Inenge 30 Percent yeAmerica Are Mortgage-Free
Muchiito, izvi zvinoshandurwa pakuzara kukuru kwevanhu vakawanda: itsva shanduro nemagetsi, dziva, zvichida kunyange motokari itsva kana zororo risina nguva. Uye zvakare POP!
Sezvo misika yemaguta yakaputika, takanzwa nezvevanhu vangani vari mumvura pamisha yavo . Asi ikozvino, huwandu hwehuwandu uye hutsinye hunoratidza kuti vanhu vakawanda vekuAmerica vari kutsvaga nzira yakasiyana-siyana yeimba yavo: vanoda kuva nemisha yavo "vakasununguka uye yakajeka."
Nzira Nekuda Kwekuwana Musha Wako "Wakasununguka uye Wakachena"
Kungofanana nedzimwe sarudzo dzezvemari, uyu unhu hwevanhu uye hwemamiriro ezvinhu. Asi kazhinji kutaura, kana uine imba yako pachena uye yakajeka inonzwika semagadzirirwo ezvemari anokwanisa kuenderana nemapurogiramu ako makuru emifananidzo, iwe unotanga kuedza kuongorora zvimwe zvinokosha uye zvinotyisa.
Kutarisa runyora rwevanhu vakawanda mu "Pro" chikamu rugare rwepfungwa. Nzvimbo isina chinhu uye haisi nyore, haufaniri kunetseka nezvebhadharo rekutenga chikwereti, uye iwe unoziva kuti iwe unogara uine denga pamusoro pemusoro wako kana, semuenzaniso, iwe unorasikirwa nebasa rako.
Nokuda kwevanhu vazhinji, vachiziva kuti vari kubhadhara mari yavo yakaoma yakawanikwa kubhangi nenzira yekufarira ndeyekuwedzera. Asi kuzvisunungura kubva kune chikwereti chikuru chekubhadhara chikwereti kunokupawo mari yakawanda yekugadzirisa kuita zvimwe zvinhu. Iwe unogona kutora dzimwe mikana, somuenzaniso, sekusiya basa rako.
Zvinosanganiswa pakati pezvakawanda zvikwereti zvemitero semari yekubhadhara chikwereti chaunenge uchibvisa iwe uchashayikwa (yakakwirira bhakoni yako yemutero, iyo inowedzera mitero yakadai seyi inogona kukosha).
Uye nemari yezvibereko muzvinyorwa zvenhoroondo, hakuna munhu anokwanisa kutaura kuti kana iwe uine kuzvidzora, nguva, uye kuziva-sei, kuisa mari iyo panzvimbo yekubhadhara chikwereti chemari chekushaya chikwereti chingave chinokonzera. Asi ngative vakatendeseka, vashomanana chaizvo vanhu vane rudzi rwakadaro rwekuranga, nguva uye kuziva-sei.
Pakupedzisira, kana iwe uchifanira kuisa peni imwe neimwe yekupedzisira iwe unofanirwa kuva nayo pasina uye yakajeka, unogona kunge uchiri nani pakuisa mari kune dzimwe nzvimbo kuti ugosiyana.
Iwe unofanirwawo kuchengetedza imwe mari yakawanda yekutambudzika . Bhengi yako haisi kuzokupa iyo mari zvakare kana iwe uri musungo!
Chinokosha ndechekuti vanhu vakawanda uye vakawanda vanosarudza zvinowedzera kunze kwehana. Chidzidzo che2012 chinoratidza kuti vanenge makumi matatu kubva muzana veAmerica vane imba yavo pasina uye yakajeka. Ndiyo mamiriyoni 21 emhuri! Asi ndizvo chisarudzo chakanaka kwauri nhasi? Mireniyadhi anofanirwa kufungidzira zvakadaro - kuongorora kwe 2017 kunotaura kuti kuva neimba inenge ichiri chikamu chakanyanya chemaAmerica kurota.
Ndichakwanisa Kubhadhara Imba Yangu Here?
Zvikonzero zvakasiyana-siyana zvakawanikwa kufanotaura kuti ndiani achasarudza kana kuti haasarudze kuva zvake akasununguka uye akajeka.
Chokutanga uye chinonyanya kukosha ndeyemhuri. Pane kuwirirana kwakananga pakati pemisha inogona kuwanika mune imwe nzvimbo, uye kukwanisa kwevanhu kuwana zvikwereti zvemari zvakabhadharwa pachena uye zvakajeka.
