Musa ukugcoba kwiTyala leTyala leKhadi. Landela le nyathelo namhlanje.
Akumangalisi ukuba ukuphuma kwetyala kubonakala kunzima.
Ngethamsanqa, unokuphuma ngaphandle kwetyala. Ukuba ulandela amanyathelo ambalwa asemgangathweni kwaye ubeke isicwangciso endaweni, unokusebenza ukuhlawula ityala lakho kungekudala, unomdla ongaphantsi kwaye uphucule amanqaku akho kwirejista kwinkqubo.
1. Okokuqala, dwelisa ngamnye kumakhadi wakho ekwereta. Uya kufuna ukufaka ibhalansi ephumayo, inzala , kunye nentlawulo encinci . Le ngcaciso ingafumaneka kalula kwi-statement yakho yokugqibela yenyanga.
2. Hlela amakhadi kwoluhlu ukwenzela ukuba ikhadi lekhredithi elinomyinge ophezulu unomdla, kwaye ophantsi kakhulu usezantsi.
3. Yonke ixabiso lentlawulo. Ingqikithi yenyanga yenyanga iyonke inkokhelo yenyanga ephantsi kakhulu, kodwa khumbula, sifuna ukuhlawula ngaphezu kokuncinci ukuze ubuyisele ngokukhawuleza ityala. Ngoko, jonga uhlahlo lwabiwo-mali kwaye ubone ukuba ungaphinda ufumane enye inyanga ngenyanga ngaphezu kokuncinci. Ingaba i $ 20 ngaphezulu ngenyanga okanye i-$ 100, yonke inqaku linceda.
4. Njengoko iintlawulo zakho zihlawulwa, hlawula ubuncinci kwikhadi ngalinye ngaphandle kwelinye phezulu kwoluhlu lwakho. Khumbula, lowo unomyinge omkhulu wenzalo kwaye kukubiza imali eninzi ngokugcina imali. Ngoko nayiphi na eyongezelelweyo imali oye uhlahlowe kwisinyathelo esedlule, sisebenzise loo khadi.
5. Qhubekisa le nkqubo kude kubekho ikhadi lokuqala elihlawulwayo. Xa lelo khadi lihlawulwa, qhubeka kunye neentlawulo ezincinci kwamanye amakhadi, kodwa ngoku thabatha imali oye uyihlawula kwikhadi lokuqala ngokungekho kwinkokhelo encinci kwaye uyifake kwikhadi lesibini kuloluhlu lwakho.
6. Phinda le nkqubo ide ihlawulwe onke amakhadi.
Kutheni le Misebenzi isebenza
Ukuqonda ukuba kutheni inqubo elula kubalulekile kubalulekile ukuba uqonde ukuba ubuncinane beentlawulo zisebenza njani. Iintlawulo ezincinci zibalwa njengepesenti yemali ebhalisiweyo . Oko kuthetha ukuba ukulingana kwamakhadi akho kuyahla, ngokunjalo inkokhelo yakho encinci. Yingakho kungathatha iminyaka elishumi okanye ngaphezulu ukuhlawula imali encinci ukuba uyenzela kuphela inkokhelo encinane ngenyanga.
Ngalo mgaqo, intlawulo yakho yenyanga ihlala ihlala ingakhathaliseki ibhalansi yakho. Ngoko inyanga nganye inkokhelo yakho encinci efunekayo ingahla, kodwa uyayihoxisa loo nto kwaye ngokwenza njalo usebenzise imali ethe xaxa kwinqununu yakho njengoko ixesha liqhubeka, ngokukhawulezisa ukuhlawulwa kwetyala lakho.
Ukuqala ngezinga eliphezulu lezala kukuqinisekisa ukuba ujolise inkokhelo ephezulu yerhafu ekunciphiseni umyinge wenzala ohlawulayo.
Iingcebiso ezininzi
Nangona esi sicwangciso sokuhlawula sinokukunceda ukuba uphume kwetyala, unako ukwenza izinto zihambe ngokukhawuleza kunye nezinye iingcebiso.
Okokuqala, fowuna inkampani yakho yekhadi lesikweletu kwaye ubuze malunga nokunciphisa izinga lakho. Oku akuyi kusebenza rhoqo, kodwa ukuba ube nexesha kunye neentlawulo zakho kunye neempendulo zemali ezifanelekileyo, banokukulungela ukusebenza nawe. Akunakwenzakalisa ukuzama kwaye akukho nto ibiza. Into eyona nto engayenzayo kukuba ayikho.
Musa ukulibala malunga nokudluliselwa kwemali . Kwakhona, akulula ngaso sonke isikhathi ukufumana iitaliti kunye nokuthengiswa kwemali ekungabikho nto, kodwa ukuba ungayifumana indlela yokudlulisela ibhalansi ukusuka kwikhasi ene-25% ye-APR ukuya ekhadini nge-APR ye-18% oko kusekhona into. Kukho iindawo ezizodwa ezi-0% ezinikezelwayo, kodwa kunzima ukuza kule mihla kunye nemali efihliweyo ingaba ngaphezu kweenzuzo.
Ekugqibeleni, khumbula ukuba le nkqubo isathatha ixesha. Ayikho indlela yemilingo yokuhlawula ityala, ngoko uqaphele ukuba kuya kuthatha inyanga okanye neminyaka embalwa ukuba ibe yinto engenasikweletu ngokupheleleyo.
Kodwa oko senzayo kukubeka inkqubo ekuqinisekiseni ukuba unokuphuma ngaphandle kwetyala ngokukhawuleza. Unako ukukhawulezisa inkqubo xa uqhubeka uhlawula imali eninzi kwi-matyala akho njengoko uhlahlo lwabiwo-mali luvumela.