Kutakura chikwereti chekwereti chekwereti, kunyange pane imwe kadhi rechikwereti, kunogona kukuvadza chikwereti chako uye mari yako. Nhamba ye chikwereti chauri kushandisa ndiyo yechipiri chikuru chinokonzera chikwereti chako chikoro . Nokuti kadhi rechikwereti chikwereti chakakosha zvikuru kune chikwereti chako, kuva nezvikwereti zvekadhi rechikwereti zvakakosha kune chikwereti chako chikwereti chichava nemigumisiro yakaipa pachikwereti chako chekwereti.
Hazvirevi kuti zviyero zvakashata zvakashata zvekwereti yako , iyo yakaipawo kune chikwama chako.
Mibairo yepamusoro yekadhi yemakadhi inowanikwa pasi pekubhadhara mari yemari - mari inoenda kune kadhi rechikwereti rakakonzera kukuwedzera iwe mukana wekubhadhara chikoro chako kupfuura nguva. Uye kana bhadharo yako ine chikwereti chakanaka, iyo mitero yemwedzi yemari mitero inogona kuita kuti zvive zvakaoma kubhadhara mari yako.
Kadhi kadi yekwereti yemarikiti inogona kumira munzira yaunogamuchirwa kune mamwe makadhi emakwereti uye zvikwereti. Kadhi-kadhi yemarikiti nevakweretesa vanoda kuti zviyero zvekadhi rako rechikwereti zvakaderera, maererano nekwereti chako chikwereti. Kana iwe uchibvumirwa, kunyange nekodhi yemakadhi echikwereti, unogona kugamuchirwa pamutengo wepamusoro wekutora kana iwe wakanga uri nechezasi.
Kubhadhara zvikwereti zvemakadhi ekukweretesa zvakakosha kune zvikonzero zvakawanda, asi kuziva nzira yekuita nayo zviyero zvepamusoro hazvisi nyore nguva dzose. Heano nhatu nzira dzamungashandisa.
Rega kushandisa Chikwereti Chako Chekwereti
Kuedza kushandisa kadhi rako rechikwereti uye kuripa panguva imwechete ndiro kadhi rechikwereti rakaenzana nekuda kuchengeta kako rako uye kuidya zvakare.
Hazvisi nyore kuita zvose. Kana iwe uchida kuripa chikwereti chako chekadhi rechikwereti, unofanirwa kurega kushandisa kadhi rako rechikwereti zvachose. Kana zvisina kudaro, iwe chete unopfuurira kusati kwamboguma kwekwereti.
Fungidzira, somuenzaniso, une $ 1 000 yekadhi yekwereti uye 15,9 muzana APR. Mari yako yepamwedzi yemari yaizotenga $ 10.89, ichiita mari yako $ 1010.89.
Mushure mokubhadhara $ 100, bhaari yako ingangodonha kusvika kune $ 910. Kana iwe gare gare uchishandisa kadhi rako rechikwereti kuti utaure, kutenga $ 125, bhaari yako inokwira kusvika $ 1035. Mushure meimwe mari yebhadharo uye $ 100 kubhadhara, bhaari yako yaizova $ 946.
Kubva pane maonero emasvomhu, iwe uchazobhadhara chikwereti chako chekadhi chekwereti chero bedzi kutenga kwako kwedzimwe mwedzi wese (pamwe nemari uye chikwereti) zviduku kudarika chikwereti chako pamwedzi. Kunyange zvakadaro, zvichiri kutora nguva yakareba kuti ubhadhe chikamu chako kupfuura kana iwe wakangorega kushandisa makadhi ako. Mumuenzaniso wekare, iwe unogona kubhadhara mari ye $ 1 mumwedzi gumi nemana chete ne $ 100 mwedzi dzemari uye hapana kutenga kana nguva yekupedzisira.
Dzivisa kuvimba nemakadhi ako ekwereti kune chero kutenga. Izvozvo zvinoreva kuchengetedza mari yako pasi pemari yako. Kwete izvi chete zvingakubatsira kuti urege kushandisa kadhi rako rechikwereti, zvichakusiyawo nemari yakawanda yekuisa kune yako kadhi rechikwereti.
Iwe unogona kunge uvhara kadhi rako rechikwereti kuti urege kuishandisa. Nekuvhara kadhi rechikwereti rine chikwereti kunogona kukanganisa chikwereti chako chekwereti munguva shomanana, kupfuura kwenguva, kuderedza kadhi rako rechikwereti rechikwereti zviri nani kune chikwereti chako. Chikwereti chako chikoro chichadzoka sezvo iwe uchibhadhara chikamu chako.
Kana uchida kuchengeta kadhi rako rechikwereti rakazaruka, asi zvidzivirire kusashandisa, iwe unogona kuenda nenzira yekare-kare uye uricheke.
Bvisa zvidimbu uye iwe hauzombokwanisi kushandisa kadhi rako rechikwereti rekutenga muIndaneti. Bvisa kadhi rako rechikwereti kubva kune imwe-click-click services services uye chengetedza kubhadharisa kubhadhi yako yebhengi kana kutarisa kambani.
Kwete chete iwe unofanira kudzivisa kutenga pane yako kadhi rechikwereti, zvinokoshawo kuti urege kuva nezvikwereti zvakawedzerwa kadhi rako, zvakare. Chirwere chemari semadhora ekupedzisira uye mari yekudzorera kubhadhara inogona kuderedza kufambira mberi kwako kubhadhara chikwereti chako chekadhi rechikwereti. Kana kadhi rako rechikwereti rine mari yegore negore, zvichida haugone kuzvidzivirira. Iwe unogona, zvisinei, funga kufambisa chikamu chako kune kadhi rechikwereti iro risina mari yegore negore.
