Kutanga kweChikamu Chetsva Ndiyo Nguva Yakakodzera Kudzokorora Mari Yako
Kunyange zvazvo chiri chikonzero chakanakisisa chekutarisa kwaunenge uri mune zvemari kamwechete kamwe pagore, kuongorora kwegore roga rezvemari kunogona kukubatsira kuti ugare uchienzanisa nemari yako nezvinangwa zvako.
Kana iwe usingazivi kuti chii chaunofanira kutarira, shandisa urongwa uhwu hunobatsira semutungamiri.
1. Tanga Nekutora Chikwereti Chikamu uye Chikamu
Mharidzo yako yechikwereti uye zvikamu zvikamu zviviri zvezvikamu zvakakosha zvehutano hwako hwehutano. Chikwereti chakanaka chechikwereti uye yakagadzirwa chikoro chekwereti chinogona kuita kuti zvive nyore kuwana zvikwereti paunenge uchida, uye unakidzwe nezvikwereti zvinowanikwa zvakanaka pane zvauri kukwereta.
Sezvo chikamu chekubvunzurudza kwemari kwako kwegore rimwe nerimwe, tora nguva kutarisa mushumo wako wekwereti. Zvakanakisisa kutarisa mitsara yako kubva kune zvikwereti zvitatu zvekubhadhara chikwereti kana zvichibvira, sezvo Equifax, Experian uye TransUnion haisi nguva dzose dzinoshandisa mashoko akafanana mumishumo yako.
Iwe unogona kuwana zvikwereti zvako zvekwereti zvekusununguka kuburikidza ne AnnualCreditReport.com. Zvimwe, iwe unogona kuwana zvose zvikwereti zvekwereti uye ugoveresa kuburikidza neusununguko hwekuona mari yechikwereti, zvakadai seCredit Sesame kana Chikwereti Karma.
Hezvino chaunofanira kutarisa apo iwe uchiongorora mushumo wako:
- Tarisa kuti ruzivo rwako pachako rwakarurama uye hunoenda kune imwe nguva
- Ongorora parizvino yemari uye mari yekubhadhara yega yega yega
- Tsvaga chero magwaro matsva ayo akazarurwa kana kuti kubvunzwa kwekwereti, izvo zvingava zviratidzo zvekugona kukanganisa
- Chengetedza chero mashoko asina kunaka, akadai sekubhadhara nguva, kubhadhara mabhuku kana kutonga kwevanhu
Kana iwe ukaona kukanganisa kana kusacherechedza, taura ne-credit bureau inoshuma iyo ruzivo runopikisana nayo .
2. Enda kuBhutiro Yako
Bhijhesi inobatsira zvikuru pakuchengetedza mari mukutarisa uye kushanda kune zvinangwa zvekuchengetedza. Munguva yekubvunzurudza kwemari yako kwegore rimwechete, enda pane yako yekushandisa kwemwedzi pamutsetse nemutsara. Tsvaga mari yawedzerwa kana yakaderera, kana kuti zvitsva zvinenge zvawedzerwa kubva kubva pakupedzisira kwekota.
Zvadaro, ongorora zvaunowana. Uri kuita mari yakawanda, mari shoma kana yakafanana here? Kana mari yako yawedzerwa uye mari yako yakaderera, zvinoreva kuti iwe une mari yakawanda yekushandira kubhadhara chikwereti kana kuchengetedza. Kune rumwe rutivi, kana mari yako yagara yakangofanana asi yako mari yawedzerwa, iwe unogona kuongorora kubhadhara mari yako kuti uone kana kune chero chinhu chipi zvacho chaunogona kuderedza kana kubvisa.
Kana uine chikwereti, tarisa pamusoro pegadziriro yako yemari yekubhadhara chikwereti . Zvibvunze kana iwe uchiri munzira yekubhadhara chikwereti chako nechinangwa chako nguva yekupedzisira. Kana uri kutapudza chero mari kana mari yako yawedzerwa, funga kana iwe ungawedzera mari yako yemwedzi nemari yekubhadhara kuti udzime mari yako nokukurumidza.
