Ndeipi chikwereti chakanakirwa nenzira yakanakisisa?
Nzira imwe neimwe inobatsira uye inotyisa, saka usati wasarudza kuti ungatora sei chikwereti chako, zvakakosha kuti unzwisise kuti chinangwa chimwe nechimwe chinosanganisirei uye nei imwe nzira inogona kana kuti isingave iri nani pamamiriro ako ega.
Chikwereti Stacking
Chikwereti stacking nzira (inozivikanwawo sechirongwa chekubhadhara chikwereti) inokurudzira kuti iwe uite rondedzero yemari yako yose, yakatarwa nehuwandu hwechikwata , kubva kune yakakwirira kusvika pasi.
Somuenzaniso, iwe unogona kukwereta:
- Mastercard, $ 2,500-19 kubva muzana, iyo inofarira chikwata
- Visa, $ 7,500-13 muzana, yechipiri-yepamusoro chibereko chekuda
- Mota Motokari, $ 4,000-8 muzana, chechitatu-yepamusoro-shanho yenhamba
- Mutero weVadzidzi , $ 1,900-5 kubva muzana, pasi pekuda kwechidimbu
Iko chikwereti stacking nzira inokurudzira kuti iwe uite chikwereti chiduku pane zvikwereti zvako zvose. Zvino, iwe unofanira kukandira mari yako yose yakawedzerwa pakubhadhara yako MasterCard, iyo ine yepamusoro yenzara, pa19 muzana.
Kana wapedza kubvisa chikwereti chako che19C kubva kune chikwereti che MasterCard, tora chikamu cheVisa, icho chine chikamu chechipiri chechikwereti, pa13 kubva muzana.
Zvichakutora nguva yakareba kuti udzorere Visa, sezvo ine mari yakakwirira, pa $ 7,500. Bata nayo. Pose pawakapedza, iwe unogona kutanga kubhadhara chikwereti nemari yepamusoro .
Pros: Iyi nzira inokuchengetedza mari yakawanda mukutora chikwereti.
Cons: Zvinogona kutora nguva yakareba kuti uwane chikwereti chakanyanyisa chakapfuura kubva pane rako. Iwe unganzwa uchinetseka mushure mekutsvaga nguva yakawanda nesimba nesimba mukubhadhara pasi chikwereti usinganzwisisi kukunda kwepfungwa yekuyambuka kubva pane yako.
Chikwereti Snowball
Maererano nejira yechando, iwe unofanira kukanda peni imwe neimwe kubhadhara chikwereti nemari yakaderera , pasinei nevechibereko .
Kana iwe ukashandisa nzira yechando, iwe unodzokorora zvakare urongwa hwepamusoro sezvinotevera:
- Student Loan, $ 1,900-5 muzana, yakaderera pasi
- Mastercard, $ 2,500-19 muzana, wechipiri-pasi-pasi
- Mari yeGari, $ 4,000-8 muzana, chechitatu-yakaderera
- Visa, $ 7,500-13 muzana, yakakosha
Iwe unogona kutora chikwereti chiduku pane zvikwereti zvako zvose. Zvadaro, iwe unogona kukandira penny imwe neimwe yakawedzerwa kune chikwereti nechikwereti chiduku, zvisinei nokuti chokwadi, mune imwe nyaya yakadaro, inewo chikwata chakanaka chechibereko.
Pfungwa iri shure kweiyo nzira ndeyokuti kubhadhara chikwereti nechiyero chiduku kunokupa manzwiro epfungwa ekukunda kana iwe ukayambuka chikwereti ichocho kubva pane yako. Iko kukunda mupfungwa kuchakukurudzira kuti urambe uchichengeta mari uye uchiripira zvikwereti zvako.
Pros: Iyi nzira inokupa manzwiro okukurumidza okukunda.
Cons: Zvinogona kutenga mari yakawanda. Kuita mari shoma chete pamutengo wako wepamusoro-chikwereti inoreva kuti iwe uchabhadhara zvakawanda mukufarira, kana uchienzanisa nedhora rekugadzirisa nzira.
Ndeipi Miitiro Unofanira Kuishandisa?
Mari yemunhu pachake, zvakanaka, iwe pachako. Kubhadhara chikwereti kunogona kunge kwakangofanana nekudya.
Zvechokwadi, pane zvirongwa zvakanaka zvekudya kunze uko, asi ngatiti tive nechokwadi: Vanhu vazhinji havasi kuzonamatira kune kudya kwakakwana. Kudya kwakanakisisa ndiyo iwe waunonamatira.
Kubhadhara chikwereti kwakafanana. Iva akatendeseka pakuita bhajeti inokodzera unhu hwako uye inokuchengetedza iwe. Iwe uchabhadhara zvakanyanya mukufarira kana iwe usati wakanamatira nechikwereti chako chemari .
Zvakanaka kuedza, zvakare. Kana chikwereti stacking nzira chinonyanya kuwedzerwa kwauri ikozvino, uye iwe unozviedza kwemwedzi mishomanana uye ukaona kuti haisi kushanda, hapana chikonzero chausingakwanisi kuchinjira kune chikwereti chechikwata chechikwata.
Kuva nechirongwa chinhu chakanaka, asi izvi hazvirevi kuti iwe unofanirwa kuzvibata pairi 100 muzana yenguva, mazuva 365 egore. Zvinhu zvinoshanduka, upenyu hunokanda mabhora emakumbo kwauri, uye unoda kuchinja. Iko dzimwe nguva zvinoreva kuchinja mararamiro ako emari.
Saka usazvirova iwe kana nzira yekutanga yaunoshandisa isingashande. Ramba pairi kusvikira uwana chimwe chinhu chinodaro.