Kukundikana mubasa kunogona kusiya chikwereti chako muzvikwata. Iwe unogona kuita zvose zvaunogona kuti uchengetedze chikwereti chako, asi munguva yakareba yekusashaya basa, iwe unogona kunge uchiita zvimwe zvakaoma kushandura zvisarudzo zvinokonzera kukuvadzwa kwekwereti yechikwereti. Kana uchangodzoka paawa uchiunza mubhadharo wakasimba, unogona kutanga kuvakazve chikwereti chako.
Tora pfungwa yemari yaunenge uchiuya nayo .
Kutanga, iwe unoda kuziva kuti chii chauchave uchiita mubasa rako idzva.
Izvozvo zvichakupa imwe pfungwa pamusoro pemararamiro aunogona kuwana uye zvaunokwanisa kuisa kune kuwana chikwereti chako kumashure. Ramba uchiyeuka kuti iwe uchava nemitero kana zvimwe zvikwereti zvakabviswa kubva mubhadharo yako, saka yako chaiyo yekubhadhara pamusha inogona kuva 30-40% kudarika zvaunotarisira. Mari yako yekutanga yekubhadhara ichakupa pfungwa yechokwadi yezvauchazoita mwedzi wakakwana.
Gadzira kana kuvandudza bhajeti yeimba yako .
Zvadaro, tanga bhajeti inosanganisira yako yose inozivikanwa mari. Nokuda kwechikwereti chako chekubhadhara, shandisa mari yaunogara uchiita kana yepamusoro. Kubhadhara zvakadzama kubata chikamu chechirongwa chekuvakazve chikwereti chako, asi kutanga, unofanirwa kuziva kuti ungabhadhara sei mari yako yepamwedzi. Pamagumo ekugadzirisa kwehuwandu hwemari, kuverenga mari yauchazosiyiwa mushure mokubhadhara zvikwereti. Iyi ndiyo mari yakawedzerwa yaunogona kuisa kune kubata pazvikwereti zvako.
Rega kurarama kubva pamakadhi ako ekwereti .
Nekurashikirwa kwemari, iwe zvichida wakanga uchishandisa makadhi ako ekwereti kuti uwane zvigaro zvekuwana.
Iye zvino zvawakashanda, unofanira kutanga kutanga zvichienderana nemari yako yaunowana kubhadhara zvikwereti. Kuputsa kadhi rako rekubhadhara kadhi rechikwereti kunogona kuva rakaoma, asi iri danho rinokosha pakuvakazve chikwereti chako. Tricks kufanidza kadhi rako rechikwereti kana chinyorwa chinonyatsokuraira kuti urege kuzununguka chingakubatsira iwe kufunga kaviri pakugadzira dzimwe kadhi rechikwereti.
Ita rondedzero yemari yako
Cherechedza zvikwereti zvipi zvino uye izvo zvakapfuura zvakakodzera. Pamusoro pezvose zvakapfuura, tarisa huwandu hwehuwandu hwemhirizhonga uye nhamba yemwedzi yapfuura yakakonzerwa kana kuti kuunganidza kana kuregererwa.
Chii chaungawana pakutanga?
Kuenzanisira kuti chii chaunogona kuita kuti uwane zvikwereti zvako chisarudzo chakaoma, kunyanya kana uri shure kumashure. Mari yako yemari uye chikwereti chemotokari inofanira kuisa pakutanga kune makadhi ako ekwereti, kunyanya kana iwe usingadi imba yako yakatariswa kana kuti motokari yako yakadzorerwa zvakare. Kana imwe nzira yakatotanga, taura nemutengi wako kuti uone zvaunoda kuita kuti ubatwe. Bvunza kana kune nzira yekuparadzira mari yakatarwa yakadarika kwemwedzi inoverengeka kusvikira iwe wose wabatwa uchirwisana.
Ngatiti iwe hausi shure kwekutora chikwereti chako kana kuti chikwereti chemari, chete pamakadhi ako ekwereti. Kana iwe uine chero iyo iri pedyo nekupomerwa-kupera, semuenzaniso kusvika kwemazuva 180 kana mwedzi mitanhatu yapfuura, edza kubata pamusoro pezvikwereti kuti uchengetedze nhoroondo yacho kubva pakubhadharwa-kutorwa kana kutumirwa kuhomwe.
