Nzira yekutenga mota mushure mekunyora kubhuroka

Pane zvikonzero zvakawanda nei vanhu vachinyorera kubhuroka, asi mune yega yega, kukweretwa kwemunyoreri kunotambura zvakanyanya, zvichiita kuti zviome kuwana mari yekutenga kukuru. Kune rumwe rutivi, kuwana mukweretesi wemotokari hazvibviri, uye mune dzimwe nguva zvingava nyore pane zvaungatarisira.

Chero mamiriro ako ekubhuroka, anogona kuenda kure kure kugadzirisa kukuvadzwa kwakaitwa kuchikwereti chako; uye, zvichienderana nekunyora (chingave chitsauko 7 kana chitsauko 13), kune ruzivo rwakawanda pamusoro pemutemo wega wega. Kuziva kodzero dzako mune yega yega ndiyo kiyi kune zvese kudzivirira zvakanyanya kukuvadzwa kunhoroondo yako yechikwereti uye kuwana dhiri yakanakisa pakutenga mota yako.

Mitemo yekubhuroka inosiyana kubva mudunhu nenyika uye zvakakosha kuziva kuti ndeipi mitemo inoshanda mudunhu rauri kuisa. Nekudaro, zvakakosha kuti unzwisise huwandu hwakazara hwemamiriro ako emari kuitira kuti iwe ugone kutenga mota yakakunakira iwe pasi peyakanakisa mamiriro ako ekupa.

Chikamu 1 che2: Ita shuwa Iwe Unonzwisisa Yako Bankruptcy Situation

Danho 1. Sarudza rudzi rwekubhuroka kwawakaisa uye zvaunosungirwa. Usatora matanho ekutenga mota kusvika waziva kuti ndeupi rudzi rwekubhuroka kwawakanyorera uye nekunzwisisa zvaunosungirwa kune mukweretesi kuitira kuti ugone kufunga zvaunogona kuita usati watenga.

• Mabasa: Ungada kuonana nemukuru wechikwereti kana murongi wezvemari kuti akubatsire kunzwisisa zviri nani mamiriro ako emari nechikwereti pakutanga kwekubhuroka kwako, pamwe nerubatsiro pakuronga ramangwana uye kuronga zvinangwa.

Danho rechipiri: Ziva kodzero dzako pasi pechitsauko 2 kana chitsauko 7 chemitemo yenyika yako yekubhuroka.. Chinhu chikuru chekusarudza kuti ndechipi chitsauko chekubhuroka chaunonyorera idanho rako remari.

Mamiriro ako ezvinhu zvakare anoenderana nezvaunokwereta vanokwereta uye rudzii uye kuti imarii maassets aunawo.

Muzviitiko zvakawanda zveChitsauko 7 zvekubhuroka, zvese zvako zvisina kushandiswa zvichabviswa kuti zvibatsire kubhadhara chikwereti chako chasara.

Zvinhu zvisingabhadharwi zvinosanganisira zvinhu zvisingakoshi zvaunazvo zvingave zvakakosha, zvinosanganisira zvishongo nezvipfeko zvinodhura, zviridzwa, midziyo yemumba, mari yaunogona kushandiswa, uye chero mota dzekuwedzera dzisiri dziya dzinonzi nevakwereta kwauri.

Pasi pechitsauko 7 kana 13, kana une motokari inogamuchirika, sezvingabvira uchakwanisa kuichengeta. Asi maererano nechitsauko 7, kana uine motokari youmbozha, unogona kumanikidzwa kuitengesa, kutenga motokari isingadhuri, uye kushandisa imwe mari yacho kubhadhara zvikwereti zvako.

Danho rechitatu: Shanda pakuvandudza nhoroondo yako yechikwereti.. Tora matanho ekuvakazve chikwereti chako nekuwana kadhi rechikwereti rimwechete kana maviri akachengetedzwa. Chengetedza zvikwereti zvako pasi pemutsara wako wechikwereti uye gara uchibhadhara nenguva.

Chikwereti chako chichakanganisika kwenguva yakareba pasi pechitsauko chipi nechipi chekubhuroka, uye dzimwe nguva zvinotora makore anosvika gumi kuti unyatsopora.

Nekudaro, unogona kuwana zvakare kugona kwako kwekubhadhara kumwe kutenga mushure menguva yakati, dzimwe nguva mukati memwedzi mishoma pasi pechitsauko 7 uye kazhinji mukati memakore mashoma pasi pechitsauko 13.

• MabasaA: Funga kumisikidza kubhadhara otomatiki kwemakadhi akachengeteka, kana zvichibvumidzwa nekambani yako yekadhi rechikwereti, kuti usapotsa netsaona zuva rekubhadhara.

Chikamu 2 che2: Kutenga mota mukubhuroka

Danho 1. Sarudza kana uchida motokari. Mamiriro ako ekubhuroka anoda kuti uite sarudzo dzakawanda dzakaoma dzemari, uye kuongororazve dudziro yako yekuti "Ndinoda" uye "Ndinoda" inogona kuve basa rakakura uye rakakosha.

