Dear Carron:
Ndiri kutengesera kwekambani inotengesa midziyo yezvokurapa. Makore maviri akapfuura ndakanga ndisisiri kubasa kwemwedzi mitanhatu. Mudzimai wangu aitsigira mhuri nemabasa ake, asi zvinhu zvakanga zvakaoma. Takashandisa chikwereti chakawanda kuti tiite kuti tifambe uye tikashatisa mamwe makadhi edu. Takakwereta $ 5,000 kubva kuna baba vake.
Ini pakupedzisira ndakawana basa, uye tave tichifambira mberi pakubhadhara chikwereti chedu, asi zvinoratidzika sekuti tiri kure kwazvo muhomwe yatisingazombokwanisi kukwira. Maddie neni ndinoda kuisa bhadhaki, tiise izvi zvose shure kwedu uye tanga kutanga kutsva. Tisati taita, tiri kutarisira kuti unogona kupindura mimwe mibvunzo.
Ndiri kunetseka pamusoro pezvichaitika kana ndikazorora zvakare. Ndinoda kubatisisa pamakadhi mashoma emakadhi ako kana zvichiitika. Tinogona kuita izvozvo here? Kana ndikachengetedza nhoroondo idzi, hazvizotibatsira kuti tigadzirisezve chikwereti chedu mushure mokunge tapera here?
Tine chido chakakwana chekubhadhara baba vaMaddie kumashure kwe $ 5 000 takakwereta. Ini handidi chaizvo kumurondedzera somutengi.
Kana ini ndisingakwanisi kubviswa, ndinonetseka nekambani kadhi rechikwereti. Zita rangu riri pamakadhi uye ndinonzwisisa kuti ini ndoga ndinotarisirwa pairi. Ndine chiyero pazviri ikozvino nokuti ini handina kubhadharwa nokuda kwekufamba kwangu kwebhizimisi rekupedzisira. Chii chinoitika kwavari pandinoisa pfari?
Ndatenda,
Andrew
Ngatione kana tikakwanisa kugadzirisa zvinetso zvaAndrew:
Ndingaita Sei Kuti Ndirambe Ndiine Mikana Yekwereti Kadhi? Mune rimwe shoko, "kwete." Bhizinesi haisi kusarudza uye kusarudza chinangwa. Kushungurudzika kunobva pachirevo chekururamisira. Vose vanokweretwa vanofanira kutarisirwa zvakafanana. Hazvingave zvakanaka kuti iwe uwane $ 5,000 mubhadharo waunofanira kutanga kuNational National Visa asi chengetedza chikwereti chaunokweretesa kubva kuchikwereti chebato kubasa.
Dzimwe nguva vanhu vachandiudza kuti havana kunyora munhu ane chikwereti nokuti account yakanga ine zero. Ndakatorawo vatengi kuti vandikumbire kana vakakwanisa kubata pane imwe nhoroondo kuitira kuti zvive nyore kudzokazve chikwereti mushure mokunge kubhadhara kwapera. Zvinosuruvarisa, vateresi havatarisi izvi nenzira imwecheteyo yaunoita. Vakawanda vanobhadhara chikwereti vanyoresa maitiro anobhadhara kushandiswa kwebhengi munyika yose zuva rega rega. Vanofananidza zvinyorwa kune avo vatengi mazita. Chero chero sarudzo yakashanda, kunyange iyo yakaine zero yakakwana, iyo inofanana kusvika kune imwe chikwereti chekugadzirisa icharasikirwa neropafadzo dzayo dzekukwereta pakarepo.
Zvakakoshawo kucherechedza, kunyange izvi zvingaita sezviri pachena, nhoroondo ipi zvayo inokundikana kunyora mumabhuku ako ebhengi haazombobudiswi. Kuti ave akakodzera kusunungurwa, mukwereti anofanira kunge akapiwa chiziviso chekubhadhara. Saka, haukwanise kutarisa zita chete paakaunti pasina kero, kana kupa ruzivo rwakakosha ruzoita kuti zvive zvakaoma kune chikwereti kuti aone iyo nhoroondo.
Nzvimbo dzakawanda dzedare dzakatarisawo kuti iwe haugoni kubhadhara iyo nhoroondo mune ramangwana rakapera. Nokudaro, kana iwe ukasimudza chikamu pane iyo nhoroondo, iwe uchava nemhosva yekubhadhara kusvikira mutemo wekukundikana uchitanga.