Zvinosuruvarisa, iwe unogona kusakwanisa kuchengeta maakaunti ako ose. Sarudza kadhi nemudzidzisi waunoda zvikuru kuti arambe akamira zvakanaka. Semuenzaniso, kana iwe une kadhi rechikwereti rine bhenji rimwechete sekaunti yako yekuongorora kana chikwereti chemari, unogona kuedza kuchengeta iyo.
Kana, kana iwe une American Credit Card yechikwereti, ungaedza kuchengeta iyo.
Dana vako vane chikwereti kuti vagadzire hurongwa hwokubata. Funga kuonana nevatengi vechikwereti chekugadzirisa zvikwereti vanogona kugadzira chikwereti chekugadzirisa chikwereti nemakadhi enyu ekwereti nemakwereti emari. Iwe uchabhadhara chikwereti chimwe chekubhadhara kune chikwereti chekupa mari yechikwereti uye ivo, ivowo, vachabhadhara maakiti ako ose.
Cherechedza kuti mari yako yekubhadhara, kabhesi uye internet, uye foni haibatsiri chikwereti chako chero bedzi kutenga kwako kuri kuitwa panguva. Vazhinji vashandi vebasa rekushandira havatauri kune zvikwereti zvekwereti, saka kuwira mwedzi mushure hakugone kuchinja chikwereti chekwereti kana chero bedzi iwe uchibatwa. Zvisinei, kana zvikwereti izvi zvave zvakapfuura zvakadarika, kusvika pakuti mabasa ako akaregererwa, chikwereti chako chiri pangozi. Bvisa zvese zvausingadi iwe kana iwe usingachagone kuwana mari yekudzivirira yako chikwereti.
Kuchenesa Kubhadhara Kwako Musoro
Kubhadhara kwemashure kunogona kunge kwaita kuti chikwereti chako chikwereke, asi pane mazano mashomanana anogona kukubatsira kuti uvanatse . Ramba uchifunga kuti kana iwe wakanyarara, chikwereti chekwereti chinogona kupa mutemo chipo chekubhadhara ichi kwenguva yekwereti yenguva yekubika chikwereti .
Kana zvikwereti zvekadhi rechikwereti zvakakuvadza chikwereti chako chikoro, mhinduro ndeyekubhadhara zviyero izvi pasi. Iwe zvichida haungakwanise kuzviita kamwechete, saka tora mwedzi mwedzi, uchibhadhara zvakanyanya sezvaunogona kune imwe kadhi rechikwereti kusvikira wabhadhara chikamu ichocho, uye uchienderera mberi kune kadhi rechikwereti chinotevera.
Wana Mashoko Akanaka Pamusoro Pokutora Musoro Wako
Kuchengetedza zvikanganiso zvichabatsira kubhadhara chikwereti chako. Asi, iwewo unoda ruzivo rwakanaka kuti ubatsire kuvandudza chikwereti chako. Kana iwe uchiri nekodhadhi yakazaruka, kuita zvikwereti panguva yakakodzera pamwedzi woga woga kunobatsira kuvandudza chikwereti chako chikoro. Asi, kana nhoroondo dzako dzose dzavharwa iwe unoda zvitsva kuti uvake zvakare chikwereti chako chakakanganiswa.
Tarisa kutanga pakuchengeta zvekare kare nekuda kwezvikwereti. Zvadaro, kana wakabatwa, funga kuwana kadhi kadhi rechikwereti. Makadhi emakwereti akachengeteka uye mamwe makadhi emakwereti kune vanhu vane chikwereti chakashata zvakanaka. Yeuka, kana uchitanga nekwereti zvakare, kutora makadhi ako ekwereti zvine mutsa , kuripa izvo zvaunokwanisa kuwana uye kubhadhara nenguva nenguva mwedzi.
Nokuranga uye chirongwa chakasimba, unogona kubudirira zvakare kuvaka kero yako yechikwereti. Ingove nemoyo murefu nekuita uye kushingaira pamusoro pekutarisira chikwereti chako kuenda mberi.