1. Qinisekisa ukuba iSicwangciso soMboleko seTyala sakho siyinyani
Akunakwenzeka ukunamathela kwisicwangciso somvuzo ongenakuze uqale ukuqala. Ukuba uke wenza ixabiso lemali onokuyihlawula okanye ungaphantsi kwexesha elithathayo, unokufuna ukulahla ithawula. Isicwangciso oqalayo kunye nayo asikwazi ukusebenza kuhambo lakho lonke letyala. Ukulungiswa kwindlela kuya kuqinisekisa ukuba unesicwangciso esekelwe kwiimeko zakho zemali.
Khangela ingeniso yakho yangoku kunye neendleko ukuba ubale inani onokukwazi ukulibeka ngetyala lakho ngenyanga. Unako-kwaye kufuneka uhlawule ngakumbi xa unakho, kodwa yenza isicwangciso sakho esisekelwe kwisixa onokuthembela kwaye uhlawule ngokwenene ngenyanga.
Sebenzisa i- calculator impayment calculator ukuqikelela ixesha eliza kuthatha ukuhlawula ityala lakho ngokusekelwe kwintlawulo yakho yenyanga. Qaphela ukuba ukuhlawula ngaphezulu kuya kukuvumela ukuba uhlawule amatyala akho ngokukhawuleza, ngelixa uhlawula ngaphantsi okanye udala amatyala amaninzi kuya kwandisa ixesha eliza kuthatha ukuhlawula ityala lakho.
2. Faka iSicwangciso Sakho Kubhala
Ungathembeli kwimemori yakho ukuqhubeka kunye nesicwangciso sakho setyala. Ukubeka isicwangciso sakho setyala ngokubhala kubandisa amathuba okuba uya kufezekisa. Esinye, ukubhala isicwangciso sakho yindlela yokuzibandakanya kuyo. Ewe, isenzo esilula sokubhala isicwangciso sakho sisayinayo kwingqondo yakho ukuba ufuna ngokwenene ukuphuma kwetyala .
Awudingi isicwangciso esiyinkimbinkimbi - kwaye akufanele uwuthe gqithele kwiqondo lokuba kunzima ukunamathela. Konke okufuneka uyenze kubhala phantsi amatyala akho, umhla ofunekayo, intlawulo encinci , kunye nentlawulo eyongezelelweyo oya kuyenza kwinye lamatyala akho. (Ukuhlawula isamba semali kwityala elinye kwaye ubuncinci kuyo yonke into yindlela efanelekileyo kakhulu yokuhlawula ityala lakho.)
Emva kokuba ufake icebo lakho ngeyinki, libeke kwindawo ongayibhekisela kuyo rhoqo. Lungisa isicwangciso sakho njengoko uhlawula amatyala okanye unako ukuhlawula ngokuqhubekayo ngaphezulu kwetyala lakho ngenyanga.
3. Gcina Umkhondo Wentuthuko Yakho
Izilinganiso zakho ziya kwehla kunye nentlawulo nganye oyenzayo kwimeko enetyala lakho. Qaphela ukuba iikhredithi kwiakhawunti ezithotyelwa intlawulo encinci ziya kuhla kuphela ngexabiso elincinane ngenyanga. Ityala elifumana inkokhelo enkulu ngenyanga liza kuhlawuleza.
Uziva kakuhle malunga nentlawulo nganye oyenzayo, nokuba ingaba ubuncinci okanye ngaphezulu. Inyanga ngenyanga, ezi ntlawulo zibonisa ukuba uzibophezele ukuhlawula ityala lakho.
Njalo emva kwexesha, qhathanisa izilwanyana zakho zamatyala kwi-balance balance yakho ukuze ubone ukuba unjani imali oye uyihlawula ngoku. Musa ukuzibetha ukuba awukho apho ucinga ukuba uya kuba.
Kunoko, bhiyozela nayiphi na inkqubela phambili oyenzile kwaye uhlale uzimisele ukuqhubeka nohambo lwakho lwetyala.
4. Bhatala ngakumbi xa kunokwenzeka
Emva kokuba ubeke isixa ukuhlawula inyanga nganye, gcina kuyo. Kodwa, nanini na unako ukuhlawula ngaphezulu, yenza njalo. Umzekelo, ukuba ufumana ibhonasi evela emsebenzini wakho, ukubuyiswa kwemali yerhafu, okanye imvula engalindelekanga, ufake enye okanye yonke into ekujoliswe kuyo kwityala lakho. Unokuza ngenjongo nangemali eyongezelelweyo ityala lakho ngokusika iindleko, ukuthatha umsebenzi wesibini, okanye ukuvelisa imali engenayo kwi-hobby okanye ishishini.