Ndinogona Kudzivirira Mari Iyo Kubva Kuna Baba Vamwene? Zvose zvandakataura chikamu chekare? Inoshanda pano, zvakare. Mumeso emurairo, chikwereti kubva kuna tezvara vako hachisi chakanaka . Iine zvifananidzi zvakafanana sekukweretesa kubva kubhadhara mari uye kadhi yeVisa. Saka mutemo wekururamisira watakambotaura nezvayo unoshanda pano zvakare. Zvechokwadi, kana iwe uine bhizinesi nemumwe munhu (mumwe munhu aneye ukama hwakakosha), dare rinotarisa izvo zvekutengesa kunyanya zvakanyanyisa nokuti vanhu vane tsika yekubata ukama uhwu nehanya.
Asi, iwe unoti, ini handidi kuti mukarahwa wangu azive pamusoro pekufa kwedu uye mamwe mabhizinesi evanhu. Ndinotya kuti ngarava yaenda. Iwe wakazvizarura iwe pachako kune iyo apo wakabvumirana kune chikwereti chemhuri. Pasi pemutemo, tezvara vako ane kodzero dzakawanda sevamwe vanokweretesa, kusanganisira kodzero yekuziva nezvemari yako.
Kukubatsira kuti unzwe zviri nani nezvazvo, zvakadaro, gara uchiyeuka kuti iwe unogona kumubhadhara kunyange kana chikwereti ichibatanidzwa mukudarika uye kubudiswa.
Kusununguka hakusi kuita kuti chikwereti chirege kupera. Iko kunongokubvisa iwe chero chekodzero yekuripa. Chaizvoizvo, inokupa sarudzo yekuripa gare gare kana ukasarudza. Asi iwe haugoni kukamanikidzwa kuribhadhara nemunhu ane chikwereti.
Dzivisa Kuwedzerwa Kunyoresa: Ndichaisa muzwi pano pamusoro pekutsvaga kwekuda . Pane imwe nzira iyo unogona kukonzera kuoma nehomwe yemhuri muchikwereti chebhengi. Usati wafa, kana iwe uchibhadhara chikwereti ichocho chemhuri apo uri kutambudzika kubhadhara kune vamwe vako vane chikwereti, iwe hausi kuzobata vose vako chikwereti zvakarurama. Mari yebhadharo yemhuri inonzi inoshandiswa kuwedzerwa. The bankruptcy trustee , uyo akasarudzwa nedare kuti atonge nyaya yako, ane kodzero yekukumbira baba vako vatongi kuti vadzorere zvikwereti izvozvo. Mari iyo inopinda mudziva kubva kune iyo mutrasti achabhadhara chikwereti zvinoreva pro rata, zvinoreva maererano nehuwandu hwavo hwehuwandu.
Baba vako vamwene vanogona kuwana chikamu chemari iyo inodzorera, asi zvichida kwete sezvaaifanira kutendeuka. Izvozvi zvakanaka sei, iwe unobvunza? Zvinogona kuonekwa sechigumisiro chinorwadza chababa vako, asi inopa mudzidzi wako chikwereti mukana wekugoverana mune upfumi apo zvisinei kuti vangavharwa kunze.
Maitiro enyaya iyi: tora mhuri yako chikwereti nenzira imwechete iyo iwe unobata Visa kana chikwereti chebato.
Zvakadini Neki Company Credit Card? Saka, kambani yakakupa kadhi rechikwereti raunoshandisa kubhadhara mari yako yekufamba. Iwe unonetseka pamusoro pekuisanganisira iyo pakubhadhara kwako. Iwe unofanirwa kuve nehanya, asi iwe unofanira kungotarisa kadhi kana iwe unokwereta kune chikwereti pachiyero.
Makadhi emakadhi emakambani anouya mumhando mitatu, zvichibva kune uyo anokweretwa pane compte (kwete kuti ndiani anopa mubhadharo):
- Mushumo wegore negore unoenda kumunhu wose kumushandi, uye mubhadhari ndiye ane mhosva yekubhadhara chikwereti.
- Mushumo wegore negore unoenda kumushandi, uyo ane kodzero yekubhadhara kero, uye anotsvaka kubhadhara kubva kumushandi.
- Kubatanidzwa kwezviviri. Mashoko acho anowanzoenda kumunhu ari kumushandi, asi mushandi achadzorera kambani kune chero mari yaanoshandisa iye pachake.
Kuzivisa Here Kana Kuti Kwete Kuzivisa? Kana iwe ukaisa chikwereti, iwe unofanira kunyora kadhi iroro kana iwe uine mutoro wega pairi. Kana kambani yako ichifananidza mutoro wose, uye iwe hauna mhaka yekambani, saka iwe haufaniri kunyora kadhi.
