Unokuthatha iindlela eziliqela zokurhoxisa umboleko wesikweletu somhla we-payday. Siza kucacisa ngale ndlela zingezantsi kwaye sixoxe ngeendlela zokuthintela ingxaki ekubuyeni.
- Ukuhlawula imali mboleko ngomboleko omtsha, obizayo.
- Ukuhlawula imali mboleko ngokulondoloza.
- Hlela inkqubo eyongezelelweyo yokuhlawula kunye nomthengisi wakho wamanje.
- Ukwandisa okwethutyana ingeniso yakho ekupheliseni ityala.
Fumana iMali-mboleko eyahlukeneyo
Ukuba awukwazi ukuhlawula imali mboleko ngeli xesha, umboleko ohlukile ungenza kube lula ukuphuma kwetyala.
Abanye ababoleka imali: Phantse nayiphi na enye imali mboleko iya kuba nexabiso elingaphezulu kuneemali-mboleko zemini, ngoko uzama imithombo eyahlukeneyo yemali. Iibhanki zoluntu ezincinci kunye neemanyano zetyala ziyindawo efanelekileyo yokubheja ukufumana imvume, ngakumbi ukuba unetyala elibi okanye awuzange ubeke i-credit. Abanye ababolekisi be-intanethi banokubambisa abobolekayo ngekhredithi engaphantsi. Oku kwathiwa, naliphi na ukukhangela ababolekisi abathengisa "ababoleki ababi", ubeka umngcipheko wokusebenzisa ababolekisi abasemthethweni. Qala kunye nabanye ababolekisi be- intanethi ezidweliswe apha okanye abahloniphekileyo abaontanga .
Ukuhlanganiswa kwetyala: Esikhundleni sokuhlaziya iimali-mboleko ezikhoyo ezikhoyo, qulunqa loo mboleko nge mboleko ethe xaxa, uze uqale ukuhlawula imali mboleko. Bhoxisa ngokwaneleyo ukuhlawula ityala lakho elikhoyo (kwaye mhlawumbi ngokwaneleyo ukugcina ungayifumana enye imali mboleko) -ngekho nto. Kungathi ngathi uboleka kuPetros ukuba ukhokhe uPawulos, kwaye unjalo, kodwa uboleke ngeendlela ezingcono.
Isisitshixo kukuba uhambe kwimali-mboleko ye-payday efanelekileyo. Uya kuba nexesha elingaphezulu lokubuyiselwa, kwaye uya kuhlawula iindleko zezemali ezantsi.
Fumana uncedo ngokuvunywa: Ukuba awukwazi ukuthotyelwa, cinga ukuba ubuze umntu onetyala elifanelekileyo ukuba akhokhe umboleko . Lo mntu uya kuqinisekisa ukuba uya kuhlawula ngexesha. Ukuba awuyiyo, umnxibelelwano wakho uza kuba ngu-100% uxanduva lokuhlawula loo mboleko-ngoko kukuxanduva olukhulu kunye nomngcipheko waloo mntu. Ikhredithi ye-cosigner iya kubonakaliswa ukuba iintlawulo zifike emva kwexesha okanye xa ungekho phantsi kwembolekiso, kwaye ababolekisi bangenisa amanyathelo omthetho kumagosa .
Unayo imali?
Ukuba utshintshile ingqondo yakho ngemali-mboleko ye-payday oyifake isicelo esandula-okanye ufike kwimali ethile kwaye iimeko zakho zitshintshile-zama ukubuyisela imali. Abanye ababolekisi beentlawulo zivumela ukuba uguqule ukuthengiselana kwimihla yomsebenzi omnye wokuboleka ngaphandle kweendleko. Umthetho ngokukhawuleza kwaye uqhagamshelane nomboleki wakho ngenxa yokuba unokufuna ukubuyisela mboleko mboleko ngaphambi kokuvalwa kolu suku lworhwebo.
Ukuhlawulwa kweNtlawulo
Xa amaxesha anzima kwaye awukwazi ukuhlawulwa kwemali-mboleko ye-payday, qhagamshelana nomboleki wakho kwaye ubuze malunga nezinto ozikhethayo. Abanye ababolekisi banikeza izicwangciso zokuhlawula ezongezelelweyo kunye nezinye iindlela zokuncediswa kwexesha elifutshane. Ababolekisi "abahlobo" -kubandakanya ubuninzi beevenkile ezinkulu zokuthenga izitena kunye neentsika ozibona ngezitalato ezixakekileyo-zikwaMbutho wezeMali zoLuntu waseMelika (i-CFSAA), enezikhokelo zokuseka izicwangciso zokuhlawula.
