Ityala elincinci liyakwenzakalisa, ngaba kunjalo? Yile ndlela iqala ngayo. Ukwenza ukuthenga okuncinci kwikhadi lakho lesikweletu kwaye emva kokuba wazi, yenza amawaka eedola kwiitaliti. Kodwa, yintoni na into ephosakeleyo ngokuba ne-encinci-okanye ininzi-ityala? Uninzi, ngokwenene.
01 Umatyala ukhuthaza ukuba usebenzise okungakumbi kunokuba unako ukuphazamiseka.
02 Iindleko zetyala Imali.
Umatyala uzizwa ukhululekile xa uswayiguqula ikhadi lakho okanye iimpawu zemali-mboleko, kodwa akhululekile nhlobo. Ngokuqhelekileyo, uhlawula intlawulo yesikweletu oya kudala. Le xabiso liza ngenomdla. Ephakamileyo inzala, ininzi uya kugqiba ukuhlawula ityala lakho. Kwakhona, ixesha elide likuthatha ukuba uhlawule kwaye uphakamise umthwalo wakho wetyala, umdla oza kuwuhlawula.
Impazamo yodwa ngumboleko ongenamdla okanye ipesenti zeprogram UKukhuthazwa kwekhadi lokuthenga ngetyala , kodwa kwanokuba unomda kwaye unokulahleka xa ungekho phantsi kweentlawulo zakho.
03 Ityala liboleka kwikamva lakho.
Naliphi na ixesha uthabatha imali mboleko okanye uhlawulise into kwikhadi lakho lesikweleti, ngokwenene uboleka kwimali oyithemba ukuyifumana kwikamva. Ngaba ngokwenene ufuna ukuchitha imali yakho ekuhlawuleleni into osuyisebenzisileyo kwaye ungayifumani ixabiso elingakumbi?
Iimali eziMatyala eziPhakamileyo zeMali eziKhuselekileyo Unokuzihlawula ngaphezu kwexabiso lexabiso.
Ukuba uthengela i-$ 2,000 yokugcina indawo kwikharityhulam yakho yekhredithi kwi-11% kwaye yenza kuphela intlawulo encinci , uya kugqiba ukuhlawula ngaphezulu kweedola ezingama-3 400 ngelixa uhlawula ngokupheleleyo ityala. Yiyo i-$ 1,400 ngaphezu kwefenitshala yindleko. Nangona ukhupha imali yakho yenyanga ngenyanga kwi-100 eyi-100 kwaye uhlawule ibhalansi, usenokuhlawula i-$ 220 ngaphezu kweendleko zefenitshala. Ngakolunye uhlangothi, unokubeka eceleni i-$ 150 inyanga ezili-14 zenyanga kwaye wenze ukuthenga ngokuzeleyo ngaphandle kweendleko ezongeziweyo.
05 Amatyala agcina wena ukufezekisa iinjongo zakho zemali.
Inkokhelo yenyanga yamatyala umlinganiselo wemali onokuyichitha kwezinye izinto, kungekhona nje umhlalaphantsi, kodwa uhambo ohlala ufuna ukuthatha okanye izipho zeKrisimesi zentsapho yakho. Unamatyala amaninzi ozifumanayo, iintlawulo zakho zenyanga ziza kubakho kunye nokuncinci kufuneka uchithe kuyo yonke into.
06 amatyala angakugcina ukuba ube nekhaya.
Ikhadi lokuthenga ngetyala, imoto, kunye netyala lomboleko lomfundi ziqwalaselwa xa zifaka isicelo semali mboleko. Ukuba ezinye iintlawulo zetyala ziphezulu kakhulu, unokuguqulwa ukuboleka imali. Oko kuthetha ukuba uya kubamba ukuqasha, okanye kwi-mortgage yakho yangoku uze uhlawule enye ityala lakho.
07 Amatyala angakhokelela kwiinkxalabo kunye neengxaki zezoNyango.
Xa unetyala, kunzima ukuba ungakhathazeki malunga nendlela oya kwenza ngayo iintlawulo zakho okanye indlela oya kugcina ngayo ekuthathweni kwetyala elingaphezulu. Uxinzelelo olusuka kwiityala lungabangela iingxaki zempilo ezinzima ezibandakanya izilonda, i-migraines, ukuxinezeleka, kunye nokuhlaselwa kwentliziyo ngokwe-poll eyenziwe yi-Associated Press kunye ne-AOL.
08 Amatyala angakukhathaza umtshato wakho.
Iingxowa zibeka uxinzelelo olungadingekanga kwiimali zezindlu kwaye zidale ukungabi nokhuseleko lwemali kumlingane wakho kunye nabantwana bakho. Amatyala angabangela iingxabano malunga nokuba ngubani odala ityala, ingaba likhulu kangakanani ityala, kwaye ngubani na ojongene netyala eliqokelelwayo. Ezi ngxabano zinokunyuka kwaye zikhokelela ekuphazameni komtshato.
09 Amatyala awenza kakubi umvuzo wakho.
Ingxenye yesikalo sakho semali-mboleko - i-30% ukuba ibe yinto echanekileyo-isekelwe kwimali enetyala. Ingxowa ethe xa uthelekisile kunye nemingcele yakho yemali kunye nemali yokulinganisa yemali-mboleko, i-low score your score will be. Ngaphandle kokuba ungathengi ngekhadi lesikweletu okanye umbolekiso, amanqaku akho ekhredithi ayichaphazela ubomi bakho kunye neendleko zeminye imveliso kunye neenkonzo, njenge-inshurensi yemoto.