Hezvino izvo zvaunofanira kuita kana iwe unotarisana nekunatswa.
Ikugadzirisa Hakunofanira Kuuya Sechishamiso
Chokutanga pane zvose, kunzwisisa kuti iyo yakawanda yenguva, kukosha hakufaniri kuuya sekushamisika kwauri. Mukwereti wako achange ashandisa nzira dzose dziripo, kusanganisira maziso, tsamba nekufonera, kukurudzira mhinduro kubva kwauri uye kukukurudzira kubhadhara chikwereti chako. Zvipfeko zvizhinji zvinoda kuti mukwereti awane mutongo wekutonga kutanga. Izvi zvinoda maziso kubva kumagweta anotonga mhaka, mapepa emhosva akashanda kwauri uye mamwe maziso kubva muruvanze. Zvizhinji zvezviziviso izvi zvichati chimwe chinhu chakadai: "Chiratidzo chechinangwa chekubhadhara" kana "Chiratidzo chechinangwa chokugadzirisa." Kunze kwekunge iwe uchiedza kuvanza kubva kune vako vane chikwereti, haufaniri kukwanisa kutora kusaziva apo iwe unobhadhara mari yako kana bhangi yako yebhangi inosvika pfupi.
Kana iwe ukasvika pakatarisa apo mukwereti wako akakumbira dare kuti ichengete mubairo wako kana yebhangi yako yebhangi, pane zvinhu zvakawanda zvaungagona kuita kuti usiye gadziriro uye pamwe zvichida kutendeuka kuti iwe uwane.
Taura neCreditor yako
Kana iwe uchiziva kuti hausi kuzobhadhara kero yako maererano nemitemo yayo, taura nemutengi wako kuti aone nezvemamwe maitiro ekubhadhara. Vamwe vanokwereta havazotauri newe kusvikira wava 60 mamwe mazuva akapfuura, nokuti vamwe vanoda chikwereti vanoda kuziva zviri kuitika musati mava kudarika.
Zvimwe zvezvimwe zvaunokwanisa kutaurirana nemutengi wako zvinosanganisira:
- Kubhadhara kufarira chete kwenguva yakati
- Kuita kwete kubhadhara kwenguva yakati
- Kuita chikwereti chikamu kwenguva yakati
- Kuderedza kudiwa kwechido
- Kupa kugadzirisa iyo nhoroondo kune chimwe chinhu chisingasviki kune chikwereti
Izvo zvinobatsirawo kuziva kuti ungataurire sei nevatori kana kambani yako yakagoverwa kune imwe. Verenga pamusoro peizvi paKubata Chikwereti Chako: Kusangana Nevari Kuwana Chikwereti Chako paunodzidza zvakawanda nezvekuchengeta zvinyorwa zvevatori vako, kutsvaga kuti ndiani ari kuita kudanwa, maitiro ekukwereta kwemhosva chikwereti nezvimwewo.
Kudzivirira mhosva
Kana mukwereti wako akakwidza mhosva pamusoro pako, unogona kunge uine zvidziviriro zvinogona kudzivirira mukwereti kutora mutongo, kana kuti zvingakupa humwe hurumende. Ona zvakawanda paIyo Zvakakodzera kuti Dzivirire Mutemo weKodhadhi?
Iwe unogonawo kudzidza zvakawanda pamusoro penzira yemhosva yakawanda pane chikwereti paTimeline yeMhosva yeMutero weVatengi.
Kana zvichikwanisika, iwe unoda kutaurirana kugadzirisa nemunhu ane chikwereti dare risati rapinda mutongo. Kana uyo akatora chikwereti achikutonga iwe, zvaunosarudza zvishoma. Iwe unogona kunge uchikwanisa kutaurirana kubhadhara mari yekugadzirisa iyo iri pasi peuwandu waunokwereta.
Asi kutonga kuchabvisa zvidziviriro zvese zvaungadai wakaunza panguva yedare rekwereti yako. Mukuwedzera, pasi pemutemo wehurumende, chido chichasungwa pane kutongwa kusvikira chabhadharwa zvakakwana, kunze kwekuti iwe uchitaurirana kugadzirisa.
Chinetso chekugadzirisa
Kana mumwe akakwereta awana mutongo uye akakumbira dare kuti aronge kugadziriswa, uyo ane chikwereti anodikanwa kukuzivisa iwe kusati kwaitwa. Nenzira iyo, kana iwe uine zvidziviriro kune zvigadziri pachako, unogona kuteterera nyaya yako. Cherechedza, zvisinei, kana kugadzirirwa kunotungamirirwa nekambani yako yebhangi, bhagheni inenge ichinyanya kusungira kambani panguva ino kukudzivisa kutora mari kubva mairi.
Kunyange panguva iyoyo yakapera, mushure mekunge dare rapinda mutongi, vazhinji vanokwereta vanowanzobvumirana kubata pamusoro pekugadzirisa kana iwe ukapinda muhutano hwekubhadhara.
Zviri nyore kwazvo kubata nevatori vasati vasvika kumatongerwe enyika. Kamwe kana munhu ane chikwereti asarudza kuisa mhosva, iwe uchange uchitaura nemagweta. Ichokwadi kuti iwe unogona kuti iwe utsire mhaka kana kuvepa iwe pachako, asi kwete chaiyo nzira yakanakisisa yekuita. Iwe unogona kufunga kuti uri kuchengetedza mari nekusaita gweta kuti akudzivirire kana kupokana nekugadzirisa, asi varairi vanogona kukuchengetedza mari yakawanda kupfuura iyo yavanobhadhara. Vatongi vakawanda vanoshanda nevatengi vanopa maitirwo emitengo kana mari shoma. Nzvimbo yakanaka yekutsvaga mutengesi wevatengi ndiyo National Association of Consumer Advocates.
Furai Bhuku Rokuputsa
Kuisa chikwereti chekugadzirisa zvakare kuchaisawo kugadzirisa. Munzvimbo dzakawanda dzinokanganisa, chirongwa chinonzi self automation kugara chinoshanda kana bhadha yakaiswa. Izvi zvinorambidza basa rose rekuunganidza kusanganisira foni netsamba. Inodzivisawo mitongo yakawanda nekugadzirisa. Zvinogona kuitika kuti munhu ane chikwereti abvunze dare rekudarika kukwidza kushandura kwekutsvaga kubvumira kuti kugadziriswa kuenderere mberi, asi dare rinongobvumira izvozvo pane imwe mamiriro ezvinhu chaiwo.
Pasinei nokuti chikwereti chako chinogona kupedzisira chabudiswa munyaya yekushungurudza ndeimwe mubvunzo. Izvozvo zvinowanzoenderana nemhando yechikwereti uye zvimwe pamhando yekushungurudza iwe iwe. Iwe unogona kudzidza zvakawanda pamusoro pekuti madhora anotarisirwa sei muChitsauko 7 neChitsauko 13 kubhadhara muKuburitsa Dhaka: Kukurukurirana uye Kubuditsa Dhaka: Madhora Asingasunungurwi.
Yakarongwa muna March 2018 naCarron Nicks