Chikwereti Chikwereti Chinogona Kubatsira, asi Ongorora Zvaunoda
Kana iwe uchinetseka nekudzidza nzira yekuvandudza bhajeti yakanaka kuitira kuti iwe uwane matanho ako akabhadharwa nenguva nguva yemwedzi, unogona kufunga nezvekushandisa chikwereti chekwereti kuti udzoke panzira. Vashandi vemazano ekukweretesa chikwereti havasi mapurofisi achakubatsira kuwana mhinduro inoshanda kumatambudziko emari.
Zvisinei, mamwe masangano ekubhadhara zvikwereti asingabatsiri anotenga mari yakawandisa iyo isingashandisi kuderedzwa kwematokari .
Paunenge uchitarisa chikwereti chekwereti, zvakakosha kushandiswa. Ngwarira uye uzive kuti unofanira kutsvaga kuti uwane zvikwereti zvakakodzera zvekubhadhara zvikwereti zvinotapudza, kwete kuwedzera kune, chikwereti chako.
Zvaunotarisirwa Kubva kuMutengi weChris Counseling Agency
Mapurisa anozivikanwa anopa mazano ekugadzirisa mari, anogona kukubatsira nekugadzira bhajeti uye kupa hurukuro dzedzidzo dzisina ruzivo uye zvigadzirwa. Vadzidzisi vakanaka vanobvumirwa uye vanopa mari uye vadzidzisi vekukweretesa chikwereti kuti vakubatsire.
Purogiramu yekupa mazano ekutanga inogona kupedza nguva inenge awa nezvirongwa zvekutevera zvakarongwa kana zvichidikanwa. Mupi wezano achakurukura nezvemamiriro ako emari newe kuti uve neurongwa hwehupenyu hwako hwekutora chikwereti chako uye kuwana mari yako yakagadzikana. Zvichienderana nehuwandu hwechikwereti chako mupi wezano anogona kukurudzira chirongwa chekubata chikwereti apo iwe unoita mwedzi mumwe nomumwe kubhadhara uye vanobhadhara vane chikwereti.
Mupi wezano achakurukurirana mari yekupedzisira, kutora kwechirwere chekuda, uye kushandiswa kwemazwi nevatengi vako.
Usati usayina nebazi rinotaura kuti maitiro avo ndeimwe kushandiswa kwebhengi . Aya masangano anotaurawo kuti mabasa avo haabatsiri chikwereti chako. Vanogona kukuudza kuti urege kurega kubhadhara vatengi vako uye kutumira mari iyo kuhofisi.
Iyoyo pfungwa yakaipa nokuda kwezvikonzero zvitatu.
Chokutanga, kubhadhara kwekupedzisira kunogona kuparadza kune chikwereti chako. Iko mari yechikwereti yakaderera inogona kuita kuti zvive zvakaoma kuti uwane chikwereti chitsva gare gare uye chinogona kukonzera kukwanisa kwako kubvarhara imba kana kuwana basa refoni sezita rako. Zviratidzo zvisina kunaka, zvinosanganisira nguva dzekupedzisira, zvinogona kuramba uri pane chikwereti chenhoroondo yako kusvika kumakore manomwe.
Chechipiri, hapana chivimbiso chokuti vatengi vanobvuma kubhadhara chikamu . Vanogona kuramba mamwe mazwi ayo kushandiswa kwemamwe mabhiriro anokurudzira, achikusiya iwe unogona kunge wakanyanya kuipa kupfuura iwe pawakatanga. Pakupedzisira, mari yekupedzisira uye mari inowedzera pazviyero zvisina kubhadharwa. Ndiyo mari yaunofanirwa kubhadhara, pamusoro pemari ipi zvayo yakawanda mari yechikwata chechikwereti chairo chingangodhura.
Nzira Yokusarudza Mutengi Chikwereti Chakanaka
Panofananidza vatengi vechikwereti vechikwereti, kune zvinhu zvishoma zvokuchengeta mupfungwa.
Chimbofunga icho chivara chepepuru kana chikwereti chekubhadhara chikwereti chisina kutumira rusununguko rwemashoko pamusoro pegadziriro isati yakumbira mamwe mashoko pamusoro pemamiriro ako. Chengetedza Bhizimusi Bhizimisi Bhizinesi, sangano rekuchengetedza vatengi vemo, uye neNational Foundation yeCredit Counseling pamusoro pekodzero yerongwa rwemasangano ekupa mazano.
