Mari Yakajeka Haisi Kuuya Nemahara
A payday Imari chikwereti chiduku chemari chakapiwa kune mumwe munhu zvichienderana nekuti chikwereti chinotarisirwa kubhadharwa nemari yavo inotevera.
Zvakangofanana nekuwana chikamu chemari yako inotevera yekubhadhara kare. Nguva yekubhadhara yakavakirwa pane kuti iwe unowanzobhadhara sei. Wokwereta anotarisirwa kuratidza uchapupu hwebasa uye mushumo webhangi. Munhu anokumbira chikwereti ndiye anonyora chinyorwa chinyorwa-cheti chechikwereti chemari pamwe nemari. Dzimwe hurumende dzinoda kuti cheki ive yakatarwa kwezuva iro uyo akakwereta anogamuchira mari. Pasi pemamiriro ezvinhu aya, uyo anenge akwereta anoratidza chibvumirano chekuti cheki ichabatwa nemunhu anenge achikweretesa kusvikira zuva rakabvumirana rokubhadhara. Ichi chibvumirano chinova chinodikanwa nokuti vazhinji vanoti havasisiri kubvumira munhu kuti anyore chinyorwa chemashure.
Pazuva iro chikwereti chinouya, chikamu chemari chikweretesa chinouya muchikwereti chekukweretesa kuti chibhadhe chikwereti chacho. Kana zvisingakwanisi kuti munhu apinde muchitoro, kambani yezvikwereti inogona kuisa cheki yacho zvakananga mubhangi ravo. Kana akakwereta akawana haagoni kubhadhara chikwereti panguva iyoyo, chikwereti chinogona kutambanudzwa chingave chinosanganisira mamwe mari.
Kukundikana kubhadhara zvikwereti izvi kunogona kuita kuti uyo anokweretesa awedzere kupomerwa kwechiremba kana kutarisa ufeve.
The Downside of Easy Money
Izvi zvikwereti zvinowanzoendesa mutengo wepamusoro. Mari yezvemari inobva kune 15 kusvika ku30 muzana yemari yakweretwa. Sezvo iri 15 kusvika ku30 muzana kwemavhiki mashomanana chete, kana yakaenzana nokuwana chikwereti negore rega rega yepakati yeanenge 800 muzana.
Nokuti zvikwereti zvepazuva rino zviri nyore kuwana uye kusava nechechi chikwereti chekuongorora, makambani anowanzotora pamadhorobha emadhorobha achiziva kuti vanogona kuwana imwe yezvikwereti. Izvo zvakaderera izvi ndezvizhinji zvevanhu ava vari kutarisana nematambudziko emari nekukwereta mari nehuwandu hwechikwereti chakanaka hunoita kuti zvinhu zviwedzere. Mukuwedzera, vazhinji vevanhu ava vanozviwana vasina kukwanisa kubhadhara chikwereti apo zvinouya. Izvi zvinotungamirira kune mamwe mabhengi ekubhadhara mabhendi echechi uye mari yechikwereti kana kuti ivo vanofanira kutora chikwereti, zvichiita kuti vawedzere mari. Vakawanda vevanhu ava vanozvibatanidza pachavo. Vanokweretesa chikwereti pane imwe nguva inotevera asi vanoona kuti havana mari inoda kuvhara mari yavo. Vanobva vangozviwana vachidzoka kune imwe chikwereti chemari yekubhadhara. Izvi zvinogona kupfuurira nekusingaperi sezvo pasina muganhu wekuti kangani munhu anogona kuwana rudzi urwu rwechikwereti.
Payday Loan Alternatives
Kune dzimwe nzira dzakawanda dzekubhadhara chikwereti chebhadhiro. Chinhu chakanakisisa chaungaita kuti udzivise marudzi aya ezvikwereti ndeyekugadzira bhajeti kuitira kuti iwe uwane mari yekubhadhara mari. Chengetedza zvakawanda sezvisingakoshi kutenga zvingabvira. Isa mari iyoyo muakaunti yekuchengetedza.
