Ngaba Kubaluleke Kangakanani Amatyala Anginayo?

Indlela esheshayo nelula yokujonga umfanekiso wakho wezezimali kukufumana ukuba unetyala elingakanani. Ngokuqhelekileyo abantu baya kuhlawula ityala labo ukuze inani lingabonakali likhulu njengoko liyiyo. Ngokomzekelo, banokuhlukanisa imali yabo yokubambisa ngaphandle kwabo bonke abatyala babo okanye bahlule ityala kwiintlobo baze bajonge ityala ngaleyo ndlela. Omnye okwenza oko unokuthi unayo imali engama-5,000 kwi-credit card yamatyala, i-$ 10,000 kwimali-mboleko yemoto kunye ne-20,000 yee-mboleko zemali.

Ngokwenene kuyavakala kungcono kunokuba uthi unama-35,000 ayi-35,000 kwiityala. Kuphela kwesinye sezizathu ezininzi zokubangela ukuba abantu basebenzise ukuxhomekeka ekuhlaleni ityala. Ixesha lokulungisa le ngxaki.

Kutheni Ndifanele Ndiyifumane Ingakanani Amatyala Anginayo?

Kubalulekile ukuba ungayahluli inani letyala olihlawulwayo kubanye ngenxa yokuba kunokukwenza kube lula ukuqhubeka nokuya ematyaleni. Umfanekiso wezezimali wezezimali uza kubhala uluhlu olukhulu lwetyala, kwaye ke uthelekise loo mali kumanje okwenza unyaka. Ukuba unetyala elingaphezu kokwenza kwakho ngonyaka, kufuneka uqale ukusebenza ngokukhawuleza ukuba uyeke ukuya kwetyala uze uphendule loo nombolo ngeenxa zonke.

Kwakhona kunceda ukongeza kwaye ubone ngenani elikhulu ukuze utshintshe imikhwa yakho . Njengenkcubeko, abaninzi abantu bafumana intlawulo abayifanele bayenze kunokuba bafumane ithuba. Nangona ungabheka ezinye iitalato zibe bhetele kunabanye , kufuneka uzibandakanye bonke kwisicwangciso sakho sokuhlawula ityala.

Ukujonga inombolo enkulu kunokunceda ukutshintsha indlela ocinga ngayo nokuziva ngayo ngemali.

Ndiyifumana Njani Ingxowa Endiyenayo?

1. Qala ngokuqokelela onke amatyala enayo, kubandakanywa nemali yakho yokuthenga kunye nokudibanisa amanani ukuze ube neyonke. Oku makube ngamakhadi akho ekhredithi, amakhadi esitolo, iimali-mboleko zentlawulo kunye nemali yakho yokuthenga.

1. Emva koko faka inombolo ngaphandle kokufaka imali.
2. Emva kokuba wenze oko kujonga kwisitatimende ngasinye kwaye wongezelela ukuba uhlawula njani inzala nganye ngenyanga.
3. Emva koko unako ukudibanisa ndawonye iintlawulo zakho nyanga zonke ukufumanisa indlela umthwalo wakho wetyala lenyanga.
4. Unokukhupha ingxelo yakho yekredithi kwaye uhlolisise kabini ukuqinisekisa ukuba awulibalali nawaphi na amatyala.

Kukho izinto ezimbini omele uyenze ngala manani. Okokuqala, jonga uhlahlo lwabiwo-mali kwaye uqaphele ukuba yeyiphi ipesenti yakho ethatha umvuzo wekhaya usetyenziselwa ukuhlawula iintlawulo eziphantsi kwetyala lakho. Le pesenti akufanele iphakame ngaphezu kwe-30 ekhulwini yengeniso yakho kuba iyingozi. Emva kokuba wenze oku, khupha umrhumo owuhlawulayo kwinzala nganye ngenyanga ukusuka kuloo mali uhlawula kwi-nyanga nganye nyanga. Inombolo ekhuphayo yimalini enoba uyayinciphisa ityala lakho ngenyanga.

Ezi zibalo kunye nemibuzo inokukunceda ubone apho uhlala khona ngokwemali. Ityala lakho lingathatha ngokukhawuleza ubomi bakho kwaye unciphise ukhetho lwakho kuba uhlala unentlawulo. Ukongezelela, cinga oko ungayenza ngayo yonke imali oyithumelayo ukuhlawula ityala lakho ngenyanga. Ngayinye yezi zinto kunokukunceda wenze isigqibo sokuphuma kwetyala kunye nokuhlala ngaphandle kwetyala.

Kubalulekile ukuhlala ugxile ekuphumeni kwetyala ngelixa usebenza kwisicwangciso sakho sokuhlawula ityala.