Iindlela ezili-10 zokufumana i-Pink Pink Slip ngokukhawuleza
Ngaphambi kokuba Uqale Ukuqinisekisa Ukuba Unako Ukuhlawula Imali Yakho Imali-mboleko Ekuqaleni Ngaphandle Kwezohlwayo
Ukuhlawula umboleko ngokukhawuleza akusayi kukusindisa nayiphi na imali ukuba imboleko yakho yemoto ibeka izigwebo ekuhlawuleni kwangaphambili.
Qinisekisa ukuba imboleko yakho yemoto ivumela ukuhlawulwa kwangaphambili. Uninzi lwemali-mboleko luvumela ukuba kuhlawulwe kwangaphambili. Kufuneka ukhathazeke ngokukodwa malunga nezohlwayo xa unesikolo sikweletu esibi kakhulu kwaye uvalelwe kwizinga eliphezulu kakhulu lenzalo.
1. Ukuhlaziya kwiNqanaba leNzala elincinci
Ingaba i- credit score score has improved since you have bought your car? Ukuba uhlawule zonke iintlawulo zakho ngexesha elilodwa kunyaka okanye ezimbini, kungenzeka ukuba amanqaku akho aphuculwe. Ukuhlaziywa kwemali kwisilinganiso esezantsi kuyindlela efanelekileyo yokuhlawula imali yakho yemali mboleko.
Iingongoma eziphambili zeMoto yeMali yokuRhafisa
- Yazi inzala yakho
- Khangela izinga elingaphantsi kwi- credit union , kwibhanki okanye kwi-intanethi
- Imali yezinga eliphantsi kunye nekota elifutshane
Khumbula ukuba uzama ukuhlawula ityala lakho ngokukhawuleza. Ukunciphisa umlinganiselo wakho wenzala kuthetha ukuba uza kuhlawula ngokubanzi, kodwa, akuthethi uya kuhlawula ngokukhawuleza ukuba ukhetha ixesha elide lokubolekisa.
Umzekelo, ukuba uneminyaka engama-3 ishiyelwe kwimali-mboleko yemoto kunye ne-rate ye-5 yepesenti yemali kunye nokuhlaziywa kwemali-mboleko yeminyaka emi-5 kunye ne-2.5% yezinga lentengo oye wandisa imali mboleko yakho iminyaka emibili.
Oku kukunciphisa intlawulo yakho kwaye ufake imali ephaketheni lakho ukuba uchithe kwenye ityala eliphezulu. Ukuba ukwandisa mboleko yakho yemoto, qinisekisa ukwandisa imali yakho yenyanga yokuhlawula ukuze uhlawule ngokukhawuleza.
2. Ukuhlawula imali yakho yeMali yeMali
Thatha inkokhelo yakho yemoto yenyanga , yahlule ngamabini, ngoku yenza loo mali yentlawulo nganye kwiiveki ezimbini.
Olu hlobo lwenkohliso epholileyo ukuba awuzange ulive oko ngaphambili. Ukuba uhlawula nganye iveki ezimbini, uza kwenza ama-50 ekhulwini kwintlawulo yakho ngamaxesha angama-26 ngokuchasene neentlawulo ezi-12 ngonyaka. Okubalulekileyo, uya kubakhokhela enye intlawulo enye xa unyaka.
Enye inzuzo kwiintlawulo zentlawulo yeekhethiweyo kukuba uya kuhlawula inzala encinane ngaphezu kwexesha le mboleko. Ukuhlawula nganye iveki ezimbini kuthetha ukuba ibhalansi yakho iyancipha ngokukhawuleza, ukunciphisa inani lemali ehlawulwayo kwi-balance balance yakho ngaphandle kokuhlawulwa kanye ngenyanga.
3. Bhatala kwixesha lakho lokuhlawula elongezelelweyo
Ukufana nokuhlawula ngokukhawuleza kukuhlawula ngokukodwa kwimali mboleko yakho yemoto kwixesha lakho lokuhlawulwa. Kungenzeka ukuba awuzange ucinge ngayo ngaphambili kodwa ukuba uya kuhlawulwa ngeveki uqhele ukufumana iintlawulo ezine ngenyanga. Iiinyanga ezine ngonyaka uya kufumana iintlawulo ezintlanu.
Ukuba uhlawulwa ngokukhawuleza, ngokuqhelekileyo uzisa imali yokuhlawula iinyanga ezimbini ngenyanga. Kwiinyanga ezimbini ngonyaka uya kuhlawulwa kathathu ngenyanga. Ezi zihlawulelo ezongezelelweyo ziyamnandi ukubethelela izinto ezinobungqina, kodwa zigqibelele ukuhlawula phantsi kwetyala lakho lemali mboleko. Khumbula ukuba ubeka kangakanani imali yakho mboleko, ngokukhawuleza uza kuhlawula.
