Ibhola le-Snowball: Liyintoni kunye nendlela yokusebenzisa ngayo ukuhlawula amatyala

Isoftware kunye neeNcediso zeSelula eziNceda ekunciphiseni amatyala

Indlela ye-Snowball yokuhlawula phantsi kunye nokukrazula ityala ayikho malunga neemathematika kangangoko kuthethwa ngesishukumiso. Uphuhliswe nguDave Ramsey, umlobi owaziwayo wezemali kunye nomsakazo kunye nomntu weTV, icebo lesithwathwa se-Snowball lifuna ukuhlawula ityala lakho elincinci kuqala kukunika ukunyuswa okukhawuleza okumele kukukhuthaze ukuhlawula amanye amatyala amakhulu.

Ngaphambi kokuba Uqale

Ngaphambi kokuba uqale ukuhlawula amatyala akho usebenzisa le okanye nayiphi enye indlela, kuya kufuneka ulungelelanise.

Hlanganisa iinkcazo zakho zonke iimali-mboleko zakho, kubandakanywa namakhadi-mboleko kunye nezikali kunye nawaphi na amatyala oye waphuma. URamsey akaxhatshazwa ngokuhlawula imali ye-mortgages kwesi sicwangciso, ngoko enoba uquka ukuba ityala lifike kuwe.

Ungayihoyi ixabiso lomdla xa ubhala uluhlu lwamatyala. Uyakhathalela kuphela ibhalansi ekhoyo kwityala ngalinye. Ukuba amatyala amabini ayenzeka ukuba abe nezilinganiso ezifanayo, ungasebenzisa inqanaba lesenzalo njengesikhokelo sakho kwaye unike loo matyala ibaluleke kakhulu.

Ngoku ke ubeke i-$ 1,000 kwi-akhawunti yokugcina ingxamisekileyo. Ukuba awunayo i-$ 1,000 okwangoku, gcina loo mali ngaphambi kokuba uqalise. Yenza iintlawulo ezincinci kwiimali zakho uze ubeke eceleni le mali.

Nantsi indlela uMatyala we-Snowball usebenza ngayo

Ngoku lixesha lokuqalisa. Yenza uluhlu lwamatyala akho ukususela kumncinci kuncinane. Omncinane kufuneka abe phezulu kwoluhlu. Qhubeka wenze iincinci ezincinci kuwo onke amatyala akho ngaphandle kwalowo, enye enexabiso elincinci ngaphezu kweluhlu.

Yenza okungaphezulu kweyona ntlawulo encinci kule nto, nokuba inkokhelo ephindwe kabini ukuba unako ukuyilawula.

Phinda le nqubo nyanga nganye de kube loo matyala ahlawulwe. Ngoku gxininisa kwityala elilandelayo kuloluhlu lwakho. Thatha imali oye uyihlawula ngetyala lokuqala uze uyibeke kwesibini, usebenzisa oko kunye nentlawulo encinci yetyala lesibini njengemali yakho yenyanga yokuhlawula.

Uyabona ukuba le nto ihamba ngoku. Xa ityala lesibini lihlawulwa, uya kusebenzisa loo mali ukuhlawula ityala lesithathu kunye kunye nenkokhelo encinci yetyala.

I-Software ye-Snowball Software kunye ne-Apps

Inokukunceda ukuba usebenzise isoftware okanye insiza yeselula ukuxhasa imizamo yokunciphisa amatyala. Nazi iziphakamiso ezimbalwa ezisebenzisa indlela ye-Snowball indlela. Ezi zixhobo zeteknoloji aziyi kuhlenga amatyala akho kuphela, kodwa ziya kukunika iinkcukacha ngokulondoloza inzala xa unokulindela ukuhlawula iimali-mboleko kunye nezinye izikweletu, kunye nezinye izinto ezinokukunceda ukuba ugxininise ekubeni ungabi namatyala. .

• Win, Mac, I-Software Software
• I-iPhone ne-iPad Apps
• Ukunciphisa amatyala amaSpredishithi
• Apps Android

Ukufumana umzekelo ocacileyo wendlela omnye umntu asebenzisa ngayo indlela ye-Snowball yokukhipha ityala, funda Ukuphuma Kwimatyala Ngomatyala we-Snowball .