Yiyiphi indlela yokunikwa kwetyala elungileyo?
Indlela ngayinye inokwenza kwaye iyancipha, ngoko-ke ngaphambi kokuba unqume indlela yokujongana netyala lakho, kubalulekile ukuqonda ukuba isicwangciso ngasinye sibandakanya kwaye kutheni enye indlela inokuthi ibe yinto engcono okanye ingabi bhetele kwiimeko zakho.
Ityala lokuxhoma
Inkqubo yokuxhaswa kwetyala (eyaziwa njengendlela ye-avalanche yetyala) icebisa ukuba wenze uluhlu lwazo zonke izikweletu zakho, zibekwe ngentlawulo yemali , ukusuka phezulu ukuya kweyona nto ephantsi.
Umzekelo, unakho ukuhlawulwa:
- I-Mastercard, iipesenti ze-2 500-19, i-interest rate
- I-Visa, iipesenti zee-7,500-13 zeepesenti, inqanaba lesibini eliphezulu lezala
- Imali-mboleko yemoto, iipesenti zee-4,000-8 zamaRandi, inqanaba lesithathu elinomdla
- Imali-mboleko yabafundi , i-$ 1,900-5 yepesenti, inzala ephezulu kakhulu
I-debt stacking method icebisa ukuba wenze inkokhelo encinci kuyo yonke imali yakho. Emva koko, kufuneka ulahle yonke imali yakho eyongezelelweyo ekuhlawuleni i-MasterCard yakho, enesantya esiphezulu senzala, kuma-19 ekhulwini.
Emva kokuba ususule i-debt-cent ye-19% ye-MasterCard, uhlawule ibhalansi yeVisa, ene-interest rate yesibini ephezulu, kuma-13 ekhulwini.
Kuya kuthatha ixesha elide ukubuyisela i-Visa, ekubeni inona ibhalansi ephezulu, kwi-$ 7,500. Gcinana nayo. Nanini na xa usuphelile, ungaqala ukuhlawula amatyala ngamanqanaba aphantsi .
Iinkonzo: Le ndlela ikusindisa imali eninzi kwiintlawulo zenzalo.
Umgcini: Kungathatha ixesha elide ukufumana ityala eliphezulu lokugqithisa kwibala lakho. Unokuziva udidekile emva kokutshala ixesha elininzi kunye namandla ukuze uhlawule umbolekisi ngaphandle kokuva ukunqoba kwengqondo ekugqibeleni uluhlu lwakho.
Amatyala e-Snowball
Ngokuya kwindlela ye-snowball, kufuneka ulahle yonke ipenki ye-penny ekubhekiselele ekuhlawuleni imali-mboleko kunye ne -balance balance , kungakhathaliseki ukuba inzala .
Ukuba usebenzise indlela ye-snowball, ubuya kuphinda ulandele uluhlu olungentla apha lulandelayo:
- Ingxowa yomfundi, i-1,900-5 yepesenti, ibhalansi ephantsi
- I-Mastercard, ipesenti ze-2 500-19, i-balance-lowest balance
- Imali-mboleko yemoto, i-$ 4,000-8 yeepesenti, ibhalansi yesithathu ephantsi
- I-Visa, iipesenti zee-7 500-13 zeepesenti, ibhalansi ephezulu
Unokwenza inkokhelo encinci kuyo yonke imali yakho. Emva koko, unokuphosa enye ipenseli enye kwi-matyala kunye nenani elincinci kakhulu, kungakhathaliseki ukuba, kwimeko enjalo, nayo inomyinge ophezulu.
Ingcamango elandelayo kule ndlela kukuba ukuhlawula imali mboleko kunye neyona mali esincinci kukunika ingqondo yengqondo xa usuwela umboleko oluhlu lwakho. Ukuphumelela kwengqondo kukukukhuthaza ukuba uqhubeke nokugcina imali nokuhlawula amatyala akho.
Iinkonzo: Le ndlela ikunika ukuvakalelwa kwangoko.
Umgcini: Unokubiza ngaphezulu. Ukwenza kuphela iintlawulo ezincinci kwi-matyala akho aphezulu-nzala ithetha ukuba uza kuhlawula ngokubanzi, xa kuthelekiswa netyala lokutyunjwa kwetyala.
Yiyiphi indlela ofuna ukuyisebenzisa?
Imali yomntu siqu, kakuhle, eyakho. Ukuhlawula ityala kunokuba kufana nokutya.
Ngokuqinisekileyo, kukho izicwangciso zokutya ezifanelekileyo ngaphandle apho, kodwa masibe neengqiqo: Uninzi lwabantu aluyi kubambelela ekudleni okugqibeleleyo. Ukutya okusemgangathweni nguye oza kubambelela kuyo.
Ukuhlawula ityala kufana. Thembeka malunga nokwenza uhlahlo lwabiwo-mali olulungele ubuntu bakho kwaye lugcine lukhuthaza. Uya kuhlawula unomdla xa ungenamathelani nesicwangciso sakho somvuzo .
Kulungile ukuzama, kwakhona. Ukuba ityala lokutyathwa kwetyala lizwakala likhangele kuwe ngoku, kwaye uzama kwinyanga ezimbalwa kwaye ufumanisa ukuba asebenzi, akukho sizathu ongenakukwazi ukutshintshela kwindlela ye-snowball.
Ukuba nesicwangciso sintle, kodwa oko akuthethi ukuba kufuneka uzibambe kwi-100 ekhulwini yexesha, iintsuku ezingama-365 zonyaka. Izinto ziguquka, ubomi buphonsa iibhola zengqungquthela kuwe, kwaye kufuneka ulungelelanise. Ngamanye amaxesha ithetha ukutshintsha izicwangciso zakho zezimali.
Ngoko musa ukuzibetha ukuba indlela yokuqala ozama ngayo ayisebenzi. Gcina kuyo uze ufumane into eyenzayo.