Zvikwereti zvehupenyu husina chikwereti zviri nyore kunzwisisa, asi zvakakosha kuti uzive zvinetso zvauchasangana nazvo uye kuti ungakunda sei kana iwe ukarega kutamba mutambo wechikwereti.
Kusashandisa chikwereti zvinoreva kuti hauzove nekwereti yekwereti iwe uchange uine chikwereti chechikwereti chakaderera. Izvi zvinogona kuita kuti zvive zvakaoma kutenga zvinhu, nekudzoka zvakare munyika yekwereti chikoro zvinogona kuva zvinorwadza kana zvirongwa zvako zvichinja.
Kuchengetedza Zvimwe, Kupedza Zvishoma
Rimwe rematambudziko makuru ehupenyu husina mararamiro ari kubhadhara zvinhu zvose nemari. Hazvifanirwi kuva pepa mari; inogona kuva kadhi yebhadharo. Nokutenga kukuru, izvi zvinogona kuva zvakaoma.
Iwe unofanirwa kuchengetedza mari yakawanda yekutenga motokari pasina kuibhadhara mari, uye zvakanyanya kuoma kutenga imba. Kana iwe usingaiti chikwereti, zvinotora nguva yakawanda, mari yakawanda kana kuti zvose zviri zviviri kutenga zvigadzirwa zvakawanda. Kune vanhu vakawanda, sarudzo yakasarudzwa ndeyokumirira kwenguva yakareba kuti vatenge-uye kutenga zvinhu zvisingadhuri mari.
Nzira Yokushandisa Nayo Pasina Kadhi Remari
- Zuva-kusvika-zuva zvinodhura: Unogona kubhadhara mari yezuva nezuva-zvekudya, zvitsva, varaidzo, kudya, nezvimwewo-nemari kana kadhi yebhengi. Cash inogadzirisa bhajeti nyore kana iwe ukashandisa nzira yevulopu , asi kuchengeta mari kumativi kune ngozi. Kadhi kadi yekubatanidza yakabatanidzwa nekodha yako yekuongorora inokupa zvose zviri nyore zvekadhi rechikwereti, asi iwe uchashandisa chete mari yaunayo.
- Mwedzi miviri yemari: Kana wakambojaira kubhadhara zvikwereti zvemwedzi zvakadai sefoni yako, zvishandiso, kana gym kubatana nekadhi rechikwereti, iyo ndiyo tsika nyore nyore kuputsa. Shandura kubhadharo yepaIndaneti kuitira kuti bhangi rako ritumire mari kune biller yako nekucheka kana kuwedzerwa kwekombiyuta. Kungofanana nekadhi rechikwereti, unogona kugadzirisa zvinhu kuitira kuti kubhadhara kuende kamwe chete. Zvimwe, iwe unogona kuripa mabhiriro aya nebhadhiro yako yemari.
- Makadhi akabhadharwa: Kana usina chikamu chekuongorora, unogona kushandisa kadhi rebhadhiro rakabhadharwa panzvimbo yekodhi yemadhidhi. Makadhi akabhadharwa "anotakurwa" nemari usati waishandisa, saka iwe unogona kuisa sadhi racho kana kuita mubhadharo mari yepaIndaneti kubva pane zvakakosha. Kadhi rinomira kushanda mushure mekushandisa iwe muyeri yako.
- Debit vs. makadhi echikwere: Makadhi ekubhadhara uye makadhi ekubhadharwa anokonzera kushandiswa kwezuva nezuva pane makadhi emakadhi. Kana mumwe munhu akabata nhamba yako yekodhi yekodhi uye akashandura mhosva, iyo mari inobva pachokwadi chekutarisa. Iwe unowanzochengetedzwa kubva kune ufeve uye zvikanganiso , asi iwe unofanira kuzivisa bhanki rako nekukurumidza kuitira kudzivirirwa kwakanakisisa. Dambudziko rechokwadi nderokuti kambani yako inogona kubviswa zvishoma nezvishoma, ichiita kuti iwe uwane mari , uye izvi zvinogona kuguma nekugadzirisa kwemashoko ekuchenesa. Apo nhamba yako yekadhi rechikwereti inobirwa, mbavha dzinopedza mari yemudzidzisi wemakadhi, iyo inokupa nguva yekuchenesa zvinhu zvose usingatori kero yako yekuongorora inobatanidzwa.