Semuenzaniso, imwe yematunhu akakwirira ekuva nekusununguka uye akajeka munyika yose - inenge 50 kubva muzana - iri kuMacallen kana Hidalgo, Texas, umo mavhareji eimba yemari ari mu $ 75,000. Kusiyana kweiyo kuWashington DC, somuenzaniso, uko mavhareji eimba yepamusoro ari pedo ne $ 400,000, uye bedzi vanenge 8 kubva muzana yeimba yeimba vanogona kubhadhara mari yavo .
Matambudziko Ezera
Chinhu chechipiri chikuru chatinoona chikwereti makore.
Vaya vari mumakore iwayo kusvika kune makumi mashanu nemakumi mashanu ekukwirira kwepamusoro pezita rekubhadhara-pasina. Inenge makumi mana kubva muzana yevaridzi vemunharaunda vari muboka iri vane rusununguko uye rwakajeka.
Zvikonzero zvinoitika izvi zvinosanganisira chokwadi chokuti iwe unogara kwenguva refu, nguva yakawanda iwe unofanira kubhadhara chikwereti. Vanhu vakwegura kare kare vane mari yakawanda yakachengetedzwa kwekubhadhara pasi uye kubhadhara chikwereti chemusha wavo.
Kupa rusununguko uye zvakajeka zvakarewo chinhu chinonyanya kukosha kuvanhu ava sezvavanenge vava pedyo nekurasikirwa , asi tiri kuona vechidiki vaduku vachitanga kuva yavo pachena uye pachena.
Credit Score Inogona kuva Chiratidzo
Last is credit score. Inenge 45 kubva muzana yevanhu vose vanove vakasununguka uye vakajeka vane chikwereti chekwereti munzvimbo dzakasvika 800 kusvika 900. Ichi chimwe chinhu chinogona kufananidzwa nemubvunzo, "inotanga kuuya, iyo kana mazai?"
Vaya vane kuzvidzora kuva ne stellar chikoro chikamu pamwe vanozvipira kuti vawane chikwereti chavanobhadhara.
Uye vanhu vanogona kutora mari yavo yekubhadhara mari inowirirwa inowanzosimudzirwa nekodhi yechikwereti. Pfungwa ndeyekuti, zvakanaka kuti uve mumwe wavo!
Nzira Yokubhadhara Nayo Imba Yako
Kana chinangwa chenyu chiri chekuita pachena uye chakajeka, chero mari yakawedzerwa yemari yaunenge uchitarisana nayo inogona kushandiswa kubhadhara pasi yako chikwereti chikwereti. Uyewo, kana iwe uchikwanisika kuita imwe chete yebhadharo gore rimwe nerimwe, unogona kuchera nguva yaunotora kuti ubhadhara chikwereti chako zvikuru. Chengeta imwe yekutenga mortgage calculator kuti uone kuti nokukurumidza madhora anogona kunyauka sei.
Imwe nzira yekuita nayo chinhu chimwe chete, kana bhenji yako ichibvumira, ndeyekubhadhara hafu yekutenga mari imwe neimwe yevhiki. Uyezve, kana iwe usati wanyatsotsanangurira kushandisa zvishoma nezvishoma, iwe uri kumirirei?
Uye kana iwe wakanyanyisa nezvekuva neusununguko uye akajeka, zvino tora zvakanyanya nezvemakore gumi nemashanu ekubhadhara mari panzvimbo yekutora chikwereti makore makumi matatu. Iwe uchabatsirwa nekubhadhara mari shoma kune inofarira, zvakare.
Pakupedzisira, chengetedza imba yako yekushandisa kwemari kune zvimwe zvikwereti zvinodhura zvinogona kushandiswa kuwana iyo chikwereti chakabhadharwa pasi! Semuenzaniso, unogona here kuva nemitero yako yekutengesa inoderedzwa, kana kuchengetedza mari kune inshuwarisi yeimba yeimba kana zvishandiso? Izvo zvipo zvinogona kushandiswa kubhadhara mari yako.
Imwe chikwereti chikamu mubvunzo s.
Shari Olefson ndiye munyori webhuku rinonzi FINANCIAL FRESH START: Urongwa Hwako Hwetsanu Hwekugadzirisa nekugadziridza muNew Economy.