Unokukwazi ukuhlawula kuphela 25 ¢ kwi-1.00 ye-Credit Card yakho
Ngaphambi kokuba Uqale uMxokelelwano weeTyala zeKhadi leMatyala
Okokuqala, ngaphambi kokuba siqhubeke, ndivumele ndivuyiswe ngesigqibo sokusombulula ingxaki engaqinisekanga ekubangela ukuba uxinzeleleke. Akukho mfihlo ukuba ngaphambi kokuba utyalole kwaye uzakhele ubutyebi wena kunye nosapho lwakho, kufuneka uchithe ityala lakho lekhadi lekhredithi njengokuba kaninzi linye, ukuba kungenjalo, ityala elibi kakhulu ungalenza; zonke iindleko zemali enomdla eziphuma emnyango yipenki ongeke ukuyisebenzisa ukukhulisa iphothifoliyo yakho.
Okwesibini, makhe ndiqinisekise ukuba kunokwenzeka ukuhlala ngaphandle kwetyala lekhadi lesikweletu. Enyanisweni, ityala lekhadi lesikweletu aliyona ingxaki kwiintsapho ezininzi zaseMerika; imfihlo yokuba akukho mntu ngaphandle koqoqosho obonakala efuna ukuxoxa. Ukuze kube ngakumbi, malunga neyodwa kwiintsapho ezi-2 zaseMerika ezingenayo ityala lekhadi lesikweletu okanye ukusebenzisa ikhadi lekhredithi ukuze kube lula kunye namaphuzu, ukuhlawula ibhalansi ngokupheleleyo ngenyanga nganye.
Unako ukujoyina iinqanaba zazo. Akuqhelekanga ukuba uchithe ubomi bakho wangcwatywa phantsi kwalo mthwalo wemithwalo.
Okwesithathu, phambi kokuqwalasela ukuxoxisana kwetyala lekhadi lesikweletu, ndiya kuthatha ukuba uzame izakhono ezifana ne -snowball kunye neqhwa leqhwa , ezinokukunceda ukunciphisa izilinganiso kunye nokukhulula ukuhamba kwemali ngokukhawuleza ngokubeka phambili ishedyuli sakho sokubuyisela ngeendlela ezithile .
Ekugqibeleni, njengoko sifudukela kule sihloko, kufuneka ulungele ukuba kungenzeka ukuba inkampani yakho yekhadi lesikweletu ayinakukulungele ukuzonwabisa okanye ukuxoxisana nokuhlawulwa kwetyala lekhadi lesikweletu. Ukuba oku kwenzekayo, lixesha lokuqwalasela ngokucokisekileyo ukuxoxa ngeenketho zakho kunye nommeli we-bankruptcy. Kwezinye iimeko, kulula kakhulu ukuvuselela iphepha lakho lokulinganisela emva kokuba izigwebo zakho zikhutshwe yijaji, kungekudala ngcono. Iphutha eliqhelekileyo ndiyibona linentsingiselo efanelekileyo abantu abafake iakhawunti njenge- 401 (k) okanye i- Roth IRA ngomzamo wokuzigcina ezivela kuloo nto. Oku kungaba budenge ngokugqithiseleyo kuba loo maxesha amaninzi akwazi ukufikelela kubathengi ekuqhubekeni kwebhanki, oku kuthetha ukuba, ukuba uyawashiya, uvumelekile ukuba uhambe ngaphandle kwenkundla engenamatyala kunye neengxowa-mali zakho zomhlalaphantsi usenza igalelo, inzala , kunye neendleko .
Yintoni iCredit Credit Debt Settlement kwaye Kutheni iCredit Card iKhampani iyavumelana nenye?
Iinkampani zekhadi lokuthenga ngetyala, ezininzi zazo ezisebhanki , zinezinto eziphambili. Eyokuqala, kunjalo, ukuvelisa inzuzo kwenkampani yomzali kunye nabanikezeli bayo abanamalungelo (ngokwenene unokuba ngumnini-shareholder ngokusebenzisa imali edibeneyo ebambelele kwi-akhawunti yomhlala phantsi ngaphandle kokuyiqonda.
Xa kubonakala ukuba umntu akakwazi ukuhlawula imali yakhe, ukutshintshwa kwezinto eziphambili kwiinkcukacha zekhadi lekhredithi kwenzeka oko kunokusebenza kuyo. Ibhanki okanye ikhamphani yekhadi lekhredithi ibandakanyeka ngento enye kwaye yodwa into: ukufumana ubuninzi benani elibuya kuwe ngokusemandleni kwaye ukuvala okanye ukukhawulela i-akhawunti yakho. Ngoba? Oku kuvumela ukuba bagweme ukuhlawula imali yonke kwi- statement yabo yengeniso , nto leyo eya kubangela ukuba i-stock yabo iwele, ukulawula ukufumana ibhonasi esezantsi, mhlawumbi neentlawulo zezahlulelo kubanikazi abanini-mali.