3. Tora Kubwinya Kwechipiri Pamari Yako
Misika yemabhizimisi inotyisa uye dzimwe nguva, mari yako inogona kuona kuwedzera kunoshamisa kana kuderedza kufamba kune dzimwe.
Kusanganisira chikwereti chekuongorora chikamu sechikamu chekuongorora kwemari yako kwegore roga roga kunogona kubatsira kutsigira kuti iwe uchiri kuchengetedza zvakakodzera kugoverwa kwemari, zvichienderana nekutsungirira kwako kune ngozi .
Iwe unofanirwawo kunge uchidzokorora mari yaunenge uchibhadhara mari yako yega roga. Mari yepamusoro inogona kuderedza zvakanyanya kudzoka uye zvinogona kuitika zvinogona kunzwika kunyange zvakanyanya apo misika inosangana nekuderera.
Kana uri kutarisa kudzokorora kwemari yako muchina yechina, iwe unogonawo kufunga nezvekukohwa kurasikirwa muhotera yako kuti ubvise chero upi zvawakawana pane gore. Kurasika kurasikirwa kwemitero kunogona kubatsira kuderedza mitero inoshandiswa yekupa mari inowanikwa mari kubva pamari yako iri nani yekuita.
4. Chengetedza Inishuwarenzi Yako
Iwe unoda inishuwarenzi kuti ufukidze imba yako, motokari yako, hupenyu hwako uye hutano hwako asi izvo hazvirevi kuti unofanirwa kubhadhara zvakawanda pane zvaunoda.
Kamwe kamwe nehafu, dzokerai mavheeksi enyu, zvikwereti uye zvinokwaniswa. Funga kana iwe uchigona kukodzera chero zvikomborero zvekugoverwa kwausina kutora, kana kuti iwe unogona kuderedza mari yako yepurayamisi nekurera yako deductible.
Uyezve, tarisa chero zvikanganiso muurongwa hwehushuwarisi yako. Somuenzaniso, kana iwe uchangobva kuroora kana kugamuchira mwana wako wokutanga, zvingava nguva yekufunga nezvekuwana inshuwarisi yehupenyu kana iwe usina izvozvi. Inishuwarenzi yehupenyu inogona kupa rubatsiro rwemari kumudzimai wako anorarama kubhadhara zvikwereti, kuvhara mari yemwedzi uye kana rubatsiro nemari yekurera vana kana iwe ukapfuura.
5. Ongororai Purogiramu Yenyu Yekubvisa Mipiro
Nokukurumidza iwe unotanga kuronga zvekurega basa zviri nani uye urongwa hwemushandi wako hunogona kuva nzira yakanaka yekutanga. Kana iwe uri kuchengetedza mune 401 (k) kana imwechete yemutero wezvokubhadhara mutero kubasa, rongororai michero yako yega roga kuti uwane pfungwa yekuti iwe uchagovera zvakadini gore. Kana iwe usati uri munzira kuti uwedzere muganhu wegore negore, sarudza kugadzirisa mupiro wako wekupikisa kuti uswedere pedyo nehope.
Chimiro kana Roth IRA imwe nzira yekuchengetedza mukuwedzera kune chirongwa chemuqambisi wako, kana panzvimbo yemumwe kana basa rako risina kupa 401 (k). Kana iwe uchiri kuzarura IRA, tora nguva yekudzokorora zvaunosarudza uye bhajeti yako kuti uone kuti ungakwanise kuchengetedza mune rimwe remabhuku aya gore rega rega.
6. Ongorora Zvinangwa Zvako
Kuisa zvinangwa kunogona kuva chikurudziro chikuru chekuchengetedza uye kuve yakanyatsoshanda nekushandisa kwako. Chikamu chokupedzisira chekubvunzurudza kwako kwezvemari chiri kutarisa mukati mako nezvinangwa zvako kwega roga kuti uone kufambira mberi kwawakaita. Kana pane chinangwa iwe unogona kuyambuka urongwa hwako, funga nezvezvinangwa zvitsva zvaunogona kuisa apo iwe uchiri kukudziridza hurongwa hwako hwemari.