Nzira Yokubhadhara Nayo Kubhadhara Chikwereti Chekwereti Zvakanaka

by Justin Pritchard

Chikwereti kadhi chikwereti chinotyisa. Iwe unogona nyore kushandisa mazana emadhora mwedzi woga woga, usingatombogadziri muhomwe yako chikwereti.

Asi pane imwe nzira: kana iwe uchibhadhara yako makadhi emakadhi, mari iyo yose ichawanikwa kune zvimwe zvinhu zvinokosha. Iwe uchakwanisa kuronga nekuchengetedza zvinangwa zvemunguva yemberi, uye iwe uchanzwa kusanyanya kudzvinyirira mwedzi mumwe nomumwe kana zvikwereti zvako zvakakodzera.

01 Mugwagwa uri mberi

Kana iwe wakasvika kusvika apo iwe wakagadzirira kubhadhara kadhi rako rechikwereti chikwereti - asi iwe hauzive kuti ungazviita sei - inguva yekuumba chirongwa. Izvi hazvifaniri kunge zvakaoma. Ichokwadi, iwe unowanzobudirira nehutano (asi hwakasimba) sarudzo. Tichafunga nezvezvinhu zvitatu zvinokosha:

Nzira yekubhadhara makadhi ako
Nzira dzokubhadhara chikamu chiduku apo iwe unoderedza chikwereti
Zvikanganiso zvokudzivisa

Zvinhu zvekutanga kutanga: iwe unoda mari kubhadhara chikwereti chako. Pasinei nokuti iwe unowana mari yakawanda, shandisa zvishoma, kana kutengesa zvinhu zvausingadi chaizvo, izvi zvinongobvira kana iwe uine zvishoma zvishoma mari yakawedzerwa. Unoda dzimwe pfungwa pamusoro penzira dzekudzivirira? Pano pane makumi maviri.

Iwe unogona zvechokwadi kuzvipira kana iwe uchida-haisi iyo pfungwa yakaipa yokukanda mari yakawanda pamabhiridhi ako kadhi rechikwereti. Asi nechinguva chiduku, iwe uchawedzera chivimbo chako uye mikana yako yekubudirira.

02 Yakarurama

Kuti ubhadhara chikwereti, iwe uchada kubhadhara kupfuura zvishoma. Asi iwe unofanira kunyatsoita sei izvozvo? Chero mari ipi zvayo pamusoro nepashure pemari yako yaidiwa ichabatsira kuderedza chikwereti, uye kune nzira mbiri dzakakurumbira dzakashandiswa nevamwe kubudirira.

Chikwereti snowball: "chikwereti chechikwereti" inzira yekuvaka kukurumidza sezvo iwe uchideredza chikwereti. Yakaparidzirwa naDave Ramsey, pfungwa yacho ndeyokubhadhara chikwereti chako chiduku kutanga, uye ubhadhara chikamu chako chinotevera , uye shandisa nzira yako. Somuenzaniso, kana iwe une makadhi maviri emakadhi, mumwe ane $ 400 chikwereti uye umwe ane $ 2000 muyero, iwe unogona kubhadhara $ 400 kadhi kutanga. Iyi nzira inonzwa yakanakisisa - iwe unosangana nekukurumidza uye nekuwedzera zvakakunda kukunda pane rwendo rwako kune chikwereti rusununguko. Zvidzidzo muhutano hwehutano zvinotitaurira kuti vamwe vanhu vanowanzowedzera purogiramu nemugwagwa uyu.

Chikwereti chechikwereti: imwe nzira ndeyo "mari yakakwana" nzira. Panzvimbo pokubhadhara chikwereti chako chiduku, iwe unofunga nezvekubhadhara chikwereti nemutengo wepamusoro wekutanga. Somuenzaniso, kana iwe une makadhi maviri emakadhi, mumwe achibhadhara 10% APR uye mumwe achibhadhara 18% APR, iwe unogona kubhadhara kadhi iyo inodhura 18% nekukurumidza. Kunyange kana iwe ukagona kubvisa kadi ye 10% nokukurumidza (uye zvichakutora iwe makore akawanda kuti ubhadhe kare 18% kadhi), chinangwa chako ndechekubhadhara sechidimbu zvishoma sezvingaita . Iwe hauchazovi nemafungiro akafanana ekugutsikana kwepfungwa sezvaunenge uchiita nekwereti yechando, asi iyo inodhura zvishoma munguva refu.

