Avalanche, Snowball, kana Snowflake, Zvaungaita Kuti Ubhadhe Chikwereti Chako
Zvisinei, kunyange izvozvi zvingaita sekunetseka kana une nharo nhanhatu dzakasiyana iwe uri kuedza kubhadhara. Ndinofara, pane mitemo mishomanana yechigunwe iyo inogona kukubatsira iwe kusimbisa chikwereti chako chekubhadhara .
Asi kutanga, ngatitorei chikwereti chekubhadhara chikwereti chako musati tava kupinda muurongwa, sezvo zvicharatidza kuti zvinhu zviri nyore kuronga.
Kuronga Chikwereti Chako
Zvinhu zvekutanga kutanga, unofanira kuwana ruzivo rwakatevera pane chikwereti chako chose:
- Mari inokwereta (muyero)
- Minimum kubhadhara
- Chido chekuda / APR
- Payment due date
Mashoko aya anowanzowanika pane zvataurwa iwe unowanikwa mumakero kana paIndaneti, chero bedzi iwe uine nhoroondo kuti uwane iyo.
Kana iwe usingakwanisi kuwana ruzivo urwu nyore nyore, ingotumidza mutero wako uye uvakumbire ivo ruzivo. Vanofanira kukwanisa kuzvitarisira iwe.
Zvimwe zvikamu zviviri zvemashoko zvatichave tichitarisa zvinosanganisira mazamu ehurumende nemari yemitengo, saka zvinyatsoita kuti uwane vaviri avo vasati vaenderera mberi. Kuva nebhadharo panzvimbo kunogona kuita kuti izvi zvive nyore.
Ita Kuti Chikwereti Chako Chiwedzerwe Nezvaunofarira - Chikwereti Avalanche Method
Izvi zvinozivikanwa se "chechikwereti chechikwereti" nenzira, uye mashematically, ndicho chichakuchengetedza mari yakawanda pamusoro pechikwereti chako chekubhadhara chikwereti.
Izvo zvaunoda kuita ndezvokugadzirisa zvikwereti zvako kubva kune chikwata chakanaka kune chikwata chakanaka chibereko .
Nokuisa pfungwa pakubhadhara chikwereti chako nekutora mutengo wepamusoro kutanga , iwe unochengetedza mari yakawanda nokuti kufarira kuri kuwedzerwa pamaakaunti ako kuchaderera. Kufarira kunogona kuva chinhu chinonyanya kukosha muurongwa hwako hwekubhadhara chikwereti kana iwe usingachenjeri.
A
Semuenzaniso, unoti une chikwereti che $ 10 000 nechikwereti chechido che7%, uye une makore mashanu kuti uibhadhara. Kubhadhara kwako kwepasi pamwedzi kwaizove $ 198, asi kwete iyo yose yekubhadhara ichaenda kunotora chikwereti chiripo.
Pane kudaro, pedo ne $ 58 yemubhadharo wako wokutanga uchaenda kunharaunda pane . Ouch. Kusiyanisa kwekubhadhara kwako kwekupedzisira, umo chete $ 1 inotarisa kune inofarira.
Kuita mari yekuwedzera kunoreva kuputika nekufarira nekukurumidza kuitira kuti zvikwereti zvako zvinyanyoenda kunotungamiri. Zvisinei, iyi nzira inokundikana kutarisa pane zvepfungwa zvinokonzera chikwereti kazhinji.
Ita Kuti Chikwereti Chako Chiwedzerwe Nekuyera - Chikwereti Snowball Method
Zvakadini kana iwe uchiraira chikwereti chako kubva kune chikwidziro chakanaka kusvika kune yakaderera uye uchiwana kuti iwe unotora chikwereti chekuda chikwereti ndeyewo iwe unonyanya kubhadhara? Izvozvo zvingaratidzika zvichikurira, uye iwe hauna kutotanga kuronga zvakare.
Kana izvi zvichizoitika, uye iwe uri kutarisa gomo iwe usingafungi kuti unogona kusvika - uye hausi kufara kusvika - saka iwe unogona kunge uri nani nekwenzira yechikwata chechikwata. Panzvimbo yekutora chikwata, iwe unotarisa kubhadhara chikwereti nechikwereti chakaderera kutanga uye wozoita nzira yako.
Kwete, iwe hausi kuzochengetedza mari yakawanda nenzira iyi, asi kubvisa chikwereti kazhinji kunowanikwa mupfungwa, kwete chiitiko chinonzwisisika.
