Ngaba Unokulahlekelwa Imali Ngokufumana Imbuyekezo Yentela?
Xa ixesha lerhafu lifika, ngaba le nto iyavakala?
"Ndifumana i-$ 3,000! Hooray! Ndiyathanda ukufumana imali yokubuyisela irhafu! "
Hmmm. Okuyinto engaqinisekanga.
Kwiimeko ezininzi, ukufumana imali yokubuyisela irhafu kuorhulumente kunokukuhlawula imali ngaphezu kokulungiswa kwemvume yokubamba irhafu ukuze ungayifumani imali.
Inyaniso Ngokufumana Imbuyekezo Yentlawulo
Ukuba ufumana imali yokubuyisela irhafu, oko kuthetha ukuba uhlawulisa iirhafu zakho, oku kuthetha ukuba unikezela urhulumente inzala-mboleko.
Uninzi lwabantu aluyikuqonda oko kuba banelisekile ukufumana inzuzo, kodwa ngokwenene, unokuba ukhonkxa ukuba imali phakathi nonyaka.
Ukuvumela urhulumente ukuba abambelele kwimali yakho ingaba yinto engalunganga, kwaye ingakumbi i-dicey kubantu abathwala ityala .
Ukuba unetyala - njengengeniso- mboleko yomfundi , ukuhlawula imoto, ibhalansi yekhadi lesikweletu, okanye kunye nemali-mboleko - uhlawula inzala kuloo matyala. Kodwa unika kunye noMalume uSam ngemali-mboleko engenamdla.
Ingakanani oku kukubiza? Makhe sijonge imeko.
Ukusebenzisa Imbuyiselo Yentela Yakho: Iingxelo ezimbini
Ngonyaka owodwa, uSally ufumana imali yokubuyisela irhafu yee-3,000 zamaRandi. Oku kuthetha ukuba uhlawule iirhafu nge $ 250 ngenyanga. Ulungelelanisa irhafu yakhe yentlawulo ukwenzela ukuba oku kusayi kuphinda kwenzeke.
U-Sally ufumana i-$ 250 eyongezelelweyo ngenyanga ngenyanga yakhe yokuhlawula.
Ngomnye umva kamva, uSally ufumana imali engama-15,000 yemali yemali mboleko kwi-8 yepesenti yentengo. Iintlawulo zakhe zi-$ 304 ngenyanga ngenyanga ezingama-60.
U-Sally usebenzise i-$ 250 eyongezelelweyo ngenyanga kwintengo yemboleko yemoto yakhe, ukwenza intlawulo yenyanga nganye i-$ 554.
Gcina ibali likaSally ngemuva kwengqondo yakho. Ngoku, makhe sicinge ngesibini imeko:
Ngunyaka omnye, uJohn ufumana imali engama-15 000 yemali yemali ngemali ye-8 yepesenti. Iintlawulo zakhe zi-$ 304 ngenyanga kwiinyanga ezingama-60 - ezifana ne-Sally mboleko.
Ngomnye umva kamva, uJohn ufumana imali yokuhlawula irhafu yee-3,000 zeeRandi kwaye isebenzisa yonke imbuyekezo ukuze enze intlawulo engaphezulu kwimboleko yakhe yemoto.
UJohn wenza imali engaphezulu kwama-3,000 entlawulo yakhe kwimoto yakhe minyaka yonke.
Ngubani osindisa imali engaphezulu, uSally okanye uYohane?
Ukubuyiselwa kweRhafu yakho kwiTyala lakho akulondolozi imali
U-Sally uhlawula i-$ 1,652 yeentlawulo zenzalo zakhe. Ngaphezulu, imoto yakhe iya kuhlawulwa kwiinyanga ezingama-30, endaweni yeenyanga ezingama-60.
UJohn ubetha i-$ 1,342 kuphela kwiintlawulo zakhe zomdla. Imoto yakhe ihlawulwa emva kweenyanga ezingama-36.
Ngamanye amazwi: UJohn ulahlekelwa iidola ezingama-300 kwaye uchitha iinyanga ezili-6 ezongezelelweyo ukuhlawula imoto yakhe, xa kuthelekiswa noSally.
U-Sally unciphisa ubude bemboleko yakhe ngesigqithiselo ngokusebenzisa i-$ 250 eyongezelelweyo ngenyanga ukuya kwintengo yemboleko yemoto endaweni yokuhlawula ngaphezulu irhafu yakhe.
UJohn ulahlekelwa ngama-dollar angama-300 ngokunika urhulumente imali-mboleko engenakunomdla ngelixa ahlawule umrhumo kwityala lakhe.
Yeka ngaphezu kweNtlawulo yakho
Ukuba ufuna ukuyeka ukuhlawula iirhafu zakho, nakhu izicebiso ezimbalwa:
# 1: Thetha kumcebisi werhafu wengcali ukuba ufumane indlela yokufumana idola elincinci elithathwe kwi-paycheck yakho ngaphambili. Umcebisi wakho werhafu uza kudala isicwangciso esenziwe ngokwezimo zakho.
# 2: Bala umlinganiselo kumvuzo wakho wokubuya ekhaya emva kokuba uhlalutye iirhafu zakho zerhafu. Umzekelo: uye wasebenzisa ikhaya ukubuyisela i-$ 1,500 i-paycheck, kwaye ngoku uzisa ekhaya i-$ 1,600 ngemali yokuhlawula.
Oku kuthetha ukuba uzisa ekhaya i-$ 100 eyongezelelweyo ngomvuzo.
# 3: Beka ukutshintshwa ngokuzenzekelayo kwaloo mali - kulo mzekelo, i-$ 100 - kwi-akhawunti yokulondoloza. Yisebenzise ukuxhasa i-fund yakho yexakeka, okanye ukuyisebenzisa ukuhlawula ityala.
Kubalulekile ukuba uqaphele ukuba esi sicwangciso sisebenza kakuhle xa ubeka isithuba seveki okanye ngenyanga ngokutshintshela ngokuzenzekelayo ngemali "eyongezelelweyo" kwi-paycheck yakho. Ukuba ugqiba ukuchitha loo mali kwii-trinkets, awuyi kuba nantoni na ekufuphi ukubuyisela ityala.