Ndeipi nzira yaunofanira kushandisa? Iyo inoshanda - zvimwe yakanaka. Chinangwa chikuru-chekubhadhara ndechekubhadhara chikwereti chako, uye nepo zvingaita kuti mashematical sense kushandisa chikwereti ichocho, hazvina maturo chero kunze kwokuti iwe unobhadhara chikwereti. Kana iwe ukawana kuora mwoyo uye kurasikirwa nechido (kana kuona icho munguva yako yemberi), edza chikwereti chechikwata.

Kana iwe uchida kunyatsoona kuti mazano aya maviri akaenzanisa sei, tanga nhamba iwe pachako. Hazvisi zvakanyanya kuoma kuvaka tafura inoratidza kuti iwe mari yako yekubhadhara chikwereti (uye zvekare zvakadini) inoshanda .

03 Paunenge Wamirira

Zvinotora nguva kubhadhara kadhi rechikwereti chikwereti - zvichida makore akawanda. Kana iwe uchikwanisa kudhara chikwereti kune chikwereti chechikwata chechikwata, iwe uchachengetedza mari (uye ubhadhe chikwereti chako nekukurumidza). Zvikonzero zvikuru zvekunamatira nezvikwereti zvemakadhi zvinogona kuva:

Kana iwe uine 0% APR kadhi kadhi
Iwe uchashandisa kadhi rechikwereti kushandiswa kwekubhadhara kushandisa zvinyorwa zvekutsvaga zviduku zvinotengeswa (uye iwe uri kuzoshanda nesimba zvakakwana chikwereti chako)

Mamwe maitiro kune makadhi

Kana iwe uri kubhadhara zvakanyanya pane yako kadhi rechikwereti, pane zvakawanda zvekushandisa. Iwe unogona kusarudza kusimbisa zvikwereti zvako (kana kuunganidza zvikwereti zvako kune imwe chikwereti chikuru) - kunyanya kana iwe unogona kuwana chikwata chakanaka.

Ndezvipi zvekubhadhara iwe unogona kushandisa kusimbisa kadhi rechikwereti chekwereti? Zvakanakisisa kushandisa mari dzisina kubhadharwa dzisina kukwana : idzi zvikwereti iwe unokodzera kubhadhara chete pane zvikwereti zvako uye chikwereti . Iwe haufaniri kutora chero chibvumirano (zvinoreva kuti haungarasikirwi chero chinhu chinokosha kana usingagoni kubhadhara chikwereti - kunyange chikwereti chako chichatambura ). Chikwereti chekwereti chikwereti chave chisina kuchengetwa chikwereti, saka iwe unoda chikonzero chakanaka chokutsvaga kune chikwereti chakachengetedzwa.

Vezera rekuda zvikwereti zvikwereti zvinowanzobva kune vamwe vanhu , kunyange dzimwe nguva bhengi mari inotora chikwereti. Panzvimbo yekubhadhara kubva kubhengi rekuno kana kubhadhara chikwereti, iwe unoshandisa chikwereti kune vezera rako kuti uone chikwereti chewebsite. Vanhu vane mari yakawanda varipo vanogona kupinda mukati kuti vatsigire chikwereti chako, uye iwe unowanzobhadhara chikwereti chakaderera kudarika iwe waizobhadhara kune vatenzi vemazuva kana kadhi rechikwereti.

Vatengi vatengesi pamusika ndeye chizvarwa chinotevera chezera kune vezera rako . Zvakare, iwe uri kutora chikwereti kubva kune vasiri vebhanki vatengesi: vatengesi (ingave vari masangano, mabhengi, kana mamwe masangano) nemari yakawanda inosarudza kuti kana kuti kwete kubhadhara chikwereti chako, kazhinji chinowanikwa pachikwereti chako chikamu uye mari. Kana iwe uine chikwereti chakaipa kana iwe usati wambovaka chikwereti chako , vatengesi ava vanogona kutarisa "dzimwe nzvimbo" zvemashoko ekutora kana kuti kwete kubvumirana nemari yako.

Mabhandi nemakambani emakwereti anofanirwawo kutarisa. Vanogona kupa zvikwereti zvisina kubhadharwa zvemari nezvikwereti zvisinganyanyi kudarika chikwereti chekwereti chibereko. Makambani emabhadharo dzimwe nguva anodhura mari kupfuura mabhengi (uye akawanda anoda kugamuchira zvikwereti), saka iva nechokwadi chekutarisa mashomanana emakambani emakero sezvaunotenga.

Drawbacks

Kana iwe ukasimbisa chikwereti, iwe unoda kuziva nezvematambudziko maviri angangodaro.

