Momwe mungakwezere ngongole yanu mwachangu? Mukudziwa kale kuti kuchuluka kwanu kwa ngongole kumatha kukhudza moyo wanu m'njira zambiri.
Ngakhale kuchuluka kwa ngongole kumatha kukuthandizani kuti mukhale ndi chiwongola dzanja chotsika pamakadi anu a kirediti, ngongole zanyumba, ngongole zaophunzira pawokha, ndi ngongole zamagalimoto (pakati pa maubwino ena), ngongole zoyipa nthawi zambiri zimamasulira mitengo yotsika. Chiwongola dzanja chambiri komanso ngongole yotsika mtengo.
Ngati mulibe ngongole yocheperako, mwina mungakhale mukuganiza ngati pali njira yowonjezerera msanga. Ngakhale sizovuta, ndizotheka kusintha mwachangu ngongole yanu ya miyezi ingapo.
Apa tifufuza kuti ngongole ndi chiyani, ndi zinthu ziti zomwe zimakhudza kuchuluka kwanu, ndikufotokozera zomwe mungachite kuti mukonze ngongole yanu mwachangu.
Kodi mbiri ya ngongole ndi yotani?
Ngongole yanu ndi manambala atatu omwe obwereketsa amagwiritsa ntchito kuti adziwe za chiwopsezo chanu monga wobwereka.
Zabwino kapena ayi, kuchuluka kwanu kwa ngongole kumawerengedwa kuti kumayimira thanzi lanu lazachuma. Mukakweza ngongole zanu zambiri, mumadziona kuti ndinu oopsa kwambiri ndipo mumavomerezedwa kuti mukalandire ngongole kapena kulipiritsa chiwongola dzanja chochepa. Kutsitsa kwanu ngongole, ndiye kuti muli pachiwopsezo chachikulu ndipo simukuyenera kuvomerezedwa ndi ngongole. Pa ngongole zomwe mumavomerezedwa, mutha kuyembekeza kulipira chiwongola dzanja chachikulu poyerekeza ndi omwe ali ndi ngongole zambiri.
Iliyonse mwamaofesi atatu akuluakulu a ngongole ( Wodziwa bwino , Kusintha ndipo Equifax ) imagwiritsa ntchito njira yakeyake yoyeserera kuti awerengere kuchuluka kwa ngongole za munthu, koma zina mwazinthu zofunika kwambiri ndi izi:
Mbiri yakulipira
Mbiri yanu yakulipira ngongole zanu munthawi yake - Mbiri yanu yolipira imalemba pafupifupi 35 peresenti ya ngongole zanu zonse, ndikupangitsa kukhala chimodzi mwazinthu zofunika kwambiri.
Mulingo wogwiritsa ntchito ngongole
Izi zikutanthauza kuchuluka kwa ngongole zomwe mudagwiritsa ntchito, ndipo zikuyimira 30 peresenti yazambiri zanu. Maofesi a ngongole amakumbukira momwe mumagwiritsira ntchito ndalama zonse, komanso momwe makhadi anu ogwiritsira ntchito amagwiritsidwira ntchito.
mbiri ya ngongole
Zaka zapakati pazamaakaunti anu onse, zomwe zikuyimira 15% ya ngongole zanu.
Kusakaniza ngongole
Kusakanikirana kwamtundu wa ngongole zomwe muli nazo (ngongole zazing'ono monga ngongole zaophunzira motsutsana ndi ma kirediti kadi omwe ali ngati ma kirediti kadi) zimawerengera gawo la 10 peresenti yanu.
Ntchito zatsopano za ngongole
Mfundo yakuti posachedwapa mwalembapo ngongole ya ngongole (kapena mizere ingapo ya ngongole) mkati kanthawi kochepa ikuimira 10% yomaliza ya ngongole yanu.
Nchiyani chingayambitse kuchuluka kwa ngongole yanu?
Pali zinthu zambiri zomwe zitha kupangitsa kuti ngongole yanu ingochoka. Ngati mukuganiza kuti ngongole yanu yangongole ndiyabwino kenako ndikuyang'ana ndikuwona kuti ndiotsika poyerekeza ndi momwe mumaganizira, ganizirani izi:
- Munaphonya kulipira kapena munalipira ngongole mochedwa.