- Mari yakasvibirira: Makadhi ekubhadharira anogonawo kunetseka apo kadhi inotumidzwa mushure mokunge mari yako yakashandiswa inozivikanwa. Izvi zvinowanzoitika kana iwe uchikwereta motokari kana imba yepahotera, kana kana iwe ukazarura tab pausikuki. Mutengesi achapa-kutendera chikwereti chako uye nekuvhara mari munguva yako yekuongorora . Izvi zvinodhaka zvinofanira kuwira shure kwemazuva mashomanana, asi mhosva dzakawanda pamwe nekacheche yekuongorora iyo inotsika pasi inogona kukonzera dambudziko. Iwe unogona kuva nemari yakawanda, asi kana bhanhire iri risingakuregi iwe kushandisa mari yako, kadhi yako inorambidzwa uye kuongorora kunowedzera. Chengetedza mari yakawanda yemari mukutsvaga kuti urege kudzivisa matambudziko, uye chengetedza bhaari yako iripo iripo nguva dzose.
- Kadhi yebhadharo inodikanwa: Kadhi yemadhidhi inoshanda pose pose, kunyange kana fomu iri paIndaneti ikukumbira kuti uise nhamba yekadhi rechikwereti. Muzviitiko zvisingawanzoiti, sangano rekubhadhara motokari rinoda kadhi rechikwereti panzvimbo yekadhi yebhadharo kuti uite gadziriro. Tsvaga nguva isati yakadini makadhi anogamuchirwa kana kuti chii chinodiwa kana iwe uine kadhi yebhadharo, kunyanya kana uchida kukwereta motokari.
Kutenga Imba
Kune vamwe, kukanganisa kubhadhara kunoguma pakutenga imba. Iwe unogona kuchengetedza uye kubhadhara mari yezvinhu zvakawanda, asi dzimba dzinogona kutenga mazana ezviuru zvemadhora, izvo zvingatora makumi emakore ekuchengetedza kwakanyanya kune vakawanda vatengi. Kana iwe ukasarudza kutenga chikwereti, iwe unoda kushanda zvakaoma zvishoma kune vakawanda vanokwereta nekuda kwekushaya kwako chikwereti.
- Chimwe chikwereti: Unofanirwa kubvumidzwa zvichienderana ne "mamwe maitiro" pane nzvimbo dzechizvarwa chechikwereti cheFICO kuti uwane mvumo kune chikwereti. Izvi zvinoderedza nhamba yevateresi iwe uchakwanisa kushanda navo nokuti vamwe vateresi vanosarudza kusafunga kunze kwebhokisi. Inogadzirisawo mhando dzezvikwereti zviripo. Iwe unowanzowanikwa kuwana chikwereti chakachengetedzwa nehurumende yeUnited States, yakadai sechikwereti cheFHA . Kuti usarudze chikwereti chako, vateresi vachatsvaga ruzivo pamusoro penguva dzose-nguva yekubhadhara kwaunoita, yakadai sokubhadhara, zvishandiso, uye mari yemisimisi. Iva nechokwadi chokuti iwe unobhadhara pane imwe nguva kwemwedzi gumi nembiri usati wabvunza chikwereti.
- Mutsva: Chimwe chinhu chinokosha ndiyo mari yaunenge uripo yekuripa chikwereti chekutenga chikwereti. Paunenge uchiita zvinyorwa zvinyorwa -izvo ndizvo zvaunoda kana iwe usina vatsigiri vechikwereti vechikwereti zvichida vanoda kuona chikwereti chenyu chekuwana chikamu chinopfuura 43 muzana, uye pasi chiri nani.
