Kavhadhi yako kadhi rechikwereti inofungidzirwa yapfuura nekuda kwekunge iwe usiri kukwereta kadhi rechikwereti chako Izvo zvakapfuura nekuda kwekuti account yako inowedzera, kana iwe mukwereti wako kana kuti chikwereti akaita kuti iwe uwane zvakare.
Apo nhoroondo yako ichingova shoma shoma yapfuura, kuunganidza zvinyoro zvinyoro. Semuenzaniso, unogona kuwana runhare rwefoni kana yekare nekuda kwekukuyeuchidza iwe kuti ubhadhe. Sezvo nhoroondo yako inowedzera shure, tsamba uye foni dzinowedzera zvakanyanya. Izvo zvinokonzera chikwereti chako chikoro chinonyanya kukosha kana kanda yako iri mazuva makumi mapfumbamwe akapfuura. Kana uine kambani iyo yakapfuura yakakodzera, pane zvishoma zvingasarudzwa nazvo.
01 Chengetedza chikamu chekare chakafanira.
02 Gadzirira.
Dzimwe nguva mari yako yekare yakakosha zvikuru kubhadhara zvose kamwechete. Taura nemunhu ane chikwereti pamusoro pekuparadzira mari yakatarwa yakadarika kwemwedzi miviri kana mitatu. Nenzira iyo, unogona kubata pane nguva. Kunyangwe kana akakweretesa wako asingabvumirani zvakajeka kurongwa kuti akubate, iwe unogona kutumira mubhadharo. Tumira zvakawanda sezvaunokwanisa kusvikira iwe wose wabatwa.
Chenjerera, kunyange iwe uri kutora chikwereti, akaunti yako inogona kuonekwa se "ikozvino" kusvikira iwe wose wabatwa. Kana iwe usati wambotanga usati wave mazuva 180 apfuura, iyo nhamba yako ingangodhadirwa-yaiswa. Panguva iyoyo, kambani yako ichavharwa uye iyo yose iripo ichave yakakwana.
03 Bvunzurudza mubhadharo wekudzima.
Kana iwe uchikwanise kubhadhara chikwereti chakakodzerwa chakapfuura, zvakakosha kuti ubvunze chikwereti kana vakakwanisa kubhadharazve account yako kuratidza kuti maitiro asina kuonekwa. Vanhu vane chikwereti havakwanisi kuita izvi, asi vamwe vanobvumirana kana iyi ndiyo nguva yokutanga iwe wakasara shure pamari yako.
04 Consolidate the account.
Kubatanidza nhoroondo yako haibhadhara iyo, pane imwe. Pane kudaro, iwe wakavhara chikwereti chakapoteredza kuitira kuti zviri nyore kubhadhara. Kubatanidza chikwereti kunounza compte yako ikozvino uye kunokubatsira kuti urege kudzivirirwa, asi iwe zvino une chikwereti chitsva chokubhadhara.
Iwe unogona kusimbisa kushandisa shanduko kutengesa uye kuenderera mberi kusvika kune imwe kadhi rechikwereti. Iva nechokwadi kuti zvinogona kutora vhiki shomanana kuitira kubhadhara kutengesa kunopedzisa. Ita chikumbiro chekufambisa chekutsvaga pakarepo paunosarudza ichi ndiyo nzira yakanakisisa yekubata nayo yako yekare account yakakodzera. Iwe unoda kuendeswa kunopedzisira usati wadzikidzwa ne-akhawunti yako.
05 Gadzirai nhoroondo.
Kana iwe ukaona kuti hazvibviri kudzokera kune imwe nzira nemari yako, iwe unogona kuedza kuronga hurongwa hwekugadzirisa nemunhu ane chikwereti. Nokugadzirisa kero yako, uyo ane chikwereti anobvumirana kubvuma chikwereti chepasi chemadhora kuti agutse account.
Kana iwe uchipa kugadziriswa kupa kune akakweretesa, unofanirwa kuva nemari yakakwana kuti ugadzire kambani kana kuti ingakwanisa kukwereta. Cherechedza paunogadzirisa kero yako, nzvimbo "Yakagadzirirwa" ichaonekwa pamushumo wekwereti yako.
06 File for bankruptcy.
Kana uri kurwisana nezviitiko zvekare zvakakonzerwa uye zvikwereti zvako zvinotyisa, iwe unogona kuisa bhadha . Haisi iyo nzira yakakodzera, asi inogona kunge iri chinhu chete chinoshanda kwauri. Usati wasarudza kuenderera mberi nekudarika, taura nebazi rinotenderwa kubhadhara chikwereti chekubhadhara chikwereti kuti uone kana kune dzimwe nzira dzaungabatwa nadzo.
07 Tsvaga kubhadhara mari yechikwereti.
Kana iwe wakabatwa pamusoro pekubhadhara kwako, asi kurwisana kuita zvishoma zvishoma vhiki rese, chirongwa chekubata chikwereti kuburikidza nechikwata chekupa chikwereti chikwereti chinogona kukushandira iwe. Zvinosuruvarisa, vamwe vane chikwereti vachakumbira kuti uuye neakaunti yako ikozvino vasati vazobvumirana nekuderera kwechikwereti uye kubhadhara pane chirongwa chekuita chikwereti. Kana iwe usingakwanisi kukwanisa kubatwa, ipapo chikwangwani chekupa chikwereti chikwereti chingave chakakwanisa kukubatsira iwe kuchengetedza konti yako kubva pakubhadhara-kurega.