I-Avalanche, Snowball, okanye i-Snowflake, Indlela yokuhlawula ityala lakho
Nangona kunjalo, loo nto ingabonakala ingonakali xa unama-akhawunti ahlukeneyo ozama ukuyihlawula. Ngombulelo, kukho imigaqo embalwa yesohlwayo esinokukunceda ukubeka phambili ukuhlawulwa kwetyala lakho .
Kodwa okokuqala, makhe sifumane ulwazi lwenkokhelo yakho ngetyala ngaphambi kokuba singene kwisicwangciso, njengoko kuya kwenza kube lula ukwenza izinto.
Ukulungiswa Kwetyala Lakho
Izinto zokuqala kuqala, kufuneka ufumane ulwazi olulandelayo kuwo onke amatyala akho:
- Inani elihlawulwe (ibhalansi)
- Intlawulo encinci
- Inzala / APR
- Intlawulo efunekayo umhla
Le ngcaciso ingafumaneka ngokubanzi kwiingxelo ozifumanayo kwi-imeyile okanye kwi-intanethi, nje kuphela ukuba unayo i-akhawunti ukufikelela kuzo.
Ukuba awukwazi ukuyifumana le nkcukacha ngokulula, mane ubize umntu onetyala kwaye ubacele ulwazi. Bamele bakwazi ukukukhangela.
Iinkalo ezibini ezinkulu zenkcazelo esiza kugxininisa kubandakanya ukulinganisela kwakho kunye nezenzalo, ngoko ke qiniseka ukuba ufumana ezo zibini ngaphambi kokuba uqhubeke. Ukuba nesabelomali endaweni kunokukwenza kube lula.
UkuPhakamisa amatyala akho ngeNqanaba leNzala - iNtyala ye-Avalanche Method
Oku kwaziwa ngokuba yi-"avalanche" yamatyala, kwaye isicwangciso semathematika, nguye oza kusindisa imali eninzi kwixesha lakho lokubuyela kwetyala lakho.
Oko kufuneka uyenze ukulungisa amatyala akho avela kwizinga eliphezulu lezala kwizinga lentengo ephantsi .
Ngokugxininisa ekuhlawuleleni ityala lakho ngenqanaba lokuqala lemali, ugcina imali engakumbi ngenxa yokuba umdla owenzela imali kwi-akhawunti yakho uya kuyancipha. Inzala ingaba yinto ebalulekileyo kakhulu kwisicwangciso sakho sokuhlawula ityala xa ungeyinyameko.
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Ngokomzekelo, uthi unemali eyimali eyi-R10 000 ngenani lentlalo ye-7%, kwaye uneminyaka emihlanu ukuyihlawula. Intlawulo yakho encinci yenyanga iya kuba ngu-198, kodwa akusiyo yonke loo ntlawulo eya kuhlawula imali.
Endaweni yoko, malunga ne-$ 58 yentlawulo yakho yokuqala iya kuhamba kunomdla esikhundleni . Ouch. Ukwahlula oku kunye nentlawulo yakho yokugqibela, apho kuphela i-$ 1 kuphela eya kwi-interest.
Ukwenza iintlawulo ezongezelelweyo kuthetha ukunqumla umdla ngokukhawuleza ngoko ezinye iintlawulo zakho ziya kwiinqununu. Nangona kunjalo, le ndlela ihluleka kugxininisa kwithintelo yengqondo kaninzi ityala.
Ukuqwalasela amatyala akho ngokubaluleka ngokulinganisela - Indlela ye-Snowball Method
Kuthekani ukuba uhlawula ityala lakho kwizinga eliphezulu lezala kumgangatho ophantsi kwaye ufumene ukuba ityala lakho eliphezulu lexabiso linomnye omele unako? Oku kungathi kunqabile , kwaye awuzange uqale ukucwangcisa.
Ukuba oku kuvela kwimeko, kwaye ukhangele entabeni ongenakucinga ukuba ungafikelela-kodwa awuyikuvuyela ukufikelela - ngoko unokube ungcono nakwiindlela ze-snowball. Endaweni yomyinge wenzala, ugxininise ekuhlawuleni ityala nge-balance balance eyokuqala uze usebenze ngendlela yakho.
Hayi, awuyi kusindisa imali eninzi ngale ndlela, kodwa ukuphuma kwetyala kudla ngokuba ngamava, kungekhona amava anengqiqo.
Kufuneka ukhethe naluphi na uhlobo olwenza ukuba unqwenela ukukhaba ityala lakho kwinqanaba. Ukuba ukufumana umncinci omncinci rhoqo rhoqo kukhangayo, ngoko indlela ye-snowball yindlela yokuhamba .
