Chikwereti inzira yeupenyu kune vakawanda vashandi. Zvinogona kuva zvinopisa zvokuti kuparara kunoita semhinduro chete. Nokuti kubhadhara kunogona kuva nemigumisiro yakaipisisa kune chikwereti chako , zviri nani kutsvaga dzimwe nzira dzisati dzaisa Chitsauko 7 kana Chitsauko 13 kuvhara. Kana imwe yenzira idzi dzisina kubhadhara dzinoponesa chikwereti chako, zviri nani kuti uzvitore, kunyange kana zvichitora nguva shoma kana kutengesa zvishoma kuti ubvise chikwereti chako.
01 Kutengesa Zvimwe Zvaunoshandisa
Iwe unogona kutengesa fenisha yako, zvishongo, uye magetsi pa eBay, Craigslist, kunyange pamberi pako yadhi. Iyi ndiyo nzira yakasimba yekudzivisa kubhadhara here? Zvichida. Vanhu vazhinji havagoni kupfuurira kusagadzikana kwekurarama pasina zvinhu zvavo, asi iwe unogona kugadzirisa uye inongova kwenguva pfupi. Ichakubatsira kuti urege kubhadhara uye usarega chikwereti chako.
02 Chengetedza Nzira Yako Kubhadhara Chikwereti
Unogona here kubhadhara chikwereti chako kwenguva yakati? Iwe unofanirwa kuite kana iwe ukaisa Chitsauko 13 kubhadhara kana kuchengeta zvinhu kana kuti iwe wakakundikana nzira dzekuedzwa kweChitsauko 7. Kana ukanyatsoongorora bhajeti yako, unokwanisa kukwanisa avo vakanaka-ku-haves akafanana netambo kana saterevhizheni terevhizheni, pasiline uye foni. Iyi ndiyo mienzaniso yezvimwe zvikwereti zvaunogona kuchera pasina kurwadziwa kwakanyanya.
Kana iwe uchitove uri kurarama pabhadhadha isina kubhadharwa, zvakadini nekuwedzera mari yako kuburikidza nekushanda kwemaawa akawanda kana imwe nguva-nguva? Kuzvivaraidza uye unyanzvi zvinogona kukubatsira kuti uwane mari yakawedzerwa kuti urege kubhadhara. Heano maonero 90 ekuwana mari yakawedzerwa kubhadhara chikwereti chako.
03 Bvunza Vatengi Kuti Vakubatsire Kudzivisa Bhizimisi
Vakatora chikwereti vangave vachida kuwana mari kubva kwauri kupfuura mari hapana zvachose. Rega vatengi vako vazive kuti une dambudziko rezvemari uye unoda kudzivisa kubhadhara. Taura chido chako chekubhadhara chikwereti uye kubvunza kana vachigona kubatsira kuderedza mutoro nekuderedza kubhadhara kwemwedzi wako kana kuderedza chikwereti chako chekuda (kana kuti zvose). Vakawanda makambani ekubhadhara kadhi rechikwereti nemabhangi vane zvirongwa zvekuoma zvakaitirwa rudzi urwu rwemamiriro ezvinhu.
Iwe usati wapinda chirongwa chinotambudza uone kuti kubhadhara kwako kwemwedzi uye wekuda kwekutora kunowira pasi. Kana zvisina kudaro, iwe unogona kubatanidzwa nebhadharo yepamusoro.
04 Tsvaka Consumer Credit Counseling
Kana iwe usina ruzivo ruchishanda nevako vane chikwereti iwe pachako, bvunza rubatsiro rwechiremba. Tsvaga mutengesi wekwereti yemutengi uyo ane ruzivo rwekushanda nevakweretesi kuti awane chikwereti chako uye chikwata chekuderera chiri kuderedza.
Mutemo mutsva wekubhadhara unoda kubhadhara mari yechikwereti kusati kwasvika kubhadhara kusinganwe zvakadaro saka zvakakosha kuti tinyatsofunga kubhadhara mari yechikwereti sekushandiswa kwebhengi. Chikwereti chekuita chikwereti chekuita chikwereti chingaita sechisingakwanisi, asi kana ukatarisa, unogona kuwana mashumo mubhajheji yako inokubvumira kuti uite mari.
05 Gamuchira Rubatsiro Kubva Mhuri Neshamwari
Kazhinji, kukwereta mari kubva kumhuri neshamwari chinhu chakaipa. Izvo zvave zvichizivikanwa kuumba matambudziko uye kunyange kugumisa ukama. Asi pane zvakasiyana nemitemo yose, uye kuparara ndeimwe. Tora nguva yekuverenga mari yakawanda yaunoda kuti urege kubhadhara. Nyatsofungisisa kuti iwe unokwanisa kupa zvipi, saka bvunza shamwari nemhuri kuti ikubatsire kuti uite mutsauko. Usati wasvika kwavari nehombodo yako yakauya, vauye neurongwa hwekuti iwe uchavatsiva sei kana iwe mamiriro ako emari akatendeuka.
06 Garai nevatengi uye Chikwereti Vanounganidza
Kukweretesa chikwereti ndechimwe chezvinhu izvo zvinofanira kudziviswa pasi pemamiriro ezvinhu akadai. Zvisinei, rudiro rwekugadzirisa harusi rukuru. Kana iwe uchifanira kusarudza pakati pekugadzirisa zvikwereti zvishomanana kana kuisa chikwereti, chengetedza chikwereti, asi ita zvakanaka.
Chokutanga, usashandisa kambani yekugadzirisa chikwereti. Nguva yakawanda uye mari yakawedzerwa inoenda kumakambani aya. Chechipiri, usagadzirisa chikwereti chipi zvacho chaunenge uchibhadhara nacho. Pane kudaro, funga nezvezvikwereti izvo zvave zvatove zvarayirwa kana kutumirwa kuunganidzwa. Pakupedzisira, iva akagadzirira kubhadhara chikwereti chemari yekugadzirisa chikamu nokukurumidza apo chibvumirano chaitwa.
07 Shandisa Zvinhu Zvose Zviri Mutsamba
Pane kuverenga kuburikidza nenyaya iyi uye kufunga kuti hapana chimwe chezvinhu izvi chichakushandira iwe, funga nezvenyaya yose sechikwata chezvigoni zvaungashandisa kudzivisa kubhadhara. Semuenzaniso, unogona kukwanisa kubhadhara mari kana iwe uchitengesa zvimwe zvinhu, kudzosera kubhadharo yako, ita nekutengesa nevatengi vako, uye kukwereta mari kubva kumhuri neshamwari.