Isisombululo esihle
Indlela elula kukuba uhlawule umboleko wakho, kodwa oko kulula ukutsho kunokukwenza. Ukuba unayo imali, ubungenakufumana imali mboleko kwindawo yokuqala. Ukuba sele usuka kwinkokhelo ethile kwaye uyakwazi ukubuyiselwa, qhagamshelana nombolekisi wakho kwaye ucele imiyalelo yokunika inkxaso. Musa ukumangaliswa ukuba kunzima. Ababolekisi abaninzi baya kwamkela inkokhelo yakho ngentlawulo, kodwa abanye ababolekisi bamatyala badibanisa iinyawo zabo kwaye bakhetha ukuba uqhubeke uhlawula umdla.
Shintsha iCar
Ukuba unayo imali, unokuhlala usithengisa imoto ukudala imali. Ukuthengisa kunzima xa ungenaso isihloko esicocekileyo , kodwa singenziwa kwaye kwenzeka njalo. Ukutshatyalaliswa kwinqwelo enokuthobeka (kodwa ekhuselekileyo) inokukugcina amawaka okanye amawaka inzala kunye nemirhumo, kwaye ukhulula ukuhamba kwemali nganye ngenyanga.
Ukuhlaziya okanye ukuQinisa
Enye indlela yokukrazula umboleko wesikiti sakho ukuyibuyisela ngemboleko ehlukile . Oku akusombululi ingxaki enkulu (ukuba ufutshane kwi-cash), kodwa inokumisa ukuphuma kwegazi.
Imalimboleko emiselweyo yebhanki, inyunyana yemboleko , okanye umnini-mboleko we-intanethi uya kuba yindleko engaphantsi kokugqithisa umboleko wesikhundla sakho kwenyanga emva kwenyanga. Nokuba isheke elula kwikhadi lakho lekredithi linokunciphisa iindleko zakho (ngokude uqinisekile ukuba uya kuzihlawula ngaphambi kokuba naluphi na ukukhushulwa kuphelile), kunye kunye unokufumana isihloko sakho kwakhona.
Ukuba unenkathazo yokufumana i-mboleko yembuyiselo, tyelela iibhanki zendawo kunye neenkontileka zemali-mboleko, apho unethuba elingcono lokufumana imvume. Ababolekisi beontanga-ntanethi nabo bafanele ukujonga. Ukuba konke okuhlulekayo, umntu osondele kuwe unokulungele ukubhalisela kunye nokukunceda ukuba uvumeleke - qiniseka ukuba bazimisele kwaye banako ukuthatha ingozi.
Thethani
Umniki-mboleko wakho okhoyo uzimisele ukusebenzisana nawe, ngoko kuyafaneleka ukuzama ukuxoxisana. Nika into onokukwazi ukuhlawula ngayo kwaye ubone ukuba umboleki-mali uyavuma. Ngokukodwa xa iimali zakho zihlawuleka, umboleki wakho unokukhetha ukufumana okuthile kuwe ngaphambi kokuba ulahleke ngokupheleleyo. Nangona izinto zingekho, unokufumana ukuba umboleki wakho unakho ukhetho, njengentlawulo ephantsi okanye ezinye izilungiso ezinganciphisa iintlawulo zakho.
Ukuba umnini-mboleko wakho uyavuma ukuthatha ngaphantsi kweentlawulo zakho, i-credit yakho iya kuba neentlungu (uhleli phantsi ngaphantsi kwexabiso elivunyelwene ngalo ngaphambili). Uya kuba neengcambu ezincinci zamatyala iminyaka emininzi, kwaye ukuboleka kuya kunzima kwaye kuyabiza kuwe ngeli xesha.
Okungafaniyo
Enye indlela yokuyeka ukuhlawula-kodwa oku akuyona indlela enokukhetha ngayo. Ukungahlawulwanga ngemboleko kuyonakalise i-credit yakho, kwaye umnini-mboleko wakho ekugqibeleni uya kugcina imoto (ngoko uya kuba nekhredithi embi, akukho moto, kwaye mhlawumbi uya kuba netyala).
Ukunikezela ngokuzithandela isithuthi sakho kunokuphucula imeko encinane, kodwa uya kubona amanqaku angaphantsi kwesikolo. Kwibala eliqaqambileyo, uya kwenziwa ngeentlawulo zenyanga-kwaye oko kungenako ukukubeka endleleni engcono.
Ukufakela i-Bankruptcy
UMtyholi uhlala eenkcukacha, ngoko uthetha nommeli wengingqi kwaye uxoxe ngesimo sakho - kunokubakho iinkcukacha ezibalulekileyo ezingakhange ziqwalaselwe kule nqaku. Kwiimeko ezininzi, i-bankruptcy inikezela ngokukhawuleza kwiimali zetyala lezithuthi. Inokukunceda ukuba ugweme uxanduva lomntu ngokwasemthethweni , kodwa imoto kaninzi iyaqhubeka isebenza njengesibophelelo semboleko kwaye inokuthathwa xa ungaphumeleli ukubuyisela.
Ukuphepha iNgxowa yeMali
Ubhedu bakho obufanelekileyo kukugwema iimboleko zetyala kwindawo yokuqala. Emva kokuba ufumene oku emva kwakho, zifake kwiimeko ezibonakalayo zezemali kwiingxaki zemali ezilandelayo.
Yakha isikhwama sokulondolozwa kongxamiseko kweendleko zenyanga ezintathu ukuya ezintandathu (okanye mhlawumbi ngaphezulu), kwaye uphucule i-credit yakho ukwenzela ukuba unokhetho oluninzi xa ufuna ukuboleka.
Abarrowers Military
UMthetho wokuThengiswa koMkhosi unikezela ukhuseleko olongezelelweyo kumalungu enkonzo kunye nabathengi abathile. Funda kabanzi malunga nolo khuselo, okanye u tyelele i-Military OneSource ukuze uthethe ngongcali wezezimali.