Kadhi yako yekubhadhara kadhi rechikwereti ndiyo mari shoma yaunogona kubhadhara kune chikwereti chako chekadhi chekwereti usingatongororwi nekubhadhara mari uye nguva inogona kufarira kuwedzera. Kana iwe ukanyatsoteerera mutemo wako wekutengesa mwedzi wega wega, iwe zvichida wakacherechedza kuti mari yako shoma inogona kuchinja kubva kune imwe mwedzi kuenda kune inotevera.
Sezvo bhadharo yako shoma inogona kusiyaniswa mwedzi mumwe nomumwe, zvinogona kuva zvakaoma kuronga bhadharo yako, kunze kwekuti iwe unonzwisisa kuti mari yako shoma inotarwa sei.
Kana wakaziva kuti kadikiti yako yekubhadhara chikwereti inotora chikwereti chako chei zvishoma, iwe unogona kuenzanisa iwe pachedu yako zvishoma kubhadhara kuti unozobhadhara mari yakawanda sei pane yako kadhi rechikwereti mwedzi mumwe nomumwe.
Method 1: Percent of the Balance
Dzimwe chikwereti chekwereti chikwereti chekubhadhara mari shoma seperesenti yemari, iyo inenge iri pakati pe2% ne5%, pakuguma kwebhadharo yekubhadhara.
Semuenzaniso: Mari yako shoma ndeye 2% yemari yako uye iwe une $ 1,000 chikero. Mutero wako wekupedzisira unotarwa se: 1000 X .02 = $ 20.
Method 2: Percent of the Balance + Finance Charge
Mutero wako wepakati unogona kuverengerwa nokutora chikamu chemari yekupedzisira pamagumo ekubhadhara bhadha uye kuwedzera iyo mari yepamwedzi yebhadharo .
Semuenzaniso: Zororo rako shoma ndiro 1% yemari yako. Chikamu chako chekadhi rechikwereti i $ 1,000. Kadhi yako kadhi rechikwereti APR ndeye 12% uye mari yako yebhadha yemwedzi ndeye $ 10. Kufunga kuti iwe hauna mari, mari yako yepamusoro ichava $ 10 + $ 10 = $ 20.
Kuwedzera kuKubhadhara Kwako Kwishoma
Chirwere chemari uye chikwereti chekubhadhara chinogona kuwedzerwa kubhadharo inowanzogara ichiwedzera kuwanda kwebhadharo yako shoma yemwedzi iwoyo.
Uyezve, yako kadhi rechikwereti anokwanisa kuwedzera chero chiyero chinopfuura chikwereti chako chekwereti kusvika kumari yako shoma. Somuenzaniso, kana muyero wako uri $ 1,050 uye chikwereti chako chikwereti $ 1, chikwereti chako chakanaka chingave chikamu che2% chemari = $ 21 + $ 50 = $ 71.
Kana uchinge wawana, ubhadhara mari yakatarwa yakatarwa, uye uuye nemari yako pasi pemutengo wemari, chikwereti chako chakanaka chinofanira kuderera.
Mari Yenyu Isingakwanisi Kubhadhara Inotorwa Sei?
Iwe unogona kuwana nzira iyo yako yako kadhi rechikwereti anoshandisa nekuverenga chikamu chako chekadhi rechikwereti . Tsvaga chikamu chakanzi "Kubhadhara kwako kwakadzama" kana "Kuita zvikwereti." Kana uri kuverenga shanduro yemagetsi yemvumo yako yekadhi rechikwereti, unogona kushandisa Tsvaka basa (Ctrl + F kana Cmd + F) kuti uwane mashoko okuti "kuripa zvishoma." Mumiririri wevashandi vanogona kukubatsira kuti uone kuti mari yako shoma inotarwa sei.
Zvikonzero Zvaunogona Kubhadhara Pasi Paunogona Kuwedzera
Pane zvikonzero zvishomanana zvikwereti zvako zvishoma zvinogona kuwedzera.
- Iwe wakanga wakanonoka pamutengo wekare.
- Mari yako yakawedzera yakawedzera.
- Iwe uri pamusoro pemari yako chikwereti.
- Nharaunda yako yekutora yakawedzera.
- Chikwereti chekwereti chikwereti chakashandura chiyero chinoshandiswa muhuwandu, zvichive sekambani yemitemo kana kuti nokuti unoisa dambudziko guru rechikwereti.
Kuenzanisa Kwako Zvizere Kunogona Kuve Kwako Kubhadharwa Kwako Kwishoma
Mune zvimwe zviitiko, kadhi yako yekubhadhara chikwereti inogona kukumbira kuti iwe ubhadhe mari yako yakazara.
- Kana muyero wako uri pasi peimwe chiyero, sa $ 25, somuenzaniso, kubhadhara kwako zvishoma kunogona kunge kuri muzere wakakwana.
- Kana iyo nhoroondo yako yakabhadharwa, hauchazovi nehuwandu hwekuita mimwe mihomwe yako uye yako kadhi rechikwereti inoda kubhadhara zvakakwana.
- Kana iwe uine kadhi yekubhadhara, bhadharo yako shoma ndiyo chikwereti chakakwana pane kadhi rechikwereti. Nezvakasikwa, kukwereta makadhi hakubvumi kuti utakure kadhi rechikwereti kubva pamwedzi kusvika pamwedzi, saka haubvumirwi kubhadhara chikamu chechiyero mwedzi mumwe nomumwe.