Ukuba ulondolozo-savvy, uxoxiswano luyindlela enhle yokugcina kwizinto ezinkulu zetikiti ezifana neyithuthi entsha okanye ikhaya. Kodwa ngaba uye wacinga ukuba uthengise ezinye zeendleko zakho zenyanga zenyanga?
Ngokuchasene neenkolelo eziqhelekileyo, awunamathele naziphi na iirhafu ababoneleli benkonzo bakho ukukunika. Iindleko ezininzi eziphindaphindiweyo, njengenkonzo yefowuni kunye neenkonzo ezinokusetyenziswa, zinokuthethwa ngezantsi. Yaye yonke idola eyongezelelweyo onokuyihlawula ibhajethi yakho ithetha enye idola enye ongayifaka kwenye into-njengokuhlawulwa kwekhadi lekhredithi , ukwakha imali yakho yomhlala-phantsi okanye ukulondoloza ikhefu leentsapho ezihle.
Cinga ngezi ngcaka-mali eziqhelekileyo onokuzihlawula kakhulu-kunye nendlela onokuhamba ngayo ngokuthetha ngentetho engcono ngokwakho:
Inkonzo yeTV
Hlola ezinye iinketho ezifana ne-TV ehambayo yamahhala kunye nokubhaliselwa okuncishisiweyo ngeenkonzo ezifana neHulu, Netflix, kunye neRoku. Kodwa ukuba uvakalelwa isidingo sokuhlawula inkonzo ye-satellite okanye ye-cable, kukho iindlela zokugcina.
Amathuba ukuba uye waqaphela ukuba kaninzi umboneleli wakho okhoyo ukhangisa amaxabiso amanqaku aqala ngayo abathengi abatsha. Usenokuba ufumene enye xa uqala ukubhalisa nabo. Kodwa ngoku ukuba ungumthengi oqhelekileyo, ode ixesha elide, ufumanisa uhlawula ixabiso eliqhelekileyo "-milinganiselo" kwaye ubenomona onobukrakra kubo bonke abathengi abatsha abafumana i-bargain engcono.
Awunayo ukunyamezela. Shayela umgca weenkonzo zabathengi kwaye uvumele iinkampani zikwazi ukuba, njengomthengi onyanisekileyo, awuthandi ukuba abathengi abatsha baphathwa ngendlela engcono kunokuba wena.
Awukwazi ukufumana isantya esikhethekileyo sokuqala, kodwa unokuzibamba ezinye izinto, njengokufikelela kwii-movie ze-premium zeenyanga ezili-6 okanye ukukwazi ukutshintsha kwiphakheji entsha eyayingatholakali xa uqala ukujoyina .
Inkonzo yefoni
Okokuqala kunye okuphambili: Ukuba awuyi kusebenzisa umhlaba wakho, umjelo uze uhambe ngeselula kuphela.
Ukuba uthembela kakhulu kwindawo yakho yomhlaba kwaye ufuna kuphela ifowuni yezoxakeka, qwalasela iTracFone okanye uhlawule-njenge-inkonzo uze uhlawule kuphela into oyifunayo.
Ukuba, nangona kunjalo, i-cell phone yakho yindlela yokuphila kunye nesongezelelo sakho esongezelelweyo, kukho iindlela zokugcina. Thatha ilanga elide, elibukhali kwimigaqo yakho yepakethe kunye nokusetyenziswa kwenyanga ukuqinisekisa ukuba awukhatali imizuzu engaphezulu kunokuba uyifunayo ngokwenene. Ukuba ucinga ukuba unamathela kwiphakheji enomvuzo nje ngokuba inqanaba elilandelayo lingezakukunika into oyifunayo, cinga kwakhona.
Ezinye iinkampani zinika amaphakheji angabonakaliyo ongeke ukwazi ngawo ngaphandle kokuba ucele. Biza uze ucele ukuba kukho naziphi na iirhafu zamakhasimende ezikhethiweyo okanye izaphulelo zomqeshi onokuzifumana.