Ukubona ukulinganiswa kwetyala lakho kuhlahlo kuya kukugcina ukhuthaze ukuhlawula ityala lakho.
5. Musa ukuchithwa ngamaZithintelo
Asikho abantu abagqibeleleyo. Izicwangciso zethu aziyi kufezeka. Kukho inyanga ukuba iindleko ezingalindelekanga zikugcina ekuhlawuleni ngaphezulu kwetyala lakho. Unokufumana isiganeko esibalulekileyo senkonzo esifuna ukuba wenze intlawulo encinane kwiimali zakho kwiinyanga ezimbalwa.
Akusiyo isizathu sokuyeka kwisicwangciso sakho. Endaweni yoko, jonga oko kwenzekayo ukuba ugcine ukuhlawula ityala lakho. Cinga malunga nokuba unokuthintela. Phakamisa kunye neentlawulo zakho rhoqo ngokukhawuleza. Lungisa isicwangciso sakho ukuba kuyimfuneko kwaye uhlale uzinikezele kwiinjongo zakho.
6. Yabelana ngesicwangciso sakho kunye nomntu onokugcina uxanduva
Abantu abaninzi baqala iiblogi kunye namaphepha eendaba loluntu ukuze babelane ngetyala labo, bahlale bephendula, kwaye bajoyine uluntu lwabantu abasebenza nabo ukuhlawula amatyala abo. Enye inzuzo yokubhanqa uhambo lwakho lwamatyala: unako ukuvelisa umvuzo, umzekelo ngeentengiso okanye izithuba ezixhasiweyo, ongayisebenzisa ukubeka ityala lakho.
Ngokomzekelo, khangela i-hashtag ezinxulumene namatyala, njenge "#debtjourney" okanye "i-debtfree", kwi-Instagram kwaye uya kufumana izithuba ezivela kubantu abasebenza bonke ekuhlawuleleni amatyala abo. Ungakwazi ukujoyina kwingxoxo ngokwabelana ngetyala lakho, inkqubela, kunye neengcebiso ozifumene luncedo ukunamathela kwisicwangciso sakho setyala.
Ukubambisana nomntu osebenzayo ekuphumeni kwetyala kuya kukunceda ukuba unamathele kwisicwangciso sakho somvuzo. Ingaba ngumhlobo, umlingani-mlingane, umlingane, okanye ilungu losapho. Unokubangela iingcamango okanye uxhasane xa uziva udimazekile.
7. Gcina kwiBhajethi yakho
Ukuhlawula ityala akuyiyo injongo onokuyifumanisa kwisithuba sokukhupha. Ezinye iinkalo zezimali zakho kufuneka zibe yinkqubela phambili kwimeko enetyala lakho. Yakha icebo lokuba uza kuchitha njani imali yakho ngenyanga: iindleko oza kuhlawula kunye nokuba uzakuchitha phi kwizinto ezifana negesi nokuhamba.
Buyela kwakhona kwibhajethi yakho yonke inyanga ukuqinisekisa ukuba uhlala kwikhosi. Ukuba uchitha imali, kunokukushiya ngemali encinci ukubeka ityala lakho kwaye ulibazise iinjongo zokuhlawulwa kwetyala lakho.
Ukuba ufumanisa ukuba uqhubeka uhlahlo lwabiwo-mali lwakho, hlaziya isicwangciso sakho ukuqinisekisa ukuba ihambelana neendleko zakho zinyani. Kungenzeka ukuba uye wangaphantsi kwemali oyisebenzisayo ngenyanga. Qaphela ukuba ukulungiswa kohlahlo lwabiwo-mali kungakufuna ukuba ulungelelanise isicwangciso sakho setyala. Kulungile. Ukufumana isicwangciso setyala esilungele uhlahlo lwabiwo-mali kubalulekile.
8. Musa ukudala amatyala amaninzi
Ukuqhubeka nokusebenzisa amakhadi wakho ekweretyala okanye ukuthatha imali-mboleko emitsha kwenza ububi bakho bube bubi ngakumbi. Unokudimazeka xa unombingelelo wokuhlawula ityala lakho, kodwa awuboni inkqubela phambili kuba udala amatyala amaninzi. Kunzima ukunamathela kwisicwangciso soxanduva lwakho lwetyala xa ubona injongo yakho iqhutyelwa phambili kwaye iqhubele phambili kwixesha elizayo.