Iwe unofanirwa kusarudza chero nzira ipi inokuita kuti iwe unonyanya kukurudzira kukanda chikwereti chako kumusana. Kana kuwana kuwana zvishoma zvese kazhinji kunonakidza, ipapo nzira yechando ndiyo nzira yekuenda nayo .
Ngatinyatsoongororai kuti nzira idzi dzekubhadhara chikwereti dzinoshanda sei sezvo kune zvakawanda kune avo vanosangana neziso.
Snowballing Payments Yako ye Momentum
Pari zvino, unogona kunge uchiita mari shoma pane chikwereti chako, asi hazvizokubvumi kuti uwane rusununguko rusununguko. Kana chinangwa chenyu kuve chikwereti pasina kuitira kuti iwe utange kurarama hupenyu husina matambo, saka iwe unoda kutanga kutora zvishoma pane chikwereti chako. Ndiyo nzira iyo nzira yechando yekushanda nayo inoshanda. Iti iwe une madhora 4:
- Credit Card # 1: $ 5,000 @ 12% kufarira
- Credit Card # 2: $ 1 000 @ 15% kufarira
- Mari yechikwata: $ 14,000 @ 4% inofarira
- Mvumo yega yega: $ 10 000 @ 7% inofarira
Newe chikwereti chechikwata chechikwata, iwe unotarisa pane kadhi rechikwereti # 2 kutanga. Nekuda kwemuenzaniso, ngatitaurire kuti mari yako shoma ndeye $ 20. Iwe unosarudza kubhadhara $ 100 kune iyo uchiri kuramba uchibhadhara zviduku pane mamwe ose madhora ako.
Saka iwe uri kubhadhara mari ye $ 120 kune kadhi rechikwereti # 2. Kana ukangozvibhadhara, unoenda kune kadhi rechikwereti # 1. Ngatitii mari shoma yeiyo yaiva $ 60. Iwe unotora $ 120 iwe waibhadhara pa kadhi rechikwereti # 1 pamusoro, kweiyo ma $ 180.
Mushure mokunge iwe wakabhadharwa, unotarisa pamari yako yega, iyo yaive nebhadharo shoma ye $ 198. Ne $ 180 iwe waive uchishandisa kubhadhara kadhi rechikwereti # 1, unogona kubhadhara $ 378 kuenda nayo.
Kana ukambobhadhara chikwereti chako, inguva yekuuraya chikwereti chako chekupedzisira: chikwereti chako chemudzidzi. Iko mari shoma pane iyi yaive $ 260 - asi pamwe ne $ 378, uri kubhadhara $ 638 kune iyo.
Nemuenzaniso uyu, zvinofanira kunge zviri nyore kuona iwe uri "snowballing" yako kubhadhara pamwe chete nekuita hukuru pane imwe nguva iwe uchibhadhara chikwereti. Kana iwe usingashandisi nzira iyi uye uchiramba uchibhadhara zviduku zvese mubhodhi, zvingakutora iwe nguva yakareba kuti ubhadhe chikwereti chako.
Uri kungoshandisa zvinhu zvaunazvo nenzira iri nani. Kubhadhara $ 100 panzvimbo ye $ 20 pamakadhi ekwereti # 2 hazvibatsiri - iwe unogona kubhadhara $ 20 uye snowball iyo-asi inobatsira kukupa mupfungwa yekubhadhara zvimwe pane chikwereti chako.
Iwe unogona kushandisa mutemo iwoyo nenzira yekudzivirira, asi urongwa hwaunobhadhara nayo zvikwereti zvako hwaizosiyana.
Chikwereti Snowflake Method
Asi imwe nzira yaunayo ndeyokushandisa chikwama chechikwereti chechikwereti, uye nzira iyi inogona kushandiswa pamwe chete neye chikwereti chine chikwereti kana nzira yekubhadhara chikwereti.
Sezvaunogona kufungidzira kubva pazita, "kubhururuka kwechando" kunoreva kungoita zvishoma kana zvichibvira .
Ngatiti iwe unowana $ 5 muimba yekurovedza, kana waunoshanda naye anokupa $ 10 yezvokudya zvawakazvitenga mwedzi yapfuura (iwe wakakanganwa pamusoro), kana iwe unogamuchira $ 50 kubva kune hama yako yekuzvarwa.
Muzviitiko izvi zvose, iwe wakagamuchira mhepo shoma shoma yemari - iyi mari yausina kutarisira uye yakanga isati yanyorera mubhadharo yako.
Sezvo iri "yakawanikwa" mari kana "mari" yakawedzera, inotarisa kune chikwereti chako. Iwe ungadai wakararama usina iyo, saka sei urege kuisa kuchinangwa chako che # 1 chekubuda mune chikwereti?
