Kutheni ukuhlawula iNgxowa-mali yangaphambili, Yintoni eyenzekayo
Ukwenza isigqibo esifanelekileyo, kubalulekile ukuvavanya oko ufumana kwimboleko malunga neendleko zokugcina imali mboleko. Uza kusindisa isixokelelwano xa ususa i-matyala ekuqaleni, kodwa akusoloko kuyona nto ingcono ukuyenza.
Okwangoku, makhe sigxininise kwiintlobo, kodwa kufuneka uqaphele ukuba kungabikho iingxaki zokuhlawula iimali mboleko kwangaphambili .
Gcina ngokuKhutshwa kweMali
Isizathu esihle sokuhlawula amatyala kusasa kukugcina imali nokuyeka ukuhlawula umdla . Inzala ayithengi nto nantoni na ngaphandle kokukwazi ukuhlawula ngokukhawuleza - indlu yakho ayifumani nantoni na enkulu kuba uhlawula umdla.
Ezinye iingxowa-mali zidonsa iminyaka engama-30 okanye ngaphezulu, kwaye iindleko zomdla ngokuqinisekileyo zongeza ngaphezu kwexesha. Ezinye iimali-mboleko zingaba zifutshane ngemali-mboleko yexesha elide , kodwa amaxabiso amanqanaba aphezulu enza ukuba abize. Ngamatyala aphezulu (njengamakhadi amaninzi ekhredithi) kuphantse ukuba akukho-brainer: ukuhlawula ubuncinci yimbono embi .
Ngaphezulu kwexesha lakho lobomi, uya kugcina ngaphezulu koko ufumeneyo xa uhlawula imali ngokukhawuleza.
Ngoko yintoni ukuhweba? Xa uhlawula ityala ekuqaleni, awuyi kusebenzisa loo mali eyongezelelweyo. Oku kunokuthetha ukuba ujabulela ubuncinane kwiibhajethi zakho zenyanga, okanye wenza ntoni nge-encushion encinci yemali (okwenza kube nzima ukuhlawula "iindleko").
Ingakumbi, uhlawula iindleko zithuba: uya kufuneka ufike ngemali eyongezelelweyo ukubeka ezinye iinjongo (umhlala phantsi okanye ukuhlawula phantsi kwindlu , umzekelo).
Kwiimeko ezinqabileyo, kunye neengxowa-mboleko "eziphambili", akusibizi ukuhlawula ngokukhawuleza ngenxa yokuba iindleko sele zityiwe kwimali-mboleko yakho - kodwa unokuphelisa loo ntlawulo yenyanga.
Amandla oMali
Xa uhlawula ityala, unamandla kakhulu ngokwezimali. Ukuba imali oye uyibeka kwiintlawulo zenyanga ziza kufumaneka kwezinye izinto - ngethemba lokuba uya kuzisebenzisa ukuxhasa iinjongo zakho.
Uya kuba mnandi ngakumbi njengombolekayo. Ababolekisi bafuna ukuqiniseka ukuba unemali eyaneleyo yokubuyisela imali mboleko, kwaye loo mboleko esele ikhona kakade idle imali engenayo yenyanga yonke (ibala ipesenteji, ababolekisi babiza ityala kwinani lemali engenayo ). Xa uhlawula amatyala, uphucula amatyala akho kwimali engenayo kwaye unako ukufumana imvume emboleko omtsha .
Amanqaku akho ekhredithi angaphumelela xa uhlawula ityala. Ingxenye yesikhokelo sakho sekhredithi isekelwe kwindlela oboleke ngayo - ngokukodwa ngokumalunga nomlinganiselo omkhulu ongabakhoka. Ukuba uthe wagxothwa ngaphandle, izikolo zakho zekredithi ziya kuba ziphantsi, kodwa ukuhlawula ityala kuthetha ukuba unegumbi elininzi. Ukufumana iinkcukacha ezithe vetshe, jonga ukuba imithwalo yakho yekhredithi ithintela njani ikhredithi yakho
Uxolo lwengqondo
Abanye abantu bayamthiya amatyala. Bakhokhela imali mboleko ngokukhawuleza kwangoko-nangona oko kungenzi nto engcono yezemali. Kulungile, nje ngokuba uyazi ukuba kutheni ukwenza.
Awukwazi ukubeka ixabiso kwi lonwabo. Mhlawumbi ufuna ukuphelisa ityala ngaphambi kokuthatha umhlalaphantsi, okanye ugule ukwenza iintlawulo zenyanga.
Jonga ubuso obuninzi, kwaye wenze isigqibo esinolwazi onokuhlala nalo.
Indlela yokwenza
Ngoku ukuba uyazi ukuba kwenzekani xa uhlawula imali yakho mboleko kwangaphambili, mhlawumbi ulungele ukuqhubela phambili. Kwiimeko ezininzi kunzima njengokuthumela imali eyongezelelweyo - nokuba uyakwenza konke kanye okanye uhlawulise enye encinci ngentlawulo nganye. Ifowuni okanye i-imeyile umboleki wakho kwaye ubuze indlela yokwenza ngayo ukuze iintlawulo zakho zichongwe ngokufanelekileyo kwi-akhawunti yakho, kwaye ukuze ukwazi kakuhle ukuba ungathumela kangakanani. Ukuze uthole iinkcukacha ezongezelelweyo kunye neengcebiso, khangela indlela yokuhlawula amatyala okuqala . Ukuba unamakhadi amaninzi ekhredithi, sebenzisa isicwangciso esisebenza .