Iwe unogona kutora nzira dzakasiyana-siyana dzokubvisa payday chikwereti chikwereti. Tichazojekesa mazano aya pasi apa uye taurirana nzira dzekudzivirira dambudziko rekudzoka.
- Kubhadhara chikwereti nembairo mitsva, inodhura.
- Bvisa chikwereti nemari.
- Saronga chirongwa chekubhadhara chakawedzerwa nemari yako yezvino.
- Kakawanda uwedzere mari yako kuti ubvise chikwereti.
Wana Mutero Wakasiyana
Kana iwe usingakwanisi kubhadhara chikwereti panguva ino, chikwereti chakasiyana chinogona kuita kuti zvive nyore kubvisa chikwereti.
Vamwe vanokweretesa: Anenge chikwereti chipi nechipi chichakwanisika kupfuura chikwereti chebhadharo, saka edza mhando dzakasiyana dzemari. Mabhenji maduku emunharaunda uye zvikwereti zvezvikwereti ndiyo bheji yako yakanakisisa yekugamuchirwa, kunyanya kana iwe uine chikwereti chakaipa kana iwe usati wambogadzira chikwereti. Vamwe vanokweretesa muIndaneti vanopawo kune vakwereta vane chikwereti chiduku-kupfuura-chakakwana. Izvozvo zvakati, pose paunenge uchitsvaga vatengi vanotengesa kune "yakaipa chikwereti" vakakwereta, iwe unomira dambudziko rekushandisa vatengesi vatengi. Tanga nevamwe vatengesi vepaIndaneti vakanyorwa apa kana kuti vanotaridzika vezera-ku-peer zvikwereti .
Kugadzirisa chikwereti: Panzvimbo yekuvandudza mari iripo yepazuva rekubhadhara chikwereti, chengetedza zvikwereti izvi nemari yakakosha zvikuru, uye ozotanga kubhadhara chikwereti chekusimbisa. Borrow chete zvakakwana kuti ubhadhara chikwereti chako chiripo (uye zvichida zvakakwana kukuchengetedza kuti urege kuwana imwe chikwereti chemari yekubhadhara)) uye hapana chimwezve. Zvinogona kuita sokuti uri kukwereta kuna Petro kuti ubhadhe Pauro, uye iwe uri, asi iwe uri kukwereta pane zvinyorwa zviri nani.
Chinokosha ndechokuenda kure nemari yekubhadhara zvikwereti zvakanaka. Iwe uchange uine nguva yakawanda yekuripa, uye iwe uchabhadhara mitero yakaderera yemari.
Wana rubatsiro nekubvumirwa: Kana iwe usingakwanisi kugamuchirwa, funga kubvunza mumwe munhu ane chikwereti chakanaka kuti atore mari yechikwereti . Uyu munhu achaita kuti ave nechokwadi chokuti iwe ucharipa-nguva. Kana iwe usingaiti, mushandi wako wepachipiri achava 100% ane mhosva yekubhadhara chikwereti ichocho-saka mutoro mukuru uye ngozi kune munhu iyeye. Chikwereti chemubatsiri chichakuvadzwa kana zvikwereti zvikasvika munguva shoma kana kana iwe usina kukwereta pane chikwereti, uye vanokweretesa vanogona kutora matongerwo emutemo kune avo vashandi .
Une Cash?
Kana iwe wakashandura pfungwa dzako pamusoro pekubhadhara chikwereti chawabhadhara iwe wachangobva kukumbira-kana iwe wakasvika kune imwe mari uye mamiriro ako akachinja-edza kudzorera mari. Vamwe vanobhadhara makwereti vanokubvumira kuti udzore mutengesi mukati mezuva rimwe rebhizimisi rekubhadhara pasina mari. Ita zvinokurumidza uye taura nemukweretesi wako nokuti unogona kubhadhara chikwereti musati wasvika kwezuva rebhizimisi rinotevera.
Kubhadharwa Kwakawedzerwa
Kana nguva dzichioma uye iwe usingakwanisi kubhadhara payday zvikwereti, taura nemutengi wako uye bvunza pamusoro pezvaunogona kuita. Vamwe vanokweretesa vanopa zvirongwa zvekubhadhara zvakadzama uye mamwe maitiro ekuzorodzwa kwenguva pfupi. Vaya "shamwari yakanakisisa" vanokweretesa-kusanganisira dzakawanda zvezvidhinha-uye-matenga mabhizinesi masikati munoona mumigwagwa yakawanda-inowanikwa muCommunity Financial Services Association yeAmerica (CFSAA), iyo ine mazano ekugadzirisa zvirongwa zvekubhadhara.
