Ngaba Unetyala elikhulu
Enye yeendlela ezilula ukubala ityala lakho ngumthwalo ngokulinganisa i-rate -to-income income ratio .
Eli nani lifanisa inkokhelo yakho yeentlawulo zemali nganye ngenyanga. Unako ukubala inani lakho lemali-kuya-ngeniso kubandakanya ityala elihle nelibi, okanye unako ukushiya amatyala amatyala (imali-mboleko yomfundi, iintlawulo zempahla). Ukuba ufuna ukulinganisa ityala lakho ngokukhulula, kulunge ukubala ukuba ureyitha ucinga ngetyala elibi kuphela. Ngakolunye uhlangothi, ukuba ufuna umfanekiso opheleleyo wetyala lakho, zibandakanya zombini ityala elihle nelibi .
Ukubala Ukuhlawulwa Kwetyala
Njengoko umzekelo, masithi ufuna ukulinganisa ukuhlawulwa kwetyala lakho (inkokhelo embi kuphela). Yongeza nje imali oyisebenzisayo inyanga nganye kwietyala ezimbi, umzekelo, amakhadi etyala kunye nemali-mboleko, kwaye ulwahlule ngenkokhelo yakho yenyanga. Yandisa loo nombolo nge-100 ukuza neepesenti. Isiphumo sakho sixa-mali-kuya-ngeniso yakho.
Ngokomzekelo, cinga ukuba wenze i-$ 3,000 ngenyanga kwaye uchithe i-$ 300 kwiintlawulo zekhadi lesikweletu kunye ne-$ 450 kwi-mboleko yemoto. Ubalo bakho bokuba ngu-$ 750 / $ 3,000 = 0.25.
Yandisa inani eli-100 ngenani le-income-income-25%. Kulo mzekelo, uchithe ikota yengeniso yakho kwisikwere esibi.
Xa kuziwa kwetyala, nokuba lihle okanye libi, liphantsi kwetyala onalo, libhetele. Umlinganiselo omatyala ongaphezu kwe-10% uphezulu kakhulu kwaye kaninzi luphawu lokuba ukhululiwe ngetyala. Kule meko, uya kuba netyala elibi kakhulu.
Ukuqonda iMali Yakho Yonke
Kuza kubakho amaxesha apho ufuna ukuhlalutya imifanekiso yakho yesikweleti, kuquka zombini amatyala amatyala kunye netyala elibi. Ukubala kufana nomzekelo wangaphambili; Ukwahlukana kuphela kukuba uquka lonke ityala lakho kunokuba ityala elibi nje.
Ukubala isixa-mali sakho semali-ngeniso-mali, yongeza iindleko zakho zenyanga zenyanga zetyala. Oku kubandakanya iintlawulo zemakhadi-mboleko, iimali-mboleko zabafundi, ukubolekwa kwemali okanye irente, inkxaso yenkxaso yabantwana okanye i-alimony, kunye nezinye iimali-mboleko okanye amakhadi enkonzo. Inani elilandelayo lakho ngeniso yenyanga, kuquka ukuhlawulwa kwekhaya, i-alimony okanye inkxaso yezingane, ibhonasi, okanye izabelo.
Hlukanisa iindleko zakho zetyala ngexabiso lakho elipheleleyo (ungalibali ukuphindaphinda nge-100) ngenani lakho lemali-ngeniso. Isilinganisi sakho semali-ngeniso-mali, ekuqwalaseleni ityala elihle nelibi, lihle kakhulu kuma-36% okanye ngaphantsi. Umlinganiselo ophantsi kwe-30% ubuhle kakhulu, ngelixa umlinganiselo ophezulu ngaphezu kwe-40% ibhendi ebomvu yentlekele yezemali.
Isiphumo
Ukuba ufumanisa ukuba unetyala elikhulu, unokuhlanganisa isicwangciso sokunciphisa ityala lakho . Akuyikukwenza kuphela ukuba imali yakho ilulawule ukulawula, iya kuphucula i-credit yakho .