- Mudagula kwambiri ndi kirediti kadi yanu, ndikuwonjezera kuchuluka kwamagwiritsidwe anu.
- Mwavutika ndi bankirapuse, kuwomboledwa, kapena kuwonongeka kwa ngongole yanu.
- Mwatseka akaunti ya kirediti kadi.
- Mudangoyitanitsa kumene mayendedwe angapo angongole.
Njira 7 zokweza ngongole yanu mwachangu
Monga tafotokozera pamwambapa, kusapeza bwino ngongole kumatha kukhala ndi vuto lalikulu pachuma chanu. Chikhumbo chopewa zotulukapo zotere nthawi zambiri chimakhala chifukwa chokwanira kuti munthu azigwira ntchito kuti akonze ndikuwongolera zomwe akuchita.
Komabe, pali zifukwa zingapo zomwe wina angafunire kukweza ngongole zawo mwachangu momwe angathere. Ngakhale siliri mndandanda wathunthu, zina mwazifukwazi ndi monga:
- Mukuyitanitsa ngongole yanyumba, galimoto, kirediti kadi, kapena ngongole ina iliyonse. Ndipo mukufuna a.) Onjezerani mwayi wanu wovomerezedwa, ndipo b.) Muyenerere kupeza chiwongola dzanja chochepa.
- Mukufuna kuyambiranso ngongole yanyumba yomwe ilipo kale, ngongole yaophunzira, kapena ngongole zina. Ndipo mukufuna kukonza mapikidwe anu kuti muthe kulandira chiwongola dzanja chatsopano.
- Mwalembapo kale kuti mwalandiridwa ngongole . Ndipo mukufuna kukonza ngongole zanu kuti muwonjezere mwayi wanu wovomerezedwa mtsogolo.
- Mukungofuna kulimbikitsidwa kwamaganizidwe. Izi zitha kubwera ndikukulitsa ngongole yanu yangongole kuchokera Posauka kupita Pabwino mpaka Zabwino kapena kupitilira apo.
Momwe Mungakulitsire Ngongole Zanu Mwachangu
Njira yotsimikizika yokwaniritsira ngongole yanu ndikugwiritsa ntchito ngongole mosamala ndikuwongolera ngongole zanu ndi zomwe mukuyenera kuchita kwa nthawi yayitali. Mwa kuchitapo kanthu monga kusasokoneza makhadi anu a ngongole, ndikulipirani munthawi yake aliyense Kamodzi, ndikusunga maakaunti anu akale ndi ngongole zanu, pang'onopang'ono mudzasintha ngongole yanu pa miyezi ingapo ndi zaka.
Ndizinenedwa kuti, ngati muli ndi nthawi yomwe mukufuna kuti mukwaniritse ndipo mukufuna kukweza mphotho yanu mwachangu, pali njira zingapo zomwe mungathere kuti mukwaniritse.
1. Fufuzani malipoti anu a ngongole ngati munalakwitsa
Ngati mukufuna kukonza ngongole yanu, ndibwino kuyamba kumvetsetsa zomwe zili pa malipoti anu angongole.
Mwalamulo, muli ndi ufulu wolandila lipoti laulere kuchokera kumaofesi akuluakulu atatu amisonkho kamodzi pamiyezi 12. (Mutha kufunsa malipoti anu aulere kwa ChakaManga.cnChamunda.ga , kuphatikiza pamawebusayiti monga NgongoleKarma ndipo Mawu Othandizira ). Chifukwa chakuti zidziwitso zomwe zapezeka mu iliyonse ya malipoti atha kukhala osiyana, ndizomveka kufunsa lipoti kuchokera kwa aliyense wa iwo, osati m'modzi yekha.
Mukawona zolakwika zilizonse mu malipoti anu pomwe mukuziwerenga, mutha kukangana nawo ndikupempha kuti zolakwika zichotsedwe mu lipoti lanu. Chifukwa maofesi a ngongole amafunika kuyankha pamkangano uliwonse m'masiku 30, zabwino zothetsera zolakwika zilizonse zimatha kumveka mwachangu. Malinga ndi Bungwe la Federal Trade Commission (FTC) , yawo mawu achingerezi mu Chingerezi) .
