Mazano Okudzoka Pamutambo Kana Usingakwanisi Kuita Mari Yokubhadhara
Mhinduro yacho inogona kuva nyore mune dzimwe nguva. Somuenzaniso, kana usingakwanisi kutenga mari yako, zvinogona kutengesa motokari uye kuchinja kumotokari shoma asi yakachengeteka - kana kutoita pasina motokari kwekanguva.
Zvinosuruvarisa, mazano haawanzo nyore.
Nenzira, pane nzira dzaungashandisa kuchengetedza zvinhu kubva pakuipa.
Kana Iwe Usingabhadhari
Zvinogona kubatsira kutaura pamusoro pekutadza-mamiriro ekutanga. Kana iwe uchangobva kurega kubhadhara chikwereti, iwe pachakupedzisira uchasara pane chikwereti ichocho. Chigumisiro ndechekuti iwe uchatora mari yakawanda nokuti zvikwereti, mari uye mari yekufarira ichavaka. Chikwereti chako chikoro chichawa. Zvinogona kutora makore akawanda kuti uwanezve, asi iwe unogona kuvaka zvakare chikwereti chako nekukweretazve - dzimwe nguva mukati memakore mashoma.
Majeri ezokutengesa akaiswa pachena muAmerica kare kare, saka haufaniri kunetseka pamusoro pekutya kwevatokisi 'kutyisidzira kwekutumira mapurisa kunze mangwana . Zvisinei, iwe unofanirwa kubhadhara zvinyorwa zvepamutemo uye zvinoda kuti urege kuonekwa mudare.
Ndicho chakanyanya kuipa chingaitika. Hazvina kufadza - zvinoshungurudza uye zvinonetsa - asi chimwe chinhu chaunogona kuwana uye unogona kudzivisa mamiriro ezvinhu zvachose.
Apo Unoziva Iwe Haugoni Kubhadhara
Tine tarisiro, une nguva shomanana usati wabhadhara mari yako inotevera. Kana zviri izvo, iwe unogona kutora matanho usati wapera munguva ipi zvayo kubhadhara. Panguva ino, iwe unenge uine dzimwe nzira dzakasiyana.
- Kubhadhara nguva refu: Zvakanakisisa kuti uite mari yako yezvikwereti nenguva, asi kana iwe usingagoni kuita izvozvo, zvishoma nezvishoma zviri nani kudarika nguva yakanyanyisa. Edza kuwana mubhadharo wako mukati memazuva makumi matatu kubva pazuva rayo rakakodzera. Mune zviitiko zvakawanda, iyo inononoka kubhadhara haitauri kune mari yechikwereti, saka chikwereti chako hachizogadziriswa. Izvi zvinokusiya iwe sarudzo yekubatanidza kana kubhadhara chikwereti.
- Gadzirisa kana kugadzirisa: Unogona kunge uri nani kune imwe chikwereti chakasiyana. Kunyanya nezvikwereti zvinotapira sekwereti uye chikwereti chemari yekubhadhara, kubatanidza nemunhu wemari yako inobhadhara mari shoma uye mari yepamusoro inoda kubhadhara. Kunyanya iwe une nguva yakawanda yekuripa. Somuenzaniso, unogona kuwana chikwereti chako chaunenge uchibhadhara pamakore matatu kusvika mashanu. Kutora nguva yakareba kuti udzorere kunogona kuguma kukukwereta zvakawanda mukufarira - asi zvingave zvisina. Zvakare, kana uri kubuda kubva pamari yekubhadhara chikwereti iwe unogona kuuya nyore nyore mberi. Iwe unoda kushanda usati watanga kushayikwa zvikwereti kuti uwane mvumo yekubhadhara chikwereti. Vatengesi havakwanisi kupa chikwereti kumunhu anenge atova kumashure. Ndeipi kwaunofanira kukwereta? Tanga nekukumbira zvikwereti zvisina kuchengetedzwa nemabhanki uye zvikwereti zvemakwereti zvinoshanda munharaunda yako, uye vatengesi vepaIndaneti. Itai kuti zvikwereti izvi zviitike panguva imwechete kuitira kuti muwedzere kukuvadza kune chikwereti chenyu uye enda nemupiro wakanaka.
- Zvikwereti zvakachengetedzwa: Kubatana nemari yakachengetedzwa ndeye uyewo chisarudzo kana iwe uchida kubhadhara zvinhu sechikwata. Zvisinei, iwe unotarisana nekurasikirwa nezvinhu izvi kana iwe usingakwanisi kubhadhara mari yechikwereti chitsva. Kana iwe ukaisa imba yako pamutsetse, iwe unogona kurasikirwa nayo mukutsauka , izvo zvinoita kuti zvinhu zvive zvakaoma iwe nemhuri yako. Kuva nemotokari yako yakadzorerwa haisati yakwanisika, uye zvingava zvakaoma kuenda kumabasa uye kuramba uchiwana mari.
