Ndingaratidza sei kuti ndakabhadhara imba yangu yemba?
Miriam Caldwell anga achinyora nezve bhajeti uye mari yemunhu kubva 2005. Anodzidzisa kunyora semurairidzi wepamhepo naBrigham Young University-Idaho, uye zvakare mudzidzisi wevadzidzi vezvikoro zveveruzhinji muCary, North Carolina.
Peggy James inyanzvi muaccounting, mari yemakambani, uye mari yemunhu. Iye muchengeti weakaunzi akasimirirwa ane muridzi wekambani yake yeakaunzi, anoshandira mabhizinesi madiki, asiri purofiti, varidzi vega, mafreelancers, uye vanhuwo zvavo.
Kudzokera kumashure pakubhadhara imba yako kwakasiyana nekusabhadhara rendi yako, nekuti inogona kuve nemhedzisiro yakakura pachikwereti chako. Unogonawo kuisa imba yako munjodzi kana ukatadza kubhadhara chikwereti. Zvisinei, une zvakawanda zvingasarudzwa: kubva pachibvumirano chekutsungirira, chinogona kukupa imwe nguva yekugadzirisa zvinhu, kune chiito-panzvimbo yekuvhara kana iwe usingakwanise kuchengetedza mamiriro acho ezvinhu.
Bata kambani yako yekukwereta ipapo kuti uone kana paine zvirongwa zviripo zvinogona kukubatsira. Unogona kunge uchikodzera kuderedzwa kwemubhadharo kwenguva pfupi kana kudzoreredzwa mubhadharo, zvichienderana nekwaunogara uye kuti uri kumashure here pachikwereti chako.
Mitero yemidziyo inokwira kana imba yadzikira
Mushure mekubhadhara chikwereti, unogona kuwana pfungwa itsva yekudada mumba mako. Imba ndeyako zvechokwadi. Iwe unogona kunge uine imwe mari inowanikwa mwedzi wega wega, uye iwe unenge uri panjodzi yakaderera yekurasikirwa neimba yako kana ukarova nguva dzakaoma.
Iwe unogona kuita zvinopfuura kungobhadhara kwekupedzisira kwekubhadhara imba kuti upedze chimiro chako chitsva chemuridzi wemba. Ziva izvo zvinofanirwa kuitika kana iwe uchibhadhara chikwereti chako kuti uve nechokwadi chekuti haina muripo zvachose.
Usati waita mubhadharo wako wekupedzisira wemortgage, unozofanira kubvunza mushandiri wako wechikwereti kuti uwane fungidziro yekubhadhara. Iwe unogona kazhinji kuita izvi kuburikidza newebhusaiti yemushandi uchinge wakabatana neakaundi yako yechikwereti chemba. Kana zvisina kudaro, unogona kuvafonera. Iva nenhamba yako yechikwereti. Unozoiwana pane yako mortgage statement.
Iyo amortization bhajeti inokuudza chaizvo kuti ingani mukuru uye mubereko waunofanira kubhadhara kuti uve neimba yako isina marekeni. Ichakuudzawo zuva raunofanira kuribhadhara. Kana ikatora nguva yakareba, haisi dambudziko guru. Iwe unongoda imwe mhindu.
Chii chinoitika kana iwe ukabhadhara chikwereti chako?
Kutenga imba mubhadharo (muhombe), asi pane zvimwe zvinodhura kana zvasvika pakuronga bhajeti repamba. Takawedzera zvese zvakawedzerwa, zvinosanganisira mabhiri uye mari inodiwa kuti zviitike, kuti tiverenge mukuwedzera kune remba.
1. Mitero Yezvivakwa - (Inochinja gore negore) Ngatitangei neicho chinowanzo kudhura: mutero wepamba. Mitero yezvivakwa inotarwa pamatunhu nematunhu. Unogona kudzidza nezve Washington state tax pano.
Semuridzi wemba, unobhadhara mari inoenderana nekukosha kwemba yako. Mari iyoyo inopatsanurwa pakati peguta raunogara nenyika. Sezvo kukosha kwezvivakwa kunowedzera, ndizvo zvinoitawo mutero wezvivakwa. Gore roga roga, mukweretesi wako anowanzo tumira chiziviso chinotsanangura kana iwe uchizofanira kubhadhara zvakanyanya kana zvishoma zvichienderana nezvinodiwa zvemutero weimba. Mumakore apo mitero inowedzera, iwe uchafanira kubhadhara chikanganiso, ndiko kuti, mutsauko kubva kune ikozvino unokweretwa nekuda kwekuwedzera. Iwe unogona kusarudza kubhadhara mutsauko, kana kuisa imwe mari pabhiri rako repamwedzi.
Kana iwe ukatora chikwereti cheimba (uye usina kubhadhara mari yeimba), mukweretesi wako anoda kuti iwe utorewo inishuwarenzi yeimba. Izvi zvinovimbisa kuti kana chimwe chinhu chikaitika kumba, ichavakwazve uye mari yavo (pamwe neyako) ichaponeswa. Tenga zvakatenderedza: Mari yeinishuwarenzi yepamba inogona kusiyana nemupi uye sevhisi.
Ndabhadhara chikwereti changu, ndingawana gwaro here?
Wanga uchiziva here kuti pane musiyano pakati pemukweretesi wako nemushandi wako? Mukweretesi ndiyo kambani yaunokweretesa mari, kazhinji bhangi, mubatanidzwa wechikwereti, kana kambani yekubhadhara. Ukawana chikwereti cheimba, unosaina kondirakiti uye unobvuma kubhadhara mukweretesi.
Administrator ndiyo kambani inobata manejimendi ezuva nezuva eakaundi yako. Dzimwe nguva mukweretesi ndiyewo mushandiri. Asi kazhinji, mukweretesi anoronga kuti imwe kambani iite semushandi. Izvo zvakakosha kuti uzive yako mortgage servicer nekuti ndiyo kambani iyo
Kazhinji, maneja anofanira kukwereta mubhadharo kuaccount yako pazuva raunoigamuchira. Nenzira iyo, hauzofaniri kubhadhara mari yekuwedzera, uye kubhadhara hakuzooneki kunonoke kune mukweretesi. Kunonoka kubhadhara kunoratidza parepoti yako yechikwereti uye kunogona kukanganisa kugona kwako kuwana kiredhiti mune ramangwana. Kunyanya kunonoka kubhadhara kunogona kutungamira kune default uye kuvharirwa.
Ongorora mavara ese, maemail, uye zvirevo paunozvigamuchira kubva kune yako yekubhadhara sevhisi. Ita shuwa kuti zvinyorwa zvako zvinoenderana neako. Vazhinji vatariri (kunze kwevadiki) vanosungirwa kukupa kabhuku kekuponi (kazhinji gore rega rega) kana chirevo chega chega chekubhadhara (kazhinji mwedzi wega wega). Vashandi vanofanira kutumira zvinyorwa zvenguva nenguva kune vose vanokwereta vane zvikwereti zvakasiyana-siyana, kunyange vakasarudza kuvatumira mabhuku ekuponi.