Mukamaliza zolakwika zilizonse mu lipoti lanu la ngongole, onetsetsani kuti mumayang'anitsitsa malipoti anu pachaka kuti muzindikire ndikupewa zolakwika zina mtsogolo. Kodi zolakwika za lipoti la ngongole ndizofala motani? Lipoti lomwelo la FTC likuyerekeza kuti mpaka 5% ya malipoti onse okhala ndi ngongole ali ndi zolakwika zomwe ndizokulu zedi zomwe zitha kuwononga ndalama.
2. Pezani (ndikukhalabe) pamalipiro
Mbiri yanu yolipira imayimira kuchuluka kwanu kwamakongoletsedwe ambiri kuposa china chilichonse. Malipiro omwe sanaphonye nthawi zambiri amakhala pa lipoti lanu la ngongole kwazaka zisanu ndi ziwiri, zomwe zikutanthauza kuti atha kukhala ndi gawo lokhalitsa pakulandila kwanu ngongole. Ichi ndichifukwa chake ndikofunikira kuti mukhalebe pamwamba pazomwe mumalipira ndipo musaphonye kulipira kapena kubweza mochedwa.
Mukawona kuti mwaphonya kulipira, pakhoza kukhala njira zomwe mungachite kuti muchepetse (komanso mwina kubweza) zowonongekazo, makamaka ngati zolipiritsa sizinafike masiku 30. Itanani ngongole yanu mwachindunji ndikukonzekera kuti mudzalipire. Ngati anenapo kale zaumbanda wanuwo, muli nawo pafoni, muyenera kufunsa ngati angawabwezeretse. Pomwe ena obwereketsa sadzachotsa malipoti akalakwitsa akangopangidwa, ena atero, makamaka ngati ili ndi vuto lanu loyamba kapena ngati muli ndi mbiri yayikulu ndi kampaniyo.
Kulembetsa kuti muzilipira zokha ngati zingatheke (ngongole yanyumba, ngongole za ophunzira, zofunikira) zitha kukuthandizani kuti mupewe kuwonongeka kwamaphunziro anu kuchokera pakulipilira mochedwa kapena mochedwa, ngakhale zomwe zikuchitikazo sizingakhudze kuchuluka kwanu.
3. Lipirani ndalama zomwe muli nazo kale za kirediti kadi
Monga tafotokozera pamwambapa, kugwiritsa ntchito kwanu ngongole, kugwiritsa ntchito kwathunthu komanso kugwiritsa ntchito khadi ndi khadi, ndichinthu china chofunikira kwambiri chomwe chimakhudza kuchuluka kwanu kwa ngongole. Nthawi zambiri, tikulimbikitsidwa kuti muyesetse kuti ngongole zanu zizigwiritsidwa ntchito pa 30 peresenti kapena zochepa kuti mupewe zovuta pazambiri zanu, ndipo ayi muyenera kukulitsa khadi.
Ngati muli ndi chiwongola dzanja chokwanira, ndibwino kukhazikitsa dongosolo lolipira zochulukirapo pamiyeso yanu. Ngati muli ndi ndalama zowonjezera mu bajeti yanu, kuigwiritsa ntchito kulipira ngongole yanu ya kirediti kadi ikhoza kukhala njira yothandiza kwambiri yopititsira patsogolo kuchuluka kwanu. Ndipo mosakayikira mudzawona zotsatirazi mwachangu, popeza omwe amapereka ngongole zambiri amapita kumaofesi a ngongole mwezi uliwonse. Mukamachepetsa momwe mungagwiritsire ntchito ngongole yanu, zimakhudzanso momwe mumamvera.
Ngati muli ndi ma kirediti kadi angapo, yambani kulipira ndalama zomwe zili pamakadi ndizomwe zimagwiritsidwa ntchito kwambiri (ndiye kuti, khadi yomwe ili pafupi kwambiri kuti mufikire ngongole yanu).
