Ufuna ukukhaba ityala lakho kwinqanaba? Ezi ngcebiso ziya kunceda
Ngomnyaka oqhelekileyo, umthengi oqhelekileyo uchitha amawaka eedola kwiityala ezivela kumakhadi-mboleko, iimali-mboleko zemoto, kunye neentlawulo zemboleko. Ukususela ngo-2015, umzi osisiseko wenza i-$ 15,762 ehlawulwe ngamatyala ekhadi lesikweletu. (Umthombo: Isifundo seTyala leNkcazo yeMatyala yaseMelika yase-American NerdWallet.)
Ngenxa yokuba amaninzi amakhadi enetyala anenani lentengo ye-15 ukuya kuma-25, abathengi bachitha ama-dollar ngamanqaku ngamnye ngonyaka.
Nazi iingcebiso ezisixhenxe ezinokukunceda ukulahla ityala lakho.
Yenza uhlahlo lwabiwo-mali
Abantu bangena kwityala kuba bachitha imali engaphezulu kunokuba benza. Uhlahlo lwabiwo-mali lukunceda ukuba ugweme ukwenza oku. Ikuvumela ukuba ubone imali enokuyifumana kwaye apho loo mali iya khona. Ikuvumela ukuba uqaphele indawo apho uchitha imali ngokutya ngaphandle kwiindawo zokudlela ezibizayo okanye ukuthenga i-$ 5 indebe yekhofi imihla ngemihla.
Yenza isabelomali esingahlambulukanga esivumela ukuba uhlawule iimfuno ezifana nerenti yakho / imali kunye nezibonelelo. Beka eceleni yonke into ukuhlawula ityala lakho ngokukhawuleza. Gcina ekuthengeni izinto zokunethezeka kude kube yilapho unqobile ityala lakho. Ukukhanyisa iinwele zakho, ukuthenga iimpahla ezintsha kunye nokutya kwiindawo zokutyela zizinto zokunethezeka, kungekhona iimfuno.
Khuphela iiCredit Credit yakho
Yeka ukusebenzisa amakhadi enetyala xa unetyala . Qala ukuthwala imali endaweni. Gcina kwibhajethi oyidala kwaye uthenge kuphela into onokuyihlawula ngayo ngemali.
Amakhadi a matyala anenani lentengo ephezulu. Abantu kuphela abamele baphathe amakhadi esikweretyala ngabo bangakwazi ukuphepha isilingo sokuchitha imali. Ukuba ucinga ukuba unokwenza isilingo, susa amakhadi ekwereta ukusuka kumfanekiso ngokupheleleyo. Shiya amakhadi akho ekhaya. Kulungile kodwa, qhawula amakhadi akho ekhredithi kwi-block yeqhwa ukuze ungayisebenzisi.
Ukuhlawula ngaphezu kweNcinci
Iikhampani zekhadi lokuthenga ngetyala zizuzisa inzala yabo, ngenxa yokuba bayazi ukuba abaninzi abasebenzisi benza kuphela intlawulo yenyanga. Kulungile kwiikhampani zekhadi lesikredithi kodwa ezimbi kwi-wallet yakho.
Masithi unama-$ 5,000 kwi-card credit card kwi-18% inzala, kwaye uyenzela ukuhlawula ubuncinci be-$ 150 ngenyanga (iipesenti ezintathu zebhilikhi). Kuya kuthatha iminyaka emi-3 kunye neenyanga ezili-11 ukuhlawula ityala, kwaye uza kuchitha i-$ 2,000 kuphela kwinzala. Imali eninzi.
Abanikazi bamakhadi abemali-mboleko banomthwalo wokuhlawula i-bill yonke ukususela ngenyanga ukuya kwenyanga. Ukuba awukwazi ukwenza oko, ke ubuncinane uhlawule ngaphezu kwenkokhelo encinci inyanga nganye de ihlawulwe ityala.
