Indlela yokuthetha kunye nababolekisi bakho kunye nokubeka iziTyala zakho

Hlalana nababolekisi bakho kwaye ugweme i-bankruptcy

Ngaba ufuna iindlela zokuphepha ukucima imali ? Ukuba unayo imali, kodwa akwanele ukuhlawula amatyala akho ngokuthe ngqo, unokuzama ukuxoxisana nemigaqo emitsha yentlawulo okanye kwintlawulo engaphantsi kweyona. Ezi ngxoxo zikhokelela ekunciphiseni iibhalansi zeakhawunti, ukuhlawulwa kweenyanga zithengiweyo, okanye ukugqibezela ngokupheleleyo ityala. Nangona esi sicwangciso ngokubanzi sijoliswe ekuhlaleni nabathengi abazimeleyo kunye namaziko (umzekelo, iinkampani zekhadi zekhredithi kunye neebhanki), inokusetyenziswa kwakhona kubarhwebi bakarhulumente, njenge-IRS.

Qha ga mshelwano

Ngaphambi kokuba uxoxe nomqokeleli, kulunge ukwazi amalungelo akho. Abaqokeleli babophelelwe nguMthetho woTyala loTokelo lokuTyala lokuTyala kunye nemimiselo eminye yemimiselo efanayo, kodwa bayaphula le mithetho ngelo xesha. Ukuba uyazi amalungelo akho ngaphambi kokungena, uya kusebenza kwisimo samandla.

Kwiimeko ezininzi, ukuba ungekude kakhulu kwiintlawulo zakho zenyanga, mhlawumbi ukuba abathengi kunye / okanye iinkampani zokuqokelela ziya kukubiza imihla ngemihla nobusuku. Ukuba ngababolekisi bakho bakubiza, indlela elula yokuqalisa iingxoxo kukuxelela umnxeba ukuba ufuna ukulungisa ityala. Hlela ixesha kunye nomboleki okanye umqokeleli ukuba abize kwaye uxoxe ngokuhlala. Ukuba umboleki-mali akabizanga, unokuqalisa uqhagamshelwano. Oku kungathi ukwesabisa, kodwa inyaniso nguwe olawulayo. Xa uthetha nombolekisi:

• senze ngokuzithemba nangokugqibeleleyo,

• lindele ukuhlonishwa, kwaye ufune ukuba umboleki-mboleko uyakwenza okunye,
• cela ukucaciswa ukuba awuqondi into ethile,
• abavumelani nayiphi na imigaqo ngaphandle kokuba uqonde oko kukulindeleke kuwe ngokupheleleyo,
• Awuvumelani nantoni na de uze uyibone ngokubhaliweyo.

Isicwangciso

Isicwangciso esiqhelekileyo sokuxoxisana nabathengi bakho ngokuchanekileyo: ukuhlawula ngokuncinci kangangoko kunokwenzeka kwimeko enetyala.

Oku, okuqinisekileyo, kufuneka kulungelelaniswe nokuba umthengi uzimisele kangakanani ukuwamkela. Ngokuqhelekileyo, ababolekisi baya kufuna ukufumana intlawulo yemali kwiintlawulo eziqhelekileyo. Ngaloo ndlela, isicwangciso esihle kukunikela ngenkokhelo yesikhathi esisodwa, kwisixa esincinci. Umzekelo, ukuba unetyala elingu-10 000 kwikhamphani yekhadi lesikweletu, unokuba unqwenela ukunikezela ngexesha elilodwa le-$ 5,000, kodwa kuphela ukuba uyazi ukuba unakho ukuhlawula loo mali ngexesha elifanelekileyo, uthi iintsuku ezingama-30.

Qala phantsi

Awunanto yokulahleka (kwaye mhlawumbi uninzi ukuzuza) ngokuqala phantsi. Oku kuthetha ukuba ngokuqinisekileyo akufanele wenze isibonelelo esiphezulu esinakho ukusifumana ekuqaleni. Oku kungenxa yokuba umboleki-mali uya kulwa nomnikelo wakho, ngaloo ndlela akhulise imali. Ukuba uqala phantsi, oku kuya kwenza ukuba kube lula ukuba umnikelo womboleki uza kuba kufuphi nohla ungayikhokha.

Ixesha kunye neNtsebenziswano

Kubalulekile ukugcina umoya omhle kunye neetoni xa usebenza nabathengi. Nangona umqokeleli-ntlawulo angenakuvuyisa, ukuba unobungcali kwaye ulungile, kunokwenzeka ukuba i-settlement iya kufakwa. Oku kusekelwe ngokusemgangathweni ukuba abantu bazimisele ngakumbi ukusebenza nalabo abanesimo esihle sengqondo nokuphatha abanye kakuhle. Oku kunokuba nzima, kodwa kubalulekile ukufezekisa injongo yokuhlawula amatyala!

Isivumelwano sokuhlala

Isivumelwano semvumelwano siyakukhusela ukuba uhlawula umboleki kwaye umboleki-mali utshintshe ingqondo yakhe kwaye ufuna ukuhlawulwa kwintlawulo eseleyo. Isivumelwano sokuhlawula siya kuba sisimfuneko kwimeko apho umbolekisi sele esecaleni kuwe.

Isivumelwano sokuhlawulela kufuneka sihlale sibhaliweyo. Nangona kungabi neendleko ezifanelekileyo ukubandakanya igqwetha, kukusemthethweni ukuba wenze njalo.

Iimpembelelo zokuhlala kweMatyala

Iingxowa zokuhlawula zinokuthi zibe nefuthe elihle lokukuvumela ukuba ugweme ukufakela ukutshatyalaliswa. Nangona kunjalo, i-downsides ibandakanya ukuba usebenze kunye nabathengi abaninzi kwaye akukho ziqinisekiso zokuphumelela. Ngaphezu koko, ukuhlawulwa kwetyala kuya kuxelwa kwingxelo yakho yekhredithi kwaye kunokunciphisa amanqaku akho. Ukongezelela, unokwenza udibanise nomgcini-akhawunti ukuba unqume ukuba ukuhlawulwa kwetyala kuya kuthathwa njengentlawulo ehlawulwa irhafu oza kufuneka uyivakalise kwiirhafu.

Nangona ukuhlawulwa kwetyala nge-intanethi yeengxowa-mali akuyiyo isisombululo esipheleleyo okanye ukulungelelanisa wonke umntu, kungenokuba yindlela efanelekileyo kunye nefanelekileyo eninzi.

Ukuze ufunde okungakumbi malunga noko kwenzekayo kumatyala kumaqoqo, bona:

Umlinganiselo woTyala loTyala lwaBathengi: Ukuqokelela isiGwebo

Ngaba Kulilungelo Ukukhusela iNkundla Yamatyala Ekhadi?

Uhlaziywe ngo-Matshi 2018 nguCarron Nicks

Nceda uqaphele ukuba eli nqaku alikho i-tax or legal advice.