Kana uri kuwana dambudziko rokugadzirisa zvinosangana nemwedzi mumwe nomumwe, uye iwe uri kutsvaga mhinduro, chikwereti chekubatanidza chinogona kukushandira iwe kana iwe wakarangwa, unzwisise kuti kuwirirana kunogona uye haugoni kuita, uye kutevera zvishoma zvinyorwa zvinyorwa.
Chii Chikwereti Kubatanidza?
Kudyidzana kwematokari inzira yekuunganidza zvikwereti zvako mune imwe nhoroondo nemutengo mumwe chete wemwedzi. Pfungwa yekusunganidzwa ndeyokuderedza nhamba yebhadharo yaunofanira kuita, uye kana zvichibvira kuderedza chikwereti chekuda uye chiyero chemari iwe uri kunze kwehomwe mwedzi mumwe nomumwe, zvichiita kuti zvive nyore kubhadhara chikamu.
Zvinhu Zvokuyeuka
Kunyange zvazvo chikwereti ichibatanidza chinogona kuva nzira inobatsira yekugadzirisa chikwereti chako, pane zvinhu zvishoma zvekuyeuka.
- Kudyidzana kwematokari kazhinji hakungasanganisi zvikwereti zvakachengetwa semari yako yemari yemari . Ichashanda kune chikwereti chisingaverengeki sekadhi rechikwereti, zvikwereti zvebhangi pachedu, mitsara yechikwereti, uye zvimwe zvikwereti semitemo yezvechiremba.
- Kudyidzana kwematokari hakushandisi kunze kwekuti iwe urega kushandisa makadhi ako ekwereti. Uye mamwe maakaiti iwe unosanganisira mukubatanidza. Nzira yakanakisisa ndeyokuvhara maakaiti uye kutema makadhi echikwereti. Chimwe chikwereti chekusimudzira vatengesi chingada kuti iwe uite izvi semamiriro ekukweretesa.
Mhando dzeDenho Consolidation
Pane nzira dzakawanda dzekuenda nadzo pakusimbisa chikwereti chako. Heano mamwe maonero okufunga.
Kubatanidza Mari: Zvizhinji zvezvemari zvinopa imwe nzira yekubatanidza chikwereti , kusanganisira mabhengi, zvikwereti zvekwereti, uye makambani emari. Kana iwe uine hukama neimwe yezvivako izvi, ichava nzvimbo yakanaka kutanga, uye iwe ungatotanga kupera pane chibereko chekufarira.
Uine chikwereti chebhengi, iwe uchaita mwero mumwechete mwedzi wega wega nguva yakatarwa, kazhinji makore matatu kusvika mashanu. Zvakanyanya kufanana nemari yemotokari. Ichokwadi, mamwe mabhanga anopa mari yekugadzirisa iyo iwe unogona kuisa gwaro rekuchengetedza kana CD sekutora. Izvi zvinowanzoita kuti uwane chiyero chiri nani, asi zvinongonzwisisika kana iwe uri kuwana chiyero chakanaka pamari yako.
Kana zvisina kudaro, zvichida iwe uchange uri nani pane kushandisa mari yekubhadhara chikwereti.
Nokuti chikwereti chako pachako chakatarwa, zviri nyore kutarisa kufambira mberi kwako uye kuziva apo iwe pachakupedzisira uchange usina chikwereti.
Kubatanidza Chikwereti Chekwereti: Kana chikwereti chako chave chakanakisisa, unogona kukodzera kadhi rechikwereti chaunogona kutamisa chikero . Vanhu vanowanzoita izvi pavanogamuchira chipo nehuwandu hunotyisa hwekuendesa mberi.
Ziva kuti izvi zvinogona kukanganisa chikwereti chako. FICO nhamba dzinofunga nezvekushandisa mari yako (mari yakawanda sei yaunoshandisa ichifananidza neicho chiripo iwe) uye chikamu chakawanda chaunokwereta, pakati pezvimwe zvinhu. Sezvaunobhadhara maakaunti, chikwereti chako chekushandisa chinowira pasi (icho chinogona kuva chakanaka chekwereti yako chikoro), asi iwe uchava nekero rimwe neyeri yakawanda (iyo inogona kukanganisa maitiro ako). Zvichida, kunyange zvakadaro, kana uine chidimbu chechibereko chepasi, iwe uchakwanisa kuribhadharira pasi pasi nokukurumidza.