Kana iwe usina chokwadi kana iwe uri mutoro wekubhadhara, dhipatimendi rako revanhu rinofanira kunge rakakwanisa kubvisa izvozvo. Asi izvi zvinogona kukuratidza iwe: kana wako waaishandira asina kuita chimwe chinhu pane kukupa kadhi (kunyange rimwe zita rako pairi) uye kukuudza zvaunogona kutenga nayo, zvichida kambani yakabudiswa kadhi inotakura mutoro wega. Kana iwe waifanira kuzadza chikumbiro chekadhi, sezvawakaita pawakanyorera mamwe makadhi ako pachako, saka iwe unogona kunge uri kukodzera uye unoda kunyora chikwereti ichocho pakusayesa kwako.
Chii Chinoitika KuAkadhi Mukudarika Kwangu? Saka, chii chinoitika kana iwe ukanyora kadhi iri muchikwereti chako? Munenge munyika yose, uyo anokweretesa achavhara kambani pakarepo paanenge achinzwa kupera kwako. Asi uyo anokweretesa acharamba achitarisira kubhadharwa kubva kune akwereta - wako mushandi - kana pane chikwereti pane account.
Ndinofanira Kutaurira Murayiridzi Wangu Kuti Ndiri Kudhinda Bankruptcy? Kana iwe uchifanira kutarisa kambani kadhi rechikwereti, iwe unoda kutaura newaunoshandira usati waisa purogiramu. Ichi hachisi chimwe chinhu chaunoda kuverenga kwako kana HR vanhu, kana mutariri wako, kuziva kana pavanowana chiziviso kubva kune chikwereti kuti nhoroondo yakavharwa kana chiziviso kubva kumatare ekudarika.
Pfungwa yekugara pasi nevashandirwi uye kubvuma kuti iwe uchatora kubhadhara kunogona kunge kwakanaka kunotyisa. Pasinei nezvamungatarisira, mune zvandinowana, vashandirwi vakawanda vane hanya zvikuru. Kana iwe ukashanda kune kambani huru, unogona kuva nechokwadi chokuti hausi wekutanga mushandi wave aine faira rekubhadhara. Iva nechokwadi, zvakare, kuti hazvibvumirwe nemutemo kusarura munhu pane kungoisa chikwereti chebhengi.
Zvimwe nzira Kana Kambani yeKadhi Card iri Mukudarika: Kuisa iyo kambani yemakadhi yekweretheni muchikwata chako chekubhadhara haisi chakanaka kwauri kana kumushandi wako, asi haisi kuguma kwenyika kana. Izvo zvinoda kuti iwe nemushandirwi wako mubve nebasa-zvakapoteredza. Semuyenzaniso:
- Imwe Kadhi Kambani : Mabhengi mazhinji emarudzi, kusanganisira American Express, Bank of America, Capital One, Chase, uye Citibank, inopa mabhizimusi mapurogiramu. Mushandi wako angave akagadzirisa hukama nehumwe kana humwe hwazvo uye anogona kuwana purogiramu yebhizimisi rekadhi kadhi. Kazhinji, mushandirwi wako anofanira kubvumirana nekambani isingadyi kuti iwe utore chero mhaka.
- Debit Card yebhizinisi : Mushandi wako angakugadza nekadhi yebhadharo. Vashandi havakwanisi urongwa urwu. Vane zvishoma zvingasarudzwa zvekushandisa kushandiswa kwemari apo mari iri kubhadharwa zvakananga kubva kubhuku rebhadhiro.
- Kadhi Yako Yokubhadharira Chero : Chiitiko chakaipisisa ndechokumushandira uyo anoda kuti iwe ushandise rako rako rebhengi, asi inokubhadhara iwe gare gare.
- Kadhi Yako Rokukwereta : Ndinoziva, iwe uri kufunga, "Chimirira! Handina here kuisa mabhuku angu ose muchengeti ye bankruptcy? "Izvozvo ichokwadi, asi hapana chikonzero iwe haungagoni kuedza kuzarura imwe kero yekwereti mushure mekunge bhengi yako yapera. Ichokwadi, iwe unotanga kutanga kugamuchira zvigadzirwa musati toni inenge yakasununguka yako yakaoma. Vakawanda veavo vachava makadhi ekubhadhara / makadhi ekudhara, kana makadhi emakwereti akachengetedzwa, asi ivo inzira yekudzoka mumutambo uye kuwana icho chidimbu chepurasitiki kuti uve nefambiro yako inotevera yebhizimisi. Edza izvi mazano ekugadzirisa chikwereti mushure mekufa.