Kutheni Ufuna Ukuba Matyala?
Ngaphambi kokuba ubeke umgomo ongenatyala, yenza ixesha ukuqonda izizathu ofuna ukuphuma kwetyala. Yintoni oyishukumisayo? Yintoni ofuna ukuyifeza ngokuphuma kwetyala ?
Awufuni ukuhlawulwa nabani na ongekho ubhondi, kodwa kutheni ungafuni ukufumana imali kumntu. Ngaba ukubeka ubunzima kwiimali zakho? Ingaba kukugcina ekufikeleleni ekugcineni imali yakho yomhlalaphantsi? Ngokwenene ucinge nzima malunga nokuba kutheni ufuna ukuhlawula ityala lakho.
Emva kokuba ufike ngezizathu zakho zokuhlawula ityala , ubhale phantsi. "Ndifuna ukuhlawulwa ngamatyala ngenxa ..." okanye "Ndifuna ukuhlawulwa ngetyala ukuze ndikwazi ..." Faka uluhlu lwakho lwezizathu kwindawo oza kuyibona ngayo yonke ixesha. Oku kuya kukunceda uhlale ushukumisekile nangona uvakalelwa ukuyeka. Ibeka umgomo wakho ekupheleni phambi kobuso bakho.
Yintoni Ongayenza Ukuba YiNtlawulo Yamatyala?
Ukufikelela kweenjongo zakho ezingenasikweletu kuzo zonke. Iingxelo ziza kwigama lakho. Amatyala akwi-credit report yakho. Ukulahla ityala lakho lihla kuwe.
Xa kuziwa ekuphumeni kwetyala, impendulo (ebonakalayo) elula kakhulu ukuyihlawula. Kodwa, unokuqwalasela ezinye iindlela, njengokuba ubhalisa kumcebisi wesikweletu somthengi , ukulungelelanisa nabaniki bekhadi lakho lokuthenga ngetyala , okanye udibanise i-bankruptcy .
Oku akunokuba yiyona nto ingcono kakhulu kwaye kukho nokuba nokunye ukuphazamiseka kwindlela nganye, kodwa bonke bafanele ukucingisisa.
Mbonise ukuba ungakanani ukuhlawula ukuhlawula ityala lakho ngenyanga. Oku kungadinga ukuba ubuye ubuye kwiindawo ezithile zobomi bakho. Kusenokwenzeka ukuba usebenze iiyure ezongezelelweyo.
Mhlawumbi unomdla wokuzonwabisa ungenza imali ukusuka kwicala. Kukho ezininzi zokukhetha, kodwa kuya kuwe ukuba uhlolisise kwaye wenze ukuba kwenzeke.
Xa usenza isigqibo sokuba uza kwenza ntoni ukuba ube ngetyala elingenanto, bhala phantsi kwelinye iposi. "Ndiya kwenza ____ ukuba ube ngetyala."
Ufuna Ukuba NamaTyala?
Isixa sexesha elikuthathayo ukuba ube yi-free free debt lihambelana ngqo nomlinganiselo wemali ongayifaka kwiimali zakho. Okungaphezulu kwakho ukuhlawula, ngokukhawuleza ukuba ungahlawulwa kwetyala.
Yilapho ukuqiqa ngokucacileyo kuya kudlalwa ngenxa yokuba umzuzu ongenakwenzekayo onzima ukuwuhlangabeza, unokukubulala isicwangciso sakho esingenasikhulu, ulahleke udidekile kwaye ungafuni ukuzama kwakhona.
Injongo engabonakaliyo : Ukuhlawula i-$ 15K kwiitaliti yamatyala ekhredithi ngonyaka ongu-50K / umvuzo weminyaka kunye ne-$ 1100 yokuboleka imali. Ukuba unako ukulawula ukuhlawula i-$ 2,700 kwikhadi lakho lekhredithi inyanga nganye, unokukwenza ukuba kwenzeke.
Injongo engqinisisekileyo : Ukuhlawula i-15K yeekhredithi kwikharityhulam yamatyala kwiminyaka emithathu ngokusika kwaye wenze imali yokuhlawulwa yenyanga ngenyanga. Oku kuya kufinyeleleka ngakumbi.
Kukho amaninzi amanqaku okubala ahlawulwe kwi-intanethi anokuxelela ukuba ixesha eliza kuthatha ukuhlawula ityala lakho ngokusekelwe kumyinge wemali onako ukuhlawula. Ezinye zazo zize zivumele ukuba ungene ematyala amaninzi.
Okanye, ungayiphambukisa kwaye ubone ukuba yiyiphi inkokhelo yenyanga eya kuthatha ukuphuma kwetyala ngexesha elithile.
Musa ukulindela ukuba ube yiNtlawulo yamaTyala
Ukuhlawula ityala lakho akukaze kube lula nje. Kungathatha iminyaka emininzi ukuhlawula ityala lakho. Yazi ukuba phambili kwaye akuyi kuntshatyalaza xa ufaka umvuzo wakho wesibini kunye nesithathu.
Hlalani nishukunyiswa ngokugcina i-matyala enkxaso-mboleko yakho ibhala ngokukhawuleza kwaye phambi kobuso bakho. Khangela ityala lakho inkqubela phambili. Hlaziya izilinganiso zakho, umrhumo ohlawulwa kwangoku, kunye nemali eseleyo kuze kube yilapho ubhalelwa. Ukubona inkqubela yakho iya kukugcina ungacingi ukuba awufumani ndawo.