Ukuba awukho kwisivumelwano, okanye isivumelwano sakho sizakuphela ngokukhawuleza, musa ukuvuselela! Inkontileka yeminyaka emibini okanye emibini ingakunceda kakhulu kwifowuni yakho, kodwa ukuba unganandaba nokuphucula kwisixhobo esitsha, ungathetha isantya esingaphantsi kwenyanga xa uphuma kwisivumelwano ngoba Umboneleli uyazi ukuba awunayo.
Izixhobo
Musa ukukhohliswa ekucingeni ukuba abadlali abakhulu kwindawo yakho bangokukhetha kwakho kuphela. Abanikezeli bamandla abaninzi abongezelelekileyo abaxhamlayo abanokukwazi ukukunika izinga lokuncintisana.
Kwaye nangona inkampani yakho inomdla kwindawo yakho, kusekho iindlela zokugawula iindleko zakho.
Ukuba usanda kufaka amanyathelo okugcina amandla okonga njengeefestile eziphuculiweyo kunye nokuqhekeza okungcono, inkampani yakho yokusebenza ingathanda ukuqhuba uphicotho lwamandla (okanye ucinge omnye kumntu wesithathu) njengenzuzo yokuthetha ngentlawulo ephantsi.
Ukuba uhlala kwindawo apho izinga lokushisa liguquguqukayo ukusuka kwonyaka ukuya kwixesha, umboneleli wakho onokushisa unokunikezela ukhetho lokuhlawula ibhajethi olwandisa iindleko zakho zokufudumala kuzo zonke iinyanga, oku kuthetha ukuba uza kuhlawula umlinganiselo ophantsi, olinganisiweyo ngenyanga nganye (ngokusekelwe ukusetyenziswa kwangaphambili) kunokuba utywiliswe ngeebhanki ezinkulu kwixesha elidlulileyo. Izicwangciso zebhajethi zenyanga zingabuye zifumaneke kuwe ngokusekelwe kwingeniso yakho yangoku yekhaya.
IiKhadi zeKhadi leMatyala
Ugula ngokubona zonke izinto ezinikwe phantsi okanye ezingenakunomdla kwi-imeyile yakho, ngelixa uqhubeka uhlawula amazinga aphezulu aphezulu kumakhadi akhona?
(Okanye ubukele i- APR yakho inyuke nangona i-credit rating yakho ilungile?)
Awunayo ukujongana nesandla isandla seenkampani zekhadi lesikweletu sele zijongene nawe; abaninzi banokulungela ukusebenza kunye nawe ukugcina ibhizinisi lakho, njengoko bayazi ukuba uninzi lwezinye iindlela ongakhetha kuzo ngaphandle.
Ukuba uye wenza iintlawulo zakho rhoqo kunye / okanye ukuhlawula ngaphezulu kuncinci, ngoko ungumthengi ngokuma kakuhle, kwaye inkampani yakho kufuneka ikulungele ukulwa ukuze ikugcine.
Yibiza uze ubazise ukuba ucinga ukutshintshela ibhalansi yakho kwenye yamanqaku amaninzi anomdla okwangoku. Buza ukuba kukho nayiphi na into abangayenza ukuze bafanele ixesha lakho ukuhlala nabo. Uninzi aluyi kukuvumela ukuba uhambe ngaphandle kokuzama ukunikela into ethile-kukunyamezela kwakho ukuba lukhulu kangakanani isipho sabo.
Xoxani ngendlela efanelekileyo
Nantoni na ozama ukuxoxisana ngayo, inqakrazo yokuphumelela kukugcina ukuthetha kwakho kuhloniphekile, kuhloniphekile. Njengoko ulingwa njengokuba unokubazisa ukuba ucinga ukuba uhlawula njani imali yakho, iinkampani ziza kuba zikulungele ukusebenza nawe xa uthetha ukuba uye wathanda kangakanani inkonzo yabo kwaye ugxininisa imbali yakho njengomthengi othembekileyo.
Gcina lihle, ibinzana njengeyokuphumelela, kwaye uninzi lwazo zonke, zame! Awukwazi ukuba ungayifumana ngaphandle kokuba ucele!