Izvi zvitatu zvepaIndaneti zvisingabhadhari zvinokubatsira kuti uuye neurongwa hwokuderedza uye kubhadhara chikwereti chako . Iwe uchada kupinda mune zvimwe zvikwereti zvekukwereta, sezvinhasi bhiriji rezvikwereti, makadhi emakwereti uye zvikwereti zvekubhadhara uye zvinowirirana nehuwandu hwemari, ipapo uchawana mazano e nzira yakanakisisa yekubhadhara chikwereti nemashandisirwo emifananidzo zvinokubatsira kuti ubatisise ronga.
Idzo huru huru nhatu dzisina chikwereti mumadhora ekuderedza mapurogiramu nde:
- Chikwereti Payoff Planner
- Dave Ramsey Total Money Makeover Chikwata Chedu Chechikwereti
- Yakagadzirira Zero
01 Chikwereti Coach Pamusoro Pechikwereti Kupedza Dambudziko
Dhibhadha Coach iri nyore yekutengesa zvikwereti zvakakwana. Panzvimbo pokurumbidza kuti iwe ungabhadhara sei chikwereti iwe pachako, Chikwereti Coach chinobatsira vanhu kunzwisisa kuti zvipi zvinogadziriswa zviripo kuvabatsira kubhadhara chikwereti. Izvi zvinogadziriswa kubva mukubatanidzwa kweBills.com medu data, kukweretwa kwemari chikwereti kubva kune zvinyorwa zvinovimbika uye kubva kuvanoshamwaridzana naBills.com.
Kunyange kana iwe usingadi rubatsiro rwekunze, tora chikwereti Coach kuti uite basa nokuti inofadza chaizvo inoratidza vashandi nzira yekusarudza nzira yakanakisisa yekubvisa chikwereti nemafungiro akadai sehutori huripo, kukwanisa kubhadhara, kubhadhara chikwereti kana chikwereti mazano ekuronga, kukweretesa chikwereti, uye mari yekubatanidza zvikwereti. Mazano anonyatsotarisa kubva pane data iwe unopinda kune chikwereti chako, zvinangwa zvemari uye zvaunoda. Zvingasarudzwa pamutengo wakaderera, kubhadhara mwedzi mumwe nomumwe, kana nguva shoma kune chikwereti pasina (zvichienderana nezvinangwa zvako) paunenge uine hanya kune zvimwe zvisingakanganisiki zvakadai sekukweretesa kwako uye chiitiko chaicho chekutevera imwe purogiramu.
Apo iwe uchipfuura uchipindura mibvunzo uye uchipinda dhamusi mubvunzurudzo yepaIndaneti, uchaona Chikwereti Chekweretheni kumusoro. Zvimwe zvakasiyana-siyana zvekuti chikwereti chinosangana nehupenyu hwako chinoratidzwa sei pasi peKutsvaga Kwechikwereti, sekukura kwekutambudzika, kubhadhara chikwereti, kukosha kwemari uye mari yakakodzera.
02 Dave Ramsey Total Money Makeover Chikwata Chechikwereti cheBlackball
- Wedzera zvikwereti kune rumwe rutivi, ipapo iwe unogona kuvhara pamiseve yekufamba mumwedzi uye ona girafu rekufambira mberi kubhadhara chikwereti.
- Rongedza madhora mune chero mararamiro aunoda kana kusarudza Hurukuro Dave's Way, iyo inonyora chikwereti chiri kukwira kurongeka neyeroji (kutsika kwakatangira kutanga, pamitemo yeDhebt yeBhutchiti yemitemo).
- Isa mari yekuwedzera mari uye ona mahedheni ekubhadhara, shandisa Chikwereti Overview tab ye grafu nematare ekubhadhara.
- FAQ inotsanangura kuti ungashandisa sei chikwereti cheDhaka yeBlackball.
- Freedom Countdown inodhindwa inoratidza mutsara wezvikwata zvinomiririra mwedzi yakasara kune chikwereti chimwechete kusvika panguva yekubhadhara. Bhurai mwedzi mumwe nomumwe kana iwe uchiita mubhadharo senhare yekukurudzira inokubvumira kuti uone kufambira mberi kwako.
03 Yakagadzirira Zero
Iyi purogiramu yekuderedza chikwereti iri muIndaneti inopa zvigadzirwa uye ruzivo kuti uite chirongwa chekudzivirira chikwereti iwe pachako. Yakagadzirira Zero inowedzera mamwe mashandisi ezvinyorwa zvekubhadhara uye zviyero zvebhuku, zvakare.
Tanga nekuwedzera mari yako, zvikwereti zvemari, zvikwereti uye imwe chikwereti. Kugadzirira Zero kuchengetedza gwaro rako mune ruzivo rwegazini imwe neimwe kuitira kuti zviyero zvebhuku zvivandudze zvakare. Wakagadzirira Zero uye zvinokubatsira kuti uuye neurongwa hwokubhadhara chikwereti chako nekuratidza mari yaunoda kubhadhara pane chikwereti chimwe nechimwe mwedzi mumwe nomumwe. Chirongwa ichi chinokuratidza iwe kana madhora ako achabhadharwa uye chikwereti chaunenge uchibhadhara.
Iwe unogona kubhadhara pazvikwereti zvakananga kubva ku Ready For Zero, uye iyo purogiramu ichakuudza kuti ingabhadhara mari yakawanda sei mwedzi mumwe nomumwe. Iwe unogona kuisa zvinowanzogadziriswa pamwedzi wega wega, ndeyebhaekly kana kuti imwe nguva kubhadhara ne Ready For Zero Plus, mari ye $ 4.99 pamwedzi wese iyo ichaita zvikwereti zvisingagumi. Iwe hauna kutenderwa kuti usayine Plus service kushandisa iyi purogiramu, adn kana ukasarudza kuenda munzira isingabhadharwi, iwe uchangofanira kuzvibhadhara iwe pachako. Iwe unogona kushandisa bhadharo rekubhadhara mari yepaIndaneti (yakabhadharwa inodhura zvakanyanya kupfuura Ready For Zero Plus) kana Manilla kuisa iyo mitsva inotsvaga.
Yakagadzirirwa Zero ine zvimwe zvinokurudzira kuronga iwe. Iti iwe uwane bonus chekuongorora. Purogiramu yacho ichagadzirisa zvinorayirwa kubhadhara kusvika mwedzi iwoyo kuitira kuti iwe unogona kubhadhara chikwereti chako nokukurumidza. Zvitubu zveNzvimbo dzinopa ruzivo rwakananga nemibvunzo uye mhinduro dzemhando dzakashata dzemari dzakadai sokubhadhara chikwereti, zvikwereti zvekwereti, chikwereti chekubhadhara uye bhajeti. Panewo mazano ekuderedza chikwereti uye chikwereti chenhamba.
The Ready For Zero Savings Platform inotsvaga zvigadzirwa zvemari kuti ibatsire nekuderedza chido chekuda uye kuderedza chikwereti nokukurumidza. The Savings Platform haina kugoverana nemashoko ako ega ega nemakambani ari shure kwezvipo izvi, uye iwe unogona kuvhara Savings Platform kubva. Vashandisi veIfayili vanogona kukotora purogiramu yepachena inobvumirana nemutauro wekutsvaga.