Umcebisi ngezeMali unokunceda njani amatyala
Ukunika iingcebiso ngamatyala kuyindlela efanelekileyo yokutsalwa kwebhanki, kwaye kufuneka ufune iingcebiso ukusuka kumcebisi wezezimali okanye ukucebisa ngaphambi kokuba ucinge ngokubambisa i-bankruptcy njengokhetho.
Kukho iinketho ezininzi xa ucinga ngokucetyiswa ngamatyala, kwaye kubalulekile ukuqinisekisa ukuba ufumana umcebisi onetyala onokuthenjelwa oza kukunceda ukutshintsha imeko yakho yezemali. Ukongezelela, ukululekwa ngetyala kuyimfuneko ngaphambi kokuba uvakalise ukuchithwa kwebhanki kwaye kunokukunceda ukukhusela.
Imisebenzi yokwelulekwa ngetyala
Ityala lakho okanye umcebisi wekhredithi uya kujonga iindleko zakho zenyanga, iindleko zakho, amatyala akho kunye nemali engenayo. Emva koko uya kunceda ubeke uhlahlo lwabiwo-mali oza kulugcina ukuze wenze iintlawulo zakho zenyanga. Ukongezelela ekuncedeni ngohlahlo lwabiwo-mali, unokuthetha ngokubhekiselele kwiimpawu zamakhadi-mboleko.
La magama athetha ukuba awukwazi ukusebenzisa amakhadi, kodwa unokuxoxa ngeentlawulo eziphantsi zenyanga kunye nentlawulo ephantsi. Ngokuqhelekileyo, uzakuthumela enye intlawulo yenyanga ngenyanga kwinkonzo yokunika iingcebiso ngekhredithi, ngubani oya kuthi athumele iintlawulo kubathengi bakho abahlukeneyo. Ingenza ukulawula imali yakho kulula kakhulu.
Indlela Yokufumana Iinkonzo Zengcebiso Ngeengcebiso
Uninzi lweenkonzo zeengcebiso ngeengxowa-mboleko aluthembekanga. Kubalulekile ukuhlolisisa iziqinisekiso kwanoma yiphi na umcebisi wezezimali oya kutyelela kunye nokukhangela kwi-Business Business Bureau ngaphambi kokuba usebenzise inkonzo yokucebisa amatyala. Ukongezelela, ukusebenzisa inkonzo yokunika iingcebiso ngekhredithi kuza kufaka uphawu kwi-credit report yakho, kwaye ukuba ngaba okwangoku unamatyala akho kwaye unako ukwenza iintlawulo ezincinci uya kuba ngcono ekufuneni uncedo kwenye indawo.
Ezinye iindlela zokuTyala ngeNgcebiso
Umcwangcisi wezemali unokuba lukhetho olufanelekileyo ukuba ufuna uncedo lwamatyala. Abaninzi abacwangcisi bemali baya kuhlawulisa umrhumo weeyure, ngokukodwa ukuba unomdla wokutyalomali ngelo xesha, kodwa banokukunceda wenze isicwangciso esihle semali kukukunceda ukuba uphume kwetyala .
Umcebisi wezezimali unokukunceda ucwangcise uhlahlo lwabiwo-mali kwaye useke isicwangciso sokuhlawula amatyala esiza kukhawuleza ukuba ungakhokha njani ityala lakho ngokukhawuleza. Banokukunceda ukuba ufumane imali eyongezelelekileyo kwibhajethi yakho ukubeka kwiimali zakho. Xa unika inkonzo yokucebisa ngekhredithi, ibonisa ingxelo kwingxelo yakho yemali, ngelixa, umcwangcisi wezemali akayi kuyenza. Nangona kunjalo, umcwangcisi wezemali akayi kuxoxisana neentlawulo zakho zenzalo kunye neentlawulo zenyanga.
Izinketho ezongezelelweyo
Ukuba ungaziva ukhululekile ukutyelela umcwangcisi wezemali, unokunqwenela ukutyelela umntu ngecawa okanye uthathe iklasi eya kukunceda ukuba uphume kwetyala. Omnye umzekelo walezi klasi yiYunivesithi yoThuseleko lwezeMali, enikwa nguDave Ramsey.
Umqeshi wakho unokubonelela ngezi nkonzo ngezinga elincitshisiwe njengenxalenye yenkqubo yoxanduva lwabasebenzi. Ukongezelela, unokuqala iqela lakho / ityala lebhajethi apho unikela ngenkxaso omnye komnye.
Indlela yeqela inceda ekunikezeni uxanduva kwibhajethi yakho kwaye ikuvumela ukuba ufumane ukukhathazeka kwakho kunye nokukhungathekiswa kwabanye abahamba into efanayo.
Ukuxoxa ngeeNtlawulo ezingcono kunye neentlawulo zakho
Unokwenza zonke izinto umcebisi wezikweletu azenzele wena. Inyathelo ebalulekileyo kukuba kusekwe uhlahlo lwabiwo-mali ukuze ukwazi apho imali yakho iya khona inyanga nganye. Emva koko kufuneka uqalise isicwangciso sokuhlawula amatyala ekuhlaliseni amatyala akho ngenjongo yerhafu yenzala. Usebenzisa zonke iintlawulo zakho ezongezelelweyo kwi-matyala ngenani lentlawulo ephezulu ukuya kuhlawulelwa kwaye uqhubekele kwisikolo sakho esilandelayo.
Ukwenza ngokwakho kukunceda ukukhusela ukuba ungaphinde uhlawule ityala lakho ngenxa yokuba uthatha ulawulo lwemali yakho kwaye ufunda indlela yokulawula yakho imali ngokusebenzisa uhlahlo lwabiwo-mali.
Unokuphinda usebenze ukunciphisa amazinga akho enzala ngokubiza ibhanki yakho kwaye ucele ixabiso eliphantsi. Enye inketho kukudlulisela ibhalansi yakho yekhadi lesikweletu kwikhadi elinomyinge ophantsi. Oku kufuneka kwenziwe kuphela xa uzimisele ngokupheleleyo ukuyeka ukusebenzisa amakhadi akho ekwereta.