Kurambana kunoratidzira chitsauko chitsva muupenyu hwako uye mune hupenyu hutsva huno, unogona kugadzirisa kana kuvakazve yako chikwereti chenhoroondo. Zvinogona kunge zvinopisa, kunyanya nezvimwe zvinhu zvose zvauri kuita. Asi, tora danho rimwe panguva. Chikwereti chakanaka hachizoitiki usiku hwose, asi sarudzo dzose dzakanaka dzezvemari dzichakuisa imwe danho riri pedyo.
Iva nemari uye ugare mubhajheji
Kuvaka uye kuvakazve chikwereti ndezvekubhadhara zvikwereti zvako nenguva.
Kuti uite izvozvo, unofanirwa kuva nemari yakasimba. Alimony uye rubatsiro rwevana vanofanirwa, asi kana iyo ndiyo chete inopa mari, inofanirwa kuva yakakwana zvakakwana kusangana nezvose zvako (uye vana vako ') mwedzi dzemari.
Hazvinei kuti chii chaicho chemari yako, chengetedza zvakanaka. Bhengi inogona kukubatsira kuti uite zvakanakisisa zvemari yako. Kana iwe usingashandisi kugadzirisa mari, semuenzaniso nokuti wako wekare-wawakaroorana naye nguva dzose aitarisira mabhiridha, zvinogona kutora nguva kuti uzvienzanise kubhadhara zvikwereti uye ugare pasi pemari yako. Verenga zvakawanda sezvaunokwanisa pamusoro pehupfumi hwemunhu uye tsvaga dzimwe dzidzo dzemunharaunda dzemunharaunda kuti ikubatsire kuzivikanwa nekugadzirisa mari.
Chengetera chikwereti chako chekwereti uye chikoro chekwereti kuti uone paunomira
Iwe unogona kuwana nzira yekuvandudza chikwereti chako nekudzidza chii chinokonzera chikwereti chako . Tora kopi yemazuva emakero ako emarikiti kubva kumitatu yese yechikwereti yepachena kuburikidza ne AnnualCreditReport.com. Kana iwe wakatove wakaraira nhepfenyuro yako yekusununguka kwegore, unogonawo kutenga usina kuroorwa kana matatu-in-one zvikwereti zvekwereti kuburikidza neyese yebasa.
Chikwereti chako chikwanganiso chichakupa maonero ekuti kana chikwereti chenhoroondo yako yakanaka kana chakaipa. Tenga chikwereti chako chikoro kuburikidza neFICO.com kana chimwe chezvikoro zvitatu. Kana kuti, tora mhinduro yako yepachena kuburikidza neCreditKarma.com, CreditSesame.com, kana Quizzle.com.
Iva nechokwadi chokuti zvikwereti zvako pamwe chete nemumwe wako wawakaroorana naye zvinotarisirwa
Iwe hauzombove wakakwana kutonga chikoro chako chekwereti paunenge uchiine maakaregi akazaruka newaimbova nemumwe wako.
Zviito zvako zvekare - kana zvisingaiti - zvichaenderera mberi zvichiratidza chikwereti chako chikoro kunyange mushure mekurambana.
Zvakanaka, zvikwereti zvaunotarirwa nazvo zviri muzita rako chete uye izvo wako wako ndiye ane mhosva kune zita rake chete. Kugadziriswa, kutengesa kutengesa, nekugadzirisa ndezvokusarudza iwe vaviri kuti ugadzirise zvikwereti zvako kuitira kuti ivo vari muzita remunhu ane mhosva.
Panguva ino, kana pane zvikwereti zvakabhadharwa zvinenge zvine zita rako pavari, gara pamusoro pemubhadharo wekare - nekuda kwekwereti yako. Kutadza kubhadhara kunogona kukanganisa chikwereti chako chikwereti kunyange kana mutongi akazivisa kuti wawakaroorana naye ane mhosva yeizvipo. Vachibatanidza makadhi emakadhi emakadhi kuitira kudzivirira zvikwereti zvenguva yemberi zvisingagadzirwe paaka.
Ita nebhadhiro iwe haugoni kubhadhara
Zvakajairika kune vakaroorana vekare kuti varwe nemari mumwedzi uye dzimwe nguva makore achitevera kurambana. Tsvaga rubatsiro kuburikidza nemari yekubhadhara vatengi kana iwe uine dambudziko kubhadhara zvikwereti zvako zvose. Mutungamiri anogona kukubatsira kuti uongorore mamiriro ako emari uye akubatsire kusarudza nzira yakanakisisa yekugadzirisa zvikwereti zvako. Zvichienderana nekuoma kwemamiriro ako ezvinhu, chikwereti chekupa mazano chikwereti chinogona kukurudzira kuti iwe uise bhadha .
Shandura zita rako rekupedzisira usati wawana chikwereti chitsva
Kana iwe uchizobvumirana nemutemo nezita rako, semuenzaniso wekare-mukadzi angadzoka kumushandikadzi wezita rake, ita izvi usati watanga kushandiswa kwechikwereti chitsva.
Nenzira iyo, maakaunti enyu matsva achabudiswa muzita remutemo raunoshandisa kuenda mberi. Uyewo, taura nevako vane chikwereti chiripo kuti vaite kuti vashandure zita paakaunti dzenyu.
Kana iwe wakanga uchitarisira kuti kuchinja zita rako kwaizogadzirisa chikwereti chako chekwereti, ndine nhau dzakaipa kwauri. Zita rekuchinja harifaniri kukanganisa chikwereti chako sezvo mabhuku akabatanidzwa zvichienderana nehuwandu hwekuchengetedzwa kwevanhu. Zvose zvakasiyana-siyana zvezita rako zvichave zvakanyorwa pamushumo wekwereti.
Wana chikwereti chako
Wana kadhi rechikwereti rakachengeteka kana zvichidiwa. Chinokosha pakuvaka chikwereti chekwereti yakanaka kuratidza kuti unokwanisa kubata chikwereti zvine musoro. Izvo zvinosanganisira kubhadhara chete izvo zvaunoda uye kubhadhara nguva nenguva mwedzi. Kana iwe uine kare kare muzita rako chete, uri munzira yakarurama. Chengeta izvi panguva imwe neimwe mwedzi uye chengetedza zvikwereti zvekadhi rako rechikwereti pasi pe30% yechikwereti chekwereti.
Kana iwe uri mubvumirwe wakagadziriswa kana wekubatana nekambani pamakadhi ako ekwereti yekare, iwe unogona kunge uine chikwereti chekwereti. Muchiitiko ichocho, zvingasave zvakaoma kuvhura nhoroondo itsva muzita rako pachako. Nzira yakanakisisa yekuudza ndeyekuisa mukushanda. Shandisa yako ikozvino yakatora chikwereti chikwereti chikwereti uye chikoro chekwereti kuti uwane pfungwa yemhando yemakadhi emakwereti aunofanira kukumbira. Semuenzaniso, kana uine yakaipa chikwereti chenhoroondo, tsvaga makadhi echikwereti kune vanhu vane chikwereti chakaipa .
Kana uchinge uine nheyo yakanaka yezvemari uye zvikwereti zvekwereti zvewe pachako, kiyi yekuvakazve chikwereti chako chikamu mushure-kurambana ndokwereta chete izvo zvaunokwanisa kubhadhara uye kubhadhara zvikwereti zvako nenguva iyo mwedzi mumwe nomumwe.