Kana iwe uchironga zvakanaka, unogona kukweretesa zvekutenga kwako pasina kubhadhara penny inofarira. Ingova nechokwadi chekuverenga zvakanyatsonaka mazwi asati abvuma chikwereti chekupedzisira.
Mamwe mapurogiramu ekubhadhara mari ezororo haasi pedyo nekutengeserana sezvavanoita.
Hewa nzira nhatu dzekuparadzira zvikwereti zvako, kusabatsirika:
1. Tenga zvakapoteredza kadhi rechikwereti rine zero-kufarira kufarira .
Nzira yakanakisisa yekubhadhara kutenga kukuru pasina kubhadhara chikwereti-kana kuti chero mari-ndeyekuchengetedza kadhi-kadhi yemukwereti isati yasvika iwe uchitsika tsoka mune mall. Makadhi akawanda emakwereti anopa kutengeswa kwemazuva akawanda, achikubvumira kutenga zvipo zvako zvino uye unozobhadhara gare gare, pasina kuwedzera mimwe mitero.
Kazhinji makadhi ane zero kufarira mari yekutengeserana anokupa mwedzi inenge 12 kusvika ku15 kubhadhara mari yakawanda, kutengeswa. Asi mamwe makadhi achaenderera mberi, achikupa makore anenge maviri kuti ubhadhe zvaunotenga. Iko Citi Simplicity kadi, somuenzaniso, ichakupa mwedzi 21 kubhadhara pasi chikwereti chako chekwereti chekwereti pasina kuunza chero chido. Iko US Bank Visa Platinum card ichakupa mwedzi 18.
Kubata: Iwe kazhinji unoda chikwereti chakanakisisa kuti uwane kadhi rine chipo chisingadi-kunyanya kana uri kutarisira kadhi inokupa mwedzi gumi nemashanu kana kupfuura. Iwe unodawo kuve nechokwadi kuti unokwanisa kubhadhara kutenga kwako kusati kadiki 0-pfumbamwe APR inopera. Pangopera kukurudzirwa, chikamu chako chekadhi chichapinza mukati uye iwe unofanira kutanga kutora chikwereti pane zvakasara.
2. Bhalanidza kubhadhara mari yekufambisa.
Vakawanda vanotengesa vachakubvumirawo kubvisa kubhadhara mari yakawanda nekupa iyo inofanirwa kubhadhara mari yekutenga mari pane imwe kadhi rechikwereti redu. Semuenzaniso, nhamba dzinoverengeka dzezororo-chipo nzvimbo dzinopa "hapana kufarira" mari, kusanganisira Apple Store, Toys R Us, Best Buy uye Kay Jewelers. Aya mapurogiramu ngaakupe kutenga yako ikozvino uye ubhadhara zero chikwereti kune chikwereti-kana iwe uchibhadhara yako kutenga kamwechete nguva isingabatsiri yapera uye usasarirwa kuripa kupi zvako.
Kubata: Kana iwe usingakwanise kubhadhara mari yakazara yekutenga kusati kwatengeswa nguva yacho isingagumi, iwe hausi kungova nemhosva yekufarira pane zvakasara-iwe uchange uine chikwata chekudzorera zvakare kubhadhara pamutengo wawakapedza!
VaPresi pamakadhi ekufambisa anofanirwa zvakare anonyanya kukwirira, saka iwe unogona kuwedzera nebhadharo huru kana iwe ukasarirwa "pasina chido" nguva yakatarwa. Maererano nekuongororwa kwechangobva kuitwa neWallet Hub, somuenzaniso, vazhinji vanofuratira zvirongwa zvekufarira zvikwereti zvakanaka kupfuura makumi maviri.
Shandisa zvakanyanyisa iwe usati wabvuma kunyora urongwa hwechirongwa ichi uye iva nechokwadi chokuti unonyatsoziva kuti iwe unoda kubhadhara sei mwedzi mumwe nomumwe kugogodza kunze kwekupedzisira kwekusimudzirwa.
3. Shandisa kadhi reAmEx uye bvunza kana iwe unogona "Kuronga."
Muna 2017 American Express yakaratidza kubhadhara kushandiswa kushandiswa kunonzi "Pay It Plan It" iyo inokubvumira kubhadhara zvimwe zvekutenga kusingabatsiri pane imwe nguva. Kana ukasarudza Plan Izvo, American Express ichagadzira chirongwa chekugadzirisa kusingabatsiri chinokubvumira kuti ubhadharire kutenga kwako nediki, kuwedzera kunowanikwa pamwedzi. Iwe unogona kusarudza chirongwa chemwedzi mitatu chokubhadhara, mwedzi mitanhatu yekusarudza kana chirongwa chemwedzi wepfumbamwe, zvichienderana nebhajari yako. Iwe unogonawo kubhadhara bhaari yako mangwanani.
Kubata: Iwe unofanirwa kubhadhara mari yakatarwa pamwedzi chero bedzi iwe une Plan Plan yakaringana. American Express haina kurondedzera kuti vatengi vanobhadhara zvakadini, saka hazvisi pachena kuti muchachengetedza zvakadini. Pane kudaro, inotaura kuti mari imwe neimwe ichaverengerwa mumwe nomumwe.
Hasi zvese zvinotenga zvinokodzera. Iwe unofanirwa kushandisa mari shomanana ye $ 100 panguva yekushandisa zvakasarudzwa nechisarudzo uye haugoni kuyananidza kutenga kune imwe chirongwa.
4. Ita zvaunotenga pamarara.
Zvitoro zvakawanda zvinopawo zvirongwa zvisingabatsiri zvirongwa panguva dzezororo, zvichikubvumira kusarudza zvakanaka kutenga nguva isati yapa kupa zvipo, kuisa pasi mubhadharo maduku uye kubhadhara mamwe ose mwedzi miviri. Zvitoro zvichabata pakutenga kwako kusvikira wapedza kuripa iyo kuitira kuti usafanirwa kunetseka pamusoro payo kutengesa kunze.
Kubata: Vakawanda vanoronga zvirongwa vanobhadhara mari shomanana yebasa (inowanzokomberedza $ 5 kusvika ku $ 10), saka iwe uchatozofanira kubhadhara mari kuti ubvise mari yako. Kunyange zvakadaro, vamwe vanochengetedza vanochengetedza mari iyo munguva dzezororo. Iwewo hauzove nenguva yakawanda yekubhadhara. Zvirongwa zveLayaway zvinoda kuti iwe ubhadhara kutenga kwako mukati memwedzi miviri.