Ukuba ukhumbula nje into enye kule nqaku, khumbula oku: akufanele uhlawule intengo yesitokethi kwisithuthi.
Ingaba uthengisa imoto entsha okanye isetyenzisiweyo, kufuneka uhlale uhlala uthetha ixabiso.
Ukuba ulandela la macebiso, unokulindela ukugcina imali enkulu kwimpahla yakho esilandelayo yokuthenga.
Thatha ixesha lakho ukuthenga imoto
Musa ukukhawuleza kumthengisi uze ucacise ukuba ufuna ukuqhuba umqhubi ngekotsha entsha. Thatha ixesha lokuphanda uhlobo lwesithuthi ofunayo kunye nabathengisi kwindawo. Cwangcisa ukuba uyakwazi "ukuhamba" kwizinto ezingalunganga kwaye ulandele emva kwiveki ukuze ubone ukuba umthengisi unokuhlangabezana nemigomo yakho. Xa uvumelekile ukuba wenze oku kuthenga okukhulu, unamandla okuxoxisana nawe.
Zixhoba Ngeenkcukacha
Ukuba uthengisa imoto ngokuqhelekileyo ixabisa umthengisi weedola ezili-10 000 ukuthenga, akukho ndlela oya kuhamba ngayo nge $ 8,000 kungakhathaliseki ukuba unzima kangakanani. Ukuba ufuna ukufumana intsebenziswano enhle, kufuneka ugcine engqondweni ukuba umthengisi ukhangele ukwenza imali, kwaye kufuneka uqiniseke ukuba uyazi ukuba isithuthi sithini.
Ngaphambi kokuba ucinge malunga nokuya kumthengisi, jonga ixabiso leKelly Blue Book kuyo nayiphi na imodeli ocingayo ukuze ukwazi oko kuqiqayo. Ukuba uthandana nemodeli eyahlukeneyo kwinqanaba, thatha okwesibini ukuba ubale ngokukhawuleza kwixabiso layo ngaphambi kokuba uqale ukubiza igama okanye ukuqwalasela amaxabiso.
Kodwa abathengi abenzi imali kuphela kwintengo yomthi: Benza imali kunye nezinto ezithengiweyo. Umthengisi wenza imali xa uthatha isigqibo sokuba kufuneka uhlawule ngemali yakho. Ingcinga efanelekileyo yokufunda indlela yokufumana umyinge onomdla kwimali-mboleko yakho yemoto , kwaye uzame ukufumana mboleko ngesikhungo sangasese, esoloko sibe nezinga elingcono kunokuba umthengisi uza kukunika. Ukuba ukhetha isigqibo sokuba umthengisi wezimali uyindlela yokuhamba, qiniseka ukuba ukhangele phezulu kwizinga lokuya ngaphambi kokuba ucinge ngokusayina.
Funda iMidlalo yeeMoto abaThengisi
Xa wenza isondlo kufuphi nexabiso elithengiswayo okanye ukukhawulela intengo yobuqhophololo ngomntu onengqiqo, umthengisi uya kuzama zonke iinkohliso encwadini ukwenzela ukuba uzive ungenakulungele okanye ungakhululeki ukuba "ungabonakali". Kodwa hlala uqinile: Akukuthi ngawe. Yiba nengqiqo kwaye uqine kunye nomthengisi, kwaye ukuba bazama ukukusebenzisa, bahlale bezolile. Yile ndlela umdlalo udlalwa ngayo kwaye khumbula: nguwe owenza imali, kungekhona kubo, ngoko ekugqibeleni ubeke imigaqo, kungekhona. Lo akayena u-Godfather: akukho zibonelelo ongeke ukwazi ukungazi!
Yenza Isizathu Esingqiqweni-kwaye Ubambelele Kuyo
Emva kokuba uthathe imoto oyithandayo, yenza umthengisi isinikezelo kwaye ubaxelele ukuba ukuba unako ukutshitshisa eso sibalo, ulungele ukutyikitya kumgca ochaziweyo.
Kodwa qiniseka ukuba ubaxelele, ngokuzithoba, ukuba awuqali.
Ukuba umthengisi wenza isibonelelo, sebenzisa le ndlela efanayo kunye ne-counteroffer yakho.
Ukuziqhelanisa Ukuthi Hayi Uyabonga
Zibukele kakuhle kwisibuko. Thatha umoya kwaye uthethe ngamandla, "akukho mbulelo." Uzakufuna ukutsho oku kakhulu ukuba ufuna ukufumana ingxoxo efanelekileyo kumthengisi. Iwaranti eyongeziweyo? Izihlalo ezivuthayo? Amathayi angaphezulu? Ukuba ufuna ukugcina imali , kuya kufuneka uthi, "Akukho mbulelo, akukho mbulelo, akukho mbulelo!"
Unokulinganisela Kangakanani Ukuthetha Ngomthengisi?
Akunangqiqo ukulindela ukugcina amawaka angamawaka eedola kwiingxoxo ezilungileyo. Ewe, akunakwenzeka ukuba uthethe umthengisi ongezantsi kwexabiso lentengo. Kodwa ngomsebenzi omncinane nomonde, unokuqiniseka ukuba unokugcina imali ethile-kwaye uhambe kunye nesithuthi esikhulu kwinkqubo.