Kana uchigara munzvimbo ine zvifambiso zvevoruzhinji isarudzo inonzwisisika, kana uine vanhu vaunokwanisa kushanda navo, zvingave zvisina kukodzera kutora chikwereti chitsva chemotokari iwe uchibhuroka.

Danho rechipiri: Wana rubatsiro rwekubhuroka kana uchikwanisa. Kana ukafunga kuti unoda kutenga motokari, mirira kusvikira waisa mari yekubhuroka.

Chitsauko 7 kubhuroka kunowanzo gadzirisa mukati memwedzi mishoma, mushure meizvozvo iwe unogona kunge uchikwanisa kuwana chikwereti chemotokari.

Pasi peChitsauko 13, zvinogona kutora makore usati wagamuchira rubatsiro rwekubhuroka. Zvinogona kuita sezvinotyisa, asi iwe unogona kuwana chikwereti chitsva pasi peChitsauko 13 kubhuroka.

Gara uchitaura netrasti yako nezve hurongwa hwako hwekutenga nekuti trustee angangofanira kubvumidza hurongwa hwako mudare uye nekutora mapepa anodiwa echikwereti usati waenda kumberi.

Danho rechitatu: Nyatsofunga nezvemitengo yemari ine chekuita nekutenga mota.. Kana iwe ukagona kutenga chikwereti chitsva mukubhuroka, mibairo yako inogona kunge yakakwira se20%. Iva nechokwadi chekuti unokwanisa kutenga mota yaunosarudza kupa mari.

• MabasaA: Kana iwe ukakwanisa kumirira makore mashoma kuti utore chikwereti chitsva, iyi inogona kunge iri yako yakanyanya kubheja. Sezvo nhoroondo yako yechikwereti ichivandudza, iwe uchapihwa zvirinani zvekubhadhara.

Chero mamiriro ezvinhu aunozviwana uri mauri, usakwereta kubva kune vanokweretesa hawkish vanoda kukupa mari zuva raunenge wawana chirevo chako mutsamba. Usatenda kushambadzira kwepamoyo kunoti, "Tinonzwisisa mamiriro ako uye tiri pano kuti tikubatsire kudzoka patsoka dzako."

Ava vanokweretesa vanokuvimbisa chero chinhu che 20% mubereko, uye dzimwe nguva vanobatana ne "vanofarira" vatengesi vanogona kutengesa mota dzakaoma nemitengo yakakwira.

Pane kudaro, bvunza vakweretesi vakashata vanopiwa kuburikidza nevatengesi vane mbiri munharaunda yako. Gara uchitarisa kunaka kwemota chero ipi zvayo yaunotenga uye gadzirira kubhadhara mubereko mukuru.

Danho rechina: Tarisa mitengo yakaderera. Ita tsvakurudzo yakawanda sezvaunokwanisa pamotokari dzinoshandiswa zvakanakisisa pamitengo yakaderera. Dzimwe nguva mota dzakanakisa hadzina kunaka, saka usanetseka nezve aesthetics.

Funga nezvemotokari dzakavimbika dzine ongororo dzakanakisa uye dzine mutengo wakanaka tag. Unogona kuedza kutsvaga mota dzakashandiswa pamawebhusaiti akavimbika seEdmunds.com uye Consumer Reports.

• Kudzivirira: Kana ukawana chikwereti, iva wakagadzirira kuita mubhadharo wakakura uye uve nemhindu yakakwira zvikuru inoswedera ku20%. Paunenge uchitsvaga mota chaiyo, unogona kushandisa nguva ino kuti utange kuchengetedza mari yekubhadhara.

Danho 5: Kana zvichiita, tenga motokari nemari. Kana iwe uchikwanisa kuchengetedza imwe mari yako kubva mukurasikirwa mushure mekunge waisa kubhuroka, funga kutenga mota nemari.

Maakaundi ako ekubhangi anogona kunge akavharwa zvachose, asi mitemo inosiyana kubva kune imwe nyika kuenda kune imwe nyika, sezvinoita mamiriro ekubhuroka kwako. Mitemo yekubviswa kweasset muchitsauko 7 yakaoma pane iri muchitsauko 13.

Chero zvazvingava, iwe unozofanirwa kutsvaga isingadhure yakashandiswa mota mune yakanaka kushanda yakarongeka ine yakaderera mileage. Rangarira kuti kana iwe uine chero mota inonzi "yeumbozha", dare rinogona kukumanikidza kuitengesa kuti ubhadhare zvikwereti zvako.

• MabasaA: Kana usati wanyorera kubhuroka parizvino, funga kutenga mota nemari usati waisa kubhuroka. Asi kunyange munyaya iyi, unofanira kutenga motokari nemutengo unonzwisisika.

