Nazi ezinye izinto onokuzenza.
Zincede Okokuqala
Xa abagadi beenqwelo-moya bekhusela inkululeko yabo yokuthetha, bahlala bethetha ukuba kufuneka ulungise imaski yakho ye-oxygen ngaphambi kokunceda abanye. Awukwazi ukunceda omnye umntu ukuba aphile xa unzima ukuphefumula. Ukuba wena kunye neqabane lakho nitshatileyo, unokwakha kwakhona ngexesha elinye. Kodwa musa ukuyihoxisa inkokhelo yakho.
Ukusekwa kweBhajethi yeMakhaya
Isiseko sokwakha umgangatho omhle wemali- mboleko kukuziphatha okuhle kwemali . Oko kuqala ngokuba nebhajethi okanye icebo lokuchitha imali yakho. Ukuba awunayo enye, yakha uhlahlo lwabiwo-mali olusekelwe kwingeniso yakho kunye neendleko zakho. Isabelo-mali siya kukuvumela ukuba ubone ukuba unayo imali eyaneleyo yokuhlawula iibhili. Khuphula ingeniso yakho okanye ukunciphisa iindleko zakho ukwenza ukuchitha ikhefu.
Sebenzisanani kunye nokwakha ingxowa-mali yengxakeko yomzi enokufikelela kuzo zombini . Ingxowa yexakeka engxamisekileyo igcina bobabili ukuba bathembele kwikhadi lesikweletu, okanye ngemali ebiza kakhulu, ukuhlawula iindleko ezingalindelekanga.
Yaye ukuba wena okanye iqabane lakho usebenzisa ikhadi lekhredithi ukuhlawula imeko engxamisekileyo, sebenzisa i-fund yengxowa-mali yokukhawuleza ukuba uhlawule umrhumo ngokukhawuleza. Ingxowa yenkxalabo yongxamiseko iinyanga ezintathu ukuya ezintandathu zokuhlala kweendleko, kodwa unokuqala ngenjongo encinci ye-$ 1,000 kwaye usebenze indlela yakho ukuya kwi-savings ephezulu.
Fundisa Umlingani Wakho Ngetyala kunye neZenzo eziMboleko
Bancede baqonde i-credit bureaus, ingxelo yokuthenga ngetyala, kunye neengxelo zemboleko.
Chaza ulwalamano phakathi kwababolekisi kunye namaziko eentengo zemboleko, ukuba zihlawulwa njani iintlawulo ezikhawulezileyo, kwaye ukuba izikali eziphantsi kunye neentlawulo ezifike ngexesha ziza kunceda njani ukufumana amanqaku angaphezulu.
Nazi iinqununu ezimbalwa zokunceda uchaze ngetyala:
- INgxelo yeMboleko kunye noBuchule beSiseko
- Amanqaku aMatyala athatyathwa njani
- Indlela yokwakha izenzo ezifanelekileyo zeNtengo
- Imibuzo kunye neNtshukumo yokuSebenzisa iNgxowa ngokuhlakanipha
Ukuphonononga iingxelo zakho zeentengo zemboleko kunye kunye , kodwa ungazihlolisisi okanye uqhawule umlingane wakho ngeempazamo zangaphambili. Injongo kukuchonga izinto ezimbi ukulungisa nokuza nesicwangciso sokuzilungisa. Usenokumangaliswa ukufumana iimpazamo kwi-credit statement yakho.
Ezinye zezona zifaki zibizo zokungena kwiingxelo zemboleko zi-akhawunti zokuqokelela amatyala, izilinganisi ezidlulileyo, iibhendi zerhafu, ukuchithwa kwemali, ukuchithwa kwemali, okanye i-loan loan. Unokufumana ikopi yamahhala yeengxelo zakho zekredithi nge-AnnualCreditReport.com.