Iyi masangano anokwanisa kuona chero ipi zvayo yakave nematambudziko ekugadzira vatengi. Zvisinei, kusava nekunyunyuta hakusi kuvimbiswa kwekuti vakarurama.
Sekutevera gadziriro, taura nehurumende yeUnited States Trustee kuti uwane mazita ehurumende yakagadziriswa mazano ekubhadhara chikwereti inogona kupa mazano ekugadzirisa mazano kare.
Kana wangove wakanyora pasi pezita rako, bvunza chikoro chekupa mazano kubhadhara mibvunzo iyi:
- Ndezvipi zvinoshandiswa? Iwe unoda sangano rine mararamiro ehutano hwakadai sebhajayiti yekupa mazano uye makirasi ekuchengetedza chikwereti . Simba rinobva kune mamwe masangano ane chikwereti chekugadzirisa chirongwa (DMP) sechisarudzo choga. Vanofanira kupa mamwe mazano ekupa mazano pamwe chete.
- Iwe unopa ruzivo rusununguko here? Masangano haafaniri kupa mari yezvikoro zvekudzidzisa kana ruzivo pamusoro pejeri.
- Unotengesa mari here? Tora mitengo yakananga yekuisa-up kana mwedzi dzemari, kana zvichibvira.
- Ungandibatsira sei kuti ndirege kudzivirira matambudziko emangwana? Iwe unoda chirongwa chekutarisira chikwereti , kwete chirongwa chinokurumidza kubvisa chikwereti chemarikiti.
- Icho chikwata chinobvumirwa kupa hutano hwehutano huri munyika here? Vakuru vako vanopupurirwa uye vakarovedzwa nevasiri vemuviri here?
Kana iwe uchinge wapinda muchikwata chekupa chikwereti chikwereti chiri kusada kupindura mibvunzo yako kana kuti havagoni kukupa chero ruzivo kusvikira iwe uchivapa ruzivo rwebhangi rako rebhangi kana kubhadhara mari, iyo chiratidzo chekuyeuchidza kuti vangave vasingazivikanwi. Muchiitiko ichocho, iwe uri nani kutaura uchionga, asi kwete nekuda kwemabasa avo.
Ndiko Muteresi Wemazano Okupa Mazano Okutsigira Zvakakodzera Mamiriro Ako Ako?
Kutaura nevatengi vekubhadhara mari yevatengi ndiko kutanga. Zvadaro, unofanirwa kuziva kana maitiro acho chaizvoizvo zvaunoda, kana kuti iwe unogona kuita zvakawanda iwe pachako. Yeuka, kukurudzira kupa zano hakuiti chero chaunogona kuita; ivo vanongoti vatungamirire nzira yakanakisisa yekugadzirisa chikwereti chenyu. Iwe unogona kutumira chikwereti uye kutaurirana nemitemo yekubhadhara yenyaya yako. Chero ani zvake anogona kuita izvi ari oga, asi dzimwe nguva vanhu vanoda rubatsiro rwechipiri runoramba ruchiri munzira.
Chimwe chikonzero ndechekuti iwe haungakwanisi kurangwa pakushandisa uye nekugadzirisa zvisungo zvemari pasina rubatsiro rwekubhadhara mari. Vadzidzisi ava vanogona kukudzidzisai kuti mugare muchirongwa nemari yenyu. Chikonzero chauri kufunga nezvemashumiro aya ndechekuti iwe wawa kubva pamanzwi emari nzira. Kushandisa rubatsiro rwechikwata chekupa chikwereti chikwereti kunogona kukubatsira kuwana mari yakasimba .
Kana ukasarudza kushandisa zvikwereti zvekubhadhara chikwereti , verenga chibvumirano chebvumirano usati wasayina. Chibvumirano chinofanira kuzivisa mari kana kuti mari yezvipo; tsanangudzo yemabasa; purogiramu inofungidzirwa payo purogiramu; kugadziriswa zvirongwa; uye, kugadzirisa kukakavadzana kwenzira. Kumbira kutsanangurira pane zvipi zvese zvausinganzwisisi.
Kuda kwekusununguka kwemari ndeyevanhu vakawanda vanogovana. Kana ukasarudza kushanda nevhidhiyo rekubhadhara chikwereti chevatengi, iva nechokwadi chokuti vavariro dzavo dzinofananidzwa newe uye iwe hauna kusungirwa kune tsvina inogona kukuisa muhomwe huru yemari.