Ukuba unenkathazo yokuphelisa inyanga nganye, kwaye ukhangele iimpendulo, ukuhlanganiswa kwetyala kunokusebenza kuwe xa uqeqeshwe, uqonde okokudibanisa kunokukwazi ukwenza, kwaye ulandele imiyalelo embalwa elula.
Yintoni Ukuxhaswa Kwetyala?
Ukuhlanganiswa kwamatyala yinkqubo yokuqokelela amatyala akho kwiakhawunti enye kunye nentlawulo enye yenyanga. Ingcamango emva kokuhlanganiswa kukunciphisa inani leentlawulo omele ukwenze, kwaye ukuba kunokwenzeka ukunciphisa izinga lomyinge kunye nenani elipheleleyo elingaphandle kwenyanga, okwenza kube lula ukuhlawula imali.
Izinto zokukhumbula
Nangona ukuhlanganiswa kwetyala kunokuba yindlela efanelekileyo yokulawula ityala lakho, kukho izinto ezimbalwa zokukhumbula.
- Ukuhlanganiswa kwamatyala ngokubanzi akuyi kufaka imali ebolekileyo njengemali mboleko yakho yemoto . Kuya kufaka isicelo kwisikwere esingathelwanga njengekhadi lokuthenga ngetyala, iimali-mboleko zebhanki, imigangatho yemboleko kunye namanye amatyala njengemithetho yezonyango.
- Ukuhlanganiswa kwamatyala akuyi kusebenza ngaphandle kokuba uyeke ukusebenzisa amakhadi akho ekwereta kunye nezinye iakhawunti ozibandakanyayo ekuhlanganiseni. Inkambo efanelekileyo kukuba uvale iakhawunti kwaye unqumle amakhadi ekwereti. Abanye ababolekisi bamatyala banokubangela ukuba wenze oku njengemeko yemboleko.
Iintlobo zoLungiso lweMatyala
Kukho iindlela ezininzi zokuhamba malunga nokudibanisa amatyala akho. Nazi ezinye zokuqwalasela.
Imboleko yokuhlanganiswa : Amaziko amaninzi emali anikezela ngenye indlela yokuboleka kwemali mboleko , kubandakanywa amabhanki, imibutho yamatyala kunye neenkampani zezimali. Ukuba sele usenebudlelwane kunye nolunye wale maziko, kuya kuba yindawo enhle ukuqala, kwaye usenokufumana ukuphuka kwinqanaba lomdla.
Ngomboleko webhanki, uza kwenza intlawulo efanayo ngenyanga nganye ixesha elide, ngokuqhelekileyo kwiminyaka emithathu ukuya kwemihlanu. Kufana kakhulu nemboleko yemoto. Enyanisweni, ezinye iibhanki zinikeza ukuhlanganiswa kwemali mboleko ongayifaka i-akhawunti yokulondoloza okanye i-CD njengobuncwane. Oku kuya kubakho ukufumana iqondo elingcono, kodwa kunengqiqo xa ufumana isantya esiphezulu kwimali yakho yokugcina.
Ngaphandle koko, mhlawumbi uya kuba ngcono xa usebenzisa imali yokugcina imali.
Ngenxa yokuba umboleko wemali unomlinganiselo obekiweyo, kulula ukuwujonga inkqubela yakho kwaye wazi ukuba uza kukhululeka nini.
Ukudibanisa iKhadi leMatyala: Ukuba i-credit yakho sele isele kakuhle, unakho ukufumana ikariti yekhredithi apho ungadlulisela khona imali . Abantu bavame ukwenza oku xa befumana isibonelelo ngenani elikhangayo lokudluliselwa kwemali.
Qaphela ukuba oku kunokuchaphazela umlinganiselo wakho wekhredithi. Iziphumo ze-FICO ziqwalasela ukusetyenziswa kwakho kwetyala (ubunjani bekhredithi oyisebenzisayo xa kuthelekiswa nento ekhoyo kuwe) kunye nemali epheleleyo oyenayo, phakathi kwezinye izinto. Njengoko uhlawula iakhawunti, ukusetyenziswa kwakho kwetyala kuhla (okungenokuba kuhle kumanqaku akhokredithi), kodwa uya kuba neakhawunti enye kunye nokulinganisela okukhulu (okunokuchaphazela amanqaku akho kakubi). Nangona kunjalo, ukuba unomyinge ophantsi, uza kuba nokuhlawula i-akhawunti ngokukhawuleza.