4. Iintlawulo zetyala le-Snowball
Le ndlela isebenza kuwo onke amatyala, iintlawulo zemboleko zemoto zifakiwe.
Thatha inani lakho elincinci letyala, ubhale ukuba ufake nayiphi na enye imali eyongezelelweyo ukuze uhlawule. Emva koko thabatha imali oya kuhlawula kuloo matyala kwaye uyisebenzise kwisikwere sakho esilandelayo. Xa loo nto ihlawulwa, sebenzisa imali epheleleyo oya kuhlawula ityala lakho elizayo de lakho lonke ityala lakho liye.
Iintlawulo zetyala le-Snowball zisebenza kakuhle. Abanye abantu bakhetha ukuqala ngetyala lenqanaba eliphezulu kunomzuzu omfutshane wokuhlawula ityala. Ngayiphi indlela, iya kusebenza ukuhlawula ityala lakho. Ingxaki awukwazi ukongeza ityala elinye ngelixa ufune ukuphuma kwetyala. Amatyala angaba ngumlutha. Ukuxhamla ngokukhawuleza kukuva. Ityala liyakhupha kwaye liphelile lidibana. Yeka ukufumana ityala ukuze uhlawule.
5. Ukubuyiselwa kwemali yentlawulo, iibhonasi kunye nokuhlawula imali
Mhlawumbi ufumana le ngcamango ngoku, fumana imali eyongezelelweyo uze uyibeke kwimboleko yakho yemoto.
Ukufika kwimali ethile yindlela enhle yokunciphisa ibhalansi yakho yemali mboleko. Ukuhlawula ityala lakho ngoko uya kukwazi ukunandipha imali yakho.
Ukuhlawula iindleko zindlela enkulu yokuhlawula ityala. Ngokuphindaphindiweyo ukuphakanyiswa kwentlawulo akusiyo isamba esikhulu semali. Ingcaciso encinane ngenyanga nganye ilulahleka lula kwaye awukwazi nokuba iya kuphi. Ukuyongeza kwintlawulo yemboleko yakho yemoto kuya kwenza ukuba imali ibaleke into ethile. Uya kukwazi ukuba isetyenziselwa ukuvelisa kwaye ngokuqinisekileyo awuyi kuphinda ulilahleke.
6. Ukukhanya kwelanga
Ukuthatha umsebenzi owongezelelweyo kuyindlela enkulu yokuhlawula ityala. Ngaphezulu, uya kuba noxakeke kakhulu ukuba ungayisebenzisi nayiphi na imali. Khetha into oyithandayo. Umsebenzi wokukhanya kwenyanga kufuneka ube yinto evuyisa. Ukuhamba kwezinja, ukuhlawula, ukubhala, nayiphi na umsebenzi ogqibayo ukuyenza, qiniseka ukuba iguquguqukayo.
7. Thengisa Izinto kwi-Intanethi
Kuyinto enjengokufana negalaji ethengiswayo kuphela kwisilinganisi esikhulu. Ukuthengisa izinto kwi-intanethi kulula kunanini ngaphambili. Ungathengisa nayiphi na impahla yakho kwi-intanethi, imidlalo yebhodi, iincwadi, iimpahla, i-electronics kunye nokunye okuninzi. Abanye abantu bakwenza oko ukuze baphile.
Uthando oluhlola ukuthengisa igalaji? Zama ukuqokelela izinto ezintle ezithengiswayo kwiivenkile zokuthengisa igalaji kwaye uthengise nge-intanethi. Kuthatha i-computer ye-savvy ukuqala ukuthengisa nge-intanethi kodwa kunye nophando oluncinane, uya kuba nako ukuthengisa kwakho okokuqala ngaphandle kwexesha. Khumbula ukuba akudingeki wenze amawaka eedola, ngokukhawuleza ukukunceda ukuhlawula ityala lakho lemali mboleko. Nokuba imali engama-$ 25 ukuya kwi-50 kwinyanga inokuthatha inyanga kwixesha lakho lokubolekisa.
8. Ikhuphoni yokunyuka
Ukwahlula okwesabisayo. Awunanto ukuba undixelele ukuba iikholoni ezinomsindo zingaba njani, kodwa inyaniso yento kukuba isebenza. Iindleko zokutya ziye zaphazamiseka kwiminyaka yamuva kwaye ukondla intsapho yakho iyabiza kakhulu. Izindlela ezifanelekileyo zokunciphisa iindleko zokutya ziquka ukusebenzisa amakhuphoni, ukuthenga umthengi kunye nokunciphisa inkunkuma.
