Isicwangciso sokuphelisa amatyala sikulula ukusekwa. Kungaba nzima ukulandela. Kuthatha ukuzinikela ekubeni netyala elingenanto, kodwa ukuhlawulwa kwetyala kuya kukuvumela ukuba ube nobutyebi. Ikuvumela ukuba uthathe ulawulo lweemali zakho kwaye wenze ukhetho lobomi kwiinjongo zesikhathi eside, endaweni yokukhathazeka ngokukhetha kwakho kwansuku zonke nokuhlawula iibhili .Ungayi kuqaphela ukuba unetyala lakho lilimala kangakanani uze uhlawule. Yeka ukwenza izizathu kwaye uthabathe amanyathelo ukuqala inkqubo yokuqedwa kwamatyala.
01 Ukuxothwa kweebatyala Isinyathelo 1 - Yenza uludwe
02 Ukuxothwa kwetyala Inqanaba lesi-2 - Qalisa uhlahlo lwabiwo-mali
Isinyathelo esilandelayo ekuthinjweni kwetyala kukufumana isabelomali sekhaya, kwaye unamathele kuso. Ukuze ukuphuma kwetyala ngokukhawuleza kufuneka uhluthe iindawo ezininzi ezintle kwiibhajethi yakho. Yibheke phantsi ubuncinane. Zama ukugcina imali yakho kwizinto zokutya zibe ubuncinane. Jonga iindlela ongakunciphisa ngayo iindleko zokulungisa ukuze ukhulule imali ethe xaxa ukuhlawula ityala. Kufuneka ube nenjongo yokukwazi ukufaka ubuncinane ubuncinane amabini ama-dollar angaphezu kweenyanga nganye ukuya kwintyala yakho.
03 Ukutshatyalaliswa kwetyala Inqanaba lesi-3 - Beka iNgxowa-mali ye-Emergency
Isinyathelo sesithathu sokupheliswa kwetyala kukusekwa i-$ 1000.00 yengxowa-mali engxamisekileyo. Beka le mali kwi-akhawunti yokulondoloza kwaye ufikelele xa iindleko zongxamisekileyo ezingahlelwanga zivela. Ungasebenzisa imali oyikhululile kuwe uhlahlo lwabiwo-mali ukuze ubeke le ngxowa kuze kube yilapho yakhiwe. Ingxamiseko yinto enokunyamekelwa ngokukhawuleza njengengalo ephukile okanye ukulungiswa kwemoto. Ingxamiseko ayifaki indawo yesafa yakho okanye ifumanisa ukuba isethi epheleleyo yezicathulo ezithengiswayo. Qinisekisa ukuba usebenzisa le mali ingxamisekileyo yokwenzakala kwaye ungakufihla xa uchitha imali.
04 Ukutshatyalaliswa kweziTyala Isinyathelo 4 - Qala ukuhlawula amatyala aphantsi
Faka isicelo semali eyongezelelweyo oyifunayo kwibhajethi yakho kwi-matyala yokuqala kwiluhlu lwakho. Musa ukwahlula imali phezu kwazo zonke iintlawulo. Ngokugxila kwelinye ityala ubeka amandla angaphezulu kwimali kwaye uya kuhlawula loo matyala kungekudala. Xa usuqedile ukuhlawula ityala lokuqala uqhubela ukuya kweyesibini. Kufuneka ufake isicelo semali yokuqala yentlawulo yakho, kunye nemali eyongezelelweyo kumatyala amabini, uzenzele inani elikhulu nakakhulu ukubeka kwisikwere esilandelayo. Qhubeka kunye nale pateni, ukuhlawula iintlawulo endala kwi-matyala alandelayo kwoluhlu lwakho, kwaye uya kuphelisa ityala lakho ngokukhawuleza. Unokukhawuleza isicwangciso ngakumbi ngokufumana imali eyongezelelweyo ukufaka isicelo kwiimali zakho . Kufuneka uqinisekise ukuba uyayiqonda ipolisi yakho yebhanki malunga neentlawulo ezongezelelweyo ukwenzela ukuba iintlawulo zakho ezongezelelweyo zisebenze ngempumelelo kakhulu kuwe.
05 Ukutshatyalaliswa kwamatyala Inyathelo yesi-5 - Hlala ugxininisekile
Ngamanye amaxesha, unokufuna ukufumana intshukumo encinci okanye ukukhuthaza ukuba uzigcine ugxile ekuphumeni kwetyala . Ukuthatha ixesha elongezelelweyo emsebenzini, ukufumana umsebenzi wesibini okanye ukuthengisa izinto ezithile kunokukunceda ukuba unqumle ityala lakho ngokukhawuleza. Ukongezelela ukuba ubeka iinjongo ezincinci kwaye uvumeleke imibhiyozo emincinci (njengokudla ngaphandle) xa uhlawula yonke i-$ 5,000.00 idola yeetyala okanye inkqubo efanayo, uya kukwazi ukuhambisa isicwangciso sakho sokuphelisa amatyala ngokukhawuleza.
06 Ukuxothwa kweebatyala Isinyathelo 6 - Hlalani NamaTyala aMahla
Emva kokuba usebenze kanzima ukuphuma kwetyala, kufuneka uzinikezele ukuhlala unetyala ngaphandle. Oku kuthetha ukucwangcisa iindleko zakho kwaye ulondoloze. Ezi zibizwa ngokuba yi-cashinking, kwaye unako ukuzenza nazo zonke izinto ukusuka ekulungiseni ikhaya ukuya kumaholide. Kwakhona kuthetha ukugcina ukuze uthenge imoto yakho elandelayo kwaye unamathele kwisabelomali sakho, kodwa ngoku uya kuba nekamelo elithe xaxa kwibhajethi yakho. Kufuneka ugxile ekugcineni imali kunye nokwakha ubutyebi, kuba oku kuya kukunceda ukwazi ukufumana iindleko ezinkulu ngaphandle kokubuyela kwisikweletu kubo. Isicwangciso sezimali esiqinileyo siya kukunceda ufinyelele iinjongo zakho. Thatha ixesha lokumisa kunye nokuthetha nomcwangcisi wezezimali ukuze uhlale endleleni efanelekileyo yemali.