Kunyangwe kune dzakawanda zvenhema dzakapoteredza kubhadhara, kufungidzira kubhadhara kunoita kuti uve nemigumisiro yakawanda yaunofanira kufunga. Mamwe emigumisiro iyi inofadza, dzimwe dzakaipa, dzimwe dziri pane imwe nzvimbo pakati. Kungofanana nedzimwe nzira dzepamutemo, pane zvinhu zvakasiyana-siyana zvaunofanira kuverenga musati waita kubhadhara mari. Zvisinei, kubhadhara ndiyo imwe nzira yepamutemo yepamutemo, uye somugumisiro, kunyange vanyori vakawanda vasina kukanganisa vanogona kuvhiringidzika nemigumisiro yaro.
Nguva dzose, bheji yako yakanakisisa apo iwe uri kufunga nezvekuisa Chitsauko 7 kurondedzerwa kwakananga kana Chitsauko 13 chekubhadhara chirongwa chekubhadhara ndechekukurukura nemunhu anokwanisa kubhadhara gweta.
Kubuda Kwemunhu
Kutanga pamashoko akanaka, imwe migumisiro yekupedzisa kubhadhara kwekushambadzira ndiyo kubudiswa. Kubudiswa kwemutemo ndeye chirongwa chekusingaperi kubva mudare rekudarika iro nokusingaperi rinodzivirira vatengi vako kubva kuedza kuunganidza pane zvikwereti zvakawanda zvawakaita musati mauya kudhipatimendi. Kune zvipo. Zvimwe zvikwereti hazvikwanisi kubudiswa mubhadhadzi (sekukodha mitero yakatarwa , alimony, rubatsiro rwevana , uye vamwe vashoma), uye vamwe vanogona kubudiswa mune zvimwe zviitiko (vadzidzi vechikwereti). Kubudiswa kwacho ndicho chinowanzo chinangwa chikuru chekushungurudzika uye chinogona kuonekwa sechinhu chakanaka chinoguma.
Zvisinei, chimwe chinhu chakaipa chekubudiswa kwekuti ndechokuti hachiwedzere kune yako pfuma. Somuenzaniso, kana iwe chikwereti chako chemusha chinenge chiri paimba yako, hutori huchagara mushure mekushaya mari, uye uyo anokweretesa angave akasununguka kutarisa kumba kwako kana iwe usina kukwereta pane chikwereti chako.
Iwe unogona kukwanisa kuita chibvumirano nemutengi wako kune izvo zvinonzi kudzokorora , chibvumirano chekutora chikwereti icho kunze kwekugadzirisa. Asi izvozvo zvinoda kuti iwe urambe uchibhadhara.
Kubudiswa kwacho hakuitiwo kune umwe munhu upi zvake ane chikwereti chikwereti chimwe chete. Semuenzaniso, kana iwe nehanzvadzi yako mose muchishandisa kadhi rechikwereti rimwechete rekutenga, kubudiswa kwacho kwaizobvisa chikwereti kwauri, asi kwete sehama yako.
Automatic Stay
Chimwe chinhu chakanaka chokutsvaga kubhadhara ndiyo inowanzogara. Izvo zvinongoramba zviripo, sezvinonzi zita rinoratidzira, inorayira dare rekugadzirisa rinotanga kushanda nokukurumidza kana iwe ukakonzera chikwereti chako. Izvo zvinongoramba zviripo zvakanyanya uye zvinodzivirira chikwereti kuita zvinhu zvakawanda kuti uwane chikwereti kubva kwauri, sekukushevedza, kukunyora tsamba yekuunganidza, kukutevera iwe, nezvimwe zviito. Izvo zvinongoramba zviripo zvinoramba zvichikuchengetedza iwe kusvikira dare rebhengi rinotapura kuburitsa kwako. Iko kunoramba kuchienderera mberi sekuita sepfuma yebhishopu yekodzero kusvikira nyaya yavharwa (mumatambudziko akawanda, nguva pfupi mushure mekunge kubudiswa kwabudiswa).
Credit Score
Iko kuchinja mune zvikwereti zvako zvekwereti semugumisiro wekuvhara mabheji kunosanganiswa. Kazhinji, kuvhara mabhizinesi kuchapinza chikamu chako pasi pechirevo chemurairi. Izvi zvinogona kuva kunetseka kwevanhu vazhinji. Zvisinei, iwe unogona zvishoma nezvishoma kuvakazve chikwereti chako mushure mokunge uchinge wapera uye wowedzera chikwereti chako pane imwe nzvimbo yakakwirira kudarika usati wasvika nokuda kwekudarika. Kunyange zvazvo kubhadhara kuchagara pane yako chikwereti mushumo kwemakore mazhinji , kazhinji kacho kuchava nemushumo wakanaka mumagumo.
Privacy
Chikonzero chakaipa chekutsvaga kubhadhara ndeyekuti zvose zvaunopa nedare, kusanganisira zvese zvekubhadharisa mari yako, iyo ine ruzivo rwemari yako yezvemari, inogona kuwanikwa nevanhu.
Muzvokwadi, kunze kwekuti mumwe munhu ane chikonzero chekuziva kuti uri mu bankruptcy, mikana yemumwe munhu kunze kwomukwereti kuwana ruzivo yacho shoma. Kushaiwa kwehupombwe ndeye mutengo unobhadharwa nokuda kwekubatsira kwakakura kunopiwa nekushungurudzika. Kune vamwe vanhu, kusava neukwanganisa kungave iko kwekutengesa. Zvisinei, kana uchienzanisa nemugumisiro waunowana nawo kubhadhara, humwe hutano hunoita sehunoita sehunokosha.
Cherechedzai: Inonyanya kuziva mashoko yakachengetedzwa. Semuenzaniso, unogona kungosanganisira:
- iyo mairi mana ekupedzisira ehuwandu hwekuchengetedzwa kwevanhu uye nhamba yekudzidzira mutero;
- gore rokuberekwa kwomumwe munhu;
- kutanga madiki; and
- iyo mairi mana ekupedzisira ehamba nhamba yemari-nhamba.
Zvinogona Kurasikirwa Pfuma
Zvichida migumisiro yakaipa kwazvo yekushungurudza ndechokuti iwe unogona kurasikirwa nedzimwe nzvimbo yako kumusimboti we bankruptcy .
Ndinofanira kusimbisa shoko rokuti "may" ! Kana iwe uchikwanisa kubudirira kusunungura zvose zvepfuma yako mutrassi haakwanisi kutengesa. Kunyange kana iwe usingakwanisi kuisa zvose zvepfuma yako, zvingasava zvakakosha kuti mutrasti atengese zvinhu zvako. Semuenzaniso, kana zvichizoita mari ye $ 1000 kuenda kune imwe yenyika kubva pamotokari inokwana $ 850, mutongi wacho angangokuendesa iwe kuchengeta imba. Mutrasti achangotengesa zvinhu zvako zvisingabhadharwi kana iye achitenda kuti pfuma inogona kuwanikwa.
KUVIMBISA KWEMUTEMO
Ichi chinyorwa ndechekuziva nezvezvinangwa chete uye kwete nekuda kwekupa mazano emutemo. Iwe unofanirwa kubata gweta rako kuti uwane mazano nekuremekedza chero dambudziko rakasiyana kana dambudziko. Kushandisa nekusvika kwenyaya ino haisi kusimbisa ukama-mutengesi wevatengesi pakati pemunyori wenyaya ino nemushandisi kana shanduro.
Yakasunungurwa naMay 2017 Carron Nicks