Ukuba uvakalisa i-bankruptcy, kunokwenzeka ukuba yonke ibhalansi yamakhadi ekhredithi iya kupheliswa ngenxa yokuba ityala lekhadi lesikweletu lihlala lingakhuselekanga. Oku kuthetha ukuba ayixhaswa yintlawulo ethile okanye ixabiso leempahla ukuba inkampani yekhadi lesikweletu ingabamba xa kwenzeka.
Wonke umntu obolekisayo kufuneka aqhubekeyo isithembiso sakho esingathembeki sokuba uya kuhlawula umbopheleleko. Qhathanisa oku kwinto efana nekhredithi yakho kwikhaya lakho, elikhuselekile ngendawo yokuhlala. Ukuba uyaphula ukuhlawula loo mboleko, ibhanki inokubamba indlu, uyibeke ithengise okanye ithengise, iphinde ithole enye, ukuba ayinayo yonke imali yayo.
Ukungaphumeleli uhlobo oluthile lweemeko zeemeko, ukufakela i-bankruptcy kufaka imeko ebi kakhulu kwenkampani yekhadi lesikweletu kuba limele ukulahlekelwa yinto yonke eyongezele yona. Oku kuthetha ukuba banokuthi banokuqiniseka ngokuxhomekeka ngasese kwiindawo zokuhlala ezimalunga no-75% we-balance balance, ukuxolela into onetyala lokubuyisela into ethile.
Emva kokuba uqaphele ukuba akukho nto inokwenzeka ukuba uya kukwazi ukuhlawula ityala lakho lekhadi lesikweletu, ukuhlawulwa kwetyala lekhadi lokuthenga ngetyala kuya kufuna ukuba uqalise iifowuni ezininzi zeefowuni kwikharityhulam yakho yekhredithi, mhlawumbi kunye neeleta ezimbalwa ezibhaliweyo.
Usebenza njani ngeTyala lokuTyala ngeTyala leKhadi?
Ukuba sele ulahlekile iintlawulo eziliqela kwaye uyaqonda ukuba akusibalo semathematika uya kuba nakho ukuhlawula ityala lakho lekhadi lekhredithi, kungenzeka ukuba umvuzo wakho wekredithi sele uhlaselwe. Ukuba ufuna ukuzama nokusebenza kwintsebenziswano ngasese nenkampani yekhadi lesikweletu ngaphambi kokuba usebenzise inkinobho yenyukliya (i-bankruptcy), inkqubo iyaqala xa ubiza okanye ubhala kubo. Oku mhlawumbi kuya kuba yinto ephazamisayo okuya kufuna iingxoxo ezinde kunye nabantu abaninzi kwiintsuku okanye kwiiveki.
Ngokuqhelekileyo, uya kufuna ukucacisa ukuba 1) ucinga ngokucwangcisa i-bankruptcy kodwa ungafuni ukufaka ifayile, kunye no-2) unethemba lokusebenza ngetyala lokuxoxwa kwetyala lekhadi ukwenzela ukuba unokuqinisekisa ukuba inkampani yekhadi lesikweletu. ufumana enye yemali kwakhona nangona ayikho imali epheleleyo, into engcono kunanto.
Ukuba ikhamera yekhadi lekhredithi likulungele ukuzonwabisa ngcamango yokuhlawulwa kwetyala, iingxaki ziphezulu kangangokuba ziya kufuna enye yamalungiselelo alandelayo.
- I-Lump-Sum Credit Card Ukuhlala kweeTyala - oku mhlawumbi kulula kakhulu ukuxoxisana njengoko amashishini amaninzi aya kukulungela ukuhamba kunye nenqwaba yemali, ukusika ilahleko zabo. Ukuba ufumene ibhonasi emsebenzini, ilifa, okanye ulungele ukuhlaselwa imali yakho, unika inkokhelo yesikhathi esisodwa ngokutshintshela ukuxolelwa kwebhanki yonke eseleyo. Eyona nto inokwenzeka ukuba mhlawumbi unethemba lokuba ngu-25 ¢ kwi-dollar - umzekelo, ukuba unetyala elingama-5,000, uhlawula i-$ 1,250. Nangona kunjalo, oko akuyi kuba yinto eqhelekileyo. Ezinye iinkampani zinokufuna i-40 ¢ kwi-dollar, ngelixa abanye banokufuna ngakumbi.