Gxininisa ukuhlala phantsi kweendlela zakho kwaye unamathele kwisabelo-mali ukuze ungathembeli kwiikhadi lakho lekredithi. Ukuba awukwazi ukukhanyela ukusebenzisa amakhadi akho ekwereta, zibeke kwindawo ethile apho ungakwazi ukufikelela kuzo lula.
Kunokuba usebenzise amakhadi akho ekwerethi ukuhlawula izinto ongenakukwazi ukuzenza, gcina kwaye uhlawule imali.
9. Thatha iNgqungquthela encinane, ehleliweyo xa kufuneka
Indlela eya kwiinkohlakalo inkululeko ingaba yinde. Kungathatha iminyaka ukuhlawula ngokupheleleyo ityala lakho kuxhomekeke kwii-balance and balance you can afford to pay. Yonke into yokubingelelwa kwaye ayikho into enokuzonwabisa inokushukumisela ukuba udibanise kwaye wenze ukuba ufuna ukuyeka. Ngoko, rhoqo emva kwexesha, thabatha ikhefu elincinci kwisicwangciso sakho setyala ukuze uzonwabe.
Kungenzeka ukuba ungaphinde uhlawule. Qinisekisa ukuba ukhetha ukuchitha kwizinto eziza kukuzisa ukwaneliseka kwexesha elide. Khetha imali oyichithayo ayiyi kutshabalalisa inkqubela yakho, unamathela kuloo mali, kwaye ungasebenzisi ityala.
10. Khumbula ukuba Kutheni uhlawula amatyala akho
Ziziphi izinto ezenza ukuba ugqibe ukuhlawula ityala lakho kwindawo yokuqala? Ukukhusela ikusasa lakho lemali? Ukuhlala umhlalaphantsi okhululekile? Ukugcina imali kwimali kunye nemirhumo? Ngaba unokulawula ngaphezulu kwerhafu yakho yenyanga? Kukho izizathu ezininzi zokuhlawula ityala lakho. Bhala phantsi izizathu zakho kwaye ubuyele kubo xa usuvakalelwa. Ukwazi ukuba wenza isibingelelo ngesizathu esihle kunokukuncedisa ukunamathela kwisicwangciso sakho sokuhlawula ityala elide.
11. Funda iindaba zeNtuthuko
I-intanethi igcwele amabali avela kubantu abaye bahlawula imali eninzi yamatyala, mhlawumbi nangaphezulu kunokuba usebenza. Akunakwenzeka kuphela ukuba amabali asebenze njengomthombo wokuphefumlelwa, anokukunika iingcamango zezinto onokuzenza ukuhlawula ityala lakho.
Ukufunda ibali eliyimpumelelo kuza kukubonisa ukuba kunokwenzeka ukuhlawula ityala lakho nje kuphela xa unamathela kwisicwangciso sakho somvuzo. Thayipha ibinzana elithi "ibali lempumelelo yetyala" okanye "indlela endiyihlawula ngayo inkokhelo" kwinjini yokukhangela ukufumana imimiselo yembali yabantu abaye batshabalalisa iingxaki kwaye bahlawula ityala labo.
12. Gcina ukuphela kwengqondo
Umfanekiso wakho ngobomi ngaphandle kwetyala. Khawucinge ukuba luya kuba lukhulu kangakanani ukuhlawula iinyanga kwaye ungenalo ityala. Uya kuba nokulawula okungaphezulu kwiimali zakho kunye nenkululeko yokwenza izigqibo ezahlukeneyo. Mhlawumbi kubaluleke ngakumbi, cingisisa malunga nokuba uza kukhula kangakanani njengomntu oye waphumelela into enkulu.
Ukuhlawula ityala lakho lifanelwe kakhulu kunokwakheka kwithuba. Abantu bacwangcisa imibhiyozo yokugqitywa kweziganeko eziphambili zobomi - ukugqweswa kwekholejini okanye umhlalaphantsi wemisebenzi. Ukufezekisa into ebalulekileyo njengokuba uhlawula ityala lakho lifanelwe ukuthotyelwa. Kungaba luhambo, iplanga, okanye nje ubusuku kunye nefilimu oyithandayo. Cwangcisa nje ukugubha ityala lakho ngendlela enenjongo kuwe-ngendlela eya kukukhuthaza ukuba unamathele kwisicwangciso sakho somvuzo.