Imali Elula Ayiyi Kukhululeka
Umvuzo we-Payday ngumvuzo omncinci wemali owenzelwa umntu ngokusekelwe kwinto yokuba umboleko kulindeleke ukuba ubuyiselwe ngokuhlawula kwabo okulandelayo.
Eyona nto ithanda ukufumana inxalenye yakho yokuhlawula ngokuzayo ekuqaleni. Ixesha lokubuyisela lixhomekeke kwindlela ohlawula ngayo rhoqo. Umboleki kulindeleke ukuba abonise ubungqina bengqesho kunye nesitatimende sebhanki. Umfaki-mboleko wesicelo-mboleko ke ubhale isheke esilandelayo emva kwexesha lemali mboleko kunye neerhafu. Ezinye iindawo zifuna ikhefu ukuba ibe ngumhla wokuba umboleki ufumana imali. Ngaphantsi kwesi simo, umboleki uyasayina isivumelwano sokuthi isheke siya kubanjelwa ngumboleki-mali kuze kube ngumhla ovunyelweneyo wokuhlawula. Esi sivumelwano siba yimfuneko kuba abaninzi bathi akasayi kuvumela ukuba umntu abhale isheke esilandelayo emva kwexesha.
Ngomhla umboleko ozayo ufanelekile, ummkeli we mboleko uya kungena kwisitoreji sokubolekisa ukuhlawula imali mboleko. Ukuba akunakwenzeka ukuba umntu angene esitolo, inkampani yemboleko ingayifaka isheke ngqo kwiibhanki zazo. Ukuba umntu obolekayo akayi kubuyiselwa imali mboleko ngelo xesha, umbolekisi unokuba lunwezelwayo olungabandakanya imali eyongezelelweyo.
Ukungaphumeleli ukubuyiselwa kwezi mboleko kungabangela ukuba umntu obolekisile usongela intshutshiso yolwaphulo-mthetho okanye ukhangele ubuqhetseba.
I-Downside yeMali elula
Ezi mboleko zihlala ziphethe itekiti ephezulu. Iindleko zemali zivela kwi-15 ukuya kwi-30 ekhulwini yemali ebolekelwe. Ekubeni ama-15 ukuya kuma-30 ekhulwini kwiiveki ezimbalwa nje, xa kuthelekiswa nokufumana imali mboleko ngepesenti yepesenti yonyaka malunga nama-800 ekhulwini.
Ngenxa yokuba iimali-mboleko zokuhlawula i-payday zilula kakhulu ukufumana kunye nokungabikho kwemvume yokuhlolwa kwekhredithi, iinkampani zihlala zixhamla kwiindawo ezincinci zengeniso ziyazi ukuba ziyakwazi ukufumana enye yale mboleko. Ingcipheko kule nto baninzi bala bantu sele befumana ubunzima bezezimali kunye nokuboleka imali ngezinga elinomdla ophezulu nje kwenza izinto zibe zibi nakakhulu. Ukongeza, abaninzi bala bantu bafumene abakwazi ukuhlawula imali mboleko xa kufikelelwe. Le meko ibangela iindleko ezongezelelweyo zeebhanki zokuhlola i-bounced kunye neendleko zemboleko okanye kufuneka zandise umbolekiso, kubangele iirhafu ezingaphezulu. Abaninzi bala bantu bazibetha ngomjikelezo onobungozi. Bahlawula imali mboleko kwi-dayday ezayo kodwa bafumanisa ukuba abanakho imali efunekayo ukuze bahlawule iindleko zabo. Emva koko baya kuzifumana bebuyela emva komnye umboleko wemivuzo. Lo mjikelo unokuqhubeka ngokungenammiselo kuba akukho mda kumaninzi kangangoko umntu angafumana le mboleko.
Payday Loan Alternatives
Kukho iindlela ezininzi zokufumana umboleko wemivuzo. Into engcono kakhulu ongayenza ukuze ugweme leentlobo zemali-mboleko kukudala uhlahlo lwabiwo-mali ukuze ukwazi ukuhlawula iindleko. Nciphisa izinto ezininzi ezingenakudinga ukuthenga ngokusemandleni. Faka loo mali kwi-akhawunti yokugcina.