- Kurukura nevakweretesi: Kana iwe uchiona kutambudzika kubhadhara, taura nemutengi wako. Vanogona kunge vane maitiro ekukubatsira iwe, pasinei nekushandura zuva rako rakakodzera kana kukubvumira kudarika kubhadhara kwemwedzi inoverengeka. Iwe unogona kukwanisa kutaurirana nekugadzirisa nemari yako. Tsanangura kuti iwe haugone kuita mari, kupa zvishoma kudarika iwe, uye ona kana vachibvuma. Izvi hazvizobudiriri kubudirira kunze kwekuti iwe unogona kugutsira chikwereti chako chausingakwanisi kubhadhara, asi ndicho chakanaka. Cherechedza kuti chikwereti chako chichatambura kana iwe uchigadzirisa, asi iwe unogona kuisa mari yako shure kwako.
- Tanga kuisa zvikwereti zvako: Iwe unogona kunge uchida kuita zvisarudzo zvakaoma pamusoro pokuti zvikwereti zvinoregerei kubhadhara uye izvo zvinofanira kuchengetedza ikozvino. Uchenjeri huripo hunoti unoramba uchibhadhara pamusha wako uye nemari yako yemari, uye kurega kubhadhara zvikwereti zvisina kuchengetedzwa kana iwe uchifanira, sezvikwereti zvemari uye makadhi emakwereti. Chikonzero ndechokuti iwe haufaniri kubudiswa kana kuti motokari yako idzoke zvakare. Kukuvadza kune chikwereti chako hachisiwo chisingadi, asi haichivhiringidzi hupenyu hwako nenzira imwecheteyo pakarepo. Ita rondedzero yekubhadhara kwako uye uite chisarudzo chakanaka pamusoro peumwe neumwe, kuchengetedza kuchengeteka uye utano mupfungwa sezvaunosarudza.
Federal Student Loans
Kana iwe wakakwereta kune dzidzo yepamusoro uchishandisa hurongwa hwehurumende huripo, une zvimwe zvingasarudzwa zvekuwedzera. Mari dzinotsigirwa nehurumende yehurumende ine zvimwe zvikomborero zvisingawaniki kune imwe nzvimbo.
- Kusarura: Kana iwe uchikwanisa kubhadhara, iwe unogona kurega kubhadhara kwekanguva. Izvi zvinokupai nguva yekudzoka netsoka dzenyu. Kune vamwe vanotora chikwereti, ichi ndicho chisarudzo panguva dzekushaiwa basa kana mamwe matambudziko emari.
- Kubhadharwa kwekubhadhara mari: Kana iwe usingakodzeri kubhadharwa, unogona kukwanisa kuderedza mari yako yaunofambisa pamwedzi. Mapurogiramu ekubhadhara mari inokonzerwa nemari anogona kubhadhara mubhadharo unofanirwa kuwanikwa. Kana mari yako yakanyanyisa pasi, iwe uchaguma nebhadharo yakaderera zvikuru kuti uenzane.
Payday Loans
Payday zvikwereti zvakare zvakasiyana-siyana, zvikurukuru nekuda kwezvavanoita zvikuru mari. Iyi zvikwereti zvinogona kukutumira nyore nyore mune chikwereti chemari, uye pakupedzisira, nguva inouya apo iwe haugone kuita mari yako.
Kubatanidza kubhadhara chikwereti chikwereti chimwe chezvinhu zvako zvakanakisisa kunze kwekuti iwe unogona kuripa. Iwe unogona kutengesa chinhu chekudha mari here? Shift chikwereti kune chikwereti chisina kudhura - kunyange kutengesa kadhi yemarikiti kunogona kukuchengetedza mari nekukutenga nguva. Ingofunga nezvekubhadhara mari yekubhadhara uye usashandisa kadhi chero chinhu kunze kwokubhadhara pasi chikwereti chiripo.
Kana iwe wakatove wakanyorera cheki kubhadharo yemari yekubhadhara, zvingave zvichibvira kurega kubhadhara pa check. Zvisinei, izvi zvinogona kutungamirira kumatambudziko epamutemo, uye iwe uchine chikwereti chemari. Taura nemuchengeti wemunharaunda kana mutungamiri wepamutemo unoziva nemitemo iri munyika yako usati warega mutero. Kunyange kana iri sarudzo, iwe unofanirwa kubhadhara mari shoma kubhangi rako.
