Xa umboleki-mboleko ejongene neengxelo zakho zemali-mboleko ukuze abone iindidi zeakhawunti onayo, ziza kujonga ezinye iitalato ezilungileyo kunabanye. Ukuba ugxininise ekuphumeni kwetyala , kufuneka uqale ukuqonda ukuba zeziphi iindleko ezibhekwa njengezimbi kwaye zibhekwa zilungileyo.
Ngaloo ndlela, unako ukubeka phambili izikweletu zakho ukuze ulahlekise okokuqala kuqala.
Liliphi ityala elihle?
Ezinye zetyala lakho zingathathwa njengotyalo-mali. Cinga mhlawumbi ucinga ukuba, "Yintoni na into engalunganga njengetyala ukuba ithathelwe ingqalelo njengotyalo-mali!" Ukuba uthathe ityala lokuthenga into eya kunyuka kwixabiso kwaye inokubangela inxaxheba kwimpilo yakho yonke yemali, oko kwenzeka ukuba ityala elungileyo.
Ngokomzekelo, ukuthengwa kwekhaya kunokubhekwa njengetyala elihle. Ekubeni amakhaya ahlala exabisa ngokuxabisekileyo, imali ebolekwa ngemali oyithathayo ukuyihlawula ikhaya iyinzala-mali. Omnye umzekelo wetyala elihle ngumboleko wesikolo owenziwe ukuxhasa ngemfundo yekholeji. Ukufumana isicatshulwa sekholeji kuthetha ukuba uza kwenza imali engakumbi ngexesha lokuphila kwakho.
Liliphi ityala elibi?
Xa usebenzisa ityala ukuxhasa izinto ezingadliwa, uthatha ityala elibi . Olu luhlobo lwetyala elidala imeko engempilo.
Ityala lekhadi lokuthenga ngetyala lidlalwa njengetyala elibi ngenxa yemeko yezinto ezithengwa ngamakhadi-mboleko. Akufanele usebenzise ityala ukuthenga izinto zansuku zonke njengezambatho okanye ukutya. Ukuba usebenzisa ikhadi lokuthenga ngetyala ngeentlobo zentengo, kufuneka kube ngumnqophiso, umz. Ulawulo olungcono lwezemali okanye ukufumana umvuzo , kufuneka uhlawule ibhalansi ngokupheleleyo ngenyanga.
Nangona ityala elisetyenziselwa ukuhlawula ikhefu liyilo elibi. Nangona kunokukunceda uzive ungcono kwaye uphumelele xa uphinda ubuya, ikhefu ayiyixabiseli ngexabiso. Ungayisebenzisi ityala lokuhlawula ikhefu kwaye ingakumbi ukuyisebenzisela ukuhlawula ikhefu ongenakukwazi ukufumana.
Ukwenza ukhetho olufanelekileyo ngetyala lakho
Ityala elifanelekileyo lifumaneka ngokwenza izigqibo ezilungileyo malunga nekamva lakho, kungekhona ngenjongo yodwa yokuba netyala elihle. Ngokomzekelo, unokwenza isigqibo sokufumana i-Master degree ukuze ukwandise amandla akho okufumana. Ukuthatha imali mboleko yomfundi, ukuba awukho enye indlela yokuxhasa ngemali imfundo yakho, isizathu esifanelekileyo sokuthatha ityala elongezelelweyo.
Masithi uhlalutya umfanekiso wakho wezezimali, uzama ukugqiba indlela yokuhlawula amatyala akho. Ngokuqhelekileyo iinjongo ezilungileyo kugxininisa ekuhlawuleni iimali zakho ezimbi kuqala. Ekubeni benganikeli nantoni, baxabisa kakhulu kunamatyala enu. Kufuneka uhlawule amakhadi enkredithi kunye nemali-mboleko yemali phambi kokujongana nemali-mboleko okanye i-mboleko yomfundi.
Abanye abantu bacinga ukusebenzisa ityala elihle ukuhlawula ityala elibi, njengokufumana imali yokuthenga imali eyi-110 000 kwi-$ 100,000 kwaye usebenzise enye eyongezelelweyo ukuhlawula i-balance balance card. Le nto ayilona nto ingqiqo yezizathu ezininzi.
Okokuqala, ukuhlawula amatyala ngamatyala akusoloko kulungile. Okwesibini, iphetha ukuthabatha ixesha elide ukuhlawula imali yokuthenga imali ngaphandle kokuba kungenjalo. Okwesithathu, i-mortgage ephezulu yandisa iintlawulo zakho zenyanga kunye nexesha elithathayo ukwakha ubulungisa ekhaya lakho. Sebenzisa imali ukubuyisela amatyala, kungekho ngaphezulu kwetyala.
Kumele uqaphele ukuba ungathathi malini kakhulu, nokuba ngaba ityala elihle. Ukuba ukhululiwe ngetyala, ke akunandaba nokuba ityala lihle okanye libi, liyakhathaza impilo yakho yezezimali.