Kana chikwereti chako chichiita segomo uye bhajeti yako inonzwa sefoshoro, iwe unganzwa sokuti ichaita chishamiso kuti ubvise chikwereti chako chakanaka. Chishamiso chaunoda chingava mune imwe yenzira idzi shanu kuderedza chikwereti chako. Tanga pamusoro peurongwa uye ushande nenzira yako pasi. Pane imwe yeiyi, zvichida mbiri kana zvitatu, ichashanda muchidimbu uye ichakubatsira kuti uwane chikwereti ichocho kune imwe nzira inogona kugadziriswa.
01 Negotiate nevatengi
Kadhi kadikiti yako yechikwereti inogona kupa chirongwa chekuoma chinoderedza mari yako kana chikwereti chekuda kwekanguva.
Kana basa revatengi rikati kwete, usarwisana kana kukakavadzana, kungobvunza kuti utaure kune mutariri uye bvunza zvakare. Ita chokwadi chekuwana chero chibvumirano mukunyora, zvichida pane tsamba yekambani, usati waita mubhadharo.
02 Consolidate
Kubatanidza chikwereti chako nechikwereti chekukweretesa kana chikwereti chekuwana chikwereti kunogona kukupa mubhadharo wepasi pamwedzi. Avhareji yezvikwereti zvezvikwereti pane chikwereti chenyu chazvino uye tarisa chikwereti chine chidimbu chechikwereti chakasara pane chawakaita.
Kana iwe ukafanirwa kubhadhara chikwereti, unogona kuishandisa kuti ubhadhara chikwereti chako chiripo, zvino funga kuita mutero wemwedzi mumwechete kune chikwereti. Kukwereta chikwereti zvikwereti haisi choga chokusarudza chikwereti. Fungawo nezvekubhadhara chikwereti, chikwereti chekuwana chikwereti, kana kuti mari yakasununguka.
Ngwarira pamusoro pokuwana chikwereti icho chinongoderedza chikwereti chako nekuwedzera nguva yekubhadhara. Iwe ungangove wakaguma uchibhadhara chido chakanaka kupfuura kwenguva kupfuura iwe waizodaro.
03 Tumira zviyero
Kana iwe une chikwereti chakanaka chekwereti, iwe unogona kazhinji kuwana chikwereti kutumira chikwereti chekwereti nechikwereti chemuzasi chinodarika pane imwe kadhi yemakadhi. Dzimwe nguva unogona kuwana kunyange mukana wekutanga wekutora chikwata (zvakaderera se 0% pane dzimwe nguva) uye kushandisa nguva yekutangira kuita mhindu isina chikwereti pane chikwereti chako.
Iwe unogona kushandisa CreditCard.com's balance balance transfer calculator kuti uverenge kuti iwe uchachengetedza zvakadini nekuendesa zviyero zvako.
04 Zvika kune chikwereti kupa mazano
Vatengesi vechikwereti vechikwereti dzimwe nguva vane unyanzvi huri nani pakukurukurirana mazana ezveruzhinji zvekuda uye zvikwereti kubva kune vane chikwereti. Kunyora muurongwa hwekukwereta chikwereti chechikwereti, kana DMP, kuchakubvumira kuti uwedzere kubhadhara kwemwedzi kuitira kuti zvive nyore kubhadhara chikwereti chako. Chikwereti vanopa mazano vanogonawo kukubatsira iwe kugadzirisa bhajeti uye kudzidzisa unyanzvi hwekugadzirisa mari.
Paunenge uchisarudza mutungamiri wezvikwereti , iva nechokwadi chokuti unosarudza munhu anoremekedzwa (chirevo: ivo vanowanzova vasina mari). Ngwarira kuti urege kuvhiringidza navo vane chikwereti chekugadzirisa makambani anopa kupa mari yako pasi asi kazhinji unoita kuti chikwereti chako chiwedzere.
05 File bankruptcy
Pane dzimwe nguva apo chikwereti chaunokwereta chiri kungowedzera kubhadhara, kunyange nemari yakaderera. Muchiitiko ichi, iwe unogona kufungidzira kufungidzira kubhadhara. Mutemo mutsva wekushungurudza unodzivirira vanhu kuti vasashandise kubhadhara nekuda mari yekuenzanisa-chikwereti uye kugadziriswa kwekwereti yevatengi musati mava kukanganisa.
Chitsauko 7 kubhadharwa kuchakubvumira kuti ubvise zvachose zvikwereti apo Chitsauko 13 kubhadhara kuchaita chirongwa chokubhadhara.