Nhanho 6: Ita shuwa kuti kiredhiti yako yechikwereti haina kubvisa. Bvisa chero mari yaunotora pane rekodhi yako usati wabvunza nemukweretesi, kana uine. Muzviitiko zvakawanda, vateresi vane hanya zvakanyanya nezvekutorazve pfuma pane kubhuroka.

Kudzoserwa kunovataurira kuti munhu wacho haakwanise kana kusarudza kusabhadhara. Ukuwo, vanhu vakamhan'ara kubhuroka vangangove vakabhadhara nenguva asi vakatambura nedambudziko rezvemari rakavamanikidza kuti vapindewo mumamiriro ezvinhu akafanana.

Kubvisa kuri nyore kuwana kubva kumushumo wako wechikwereti nekuda kwehuwandu hwemapepa uye humbowo hunodiwa kuti irambe iri pamushumo. Kana iyo isingakwanisi kunyatsosimbiswa, saka nemutemo inofanira kubviswa.

Kana iwe ukapokana zviri pamutemo rekodha yekudzoserwa, unomira mukana wakanaka wekuti ibviswe mushumo wako wechikwereti nekuti kambani yakaraira kudzoserwa inogona kusapindura kune chikumbiro chemukweretesi chekuongorora kana vangave vasina magwaro ese. Chero nzira, unokunda.

Nhanho yechinomwe: Chengetedza Nhoroondo Yako Yekutyaira Yakachena. Vazhinji vanokweretesa vachaita cheki yakazara kumashure nhoroondo yako yakanyorwa nekuti iwe uri panjodzi kupfuura vamwe vanokwereta.

Kuti uite izvi, ivo vanotora marekodhi ako ekutyaira kuti avabatsire kusarudza kana vachikukweretesa. Kana vasina kusarudzwa, ruzivo rwako rwekutyaira runogona kuvabatsira kuita sarudzo zvechokwadi. Kana uine ruzivo rwekutyaira zvakanaka, pane mukana wakanaka wekuti chikwereti chako chitenderwe nekuti mota ndiyo rubatso rwechikwereti.

Kana uine mapoinzi parekodhi yako, tsvaga kana uchikodzera kuenda kuchikoro chekutyaira kuti ubviswe.

Nhanho 8: Tanga kutsvaga kwako mukweretesi akanakisa mamiriro ako aunofanira kupa. Tsvaga online, muzviziviso zvemuno, uye bvunza shamwari nemhuri.

Iwe uchave nezvakawanda zvekusarudza kune vatengesi (izwi rakakosha pano ndere "vatengesi" uye kwete "vakaipa vanokweretesa kiredhiti" ad yawakawana mutsamba zuva rakatevera mushure mekudzingwa) avo vanonyanya kuita kiredhiti yakaipa uye kubhuroka mari.

Iva akajeka uye akatendeseka pamusoro pemashoko ekubhuroka kwako, sezvo mune dzimwe nguva ivo vangangotenderwa.

• MabasaA: Ingava pfungwa yakanaka kutanga nemasangano ekukweretesa awakambobata nawo kare uye kwawakanga uine rekodhi yakanaka. Dzimwe nguva kuva nemuchengeti (nhengo yemhuri kana shamwari) kunogona kuita kuti hurongwa huve nyore, asi hunovaita kuti vave nemhosva yepamutemo yechikwereti chako kana iwe usingakwanise kubhadhara.

Nhanho 9: Tsvaga zvideredzwa kubva kune automaker. Zvidzikiso zvakanakisa hazvina kushambadzwa zvakanyanya; asi kana iwe ukafonera mutengesi uye uchibvunza kuti ndezvipi zvakanakisa zvidzikiso zviripo, vanofanirwa kufara kubatsira.

Iwe unogona kuda kushandisa dhizaini pamusoro pemari yawakaisa parutivi kuti ubhadhare pasi, nekuti mubhadharo wepamusoro unoita zvinhu zviviri: zvinoita kuti usanyanya njodzi kune mukweretesi, uye inogona kuderedza mari yako yemwedzi.

• Mabasa: Nguva yakanakisisa yekutsvaga zvikwereti ndeyekupera kwegore remuenzaniso (September-November), apo vanogadzira uye vatengesi vari kutsvaga kubvisa mienzaniso yekare kuti vawane nzvimbo kune itsva.

Chero angave mamiriro ako ekubhuroka, anogona kunge asina basa sezvaungafunga. Nguva dzose edza kuramba uine positive sezvinobvira. Pane nzira dzaungatore mukana wekutenga mota, kudzosa chikwereti chako, uye kugadzirisa mamiriro ako emari mukufamba kwenguva. Kushingaira uye kushivirira ndizvo zvakakosha, sekuwana ruzivo rwakawanda sezvinobvira pamusoro pemamiriro ako ekubhuroka kuitira kuti utore matanho anodiwa uye akanaka kumberi.