Mukamaliza kubweza ndalama zanu, yesetsani kuti musatseke maakaunti anu akale pokhapokha ngati kungafunikire, chifukwa kutseka maakaunti akale (makamaka maakaunti akutali ndi zolipirira nthawi) kumatha kusokoneza mbiri yanu pochepetsa mbiri yanu yobweza ngongole. .
4. Ganizirani za kuphatikiza ngongole
Njira ina yomwe mungachepetsere kuchuluka kwa momwe mungagwiritsire ntchito ngongole yanu ndikuphatikiza ngongole yanu ya kirediti kadi ndi ngongole yanu.
Izi zitha kupindulitsa mphotho yanu m'njira ziwiri. Choyamba, isintha ngongole yanu yomwe ikuzungulira (ndiye kuti, ngongole yanu ya kirediti kadi) kukhala ngongole yakanthawi, yomwe maofesi a ngongole amawawonera bwino. Chachiwiri, zingachepetse kugwiritsa ntchito kwanu ngongole pangongole yanu. Ndipo, monga bonasi, ngongole zambiri zimakhala ndi chiwongola dzanja chocheperako poyerekeza ndi makhadi a kirediti, zomwe zingakuthandizeni kulipira ngongole yanu mosavuta komanso mwachangu pakapita nthawi.
5. Onjezerani ngongole zanu
Ngati simungathe kulipira ngongole yanu ya ngongole ndipo simukufuna ngongole yanu, pali njira yachitatu yochepetsera kugwiritsa ntchito kwanu ngongole: pemphani kuti chiwonjezere ngongole yanu.
Chifukwa izi ziwonjezera kuchuluka kwa ngongole zomwe muli nazo mukusunga zomwe muli nazo, kugwiritsa ntchito kwanu ngongole kumachepa nthawi yomweyo bola osalipira khadi yanu. Zomwe mukufunikira ndikuimbira foni yemwe amakupatsani ma kirediti kadi ndikufunsani ngati zingatheke kuwonjezera malire anu. (Muthanso kufunsa zakuchulukitsa pa intaneti kudzera pa tsamba lanu la obwereketsa.)
Kuchuluka kwa chiwongola dzanja chanu kungakhudze kuchuluka kwanu kwa ngongole kumadalira pazinthu zingapo, kuphatikiza kukula kwake ndi kuchuluka kwa ngongole yomwe muli nayo kale pa khadi yanu. Mwachitsanzo:
- Ngati muli ndi kirediti kadi yokhala ndi malire a $ 250 ndipo muli ndi $ 150, ndiye kuti muli ndi 60% yogwiritsira ntchito ngongole. Ngati kampani yanu yama kirediti kadi ikuchulukitsirani $ 250, ndalama zanu zatsopano zikhala $ 500. Izi zitha kuchepetsa kugwiritsidwa ntchito kwanu pangongole ndi 30%.
- Kumbali inayi, ngati muli ndi kirediti kadi yomwe ili ndi malire a $ 10,000 ndipo muli ndi $ 7,000, ndiye kuti muli ndi 70% yogwiritsira ntchito ngongole. Ngati kampani yanu yama kirediti kadi ikuchulukitsani malire ndi $ 2,500, ndalama zanu zatsopano zimakhala $ 12,500. Izi zitha kuchepetsa kuchuluka kwa magwiritsidwe anu mpaka 56 peresenti, zomwe zili bwino kuposa momwe zinalili, komabe ndizokwera kuposa 30%.
6. Pezani ngongole pazolipira
Kumayambiriro kwa 2019, Experian adakhazikitsa nsembe yatsopano yotchedwa Zowonjezera Zowonjezera , yokonzedwa kuti ipatse anthu achidwi njira yopezera ziwongola dzanja zawo mwachangu.
Umu ndi momwe Experian Boost imagwirira ntchito: munthu ayenera kusankha kutenga nawo mbali pulogalamuyi, pomwe adzafunika kulumikiza zomwe amafufuza ndi fayilo yawo yangongole. Izi zimulola Experian kuti ayang'ane miyezi 24 kuti apange mbiri yazamalipiro anu. (Zachidziwikire, izi zimangogwira ntchito ngati mutapereka ndalama zanu muakaunti yanu yoyang'ana.) Pogwiritsa ntchito izi, Experian ipangitsa kuti ngongole zanu zandalama zizikulimbikitsani. Nthawi zambiri, mbiri yakale yolipirira yomwe Mungapeze kudzera m'mbiri yanu yakubanki, imakulimbikitsani kwambiri.
