Impendulo:
Inkokhelo yakho kwimali engenayo yinto enye ongayisebenzisa ukulinganisa inani lesikweletu onalo. Ababolekisi bajonge ityala lakho kumvuzo wokufumana imali ukuze uqinisekise ukuba ukhuselekile ukuba babole imali. Umncinci wamatyala kwinqanaba lokufumana ingeniso, ngakumbi xa kuthe ixesha lokuthenga ikhaya.
Unokufumana ityala lakho kwinani lemali ngeniso ngokufakela ndawonye imali oyihlawulayo kwiintlawulo zetyala ngenyanga.
Emva koko ukwahlula loo nombolo ngemali oyenzileyo inyanga nganye kunye nepesenti eziphumo ziyi-matyala akho kwinani lentlawulo. Ukuba unayo i-$ 500.00 kwiintlawulo zetyala nganye ngenyanga kwaye wenza i-$ 40,000.00 ngonyaka (i-$ 3333.33 ngenyanga) ityala lakho kwinani lentlawulo li-15%, elibhekwa njengelungileyo.
Ukuba inkokhelo yakho kwimali engenayo iphezulu kunama-40 ekhulwini usengozini yokungakwazi ukuhlawula iindleko zakho ukuba unokufumana ityala elingaphezulu. Oku kwenza ukuba ufumane ngakumbi ngakumbi kwingeniso yakho yangoku kwaye kunokukhusela ukuba ungathathi amathuba amatsha. Kufuneka ulwele ukunciphisa inani kuze kube yilapho.
Unokunciphisa ityala lakho kwinani lentlawulo ngokunciphisa inani lesikweletu onalo. Ukuba ubeka isicwangciso sokuphelisa amatyala unokuphuma ngaphandle kwetyala ngokukhawuleza. Udinga ukugxininisa nayiphi na enye imali eyongezelelweyo kufuneka uyihlawule ityala kwilityala elinye ngexesha. Oku kuya kunciphisa umgaqo ngokukhawuleza kwaye kukuncede utshintshe umfanekiso wakho wezezimali.
Kwakhona kubalulekile ukuqwalasela ityala lakho kwinani lentlawulo ngaphambi kokuthatha imali mboleko entsha . Ukuba uboleka imali eyokubeka kufuphi neepesenti ezingamashumi amane, kufuneka ucinge ngokuthatha imali mboleko. Unokufumana imoto engabizi kangako okanye ukuba yinto enokuzithengisa ungadinga ukuyigcina kwaye uyihlawule ngemali.
Kubalulekile ukubukela ityala lakho lekhadi lesikweletu, kuba liyakunqumla kwaye lichaphazele kakhulu ityala lakho kwinani lentlawulo.
Ukuba awuqapheli le nombolo, unokwenza imali ephosakeleyo yempazamo . Inokuthi ithintele kakhulu ukuba uninzi lwenkokhelo yakho nyanga zonke iya kwiintlawulo zetyala nganye nyanga. Ephakamileyo eli nani lihamba, ingozi ekhoyo yokungagqibekanga kwimboleko kunye nokulimaza amanqaku akho. Nangona kungekhona wonke umntu oya kuba nako ukuhlawulwa ngokupheleleyo kwetyala kwiminyaka engamashumi amabini, unokusebenza ekunciphiseni ityala lakho kwinani lentlawulo. Oku kuya kwenza kube lula ukufumana ilungelo lokuthenga ngemali xa ufuna enye. Thatha ixesha ngoku ukuseka isicwangciso sokuhlawula ityala kwaye ufike kwibhajethi ukuze utshintshe imeko yakho. Unako ukufumana ityala ngaphandle kwekhaya lakho kwiminyaka embalwa nje. Ngokukhawuleza ukwenza ukuba utshintsho luya kuba lula ukutshintsha imeko.
Kungenwabheka ukujonga umlinganiselo wakho wesikweletu-kuya-ngeniso, kunye nesixa sakho sonke setyala, kuba kukuvimba ukuba ungaqambi amanga malunga nemali yakho . Unokubona ngokuthe ngqo apho uphantsi kwezezimali kwaye wenze isicwangciso esiza kukunceda ukuphuma kwetyala kwaye utshintshe ikusasa lakho lemali. Yeka ukwenza izizathu zokuba uhlale unetyala kwaye uthathe ixesha ngoku ukwenza le nguqulelo.
Ukwenza oku kunokukunceda uqaphele ukuba ityala lakho linokukulimaza njani .