Iingcebiso zokubeka ubunzima bakho kumagama
Yintoni ebangela ubunzima?
Abantu abaninzi bacinga ukuba ubunzima busekelwe kuphela kwimicimbi yezemali, kwaye akunjalo ngokwenene.
Kukho nantoni na eyenza kunzima kuwe ukuba uqhubeke nokwenza inkokhelo yokuboleka imali ingakufanelekela ukufumana ubunzima.
Enye into ebhanki ayifuni ukuyibona ngumninikhaya ofuna ukuhamba ngenxa yokuba ikhaya alisayi kubaluleka inani elihlawulwe ngumnini. Nangona ukuhlaselwa kweyona nto ifanelekileyo ukuthengiswa okufutshane , ibhanki ayikho ngaphantsi kwembopheleleko yokunikezela ukuthengisa okufutshane kweso siseko.
Cinga emva kokuba uthabathe imali kunye nokuba ubomi bakho bufana nani. Ngaba itshintshe ukususela ngaloo ndlela? Ukuba imeko yakho ingatshintshi, ibhanki inokuthi unokukwazi ukuhlala ekhayeni lakho kwinqanaba lakho lokuhlawula. Ukuba imeko yakho yatshintshile, nantsi imimiselo engayifumana ubunzima:
- Ukungasebenzi
- Ingeniso eyancitshiswayo (ama-furloughs, umsebenzi omtsha, ukulahleka komsebenzi, ukuhlawula umvuzo)
- Ukugula okanye ukongxamiseka kwezonyango
- Ukutshintshwa kweYobhi (ngokuzithandela okanye ngokungenakuzibandakanya)
- Ukwahlukana, ukwahlukana okanye ubunzima bomtshato
- Imigaqo-mboleko yemali engaphandle (i -loan rateable rate rate )
- Inkonzo yezelizwe
- Ukufa kwintsapho
- Ku valelwa
- Ukunyuka kweendleko kunye netyala elininzi
- Ukulungiswa okungalindelekanga okanye ukugcinwa kwekhaya
Izinto ezisisiseko zencwadi yobunzima
Xa ndiqala udliwano ndlebe nabathengisi abafuna ukuthengisa ngokuthengiswa okufutshane eSigramento, ndicela abadayisi ukuba bachaze ubunzima babo.
Ama-Agents enza ezininzi zokuthengisa ezincinane ngamanye amaxesha angenakukhathazeka ngenxa yokuba sigxile kwiimanani. Ngokomzekelo, xa umthengisi ethi uhlukanisa, kuya kwenzeka ukuba amehlo am avule kwaye ndiyakuthi, "Ndiyinto enhle." Kodwa ke ndiyaqonda ukuba oko kufikeleleka, okungekho nhlobo ngendlela endenjongo ngayo. Kukulungele ukufumana umtshato xa uzama ukwenza intengiso emfutshane okanye umbolekisi ngenxa yokuba "ubunzima beentsebenziswano" ngokubanzi zihlangabezana nezikhokelo zebhanki kwiimeko ezixinezelekileyo. Akunakwenzeka ukuba amaqela ayahlukana.
Kwileta yakho yobunzima, ufuna ukuchaza izinto ezi-3:
- Indlela oye ngayo kwiimeko zakho zangoku (cacisa oko kwatshintshile ukususela xa uthabatha imali mboleko)
- Oko ukwenzile ukuzama ukukhupha le meko
- Kutheni le meko isigxina kwaye akukho nto ongayenza iya kuyitshintsha
Iingxaki zeeNobumba zeNzima
Ukubhala incwadi ebunzima akuyona into emnandi. Enyanisweni, kunokunyaniseka. Abantu abaninzi abanalwazi ukuba ubomi babo bubi kangakanani kuba baqala ukubhala unobumba obunzima. Ngamanye amaxesha, ukubona zonke izinto ezinobungozi kumnyama nomhlophe kuyamangalisa. Musa ukumangaliswa xa ukhala. Kodwa ungathathi i-90 degree degree uze uthethe ngendlela ubomi bakho buya kuphucula ngayo.
Ubonise ukuba ubomi bakho abuyi kuphucula. Enyanisweni, kuya kuba nzima kakhulu. Ukuba kukho ithemba ekugqibeleni, ukuba kukho ithuba lokubuyisela, ukuba uphinde uphinde uhlale, uthembele kum, ibhanki ayiyikuthintela ukubamba iqela uze ulifake entliziyweni yakho. Ukuba iinjongo zebhanki zisengozini, uxanduva okanye nayiphi na into ebonisa ibhanki onokuthi ube neendlela zezemali ngexesha elizayo ukubuyisela inxalenye yelinye ityala, ibhanki iya kugxuma kuyo njengentambo ekhulayo kwi-sundae. Ukuba ibhanki ibona ingeniso ehlawulwayo, inokucela inxaxheba yomthengisi ukunikezela ngokuthengisa okufutshane okanye ukukhanyela ukulungiswa kwemboleko.
Musa ukwabelana ngamathemba kunye namaphupha akho ngekamva ngebhanki. Ayikho ishishini lebhankini. Ibhanki ayikhathaleli ngawe okanye ikhusela isiseko sakho sexabiso lesitalato. Enyanisweni, ukuba ungowomngcipheko we-bankruptcy okanye ungena kwi- foreclosure , unobali obubi ebhanki kufuneka ulive.
Ngoko, wabelane ngebali elibi. Yi nyaniso.
Yintoni enye eya ebhalweni lobunzima?
Kufanele ubeke yonke into ngaphandle kwekhitshi yokucoca kwincwadi yobunzima kwaye ngoko, ngokulinganayo, ukuphonsa i-diski nayo. Sebenzisa amanani kunye neepesenti ukuchaza ukulahleka kwengeniso okanye ukuhamba kwemali engafanelekanga. Esikhundleni sokuthi uboleka imali ukwenza iintlawulo zentlawulo, tshengisa ixabiso lemali kunye nomthombo welo tyala njengokuba "ndiboleke i-$ 10,000 kwikhadi lam le-VISA ukwenza iintlawulo zam kwiinyanga ezi-6 ezidlulileyo, kwaye ndiyifake amakhadi ukuya kumakhulu. "
Ukuba imoto yakho idinga ukugcinwa okanye ukulungiswa, ukuba ikati inomdlavuza kwaye iifetti zakho zeemferensi ziyakhuphuka, ukuba abantwana bakho babulawa yindlala kwi-sandwiches ye-bhotela ibhokhwe, kwaye iminwe yakho igqithiselwe ukutshitshiswa ngokukhawuleza kwamanye abantu kwiipenki ngosuku ngenxa yakho Umama uye wangena kunye nosapho lwakho kwaye ufuna unonophelo lwangonyango lwamaxesha onke, ulibeke kwibhokisi yakho yobunzima. Yenza umfanekiso ogqithiseleyo onokuyenza ngokunyanisekileyo kwaye uqhubeke nokuhla.
Sebenzisa amagama alula ngokubhekiselele kwimfundo ye-6th grader. Ukuba awuzibuhlungu ngenxa yexesha ogqibileyo, mhlawumbi awuzange wenze lo msebenzi. Mhlawumbi kufuneka ubuyele kwileta yobunzima kwaye uhlaziywe ngamaphuzu ambalwa.