Ngetyala eliPhambili
Ngaba unetyala lekhadi lamatyala? Abathengi abaninzi baxatyiswe ngamatyala abo ukuba abazi ukuba baqale kuphi. Nazi iindlela ezimbini zokukwenza:
Indlela ye-Snowball - Qalisa kunye nekhadi elinamatyala amancinci. Gxininisa ekuhlawuleleni konke oko ngokukhawuleza, nangona oko kuthetha ukuba unokwenza intlawulo encinci kwezinye iikhadi zamatyala. Ngokukhawuleza ityala liye, bhetele. Emva kokuba ikhodi encinci ihlawulwe, qalisa inkqubo kwakhona ngeyesibini-encinci de ihlawulwe onke amakhadi akho.
Indlela yoTywala - Qalisa ngekhadi elinomlinganiselo ophezulu wezala. Ukuyihlawula ngokukhawuleza njengoko kunokwenzeka, ngelixa nje yenza intlawulo encinci kwezinye iikhadi zamatyala. Xa inzala yakho inomdla ephezulu ihlawulwa, jolisa yonke imizamo yakho ekhadini ngenqanaba lesibini eliphezulu.
Ukuhlaziywa kwakhona kweeMali zokuThengisa
Ukuhlaziywa kwakhona kwenzalo yakho yemithwalo yemali kukuvumela ukuba ugcine imali engaphezulu ngenyanga. Ngokomzekelo, ukuba izinga lakho lomdla lihla ukusuka ku-7% ukuya ku-5% kwi-150,000 ye-mortgage, uya kulondoloza i-$ 192 ngenyanga. (Emva koko ungayisebenzisa le mali ekuhlawuleni amakhadi akho ekwereta!)
Akubona wonke umntu onokuphinda axoxisane nabo ngemali yabo yokuthenga imali, kodwa ukuba unengxaki yezemali ngenxa yokulahlekelwa ngumsebenzi okanye ukugula okukhulu, ababolekisi abaninzi baya kuphinda baxoxisane xa kunikezelwa ukuhlala kwakho okuphambili.
Ababoleki abaninzi banokuthatha inxaxheba kwiNkqubo yoHlelo oluHloniphekileyo lweNdlu ngelo rhulumente karhulumente.
Iziqinisekiso kule nkqubo zichaza ukuba kufuneka uhlawulwe i-$ 729,750 okanye ngaphantsi ngaphaya kwe-31% kwi-mortgage yakho kwaye ufumane imali yakho ngaphambi komhla kaJan. 1, 2009.
Ukuxhaswa kwemali yokuThengiswa kwemali
Ukuhlaziywa kwakhona kukunye ukhetho kubanini bezindlu abafuna ukuphuma kwetyala. Ukuxhaswa kwemali ayihlawuli (okanye ukuxolela) ityala lakho. Kunoko, uhlengahlengiso lwemali yakho yokuthenga ngemali kwisilinganiso esincinane somdla.
Nangona ukuhlengahlengiswa kwehlisa iindleko zakho zenyanga, kuya kufuneka uhlawule iindleko zokuvala. Iindleko zokuvala ziyahluka ukusuka kumawaka ambalwa ukuya kwiiwaka eziliqela, kuxhomekeke kwixabiso lekhaya lakho kunye nobukhulu bempahla yakho.
Kwezinye iimeko, iindleko zokuvala zingabiza ngakumbi kunokuba ulondolozo lwangempela olufumanayo ukusuka ekuhlaziyeni. Thelekisa kangakanani na oza kusindisa ngokunciphisa amaxabiso enzala ngokubhekiselele kwinto oza kuhlawula ngayo kwiindleko zokuvala. Khetha ikhetho ekunika imali enkulu yokugcina imali, nangona oko kuthetha ukuhlangabezana neentlawulo eziphezulu zenyanga kwixesha elifutshane.
Qala Ukugcina
Xa usugqibile ukuhlawula ityala lakho lekhadi lesikweletu, qalisa ukubeka loo mali eyongezelelweyo kwi-akhawunti yokulondoloza esikhundleni sokukhawuleza ukuthenga into ebiza ngekhadi lesikweletu. Yenza umkhuba wokugcina kwangaphambili ukuthenga, kunokuba ungene kwiityala.