Nei Tichikurukura Basa Rokuita
Dzimwe nguva kukurukurirana nemutengi wako ndiyo nzira yakanakisisa yevanhu vose.
Kubva pamaonero ako, zvinokupa sarudzo yedambudziko rako rekusina mari yakakwana yekuripa chikwereti chako. Kana iwe usingabhadhari, mhinduro yacho ndeyechokwadi: chikwereti chako chikoro chinogona kuwira, uye iwe uchasangana nemari yakawedzera uye zvinetso zvepamutemo . Nzira yako inotevera yakanakisisa inogona kunge iri kubhadhara, iyo inodhura uye yakaoma nzira (pamwe iyo inosvibisa chikwereti chako kwemakore manomwe, uye iwe ungaramba uine chikwereti chemari kana pane kukanganisa ).
Kana iwe usingakwanisi kubhadhara zvikwereti zvako kana kuwana sarudzo, iwe unogona kurasikirwa nechikwereti chipi zvacho chakashandiswa kune chikwereti . Somuenzaniso, kana wakakwereta kutenga imba, unotarisana nehutano hwekuvhara , uye chero zvipi zvayo zvinokonzerwa nezvikwereti zvinokonzera kuti udzokezve (zvichiita kuti zvive nyore kuenda kumabasa uye kuramba uchiwana hupenyu).
Kubva pane zvaunotarisira chikwereti, kugadzirisa kweimwe rudzi kunogona kuva kwakanaka. Kana iwe uchitaura kuti bankruptcy, iwe unokweretesa zvinokonzera kukanganisa zvakanyanya.
Zvinodhura uye nguva inowedzera kune vanokweretesa kutora mari yako, uye iyo haisi yebhizimisi ravo rega-zvakadaro vanoda kungowana mari kubva kwauri.
Mhando dzekushanda
Hapana sarudzo imwechete yezvinetso zvekwereti yako. Zvakakosha kutarisa mari yako uye kuongorora zvaunokwanisa kutenga.
Zvadaro, iyo nyaya yekukurukurirana nemutengi wako uye kusarudza zvingaita. Zvishomanana zvinogona kugadzirisa zvinosanganisira:
- Muzasi APR: Kuderedza chikamu chepakati pegore (APR) pane chikwereti chako iwe ungave iwe uripo iwe unogona kutengesa. Kubhadhara kwako kwemwedzi kunobva pane zvimwe zvingabatanidzwa , uye chikwereti chechido ndechimwe chazvo. Avhareji yakaderera-kunyange kana yakangogara kwenguva pfupi-zvinoreva kuti iwe uchabhadhara zvishoma mwedzi mumwe nomumwe, izvo zvingakubatsira iwe kubatwa.
- Kushivirira: zvingave zvakare kukwanisika kudarika (kana kuderedza) zvishomanana zvekubhadhara mwedzi mwedzi. Izvi zvinogona kushanda se "breather" iyo inobatsira iwe kubatwa. Iwe uchafanirwa kubhadharwa kune iyo inowanikwa gare gare, uye iwe unogona kuguma uchibhadhara zvakawanda mune zvekufarira, asi iwe uchapfuura nemari yako ikozvino-cash-flow crunch.
- Nguva yakareba: kureba kwemari yako yako ndeimwe mutyairi wekubhadhara kwako pamwedzi. Iyo yakareba izwi, pasi pebhadharo yako. Semuenzaniso, makore makumi matatu ekugadzirisa zvikwereti ane mari shoma pamwedzi kune makore gumi nemashanu ekutora mari. Kuwedzera nguva yemari yako yaunokwereta kuchaita kuti iwe ubhadhara chido chikuru pamusoro pehupenyu hwechikwereti chako.
- Nzira yekubhadhara mari yakasiyana-siyana: zvichienderana neruzivo rwako rwemamiriro ako ezvinhu, unogona kukwanisa kune dzimwe nzira. Zvese yako yekwereti inogona kuita ndeyekuti "kwete," saka ita zvekugadzira uye ingobvunza.
Nguva Yekukumbira Kubasa
Taura iwe nemukwereti wako pakarepo iwe uchiziva kuti hauzokwanisi kubhadhara. Nokukurumidza iwe unosvika kunze, pane dzimwe sarudzo dzaunogona kunge uine. Vamwe vachakuudza kuti iwe unofanira kurega kubhadhara uye wozotaura kune wako chikwereti (nokuti iwe unogona kunge uine huwandu), asi iyo nzira ine ngozi.
Funga nezvazvo nenzira iyi: kana ukarega kubhadhara, iwe hausisina chakanaka chekurega kubhadhara - saka edza kuwana mhinduro usati wasvika kusvika ipapo. Kana chikwereti chako chakanga chisati chasara, iwe unogonazve kuedza kukurukura. Asi iwe unogona kurasikirwa nemamwe maitiro kana iwe hauna kukwana.
Migumisiro yekugadzirisa chikwereti chako
Chero mararamiro amunosvika achakanganisa chikwereti chako. Iwe hauri kuripa chikwereti chako panguva, sezvakabvumirana, uye zvikwereti zvekwereti zvicharatidza izvozvi.
Zvisinei, iwe unogonawo kukwanisa kutaurirana kuti chikwereti chinoshushwa sei pamakero ako emari, uye iwe unogona kuwana kuti kugadzirisa zviri nani kudarika kubhadhara. Panogonawo kuva nemigumisiro yemitero kana ako chikwereti ichiita kuti iwe ubhadhe kudarika iwe unokwereta. Kana ukawana Fomu 1099 yekuregererwa kwekwereti yemutero, taura newaya ako gweta kana mutungamiri wemitero.
DIY kana Hire
Kune makambani mazhinji kunze uko akavimbisa kukubatsira iwe nematambudziko ako. Vangada kuti iwe uite mari kune iyo pane kune vako vane chikwereti, kana kuti vangangokurukura nekuda kwako.
Ngwarira kuti chikwereti chekubhadhara chikwereti chakazara nezvinetso. Mamwe makambani anotora vatengesi vanotambura avo vanopedzisira vasarudzo, uye vanopedza kuita zvinokuvadza kupfuura zvakanaka. Haasi makambani ose akanganisa, asi zvakawanda zvazvo.
Kana zvichikwanisika, edza uye taurirana nevatengi vako iwe kutanga. Iwe uchadzidza zvakawanda, uye iwe unogona kuchengetedza mari yakawanda. Iva wakagadzirira kutaura nevashambadziri vashandi, tsanangura mamiriro ako emari (uye kuratidza kuti iwe haugoni kuita mari yako), uye kuzadza maitiro akawanda. Iyo nzira haisi yakaoma zvakaoma, asi inotora nguva uye kushivirira.
Kana iwe ukasangana nechibvumirano chako nemukweretesi, iva nechokwadi chekutora zvinhu zvose nekunyora, uye chengeta makopi emakambani ose. Paunenge uchishanda nemunhu chero upi zvake -angave ari chikwereti chako, sangano rekubhadhara chikwereti, kana kambani yekubatsira chikwereti - teerera kune zvipikirwa zvakanyanya uye zvivimbiso. Kana zvinonzwika zvakanyanya kuti zvive zvechokwadi, zvinenge zvichinyatsoitika .