Masiqwalasele ngokuthe ngqo indlela iindlela zokuhlawula izikwere zisebenza ngayo njengoko kuninzi kubo abadibana nelihlo.
Ukuqhankqalaza iinqwelo zakho zeeNkcazo zeMimentum
Okwangokunje, unokuba wenza iincinci ezincinci kwityala lakho, kodwa akuyi kukuvumela ukuba ufikelele inkululeko yesikweletu ngokukhawuleza. Ukuba umnqweno wakho ukuba ube ngetyala elingenanto ukwenzela ukuba uqale ubomi ubomi ngaphandle kweekhonkco, ngoko ufuna ukuqala ukuhlawula ngokukodwa kwityala lakho. Yiyo kanye indlela indlela ye-snowball isebenza ngayo. Nithi unama-4 amatyala:
- Ikhadi lesikweletu # 1: $ 5,000 @ 12% inzala
- Ikhadi leNkcazo # 2: inzuzo eyi-1 000 @ 15%
- Inkcitho yomfundi: $ 14,000 @ 4% inzala
- Imboleko yomntu: $ 10,000 @ 7% inzala
Ngetyala le-snowball, uza kugxila kwikhadi lekhredithi # 2 kuqala. Ngenxa yomzekelo, masithi intlawulo yakho encinci i-$ 20. Uya kugqiba ukuhlawula i-$ 100 kuloo nto uqhubeka uhlawula ubuncinci kuwo onke amanye amatyala akho.
Ngoko uhlawula i-$ 120 kwikhadi lekhredithi # 2. Emva kokuba uyihlawule, uqhubela kwikhadi lekhredithi # 1. Makhe sithi inkokhelo encinci yelo yi-$ 60. Uhlawula i-$ 120 oye uyihlawula kwikhadi lekhredithi # 1 ngaphaya kwe-$ 180.
Emva kokuhlawulwa, ugxininisa kwimali-mboleko yakho, enokuhlawula imali encinci ye-$ 198. Ngama-$ 180 oyisebenzisayo ukuhlawula ikhadi lekhredithi # 1, unokuhlawula i-$ 378 kuyo.
Emva kokuba uhlawule imali mboleko yakho, lixesha lokubulala ityala lakho lokugqibela: mboleko yakho yomfundi. Inkokhelo encinci kule nto yayiyi-$ 260 - kodwa ihlanganiswe ne-$ 378, uhlawula i-$ 638 kuyo.
Ngalo mzekelo, kufuneka kube lula ukubona indlela "ukukhwela ngebhola" zakho iintlawulo kunye kunye nefuthe elikhulu xa uhlawula ityala. Ukuba awuzange usebenzise le ndlela kwaye uqhubeka uhlawula ubuncinci kwibhodi, kuya kuthatha ixesha elide ukuhlawula ityala lakho.
Usebenzisa nje izixhobo onakho ngendlela engcono. Ukuhlawula i-$ 100 esikhundleni se-$ 20 kwikhadi lekhredithi # 2 akuyimfuneko - unokuhlawula i-$ 20 kunye ne-snowball leyo-kodwa inokukunceda ukuba ungene kwi-mindset yokuhlawula okongezelelweyo kwityala lakho.
Unokusebenzisa umgaqo ofanayo kwindlela yokuhlawula, kodwa umyalelo ohlawula ngawo amatyala akho uyahluka .
Indlela yokuThuthukiswa kweMvula
Kanti enye inketho onayo ukusetyenziswa kwindlela yeqhwa le-snowflake, kwaye le ndlela ingasetyenziswa ngokubambisana kunye netyala le-snowball okanye i-debt avalanche.
Njengoko ucinga ukuba uvela kwigama, "iintlawulo zekhephu" zithetha nje ukufumana iintlawulo ezincinane xa kunokwenzeka .
Masithi ufumana i-$ 5 kwindawo yokuzivocavoca, okanye umntu osebenza naye anike i-$ 10 kwisidlo owathenge zona ezinyangeni ezidlulileyo (ukuba ukhohlile), okanye ufumana i-$ 50 kwisihlobo sosuku lwakho lokuzalwa.
Kuzo zonke iziganeko, ufumene i-windfalls encinci yemali - le yimali ongayilindelekanga kwaye awuzange ulandele ibhajethi yakho.
Ekubeni "ifunyenwe" imali okanye "imali eyongezelelweyo", iya ngqo ngqo kumatyala akho. Unokuphila ngaphandle kwayo, ngoko kutheni ungayifaki kwimigomo yakho # 1 yokuphuma kwetyala?
