Amanyathelo okuthabatha ngoku ukukhuphula impembelelo yokunyuka kwamaRhafu
Xa uva ukuba kungenzeka ukuba ufikelele kwizinga lokunyuka kwi-Federal Reserve, ngaba kukho into enokuyenza ukulungiselela?
Yintoni echaphazelekayo ngokuphakamisa amaRhafu enzala
Xa i-Fed iqalisa ukunyusa amaxabiso omyinge, ityala lekhadi lesikweletu, izinga lokuboleka imali, kunye neerhafu kwimali-mboleko yemoto zichaphazelekayo. Ithenda yomyinge wase-US ngokwemali ngokwe-Fed i-$ 20,000 engabandakanyi imali. Uninzi lwaloo matyala ngumvuzo wekhadi lesitaliti kunye nemigca yokulingana kweentengo zemali, kwaye abantu abanalo hlobo letyala baya kuthinteka kakhulu.
Ukuba unzima ukuhlawula iindleko zakho zekhadi zekhredithi nganye ngenyanga okanye uhlawula iindleko zakho kodwa unokuthi uguqulwe inkokhelo encinci, nokuba ukunyuka okuncinci kumanani kungaba yingxaki. Ngokuhamba kwexesha, njengoko amanqanaba ngokuqhubekayo eqhubeka nokunyuka, inkokhelo yakho yenyanga nganye iya kujongana nomdla kunye ncinane ukuya ekuhlawuleleni ibhalansi yakho. Ukufumana uncedo ekuphumeni kwetyala, fumana ezinye iinkcukacha kwi-intanethi ezinokukunceda, kodwa kulabo ofuna ukuzinyamelela ukunyuka okukudala kwimilinganiselo yenzalo, nali iindlela ezintandathu zokuzilungiselela ukuphuma phambili.
1. Bhatala i-Credit Card yakho
Ukuba uthe wenza kuphela iintlawulo ezincinci kumakhadi wakho ekwereta, qala ukuhlawula ngaphezulu. Ukuba awukwazi ukuza nemali ukwandisa iintlawulo zakho, qalisa uhlahlo lwabiwo-mali okanye uqinise uhlahlo lwabiwo-mali olukhoyo, unqume imali kwaye uhlawule phantsi kwetyala lekhadi lesikweletu ngemali oyigcinayo. Ukuncedisa uhlahlo lwabiwo-mali, jonga uhlahlo lwabiwo-101 .
2. Musa ukukhohliswa yi-"Rate Fixed" Cards Credit
Ikhamphani lakho lekhadi lekhredithi kufuneka linikeze isaziso esibhaliweyo seentsuku ezili-15 ngaphambi kokuphakamisa ngokomthetho izinga lakho. Nangona kunjalo, ukuba ixabiso lomdla kulindeleke ukuba likhule kwaye awukadlulisele iibhalansi zakho kumakhadi angaphantsi, kufuneka uqikelele ukwenza njalo, ukhangele abo bathembisa izinga eliphantsi ngexesha elithile. Ngengcebiso ngeendlela ezikhawulezayo zokunciphisa ityala lakho lekhadi lesikweletu, bona i- Out Out of Debt Now .
3. Cinga ngeNgxowa-mali ye-Equity yasekhaya
Ukuba unomgca wekredithi yekhaya, cinga ukuthatha imali mboleko yemali yokubuyisela imali ukuba uhlawule xa kuhlawuliswa amazinga enzala. Ekubeni imilinganiselo yemigangatho kwimigangatho yokulingana kwemali yekhredithi ixhomekeke kumyinge wokuqala, ukuba ixabiso liya kuphakama, kuya kuba njalo nomdla kwi-credit line yakho. Ngokuxhomekeke kwindlela oboleke ngayo, oku kungakhawuleza kube yintlawulo ongenakukwazi ukuyisebenzisa, kwaye indlu yakho isengozini. Ngokutshintshela umgca we-credit equity loan nge-loan equity loan ekhaya, uvale ngenani lemali elincinane. Jonga Imali-mboleko ye-Ekhaya: Khangela ngaphambi kokuba Uhambe .
4. Cinga nge-Fixed Rate Mortgage kwi-ARM
Ukuba unomyinge we-mortgage rate (ARM) kwaye uceba ukuhlala kwikhaya ubuncinane ubuncinane iminyaka emihlanu, cinga ukuhlaziywa kwi-mortgage rate yexabiso elithe xa kuthengwa amaxabiso.
Jonga indlela oza kuthatha inzuzo yeeNkcazo zokuThengisa iMali ephantsi .
5. Yithenga iNdlu kungekudala
Njengoko ixabiso lentengo yokuthenga imali, uya kukwazi ukufumana indlu encinane imali yakho. Ukuba amaxabiso kulindeleke ukuba akhuphuke kwaye usemarike yendlu, qwa lasele ukunyusa imizamo yokuzingela indlu. Qinisekisa ukuba uphando ngeendwendwe zendawo yokuhlala ukuze ungathengi kwixesha lexabiso lamakhaya.
6. Thenga i-Car ngokukhawuleza kungekudala
Ngokufanayo nokuthenga indlu, ukuba uyimarike yemoto entsha, cinga ngokukhawuleza izicwangciso zakho ngaphambi kokuba uhlawule umyinge wemali, mhlawumbi usebenzise i-zero yepesenti ngemali. Ezi zinikezelo zihlala ziphela njengoko amaxabiso aphakama. Khangela Gcina Imali Kwimoto Yakho Elandelayo .