Kutarisira Mazororo Kana Uri muChitsauko 13 Bankruptcy
Mhuri inobata sei kana iri muChitsauko 13 bankruptcy case ? Iwe unofanirwa kurega kupemberera kwemakore mashanu here? Kwete, asi zvinotora kuziva uye kuronga. Heano zvimwe zvinhu zvokufunga nezvazvo.
Ndezvipi Zvakawanda Zvatinopedzera Pazororo?
Krisimasi haisi yega kuguma-kwe-gore-chiitiko chinotenga mari.
Iyo inouya pane zvitsitsinho zvekushure-kuenda-kuchikoro kushandiswa nezvinhu, mabhuku, mari uye zvipfeko. Zvino pane Halloween ine mapato, nguo uye candy. Kunyange Kutenda kunogona kutora chimwe chinhu chekuchinja. Ipapo kunouya Krisimasi: matoyi evana uye zvipo zvevanhu vakuru vemhuri, vashandi pamwe chete, shamwari neshumiro yevashandi. Kune mapato, zvokudya, zvipfeko-mbatya, kufamba uye kupa zvipo.
Chimwe chinhu chinowanzoitwa ndeyekuti iwe haupedzi zvinopfuura 1.5 kusvika ku 2 muzana yemari yako yakawanda pazvinhu zvose zvine chokuita nemazororo. Kune mhuri ine mari ye $ 40,000, iyo inouya ku $ 600 kusvika $ 800. Iwe uchapedza $ 1,125 kusvika $ 1,500 kana mhuri yako inowana $ 75,000.
Zvipingamupinyi muChitsauko 13
Kana Krisimasi iyo njodzi yemari yemhuri dzakawanda, inogona kuonekwa sekutumwa kusingaiti kune vabereki vanobatanidzwa muChitsauko 13. Chitsauko 13 zvirongwa zvekubhadhara zvinotarisirwa kuti zvigare kubva pamakore matatu kusvika mashanu. Maripo inowanikwa pamwedzi.
Mamiriro akawanda nemafungiro anotarisa muhuwandu hwekugadzirisa chirongwa, asi chimwe chezvinonyanya kukosha ndeye mari inokonzerwa nemari. Iwe unofanirwa kuzivisa mari yako kumatare ekudarika, kusanganisira chero mabhonasi, basa rekushanda kwemaawa, Social Security, kusashanda kwemabasa, mari kubva mune bhizinesi, uye chido chekuchengetedza uye mari yaunogona kuwana.
Unofanirwawo kuzivisa zvose zvaunoshandisa. Mari inoshandiswa ndiyo mari yaunayo - kana kuti inofanira kunge yakasara-pakuguma kwemwedzi mushure mekunge waita zvose zvese zvinonzwisisika uye zvinodiwa mari.
Zvakanaka, mari iyo inogona kushandiswa ingadai yakashandiswa pakutengesa zvinhu zvinonakidza, pakupa chipo, kana pakufamba kana kuchengetedza kunotenga kukuru. Asi kutenga kunogona kuvharirwa muChitsauko 13 nyaya nokuti hazvifungidziri kuti zvinonzwisisika kana zvakafanira. Mari yako inowanikwa inova yako Chitsauko 13 chirongwa chekubhadhara. Mari inoenda kune vako vane chikwereti.
Kutora chikwereti chitsva muChitsauko 13
Chimwe chinodiwa chinodiwa muChitsauko 13 ndechokuti muteresi anofanira kurega kutora chikwereti chitsva munguva yeurongwa. Yeuka kuti zvirongwa izvi zvinogona kugara kubva pamakore matatu kusvika mashanu. Kunyange zvazvo vanhu vazhinji vanofamba kuburikidza nehupenyu pasina kushandisa chikwereti, kuenda "kunotyisa" apo tinopa Chitsauko 13 nyaya inenge ichinetsa kugadzirisa vazhinji vedu.