Imali-mboleko ye-Ekhaya: Ukuba unobulungisa ekhaya lakho, unokukwazi ukusebenzisa imali yemali mboleko yemali ukuhlawula i-akhawunti yakho yemali ephezulu.
Ngenxa yokuba imboleko yokulingana yasekhaya ikhuselekile yipropati yakho yangempela uya kuthi ufumane isantya esilungileyo kunokuba uhlawula kwiakhawunti yakho yekhadi lekhredithi.
Kodwa leyo yinkemba ejikeleze kabini. Ukuba ungena enkingeni kamva kwaye awukwazi ukwenza iintlawulo zakho zemali-mboleko, ubeka ipropati yakho engozini ngenxa yokuba umnini-mboleko wakho uya kuba nelungelo lokwenza kwangaphambili imali yakho mboleko.
Imali-mboleko ye-401k: Izilumkiso ezifanayo zisebenza kwiimali-mboleko ezingama-401k . Ukuba kunokuba kubonakala kunomtsalane ukusebenzisa le mali enemali enayo kwi-akhawunti yakho yomhlalaphantsi ukuhlawula loo matyala, kodwa kufuneka uqaphele. Ukuba unenkathazo yokuhlawula loo mboleko, iya kuguqulwa ibe yihoxiso. Unokubethwa ngezohlwayo zokuqala zokuxhoma kwi-10%, kwaye kufuneka ukhokhe irhafu ongazange uyihlawule xa ubeke imali. Ukuba utshintshe imisebenzi, umboleko wakho we-401k unokufuneka uhlawulelwe kwiintsuku ezingama-60 okanye uthathwa njengesasazo (kunye neentlawulo kunye nentlawulo ngenxa).
Ukuhlanganiswa kunye neSicwangciso soLawulo lweMatyala
Ukuqhuba uphando lwe-intanethi "isicwangciso solawulo lwetyala" kwaye uya kuza neeninzi xa kungengamakhulu eenkampani ezinikela ukukunceda ufumane ulawulo lweemali zakho.
Ezi nkampani, ezininzi zazo ezithi zingenalo inzuzo, zikhusele isivumelwano esivela kubathengi bakho eziza kukuvumela ukuba uhlawule amatyala akho ngokwenza inkokhelo nganye inyanga nganye kwi-arhente, ehambisa intlawulo yakho phakathi kwababolekisi bakho.
Kwezinye iimeko, i-arhente iyakwazi ukukhusela izivumelwano zokuyeka inzala kunye neentlawulo ezisekupheleni, kodwa loo mvume iyazikhethela kwaye abanye abathengi banqwenela ukwenza kube lula kuwe. Ngokufanelekileyo, icebo lokuhlawula lixesha elimiselweyo eliza kuhlawula iakhawunti yakho ngokupheleleyo.
Ukubethelwa kwakho kukubambisana kunye nomntu onxulumene neSizwe soMcebisi ngeNgcebiso ngeMali. Unokufumana ii-arhente ezichaphazelekayo kwindawo yakho ngokusebenzisa inkinobho yokukhangela kwi-website.
Ukudibanisa kunye ne-Bankruptcy: Ukuba awuyi kukwazi ukwenza i-dent ecacileyo kwisikwere sakho esivela kuwe, unokufuna ukuqwalasela ukufaka imali kwi-bankruptcy. Akusiyo isiphelo sehlabathi, kwaye inezinto ezintle ngaphezu kwezinye iintlobo zokuhlanganiswa kunye nokuphathwa kwetyala. Unokwazi ukhetha phakathi kweSahluko 7, ukuchithwa ngqo, kunye neSahluko 13, isicwangciso sokubuyisela umvuzo iminyaka emithathu. Unokufunda okungakumbi malunga nezo nzuzo kwixesha lokucinga ngokucelwa phantsi kweSahluko 13 endaweni yeSahluko 7 .