Xa unetyala, imikhwa ethile iya kwenza kube nzima ukuhlawula ityala lakho ngokufanelekileyo. Okona zimbi, ezi zinto zingakuqhubela phambili. Ukuba awukho inkqubela phambili ekuhlawula ityala, enye (okanye ngaphezulu) yezi zinto ingaba yintoni isizathu. Olu luhlu lwezinto ongazifanele uyenze xa unetyala ukuze ukwazi ukuba yimiphi imikhwa omele uyiphephe.
1. Qhubeka wenze iindleko zekhadi lesikweletu.
Ukuqhubeka nokusebenzisa ikhadi lakho lekredithi ngelixa unetyala liya kukhishwa nayiphina inkqubela eyenziwe ekuhlawuleleni ityala lakho.
Kwaye ukuba awuyi kuhlawula ngaphezulu kwetyala lakho kunokuba usebenzisa, isixa omele sona sikhula ngokwenene kunokunyuka. Ukukhansela amakhadi enkokhelo, ukuwasika, okanye uwafake kwi-block of ice xa ungeke ukwazi ukulawula iimpawu zekhadi lakho lesikweletu .
2. Vula amakhadi amatyala ekutsha.
Ngaphandle kokuba usebenzise inzuzo yentengiso yokutshintshwa kwepesenti, musa ukuvula amakhadi amatyala amatsha ngelixa uzama ukuphuma kwetyala. Omnye umgca weekhredithi uthetha enye inkokhelo encinane kwintlawulo nganye ngenyanga. Akunjalo kuphela, ukwandisa amakhadi enkoleko kwenza kube nzima ukunciphisa ityala lakho lonke. Gcina naziphi na izicelo ezintsha zekhadi lesikweletu emva kokuhlawula ityala.
3. Ungayithobeli iibhilidi zekhadi lesikweletu.
Ukuba kuphela ukungahoyi iibhidi zekhadi lesikweletu kwenza ukuba bahambe. Sonke siza kujongana namatyala ethu. Ngelishwa, ngelixa ujike umva wakho kumakhadi wesikweletu, kukho ukubethelwa kwesiphango sezimali. Izindleko ezincinci zongeza, izikali zakho zikhula, kunye nekhredithi yakho iya kuqhubeka kwinyanga nganye.
Vula zonke izitatimenti zekhadi lakho lesikweletu, nokuba ngaba ubeke i-autopay, ngoko uyazi ukuba iintlawulo zakho zichaphazela njani ibhalansi yakho.
4. Khokha kuphela ubuncinci.
Kukho umzekelo omnye kulo mgaqo kwaye yilapho usenza intlawulo yemali kwikhedi lekredithi ngelixa uhlawula ubuncinci kubo bonke abanye.
Ngaphandle koko, ukwenza inkokhelo encinci yinto eyona nto ungayenza xa utyalwe. Uya kufuneka uhlawule ngaphezu kweyona mincinci ekugqibeleni ukuhlawula zonke iikhadi lakho lekredithi.
5. Yisebenzise imali ngokugqithiseleyo.
Ngamanye amaxesha uxinzelelo lokuba netyala lingenza kube nzima ukuchitha ngokuhlakanipha. Nangona kunjalo, le yinye yezona zihlandlo ezibaluleke kakhulu ukunyamekela ingqalelo indlela ochitha imali ngayo. Yonke idola oyichithayo kwizinto ezingabalulekanga yidola engasetyenziselwa ukunciphisa ityala lakho. Sebenzisa uhlahlo lwabiwo-mali ukucwangcisa imali yakho kwaye ulandele iindleko zakho ukuze ubambe indawo ochitha imali ngokungenasidingo.
6. Yekela ukugcina.
Unokucinga ukuba awukwazi ukukwazi ukugcina imali xa unetyala, kodwa unyanisekile ukuba awukwazi ukugcina imali xa unetyala. Ukuba nokufikelela ekulondolozeni kukugcina ukuba ungene ngokunyanisekileyo kwiityala ukufihla iindleko ezingalindelekanga ezifana nokulungiswa kwemoto okanye i-bill enkulu yonyango. Njengokuba kufuneka uhlawule ngokubambisa imali kunye ne-bill yakho yenyanga yamandla, kufuneka ubeke imali kumatyala kunye nokulondolozwa.
7. Ukuhlawula inkampani yokunceda amatyala ngaphandle kokuphanda.
Kukho ezininzi iinkampani ngaphandle apho zingathanda ukuba ukholwe ukuba zinokukwenza into enetyala lakho ongenako. Ngaphandle kwee -arhente zengcebiso ngeentengo ezingenakuncedo , iinkampani ezininzi zoncedo zesikweletu azifanelekanga inkxalabo okanye intlawulo yenyanga.
Ngaphambi kokuba ubhalise kwiinkonzo zabo, thengisa ngeenxa zonke, yazi i-pros and cons, kwaye uphando nokuba unokuphephe intlawulo kwaye uhlawule ityala lakho.
8. Zama ukuhlawula ityala ngaphandle kwesicwangciso.
Ukuba unquma ukwenza ityala lakho - kwaye unokwenza oku! - bahlanganisa isicwangciso esinamatyala esiqinileyo . Uya kufuneka ukwazi onke amatyala akho, imeko yeeakhawunti (nokuba zikhoyo okanye zidlulileyo ngenxa), kwaye uninzi kangakanani. Kuya kufuneka ukuba ufumane oko unokukwazi ukukubeka kwityala lakho ngenyanga. Xa unako ukuhlawula, ungcono. Ukusuka apho, khetha ityala kwaye uqale ukuhlasela nayo yonke into onayo.
9. Lawula umsebenzi wesikhathi-sithuba.
Okanye ixesha elingaphezu kwexesha, ishishini elincinane, okanye nayiphi na enye inzame yokwenza imali eya kukunceda ufumane imali engaphezulu yokuhlawula ityala . Kukho iindaba ezininzi zeempumelelo zabantu abaye bemba indlela yabo yokuphuma kwamashumi amawaka eedola zamatyala.
Umxholo oqhelekileyo kula mabali kukuba aba bantu bazimisele ukusebenza nzima ukuba benze imali eyongezelelweyo yokuhlawula ityala labo. Oko kwakuthetha ukuthatha indawo egumbini elongezelelweyo, ukuhamba kunye nabazali ukugcina imali, ukuqokelela imali yokuzonwabisa, ukuthengisa izinto ezixabisekileyo, okanye ukuthengiswa kweyadi.