Amatyala eTyala lomTala omkhulu

Kutheni Kulunge Ukuhlawula Imali Yamanqaku Ekhredithi Ephezulu

Ukuba unamatyala amaninzi, amathuba ayenomlinganiselo wenzalo ehlukeneyo, amanye aphezulu kunabanye. Kwiplani yesibonelelo sentyala, kukulungele ukuhlawula amakhadi eemboleko ngezinga eliphezulu lemali yokuqala-ukusuka kumbono wezemali ubuncinane.

Iindleko zeNqanaba leMali eliPhakamileyo

Kubiza iindleko ezingaphezulu ukuqhuba ibhalansi kwi -rate-high interest interest card . Kungenxa yokuba ihlawuliso yakho yenyanga yenyanga isekelwe kwisantya sakho senzala kunye ne-balance yakho-ephakamileyo inzala yakho, inkokhelo yakho yemali iya kuphakanyiswa.

Akunjalo kuphela, ukuba uthabathe ixesha elide ukuhlawula ikhadi, imali eninzi iyakubiza ngokuba uhlawula ngaphezulu kwiintlawulo zezimali xa uhlawula ityala ngokukhawuleza. Ukuhlawula ityala le-interest rate eliphezulu kukugcina imali kwaye ngokuqhelekileyo kukuvumela ukuba uhlawule ityala ngokukhawuleza.

Iimali zenzalo zichaphazela njani ukuhlawulwa kwetyala lakho

Nasi umzekelo ukubonisa:

Masithi unamakhadi a matyala amabili.

1. I-Credit Card A ine-3,000 balance balance and 22% inzala.
2. I-Credit Card B ine-1,500 ibhalansi kunye ne-12% yenzala.

Makhe sicinge ukuba unako ukubeka iR $ 150 ekuhlawuleleni le matyala. Uya kuhlawula isamba semali kwiyinye yamatyala kwaye uhlawule ubuncinci kwelinye. (Le yindlela efanelekileyo kakhulu yokuhlawula amakhadi amaninzi ematyala.)

Ukuba uhlawula i-Credit Card yokuqala, uya kuhlawula i-$ 1,283 inzala, kwaye kuya kuthatha iinyanga ezingama-39 ukuba ube netyala elingenanto. Ngakolunye uhlangothi, ukuba uhlawulwe kuqala kwiKhadi leKhadi le-B kuqala, uya kuhlawula i-$ 1,764 inzala, kwaye kuya kuthatha izinyanga ezingama-42 ukuba ube netyala elingenanto.

Ukuhlawula ityala le-interest rate eliphezulu lilondoloza i-$ 481 inzala, kwaye uya kuhlawula ityala ezintathu kwiinyanga ezinokukhawuleza.

Ngaba Unokuhlawula Umlinganiso Omncinane Umsebenzi Wokuqala?

Ukuhlawula umyinge wenqanaba eliphezulu lenzalo kunengqiqo kumbono wezezimali , kodwa loo ndlela ayilungele wonke umntu. U-Dave Ramsey, umgidi-mali-uphumelele-uphendule-millionaire, ubonisa indlela ye- snowball yokuhlawula amatyala amancinci kuqala ngaphandle kokulinganiselwa kwenzala.

Uxela ukuba xa amatyala amancinci ehlawulwa ngokukhawuleza, uhlala ukhuthazwa ukuhlawula ityala elilandelayo kwaye ulandele ude unetyala.

Kuyinyaniso ukuba indlela encinci-ibhalansi yokuqala ikuvumela ukuba uhlawule amatyala ngokukhawuleza ekuqaleni. Kumzekelo wethu ngasentla, phantsi kweyona ndlela ephezulu-inzala-inzala yokuqala, unokuba nekhadi lokuqala elihlawulwe kwiinyanga ezingama-31. Ngaphantsi kweyona ndlela encinci ye-balance method, uza kuba nekhadi lokuqala elihlawulwa kwiinyanga ezili-14. Ukuba ne-akhawunti ehlawulwe ngokupheleleyo yintliziyo enkulu. Kodwa khumbula, kuthatha ixesha elide ukuhlawula ityala ngokupheleleyo phantsi kweyona ndlela encinci-yeyona matyala.

Xa ulungele ukuhlawula amatyala akho, kufuneka ugqibe isigqibo sokuba ufuna iinjongo zokuhlawula amatyala amancinci ngenani lokuchitha imali emininzi. Musa ukuchitha ixesha elide ucinga ngayo; Into ebalulekileyo kukuba uqalise nokuba uthetha ukuhlawula amatyala ngokukhawuleza.