Kwete zvinyorwa: mushure mekunge iwe uchibhadhara kadhi rechikwereti rine chikwereti chekubatanidza, chiri kuedza kushandisa kadhi iroro zvakare nekukwereta chikwereti. Usazviita. Yeuka kuti iwe hauna kubhadhara chikwereti chipi zvacho - iwe wakangoshandura chikwereti chako kune imwe nzvimbo.

Mibairo yakakwirira: kana ukashandisa chikwereti chekubatanidza, iwe unogona kunge uchikweretesa pamwedzi kune imwe yako yekadhi rechikwereti "zviduku" zvinowanikwa pamwe chete. Ndiko nokuti iwe uri kubhadhara chikwereti chako - uye iwe unowanzoita izvi mukati memakore matatu kusvika mashanu. Iva nechokwadi kuti unoziva zvauri kupinda iwe usati wabvumirana chero chinhu. Shandisa mari yekubhadhara chikwereti kuti uone kuti mari yako inotarisa sei (uchishandisa chikwereti chako pane chikwereti chekwereti) kupfuura makore matatu emakore.

04 Zvaunofanira Kudzivisa

Iwe wakatotora chikwereti chekwereti chechikwereti, asi zvinhu zvinogona kuipa. Zviri kuedza kugadzirisa nekukurumidza, uye zvimwe zvekugadzirisa izvi "zvakashata zvingangoshanda." Asi kana iwe uchizoshandisa mazano ari pasi apa, ziva kuti iwe ungave uchiita chikanganiso chakakosha chinogona kukurova kweupenyu hwose.

Raiding Retirement

Ndekupi iyo yako huru yemari yemari? Kune vakawanda, iri mumabhadharo epamberi semakore 401 (k) kana IRA. Wakapedza makore uchivaka iyo mari, uye iwe hauzovashandi chero nguva pfupi, saka sei usingashandisi kubhadhara kadhi rechikwereti chikwereti?

Dambudziko nderokuti iwe unotanga kutanga kubva pakutanga kana zvasvika pakuponesa kwekurega basa. Iwe wakwegura ikozvino kupfuura iwe iwe pawakatanga kuponesa nekuda kwekurasikirwa. Kuti udzokere kwaunenge uri, iwe unofanirwa kuita zvipo zvakakosha kumabhengi ako epamberi - zvichida mari isingabvumirwi (yakafanana nekadhi kadhi rechikwereti). Iwe unenge uine dambudziko rimwe chete, asi iwe uchasika imwe yakasiyana - uye hakuzovi nekugadzirisa kwakakurumidza kunowanikwa gare gare.

Iwe unogona kuona ichi sechinhu chako chega choga kuti usakanganise zvikwereti zvako kana kubhadhara, asi iwe unoda kutaura kune avo vemukati vechene uye mugadziri wezvemari usati watora mari yekurasira mari. Mune zvimwe zviitiko, mari yako yekuchengetedza mari inodzivirirwa kubva kune vane chikwereti - kunze kwekuti iwe pachako unokwevera mari kunze. Hazvingave zvakanaka here kuti uve nemamwe zvinhu kune zita renyu, kunyange kana iwe uchida kuzivisa kubhadhara?

Kupikira (Zvakakosha) Kudzora

Kana iwe uine chikwereti chechikwereti chakakosha kana usina mari yakakwana yekukweretesa chikwereti, unogona kuedzwa kubhadhara zvinhu zvako. Zvinosuruvarisa, iwe unogona kuisa njodzi pane iwe usina kumbove nawo: kana ukarega kuita kadhi rechikwereti, zvikwereti zvako zvikwereti, asi hakuna munhu angauya achidzorera motokari yako kana kukumanikidza kunze kweimba yako.

Kana iwe ukawana chikwereti chekuwana chikwereti , iwe uchange uine mari yakawanda paine chidimbu chechibereko. Zvisinei, zvikwereti izvi zvakachengetedzwa nechisungo paimba yako . Kana ukakundikana kubhadhara chikwereti, vateresi vanogona kutarisa pamba uye vanozvitengesa kuti vadzorere mari yavo zvakare.

Izvozvowo ndezvezvikwereti zvemusoro wemotokari : unogona kutenga mari nokukurumidza, asi iwe unoda kuita zvose zvaunotora panguva. Kana iwe usingaiti motokari yedu inogona kudzorerwa zvakare, uye iwe uchange uine nguva yakaoma yekuenda kubasa nekuwana mari. Izvo zvichaita kuti zvive zvakaoma kubhadhara zvikwereti.