Ukungaphumeleli kwingqesho kunokushiya amanqaku akho ekhredithi kwimigangatho. Unokwenza konke onokukwazi ukugcina amanqaku akho ekhredithi, kodwa ngexesha elide lokungasebenzi, unokufuneka wenze izigqibo ezinzima zokuchitha imali ezibangelwa umonakalo wamanqaku ekhredithi. Xa usubuya emva kwexesha lizisa ukuhlawula ngokukhawuleza, unokuqala ukuhlaziya amanqaku akho ekhredithi.
Fumana ingcamango yemali oya kuzisa ngayo .
Okokuqala, kufuneka ukwazi ukuba uza kwenza ntoni kumsebenzi wakho omtsha.
Oku kuya kukunika ingcamango malunga nendlela yokuphila onokukwazi ukuyifumana kunye nento enokukwazi ukuyifumana ukufumana ikhredithi yakho ekulandeleni. Gcina ukhumbule ukuba uza kuba neerhafu okanye ezinye iintlawulo ezithathelwe kwi-paycheck yakho, ngoko ke umvuzo wakho wokuhlawula ekhaya ungama-30-40% ngaphantsi koko ukulindele. Umvuzo wakho wokuqala uza kukunika ingcamango yenyani yoko uza kwenza inyanga eyaneleyo.
Yakha okanye ubuyekeze ibhajethi yakho yasekhaya .
Emva koko, yakha uhlahlo lwabiwo-mali kuquka zonke iindleko zakho eziyaziwayo. Kwiintlawulo zakho zetyala, sebenzisa ukuhlawula rhoqo ngenyanga okanye ubuncinane. Ukuhlawula okongezelelweyo ukufumana inxalenye yesicwangciso sokwakha kwakhona i-credit yakho, kodwa okokuqala, kufuneka uqaphele indlela yokuhlawula iindleko zakho rhoqo ngenyanga. Ekupheleni kwenkqubo yohlahlo lwabiwo-mali, balala imali enokuyiphela ngayo emva kokuhlawula iindleko. Le yimali eyongezelelweyo ongayifaka ekubhekiselele kwiimali zakho.
Yeka ukuhlala kwiikhadi lakho lekredithi .
Ngokulahlekelwa yimali engenayo, mhlawumbi usebenzisa iikhadi lakho lekredithi ukuze uphumelele.
Ngoku ukuba uqeshiwe, kuya kufuneka uqale ngokuxhomekeka kwingeniso yakho ukuhlawula iindleko. Ukuphula ukuxhomekeka kwekhadi lakho lokuthenga ngetyala kungaba nzima, kodwa kuyinyathelo elifunekayo ekuvuseleleni i-credit yakho. Iifayile ezinjengokuqhwala ikhadi lakho lekredithi okanye inqaku eliqhotyoshelweyo ukuba ungaswayina lingakunceda ucinge kabini malunga nokwenza imali yokuthenga amakhadi eninzi.
Yenza uluhlu lwamatyala akho
Qaphela ukuba zeziphi iindleko ezikhoyo kwaye ezidlulileyo ngenxa. Kuzo zonke iimeko ezidlulileyo, dwelisa inani lolwaphulo-mthetho kunye nenani leenyanga ezidlulileyo ngenxa okanye ukuqokelelwa okanye ukukhutshwa kwetyala.
Yintoni ongayifumana yokuqala?
Ukulinganisa ukuba yintoni umyalelo wokubambisa kwiimali zakho zikhethi ezinzima, ngakumbi ukuba ungasemva kwamanani amaninzi. Imali yakho yokubolekwa kwemali kunye nemali-mboleko yemoto kufuneka ibaluleke ngaphezu kwekhadi lakho lekhredithi, ngakumbi ukuba awufuni ukuba indlu yakho igqitywe okanye isithuthi sakho siphindwe. Ukuba ngaba sele iqalile inkqubo, qha ga mshelana nombolekisi wakho ukuba ufumanise oko kufuneka uyenze ukuze ubanjwe. Buza ukuba kukho indlela yokusasaza ixesha elidlulileyo lemali kwiinyanga eziliqela de uze uhlaselwe.
Masithi ungasemva kwimali yakho yokubolekwa kwemali okanye mboleko yemoto, kuphela kwiikhadi lakho lesikweletu. Ukuba unayo nayiphi na into esondeleyo yokuhlawuliswa, umz. Ukuya kwiintsuku ezili-180 okanye ezintandathu kwiinyanga ezidlulileyo ngenxa yoko, zama ukufumana ezo ntlawulo ukugcina i-akhawunti ingahlawulwanga okanye ithunyelwe kwiiqoqo.