Experian Boost itha kukhala yothandiza makamaka kwa iwo omwe ali ndi mbiri yaying'ono kapena opanda mbiri ya ngongole, kapena kwa iwo omwe atsala pang'ono kukhala ndi ngongole zambiri. Mutha kuyembekezera kuwona mphotho yanu yatsopano mukamaliza kusanthula.
7. Khalani wogwiritsa ntchito movomerezeka pamaakaunti a wina
A wogwiritsa ntchito ovomerezeka ndi mawu omwe amatanthauza munthu amene wapatsidwa chilolezo chogwiritsa ntchito kirediti kadi ya wina. Mwachitsanzo, achinyamata, nthawi zambiri amawonjezeredwa kuti azigwiritsa ntchito makhadi a makolo awo kuti awathandize kupanga ngongole.
Kodi mumadziwa wina yemwe ali ndi mbiri yabwino ya ngongole, ndalama zochepa zogwiritsira ntchito ngongole, ndipo ndani amene amakukhulupirirani mokwanira kuti akuwonetseni ngati wovomerezeka mumaakaunti awo? Ngati ndi choncho, kukhala wogwiritsa ntchito ovomerezeka pa akauntiyi ikhoza kukhala njira ina yowonjezera ngongole yanu yangongole mwachangu. Izi ndichifukwa choti zisonyezo zonse zabwino za ena, makamaka momwe amagwiritsidwira ntchito komanso mbiri yakulipira, ziziwonjezedwa ku lipoti lanu la ngongole, komwe lingakuthandizeni kutsitsa mitengo yonse yogwiritsira ntchito ngongole.
Tsoka ilo, pali zoopsa zomwe zimachitika chifukwa chogwiritsa ntchito pa akaunti ya wina. Ngati munthu ameneyo sanaphonyepo ndalama kapena achulukitsa momwe mumagwiritsira ntchito ngongole (motero kugwiritsa ntchito kwanu ngongole), zotsatirapo zake zingakupatseni inunso. Ichi ndichifukwa chake ndikofunikira kuti mulingalire zabwino ndi zoyipa musanalumikizane ndi ngongole yanu ya ngongole ndi wina.
Nkhaniyi yagawidwa kuti ipangitse maphunziro okha ndipo sayenera kutengedwa kuti ndiupangiri waukadaulo, malingaliro kapena chinthu chogulitsa. Zomwe zili mchikalatachi zidachokera kuzinthu zomwe amakhulupirira kuti ndizodalirika, koma sizotsimikizika.
Zamkatimu
- Kodi mbiri ya ngongole ndi yotani?
- Mbiri yakulipira
- Mulingo wogwiritsa ntchito ngongole
- mbiri ya ngongole
- Kusakaniza ngongole
- Ntchito zatsopano za ngongole
- Nchiyani chingayambitse kuchuluka kwa ngongole yanu?
- Njira 7 zokweza ngongole yanu mwachangu
- Momwe Mungakulitsire Ngongole Zanu Mwachangu
- 1. Fufuzani malipoti anu a ngongole ngati munalakwitsa
- 2. Pezani (ndikukhalabe) pamalipiro
- 3. Lipirani ndalama zomwe muli nazo kale za kirediti kadi
- 4. Ganizirani za kuphatikiza ngongole
- 5. Onjezerani ngongole zanu
- 6. Pezani ngongole pazolipira
- 7. Khalani wogwiritsa ntchito movomerezeka pamaakaunti a wina
- Kodi mungapeze bwanji ndalama kuchokera ku kirediti kadi?
- Momwe mungayang'anire ngongole yanga kwaulere
- Kodi chimachitika ndi chiyani ndikapanda kulipira kirediti kadi yanga?
- Momwe mungagulire galimoto popanda ngongole
- Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
- Kodi ndalama zothandizira magalimoto zimagwira ntchito bwanji?