye dzimwe nguva kunyange munhu mumwechete mumazuva akasiyana.
Credit Card Debt Settlement Watchots
Kana kadhi rako rechikwereti richiri kuzaruka, kambani yako yekadhi yemakadhi ingangovhara kadhi rako rechikwereti mushure mekugadzirisa chikwereti chako. Iwe unogonawo kuva nechikwereti chako chechikwereti chinoderedzwa kana kubvisa zvose pamwe chete kana uyo ane chikwereti achiziva kuti haunoronga kubhadhara mari yakazara.
Chikwereti chekwereti chikwereti chikwereti chinoda kuti iwe uve mwedzi mishomanana mushure mekubhadhara kadhi rako rechikwereti . Panguva iyoyo nenguva, chikwereti chako chikwangwani chingaitora zvakanyanya. Izvozvo zvichava zvakanyanya kana iwe wakanonoka pane imwe kadhi rechikwereti.
Hurumende yehurumende inoda kuti iwe ubhadhara mitero pane chikwereti chakaregererwa , kusanganisira chikwereti chakaregeswa kuburikidza nekwereti yemari chikwereti kugadzirisa. Chinhu chakakosha, iwe unokwereta hurumende yehurumende mari yakawanda inoreva kuti iwe uchawana chengoro shoma rekubhadhara mari kana kuti uwane mari yakawanda kune IRS.
Kugumisa Nzvimbo Yenyu Yokugara
Chibvumirano chokupedzisira chokugadzirisa chinofanira kunge chakanyorwa. Unogona kunyora chibvumirano chako pachako kana kuti kambani yako yekadhi yemakadhi inokutumira chibvumirano. Iva nechokwadi chokuti iwe nemumwe munhu kubva kambani yako yekadhi yemakadhi yakasayina chibvumirano usati watumira mubhadharo.