Kuyamangalisa ukuba kulula kakhulu (kwaye ngokukhawuleza ukuzonwabisa) ukuba ungene kumatyala, kodwa kunzima ukubuyela ngaphandle. Kungathatha nje iinyanga ezimbalwa ukudala amashumi amawaka eedola, kodwa ngamanye amaxesha ukuyihlawula. Wonke umntu ohlawula ityala lawo akwenza ngendlela eyahlukileyo kwaye kaninzi udibanisa izicwangciso zokukhupha ityala elibi. Nazi ezinye iindlela zokuphuma kwetyala .
01 Yeka ukudala elinye ityala.
02 Ukwandisa intlawulo yakho yenyanga.
Ukuba uhlawula ubuncinane kwiimali zakho, kuya kuthatha ixesha elide kakhulu ukuphuma kwetyala. Ngexesha ekugqibeleni uhlawula ibhalansi yakho kunye neentlawulo ezincinci, mhlawumbi ukhokhe kabini okanye mhlawumbi kathathu oko wahlawulisa ekuqaleni. Kulungile ukuhlawula ubuncinci kumakhadi wakho ekwereta xa unetyala lokubuyisela ityala elifuna ukuba wenze inkokhelo enkulu kwenye yamakhadi wakho ekwereta.
03 Yakha ingxowa-mali yexakeka.
Ingxowa-mali engxamisekileyo ingavakala ngokungafaniyo xa uzama ukuphuma kwetyala kuba ungayisebenzisa loo mali ukuhlawula ityala lakho kunokuba uyifake kwi-akhawunti yokulondoloza. Kodwa, ingxowa-mali yongxamiseko ingakugcina ekudaleni amatyala amaninzi ngokukunika ukhuseleko lomnatha ongayisebenzisa endaweni yekhadi lesikweletu xa kuvela ingxamiseko. Ingxowa yenkxalabo yongxamiseko iinyanga ezili-6 ukuya kwezilishumi elinambini zeendleko zokuhlala, kodwa gxininisa ekwakheni okungenani i-$ 1,000 kwixesha elifutshane.
04 Khetha ityala elinye uze unike konke onakho.
Abanye abantu bakhulisa zonke iintlawulo zabo ezincinci nje kuphela, kodwa ngaleyo ndlela iintlawulo zenu ziwela kuphela ngexabiso elincinane ngenyanga. Unokwenza inkqubela phambili ebonakalayo ngokwenza inkokhelo enkulu kwi-akhawunti yakho enye ngenyanga ukuya kuthi loo matyala ahlawulwe ngokupheleleyo. Okwangoku, yenza ubuncinci kuwo onke amanye ama-akhawunti akho. Emva koko wenze okufanayo kwenye ityala, omnye aze ahlawulwe.
05 Cela umniki-mboleko wakho ngenani eliphantsi.
Iirhafu zenzalo ephakamileyo zigcina inetyala ixesha elide ngenxa yokuba ininzi yentlawulo yakho iya kwintlawulo yenzalo yenyanga kwaye ayikho kwibhalansi yakho yangempela. Buza abakhupheli bekhadi lakho lekhredithi ukuba banciphise inzala yakho . Ngokuqhelekileyo, abathengi abaneembali ezifanelekileyo zokuhlawula banokuxoxa ngezinga eliphantsi. Ukuba usebenzisa ukulungiswa kwemali ukuze ufumane isantya esezantsi, zama ukuhlawula ibhalansi ngaphambi kokuba ixabiso lokunyusa liphelelwe yisikhathi. Emva koko, ibhalansi yakho iya kuba phantsi kwezinga eliphezulu lemali.
06 Khangela iindlela zokubeka imali engaphezulu kwetyala lakho.
Xa ubeka phezu kwetyala lakho, ngokukhawuleza unokuhlawula ityala lakho ngokufanelekileyo. Ukuba awunayo enye, yakha uhlahlo lwabiwo-mali lwenyanga ngalunye ukuphatha kakuhle imali yakho kwaye mhlawumbi kukuncede ukuba uqaphele indlela uchithe ngayo ezinye iindleko kwaye usebenzise loo mali ityala lakho. Ungakwazi kwakhona ukuza nemali yetyala ngokuthengisa izinto ukusuka kwikhaya lakho okanye ukuvelisa ngeniso kwi-hobby.
07 Phuma kwi-fund yakho yomhlalaphantsi.
Unokuqwalasela ukukhangela imali kwi-akhawunti yakho yomhlalaphantsi ukuhlawula ityala lakho. Qaphela, ukuba awuyi-59 ½, uza kujongana neentlawulo zokurhoxisa kwangaphambili kunye necala lokuhlawulwa kweerhafu eyongezelelweyo xa uhoxisa imali kwizicwangciso ezithile zomhlalaphantsi. Ngaphezulu, xa umhlalaphantsi usondela, ukugcina kwakho kuya kuba mfutshane kungekudala kwimali owayeke kuyo kodwa nangomdla onokuwufumana. Ukuboleka kwimali yakho yomhlalaphantsi kuyingozi kwakhona kuba kuya kufuneka uhlawule umboleko phakathi kweenyanga ezimbalwa xa ushiya umsebenzi wakho.
08 Ukuhlawula umgaqo-nkqubo we-inshorensi yobomi.
Usenokuba uqokelele imali ethile kwi- inshorensi yakho yonke okanye yomshuwalense wendalo yonke ongayifaka kwisikwere sakho. Qaphela, ezinye iirhoxiswa ziphumo zerhafu. Ukuboleka kumgaqo-nkqubo wakho womshuwalense kukukhetha, kodwa kunokuchaphazela inzuzo yokufa abaxhamli bakho baya kufumana.
09 Hlala kunye nabathengi bakho.
Ukuhlawulwa kwetyala kungabangela isisombululo ukuba iakhawunti yakho idlulileyo ngenxa okanye unemali engaphezulu kunokuba ungayibhawula iminyaka embalwa. Xa ulungisa izikwereti zakho, ucela umbolekisi ukuba amkele inkokhelo yexesha elilodwa, isamba-mali sokuthoba ityala. Ababolekisi abavumelene nokunikezelwa kwemali nabo bavuma ukukhansela lonke ityala, kodwa bavuma kuphela ezi zinikezelo kwiingxelo ezingekho phantsi okanye ezisengozini yokusilela.
10 Hamba ngeengcebiso ngekhredithi.
Izicwangciso zokulawulwa kwezikweletu ngokusebenzisa ii-arhente zengcebiso ngeentengo zihlala ziyiminyaka emine ukuya kwimithandathu. Kodwa, ungasebenzisa umyinge we-interest rate kunye nentlawulo encinci abaye bathetha ngayo ukuhlawula amakhadi akho ekwerethi ngokuthumela intlawulo eyongezelelweyo nyanga zonke. Vumela i-credit advisory agency ukuba ikwazi ukuba yiyiphi ikhadi lekhredithi ukuba ithumele intlawulo engaphezulu. Le ndlela yindlela ye-snowball yokuhlawula ityala lakho, ngaphandle kokuba i-arhente yokucebisa ngekhredithi ilawula ukuhlawulwa kwakho.