Zvinotaurwa Neako Chikwereti Chikamu Nezve Ukama Hwako

Zvemukati

• Ongororo ye

Mari yako yechikwereti inogona kufanotaura mashandisiro aunoita mari, ungangoita sei pachikwereti, kana kunyangwe chengetedzo yako yezvemari - asi izvozvi unogona kuwedzera chinongedzo chitsva pane icho chinyorwa: mukana wakadii iwe wekuwana rudo rusingaperi. Ehe, yako chikwereti mamaki anogona kunge ari mamwe makuru ekufungidzira ehukama budiriro, zvinoenderana nechitsva chidzidzo chakaitwa neFederal Reserve.

Uye iwe unogona kukanganwa ese nerdy penny-pincher stereotypes! Chidzidzo ichi chakawana kuti kukwirisa zvibodzwa zvako zvechikwereti, ndiko kunoita kuti uwane hukama hwenguva refu mugore rinotevera. Uyezve, iyo yakakwira zvibodzwa zvako, hushamwari hukama hunogara kwenguva refu, nekukwakuka kwese mumapoinzi zana uchideredza njodzi yako yekuputsa neinoshamisa makumi matatu neshanu muzana. Vakaroorana vanochengetedza pamwe chete, vanogara pamwe chete-vanhu vaifarira kukwezva kune avo vane zvikwereti zvakafanana kune avo, vatsvakurudzi vakawana. Kune rumwe rutivi, vanhu vane zvibodzwa zvakaderera vaiva hafu yenguva yokuwana ukama seavo vane nhamba dzakakwirira. Uye vanoshaya zvibodzwa muhukama vaive nemukana wakapetwa kashanu wekuparadzana.

Izvi hazvishamise sezvaungafunga. Chikamu chakaderera chinowanzo kuratidza kushushikana kwezvemari uye kutsvagurudza kwakapfuura kunoratidza kuti matambudziko emari nderimwe rematambudziko makuru ehukama.

Ehezve, iko chaiko kubatana apa hakusi mukugovana yako FICO mishumo pamwe nebhodhoro rewaini pazuva rako rekutanga. Asi, masayendisiti anoti zvinowanzoitika kuti maitiro anoita kuti vanhu vakanaka nemari anogonawo kuita kuti vave vakanaka muhukama. Hunhu hwakaita sehungwaru, kuvimbika, mutoro, kuziva, uye manejimendi enjodzi anoshanda zvakaenzana mumari nekudyidzana kwerudo.

Wagutsikana futi? Pachine imwe nyaya hombe: Zvikwereti zvikwereti hazvisi zveruzhinji-saka hapana imwe nzira yekutsvaga nhamba yeanogona kuroora iye asina kunanga-kubvunza. Uye kunyangwe isiriyo yekutanga-yekutaurirana, nyanzvi dzinoti kutaura nezvemari pakutanga muhukama kunogona kuita kuti rudo rwenyu ruwedzere. (Heano mutungamiriri anobatsira kune chaiyo nguva yekutaura nezve zvese-kusanganisira mari-muhukama.)

Panguva ino, munhu wese anofanirwa kuziva yavo yega nhamba. Kutenda kumutemo uchangoburwa, iwe unogona kuwana imwe yakadzama kiredhiti kiredhiti yemahara gore rega kuAnnualCreditReport.com. Kana iwe uchida rubatsiro kuronda zvibodzwa zvako kana kugadzirisa matambudziko pamushumo wako, enda kuMyFico.com.Uye kuti uwane mhinduro kumibvunzo yako yese yechikwereti, tarisa iyo yehurumende FAQ.

Ongororo ye