Matorero Akakodzera uye Kudzorera Chikwereti

Nhasi, masevhisi ekukweretesa ari kuwanikwa zvakanyanya kupfuura nakare kose. Iwe unogona kutora kiredhiti yakakura kana diki kune chero kutenga, kubva mufurati kuenda kumidziyo yemumba. Uyezve, nhasi, unogona kutora chikwereti uchishandisa application pafoni yako, senge, semuenzaniso, iyo Payday Loans App. Zvisinei, pasinei nekuzivikanwa kwakanyanya kwezvikwereti, vazhinji havazivi kuti vangashandisa sei basa iri nemazvo uye vanozvipinza muchikwereti. Ndicho chikonzero, pasinei nemhando yechikwereti uye chaunoronga kuitora, pane mitemo iyo munhu wose anofanira kuziva.

Verenga Kuti Ingani Chikwereti Chaunogona Kudzorera

Mutemo wekutanga wemukwereti: ongorora kugona kwemari usati watora zvisungo zvechikwereti.

Izvo zvakakwana kana mubhadharo wepamwedzi wechikwereti usingapfuuri 30% yemari yemukwereti. Kana mhuri ikatora chikwereti, haifaniri kunge inopfuura 50% yemari yemumwe wevakaroorana. Kana mari yekubhadhara chikwereti ichikura, mutoro pamunhu wacho wakakwirira, uye kana pane kuderera kwemari, ivo vachave vari munzvimbo yakaoma zvikuru.

Funga nezvezviitiko apo mamiriro ako emari anogona kudzikira zvakanyanya. Kana, mumamiriro ezvinhu akaipisisa, iwe unogona kuramba uchibhadhara chikwereti pasina kukanganisa, yakakunakira iwe.

Ita Ongororo yeZvikwereti Zviripo

Kana uine zvikwereti zviripo, zvakakosha kuti uzviongorore, unyore pasi kuti imarii yakatorwa uye nechikamu chipi, uye kuona huwandu hwekubhadhara zvakanyanya pazvikwereti izvi.

Nyanzvi dzinokwevera pfungwa dzako kune chokwadi chekuti zvese zvinofanirwa kuverengerwa mukati zvikwereti - zvikwereti, zvikwereti, makadhi echikwereti, uye zvimwe zvikwereti. Saizvozvo, mutoro wechikwereti unofanirwa kuverengerwa kuitira kuti kubhadhara pamhando dzese dzezvikwereti account isingapfuuri 30% yemari yemwedzi yemunhu kana mhuri.

Bhadhara Zvikwereti nenguva

Chinhu chakakosha kana uchibhadhara zvikwereti inguva. Zvikasadaro, chikwereti chinozongokura, uye nekuda kwekunonoka kubhadhara, yako wega kiredhiti rating ichaderera.

Bhadhara Zvikwereti Kare kana zvichiita

Kuti udzose mari nekukurumidza, iwe unogona kuita chirongwa chekukurumidza kubhadhara chikwereti. Nzira mbiri dzinowanzo shandiswa:

• Economic - dzorera chikwereti nemari yakawandisa kana kuti yepamusoro-soro uye wozoderedza huwandu hwemari yakawandisa.
• Psychological - kudzorera zvikwereti zviduku zvakakwana, chimwe nechimwe; iyi ndiyo nzira iyo munhu anoona nayo kuti nguva imwe neimwe, pane chikwereti chimwe chakaderera, kuzvivimba, uye simba zvinoratidzika kubhadhara zvikwereti zvasara.

Govera Budget Yekubhadhara Chikwereti Kuti Zvikwereti Zvisawanda

Kuti udzivise kuunganidza chikwereti chechikwereti, unofanirwa kukoshesa kubhadhara zvikwereti, zvimwe zvinosungirwa mari, senge dzimba nemasevhisi emunharaunda, chikafu, uyezve zvimwe zvese paunenge uchironga bhajeti yako.

Nyora rondedzero yezvaunoshandisa kubva kune zvakakosha kusvika kune zvishoma zvakakosha. Kana kushandisa zvakakosha kwakaiswa zvakajeka, hapana mukana wekuti hauzove nemari yakakwana yekubhadhara chikwereti kana chimwe chinhu chakakosha. Pakarepo mushure mekugamuchira chero mhando yemari, iwe unofanirwa kuisa parutivi mari yekubhadhara / kubhadhara pazvikwereti.