Ngelishwa, awukwazi ukugcina zonke i-akhawunti yakho. Khetha ikhadi kunye nomnikezeli ofuna ukuba uninzi uhlale uhlala kakuhle. Ngokomzekelo, ukuba unayo ikhadi lekhredithi kunye nebhanki elifanayo njengengxelo yakho yokukhangela okanye mboleko mboleko, ungazama ukulondoloza lowo.
Okanye, ukuba unayo ikhadi le-credit card yase-American, ungazama ukulondoloza lowo.
Biza ababolekisi bakho ukuba benze isicwangciso sokubamba. Cinga ukuqhagamshelana nomthengi weengxowa-mboleko zengxowa-mboleko ongakwazi ukuphumeza isicwangciso solawulo lwetyala ngeakhadi zamatyala kunye neakhawunti zemboleko. Uya kuhlawula enye intlawulo-ntlawulo kwi-agency ye-credit counseling kwaye baza kuthi bahlawule onke ama-akhawunti akho.
Qaphela ukuba iintlawulo zakho zesevisi, ikhebula kunye ne-intanethi, kunye nefowuni akuchaphazeli i-credit yakho nje kuphela xa iintlawulo zakho zenziwa ngexesha. Abanikezeli benkonzo abaninzi abanako ukunika ingxelo kwiivenkile zemali-mboleko, ngoko ukuwa kwinyanga emva kwangeze kuphazamise umlinganiselo wakho wekhredithi ukuba nje kuphela xa ubanjwa. Nangona kunjalo, ukuba ezi ntlawulo ziye zadlulela kakhulu, ngenxa yokuba iinkonzo zakho zinqatshelwe, i-credit yakho isengozini. Ukukhansela iinkonzo ongekho mfuneko ukuba awukwazi ukuhlawula iintlawulo zenyanga ukukhusela i-credit yakho.
Ukucoca iNgxelo yakho yeMboleko
Ukuhlawulwa kwexesha elide kunokubangela ukuba amanqaku akho ekhredithi alahle, kodwa kukho iindlela ezimbalwa ezinokukunceda uzicime . Gcina ukhumbule ukuba ukuba ngokwenene uye wafika, i-credit bureaus ingayichaza ngokusemthethweni le meko yokuhlawula ixesha lokukhawulwa kwexesha lokubhengezwa ngetyala .
Ukuba ukulinganisela kwekhadi lekhredithi eliphezulu lilimaza amanqaku akho ekhredithi, umrhumo ukuhlawula ezi zilinganisi. Mhlawumbi awukwazi ukukwenza konke kanye, ngoko-thabatha inyanga ngenyanga, uhlawule ngokubanzi njengoko unakho kwikharityhulam yekredithi enye uze uhlawule elo bhalansi, uze uqhubekele kwikhadi lesikweletu elilandelayo.
Fumana ulwazi oluchanekileyo kwiNgxelo yakho yeMboleko
Ukunyamekela iimeko ezingenanto kuya kunceda inqaku lakho lekhredithi. Kodwa, uya kufuna kwakhona ulwazi oluchanekileyo ukukunceda ukuphucula amanqaku akho. Ukuba unayo i-akhawunti evulekile, ukuhlawula ngexesha elifanelekileyo kuzo inyanga nganye kuya kunceda ukuphucula amanqaku akho. Kodwa, ukuba zonke iakhawunti zakho zivaliwe uzakufuna ezintsha ukuvuselela ngokwakho inkokhelo yakho.
Gxininisa kuqala ekunyamekelweni kwexesha elidlulileyo ngenxa yeebhili. Emva koko, xa ubanjwa, cinga ukufumana ikhadi elitsha lekhredithi. Amakhadi okuthenga ngetyala kunye namanye amakhadi enkoleko kubantu abanekhredithi engalunganga banethemba elihle. Khumbula, xa uqalise ngekhredithi kwakhona, ukuphatha amakhadi akho ekwerethi ngokufanelekileyo , ukuhlawula kuphela oko unokukwazi ukuhlawula kunye nokuhlawula ngexesha nganye ngenyanga.
Ngokuqeqeshwa kunye nesicwangciso esiqinileyo, unokuphinda uphinde wakha kabusha umlinganiselo wakho wekhredithi. Mane ube nomonde kwinkqubo kwaye ukhuthele ngokulawula i-credit yakho phambili.