- Isicwangciso sokuhlawula ngokusekelwe kwiNgeniso yakho kunye neendleko - Okwesibini okukhethwa kukho, inkampani yekhadi lekhredithi ingaba likulungele ukukhupha ibhalansi yakho yamatyala kwaye usebenze uhlobo oluthile lwenkqubo yokuhlawula isakhiwo esenzelwe umyinge ophantsi. Ngale ndlela, ngaphezu kwexesha leminyaka emininzi, unokuhlawulela ibhalansi ngaphandle kokukhathazeka malunga ne-15%, i-20%, okanye iindleko zentshisekelo ephezulu.
- Isivumelwano sokunyamezela okwesikhashana - Ngokuqhelekileyo eziqhelekileyo kwizinto ezinjengeentlawulo zemboleko zabafundi, ilungiselelo lokunyamezela lingasetyenziselwa ngempumelelo kwi-credit card yokuhlala. Okubalulekileyo, oku kuthetha ukuba ibhalansi yakho ye-akhawunti iya kubanjiswa, isantya senzala ifakwe kwisantya esivumelaniswe ngaphambili esingaphantsi kwemirhumo okanye izigwebo, kwaye akukho ntlawulo ziza kubakho ixesha elichaziweyo. Oku kuya kukunika igumbi lokuphefumula ngokwaneleyo ukuqokelela imali ukuze ubuyisele imali yakho ngokugcwele ngaphandle kokuwa ngaphaya nangaphezulu ngenxa yobundlobongela bokuhlanganiswa .
Iingxaki ezinkulu kwiNdawo yeMali yokuTyala kweTyala leKhadi
Izinto ezimbalwa kakhulu ebomini ziza ngaphandle kokuphazamiseka kwaye ukuhlawulwa kwetyala lokuthengwa kwetyala lekhadi-mboleko akukho nto. Gcina ukhumbule ukuba:
- Ngomzuzu ozisa inkampani yakho yekhadi lesikweletu ukuba unemiba yezemali, ukufikelela kwakho ekhadini lakho lekredithi kuya kuqinisekiswa ukuba kuya kunqunyulwa, i-akhawunti efriziwe, kunye neentlawulo ezizayo ziphihliwe.
- Naliphi na izikolo zemali zetyala lokuxolelwa ngamatyala eziza kuxoxwa ziza kuthathwa njenge-engeniso yerhafu ngenjongo yeRhafu, i-state kunye neerhafu zerhafu yengingqi. Ngokomzekelo, ukuba udibaniselwano lwakho konke-kwizinga elifanelekileyo leerhafu ngu-25% kwaye unama-$ 10,000 kwi-card credit card exolelwe, ibhilikhi yakho yerhafu iya kuba yi-$ 2,500 ephezulu kunokuba bekungekho yonyaka werhafu apho kuxolelwa khona . Ukuba ityala lixolelwe li-$ 600 okanye ngaphezulu, umboleki-mali uya kukunika ifom ye-1099-C, Ukukhanselwa kwetyala ukusetyenziswa kwirefti yakho yerhafu. Ungazami ukuphepha ukubiza le nto njengoko i-IRS iya kwaziswa ngayo ngumboleki.
- Ngokuxhomekeke kwiinkcukacha zendlela edlala ngayo, ukuxoxisana nokuhlawulwa kwetyala lekhadi lokuthenga ngetyala kungabangela izikolo eziphantsi kakhulu. Oku kunokunciphisa okwexeshana ukufikelela kwakho kwiimali ezivela kwiminye imithombo ebolekayo njengokuba ubonwa njengengozi enkulu. Abanye ababolekisi banokukuhlawula iirhafu zemali ephakamileyo ukuhlawulela ukuba unako ukuhlawulela. Kwamanye amazwe, iindleko zakho ze-inshorensi yezinto ezifana ne-inshurensi yemoto ingasuka. Ngokuqinisekileyo, ubude kunye nobukhulu beziphumo ziya kuba nzima kakhulu ngokufakela i-bankruptcy kufakelwe ukuba kulungele ukuba kuhambisane nokuhlaliswa. Nangona kunjalo, qaphela ukuba akuzona zonke iikhokheki kunye nemigodi.
Umgca wokugqibela kukuba isivumelwano somgaqo-sikweletu sekhadi lesikweletu sinokusebenza ngendlela efanelekileyo yokuba uphephe inkundla yebhanki, inkokhelo yekhadi lesikweletu ukubuyisela enye yemali yayo, kwaye zombini amaqela aqale ukuvuselela umonakalo owenziwe kwi- balance sheet kunye nemali engenayo isitatimende esivela kwi-debacle. Mhlawumbi, into eyona nto ikwenza ukuba ungayiqwalasela, ukuba unqwenela ngokwenene ukulawulwa kweemali zakho, ukuzingca. Akukufanelekanga. Cinga ukumlisela, uthatha intlungu yesikhashana, kwaye uqale ukufumana ubomi bakho bezemali ngokulandelelana.