Izigqibo zeNyaka ezitsha zeNkcitho yakho kunye namatyala

by LaToya Irby

Izigqibo zeMali ze-12 zeNtsha

Ngaba ucinga malunga noko ungathanda ukutshintsha kuNyaka omtsha? Uninzi lwezigqibo zonyaka omtsha ziquka ukuphucula impilo okanye ukulahla umkhuba ombi. Ungalibali ngokuphucula impilo yakho yemali kunye nemikhwa emibi yesikweleti kunyaka omtsha. Njengoko uzimisele ukwenza utshintsho olwenziwe kulo nyaka, yongeza enye okanye ngaphezulu kwezi zigqibo zekredithi okanye izikwereti kwoluhlu lwakho.

01 Phuma kwetyala.

Phuma kwetyala kwaye ugcine imali yimbini yeZigqibo zeNtsha zoLutsha. Mhlawumbi kungenxa yokuba abantu abanaso isicwangciso esihle sokuphuma kwetyala, okanye mhlawumbi balahlekelwe yimpembelelo phakathi konyaka. Okanye, ngokuthe xa kunjalo, "ukuphuma kwetyala" kunokuba lukhulu kunenjongo yokufezekisa kwiinyanga ezili-12.

Kunokuba uzame ukuhlawula lonke ityala lakho (ingakumbi ukuba unomlinganiselo omkhulu), gxininisa kumanyathelo amancinci ambalwa, ukuhlanganisa ukuphuma kwinqanaba lesikweletu . Ngaba isicwangciso sakho sakha ngaphandle komhla kaFebhuwari kwaye sijolise ukuhlawula iipesenti ezi-10-20 zetyala lakho lonke ekupheleni konyaka.

02 Ukucoca ingxelo yakho yekhredithi.

Musa ukuthobela ukuba ulwazi oluqulethwe kwingxelo yakho yekhredithi iya kuchaneka. Umbiko we-FTC okhishwe ekuqaleni kuka-2013 ukhankanywe ukuba ama-26 ekhulwini aseMerika anephutha kwiingxelo zabo zemboleko ezingabachaphazela izikolo zabo zemali. Abantu abangama-5 ekhulwini banempazamo eya kubachaphazela amagama abo.

Iintsipho zenzeke, kodwa kukulungele ukulungisa ezo mpazamo. Ingxelo yebhanki ecocekileyo ibaluleke ngakumbi ukuba uceba ukufaka isicelo sokuthenga imali, umboleko wemoto, okanye ikhadi lekhredithi. Ingxabano yeengxelo zemboleko yinto engcono kakhulu yokuqalisa ukususa ulwazi olubi kwi-credit report yakho.

03 Gcina iliso elifutshane kwi-credit yakho.

Kuphela kwabahlanu abathengi bahlola iingxelo zabo zeentengo zemboleko, ngokutsho kweBusiness Consumer Bureau. Ukuba iindleko zigcinwe ekuhloleni umlinganiselo wakho wekredithi, akukho zixhala. Kukho iinkonzo zokujonga iikratshi zamahhala.

Iiwebhsayithi ezimbini, i-CreditKarma.com kunye ne-CreditSesame.com inikezela ngeenkonzo zokubeka iikhredithi zamahhala. Awufanele ufake inombolo yakho yekhadi lesikweletu okanye ubhalisele ukubhaliselwa kwesilingo. Unokuphinde ulayishe iingxelo zakho zeentengo zekhredithi zamahhala nge-AnnualCreditReport.com kanye nonyaka kulowo mnye weziko leentengo zemboleko.

Ukubeka ingxelo kwingxelo yakho yekhredithi kukunceda ukuba ufumane ukutsalwa kobunikazi, ukuqinisekisa ukuba ababolekisi bazisa ulwazi lwakho ngokuchanekileyo, kwaye bakwenza ukuba uthathe inyathelo kwiingxaki zemboleko / zeetyala ngaphambi kokuba zibi kakhulu.

04 Ekugqibeleni ulungise i-credit yakho.

Ngaba ufuna ukulungiswa ngetyala? Ingaba ulunde ntoni? Unyaka omtsha ulungele ixesha njengalowo nawuphi na ukuqala ukulungisa i-credit yakho. Okokuqala, hlola ingxelo yakho yekhredithi ukuze ubone oko kubangela i-credit card yakho embi . Emva koko, yenza isicwangciso sokujongana nayo nganye yezinto, umzekelo, ukuphikisana ne-akhawunti, unikeze umvuzo wokususa okanye uvumele ixesha lokunika ingxelo ngekredithi liphelelwe yisikhathi.

05 Phinda uye kwiimpawu zekhadi lakho lekhredithi.

Ngaba ubuye usebenzisa iitaliti ngendlela ekhuthaza isikweletu , njengokutshiza xa uyazi ukuba awukwazi ukuwufumana? Ukutshintsha imikhwa yokuchitha imali, okokuqala kufuneka uqaphele ukuba unayo. Emva koko, kufuneka unqume isigqibo sokugcina imali yakho yokutshekisha-nangona oko kuthetha ukuba ushiye ikhadi lakho lekhredithi ekhaya. Emva kokuba wenze izigqibo ezifanelekileyo zemboleko kwiiveki ezimbalwa, uya kufumana ukuba imichimo yokuchitha imali iqala ukuza ngokwemvelo.