Tumira kune Inoshandiswa Chikwereti Chakwereta Chikwereti
Nharaunda yako yekutora inobatsira zvikuru pakubhadhara chikwereti chako chekadhi rechikwereti. Izvi ndezvokuti chikamu cheumwe neumwe wekubhadhara kwako pamwedzi kuchaenda kunharaunda mune fomu yemari yekubhadhara mari.
Iyo inowedzera chikwereti chako chekuda, iyo yakakwirira iwe mwedzi yemwedzi mitengo yemari ichava uye yakawanda yebhadharo yako yemwedzi iwechete ichashandiswa kune kufarira.
Iwe unogona zvachose kubvisa chikwereti sechimwe chekubhadhara chikwereti chako chekadhi rechikwereti kuburikidza nokuendesa chikwereti chako kune kadhi rechikwereti rine 0 muzana mubereko wekutora.
Vakawanda vema-credit card issuers vanopa imwechete yezana yezana yemari yekubhadhara kadhi rechikwereti. Paunokodzera uye uchiendesa chikamu chako kune kadhi rechikwereti, unofara kwemwedzi mitanhatu yekubhadhara kusingabhadhari, zvichida zvakawanda zvichienderana nekadhi rechikwereti unokodzera. Iwe unogona kushandisa nguva iyi isina kufarira kubvisa chikamu chikuru chekadhi kadhi rechikwereti.
Kana uine kadhi makadhi ekukwereti ane zviyero zvakakwirira, shandisa muganhu nechepamusoro-shanho yemari, izvi zvichakupa mukana wakaisvonaka wekuchengeta.
Vako 0 muzana APR haichazogara nokusingaperi. Tora mukana wekurima kutengesa nekubhadhara sekuwanda kweyeri yako sezvaungaita apo nguva yekudhinda iri kushanda.
Ramba uchidzivisa kutenga zvitsva pakadhi rako rechikwereti, kunyange kana kadhi iri kuwedzera 0% yehuwandu hwekutsvaga hutengo kuchitenga uye zviyero zvakaendeswa.
Ita Zvikwereti Zvikuru
Kadhi kadikiti vanoita kuti iwe unzwe wakasununguka nekugadzirisa zvishoma kubhadhara . Izvo zvose zvaunoda kubhadhara kuchengetedza kadhi rako rechikwereti rakamira zvakanaka . Iwe uchadzivirira mari yekupedzisira uye iyo nhoroondo yako ichazoonekwa seyozvino kune zvikwereti zvekwereti.
Kuita mari shoma, asi, ndiyo nzira yakaipisisa yekubhadhara chikamu chako. Paunenge uchingoita mari shoma, inotora nguva yakatora nguva uye inodhura kufarira. Somuenzaniso, zvinotora iwe makore anopfuura 13 kubhadhara $ 1,000 muchiyero ne 15,9 muzana yekutambira kubhadharwa kubhadhara zvishoma pamwedzi mumwe nomumwe, kunyange kana iwe usingamboiti chero mimwe mitsara pane kadhi rechikwereti.
Nei chikwereti chiduku chinotora kwenguva refu? Kune imwe, chikamu chakakura chebhadharo shoma chinotora kubhadhara chikwereti pane account. Nemhaka yeiyo, muyero wako unoburuka chete nehomwe shoma. Chechipiri, ndiyo nzira inoshandiswa mubhadharo inowanikwa. Mazhinji emakadhi emakadhi anoyera kubhadharwa kwakadzama se peresenti yezvino. Sezvo bhaari yako ichikwira pasi, ndizvo zvaunofambisawo. Izvo zvinoita kuti zvive nyore kuita mari shoma, asi zvisinei, mari shoma chete yekubhadhara kwako chaizvoizvo inotanga kubhadhara kubhadhara kwebhuku.
Kutora chikwereti chekwereti chekwereti kunoda kuti iwe ugare uchiita zvikwereti zvakakura kune chikamu chako. Funga nezvemari ye $ 1 000 inotaurwa kare. Kana iwe ukaita $ 50 mwedzi dzemari pamwedzi wega wega, pasina kukanganisa, iwe uchange uine chikwereti chabhadhara mumakore maviri. Ndiyo makore 11 anokurumidza kupfuura kana iwe wakabhadhara zvishoma. Iwe uchachengetedza mazana emadhora muzvibereko.
Unoda kuziva kuti zvichazotora nguva yakareba sei kubhadhara mari yako kana iwe uchibhadhara zvishoma? Tarisa kopi yakakurumbira yekatori yako yekubhadhara chirevo . Kadhi-kadhi yemabhadhari inofanirwa kukuzivisai nguva yakawanda uye mari yose yaunenge uchibhadhara kana iwe chete uchinge waita chikwereti chiduku. Mhetezo yako ichabatanidza mari yaunofanira kubhadhara mwedzi mumwe nomumwe kuti ubhadhe chikwereti chako mumakore matatu.
Kutarisa zvikwereti zvekadhi rechikwereti hazvirevi, asi kana iwe ushingaira uye usingagumi pakubhadhara zvinopfuura zvishoma zvingakubvumira kubhadhara chikwereti chako chekadhi rechikwereti chakanaka. Kana wakambobhadhara chikwereti chako, ita tsika yekubhadhara kadhi rako rechikwereti zvakakwana mumwedzi wega wega uye iwe hauzobatisisi kune imwe isina kukodzera kumusoro kwekadhi yemarikiti.