Mhuri Equity Imari: Kana uine mukana mumba mako, unogona kushandisa mari yekubhadhara chikwereti chekodzero yekubhadhara chikwereti chako chepamusoro-chikwereti.
Nemhaka yokuti chikwereti chakafanana chemari chinogadziriswa nemugove wako chaiwo iwe unogona kunge uchipiwa chiyero chiri nani kupfuura zvauri kuripa pane yako kadhi rechikwereti.
Asi iyo ibakatwa rakapetwa kaviri. Kana iwe ukapinda mumatambudziko gare gare uye haugone kuita mari yako yauripa mari, iwe uri kuisa pfuma yako pangozi nokuti wako chikwereti achava nekodzero yekufanotarisa chikwereti chako.
401k Chikwereti: Nyevero dzakafanana dzinoshanda kumabhiridha 401k . Kana zvingaita sekunakidza kushandisa sarudzo yakanaka iyo yaunayo mubhuku rako rekusimwa kubhadhara chikwereti ichocho, asi unofanirwa kuchenjerera. Kana iwe uchinetseka kubhadhara chikwereti ichocho, chichashandurwa kuva chekusiya. Iwe unogona kurohwa nekutanga kubvisa chirango chapamusoro kusvika kusvika 10%, uye unofanirwa kubhadhara mitero yausina kuripa pawakapa mari yacho. Kana ukashandura mabasa, chikwereti chako chema 401k chingafanira kubhadharwa mumazuva makumi matanhatu kana kuonekwa sekuparadzirwa (pamwe nemitengo nemitero inokonzerwa).
Kubatanidza vs. Kubhadhara Chikwereti
Kufambisa paIndaneti kutsvaga "chikwereti chirongwa chekuita" uye iwe uchauya nemakumi akawanda kana kwete mazana emakambani anopa kukubatsira kuti uwane kutonga kwemari yako.
Aya makambani, mazhinji ayo anotaura kuti haasi ehurumende, anochengetedza chibvumirano chinobva kune vako vane chikwereti icho chichakubvumira kuti ubhadhara zvikwereti zvako nokuita imwe mubhadharo mwedzi wega wejeri, iyo inopa mubhadharo wako pakati pevatengi vako.
Mune zvimwe zviitiko, sangano racho rinokwanisa kuchengetedza zvibvumirano zvekuregerera kufarira uye kucherechedza mhosva, asi kubvumirana ndiko kuzvipira uye vamwe vane chikwereti vanoramba kuita kuti zvive nyore kwauri. Zvakakodzera, chirongwa chekubhadhara ndechekugara kwenguva yakatarwa kubhadhara maakaunti ako zvakakwana.
Bheti yako yakanakisisa ndeyokushanda pamwe neshamwari yeNational Foundation yeCredit Counseling. Iwe unogona kuwana mahofisi akabatanidzwa munharaunda yako nekushandisa sangano rekutsvaga sangano pawebsite.
Kubatanidza vs. Bankruptcy: Kana iwe usiri kungoita kuti iwe uwane chikwereti chakanaka mune chikwereti chako chakanaka iwe pachako, ungada kuongorora kufungidzira kubhadhara. Haisi kuguma kwenyika, uye ine zvimwe zvingabatsiri pane mamwe marudzi ekubatanidza uye kukwereta chikwereti. Iwe unogona kukwanisa kusarudza pakati peChitsauko 7, kukanganisa kwakananga, uye Chitsauko 13, chirongwa chekuripa kwemakore matatu kusvika mashanu. Iwe unogona kudzidza zvakawanda pamusoro pezvikomborero izvo panguva yaunofunga kuongorora kuiswa pasi peChitsauko 13 panzvimbo peChitsauko 7 .