Amatyala ayikho into eyenzeka ngokukodwa okanye engozini njengoko uhamba malunga nokuphila kwakho kwansuku zonke. Kukho imikhwa ethile yokuchitha iikholeji. Ukuqaphela le migaqo ngoku kungasindisa imali eninzi kunye noxinzelelo emva koko. Ukuba ufuna ukuyeka ukudala amatyala amaninzi kwaye uhlawule ityala onalo, kufuneka uqede le mibi embi.
01 Ukuchitha imali engakumbi kunokuba wenze.
Unokungena kwi-weekends ezimbalwa okanye kwiinyanga ezimbalwa, kodwa kungekudala okanye kamva, umgama wakho wokumba imichimo yokuchitha imali uya kubamba nawe. Kungekudala, uya kuchitha imali yakho yokugcina imali, ukukhupha amakhadi akho krediti, kwaye uphume kwiindawo zokuboleka imali.
Gcina imali yakho kwingeniso yakho yenyanga ukwenzela ukuba uhlala kwiindlela zakho kwaye ungadalanga amatyala. Ukunciphisa iindleko zakho ngaphantsi komvuzo wakho kwaye usebenzise imali eyongezelelweyo ukuhlawula ityala lakho.
02 Ukuchitha imali ongenayo.
Ukuchitha imali engaphezu kokwenzayo kunikwe amandla ngokuchitha imali ongenayo okanye imali ongayifumana. Uchitha imali ongenayo ngokusebenzisa amakhadi-mboleko kunye nokuthatha imali-mboleko mboleko, ukunyuka kwemali, ukukhupha i-akhawunti yakho, njl. Xa usebenzisa ezi ndlela ukuhlawula iindleko kwaye wenze ukuthenga, udala ityala. Ukuba awuyi kubuyisela ngokupheleleyo ityala nganye ngenyanga, iya kuqhubeka ikhula.
Unokusombulula le mkhuba embi ngendlela efanayo nokuyeka ukuchitha imali eninzi kunokuyenza - ngokunciphisa iindleko zakho kwaye uthembele kuphela kwimali yakho engenayo ukuhlawula iimfuno zakho kunye neemfuno zakho.
03 Ukusebenzisa iitaliti ngokuthenga okuqhelekileyo.
Kufuneka usebenzise imali (okanye imali ekhoyo kwi-akhawunti yakho yokutshekisha) ukwenza ukuthenga kwansuku zonke njengezinto zokutya, igesi, iimpahla kunye nokuzonwabisa. Isibheno samakhadi-mboleko yikhono lokuhlawula kamva izinto ozithengayo ngoku. I-caveat kukuba awunako ukuhlawula i-bill yekhadi yekhredithi ngempahla oye wayidlile, nto leyo ininzi "ejwayelekile" yokuthenga. Ukusebenzisa iitaliti endaweni yemali ngumkhwa omubi, ngakumbi xa ungayikhokheli iibhidi zekhadi zekhredithi ngokupheleleyo ngenyanga.
Amanye amakhadi ekhredithi avuze iiprogram ezikuvumela ukuba ufumane imali, iimitha, okanye amaphuzu ngokuhlawula ngaphezulu kwikhadi lakho lesikweletu. Ukuba ukhetha ukwandisa umvuzo wakho umvuzo ngokuhlawula ngaphezulu, hlawula kuphela into oyithengayo ngemali kwaye uhlawule ukuthenga ngokukhawuleza.
04 Ukusebenzisa i-credit xa unemali.
Omnye umkhuba omubi okhokelela ekuhlawuleni amatyala kukukhetha i-credit ngekheshi xa unayo imali. Unokuba ufuna ukufumana iimpahla (okanye iinkonzo) ngaphandle kokuzihlawulela, kodwa ukulungele ukubamba imali kwimalletti yakho kuza ngeendleko. Amathuba kukuba, ukuba awufuni ukuyihlawula namhlanje, awuyi kufuna ukuyihlawula ngomso.
Ukutshintsha le mkhuba embi, kufuneka uzimisele ukuhlawula oko ufunayo ngemali oyizuzile. Qaphela ukuba ngelixa unokuyeka ukuhlawulwa kwentlawulo ngokusebenzisa iitaliti, uya kugqiba ukuhlawula ngaphezu kokuba uvele uchithe imali yakho.
05 Ukusebenzisa ityala ukuhlawula ityala.
Xa usebenzisa amakhadi-mboleko ukuhlawula amanye amakhadi kunye nemali-mboleko yokuhlawula ezinye iimboleko ongahlawulanga nantoni na. Uvele uxhaphaze ityala lakho kunye kwaye ufumane elinye ityala xa usenza njalo. Ukutshintshwa kweemali zintlawulo kunye neentlawulo zemali-mboleko zinomnye uhlobo lokuhlawula okanye ukuhlawula imali. Ngoko xa usebenzisa ityala ukuhlawula amatyala, uya kugqitha ngakumbi kunokuba uqale nini.
Ukusebenzisa ityala "ukuhlawula" ityala kunokuba luncedo ukuba ungadlulisela ibhalansi ukusuka kwikharityhulam yekhredithi ephezulu kumntu onomlinganiselo ophantsi. Nangona kunjalo, kufuneka uqaphele ukuba imali yokudlulisela imali ayigxothi imali yokugcina imali kunye nokuba inzala yakho yokunyusa emva kokunyusa ayiphumeli ngaphezu kwezinga lakho langaphambili. Ukutshintshela ibhalansi kanye okanye kabini ukuxhamla inqanaba elikhulu lihluke ngokuqhubekayo ukutshintshela izilinganiso ukukhawuleza iintlawulo zekhadi lesikweletu.