Zomwe Ngongole Yanu Ikunena Zokhudza Ubale Wanu

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Ngongole yanu imatha kuneneratu momwe mumayendetsera bwino ndalama, momwe mungasinthire ngongole, kapena ngakhale chitetezo chachuma chanu - koma tsopano mutha kuwonjezera wolosera wina pamndandandawu: momwe mungapezere chikondi chosatha. Inde, ngongole zanu zangongole zitha kukhala chimodzi mwazinthu zolosera kwambiri za ubale wabwino, malinga ndi kafukufuku watsopano wopangidwa ndi Federal Reserve.

Ndipo mutha kuyiwala zolakwika zonse za nerdy penny-pincher! Kafukufukuyu adawona kuti kukweza ngongole zanu zambiri, kumathandiza kuti mupeze ubale wotalika chaka chamawa. Kuphatikiza apo, kukweza kwanu kwambiri, chibwenzicho chimakhala chokhazikika, ndikulumpha konse pamilingo 100 kumachepetsa chiopsezo chanu chotsika ndi 37%. Mabanja omwe amasungira pamodzi, amakhala pamodzi-anthu ankakonda kukopeka ndi omwe ali ndi ngongole zofanana ndi zawo, ofufuzawo anapeza. Kumbali ina, anthu omwe ali ndi ziwerengero zotsika kwambiri anali theka la mwayi wopeza ubale ngati omwe ali ndi ziwerengero zapamwamba kwambiri. Ndipo omwe adalemba zigoli zochepa pachibwenzi anali ndi mwayi wopatukana kasanu.

Izi sizodabwitsa monga momwe mungaganizire. Kutsika pang'ono nthawi zambiri kumasonyeza mavuto azachuma ndipo kafukufuku wam'mbuyomu akuwonetsa kuti mavuto azachuma ndi amodzi mwamavuto akulu kwambiri paubwenzi.

Zachidziwikire, kulumikizana kwenikweni apa sikungogawana malipoti anu a FICO komanso botolo la vinyo tsiku lanu loyamba. M'malo mwake, asayansi akuti ndizotheka kuti zomwe zimapangitsa anthu kukhala ndi ndalama zikuwathandizanso kukhala bwino pamaubwenzi. Makhalidwe monga kukhala osamala, kuona mtima, udindo, kuzindikira, ndi kuyang'anira zoopsa zimagwira ntchito mofanana mu mgwirizano wandalama ndi wachikondi.

Kutsimikiza komabe? Pali vuto limodzi lalikulu: Zolemba ngongole sizopezeka pagulu-kotero palibe njira yodziwira nambala ya mnzanu popanda kufunsa molunjika. Ndipo ngakhale kuti mwina si nkhani yongoyamba kumene, akatswiri amanena kuti kukambirana za ndalama mutangoyamba chibwenzi kungachititse kuti chikondi chanu chikhale cholimba. (Nayi chitsogozo chothandiza pa nthawi yoyenera kukambirana za zonse kuphatikiza ndalama-muubwenzi.)

Pakadali pano, aliyense ayenera kudziwa nambala yake. Tithokoze malamulo aposachedwa, mutha kupeza lipoti limodzi laulere pachaka chilichonse ku AnnualCreditReport.com. Ngati mukufuna kuthandizidwa kutsatira zotsatira zanu kapena kukonza mavuto anu pa lipoti lanu, pitani ku MyFico.com.Kuti mupeze mayankho pamafunso anu onse obwereketsa ngongole, onani mafunso a boma omwe.

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