Akukho kuphela isicwangciso sokubuyisela esiza kukugcina emsebenzini, kuya kukukunceda ukuba uphume kwetyala ngokukhawuleza njengoko uza kukwazi ukubona inkqubela yangempela. Enye kunye necebo lokubuyisela ityala? Ngokusebenzisa imali yakho eyongezelelweyo kwelinye ityala ngexesha , uya kuqhuba ngokukhawuleza inkqubo yokubuyisela amatyala.
Ukuba ubeka isicwangciso sokuhlawula ityala - kwaye unamathela kuyo - uya kumangaliswa ukuba ungakhawuleza njani ukuhlawula ityala lakho.
Landela la ma-6 amanyathelo alula ukuseka isicwangciso sokuhlawula ityala.
1. Yenza uludwe lweeMali zakho
Okokuqala, kufuneka wenze uluhlu lwamatyala akho. Uluhlu lwakho lufanele lubandakanye inani elincinci lokuhlawula , inzala , kunye nenani elipheleleyo.
Olu luhlu lufanele lubandakanye onke amatyala akho: ukusuka kumakhadi-mboleko kunye neengxowa-mboleko zemali mboleko kumfundi, nokuba wakho umboleko. Ukuba unetyala kumakhaya kunye nabahlobo kufuneka udibanise uluhlu lwakho.
2. Hlela iziTyala zakho
Emva koko, kufuneka ubeke amatyala akho kwi-oda ofuna ukuyihlawula. Ezinye iingcali zincoma ukuba zihambe ukusuka kwinani elincinane kunazo zonke ukuya kwelona likhulu kunokuba le nto inceda ukufumana ukuhamba.
Abanye batusa ukubeka uluhlu lwamatyala avela phezulu ukuya kweyona nzala ephantsi kakhulu kuba le nto izokukusindisa imali eninzi. Umyalelo owukhethayo uphezulu kuwe, kodwa into ebalulekileyo kukunamathela kwoluhlu xa usenza oko.
3. Khangela iMali eyongezelelweyo ukuhlawula iimali zakho
Ngoku, kufuneka uthathe isigqibo sokuba ingaba yimalini imali eyongezelelweyo ukuba uyihlawule ityala lakho. Unokudinga ukunqumla ukuchitha imali kwezinye iindawo ukuze ube nemali yokubeka isicwangciso sakho sokuhlawula ityala.
Enye inketho kukuthatha umsebenzi wexeshana okanye ukuthabatha iiyure ezingaphezu kweeyure emsebenzini wakho wamanje ukuze ukhulise amandla akho okufumana.
Ungathengisa izinto ukuze ufumane imali eyongezelelweyo kwisicwangciso sakho sokuhlawula ityala . Ukongezelela, unokufuna ukusebenzisa yonke imali oyifumanayo kwizipho, amabhonasi okanye ukubuyiswa kweerhafu kwityala lakho ukuze uhlawule ngokukhawuleza. Ukunamathela kwisabelomali senyanga kuya kunceda ufumane imali eyongezelelweyo ukuba ufake isicelo sakho kwityala lakho.
4. Gxininisa kwiTyala elinye ngexesha
Ukuze uphumelele ngesicwangciso sakho sokuhlawula amatyala , kufuneka ugxininise ekuhlawuleni ityala lokuqala kwiluhlu lwakho. Beka yonke imali eyongezelelweyo kule nyala yokuqala, ngelixa uhlawula ubuncinci kuzo zonke ezinye iintlawulo.
Nantsi ingqiqo: Xa ugxininisa kwelinye ityala ngexesha, unako ukuhlawula ityala ngokukhawuleza, kuba enye imali iya kuhamba ngqo kwibhalanqununu eyintloko kwaye isetyenziselwa imali ekuhlawuleni inzala . Xa usasaza imali yakho eyongezelelweyo phezu kwamatyala amaninzi, unciphisa impembelelo enayo kwityala lakho kuba uhlawula umdla omkhulu.
5. Hambisa kwiDatyala elandelayo kuluhlu lwakho
Emva kokuba uhlawule ityala lokuqala kwoluhlu lwakho, lixesha lokunyuka kwetyala elilandelayo, ngelixa uhlawula i-balance balance of debt.
Qhubeka ukwenza oku de uze uwele zonke iimali zakho kwiluhlu lwakho. Futhi gcina ukhumbule ukuba xa uqale usebenza kwisicwangciso sakho, kunokubonakala ngathi kuya kuthatha ixesha elizeleyo ukuhlawula ityala lakho lokuqala, kodwa njengoko usebenza phantsi uluhlu lwakho kwaye ufumane ukukhawuleza, uya kumangaliseka ukuba unokukhawuleza kangakanani hlawula enye elandelayo.
6. Yakha Ukonga kwakho
Xa uhlawule lonke ityala lakho, ngoku lixesha lokugxila ekwakheni i-akhawunti yokulondoloza. Oku kuya kukunceda ukuba ungabuyeli kwixesha elizayo. Ingxowa-mali engxamisekileyo yinye yezona zixhobo ezingcono kakhulu ongayisebenzisa ukulawula iimali zakho kwaye ugweme ukuya kwiikolo.
Kwaye xa kuziwa ekusebenziseni amakhadi esikwereti kwikamva, sebenzisa ngokufanelekileyo okanye cha. Ixesha lakho elizayo liya kukubulela.
Ezinye iingcebiso:
- Hlaziya iibhanki zakho okanye iinkqubo zekhadi zekhredithi malunga neentlawulo ezongezelelweyo kunye neentlawulo eziyinhloko ngemboleko. Oku kuya kukunceda ufumane uninzi lwentlawulo yakho eyongezelelweyo inyanga nganye . Ezinye iibhanki ziya kukuhlawula imali yokuhlawula eyongezelelweyo, kwaye abanye abayi kubeka intlawulo ethe xaxa kwinqanaba elinqununu. Ukuba uyayiqonda indlela abahlawula ngayo, uya kuba nakho ukucwangcisa isicwangciso esiza kukunceda ukuba usebenzise uninzi lwemali kwinqununu yakho nyanga nganye.
- Ingxowa encinci yexakeka malunga nomvuzo wenyanga enye inokukunceda ukukhusela ekusebenziseni kwakhona amakhadi akho ekwereta ngelixa usebenza ekuhlawuleni ityala lakho. Yakha oku kuqala ngaphambi kokuba usebenzise imali eyongezelelweyo kwi-ityala lakho.
Ukuhlaziywa nguRachel Morgan Cautero.