Credit Cards
Kubhadhara zvikwereti pane kadhi rechikwereti kunodawo kunyatsotarisirwa. Kana zvichikwanisika, bvisa zvishoma kubhadhara, kunyange mamwe akawanda ari nani nguva dzose. Paunomira kubhadhara, chikwereti chako chekwereti chikwereti chinogona kukwidza chikwereti chako chekuda kusvika kune chikamu chikuru chechirango. Izvi zvingakuita kuti uongororore zvinokosha zvekuti zvikwereti zvipike uye zvipi zvaunofanira kuripa.
Gamuchira rubatsiro
Unogona kufunga kuti haugoni kuwana rubatsiro kana iwe uine dambudziko nemari yekubhadhara chikwereti. Asi iwe hausi iwe iwe pachako.
- Kubhadhara mazano kungakubatsira kuti unzwisise mamiriro ako ezvinhu uye uuye nemhinduro. Kunze kwekunze kunowanzobatsira, kunyanya kubva kune mumwe munhu anoshanda nevatengi vakaita sawe zuva nezuva. Chinokosha ndechekushanda nemupi wezano anoremekedzwa uyo asiri kungoedza kukutengesa chimwe chinhu. Mune zviitiko zvizhinji, kupa mazano kunopiwa pasina mari. Zvichienderana nemamiriro ako ezvinhu, mupi wezano anokwanisa kupa chirongwa chekuchengeta chikwereti kana imwe nzira yekuita. Tanga tsananguro yako kumakurukota neNational Foundation yeCredit Counseling (NFCC) uye mubvunze pamusoro pemari uye uzivi usati wabvumirana chero chinhu.
- Kushungurudza vatongi vanogonawo kubatsira, asi usashamisika pavanenge vachiratidza kufanira kubhadhara. Kubhadharira kunogona kugadzirisa matambudziko ako, asi panogona kunge pane dzimwe nzira dzakanaka.
- Rubatsiro rwehuruzhinji runowanikwawo munzvimbo dzakawanda. Nzvimbo dzakashandiswa mumunharaunda, hurumende yehurumende, uye vamwe vanopa zororo kune vanhu vanoda kubatsirwa kubhadhara zvikwereti. Aya mapurogiramu anogona kupa rubatsiro rwakakwana kuti akubatsire kuramba uri pamusoro pemari yako yekutora chikwereti uye usatora mamwe matanho makuru. Tanga tsvaga yako kuU.SA.gov uye ukumbire vashandi vako vekune simba nefoni pamusoro pezvirongwa zviripo.
Kufambira Mberi
Kusvika ikozvino tave nekugadzirisa nguva pfupi. Pakupedzisira, iwe unoda chirongwa chenguva refu yekugara pamusoro pezvikwereti. Upenyu husinganyanyi kunetseka kana iwe usingafaniri kubudisa moto iwoyo, uye iwe unoda kubhadhara zvinangwa zvakakura uye zviri nani.
- Emergency fund: Zvakakosha kuti uwane mari yekukurumidza. Kunyangwe kuri $ 1 000 kuti ubudiswe mujamu , kana kuti mwedzi mitatu yekugara kwezvinhu, kuti mari yakawanda ichakubatsira kuti usapinda matambudziko. Iwe haufaniri kutora chikwereti kana chimwe chinhu chinopera, uye iwe uchakwanisa kubhadhara zvikwereti zvako pasina kukanganisa. Dambudziko iri kuvaka chikwama ichocho, iyo nyaya yekushandisa mari shoma pane iwe unowana.
- Kunzwisisa mari yako: Iwe unoda kuti unzwisise pane zvaunowana uye kushandisa mari kuti ubudirire. Nyora nhamba iyo pasi uye uone mari yose yaunopedza nayo mwedzi mwedzi-yakapfuura zviri nani. Usakanganwa kubatanidza mari yaunobhadhara iwe gore negore, yakadai semutero wepaimba kana yero yehupfumi yehurumende. Iwe haugone kuita zvisarudzo zvakanaka kusvikira iwe uchiziva kuti mari inoshandiswa sei. Iwe unogona kunge uine mari yakawanda, shandisa zvishoma, kana zvose zviri zviviri. Nokuda kwemigumisiro yakakurumidza , mikana yakawanda inowanikwa iri kutora basa rakawedzerwa, kuderedza mari, uye kutengesa zvinhu zvausingadi. Kuti uwedzere nguva refu, shandisa basa rako uye ushandise tsika shure kwekunge watora kukurumidza kukunda.