Unokukhetha kwakhona ukukhupha ikhefu xa unayo imali eyongezelelweyo kwibhajethi yakho. Ngokomzekelo, uthetha kuphela i-$ 20 kwigesi kule veki, ngokuchasene ne-$ 40 yakho rhoqo. Thumela ukuba enye i-20 $ kwi-yakho ityala.
Ekugqibeleni, unokusebenzisa le ndlela xa uhlawula kwishedyuli engavumelekanga. Mhlawumbi u-freelancer okanye uhlawulwa kwi-khomishini, kwaye awukwazi ukuhamba kwemali enkulu, iintlawulo ezongezelelweyo zemali. Zama ukuthumela iintlawulo ezincinci kumatyala akho naxa usichitha ngaphantsi kokucinga kwakho. Okanye, njenge-freelancer, thabatha u-5% rhoqo emva kokuba umthengi akuhlawule kwaye uyifake kwisikwere sakho.
Le ndlela ingabonakala ingafaneleki ekuqaleni, kodwa ixabiso elincinci liyakongeza. Ukuba uhlawula i-$ 20 eyongezelelweyo ngeveki nganye, yile $ eyongezelelweyo oyihlawule ityala lakho! Ngaphezulu, ufumana inzuzo yokuziva ngathi wenza inkqubela emininzi kwinyanga yonke, ngexesha ngalinye uhlawula intlawulo.
Ufanele Ukhethe Kanjani Ukuphambili?
Ayikho indlela efanelekileyo okanye engalunganga. Njengokuba kukho izinto ezininzi kwiimali zomntu siqu, kuphele ngokupheleleyo kuwe indlela okhetha ngayo.
Yintoni ebalulekileyo kukuba uhlawula ityala kwaye wenze inkqubela ekupheleni kwaloo nto. Ukuhlawula ityala kukusondeza kwezinye iinjongo zemali, kwaye ekugqibeleni imali yakho ibe yakho. Uya kuba noxolo lwengqondo ukuba awusayi kuhlawulwa mntu.
Kwakhona akudingeki ukuba ukhethe phakathi kwezi ndlela zombini. Ungazama indlela ye-snowball, kwaye ukuba ufumanisa ukuba ayikukhuthazi, tshintshela kwindlela yokuhamba. Isicwangciso sakho asifuneki ukuba sibekwe kwilitye. Into ebaluleke ngakumbi kukuba ugxininise ekuhlawuleni ityala lakho .
Musa ukulibala kwiBhajethi yeNtlawulo
Njengoko ufanele uhlahlo-lwabiwo-mali lokugcina imali, kufuneka uhlahloye uhlahlo lwabiwo-mali, ngakumbi xa usetyenziselwa ukuhlawula ubuncinci.
Cwangcisa uhlahlo lwabiwo-mali kwaye ubone ukuba kukho naziphi na indawo ongayithatha okwesikhashana . Mhlawumbi unokuhamba ngaphandle kokutya kwinyanga, kwaye usebenzise i-$ 50 oyinikezele yona kwi-matyala. Okanye mhlawumbi unako ukukhansela ikhebula kwaye uqale ukuthumela i-$ 150 kwi-ityala lakho.
Mbonise ukuba ungaphila ukuhlawulela, kwaye uqinisekise ukuba kubalwe kubhajethi yakho. Awufuni ukuhlahlohla imali ngokubhekiselele kwiintlawulo ezincinci kwaye usebenzise konke okushiye ekupheleni kwenyanga malunga netyala lakho kuba uya kugqiba ukuchitha loo mali. I-Akhawunti yeentlawulo ezongezelelweyo ngaphambi kwexesha ukuze ungalingeki ukuba uchithe loo mali kunoma yini enye.
Ukuba awunakuvakalelwa ngethemba lokunciphisa izinto ezithile, khumbula ukuba oku okwethutyana . Unokuhlala uqala uhlangothi olusecaleni ukuze ufumane imali engaphezulu xa uthanda ukugcina imali yakho iyafana, kwaye uthumele yonke imali eyongezelelweyo oyenzayo kumatyala.
Kuthekani ukuba awunayo imali eyongezelelweyo , kwaye iintlawulo zakho zetyala zikhubazeka? Biza ababolekisi bakho kwaye ubuze ukuba kukho nayiphi na indlela yokwenza intlawulo ephantsi ukuqala kunye nayo, de kube uzuze umxhelo kwaye mhlawumbi ufumane ngaphezulu. Qaphela nje ukuba iinkampani zolawulo lweetyala zinika le ntlawulo ngemali.
Ngentlangano encinane, ukunyamekela, kunye nokuphikelela, uya kuba netyala ngokukhawuleza ngokukhawuleza.