06 Yeka ukuhlawula okuhlawulayo ukuhlawula.

Umrhumo wokuhlawula umkhwa wokukhokha unobungozi. Konke kuthatha enye indleko enkulu ukuthumela kwiinkcitho zezemali, mhlawumbi nokuba ushicilelwe. Ukuzikhupha kule mkhuba emibi kungathabatha inyanga eziliqela kunye nokuzikhupha okukhulu.

Ukulandelela iindleko zakho , unqumle izinto onokuhlala ngaphandle, kwaye usebenzise uhlahlo lwabiwo-mali ukunika igumbi lokuphefumula kwi-paycheck yakho.

07 Ukuphucula umlinganiselo wakho wekhredithi.

Amanqaku akho ekhredithi achaphazela ukuba ngaba awufumani imvume okanye amaphepha-mboleko amatsha. Kwakhona kuthintela inzala enomvuzo oyihlawulayo. Izikolo ezingaphantsi kweengxowa-mali ezikhanyelayo zengozi okanye inzala ephezulu. Ukuphucula umlinganiselo wakho wekhredithi kuphucula ubuchule bakho bokufumana ikhadi elifanelekileyo lamakhadi kunye nemali mboleko.

08 Yeka ukukhupha amakhadi akho ekwereta.

Uthatha ingozi enkulu yemali xa uqhubeka uhlawula ibhalansi yakho yonke indlela ukuya kumda wesikweletu. Kufuneka uhlale ugcina inkokhelo efumanekayo kungekuphela nje ukukhusela umlinganiselo wakho wekhredithi, kodwa kwakhona ukushiya igumbi lexakeka (oya kujika kwaye ubuyiselwe kwi-fund yakho engxamisekileyo). Kulo nyaka, misela ukuba uya kumisa ukukhawuleza ngekhadi lakho lekhredithi.

09 Qala i-fund yexakeka.

Xa unengxowa-mali yongxamiseko, akufuneki ukuba usebenzise isikweletu okanye ukubolekisa ngemali xa unesixakeka sezemali, njengento enkulu yokulungisa imoto. Ukwakha ingxowa-mali yongxamiseko kunokuthatha ixesha elincinci ngaphezu kokuhlawula ikhadi lekhredithi elisetyenziselwa ukuhlawula iindleko zongxamiseko. Ingxowa yenkxalabo yongxamiseko iya kuhlawula iinyanga zithandathu zeendleko zakho zokuhlala, kodwa ukucima i-$ 1,000 okanye i-$ 2,500 ngokuqhelekileyo kuyinjongo engaphezulu kwexesha elifutshane.

10 Bhatala inzala encinane.

Okubalulekileyo, inzala yindleko yokuba netyala. Imali oyihlawulayo inzala yakho iipokethi zakho xa zikwazi ukukhangela.

Unokuhlawula inzala encinci ngokuthetha ngentlawulo ephantsi okanye ukuhlawula imali yakho ngokukhawuleza (okanye zombini). Ukutshintshela ibhalansi kwipesenti zerhafu yenqanaba lokutshintshwa kwekhadi lesikweletu kungakunciphisa okwethutyana iintlawulo zakho.

11 Yeka ukuhlawula iifizi zokugqibela.

Imirhumo yokugqibela yenye indleko engadingekile eya ngqo kubathengi bakho. Akukho kuphela ukuhlawulwa kwexesha elikhawulezileyo kubangelwa yimali efihliweyo, ungabona kwakhona inkokhelo kwisantya sakho senzala (emva kobugqwetha beentsuku ezingama-60), ukulahla kwinqanaba lakho lesikweletu, kunye nokulahlekelwa kweemali zamakhadi zekredithi. Ezi ziphumo ezimbi zingagwenywa ngokuhlawula iibhilidi zekhadi lesikweletu ngexesha.

Ukuba unenkathazo yokukhumbula ukuhlawula iindleko zakho, qwalasela i-autopay apho iindleko zihlawulwa ngokuzenzekelayo kwi-akhawunti yakho yokujonga. Bhala kwikhalenda yakho okanye udale uluhlu lokuhlawula umrhumo wesikhokhelo ukugcina umkhondo wento ezayo.

12 Phila ngeendlela zakho.

Ukuhlala kwindawo yakho kufuna iinguqu ezinkulu. Kuthetha ukusebenzisa uhlahlo lwabiwo-mali ukugcina yakho imali ukukhangela. Ukulandelela imali yakho ukuze ufumane apho imali yakho iya khona. Ekugqibeleni, kuya kufuneka unqume ukusebenzisa imali yakho yokugcina imali okanye amakhadi enkoleko ukuze wandise imali yakho yokuhlawula.