Dza Cash
Dzimwe nguva kuwana mari yakawanda mubhajari ndiyo yako chete yekusarudza. Kune nzira mbiri dzekuita izvozvi: Gamuchira mari yakawanda, kana kudhura mari. Hazvisi nyore, asi zvose zviri zviviri zvinobudirira.
Wedzera mari: Kana zvichikwanisika, tsvaga basa rakawedzerwa. Iwe haudi basa rakagadzikana-iwe unongoda kuvhara nguva pfupi kuti ubudise kune chikwereti chipi zvacho chiripo chekubhadhara chikwereti. Kushanda zvakanyanya zvimwe chinhu chekupedzisira iwe unoda kuita, kunyanya kana iwe watopararira utete. Asi funga nezvemari inowanikwa iwe kupfuura zvinopfuura mubayiro waunowana. Izvowo mari yaunodzivisa kushandisa mari pamitambo yakawanda yemari yekubhadhara chikwereti. Mari iyo inogona kuita musiyano pakati pekukwira mune chikwereti uye kudzokera kumakumbo ako.
Kutengesa zvinhu: Unogonawo kuunza mari nekutengesa zvinhu. Kufanana nekushanda zvakawedzerwa, hazvisi kunakidza, asi zviri nani kupfuura kubhadhara mari yemari.
Kana kushanda zvakawanda hakusi kusarudzwa, izvi zvingava iwe unotevera sarudzo yakanakisisa yekusimudza mari nokukurumidza.
Dhura mari: Kana kuunza mari hakusi kusarudzo, iwe unofanira kutapudza mari kusvikira udzoka pamusoro pemari yako. Izvi zvinoreva kudonha kusvika kumapfupa asina chinhu. Ita zvokudya zvako iwe pachako, uye uuye neshoko rako remasikati kuti ushande. Dzvora mari dzisina kufanira sedhavha, uye uwane nzira dzisingadhura dzekugara uchifadzwa.
Zvigadzirire Kubatsira Ramangwana
Kana uchinge uri pamakumbo ako, iwe unoda kuti urege kudzokera kubhadhara masikati. Iwe unogona kuita izvozvo nokuvaka simba rekusimudzira mari.
Emergency fund: Itai mari yekudaidzira kuitira kuti mune mari iripo paunenge uchida. Tanga nekuisa pasi mashoma madhora emadhora, uye oivaka kusvika kune chiuru. Pakupedzisira, iwe unofanirwa kuva nemwedzi mitatu kusvika kune mipfumbamwe yekugara mari yekubhadhara mumari, iyo inofanirwa kuvhara zvizhinji zvezvishamiso zveupenyu. Asi tanga zvishoma zvino uye shandisa nzira yako.
Gadzira chikwereti chako: Kuti uwane zvikwereti zvinodhura mune ramangwana, unoda zvakanaka chikwereti. Kana chikwereti chako chakashata kana iwe usina chikwereti chekwereti, ita chikwereti chako munguva . Tanga nekuwana chikwereti chiduku chakachengetwa nemari (kana edza kadhi rakwereta rakachengetedzwa ). Ita zvose zvaunobhadhara panguva, uye chikwereti chako chinowedzera zvishoma. Zvadaro, zvichava nyore nyore-uye zvisingakwanisi-kubhadhara mari yakawanda.
Inopfuura Musoro Wenyu Here?
Kana iwe wakadzika mukati mekubhadhara chikwereti chekubhadhara, taura neine chikwata chekwereti chikwereti. Kuti uwane mazano ekutsvaga rubatsiro rwemunharaunda, tanga paNFCC.org. Kubhadhara mazano vanokubatsira kuti uchenge muhuwandu hwebhajheti yako uye unogona kushanda nevatengi vako kuti uwane nzira yekubuda nayo. Kukanganisika kunogona kuva sarudzo, asi inhanho huru, uye imwe chete iwe unofanira kungotora mushure mekufungisisa kukuru uye kukurukurirana nemweya gweta.