Sezvo iwe zvichida watoziva, chikwereti chinotora chikamu chikuru muupenyu hwako hwemari. Haisi kungoita kuti iwe ushandise mari yako, inobatsirawo zvakakwana pane yako chikwereti chikwanganiso uye zvakakonzerwa nekukwanisa kwako kukwereta mari kana kubhadhara inshuwarisi yakaderera.
Kubhadhara Kwakaitwa Nekwereti Kwaunoita Chikwereti Chako
Kuwanda kwechikwereti chaunazvo ndechimwe chezvinhu zvikuru zvinopinda muchikwereti chako chikoro; Nhamba yako yekwereti ndeye 30% yekwereti yako chikoro.
Chikwereti scoring calculation chinoshandisa kushandisa chikwereti chako - chiyero pakati pekhadhi yako yekwereti uye chikwereti chako chekwereti - pane imwe yemakadhi ako ekwereti uye yako yose yekushandisa chikwereti. Izvo zvikwereti zvikwereti zvekadhi rako rechikwereti zvakaenzana nemukwereti wako wemari, iyo inowedzera kunetseka chikwereti chako chikwereti. Maxed-out-the-limit balance balance is the worst of all.
Mari yako yechikwereti inofungawo kuti kuswedera kwako chikwereti chekukweretesa chiri pedo nemari yekutanga yemari. Kubhadhara chikwereti chako chemari chikwereti chiri nani kune chikwereti chako.
Kutakura chikwereti chakawanda, zvikurukuru kadhi rechikwereti chikwereti chinokuvadza chikoro chako chekwereti uye kukwanisa kwako kugamuchirwa kwemakadhi emakadhi nemakwereti. Kunyangwe kana chikwereti chako kune chekuwana chikamu chiri pasi, kana chikwereti chako chichikuvadza chikwereti chako chikoro, unogona kuramba uchirambwa. (Cherechedza kuti mari yako yaunowana haisi iyo inowanikwa mune chikwereti chako.)
Unogona Kubata Chikwereti Chako Here?
Nzira yaunoshandisa nayo chikwereti inobatsirawo pane chikwereti chako.
Kubhadhara zviyero zvako nokukurumidza kunobatsira kukwidza chikwereti chako nokuti iwe uri kuderedza chikwereti chako chekushandisa. Kana chikwereti chako chakanyanyisa kushanda, chikwereti chako chikoro chingatambura. Somuenzaniso, kana uchinge usina kukweretwa nokuti haugoni kutenga chikwereti chako, iwe ucharasikirwa nezvikwereti zvekwereti.
Kusarudza chikwereti kugadzirisa kana kubhadhara kusangana nechikwereti chako kuchaguma mukukwereta kwekwereti kunotora mwedzi inoverengeka, kunyange makore, kuti adzoke kubva.
Kubhadhara mari uye kubhadhara zvikwereti hazvikanganisa zvakakwana chikwereti chako. Asi, kudyidzana kwemari chikwereti kunogona kuva nemigumisiro yakaipa pachikwereti chako. Iwe unogona kupiwa chirango nokuda kwekuzarura nhoroondo itsva, chiito chinoderedza chikamu chako chekukweretesa makore. Zuva rechikwereti ndeye 15% yekwereti yako chikoro. (Kunyange zvazvo zvimwe zvikwereti zvingagadzirisa zvinogona kukuvadza chikwereti chako chikwereti, zvingave zvakakodzera kufungisisa.Unogona kuvakazve chikwereti chako chikoro kwenguva refu, uye kusina chikwereti chakanaka chiri chakanaka nokuda kwehutano hwako hwose.)
Chikwereti Chine Rubatsiro Rwakakosha Here?
Imwe yenhema dzekuvaka chikoro chekwereti ndeyekuti unotakura chikwereti chekwereti chekwereti kuti uwedzere chikwereti chako chikwereti . Icho hachisi chokwadi. Sezvaunoverenga pamusoro, kutakura chikwereti chekwereti chikwereti chakakwirira chaizvo kunokanganisa chikwereti chako. Iwe unogona kushandisa kadhi rechikwereti, kuripa chikwereti chakazara mwedzi mumwe nomumwe, uye kuvaka chikwata chekwereti chakanaka pasina kupinda mune chikwereti.
Tumi muzana yekwereti yako chikoro inofunga nezvemhando dzeakanyorwa iwe. Kuva neruzivo nemhando dzakasiyana-siyana dzekatekiti - makadhi emakwereti uye zvikwereti - zvinobatsira kuwedzera chikwereti chako. Saka, kana iwe usati wambotora chikwereti, chikwereti chako chikwereti chinogona kukwira kana chikwereti chiri kuwedzerwa kune chikwereti chekwereti yako. Asi, haisi iyo pfungwa yakanaka yekutora chikwereti kuitira kuti uwedzere chikwereti chako chikoro.
Zvinogona kudzorera. Rega chikwereti chako chikwata chigadzire zvakasikwa nekukwereta mari chete yaunoda.