Wonke umntu onotyala elincinci kufuneka alawule amatyala abo. Ukuba unetyala elincinci, kufuneka uqhubeke neentlawulo zakho kwaye uqinisekise ukuba awuphumeli kolawulo. Ngakolunye uhlangothi, xa unesibalo esikhulu semali , kufuneka ubeke umgudu omkhulu wokuhlawula ityala lakho ngelixa uhlawula iintlawulo kwiingxowa-mali ongekho ngoku.
01 Yazi ukuba ngubani na uninzi kangakanani.
Musa ukudala uluhlu lwakho kwaye uyilibale ngalo. Khangela uluhlu lwakho lwamatyala ngezikhathi ezithile, ngakumbi njengoko uhlawula iibhili. Hlaziya uluhlu lwakho zonke iinyanga ezimbalwa njengoko inani lakho ityala liguquka.
02 Bhatala iindleko zakho ngexesha nganye ngenyanga.
Ukuhlawulwa kwexesha elide kwenza kube nzima ukuhlawula ityala lakho kuba uya kufuneka uhlawule umrhumo wexesha elifutshane kuyo yonke intlawulo oyilahlekileyo. Ukuba ulahlekelwa iintlawulo ezimbini ngokulandelelana kwaye inqanaba lakho lomdla kunye neendleko zemali ziya kwanda.
Ukuba usebenzisa inkqubo yokukhawuleza kwikhompyutheni yakho okanye i-smartphone, faka iintlawulo zakho apho kwaye usethe uqaphiso ukuze kukukhumbuze iintsuku eziliqela ngaphambi kokuba inkokhelo yakho ihlawulwe. Ukuba uyaphuthelwa intlawulo, ungalindeli kude kube umhla olandelayo wokuthumela intlawulo yakho, ngoko ke unokuxelwa kwi-credit bureau. Endaweni yoko, thumela yakho intlawulo ngokukhawuleza ukuba ukhumbule.
03 Yakha ikhalenda yokubhalwa kwebhilikhi yenyanga.
Sebenzisa ikhalenda yokuhlawula ibhilikhi kukukunceda ukuba ufumene ukuba yiziphi iibhilidi zokuhlawula kunye nokuhlawula. Kwikhalenda yakho, bhala umrhumo werhafu ngamnye emva komhla ofunekayo. Emva koko, gcwalisa umhla wokuhlawula nganye. Ukuba uhlawulwa kwiintsuku ezifanayo nyanga zonke, njengowoku-1 no-15 th , ungasebenzisa ikhalenda efanayo kwenyanga ukuya kwenyanga. Kodwa, ukuba ukuhlawula kwakho kuwele kwiintsuku ezahlukeneyo zenyanga, kuya kunceda ukwenza ikhalenda entsha kwinyanga nganye.
04 Yenza okungenani inkokhelo encinci.
Ukuba awukwazi ukuhlawulela nayiphi na enye into, ubuncinane wenze inkokhelo encinci. Ewe, inkokhelo encinci ayinakunceda wenze inkqubela yangempela ekuhlawuleni ityala lakho. Kodwa, igcina ityala lakho lingakhuli kwaye ligcina i-akhawunti yakho ngokuma kakuhle. Xa ulahlekelwa iintlawulo, kuba nzima ukufumana kwaye ekugqibeleni i-akhawunti yakho ingasetyenziswa.
05 Qinisekisa ukuba zeziphi izikweletu zokuhlawula kuqala.
Ukuhlawulwa kwetyala kwikharityhulam kwikota yekhredithi kuqala kuyisicwangciso esihle kakhulu kuba amakhadi enkoleko aneemali eziphezulu ngaphezu kwamanye amatyala. Kuzo zonke iikhadi lakho lokuthenga ngetyala, lowo unomyinge onomdla ophezulu udla ngokubaluleka ekubuyiselweni kwembuyekezo ngenxa yokuba ubiza imali eninzi.
Sebenzisa uluhlu lwakho lwamatyala ukubeka phambili kunye nokubeka amanqaku akho kwiimali oza kuwuhlawula. Unokukhetha kwakhona ukuhlawula ityala nge-balance balance.
06 Ukuhlawula iqoqo kunye nokuhlawula imali.
Unokuhlawula kuphela kwi-matyala akho njengoko unakho ukuthenga. Xa unciphise imali yokubuyisela amatyala, gxininisa ukugcina amanye ama-akhawunti ngokuma kakuhle. Musa ukuhlawulela ii-akhawunti zakho ezintle kulabo sele bechaphazele i-credit yakho. Endaweni yoko, hlawula ezo akhawunti ezidlulileyo xa unako ukukwenza.
Qaphela ukuba ababolekisi bakho baya kuqhuba imizamo yokuqokelela kwi-akhawunti yakho de uze uyibuyisele i-akhawunti yangoku kwakhona.
07 Sebenzisa i-fund yexakeka ngokukhawuleza ukubuyela.
Ngaphandle kofikelelo lokugcina imali, kufuneka uhambe ematyaleni ukuze uhlawule iindleko zongxamiseko. Nangona i- fund encinci yenkxaso-mali iya kubambisa iindleko ezincinci eziza rhoqo emva kwexesha.
Okokuqala, sebenzela ukudala isikhwama esincinci se-urgence - i-$ 1,000 yindawo efanelekileyo yokuqala. Xa unako oko, yenza kube ngumgomo wakho ukudala isikhwama esikhulu, njengama-$ 2,000. Ekugqibeleni, ufuna ukuhlawula iindleko zokuhlala kweenyanga ezintandathu.
08 Sebenzisa uhlahlo lwabiwo-mali lwenyanga nganye ukucwangcisa iindleko zakho.
Ukugcina uhlahlo lwabiwo - mali kukunceda uqinisekise ukuba unayo imali eyaneleyo yokuhlawula iindleko zakho zenyanga. Cwangcisa ngokwaneleyo kwangaphambili kwaye ungathatha isenzo sokuqala xa kubonakala ngathi awuyi kuba neyanele imali yeebhilikhwe zakho kule nyanga okanye ngokuzayo. Uhlahlo lwabiwo-mali luyakunceda uceba ukuchitha nayiphi na enye imali eyishiye emva kokuba iindleko zifakwe. Ungayisebenzisa le mali eyongezelelweyo ukuhlawula ityala ngokukhawuleza.
09 Qaphela iimpawu ozifunayo uncedo.
Ukuba ufumene nzima ukuhlawula ityala lakho kunye nezinye iindleko kwinyanga nganye, unokufuna ukufumana uncedo kwiinkampani zoncedo lwetyala, njengeziko leengcebiso ngekhredithi . Ezinye iindlela zokuncediswa kwetyala zihlanganisa ukuhlanganiswa kwetyala , ukuhlawulwa kwetyala kunye nokuchithwa . Zonke ezi zinto zinemivuzo kunye neentsikelelo ngokunzima ukukhetha zakho iinketho ngokucophelela.
Ukuba ucinga ukuba unengxaki yokuchitha imali, khangela uncedo lwabaTyala abaNaziwayo , iqela elincedisa inkokhelo efana nezoNxila ezingabonakaliyo.