Chitsauko 13 mari yemari yakasimbiswa zvikuru nekudikanwa, uye vazhinji vane chikwereti havagone kupedza nyaya yose pasina rubatsiro. Nokuda kwezvikonzero izvi, kodhi yekodzero inobvumira munhu ane chikwereti kutora chikwereti kana ane chikonzero chakanakisisa uye chete nemvumo yedare. Kana firiji yako ikasiya mweya, iwe ungangodaro unobvumirwa kuti uwane chikwereti chiduku kuti uchinje.
Asi iwe haungabvumirwi kutora chikwereti chebhadharo kupa mwana wako xBox yeKrisimasi.
Izvi zvinoshanda kumakadhi emakwereti zvakare. Kana chikwereti chekwereti chekwereti chakakundikana kuvhara account yako pawakaisa kubhadhara, izvi hazvirevi kuti wakasununguka kuzvishandisa. Makadhi ekubhadharira akanaka, asi iwe unofanira kungwarira pamusoro pekuchengetedzwa kwefredraft, iyo inonyanya kufambisa chikwereti.
Nzira dzekushandisa mari dzekutarisira mazororo
Panogona kunge kune nzira dzekutora mari kuti ubatsire Krisimasi usingabhadhari kubva kubhangi kana kubhadhara chikwereti . Iwe unogona kuedza kuchengetedza zviduku zvishoma kana iwe ukatanga zvakanaka mberi kwezororo. Dzimwe mabhangi anopa "Kirasi yeKrisimasi" inoda kuti uite zviduku, zvinowanzoisa pane imwe nguva yakatarwa.
Imwe nzira yekuchengetedza zviduku zvishoma ndeyekushandisa mari yebhangi yako yekuchengetedza kamwechete kana "purogiramu".
Iwe unogona kugadzira chirongwa chekuchengetedza kwekuzvitsvaga chinoshandura chikamu chiduku vhiki imwe neimwe kana mwedzi mune imwe nhoroondo yakasarudzwa. Sezvishoma $ 10 pavhiki zvichakupa mukana wakanaka we $ 520 mushure megore.
Zvimwe Zvimwe Zvimwe
- Shandura chirongwa chako chekubhadhara: Unogona kukwanisa kugadzirisa chirongwa chako cheChitsauko 13 chekubhadhara kuderedza mari yako ye mwedzi kana maviri kuitira kuti ugone kushandisa mari "yakachengetedzwa" kuti ubhadhara mari yeKrisimasi. Asi usati wafunga zvakanyanya izvi sarudzo, unoda kuziva zvinhu zviviri. Chokutanga, gweta rako richakubhadhara mazana emadhora madhora kuti ugadzirire uye kuisa chikumbiro chekuchinjwa nedare. Uye chechipiri, sezvo uri kubhadhara mari yakatarwa pane nguva yakatarwa mumutambo wako wokubhadhara, mari yako inokwira mumwedzi yakasara kuti uite mutsauko kana iwe uchidzikisa kwemwedzi inoverengeka,
- Borrow kubva kune yako 401 (k) hurongwa: Chinhu chisina kunaka chakanaka chingakwereta kubva kune yako 401 (k) chirongwa. Gweta rako rinogona kunge rakafanirwa kutumira chirevo nedare rinokumbira mvumo yekuita izvi zvakare. Kana mvumo yapiwa, iwe uchafanirwa kugadzira chirongwa chekubhadhara chikwereti.
- Shandisa mari yako yekubhadhara mutero: Tinowanzoisa zvataifambisa mutero mumatambo uye chekudzorera mari yedu inouya masvondo mashomanana gare gare. Vamwe vanhu vanoisa mari iyo mubhangi, asi vazhinji vanoona sechidiki chemhepo uye vanoikurira zvakakodzera. Kana uri muChitsauko 13, mari iyi inowanikwa mari yakawanda. Muteresi wako anogona kuitora kuitira kubatsira kwevatengi vako. Kune rumwe rutivi, vatongi vazhinji vanonzwisisa kuti kutora zvose zvekudzorera kwakanyanya. Vanogona kubvumira vane chikwereti kuchengeta imwe yemari. Kana iwe uine ruzivo uye izvi zvinoitika kwauri, ingova nechokwadi kuti uzvichengete kusvikira mazororo akapoteredza.