Yakha i Cash
Ngamanye amaxesha ukufumana imali engakumbi kwibhajethi yindlela yakho kuphela. Kukho iindlela ezimbini zokwenza oku: Ukufumana imali engenayo, okanye ukunciphisa iindleko. Kulula, kodwa bobabini benza kakuhle.
Ukwandisa ingeniso: Ukuba kunokwenzeka, fumana umsebenzi owongezelelweyo. Awudingi umsebenzi osisigxina-ufuna nje ukuvala ixesha elifutshane ukuphuma kwintlawulo yemboleko yemali ekhoyo. Ukusebenza okungakumbi mhlawumbi kuyinto yokugqibela ofuna ukuyenza, ngakumbi xa sele usasazeka. Kodwa cinga ngemali engenayo ngaphezu nje komvuzo owufumanayo. Kwakhona nemali oyiphepheyo yokuchitha imali kwiintlawulo ezininzi zemali yokuhlawulwa kwemali. Le ngeniso ingenza umehluko phakathi kokunyuka kwetyala kwaye ubuyele ezinyaweni zakho.
Thengisa izinto: Unokungenisa imali ngokuthengisa izinto. Njengomsebenzi owongezelelweyo, akusizi, kodwa kulunge kunokuhlawula iindleko zemali.
Ukuba ukusebenza okungakumbi akuyiyo inketho, oku kusenokukhetha kwakho okulandelayo ukunyusa imali ngokukhawuleza.
Ukunciphisa iindleko: Ukuba ukuzisa imali ayikho inketho, kufuneka uchithe ukuchitha imali kude kube yinto ephezulu kwimali yakho. Oko kuthetha ukugawula amathambo angenanto. Yenza yonke isidlo ngokwakho, uze usebenzise ukutya kwakho kwasemini. Cima iindleko ezingenasidingo ezifana nekhebula, kwaye ufumane iindlela ezingabizi ukuba uhlale ujabule.
Zibekele Ixesha Elizayo
Xa usuzinyaweni zakho, uya kufuna ukuphepha ukubuyela kwimali-mboleko ye-dayday. Unokwenza oko ngokwakha isiseko sezimali esinamandla.
Inkxaso engxamisekileyo: Misa i- fund yexakeka-mali ukuze ube nekheshi ngesandla xa ufuna. Qala ngokubeka eceleni iikhilomitha ezimbalwa zeedola, uze uwakhele kwiwaka. Ekugqibeleni, kufuneka ube neendleko zokuphila ngeenyanga ezilisithoba ukuya kweyesithoba, ezifanele zibandakanye ezininzi zezinto ezimbi. Kodwa qalisa encinane ngoku kwaye usebenze indlela yakho.
Yakha ikhredithi yakho: Ukuze ufumane iimali-mboleko ezingabizi kwixesha elizayo, ufuna i-credit entle. Ukuba i-credit yakho ayimpofu okanye awunayo nayiphi na imbali yamatyala, misela i-credit yakho ngexesha . Qala ngokufumana umboleko omncinci ogcinwe ngemali (okanye uzame ikhadi lekhredithi elikhuselekile ). Yenza zonke iintlawulo zakho ngexesha, kwaye i-credit yakho iya kuphucula ngokukhawuleza. Emva koko, kuya kuba lula kakhulu-kwaye ifikeleleke-ukukhupha iindleko ezinkulu.
Ngaphezulu kweNtloko yakho?
Ukuba uzinzulu kwindawo yokubolekisa ngemali yeentlawulo, uthetha nomcebisi wezikweletu ezilayisenisi. Ngeengcebiso zokufumana uncedo lwendawo, qalisa kwi-NFCC.org. Abacebisi ngezezikweletu bakunceda ukuba ubambe kwiinkcukacha zebhajethi yakho kwaye unokusebenza kunye nababolekisi bakho ukufumana indlela yokuphuma. Ukuchithwa kungabakho ukhetho, kodwa kuyinyathelo elikhulu, kwaye enye kufuneka uyenze kuphela emva kokuxubusha nokuxubusha nommeli wengingqi.