Kuwana mibairo yakawanda yezvipo zvinotora nguva yakawandisa nekushandisa - chinhu chekupedzisira chaunoda ndiko kurasikirwa nemubairo wako. Kunyangwe nemari midiki yakaenzana, sepa $ 25 statement chikwereti chinogona kuda mazana emadhora mukupedza uye mwedzi yakawanda kuunganidza. Kurasikirwa nemakadhi ako ekadhi rechikwereti kunogona kunge kunzwa kunzwa sekurasikirwa mari chaiyo kubva muchikwama chako.
Zvingakushamisa iwe kudzidza kuti unogona kurasikirwa nemari yako yekwereti yekwereti zvachose.
Ichokwadi. Kunyora kwakanakisisa kwepurogiramu yepurogiramu yako yepurogiramu zvimwe zvinhu zvinogona kutenga mari yako yekwereti yemari. Kunyange zvazvo zvirongwa zvezvipo zvingave zvakasiyana kubva kune imwe kadhi rechikwereti kune rimwe rinotevera, hezvino zvimwe zvinhu zvaunofanira kudzivisa kana uchida kuchengeta kadhi rako rechikwereti.
Iwe unopa mubhadharo wekupedzisira . Iwe zvichida watoziva kare kuti kubhadhara kadhi rechikwereti nguva pfupi kune migumisiro yakawanda: yekubhadharwa kwekubhadhara, kuwedzera kwekuda kwekuwedzera, uye kukanganisa kwereti yako. Zvitoro zvekupedzisira zvinogona kutora mari yako yekwereti yemari. Vazhinji kadhi rechikwereti vanotora mari vacharasikirwa nemubairo wenyu kana iwe wakanonoka kubhadhara kadhi rako rechikwereti.
Nhamba chaiyo yebhadharo iwe unogona kurasa pasina kurasikirwa nemubairo wako ichave yakasiyana zvichienderana nekadhi rako rechikwereti. Zvinosuruvarisa, iwe pachako haungakoshi mibayiro yako shure kana iwe ukaita chikwereti chekadhi rechikwereti. Kana vachinge vaenda, vangave vaenda zvakanaka. Iva nechokwadi chekuti iwe unoita kadhi rako rechikwereti nguva nenguva kana uine zvipo zvausina kushandisa.
Zvakanakisisa kutadza kune rumwe rutivi rwekuchenjerera kana zvichiitika pakuita kadhi rako rechikwereti. Kunyange kana munhu asina kutora mubhadharo haazobhadhari mubhadharo kadikiti yako yekwereti, mari inononoka ichabvisa chero mibayiro yawakagamuchira.
Aunti yako inotanga kushanda . Haisi kungoshandisa kadhi yako chete zvinoreva kuti hauna kuwana mibairo mitsva, inokuisawo pangozi yekurasikirwa nemubairo wawakatowana kare.
(Usingarevi kuti kadhi rako rechikwereti rinogona kuvhara kadhi rako rechikwereti kana iwe usingashandisi nguva dzose.)
Shandisa kadhi rako rechikwereti kamwe kamwe mwedzi mitatu uye mibayiro yako inofanira kuchengetedzwa. Taura mazwi ako epa kadhi rechikwereti kuti udzidze kana kusagadzikana kuchakwereta mhodhi yako yekwereti yechikwereti.
Mipiro inopera . Mazhinji makadhi emakwereti anoita kuti iwe uwane mari isingagumi yemigumisiro isati yapera. Zvisinei, kune mamwe makadhi emakwereti ayo achapedza mibairo yako kana iwe usingashandisi mukati memumwe nguva kana nguva yakatarwa.
Teerera zuva rokupera kwemigumisiro yako - kunyanya mibairo yezvitoro zvezvitoro - uye ushandise vasati vapera. Kadhi kadi yako yekubhadhara chikwereti haigone kukunyevera kana mibairo yako yava kuda kupera - zvingave zviri kwauri kuti urambe uchienzanisa nguva yekukwereta kadhi rako rechikwereti.
Usarega mibairo yapera nokuti haugoni kuwana kushandiswa kwavari pakarepo. Iwe unogona kukwanisa kuzviita semashoko ekukweretesa kuakaunti yako kana kuvadzikinura nokuda kwekadhi rechipo raunogona kushandisa mune ramangwana.
Iwe unovhara kadhi rako rechikwereti . Kana ukavhara kadhi rako rechikwereti , ucharasikirwa nemaropafadzo awakawana, kunyange mibayiro isina kutumira kuakaunti yako usati wavhara.
