Kuvhiringidzika kwekufambisa kubhadhara kunogona kuuya nemafungiro asina kunaka evashamwari nemhuri kana kuti inogona kunge yakanyanyisa nenzira yekushaya kana kuoma mukuwana chikwereti .
Kunyangwe kushorwa kwekusimbiswa kwakasiyana zvikuru uye kunogona kunge kune chokwadi kune icho, haufaniri kurega kuvepo uye mikana inogona kuisa kufambisa pasina kunyatsofungisisa. Kana iwe uchitarisa mari chaiyo uye kubatsirwa kusati wasvitsa kufuratira, unogona kuona kuti mazana ezviuru zvevanhu vanoita gore rega rega: iyo kubhadhara inokosha.
Kushungurudzwa Kwemwoyo uye Zvemagariro
Iyi rutivi rwekunyadzisa hakubatsiri mari yako chero ipi zvayo. Iyo yakanamatira zvakananga nemaonero anoita vanhu. Saka, kana iwe uri munhu ane hanya zvikuru nezvinofungwa navanhu pamusoro pako, kushorwa kwevanhu munharaunda kunogona kukoshesa zvikuru. Zvisinei, iwe unofanirwa kuziva kuti kunyange zvazvo vakose vako vose vachanzwa nezvekuvhara mari yako, hazvisizvo kuti vamwe vanhu vachaita. Izvi ndezvokuti kunyange zvazvo mhosva ye bankruptcy iri nyaya yevanhu vose, vanhu vazhinji havaendi kunze vachitarisa kuti vaone yave yakaiswa nokuda kwekudarika.
Kunyange kana vanhu vachiziva nezvekuputsa kwako, unogona kushamiswa kuti vanonzwisisa sei, kunyanya mune hupfumi hwehupfumi. Iwe unogona kutowana kuti dzimwe shamwari dzako kana nhengo dzemhuri dzave dzaisa, zvakare. Nedzimwe inofungidzira, mumwe wevakuru gumi vari muUnited States achaisa pfurudzo pane imwe nguva.
Funga nezveiyo nguva inotevera iwe ugere musangano wePTA kana kuti yechikoro cheSvondo.
Chimwe chiitiko chekushorwa kwevanhu munzanga ndechepfungwa. Vamwe vanhu vanonzwa vakashata kana vasingabhadhari zvikwereti zvavo. Saka kana iwe uchinge waita kuti upedzisire uye urege kurega zvakawanda zvezvikwereti zvako zvachose, unganzwa uine mhosva. Izvi zvinoratidza kuti iwe uri munhu ane hanya zvikuru uye zvichida uchifunga nezvekushungurudza nokuti wakanga usina imwe sarudzo uye zvichida nekuda kwekusava nemhosva yako. Ichi chekunyadzisa ndeyomukati mukati uye nehutano hwako iwe unofanira kushanda.
Kune zvakawanda pamusoro pemanzwiro evanhu, tarisai
Kupona uye Kubudirira Pashure Kokufa: Kubata Nekunzwa, Chikamu 1
Kupona uye Kubudirira Pashure Kokufa: Kubata Nekunzwa, Chikamu 2
Nhepfenyuro Stigma
Kunyadziswa kwezvemari kunobatanidza nekupererwa ndiyo chinhu chinogona kukukanganisa iwe. Semuenzaniso, mushure mekunge mafigira kubhadhara, chikwereti chako chikoro chinowanzoenda pasi. Ngani? Inobva pane kwawakatanga. Nevamwe vanofungidzira, zvikwereti zvekwereti zvevanhu vakawanda vanopedzisira vachengetedza vacharamba vanenge 550 pasinei nokuti vakatanga kupi (asi, kana iwe wakangwarira, haingagaripo kwenguva refu ). Iwe unenge uine kuoma kwakawanda kuwana chikwereti, chakadai semari yemotokari yemotokari kana chikwereti chemusha, uye kana iwe ukawana chikwereti, ichakubhadhara mari yakawanda sechikwata chechikwata chapamusoro.
Kunyadziswa kwemari kungave nezvimwe kubatsiro mune izvo zvingakuodza mwoyo kubva pakuzviwana iwe uri mukweretizve zvakare mushure mokunge waparadzwa nemusanadzi. Kunyange zvakadaro, kushorwa kwemari hakusi kwakaipa sevanhu vazhinji vane hanya nazvo. Somuenzaniso, vazhinji vane chikwereti vanogamuchira kadhi rechikwereti vanopa pakarepo mushure mekunge vafambisa kubhadhara (kunyange pavanokunda zvikwereti). Izvi ndezvokuti vanokwereta vanoziva kuti pasi pomutemo wehurumende, haugoni kuwana imwe kubhadhara kushandiswa kwemakore anenge 8.
Ona Iko Iko Kwereti Yako Chikwereti Inokosha Mushure meBhenruptcy?
Kufungisisa Nezvibatsiro Kupfuura Stigma
Zvechokwadi, zvakakosha kuti iwe uone kufambisa uye kunetseka kwekwereti ye bankruptcy. Pakupedzisira, vanhu vazhinji vanofunga kuti zvikomborero zvinopfuura zvakanyanya mari, kunyanya kana iyo mari inonyanya kushandiswa mune zvemagariro kana manzwiro.
Paunofunga nezvesarudzo dzako, iwe unofanira kufungidzira kuti kubhadhara mari yakagadziriswa neCongress semutoro wekuchengetedza kubata vose avo vakawira pasi pehupenyu hwehupfumi uye vanoda kusimudzwa. Kufanana nevarume vakaisa matambudziko 770 846 muna 2916 .
Pasina kubhadhara, iyo yose yezvemari inogona kuparara. Izvi ndechokuti paisazove "kunze" uye kana iwe uchinge waita chikwereti iwe unenge wakabatanidzwa nawo muupenyu. Hapana kunyadziswa mukushandisa zvakanaka nzira inogadziriswa nehurumende kubatsira avo vari mumatambudziko makuru ehupfumi.
Yakagadzirirwa muna October 2017 naCarron Nicks