Ukujongana nokukhawuleza kwezemali ngaphandle kwemboleko yemini yemivuzo
Abantu abenza imali mboleko yokuhlawula i-dayday balindele ukuba ibe yinto yodwa. Benza i-$ 250 ngokupheleleyo ukulungiselela ukuyihlawula kwakhona kwiiveki ezimbini, okanye ngaphantsi. Nangona kunjalo, umthengi wemali-mboleko ye-dayday uhlala enetyala kwiinyanga ezintlanu kwaye ukhokhe i-$ 520 ngemali (ngaphezulu kwexabiso lemali-mboleko yangaphambili), ngokutsho kophando oluvela kwi-Pew Charitable Trusts.
Xa kukho imeko engxamisekileyo, unokufuna ukuba izandla zakho zifumane imali ngokukhawuleza, kodwa kukho iindlela ezibizayo zokuboleka.
01 Thengisa okanye i-pawn izinto ongazidingayo
02 Thetha kubathengi bakho malunga nokwandisa umhla ofunekayo
Xa uyazi ukuba awukwazi ukwenza inkokhelo yakho, biza umnini-mboleko wakho uze ubazise. Abaninzi baya kuvumela ukuba bandise umhla ofunekayo ngaphandle kokuhlawula imali yokugqibela okanye ukunika ingxelo kwi-credit bureau. Yenza okufanayo kunye nesevisi okanye iinkonzo zefoni.
03 Sebenza ixesha elide
Ukuba umqeshi wakho uyakuvumela, sebenze iiyure ezimbalwa ezongezelelweyo ukuze ufumane ixesha elide lokuhlawula.
04 Yiba nomsebenzi wohlangothi
Ukuba unomsebenzi wokuzonwabisa okanye ubuchule obufunekayo, nikela iinkonzo zakho kubantu ukuze batshintshe imali. U-Erin Huffstetler, isiKhokelo sokuPhila okuHlangeneyo, unoluhlu olubanzi lwezinto zokuzilibazisa ezifumana imali.
05 Cela umqeshi wakho phambili
Ngokwenyani, le nto ifana nomboleko we-payday, kodwa ngaphandle kweemali ezigqithiseleyo kunye nomgibe wokubolekisa. Thetha nomntu kwisebe lakho loluntu malunga nexesha elizayo kwi-paycheck yakho ezayo. Gcina ukhumbule ukuba ukufika kwangaphambili kuya kunciphisa ikhekhe elilandelayo. Abanye abaqeshi baze banikele ngemali-mboleko enokubuyiselwa ngokunyuka kwamaxesha amaninzi okuhlawula, ukunciphisa umphumo kwindlela yokuhlawula ekhaya.
06 Tshintsha uhlawula irhafu yakho
Ukuba nemali eyongezelelweyo ekhutshwe kwi-paycheck yakho ukuze ufumane imali enkulu yokubuyisela irhafu yinto engalunganga xa unzima ukufikelela kwimigangatho. Iwebhusayithi ye-IRS ine-calculator yokubamba ukuhlawulwa kweerhafu ongayisebenzisa ukuze ufumanise ukuba ingakanani irhafu kufuneka ithathwe kwiihlawulelo zakho. Qaphela ukuba ufumana irhafu eyaneleyo engagcinwanga, ngaphandle koko uya kugqiba ukuhlawulwa irhafu kwinyanga ka-Apreli ozayo.
07 Jonga ezinye zeebhilikhwe zakho
Nciphise iindleko zakho zenyanga. Ukuphelisa ezinye zeebhili zakho kunokukunceda ngokukhawuleza kwingeniso yakho kule nyanga.
08 Khangela iinkqubo zengxaki zengxaki zengingqi
Unokufumana imibutho yasekuhlaleni eya kukunika okanye ukuboleka imali ukuze ikuncede. Xhagamshelana neSebe lenu lezeMithombo yoluntu ukuze nibone ukuba kukho naziphi na iinkqubo zoncedo lwexesha loxinzelelo kwindawo yakho. Iicawa zendawo kunye neminye imibutho yoluntu (njengeSalvation Army) nayo iindawo onokukhangela uncedo.
09 Ukuboleka kumhlobo okanye ilungu losapho
Ukuboleka kubahlobo kunye neentsapho kuya kuba nzima. Imali kunye nabahlobo / intsapho kaninzi abaxube kwaye unokuphelisa ngolwalamano oluphukileyo, olunokuba lubi ngakumbi kunokuba lube nenkampani yemboleko yemini-ntlawulo. Gcina loo nto ingqondweni njengoko ucinga ukuya kumntu othandekayo ngemali. Yiba ngongqongqo njengoko ubuyisela umhlobo okanye ilungu losapho njengoko uza kubhanka okanye umboleki-shishini.
10 Thatha imali encinci kwibhanki yakho okanye kwimanyano yamatyala
Ukuba unemali engenayo kunye nekhredithi enhle kakhulu, unako ukufumana imboleko encinci ebhange lakho. Ezi zinto zinomlinganiselo omncinci wenzalo kunye nemigqaliselo eninzi yokubuyisela imali ngaphezu kwemali-mboleko ye-payday okanye ukhangele phambili.
11 Bhatala ngekhadi lakho lekhredithi
Ukuba unekhadi lesikwereti kunye nekhredithi ekhoyo, sebenzisa ukuxhasa imali ekuthengeni kunokuthatha umboleko wemivuzo. Musa ukwenza umkhwa, usebenzisa amakhadi akho ekwereta ukuhlawula iindleko eziqhelekileyo ezifana nokutya okanye igesi yimpawu zeengxaki ezinkulu zemali .
12 Sebenzisa i-credit card advance advance
Ikhredithi yamakhadi ekuqhubekeni kwemali ingaba yindleko, kodwa ukuba uthengisa iifizi eziphantsi kunye nomyinge onomdla, ngokuqinisekileyo kuya kuba kubi ngaphezu kwemali mboleko. Kufuneka usebenze kanzima ukuhlawula i-$ 793 ngenzala kunye nemirhumo kwi-advance advance cash. Ekubeni ikharityhulam yekhredithi inomlinganiselo onomdla ophezulu, ungahlawulanga nayiphi na into ekhadini lesikweletu kwaye uhlawulele ibhalansi ngokukhawuleza.
Ukufumana iingcebiso ngeentengo zemboleko
Ukuba unenkathazo yokwenza iintlawulo zekhadi lakho lesikweletu nganye ngenyanga, umcebisi wesikweletu somthengi unokukunceda uhlawule iintlawulo zakho zenyanga kwizinga elilawulwayo. Funa ukululekwa ngetyala ngokukhawuleza ukukhusela amanqaku akho.
14 Bhalisela ukukhusela i-overdraft yakho yebhanki
Ibhanki yakho inokunika isicwangciso sokukhusela i-overdraft ehlawula izinto ezingaphezulu kwe -dradraft kunye nomgca wekhredithi. Thetha kummeli wenkonzo yabathengi ngokusayina kulo hlobo lwesicwangciso. Oku kuyindlela yokukhangela isheke ekhokelela kwiimali ezingekhoyo ngokwaneleyo kwi-bhanki yakho kwaye ubuyisele imali yokujonga ishicilelo kumthengisi.
15 Diphela kwingxowa-mali yakho engxamisekileyo
Oku kukuchanekileyo uhlobo lweendleko ongazisebenzisa ngayo i- fund yakho yengxamisekileyo . Emva kokuba uthathe imali kwi-fund yakho, qinisekisa ukuyibuyisela ukuze ube nayo xa kwenzeka enye ingxamiseko.