Chii Chinoitika Kana Iwe Zvichida?
Hazvishamisi kuti kusagadzirisa chikwereti kunouya nemigumisiro.
Izvo zvakanakira zvinoenderana nemamiriro ako ezvinhu (akadai sorudzi rwechikwereti, rwakarondedzerwa pasi), asi iwe unogona kazhinji kutarisira kuipa kwekwereti yako nekuwedzera mari.
Chikwereti uye matambudziko emutemo: Chikwereti chako chinotambura kana iwe ukakundikana kuita zvikwereti zvako zvinoda. Kwemazuva makumi matatu ekutanga mushure mekubhadharwa kunokonzerwa, iwe unenge uri pachena. Mushure mezvo, vateresi vanoripoti vanorasikirwa nehomwe yezvikwereti zvekwereti , zvichiita kuti zvikwereti zvishoma zvikwere . Nhamba dzepasi dzinoita kuti zvive zvakaoma kuwana zvikwereti mune ramangwana, uye zvikwereti zvishoma zvekwereti zvinogona kukanganisa dzimwe nzvimbo dzakawanda dzehupenyu hwako. Somuenzaniso, unogona kuva nenguva yakaoma yokukodha, kuwana basa, kuwana zvishandiso uye kushanda kwefoni, uye kutenga inshuwalisi .
Pakupedzisira, zvikwereti zvisina kubhadhara zvinogona kutumirwa kune masangano ekuunganidza. Kokorodzano inokuvadza chikwereti chako, chinogona kutungamirira kumatare edzimhosva pamusoro pako, uye inogona kudhura. Sezvo zvinhu zvichifambira mberi, vateresi vangave vakakwanisa kugadzirisa mubairo wenyu kana kutora zvinhu kubva kubhangi dzenyu dzebhangi .
Kuda mari: Kuita kuti zvinhu zviwedzere kuipa, mari yako yemari inogona kukura kana iwe usina kukweretesa chikwereti. Mari yekubhadhara mushure mekupedzisira, zvikwereti, uye mari yepamutemo inogona kuwedzerwa ku-akhawunti yako, kuwedzera chikwereti chaunenge uine chikwereti.
Mhando dzeMari
Zvichienderana nerudzi rwechikwereti iwe unotadza, zvinhu zvakasiyana zvinogona kuitika.
- Zvikwereti zvakachengetedzeka: Kana chikwereti chakachengetedzwa nekutengesa seimba yako kana motokari, uyo anokweretesa anogona kutora iyo pfuma uye kuitengesa.
- Zvikwereti zvomunhu oga: Kwezvikwereti zvisina kuchengetedzwa (izvo zvisina kubatana zvakabatana), vateresi vanogona kukuvadza chete chikwereti chako uye kuedza kuunganidza kuburikidza nokutora matanho emutemo.
Mari yekukwereta: Kana iwe wakatenga kana kugadzirisa imba yako nemari yako (kana yakweretwa nayo neimba yekuenzanisa chikwereti chechikwereti kana yechipiri chikwereti ), wako chikwereti angakwanisa kukumanikidza kuburikidza nekutsvaga uye kutengesa imba yako kuti uwane chikwereti chemari . Kana kutengeswa kusingabatanidzi mari yose yaunokwereta, iwe unogona kunge uchiripa mutsauko kana " kushayikwa ," zvichienderana nemitemo yenyika.
Motokari: Auto zvikwereti zvakafanana. Kana iwe usina kutora chikwereti chemotokari, motokari inogona kudzoswa uye kutengeswa . Zvakare, iwe unogona kubhadhara chikwereti chipi nechipi kana motokari inotengesa zvishoma kudarika iwe unokwereta (izvo zvinogona kuitika nekuda kwekuderera kwekukurumidza , kana kana iwe wakangodaro wakanamatira kune chikwereti ). Repossession inokwanisika kune chikwereti chepakutanga chawakamboshandisa kutenga motokari, uye chero chikwereti chetsika chawakatora kuti uwane mari yakawanda.
