Yintoni iNgxowa-mali?
I-avalanche yamatyala iyisicwangciso esithandwayo sokubuyisela umboleki osebenzayo ekuhlawuleleni inkokhelo ephezulu-nzala, ngelixa uhlawula imali encinci kwezinye iimboleko.
Le ngcamango kukujolisa kwetyala eliphezulu elinokuthi libiza imali eninzi kwiintlawulo zenzalo.
Ukukhula kwenzalo kungenza kube nzima ukunyuka kwetyala, ngoko ukunyuka kwesi sikolo kunokunceda ukujongana nale ngxaki kwaye wenze inkqubela yangempela.
Indlela yokuSebenza kweMali yeMali
Ukuba unetyala, unakho ukufumana imali mboleko kwii-balance balance and various interest rates. Ngaphantsi kwetyala le-avalanche method, uza kuhlawula ubuncinci kuwo onke amatyala akho kwaye wabelane nayiphi na imali eyongezelelweyo kwi-matyala ephezulu.
Masithi unayo:
- Iingama-23,000 zamaRandi kwiingxowa-mali zabafundi kuma-4.29 ekhulwini
- $ 3,000 kwiitaliti yekhadi lesikweletu ngamaphesenti ama-15.59
- Imali-mboleko yemoto eyi-12,000 kwi-3.5 ekhulwini
Ukusebenzisa i-avalanche yamatyala, uya kwenza iintlawulo zemali eziphantsi kwenyanga kunye neengxowa-mali zemoto, kwaye ubeke yonke imali eyongezelelweyo kwimboleko ngemali ephezulu-kule ngxaki, ityala lekhadi lakho lesikweletu.
Ngoko ke masithi inani elincinci leentlawulo ezilingana no-R6 600 ngenyanga.
Kodwa emva kokukhangela uhlahlo lwabiwo-mali kunye nokunciphisa iindleko zakho, uyaqonda ukuba unokukhulula i-150 eyongezelelweyo ngenyanga, ukuvumela ukuba ubeke i-$ 750 ngenyanga malunga netyala lakho. Ngaphantsi kwendlela, ungayisebenzisa i-$ 150 eyongezelelweyo kwi-credit card yakho ngetyala nyanga nganye, unyuke kude kube ityala lihlawulwe ngokupheleleyo.
Xa oko kuhlawulwa ngokugcwele, uza kufaka imali eyongezelelweyo kwizinga eliphezulu lezala, eliya kuba ngumboleko wakho wemfundi. Xa oko kuhlawulwa, uya kuthi ke unike yonke imali eyongezelelweyo kwimali-mboleko yemoto.
Ngaphantsi kwetyala le-avalanche method, ibhalansi ayiluncedo kwaye ingqalelo yakho kuphela ekuhlaseleni ityala eliphezulu. Ukugxininisa kwi-matyala emininzi yokuqala kunye nokubeka imali engaphezulu kwiimali-mboleko kunceda ukunciphisa inzala phezu kwexesha, kukunceda ukuhlawula imali engaphezulu.
Inkqubo ye-avalanche yeyona matyala yinkqubo yokuhlawula amatyala eninzi kakhulu, eyabangela inzala encinci kunye nokuhlawula ngokukhawuleza. Enye indlela yindlela yokwenza i- snowball , ejolise kwibhalansi encinci yokuqala, kungakhathaliseki ukuba inzala yenzalo. Le ndlela isoloko ilungele ukukhuthaza - kulungile ukuba usule enye yamatyala akho ngokupheleleyo-kodwa inokubangela ukuhlawula umdla ngaphezu kwexesha.
Indlela yokuqalisa njani ngeTyala leNkcazo ye-Avalanche
Ngaba ulungele ukuqaliswa ngetyala le-avalanche kunye nomxobo wakho wetyala? Okokuqala, dwelisa zonke iimali-mboleko zakho, izilinganiso zemali mboleko kunye namanani omdla. Emva koko, faka yakho intlawulo encinci. Njenjalo:
Umzekelo:
Imali # 1: Ixabiso lentlawulo Inzala encinci
Imali # 2: Intlawulo yenani lentlawulo Inani eliphantsi lokuhlawula
Imali # 3: Intlawulo yenani lentlawulo Inani eliphantsi lokuhlawula
Yongeza zonke iintlawulo zakho ezincinci . Emva koko, jonga uhlahlo lwabiwo-mali kwaye ubone apho unokunciphisa khona okanye ukunciphisa imali . Ungakanani na onokukwazi ukubeka kwisikwere? Akunandaba nokuba i-10 kuphela ngaphezulu okanye i-$ 100 ngaphezulu. Ingundoqo kukuhlawula ngaphezu kokuncinci kumatyala akho.
Emva kokuba ubale ukuba kungakanani ongayifaka kwi-tyala, yenza isangqa semboleko ngemali enomdla omkhulu. Xa lixesha lokwenza iintlawulo zakho zenyanga, hlawula ubuncinci kwezinye iimali-mboleko zakho, ngelixa ubeka imali yakho eyongezelelweyo kwimali mboleko ephezulu.
Qhubekani ukwenza oku kude kuhlawulwe, ke gxininisa kwi-mboleko elandelayo ephezulu yemali mboleko. Uya kuqhuba le nkqubo uze uhambe unomdla ophezulu ukuya kumdla ophantsi (isalathiso sesiphambano esivela phezulu kunye nokuhla) kwaye lonke ityala lakho liyahlawulwa.
Qiniseka ukuba le ndlela izokukunceda ukugcina imali kwimali kwaye inokunceda ukuhlawula ityala ngokukhawuleza . Akunako ukunikela ngesishukumiso sokuba i-snowball ityala, kodwa izibalo zingasebenza ngokuzithandayo.