Amakhaya angaphezu kwezigidi ezili-12 aseMerika kwiibhanki ezingenalutho ephantsi ahlala ehlawula ukuhlawula imali, ngokwemibiko ye-CNN. Kodwa yintoni enokumangalisa kukuba ngaphezu kwezigidi ezingama-25 eziphakathi kwamakhaya akwenza okufanayo.
Ukuba ungomnye wale mizi, zikho iindlela ezi-5 ongaqala ukuphula umjikelo.
1. Ukulandelela Ukusetyenziswa Kwakho
Isinyathelo sokuqala sokwandisa imali yakho kukubona ukuba kungakanani ukuza nokungena ngenyanga.
Khangela emva kwe-akhawunti yebhanki yeenyanga ezi-3, ikhadi lekhredithi kunye neengxelo zekhadi zebhanki okanye iphepha lokurejista lakho. Qaphela indlela ochitha ngayo inyanga nganye kuzo zonke iindidi (ukuthenga / ukurenta, ukutya, izibonelelo, njl). Oku kuya kukunika isiseko sokuqonda apho imali yakho ihamba khona ngaphambili.
Isinyathelo esilandelayo kukugqiba apho ufuna imali yakho ihambe kwixesha elizayo. Oku kubandakanya ukuthatha ixesha elide, elibukhali kwindlela oye wachitha ngayo kwinqanaba ngalinye kwaye uzibuze ukuba kukho iindawo onokuzenza.
Okungakumbi unako ukuluhluza uluhlu ngalunye, imali eninzi oyishiye kuyo ekupheleni kwenyanga, ngoko uhlalutye uhlahlo lwabiwo-mali olulungileyo kodwa luyacwangciswa. Ukuba unako ukulawula ukuhlala uncike ngoku, kunokukunceda ukwakhiwa kwemali yakho kwaye ujonge ngakumbi ukhuseleko.
3. Yakha iNgxowa-mali eNgxamisekileyo
Xa imali iqinile, iindleko ezingalindelekanga zingaba yintlekele.
Ngoko qiniseka ukuba uhlahlo lwabiwo-mali olutsha lunomgca kuwo ukuze ulondolozwe. Kufuneka ube neengeniso zeenyanga ezi-3-6 ezigcinwe kwiimeko ezikhawulezayo, kodwa ukuqala, zijolise ukugcina imali eyi-$ 1,000.
Ityala leThengi liyi-handcuff kwinkululeko yakho yemali. Yonke idola oyithwala ngayo ityala, uya kuhlawula ngokuphindaphinda amaxesha amaninzi kunye nomdla, ngoko ukuhlawula phantsi nayiphi na inkokhelo ekhoyo kufuneka ibe yinto ebaluleke kakhulu.
Kuze ufumane isikhwama sexakeka kwi-bhanki kwaye ityala lakho lihlawulwe phantsi, unokufuna ukuthatha amanyathelo angaphezulu ukuzisa imali engaphezulu. Oku kungathatha okwesikhashana umsebenzi wesibini, uqalise ishishini lesecaleni ukusuka kwikhaya lakho okanye usebenze iiyure ezongezelelweyo emsebenzini wakho wangoku. Ngeke kube lula, kodwa khumbula ukuba injongo ephezulu kukuzikhulula kumjikelezo wokuhlawula umvuzo. Ekugqibeleni, le nkululeko iya kuba yinto exabisekileyo.