Zvikwereti zvevadzidzi: Zvikwereti zvevadzidzi zvinokubvumira kubhadhara uchishandisa nzira dzakasiyana uye zvichida kunyange kudzoka (kana kuti " defer ") mubhadharo paunowira panguva dzakaoma-asi iwe unowanzorasikirwa nemisarudzo iyo kana iwe usina kutora chikwereti chemudzidzi.
Uyezve, zvikwereti zvevadzidzi zvinonyanya kuoma kubvisa mubhadhadzi. Sangano rehurumende yezvikwereti zvinokweretesa -zvine ushamwari , asi kana iwe usina kukweretesa pane zvikwereti:
- IRS inogona kubvisa zvikwereti zvemitero kubhadhara chikwereti.
- Dhipatimendi re Dzidzo inogona kugadzirisa mubairo wako nyore nyore .
- Iwe unogona kugamuchira zvishoma pasi Social Security payments.
Marikiti yemakadhi: Kuchinja pane chikwereti chekwereti chekwereti ndiyo inonyanya kusuruvara, asi chikwereti chako chinotambura, uye kero yako inogona kutumirwa kuzvikamu. Tarisira kuti uone mari inowanikwa kune chikwereti chako, uye masangano ekuunganidzira achaita foni dzisingagumi uye mamwe maitiro ekuunganidza.
Zvimwe Zvimwe: Kuzvidzivirira Kusingaiti
Zvichipa migumisiro, zvakanakisa kuti usapinda. Kuita izvi kunoita kuti zvisarudzo zvako zvizarurire-iwe unogona kugara uchitadza, asi zvakaoma kuchenesa zvinhu mushure mekunge iwe ukayambuka chiyero.
Kukurukurirana kunokosha apo iwe unomhanya mune dambudziko rezvemari. Rega chikwereti chako kuziva kana uri kuomerwa nekubhadhara. Kubva pane unotora chikwereti chako, kukanganisa kunogona kutarisa imwe yenzira mbiri:
- Anopa chikwereti chako anotora misoro uye ane mukana we (unogona) kushanda pakugadzirisa newe.
- Mukwereti anoona kuti iwe wakamira kurega kubhadhara, saka vanotanga kuedza kuunganidza.
Nzira yekutanga ingangove yakanakisisa kune vose vanobatanidzwa.
Kana iwe ukashanda chero rudzi rwe "urongwa," runyorwa rwekukurukurirana, uye uwane zvibvumirano nekunyora usati watora matanho. Iwe unogona kunge uchipa ruzivo rwega rako semari yako yemwedzi nemari uye mari, asi chero rupiro rwepurogiramu yekubatsira inoda izvozvo.
Zvikwereti zvevadzidzi zvine zvakanakisisa zvingasarudzwa zvekuregererwa , kusanganisira:
- Kusarudzwa
- Kushivirira
- Mari inopiwa-based based
- Zvimwe urongwa hunoita kuti zvive nyore kubhadhara
Nzira chete yekuziva kuti zvaunosarudza ndeikutaura nemutengi wako. Nezvikwereti zvevadzidzi, chikwereti chako chinenge chisipo pashure pemakore 270. Taura neunokupa chikwereti nokukurumidza kuitira kuti uwane zvose zvakasungirirwa zvakanaka mberi kwezvimwe zviitiko.
Mari yechikwereti inogona kuumba kudzvinyirira mitoro, uye pane nzira dzakawanda dzekutarisana nechikwereti ichocho.
- Mari yechigadziro inogona kukurudzira uye inokubvumira kuchengeta chikwereti chako chiripo.
- Mipurogiramu yakawanda yehurumende iriko kubatsira vimba pamba mumatambudziko.
- Kuongororazve zvingakubatsira kuderedza mari yako yepamwedzi, asi iwe unoda kukodzera chikwereti (zvirongwa zvehurumende zvinogona kubatsira kana iwe uine matambudziko).
Nokuda kwekwereti kazhinji , zvingave zvichibatsira kutaura nemunhu ane chikwata chekwereti ane mvumo angakubatsira kuti uongorore mararamiro ako emari, uye ndiani anogona kugadzira chirongwa chekuita chikwereti (kana zvakakodzera mumamiriro ako).