- Sebenzisa kuphela amakhonkoni kwizinto oqhele ukuzithenga ngazo.
- Khangela ukujonga ukuba isitolo sakho sevenkile sinekhuphoni kwaye qiniseka ukuyisebenzisa rhoqo
- Gcina ingoma yokulondolozwa kwakho, uya kuba nako ukugcina kuyo xa ubona ukugcinwa kwakho kwithenda ekupheleni kwenyanga. Qinisekisa ukuba usebenzisa ukulondoloza ukuhlawula ityala lakho.
9. Sika iCord TV
Ingaba uhlawula i-cable okanye i-satellite tv? Ndiyazi ukuba utshintsho lunokuba lukhuni, kodwa ukufumana imali eyongezelelweyo kwi-akhawunti yakho yebhanki inyanga zonke kunokunciphisa intlungu. Iinkonzo ze-TV njenge-Hulu kunye neNetflix zikhulu ngoku kwaye zinikela ngeendlela ezininzi. Imirhumo kunye neendleko ze-satellite zingasondela kwi-$ 200 ngenyanga kwiimeko ezininzi ezenza ixabiso kakhulu.
- IHulu iqala kwi $ 7.99 ngenyanga
- Isicwangciso esisisiseko seNetlix si $ 7.99 ngenyanga
Musa ukucinga ukuba ezi zimbini iinkonzo ziya kukwanela ukuzonwabisa nawe kunye nezingane? Ungalibali nge-Youtube kunye neenkonzo ezifana nee- AppleTV , i-Amazon Stick kunye ne-Chromecast zonke ezivumela ukuba ubukele iinkonzo ezahlukeneyo kumabonwakude, tablet okanye i-smartphone. Uninzi lwezinhlelo zokusebenza unikeza imibukiso yamahhala kwaye unokhetha i-la-chariot iifayili ezihlawulwe njenge-HBO Hamba kunye neWWE.
Ukuba imbono yokuyeka i-TV ibonakale iphosa kuwe, zama ukunciphisa iphakheji yakho kwiziteshi zendawo kuphela kwaye uzalisekise ezinye ezinye iinkonzo. Ungasindisa imali engama-$ 50 kunye ngenyanga kwaye unokuzama kwinyanga ezimbalwa.
Bala imali yakho yokulondoloza ngenyanga, sebenzisa i-calculator yemali yemali yokunceda ukufumanisa ukuba unokukhawuleza kangakanani ukuhlawula imali yakho yemali mboleko. Zenza ukuzibophezela kuwe ukwenza utshintsho de ukuboleka imali yakho yemali ehlawulwa ngokupheleleyo.
10. Yithenga i-Intanethi ye-Intanethi ye-Car Car
Mhlawumbi sele ufumene umgangatho we-inshurensi yemoto ephantsi kakhulu, kodwa, kukho ithuba elihle kakhulu lokufumana indlela yokunciphisa izinga lakho. Ukuba awuzange ungene ngeenxa yomshuwalense wenqwelo-mali engancinci kwiminyaka emibili edlulileyo, lixesha lokuphonononga umgaqo-nkqubo kunye nezinye iikopi ezithile.
- Thetha kwishishini lakho le-inshorensi malunga nezicwangciso ezahlukeneyo ezifumanekayo ukunciphisa indleko yomshuwalense wemoto. Ukuphonononga zonke izaphulelo kunye nokuvavanya ithuba lokutshintshwa kweengxowa-mali kunye nokukhutshwa.
- Fumana izicaphulo ezivela kwabanye abathathu abathwali bomshuwalense. Zama okusemandleni akho ukuba ufanisane ngokukhawuleza ukuze ufumane ukukhuphisana kwamaphuzu. Iphulo: Gcina ixesha ngokufumana izicaphuno ezivela kwi- inshurensi yomshuwalense ozimeleyo .
Ukuhlawula ngokukhawuleza amatyala kuthatha ininzi yokuthanda. Ngokufana nokulahlekelwa ubunzima, kuthatha ixesha. Ukubambisana kukukhokelela kwinkqubela phambili. Ukuhlawula iinyanga zemboleko yakho yemoto okanye nokuba yiminyaka yokuqala kukudala kwikamva lakho lemali. Akukho nto injenge nku luleko yokuba netyala elingenanto.
Thatha inyanga ukugubha umvuzo wakho, kodwa emva koko ubuyele kumzila ukuhlawula amanye amatyala okanye uhlala uqala ukugcina ukuthenga kwezithuthi ezilandelayo.