Indlela yokusebenzisana nababolekisi bakho xa ungeke ukwazi ukuhlawula iiBhili

Ukuba uthe wawela emva kweebhilikhwe zakho okanye ukuba ulahlekelwe ngumsebenzi wakho unokuzibuza ukuba ungayenza ntoni ukuze uhlawule iimali zakho. Xa ujamelene neemeko ezinzima apho ungakwazi ukufumana zonke iintlawulo zakho, ngoko kuya kufuneka uqale usebenze nababolekisi bakho. Oku kunokuba nzima, kwaye baninzi abanakho ukukulungela ukusebenza nawe ukususela ekuqaleni, kodwa ukungahambisani nako kunokukunceda xa uzama ukulungisa ityala emva koko.

Yakha uhlahlo lwabiwo-mali kwaye ulungelelanise imali

Kufuneka uhlale phantsi kwaye ujonge ibhajethi yakho. Xa ukwenza oku kufuneka ubeke phambili kuqala iindleko ozenzayo kunye nomyalelo oya kubahlawula ngawo. Udinga ukuhlangabezana nezidingo zakho zokuqala: ukutya, izindlu, izibonelelo (oku akubandakanyi ikhebula) kwaye mhlawumbi imoto yakho . Emva koko kufuneka ubeke phambili imali yakho. Akufanele uchithe imali ekuzonwabisa, ukutya ngaphandle okanye ikhefu xa uhlala kwezi meko. Ukongezelela, kufuneka uzame ukugcina i-bill yakho yokuthengisa . Akunangqiqo ukutya ukutya kwe-steak xa ungeke ukwazi ukuhlawula iintlawulo zakho. Kufuneka ube kwi- budget engenanto kwaye uchithe imali yakho ngokubanzi njengoko unakho.

Sebenzela Ukubambisana Ngezinto Eziyimfuneko Okokuqala

Khangela isixa oshiye emva kokuba uhlawule iimfuno. Emva koko jonga ixabiso omele ulihlawule ngeentlawulo nganye ngenyanga. Ukuba zilingana kunye okanye ukuba unemali eyongezelelweyo emva kokuba ezi ntlawulo zidibene, unesimo esingcono.

Uya kufuneka usebenzise imali eyongezelelweyo de ube sele ubambe zonke iibhilikhwe zakho ukuba zikhoyo. Ukuba ungenayo ngokwaneleyo inyanga nganye ukuhlangabezana nale mbopheleleko uza kuyidinga ukufumanisa ukuba yiziphi iibill oya kuzenza i-slide kunye nazo uza kuqhubeka uhlawula.

Zama Ukusekela Isicwangciso Sokuhlawula

Ukuba awukwazi ukuhlawula imali epheleleyo kwiimali ezithile kufuneka uxhumane nabathengi bakho kwaye uchaze imeko.

Buza ukuba banokuthi banciphise ixesha okanye bayeke umlinganiselo wokuhlawula njengoko uzama ukubanjwa. Kufuneka ubhale kwakhona ileta kubathengi bakho kwaye uquke ikopi yebhajethi yakho kwaye uchaze ukuba ungayikhokha njani inyanga nganye. Kufuneka uphinde uchaze isicwangciso sakho samanje sokulungisa imeko. Ezi nyathelo azikuthinteli ekubhubhiseni i-credit yakho, kodwa ziyimigudu yokholo olufanelekileyo, kwaye inokukunceda ukuba uthathwa enkundleni ngenxa yeentlawulo zakho. Kufuneka uqaphele zonke iifowuni uze uthumele iileta eziqinisekisiweyo ukuze ufumane ubungqina bokuthi ubathumelele.

Fumana iMali eyongezelelweyo

Udinga ukubanjwa ngokukhawuleza kunokwenzeka. Oku kuthetha ukuthatha umsebenzi wexeshana okanye umsebenzi wexeshana ukuze wenze imali eyongezelelweyo oyifunayo ukuhlawula iintlawulo. Ukuba awuyi kukwenza ngokwaneleyo ukuhlawula iintlawulo zakho ezisisiseko, kufuneka ulungise imeko ngokukhawuleza. Qinisekisa ukuba awukwazi ukuhlawula inkokhelo yakho yemoto , kwaye yimi ke ungeke ukwazi ukuhlawula zonke iindleko zakho. Ukuthengisa imoto yakho kunokukunceda ukuba ubanjwe. Kusenokwenzeka ukuba uthengise nezinye izinto ukukunceda ukuba ubanjwe kwiintlawulo zakho. Cinga ukuthengisa kwi-eBay okanye kwi-Craigslist ukuze ubone ukuba unokunyusa imali kukunceda uhlawule iindleko zakho.

Qinisekisa ukuba uhlala ngoku ngokuMboleko kunye neemfuneko

Ufanele uqhubeke nokuhlawula iintlawulo ngokupheleleyo kwi-mortgage yakho, nokuba uthetha ukungahlawulanga kumakhadi-mboleko , awufuni ukulahlekelwa ngumzi wakho.

Ukuba uthetha kwinkampani yakho yokubolekisa imali banokukwazi ukubuyela kwiintlawulo zemali mboleko yakho, kodwa kuphela xa usemva. Ukuba uthe wawa emva komsebenzi wakho wokuboleka imali ukuze uzuzwe ngaphambi kokuba uxhalabele malunga nazo zonke iibhilikhwe zakho.

Iingcebiso:

1. Uninzi lweenkampani zekhadi zekhredithi kunye neebhanki aziyi kukhawulelana namatyala kuwe emva kweenyanga ezimbalwa. Nangona kunjalo, ukwazisa ngemeko yakho yangoku kunokukunceda kuba banokuhlawula iintlawulo zexeshana okanye ukunciphisa amazinga enzala .

2. Xa uqhagamshelana neenkampani zichaza ngokucacileyo imeko. Ukuhlonipha nokuhlonipha kwifowuni kunokukunceda ngaphezu kokumemeza nokukhala. Ukuba ufuna ukuqhubeka ucela umkhombe uze uthethe nomntu onokukunceda imeko yakho. Qhubeka.

3. Ukuba ufumana iifowuni zokuqokelela ungachaza imeko kunye nesicwangciso sakho. Ukuba ngababolekisi bakho bakuchukumisa kwaye bakhenxise kuwe vele uqhawule ifowuni. Akufanele uthabathe olo hlobo lonyango, nangona ungasemva kwiibhili zakho.

1. Nangona, kuphazamiseka ukuba ungenayo imali eyongezelelweyo, kubalulekile ukuba unamathele kwisicwangciso uze ufumane umsebenzi omtsha kwaye ufumane kwiintlawulo zakho. Oku kuya kunceda imeko ukuba iphuculwe ngokukhawuleza, kunokuba ibe nzima nakakhulu.

2. Yenza inkokhelo yakho yendlu ibe yinto ephambili okanye unokubeka ingozi ekulahlekeleni ikhaya lakho . Nangona kunjalo, ukuba ukuhlawula indlu yakho kuninzi kuwe, ngoko kufuneka uthengise ikhaya lakho ngaphambi kokuba ulahlekelwe ngumzi wakho. Oku kunokunciphisa uxinzelelo lwakho lwezezimali kunye noxinzelelo.