Kana ukasarudza kuti iwe unoda kuvhara account yako chero zvikonzero, shandisa kana kutamisa mitezo yako kutanga kuitira kuti urege kurasikirwa navo.
Mamwe makadhi emakwereti anobvumira iwe kutumira mimwe mibairo kune imwe kadhi rechikwereti nemurogiramu iwoyo wemubairo kana kuti hotera kana kuti ndege yepamberi kuvimbika musati wavhara kadhi rako.
Makomborero wawakagamuchira sekuisa bhonasi kunogona kubviswa kana iwe ukarasa akaunti yako mukati memwedzi mishomanana yekuvhura account. Kusiya account yako yakazarura kwekunenge gore (nekushandisa mibairo yako isati yavhara kadhi yako, zvirokwazvo) inofanira kukudzivirira kuti urege kurasikirwa bhonasi yokunyora .
Iwe unodzorera zvinhu zvakawana mibairo . Kadhi-kadhi yemabhadharo vanofanira kuva nerongwa hwakafanana nehuno munzvimbo, zvisingaiti, vanhu vanozobvisa makadhi avo kuti vawane mibairo vozodzosera zvinhu uye kuchengeta mubairo. Usarega dambudziko rekurasikirwa nemubairo kunoita kuti uchengete chinhu chausingadi kana asingakwanisi. Iwe unogona kugara uchiwana mibairo iyo zvakare mune ramangwana rekutenga.
Iwe wakabatwa uchiedza kutamba mamiriro acho . Kana iwe uri kadhi rechikwereti churner , zvimwe iwe unogara uchitsvaka nzira dzekugadzira kusangana nemari inoshandiswa kubhonasi yekunyora kadhi rechikwereti. Iwe unofanirwa kuwana zvakanyanya kukura kana uri kuedza kuwana mabhonasi ekuisa mabhodhi pane imwe kadhi rekwereti. Chenjerera kuti usapesana nemitemo yepurogiramu yezvipo. Kana zvisina kudaro, iwe unogona kurasikirwa nemubairo wawakagamuchira. Iwe unogonawo kurasikirwa nhauri kana iwe uchibatwa kutengesa kana kutenga mibairo.
Zvaunotenga zviri kunze kwezvikamu zvemubayiro . Iwe hausi wepachokwadi unorasikirwa nemubairo apo iwe unenge uchitenga zvinhu kunze kwezvikwereti zvemubairo, asi iwewo hauna kuwana chero. Cherechedza kumhando dzekutenga iwe unofanirwa kuita kuti uwane mibairo uye kunyange marudzi ezvitoro zvaunoda kutengesa. Somuenzaniso, mafuta ako mubhadharo kadhi rechikwereti rebhadharo anogona kupa mubairo pamatenga kubva kuma-standalone gas stations chete, kwete kubva kugesi kutenga pazvivigiro zvekuchengetedza.
Kuenzanisa kunoshandiswa uye mari inofambira mberiwo haigoni kuwana mibayiro. Cash yakaenzana kutengeserana sekutenga mari, mirayiridzo yekodhi, mari yekunze, uye kutengeswa kwefesiwo hazviwani mibayiro.
Iwe unoshandisa bankruptcy . Iwe unogona kurasikirwa nemakadhi ako ekadhi rechikwereti kunyange iwe usingasanganisi iyo kadhi rechikwereti chaiyo mukuputsa kwako. Zvechokwadi, kana iwe uri kuisa chikwereti, iwe unofunganya zvikuru nezvekuwana hupenyu hwako hwehupfumi mukuronga pane iwe uri pamusoro pokuchengeta mukana wako wekadhi yemakadhi. Cherechedzawo kuti kuisa pasi kunogona kukanganisa chikwereti chako uye kuita kuti zvive zvakaoma kukwanisa kuwana mubayiro wekadhi rechikwereti kusvikira iwe uchivaka zvakare chikwereti chako.
Iwe unosuwa kuchinja kune purogiramu yemubairo . Iwe unogonawo kurasikirwa newe nemubairo kana kadhi rechikwereti achichinja purogiramu yemubairo. Zvechokwadi, ichi chinhu chiri kunze kwekutonga kwako. Kana kadhi rechikwereti chikwereti ichipa mukana wekushandisa mvumo yako yekadhi rechikwereti musati purogiramu ishanduka, iva nechokwadi chekuita pakarepo kuitira kuti urege kurashikirwa nemaropafadzo ose wawakashanda zvakaoma kuti uwane. Kana zvisina kudaro, iwe unogona kurasikirwa nemari yako yekadhi yemakwereti zvakanaka.