Kunyangwe kushanduka kwakasununguka kwakawanikwa kumativi eimba kunogona kuiswa mune mari. Ita bhajeti yekutengesa, foni dzemafoni, uye mafuta ekushandisa. Izvi zvinogona kuitwa kuburikidza nokutenga zvinhu izvo zvinodiwa apo muchitoro. Tarisa mumagadzirirwe esero anopa chiyero chepamusoro chezvinowanzotaurwa mazita. Paunenge uchimhanya-famba, edza kuita vakawanda vavo munzira imwe chete sezvinobvira, kuchengetedza mafuta panzvimbo yekuita maitiro akawanda.
Imwe nzira inoshandiswa kune chikwereti chemari yekubhadhara pamusi wekuti mari isingatarisirwi iri kuwana mari yekufambisa pamari yako kubva kumushandi wako. Vashandi vakawanda vanopa izvi kune vashandi vavo mumamiriro ezvinhu akaoma. Vashandi vanoda kuchengeta vashandi vakanaka vanofara. Kunyange zvazvo izvi zvisingagone kushanda nguva dzose, uye iwe hauzokwanisi kuzviita, kana uri kutarisana nedambudziko rechokwadi uye uchiunza naro nemushandirwi wako pane mukanano wakanaka unogona kuwana rumwe rubatsiro rwemari.
Iwe unogonawo kuda kutarisa hopu yepawn. Vanhu vakawanda vane chimwe chinhu chinokosha icho chinogona kuvezwa sechinhu chakafanana neyekare yezvishongo, zvishandiso, uye zvemagetsi zvinogona kushandiswa sekutora chikwereti chenguva pfupi kubva padhoropu repawn. Iwe unowana mari yezvinhu zvako uye iwe unogona kudzoka zvakare uye uripirazve chikwereti uye tora chinhu chako. Kana iwe usingakwanisi kubhadhara chikwereti, shopu yepawn inowedzera chinhu chawakapa. Saka, iwe wakazoguma uchitengesa chinhu chako kwavari. Izvi zvinowanzova nzira yakanakisisa pane kugamuchira chikwereti chisiri chekubhadharwa chekubhadhara uye kubatwa nemari yakawanda uye kuzviwana uri mune chikwereti chinotyisa.
Kunyange zvazvo zvisina kunaka, kukweretesa kadhi rechikwereti kunogonawo kuva imwe nzira kune chikwereti chebhadharo. Kunyange zvazvo chikwata chezvibereko chinoshandiswa nekadhi rechikwereti kufambisa mberi, zvinogona kubatsira zvikuru kune imwe nguva yerimwe nguva inokurumidza. Zvakanaka, iwe unenge uine mari yekukurumidzira yakagadzirirwa kuvhara dambudziko rezvemari, asi kadhi rechikwereti richashanda mupineki uye panzvimbo yekubhadhara 700 muzana APR pamutengo wemari yekubhadhara iwe uchasara iwe pamwe pamwe ne25 muzana APR pa kadhi rechikwereti. Hazvina kunaka, asi zvichiri nani kudarika payday chikwereti mari.
Pakupedzisira, kukumbira shamwari kana mhuri kuti uwane chikwereti kuti ubatsire kupinda munguva yakaoma pane imwe nguva. Vanhu vazhinji vane hama kana shamwari dzinokweretesa mari iyo inoda kubetsera nemari isingatarisirwi kana kuti njodzi. Kusava nechokuita kune chido chinowanzowedzerwa kune idzi zvikwereti uye urongwa dzimwe nguva zvinogona kuitwa kubhadhara chikwereti zvakare muzvikamu zvenguva. Zvechokwadi, nyasha dzinogona kubvunzwa kwauri rimwe zuva uye mari inogona kuparadza ukama, saka izvi zvinofanirawo kuva imwe sarudzo yekupedzisira.