High Interest Rate Card Chikwereti

Chikonzero nei zvakanakisisa kubhadhara chikwereti chakanaka chikwereti chekadhi kadhi kutanga

Kana iwe uine zvikwereti zvakawanda, mikana inenge yakasiyana nemari yemitengo, imwe yakakwirira kudarika vamwe. Muchikwereti chemari yezvikwereti, zvakanakisisa kubhadhara makadhi emakwereti nemari yepamusoro yemari yekutanga - kubva pakuona mari pane zvishoma.

Iko Kunokonzerwa neHigh-Interest Interest

Zvinodhura zvakawanda kutakura chikwereti pane yakakwirira-chikwata chekadhi rechikwereti . Ndizvo zvamunotora pamwedzi pamari yebhadharo inobva pane zvamunofarira kutora uye muyero wenyu - iyo inowedzera chikwereti chenharaunda yako, iyo inowedzera mari yako yekubhadhara ichave.

Kwete chete izvozvo, iwe unotora nguva yakawanda kuti ubhadhe kadhi, mari yakawanda inokubhadhara nokuti iwe unobhadhara zvakawanda mumhosva dzemari kana iwe uchibhadhara chikwereti chacho zvishoma nezvishoma. Kubhadhara chikwereti chakakwirira chekubhadhara chikwereti kutanga kuchengetedza mari uye kazhinji kukubvumira kubhadhara chikwereti nokukurumidza.

Nharaunda Dzakabatanidzwa Dzinobatsira Sei Chikwereti Chako?

Heino muenzaniso wokuratidza:

Ngatiti une makadhi maviri emakadhi.

1. Credit Card A ine $ 3,000 muyero uye 22% inhara yekutambira.
2. Chikwereti B ine bhadha ye $ 1,500 uye 12% inotora chikwata.

Ngatitaurirewo kuti iwe unogona kuisa $ 150 kubhadhara idzi zvikwereti. Iwe uchabhadhara chikwereti chemari kune imwe yematokari uye unobhadhara zvishoma pane imwe. (Iyi ndiyo nzira yakanakisisa yekubhadhara akawanda makadhi emakadhi.)

Kana iwe uchibhadhara Credit Card A kutanga, iwe uchabhadhara mari inosvika $ 1,283 muzvibereko, uye zvinotora mwedzi 39 kuti uve chikwereti pasina. Kune rumwe rutivi, kana iwe wakabhadhara chikwereti cheKadhi Card, iwe unogona kubhadhara mari inosvika $ 1,764 mubereko, uye zvinotora iwe mwedzi 42 kuti uve chikwereti pasina.

Kubhadhara chikwereti chakakwirira-chikwereti chikonesa $ 481 muchibereko , uye iwe uchabhadhara chikwereti mwedzi mitatu ichikurumidza.

Ungabhadhara Kubhadhara Kuduku Kushanda?

Kubhadhara chikwereti chakakwirira chekubhadhara chikwereti kutanga kunonzwisisika kubva pakufunga kwezvemari , asi iyo nzira haina kunaka kune wese wese. Dave Ramsey, muteereri-akaenda-akadzora-akatendeuka-mamionaire, anoratidza nzira yechando yekubhadhara zvikwereti zviduku kutanga pasinei nevechido.

Anoti kana zvikwereti zviduku zvichibhadharwa nokukurumidza, unoramba uchikurudzirwa kubhadhara chikwereti chinotevera uye chinotevera kusvikira iwe usina chikwereti.

Ichokwadi kuti nzira shoma-yekutanga-yekutanga inobvumira iwe kubhadhara zvikwereti munguva pfupi pakutanga. Mumuenzaniso wedu pamusoro apa, pasi pe-high-interest-rate-first method, iwe unogona kuva nekadhi rokutanga rakabhadharwa mumwedzi 31. Pasi pechiyero chiduku chiduku chekutanga, iwe unogona kuva nekadhi rokutanga rakabhadharwa mumwedzi 14. Kuva nekamberi zvakabhadharwa zvachose kunzwa kwakanyanya. Asi yeuka, zvinotora iwe nguva refu kuti ubhadhe chikwereti zvachose pasi pediki-chikwereti-chekutanga nzira.

Kana wakagadzirira kubhadhara chikwereti chako, unofanirwa kusarudza kana iwe uchida chikonzero chekubhadhara zvikwereti zviduku pamutengo wekushandisa mari yakawanda pane chido. Usapedza nguva yakawandisa uchifunga pamusoro; chinhu chinokosha ndechekuti iwe unotanga kunyange kana zvichireva kurega chikwereti chemari pakarepo.