Faka iCandelo lakho lokuCima ukuTyala
Unokugqiba ukuba usebenza ngokukhawuleza kangakanani ngokumisela ukuba ungakanani imali eyongezelelweyo oyifunayo inyanga nganye.
Faka uluhlu lweeTyala zakho
Okokuqala, fumana uluhlu lwakho lwamatyala avela kwiveki eledlule. Olu luhlu luya kwenza kube lula ukulukhungulula lo mngeni weveki. Ukuba awunalo uluhlu kufuneka ubhale phantsi zonke iimali zakho. Bhala uluhlu owutyala ngalo, inzala kunye nenani lemali elincinci lokuhlawula. Kufuneka udibanise yonke inkokhelo yakho yamatyala ekhredithi, nayiphi na imali mboleko yakho, mboleko yakho yemoto kunye nomboleko wakho womfundi. Kufuneka ufake inkcazo yakho yesibini okanye i-home equity line, kodwa akudingeki ukuba ufake i-mortgage yakho yokuqala.
Misela iMyalelo yeSicwangciso sakho sokuPhumela
Emva koko, kufuneka uqaphele ukuba ufuna ukuhlawula amatyala akho ukusuka kumncinci kuncinci ukuya kuwona mkhulu okanye kwizinga eliphezulu lemfuno ukuya kweyona nto ephantsi. Indlela encinci kunendlela enkulu inokukunceda ukuba wakhe ukukhawuleza ngokukhawuleza, kodwa unakho ukuhlawula umncinci ngakumbi. Inqanaba eliphezulu ukuya kweyona ncinane liza kukugcina imali ngenzala, kodwa kungathatha ixesha elide ukuza umthamo.
Unokwenza isigqibo malunga nendlela ofuna ukuhamba ngayo uze uludwele amatyala akho kuloo myalelo. Xa uqala ukuhlawula kwisicwangciso sakho ubeke yonke imali eyongezelelweyo kwi-matyala akho yokuqala, de kube ihlawulwe kwaye ihlawule ubuncinci kuwo wonke amatyala. Emva kokuhlawulwa kwetyala lokuqala uthabathe yonke imali oyihlawula ngayo yokuqala ntlawulo uze uyifake kwisibini kuze kube yinto ehlawulwayo kwaye uqhubeke wenza oko de ube unetyala.
Yakha Isatifiketi Ukulandelela Inkqubela Yakho
Uvele udale icebo lakho lesikhwama se-snowball. Akuzange kuthathe ixesha elide, kodwa ukuze lusebenze ngokufanelekileyo lunceda ukuba ube nokumelwa ngokomzimba onokumakishaya ukubonisa ukuba wenza inkqubela phambili. Unokwenza ishati evumela ukuba ugqithise ityala xa uhlawula. Oku kungakubonisa ukuba ubude kangakanani na kwiinyanga ezimbalwa. Ukongezelela kufuneka ubhale inkqubo yokufumana umvuzo, enokukunceda uhlale ukhuthazwa ukuhlala kwisicwangciso sakho. Unokuzihlawula kwi-$ 1000.00 yokuqala, kwaye emva kwe-$ 5,000.00, kwinqanaba lekota kunye nakwiindawo ezintathu zokuhlala. Ukuba unesixa esikhulu setyala kunokuba ungathanda ukufaka imivuzo eminye. Imiphumo mayibe yincinci ngaphantsi kwe-$ 50.00, kodwa into eyakushukumisela ukuba uqhubeke phambili.
Fumana iMali eyongezelelweyo yokuhlawula ityala lakho
Isinyathelo esilandelayo kukuqinisekisa ukuba ungakanani imali engaphezulu ongayisebenzisa kwiimali zakho nganye ngenyanga. Siza kujonga uhlahlo lwabiwo-mali ngokubanzi ngeveki ezayo, kodwa kufuneka ubeke ukuqikelela kwento ocinga ukuba unokuyenza kwaye uphakamise loo $ 100.00. Ngokuqhelekileyo, unokuyifakisha loo mali eyongezelelweyo ngaphandle kwebhajethi nganye ngenyanga. Leveki kufuneka nje ubhale phantsi umnqaku wenkcitho engaphezulu (ngaphezu kweentlawulo ezincinci) onokuzibeka ekuphumeni kwetyala ngenyanga.
Thengisa Izinto Ukuphakamisa Imali Ukuphuma Kwetyala
Ekugqibeleni, jonga ngeenxa zendlu uze ubhale ubuncinane izinto ezintlanu ozilungele ukuzithengisa ukuze uhlawule iqela lakho lebhola lebhola. Ukuba awufuni ukukhetha nantoni na, unokuqwalasela ukukhetha iiyure ezimbalwa ezongezelelweyo emsebenzini okanye ufumane umsebenzi wesibini ukuze ufumane i-snowball yakho ityala. Imali ongayifumana ukuyifaka isicelo xa uyincenga ngokukhawuleza uza kukwazi ukubona igalelo elichaphazelekayo lokuba netyala lakho.
Joyina nathi ngeveki ezayo, njengoko siqinisa uhlahlo lwabiwo-mali kwaye lusebenza. Yibanempelaveki emyoli.