- Zvigaruriro: Zvinobatsirawo kuva nemari mubhangi. Kana uri chikwereti chisina chikwereti, zvichida uripo kare. Kana iwe uine mari yakachengeteka iwe uri, iwe unowedzera kuve wakagamuchirwa, kunyange pasina chikwereti chenhoroondo.
- Kugadzikana: Vatengesi vari kutsvaga chimwe chinhu chaicho, kana kuti sevanoswedera pedyo navo sezvavanogona kuwana. Nhoroondo yakareba yebasa inobatsira nekuti inoratidza kuti iwe ucharamba uchingowana mari isingagumi. Shanduro yamunoshanda nayo inogonawo kuva chinhu. Basa rekuunganidza nguva isingatendeseki, asi basa rehurumende rinowanzotarisirwa rakachengeteka.
- Nguva yekuvhara: Pasina zvikwereti zvechikwereti zvekare, zvinotora kunyange nguva yakareba kupfuura yakasara kuti uwane chikwereti. Bhuku rekunyora pasi nderokushanda-basa guru nokuti mumwe munhu anofanira kuongorora uye kuongorora zvose zvese. Ichi chinhu chakaipa zvikuru kana iwe uri kutenga mutengesi wemutengesi, uye zvinogona kuodza mwoyo. Tanga pamusangano pakarepo kana zvichibvira kana iwe uchigara mumusika unotyisa, nguva refu usati waita chipo.
Unofanirwa Kubvisa Kwereti Zvakakwana Here?
Usati wadzidza chikwereti chakanaka, ziva kuti sei iwe ungada zvakanaka chikwereti kuitira kuti iwe unogona kuita chisarudzo chakanaka chekuita kunze.
- Hazvifaniri kutora mari yekuvaka chikwereti uye kuchengetedza zvikuru chikwereti chikoro. Iwe unongobhadhara chikwereti kana iwe ukwereta mari. Kana iwe usingafaniri kukwereta, shandisa kadhi rechikwereti rezuva rega rekupedza uye ubhadhe kadhi buri mwedzi. Iwe une mazuva makumi matatu emazuva omutsa zvisati zvawanikwa mari yekutora, saka iwe haugone kubhadhara penny muzvibereko, kuchengetedza chikwereti chako, uye uve nehuwandu hwekuwedzera kadhi rechikwereti.
- Kana iwe uchinge uchida mari , zvakanaka kuti uve nechikwata chakasimba chekwereti. Zvakare, chikwereti chinongova chinetso kana chichirembera kwenguva refu. Iwe unogona kuchengeta kadhi rechikwereti rakazarurirwa nekuda kwekukurumidzira-usashandise kuti utenge zvakawanda kupfuura zvaunogona kutenga. Kurarama pasina chikwereti kunonakidza, kunyanya mushure mekunge maona nguva dzakaoma. Asi kana iwe ukambochinja pfungwa yako uye uchida kukwereta, iwe unofanira kutanga kubva pakutanga mushure mokurega chikwereti chako chikaoma zvachose.
- Iwe haugoni kubvisa zvakapfuura. Kunyange kana iwe ukaenda chikwereti-pasina, chikwereti chako chekwereti chiripo, uye chinogona kuramba chichikonzera matambudziko. Dhaka dzichawa pamakero enyu emari, uye vateresi havagoni kuedza kuunganidza mushure mokunge mutemo wekukanganisa wapera, asi izvozvo zvinotora makore akawanda.
- Kudhura ndiro dambudziko. Marikiti yemakadhi uye zvikwereti zviri nyore zvinogona kukukwezva iwe mumusungo wematokari. Matambudziko akaipa nezvinetso zveutano zvinogona kuita kuti zvinhu zviwedzere. Basa rinokosha zvikuru nderokunzwisisa kuti mari yako inofamba uye nei wakashandisa nzira yaunayo. Ita hurongwa hwechokwadi uye mikana yako yekubudirira iri nani zvikuru.