Iwe uchiri kunyatsoziva here kuti mari yako yekwereti yekwereti inoshanda sei? Kuziva zvakananga kunogona kukubatsira kuita sarudzo dzakanaka uye kutarisira chikwereti chako: kuti kubhadhara kuri kuverengerwa sei, uye kuti kubhadhara kupi zvako kunoenda kunoderedza chikwereti chako (kana kwete).
Purogiramu yekwereti yemakadhi yakawanda inopa nhamba dzinobatsira, asi haibatsiri iwe kunzwisisa kuti nhamba idzi dzinoshanda sei. Zvichida iwe uri kufunga kuisa kutenga kukuru pane kadhi rako rechikwereti, kana uri kuronga hurongwa hwekubhadhara chikwereti. Chero nzira, iwe uchava muchengeti akachenjera kana iwe uchienda kumashure kweanhamba.
Nenzira yakanaka, nzira yekuverenga yako mari (uye mari) noruoko haisi iyo yakaoma. Kana iwe uchigona kuyeuka kuti ungawedzera sei-kana kuti uwane calculator kuti uite iwe-iwe uchava nezvinhu zvose zvaunoda.
01 Minimum Payment
Tanga nekufungisisa kunze kwekubhadharwa kunoshandiswa nekambani yako yekadhi yemakadhi. Izvi zvinowanzoverengerwa zvichienderana nehana yako.
Muenzaniso: kadhi yako yakabhadhara inoda kuti iwe ubhadhe 3% yemari yako yakakosha yemari. Iwe unokwereta $ 7,000 pane kadhi rako rechikwereti. Iko mari shoma ndeye 3% ye $ 7,000, iyo $ 210. Kuti uwane mhinduro iyoyo, wedzera $ 7,000 ne00 (iyo yakafanana ne3% - dzidza zvakawanda pamusoro pekushandura zvikamu nezvikamu ).
Mutero wako wekutsvaga unotsanangurwa nekadhi kadi yako, kuitira kuti iwe unofanira kutarisa zvinodiwa zvakananga kuakaunti yako. Unoda kudzidza zvakawanda here? Ona kuti ungawana sei mari yako shoma uye yakawanda nzira yekuverenga.
02 Kutanga, Inofarira
Paunenge uchiita mubhadharo, 100% yemari iyo haina kuenda kune chikwereti chako. Mune mamwe mazwi, bhaari yako haizomboregi ne $ 100 kana iwe ukaita $ 100 kubhadhara (kunze kwekuti iwe une 0% interest deal). Pane kudaro, kambani yekadhi ichatora mutengo wayo wekutanga.
Kuti uone kuti zvinorevei kune kufarira, iwe uchaita imwe kuverenga (usafunganya, zviri nyore nyore - asi kune matanho mashomanana akabatanidzwa):
- Tsvaga chikwereti chaunofarira chaunenge uchibhadhara pamakadhi ako (12% APR, somuenzaniso)
- Shandura chiyero chegore negore kubva kumutengo wegore negore nekuparadzaniswa ne12 (nokuti kune mwedzi 12 pagore - saka iwe unobhadhara 1% pamwedzi)
- Wedzera chiyero chepamwedzi pamari yako (balance 1 times 7,000)
- Mhinduro ndeyekuti iwe uri kushandisa mari yakawanda sei (interest $ 70 mumuenzaniso uyu)
03 Ipapo Mutungamiri
Mushure mekunge iwe uchibhadhara chikwereti, zvakasara zvebhadharo yako zvinosvika kune chikwereti chako (chinozivikanwawo se "chikamu" chechikwereti chako). Nokudaro iwe uchabvisa chikwereti chekufarira kubva mubhadharo yako yose kuti uone kuti unotora chikwereti chakapi mumwedzi wakapiwa.
Muchiitiko chedu, kubhadhara kwako kuri $ 210 uye mutengo wemari inokwana $ 70. Bvisa: 210 - 70 = 140, saka iwe uchabhadhara $ 140 yemari yako yako mwedzi uno. Iko kunounza chikwereti chako chikwereti kusvika pa $ 6 860 pamwedzi unotevera.
Sezvaungangodaro wakafungidzira, iwe uchada nhamba iyoyo kuti uone kubhadhara kwemwedzi unotevera. Kana iwe uchiita izvi zvose noruoko, iyo nzira inopedza nguva, asi kune nzira dzekukurumidza kuita.
Cherechedza kuti kana iwe uchibhadhara zvinopfuura chikwereti chiduku, icho nguva dzose chiri kuchenjera kufamba, iwe uchabhadhara pasi chikwereti chako chikwereti nokukurumidza. Nhamba iyo inoenda kune nharaunda mwedzi uno yakasarudzwa - hapana chaunogona kuita pamusoro pacho panguva ino. Asi iwe unogona kukurumidza kukwereta chikwereti chako uye usingapedzi zvishoma mubereko mwedzi unouya nekubhadhara zvinopfuura zvishoma.
04 Mwedzi Yakawanda, Kuwanda Kwakawanda
Wakaona kuti ungaverenga sei mari yekubhadhara uye kufarira kune mwedzi mumwe chete (uye uchitanga pamwedzi unotevera), asi iwe ungaverenga sei kwenguva yakareba?
Kuti uone iyo nzira yose yekubhadhara chikwereti chako, zviri nyore kushandisa shanduro kana tambo yakagadzirwa nemaoko (kunze kwekuti iwe uchishandisa kuverenga online - izvo zvisingakubvumiri kuti uite zvakawanda). Pfungwa iyi yakangofanana nekugadzira tafura yekugadzira imba kana kuti chikwereti chemotokari: mutsara mumwechete unomiridziro imwe chete.
Zvinogona kutora chiduku cheparadhedi wizardry, asi haisi basa rakaoma, uye iwe uchava neunyanzvi hunokosha. Nemumwe mushure mutsva, tarisa kumashure ekukweretesa chikwereti pamagumo emwedzi wapfuura (mumutsara uri pamusoro apa). Nokuda kwemuenzaniso wekuti spreadsheet yako inogona kutarisa sei, enda kuchifananidzo chekupedzisira chekudzidzisa.
05 Kusiyana pamusoro peNyaya
Semuyenzaniso:
- Kana kadhi yako ine mari yegore negore, ingowedzera iyo mari kune chikwereti chako chikwereti apo mari yacho inotengesa
- Kana chikwereti chako chichizochinja mune ramangwana, chengeta icho mupfungwa sezvaunomhanya nhamba uye uchinje kuverenga
- Kana iwe ukasarudza kutsika kubhadhara (izvo iwe zvichida haufaniri kuita) kwemazororo, ita kuti kubhadhara mwedzi iwoyo zero