Nokuba utshintsho oluthile olufumaneka kwindlu luya kufakwa kwi-savings. Beka ibhajethi yokutya, iifowuni kunye nokusetyenziswa kwepetrothi. Oku kungenziwa ngokuthenga kuphela izinto ezifunekayo xa kwisitolo sevenkile. Khangela kwizicwangciso zeseli ezinikela ngesantya sobume beenombolo ezibizwa rhoqo. Xa usebenza ngeendlela, zama ukwenza abaninzi kubo ngohambo olunye, ukugcina uphethiloli esikhundleni sokuba wenze uhambo oluninzi.
Enye indlela yokubolekisa ngemali yomvuzo xa kwenzeka ukuba iindleko ezingalindelekanga ziza kuqala ukuhlawula umvuzo kwi-paycheck yakho kumqeshi wakho. Abaqashi abaninzi banikela oku kubasebenzi babo kwiimeko ezingxamisekileyo. Abaqeshi bafuna ukugcina abasebenzi abonwabileyo. Ngoxa le nto ayisoloko isebenza, kwaye awukwazi ukuyenza umkhwa, ukuba ujongene nxamnye noxinzelelo oluyinyani kwaye uyinyusa nomqeshi wakho ithuba lokuba ufumane uncedo oluthile lwemali.
Ungaphinda ufune ukuqwalasela ivenkile yokuthenga i-pawn. Uninzi lwabantu lunento enokubaluleka enokuthi iguqulwe njengezinto zokugqoka ezindala, izixhobo, kunye ne-electronics ezingasetyenziselwa ukuxhamla umboleko wesikhashana kwi-shop. Ufumana imali ngempahla yakho kwaye ungabuya uze ubuyisele imali mboleko uze ufumane into yakho. Ukuba awukwazi ukuhlawula umboleko, isitolo se-pawn sigcina into owanike yona. Ngoko, wagqiba ngokuthengisa ngokuthe ngqo into yakho. Le nto ibhetele yindlela engcono kunokuba ufumane umboleko wemihla yomvuzo ongenakukhuseleka kwaye uhlaselwe iimali ezigqithiseleyo kwaye uzifumene kwisikwere esiyingozi.
Nangona kungenjalo, ukunyuswa kwekhadi lokuthenga ngetyala kuya kuba yinto engafanelekanga kwimali-mboleko yokuhlawula. Nangona amazinga enzala asebenzayo kunye nokukhawuleza ngekhadi lekhredithi, lunokukunceda kakhulu kwimeko yesoxinzelelo sexesha elilodwa. Ngokufanelekileyo, uya kuba neengxowa-mali ezikhawulezileyo ezibekwe ukujongana neengxaki zemali, kodwa ikhadi lekhredithi liya kusebenza kwipiniki kwaye endaweni yokuhlawula iipesenti ezingama-700 u-APR ngomhla we-mboleko yomvuzo uya kuthi ushiyeke ngamanye ama-25 eepesenti ngomhla we-APR ikhadi letyala. Akulungile, kodwa kusengcono kuneentlawulo zemboleko zemivuzo.
Ekugqibeleni, ukucela abahlobo okanye intsapho ngemboleko yokuncedisa ukufumana ixesha elibi kunokwenzeka. Uninzi lwabantu luneentsapho okanye abahlobo abaya kubaboleka ngemali efunekayo ukuncedisa ngeendleko ezingalindelekanga okanye ngeengxaki. Incinci ingabandakanywa kule mboleko kunye namalungiselelo ngamanye amaxesha angenziwa ukuba akhokhe imali mboleko kwii-installments ngokuhamba kwesikhathi. Ngokuqinisekileyo, ububele buya kubuzwa kuwe ngelinye ilanga kwaye imali ingonakalisa ubudlelwane, ngoko kuya kufuneka kube yinto enye yokugqibela.