Yiya ngeNkqubo yokuhlawula amatyala
Ukuba netyala elikhulu labathengi lingazilimaza zombini izikolo zakho zemali . Sebenzisa iingxelo zakho zeentengo zemali kunye nezinye izitatimenti zentlawulo yokudala uluhlu lwamatyala akho. Emva koko, yenza isicwangciso sokuhlawula izilinganiso . Ngokuqhelekileyo ukukhetha ityala lokulahla okokuqala ngokuhlawula ngokubanzi njengoko unakho kumanqanaba akho ngelixa uhlawula ubuncinci kubo bonke abanye.
Yabelana ngeKhadi leKhadi leKhadi
Sebenzisa i-credit card yakho ekuncediseni ikhredithi yomlingane wakho ngokwenza umlingane wakho njengomsebenzisi ogunyazisiweyo kwenye (okanye ngaphezulu) yamakhadi wakho ekwereta. Emva kokuba ungeze umlingane wakho njengomsebenzisi ogunyazisiweyo, imbali yale akhawunti iya kubonakala kwingxelo yekhredithi yomlingane wakho. Qinisekisa ukuba yi-akhawunti kunye nembali yamatyala entle, okanye iinzame zakho ziya kubuya.
Enye Impendulo Yokuba I-Akhawunti Edibeneyo kunye Nomlingani Wakho
Uya kufaka isicelo sekhadi lesikweletu ndawonye, kwaye umniki wekhadi lokuthenga ngetyala uya kuhlolisisa zombini iimbali zakho zemali ukuba avumele isicelo. Njengomnini we-akhawunti edibeneyo, wena kunye neqabane lakho niyaxanduva ngokulinganayo. Ukuba nawuphi na ohluleka ukwenza iintlawulo kwi-akhawunti, umbolekisi angayilandela elinye iqabane elilinganayo.
Ngokuthelekiswa, xa iqabane lakho liphela ngumsebenzisi ogunyazisiweyo, umboleki-mali usebenzisa kuphela umlando wakho wekredithi ukubeka imigaqo yekhadi lesikweletu kwaye ugcina uxanduva lweentlawulo ezenziwe ekhadini.
Umthetho we-Federal ufuna abakhupheli bekhadi lokuthenga ngetyala ukuba bacele imali engenayo kunomvuzo wendlu xa bevuma izicelo zekhadi lesikweletu. Ukuba lakho iqabane lingenayo imali engenayo ngaphandle kweyakho, ayiyi kukwazi ukufumana imvume yekhadi lesikweletu.
Ukukwabelana ngekhadi lesikweletu kudinga ukunxibelelana okuninzi malunga nendlela oyisebenzisa ngayo kwaye uyihlawule ikhadi. Ngaphambili, ncokola malunga nemida yokuthenga kunye nemikhwa yokuhlawula ukukhusela ingxabano.
Ncedisa Umlingani Wakho Thola iKhadi leMali eliKhuselekileyo
Ikhadi lekhredithi elilondoloziweyo linye inketho yokwakha kwakhona umlando weebhanki ezibi . Inxalenye eyona nto inzima kakhulu ngokufumana ikhadi elikodwa lekhredithi, ngaphandle kokufumana ingeniso yodwa, iya kuza kunye nekhuseleko. Hlaziya uhlahlo lwabiwo lwekhaya kwaye uqaphele indlela wena kunye nomlingane wakho onokuza ngayo ne-security deposit. Amanye amakhadi ekhredithi awamkelekileyo ayamkela i-deposit deposit njenge-$ 200.
Xa umlingane wakho enekhadi lekhredithi, nokuba yedwa okanye kunye nawe, kubalulekile ukuba asebenzise iimpawu zeentengo zemboleko. Oko kuthetha ukuhlawula kuphela isahlulo semingeni yemboleko kunye nokuhlawula ibhalansi ngokupheleleyo kunye nexesha ngenyanga. Khumbuza iqabane lakho ukuba lihlawule ibhalansi nganye ngenyanga okanye bhetele, hlawula iibhokhwe zakho kunye ngenyanga.