Xa ubeka isicwangciso sakho sokuhlawula ityala , kukho imigaqo emibini yokucinga ngomyalelo ohlawula amatyala akho. Enye ingcamango kukuba kufuneka uhlawule amatyala akho ukusuka kwinqanaba lexabiso eliphezulu ukuya kwelona xesha liphantsi kuba oku kukugcina imali eninzi ngexesha elide. Esinye isikolo sombono sifuna ukuba uhlawule amatyala avela kumncinci kuncinci ukuze ukwazi ukufumana ukunyuka kwesicwangciso sakho sokuhlawula ityala, esinokukunceda ukuhlawula amatyala ngokukhawuleza. Ngesicwangciso esiqinileyo esikuyo, ungagxininisa imali eyongezelelweyo kufuneka uyihlawule amatyala akho ukukunceda ukuba uphume kwetyala ngokukhawuleza.
01 Izizathu zokuhlawula iziTyala zakho eziphezulu kunazo zonke
02 Izizathu zokuhlawula iziTyala zakho ezincinci kuqala
Unokufumana isixa esithile sokwaneliseka ekuhlawuleni amacala akho amancinci kuqala. Unokucima ezininzi iintlawulo ezincinane zenyanga kunye kwaye usebenzise ngokukhawuleza imali eyongezelelweyo ohlawula ngayo ityala lakho lebhola. Kungabonakala ngathi yindlela enhle yokuqalisa kwisicwangciso sakho sokuhlawula ityala, kodwa unokulahlekelwa ezinye iintlawulo zerhafu okanye ugqibe ukubeka imali ephezulu yemali mboleko. Oku kuthetha ukuba ungagqiba ukuhlawula ngaphezulu inzala ekuhambeni kwexesha.
03 Cinga Ngeekhefu Zentlawulo
Kukho iimali-mboleko ezifana nemali-mboleko yomfundi kunye nemali yokubolekwa kwemali ekunika imali yokuhlawula irhafu kwi-interest you pay. oku akufanele kube yeso sizathu sokungabandakanyi kwinqanaba le-snowball yakho, kodwa kuyacaca ukuba oku kuya kuhamba emva kwoluhlu lwakho. Ngokomzekelo, unokufuna ukukhawuleza ityala lakho lekhadi lesikweletu uze usebenze ngemali-mboleko yakho yomfundi (edla ngokuba ne-interest rate) ekubeni unako ukukhangela ipesenteji yomdla ohlawula ngayo ityala.
04 Cinga ngokukwakha i-Snowball yakho
Ukuba uninzi lweentlawulo zenyanga ezincinane zezinto ezinjengetyala lezonyango okanye iimali ezidlulileyo zetyala, unokufuna ukubeka phambi kwakho ityala le-snowball nangona bangenayo inzala ephezulu kuba unako ukusebenzisa ezo ntlawulo ukunceda ukwakha imali eyongezelelweyo oyihlawulayo kwiimali zakho kwaye iya kufumana ityala lakho lebhola lebhola. Inokuba luncedo kakhulu.
05 Thatha indlela efanelekileyo
Njengoko ubeka isicwangciso sakho sokuhlawula amatyala, kufuneka wenze isicwangciso esiza kusebenza okusemandleni akho kwaye kukunceda ufinyelele iinjongo zakho ngokukhawuleza. Unokuthatha indlela enokulinganisela kwisicwangciso sakho sokuhlawula amatyala. Unokuba namatyala amaninzi owaziyo ukuba ungayikhupha ngeenyanga nje ezimbalwa, kwaye unokubeka abo phambi kwecebo lakho lokuhlawula ityala. Emva koko unganquma ukuba ufuna ukusebenzela ematyaleni amancinci okanye inzala ephezulu kakhulu. Ukuba unamakhadi-ngetyala anomlinganiselo ofanayo wenzala, unokufuna ukuhlawulela ibhalansi encinci kuqala uze usebenze kuwona mkhulu. Ukuba ixabiso liphantsi kwepesenti okanye ezimbini, kwaye uyazi ukuba unokuhlawula ngokukhawuleza ngokukhawuleza, kukunika amandla amaninzi ukuhlawula imali eninzi ongayifuna ukwenza loo nto. Unokufuna ukubeka iimali-mboleko ezikugcinayo kwiirhafu ekupheleni kwesicwangciso sakho sokuhlawula amatyala. Oku kuya kuba ngumboleko wakho wezemfundo, umbolekiso wokulingana ekhaya okanye imali yesibini yokuthenga. La matyala angaba neerhafu ezincinci.
06 Ukunamathela kwisiCwangciso sakho
Xa uqala ukuhlawula imali eyongezelelweyo kwimali-mboleko yakho, kuya kufuneka uqinisekise ukuba ubeka iintlawulo ezongezelelweyo kwiindlela ezifanelekileyo zokuboleka imali. Oku kunokuthetha ukuba wenze intlawulo enye eyongezelelweyo ngenyanga, ngemali-mboleko, okanye nje ukongeza imali eyongezelelweyo kwingxowa-mali oyenzayo. Kufuneka kwakhona uhlale ukhuthazwa ukwenza iintlawulo ezongezelelweyo. Ithenda yokuhlawula ityala apho ulandele inkqubela yakho inokukunceda, kunye nokubhiyozela nganye ibalulekileyo kwindlela. Njengoko ukwenza oku, uza kukwazi ukuhlala kwisikolo sikhululekile . Njengoko imigqaliselo yemali-mboleko yakho iyatshintsha okanye imeko yakho yangoku iguquka, unokwenza utshintsho kumyalelo wecebo lakho lokuhlawula ityala, kodwa kufuneka uqhubeke uhlawula inyanga nganye.