5 amanyathelo alula ongayithabatha ukuze uqale uhambo lwakho lokufumana ityala
Izigidi zabantu baseMelika zizama ukuhlawula amatyala abo. Abaninzi banelungelo lokudibanisa netyala lekhadi lesikweletu , iimali-mboleko zabafundi, iimali-mboleko zemoto, iimali-mboleko ezigqithiseleyo, iimali-mboleko zemali, iimali-mboleko zonyango, kunye nakwezinye iimeko, nokuba zihlawulwe ngetyala.
Ukuba unzima phantsi kobunzima bezo zonke iintlawulo zematyala, nantsi izicwangciso ezimbalwa ezinokukunceda utshabalalise ezi ntlawulo .
1. Yenza uludwe
Hlala phantsi kunye nephepha kunye nephepha uze ubhale uluhlu lwetyala ngalinye onalo. Kuyamangalisa ukuba bangaphi abantu abazange benze oku. Ukuba netyala lakho elibhalwe kwiphepha eliphambi kwakho likuvumela ukuba ubone ngokucacileyo oko ujongene nayo.
Le nto ngokwayo ingaba ngamava ancedo kakhulu. Olu luhlu lwamatyala akho lufanele lubandakanye oku kulandelayo:
- igama lomboleki okanye umboleki
- ibhalansi ekhoyo
- inzala
- iindleko zenyanga zenyanga
2. Sondeza iMali-mboleko leyo yona nto ibangelwa nguMoya okanye i-Psychologically annoying
Oku akufuneki ukuba ityala elinenqanaba eliphezulu lemali, inkokhelo ephezulu yenyanga, okanye ibhalansi ephezulu. Gxininisa kwityala elikukhathazayo kakhulu - eligcina uvuke ebusuku.
Khumbula, oku akudingeki ukuba wenze ingqiqo. Sifuna ityala elikutshintshayo. Gqungqa le nto uze wenze inqaku layo.
3. Beka inkwenkwezi elandelayo emva kweMatyala nge-Balance Extensive Balance
Masithi unamatyala amathathu: ikhadi lekhredithi elinomyinge we-$ 6,000, umboleko wemoto kunye nokulinganisela kwe-$ 15,000, kunye nemboleko yemali ene-$ 20,000 ibhalansi.
Kule meko, umboleko ngemali encinci ibingumvuzo wekhadi. Faka inkwenkwezi kufuphi nale.
4. Faka i-Square elandelayo kwiTyala elineNqanaba leMali eliPhezulu kakhulu
Ukubuyela kumzekelo wangaphambili, masithi ikhadi lakho lesikweletu linomlinganiselo we-teaser we-0% wenzala kwiinyanga eziyi-18 zokuqala. Kule nkalo, uneminyaka eyi-8 kulezi zinyanga ezili-18, ngoko uneenyanga ezili-10 ezishiywe ngaphandle kweerhafu.
Makhe sicinge ngemboleko yemoto yakho inomyinge we-6% kwaye umboleko wakho wemfundo unomyinge we-7%. Kule meko, umboleko wakho omkhulu wemali uza kuba ngumboleko wesikolo. Ngokukodwa, le mboleko kunye nebhanki enkulu kumzekelo wethu.
5. Yisikhathi sokuba wenze isigqibo
Yiyiphi yale mboleko oya kubeka phambili ukuhlawula kuqala ? Akuyi kuyenza into enhle ukugcina isamba semali eyongezelelweyo kwaye uyisebenzise ngokufanayo nakwimali yakho yonke. Ukwenza njalo kuya kwenza ukuba wenze inkqubela encinci, kwaye loo nto inokuvakalelwa.
Kunoko, gxininisa kwityala ovuyayo kakhulu ukuhlawula. Ngaba ufuna ukuhlawula imali mboleko kunye nenani lentengo ephezulu yokugcina imali kwiintlawulo zenzalo? Ngaba ufuna ukuyibuyisela enye kwibhalansi encinci ngenxa yokuba unokususa loo nto kwi-list yakho ngokukhawuleza? Okanye ngaba unokubuyisela into ecasulayo?
Akukho mpendulo echanekileyo okanye engalunganga. Khetha yonke into evakalelwa ngayo.