Kubalulekile ukuqaphela ukuba ukulungiswa kwetyala kuhlukile kunokuba uyihlawule. Iya kufundwa njengoko ihleliwe kwingxelo yakho yekhredithi endaweni yokuhlawula ngokupheleleyo. Oku kunokunciphisa amanqaku akho ekhredithi, kodwa ukucima amatyala akhoyo asembi kunokuba uvumele ukuba bahlale kwi-credit report yakho.
Hlanganisa uluhlu lweeNgxowa-mali zakudala nezidlulileyo
Kufuneka uqoke uluhlu lwetyala lakho elibi. Enye indlela yokwenza oku kukuyalela ingxelo yengxelo yakho yekhredithi . Kufuneka uqale ngokubeka uluhlu lweemali ozenzayo, kunye neenkampani ezithatha ityala lakho ngoku. Unokufumanisa ukuba iinkampani zithengise ityala lakho kwii-arhente zokuqokelela, ukuba ngaba kunjalo, ngoko uya kusebenza kunye ne- agent agency ngaphandle kweenkampani zangaphambili. Kufuneka ufune ukuba ngubani onetyala lakho. Thatha ixesha lokujonga phezu kwamaphepha akho ngokucophelela ukuqinisekisa ukuba ujongene nenkampani echanekileyo. Kufuneka uhlawule amatyala avela kumncinci kuncinci.
Ukuxoxisana nokuHlaliswa kweMpahla enye ngexesha
Xhumana neenkampani enye ngexesha. Kungcono ukuba nenani elizimisele ukulihlawula. Ukuba ityala lincinane kwaye lingaphantsi kwama-$ 500.00, kuya kuba lula ukuhlawula imali. Xa uzama ukuxoxisana nokuhlaliswa, kuya kufuneka ukhethe inani elifanelekileyo ukunikela.
Ukuba unokukwazi ukuzama nje ukuba uzame ukuba inkampani ilahle ezinye iindleko kunye nezinye iimali. Ukuba unayo imali, kungcono ukuhlawula ityala ngokupheleleyo. Ukuba unzima ukufikelela kumntu phezu kwefowuni, cinga ukuba ungene kwaye uxoxe ngalo mbandela kumntu ukuba kunokwenzeka.
Fumana indawo yokuBhala ekuBhaleni ngaphambi kokuba wenze iintlawulo
Xa uthe waxoxisana nokuhlawulwa kwetyala , kufuneka ucele ukuba bathumele isivumelwano ngokubhaliweyo. Oku kuya kukunika ubungqina bokuthi uyihlawule ngokupheleleyo ityala. Xa ufumene oku, ngoko uthumela isheke malunga nemali evunyelweneyo kwinkampani. Oku kukukhusela kwinkampani ebuyela kwisivumelwano. Umele uthumele isheke somqeshi okanye umyalelo weemali kwaye ingekho isheke somntu. Uya kufuneka ugcine le leta kunye namaxwebhu akho abalulekileyo ngonaphakade.
Qhubeka kunye Nedyala Elilandelayo Kuluhlu Lwakho
Xa usususile enye ityala, kufuneka uqhubele phambili ukuya kwelinye elilandelayo. Uya kuhamba kwinkqubo efanayo kunye nenkohlakalo embi kwiluhlu lwakho. Kungathatha iinyanga ezimbalwa ukugcina imali ukuxoxisana nokuhlaliswa, kodwa kuya kubaluleka. Ukuba unempahla embalwa kufuneka ukwazi ukuhambisa uluhlu ngokukhawuleza. Ukuba uninzi, kungathatha ixesha elide, kodwa kulungele ukucima ingxelo yakho yekhredithi.
Iingcebiso ezibalulekileyo:
Qinisekisa ukuba uhlala kwixesha elikhoyo kwiiNkundla zakho
Kufuneka uqale kuleluhlu emva kokuba ukhona kwi-utility yakho kunye nezinye iindleko. Unokuyeka ukujongana namatyala ayenzileyo uze usebenze ngaphezulu kwinqanaba le- snowball yakho . Nangona kunjalo, iinkampani onetyala zinokumangalela kwaye zihlolisise umvuzo wakho, ukuba oko kwenzeka, loo matyala kufuneka afikelele phezulu kwinqanaba le-snowball yakho. Ukuhlala okwangoku kwizinto zakho zokusebenza kunye namatyala asebenzayo kuya kunceda ukuphakamisa amanqaku akho.
Yilungiselele ukuhlawula ngaphezulu kweentlawulo xa ubeka iiRhafu
Naliphi na ityala elixolelwe libhekwa njengengeniso, ngoko kubalulekile ukuba ulandele ingqalelo xa uxoxisana nokuhlawulwa kwetyala. Unokufuna ukulungelelanisa i-holdings yakho ukuze ungabi ne-IRS ekupheleni konyaka. Yinkqubo elula ukutshintsha iindawo zakho zokubambelela njengoko kufuneka.
Yenza uhlahlo lwabiwo-mali kuqala
Kufuneka wenze konke onokukwazi ukukhusela ekubeni ungaphambuki kwiibhili zakho kwixesha elizayo. Indlela efanelekileyo yokukhusela oku kukulandela uhlahlo lwabiwo-mali, ukuphuma kwetyala kwaye ugcine imali ngenyanga. Kuya kukulungiselela ngokukhawuleza kunye nezinye iindleko ezingalindelekanga. Unokuqala ukuhlambulula iimali zakho namhlanje.
Yibambelele
Nangona kungathatha ixesha lokucima amatyala amandulo kunye namabi, kuyafaneleka. Awusayi kuba nexhala lokuba ityala liya kuza ngokukhawuleza. Ikwacoca ingxelo yengxelo yemboleko, eya kwenza kube lula ukuthenga ikhaya.
Cinga ngezinye iindlela iindlela
Unokuqwalasela ukusebenzisa inkampani yokuhlawula amatyala, i- arhente yokucebisa ngekhredithi okanye ukuvakalisa i- bankruptcy ukujongana netyala lakho kwaye uqale ukuqala. Kukho iziphumo ngokusebenzisa nganye yezi zikhetho. Kubalulekile ukuphanda ngenyameko nganye yeenkampani ngaphambi kokuba usebenzise enye kuba nangona kukho iinkampani ezisemthethweni ngaphandle apho, ezinye zihlaziyi okanye zingekho mthethweni. Ukumisela ityala ngokwakho kukubeka ekulawuleni yonke inkqubo.