Iwe unogonawo kusarudza kuchando kubhadhara mari apo iwe une mari yakawedzerwa mubhadharo yako. Semuenzaniso, taura kuti iwe wakashandisa $ 20 chete pamhepo inopera vhiki ino, kusiyana ne $ 40 yako nguva dzose. Tumira iyoyo imwe $ 20 kusvika kune chikwereti chako.
Pakupedzisira, unogona kushandisa nzira iyi kana iwe uchibhadhara pane imwe nguva purogiramu. Zvichida iwe uri freelancer kana iwe unobhadharwa pamutemo, uye iwe haugone kubuda kwemari yakawanda, kuwedzera kwemafupa emari. Edza kutumira chikwereti chiduku kune chikwereti chako pose paunenge uchipedza zvishoma pane zvaunofunga kuti iwe ungadai. Kana, sev freelancer, tora 5% nguva dzose apo mutengi akakubhadhara uye akaisa kuchikwereti chako.
Nzira iyi inogona kuonekwa seisingabatsiri pakutanga, asi zvishoma zvishoma zvinowedzera. Kana iwe uchibhadhara $ 20 kuwedzerwa vhiki imwe neimwe, iri imwe $ 100 yawakabhadhara kune chikwereti chako! Kunyanya, iwe unowana rubatsiro rwekunzwa sokuti uri kufambira mberi kakawanda mumwedzi wose, nguva imwe neimwe paunoronga mubhadharo.
Unofanira Kusarudza Sei Kufanoisa Pamberi?
Hakuna nzira yakarurama kana yakaipa. Sezvo nezvinhu zvakawanda mumari yemari yako, zvakakwana kwauri iwe nzira yaunosarudza.
Chinokosha ndechekuti iwe uri kubhadhara chikwereti uye uchifambira mberi pakuguma. Kubhadhara chikwereti kunokuita kuti uwedzere kune zvimwe zvezvinangwa zvemari, uye mari yako pakupedzisira inenge yako. Iwe uchava nerugare rwepfungwa kuti hausisina chikwereti kune ani zvake.
Iwewo haufaniri kunge uchida kusarudza pakati pematauro maviri. Iwe unogona kuedza nzira yechando, uye kana iwe ukaona kuti haisi kukurudzira, shandura kune nzira yekuita. Sarudzo yako haifaniri kuiswa mumatombo. Chinonyanya kukosha ndechekuti iwe unofunga kubhadhara chikwereti chako .
Usakanganwa Kubhadharwa Kwemaripo
Sezvaunofanirwa kuita bhajeti rekuponesa, iwe unofanirwawo kugadzirisa mari yekuwedzera chikwereti, kunyanya kana iwe wakashandiswa kubhadhara zvishoma.
Dhura bhajeti yako uye ona kana pane nzvimbo ipi zvayo yaunogona kutora kubva pane imwe nguva . Zvichida iwe unogona kuenda usina kudya kwemwedzi, uye shandisa $ 50 yawakagovera iyo kune chikwereti. Kana kuti zvimwe unogona kukonzera kabheji uye kutanga kutumira $ 150 kuenda kune chikwereti chako.
Ratidza kuti unogona kubhadhara mari yakawanda sei, uye iva nechokwadi chokuti inowanikwa mubhadharo yako. Iwe haugoni kuronga mari chete nekuda kwebhadharo shoma uye zvino shandisa chero chakasara pamagumo emwedzi kune chikwereti chako nokuti iwe uchagumisa kushandisa mari iyoyo. Nhoroondo yebhadharo yakawedzerwa mberi kwenguva kuitira kuti iwe usati waedzwa kuti upedzisire mari pane chimwe chinhu.
Kana iwe usingafari nematarisiro ekuderedza zvimwe zvinhu, yeuka kuti izvi ndezvenguva pfupi . Iwe unogona nguva dzose kutanga rutivi kuti uwane mari yakawanda kune rumwe rutivi kana iwe uchida kuramba uchingoshandisa mari yakafanana, uye utumire mari yose yakawedzerwa yaunoita kune chikwereti.
Ko kana iwe usina mari yakawedzerwa , uye chikwereti chako chiri kubhadhara? Dana vako vane chikwereti uye vabvunze kana pane imwe nzira yekugadzira mutero wakaderera kuti utange nawo, kusvikira unogona kuwana kukurumidza uye zvichida kuwana zvakawanda. Ingove wakangwarira makambani ekugadzirisa zvikwereti kupa chipo ichi pamutengo.
Uine sangano shomanana, kushingaira, nekushingaira, iwe uchava chikwereti pasina pasina nguva.