Phuma ngaphantsi kwelo bundu leetyala ngala macebiso okukhawuleza
Ngaba uzama ukuhlawula amatyala amaninzi ?
Mhlawumbi unemali-mboleko yomfundi, ityala lekhadi lesitaliti kunye nemboleko yemoto. Mhlawumbi unetyala kumngane okanye ilungu lentsapho. Mhlawumbi unemboleko mboleko kwibhanki.
Kungakhathaliseki ukuba unjani ityala owenzayo, mhlawumbi uzama ukufumanisa indlela yokujongana namatyala akho amaninzi.
Unokuba ungaphantsi kwengcamango yokuba indlela efanelekileyo yokubuyisela ityala lakho ngokuhlasela elinye ngenqanaba lokuqala lemali.
Umzekelo, vumela uthi unamatyala amane:
- Ikhadi lesikweletu, inqanaba le-10% inzala, i-$ 24,000 ibhalansi
- Imali mboleko yabafundi, i-7% yentlawulo yemali, i-$ 6,000 ibhalansi
- Imali-mboleko yemoto, i-3% yentlawulo yemali, i-$ 12,000 ibhalansi
- Ingxowa evela kumama wakho, inzala ye-0%, i-$ 10,000 ibhalansi
Ukujonga olu luhlu lwamatyala, unokucinga ukuba ufanele uhlawule umvuzo wokuqala we-10%. Oku kwenza ingqondo yemali, akunene?
Akunjalo.
Kukho ngokwenene iindlela ezintathu ongasondela ngayo ityala lakho . Akukho namnye kubo "ochanekileyo" okanye "ongalunganga" - kufuneka ukhethe okukusebenzelayo.
Izindlela ezintathu zokuhlawula amatyala
Indlela yoku-1: Khokhela amatyala akho ngokusekelwe kwibhalansi, ukusuka kumncinci ukuya kunkulu. Kulo mzekelo ukhankanywe ngasentla, umboleko wesikolo (kunye ne-balance balance) kuqala uhlawulelwa kuqala, okukunika ukunwaba kwengqondo kokunqoba, okugcina ukhuthaza.
Indlela ye-2: Khokhela amatyala akho ngokusekelwe kwintlobo-emoyeni-ecasulayo. Kwimizekelo engentla, mhlawumbi ukuba imali oboleke kumama wakho yenza uzive unetyala kwaye ucinezelekile.
Oku kungaba ngowokuqala kufuneka uhlawule, nangona kungenasithakazelo.
Indlela ye-3: Ukuhlawula amatyala akho kwi-interest-interest interest-interest.
Akukho ndlela "engcono". Khetha okukusebenzelayo.
Ingcebiso yam kuphela kukuba ukuba sele sele uzame enye yala maqhinga kwaye ufumanisa ukuba awuyi kwenza inkqubela phambili kunye neqhinga lesikweletu olikhethileyo, thabatha ohlukileyo.
Omnye wabahlobo bam, umzekelo, wachitha iminyaka ezama ukuhlawula ityala lakhe ngokusekelwe kwimilinganiselo yemirhumo kwaye iminyaka emininzi ayizange iqhube inkqubela enkulu nakweyiphi na amatyala akhe. Umzuzu owatshintsha amacebo kwaye waqala ukubeka phambili ukuhlawulwa kwetyala nge-balance balance, ubomi bakhe butshintshile.
Njalo xa ebhala enye yamatyala akhe uluhlu lwakhe , waziva enomdla, encinci yengqondo. Oku kwamnika ithuba lokuqhubeka.
Emva kokuchitha iminyaka enzima kwaye engakwazi ukuhlawula lonke ityala lakhe, wakwazi ukungahlawulwanga ngokupheleleyo ngamatyala ngonyaka owodwa, uyabulela ngokupheleleyo ukutshintsha isicwangciso sakhe xa kuvela ityala elibeka phambili ekubuyiseleni imali.
Kodwa kwakhona, le ndlela yasebenza kuye. Kungenzeka okanye ayikusebenzelanga.
Kufuneka ujonge amatyala akho kwaye unqume ukuba ngubani oyakuba yintloko yakho. Yenza inkokhelo encinci kuwo onke amatyala akho, ngokuqinisekileyo, uze ulahle yonke i-dime ye-Spare kwi-ONE target target.
"Andinayo i-Dimes!"
Ngaba unzima ukuza nemali eyaneleyo yokuhlawula ngaphezulu-kunobuncinane? Ezi ngcebiso zilandelayo zinokukunceda.
Okokuqala, qwa lasele kubhajethi yakho. Cima uninzi lwenkcitho yakho yokuqonda.
Ukukhansela ikhebula, yeka ukutya kwiivenkile, kwaye uhlehlise kwikhaya elincinci okanye kwigumbi ukuba ungumnini wezindlu.
Ukuba ungumnini wezindlu okanye awukwazi ukuhamba ngokukhawuleza kwikhaya elitsha, thabatha umntu ohlala naye okanye ohlala naye.
Gqoka iimpahla zokugcina ivenkile. Faka indawo yakho imoto ngemoto esetyenziswayo endala-uhlobo olusenziwa ngumfundi wesikolo esiphakamileyo-kwaye uhambe, ugibele ibhasikidi, kwaye uthathe uhambo lwezithuthi xa ulunokwenzeka.
Fumana uhlobo oluthile lwee- hustle zecala , ezifana nokufumana imali kwi-intanethi ngexesha lokuhlwa nakwiempelaveki, kwaye ulondoloze yonke i-dime yolu ngeniso eyongezelelweyo emva kwentela.
Emva koko thabatha yonke le mali eyongezelelweyo enamkela kunye nokulondoloza, kwaye uyilahle phantsi kwelinye ityala elijolise kuyo. Uza kuqala ukujonga ukuba uhlahlo lwawo luyancipha kwaye luyehla, de ekugqibeleni lucwecwe ngokupheleleyo.
Awukwazi Ukuhlawula Iimali Zakho?
Ukuba uzame ukuhlawula amatyala akho kwaye ufuna uncedo , yile mibutho emithathu ene-A + yokulinganisa kwi-Business Business Bureau.
Ezi zibini kwezi zintathu zizinhlangano ezincedo (ezingezizo inzuzo).
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I-Counselling Counseling yi-A + Boshishini leZiko elungileyo lenkxaso yenkxaso-mali eyinkampani engama-501 (c) inhlangano engenzi nzuzo. Banikezela ngokucacileyo ukunika iingcebiso ngeengxowa-mboleko zabathengi zabafundi kwaye baya kuvela ukuba babe ngumboneleli we-app yeselula ebizwa ngokuba yi-Trusted Helplines enikezela inkxaso kunye neengcebiso kuzo zonke iingxaki zemali zobomi.
I-ClearOne Advantage yenye enye i-A + ye-Business Business nkampani yeBusiness ekhethekileyo ukuhlanganiswa kwetyala . Abahlawulisi nayiphi na imirhumo ye-front-front, kodwa uya kufuneka uhlawule xa ungekho kwetyala kwaye wenze ngeprogram. Qaphela ukuba i-ClearOne Advantage ayikho inhlangano engenzi nzuzo.