Izinzuzo ezi-5 zokuhlawula umvuzo wakho wokuThuthuka ngeMoto
Ukuhlawula imali yakho yemali mboleko kuqala kuza nezibonelelo ezintle. Kuthatha uqeqesho oluninzi ukuhlawula ityala ekuqaleni. Ngokuzikhandla kunye nokuzimisela, kunokwenziwa ngokuncinane. Ingakunceda ikusasa lakho lemali kwiminyaka ezayo.
01 Londoloza iMali kwiNzala
Inzala kwimali-mboleko yemoto ingongeza ngokukhawuleza. Kulula ukugcina imali ngokuhlawula imali yakho mboleko kwangaphambili. Isixa somdla ohlawulayo nyanga zonke sinciphisa kancinane kuba ibhalansi yakho iyahla. Sebenzisa i-calculator amortization ukuqinisekisa ukugcina kwakho. Ndiyathanda ukusebenzisa i-calculator yemali-mboleko yemali-mboleko. Gcwalisa ulwazi lwakho kwaye nqakraza ukubonisa ishedyuli yohlengahlengiso.
Kwiyesibili ukuya kwikholam yokugqibela, ikuxelela inzala epheleleyo ehlawulwe. Skrolela phansi uze ufumane intlawulo epheleleyo ehlawulwayo. Ngoku uphinde uphinde uphinde ufike apho uthi "yongeza intlawulo yenyanga yongeziweyo" thayipha inombolo efanelekileyo. Skrolela phantsi kwaye ubone intlawulo epheleleyo ehlawulwayo.
Susa le nombolo esezantsi ukusuka kwinani lakho langaphambili kwaye oko kuya kubakho ukugcinwa kwenzalo. I-calculator iya kukuxelela kwakhona umhla wokufumana umvuzo omtsha.
Umzekelo: A Imali-mboleko yemali eyi-15 000 kwi-7% inzala iya kuhlawula i-$ 2821 ngemali ngaphezu kweminyaka emihlanu. Yongeza i-$ 50 ngenyanga kwintlawulo yakho kwaye uza kunciphisa imboleko yakho yemoto ngeenyanga ezili-10, kwaye ugcine i-$ 487 inzala.
02 Qala Ukulondoloza Imoto Yakho Elandelayo
03 Ukunciphisa Iindleko Zomshuwalense Wakho
Ikhetho 1: Gcina i-inshurensi yemoto yakho njengento. Ingasinakusindisa imali kodwa ukuba isithuthi sakho sonakaliswe engozini yemoto yakho yomshuwalense wemoto unokunceda ukulungisa umonakalo.
Inketho yesi-2: Susa ukhuseleko lokubambisana. Ukukhawulelana ngokubambisana yinkcazo oyifunayo xa ukonakalisa isithuthi sakho kwaye kwakuyiphutha lakho. Inokukunceda xa umntu elimaza imoto yakho epakiweyo. Ukubambisana ngokubambisana kudla ngokubaluleka kakhulu. Khangela ingqalelo yakho yengozi, ingaba isithuthi sakho sinokubaluleka kangakanani, kwaye uninzi lweendleko zokufikelela. Ngezo zintathu zezo ngcezu zengcaciso, kufuneka ukwazi ukujonga ukuba ngaba ulungelelwano lukulungele. Ukuba awukwazi ukugqiba isigqibo, fumana isiluleko kwi-arhente yakho. Amaxesha amaninzi akakuxeleli ukuba uthenge kodwa angakunika isikhokelo kwinkqubo yokwenza izigqibo.
Indlela yoku-3: Susa ukhuseleko olubanzi kunye nokukhawulelana. Ukukhusela okubanzi kukukhusela ngomlilo, ukweba, ukuchithwa kwempahla, izinto ezindizayo, inyamazane, imozulu kunye nokunye. Ukususa i-coverage ebanzi kunokukushiya kungekho monakalo owenziwe ngomonakalo kwimigaqo yomshuwalense wemoto yakho.
04 Umzantsi weTyala lakho kuNqanaba lokuNikwa kweNgeniso
05 Inkululeko Yemali
Kulula ukufumanisa ukuhlawulwa ngaphezu kwesithuthi kulungele ukuba awuzami ukukhawulezisa ukuhlawulwa kwakho. Uze ungene emngciphekweni omkhulu okanye unqume ukuba ufuna ukuthengisa kwaye uza kufuneka uhlawule isamba esikhulu sokubambisa ulwahlulo.
06 Xa Ndifanele Ndiyihlawule Isithuthi Sethu Ekuqaleni?
Masithi unomdla wenzala yemali yomshuwalense wemali ye-R10 000, ungalokothi uthwale izilinganiso kumakhadi wakho ekhredithi, kwaye ucwangcise ukugcinwa kwe-inshorensi epheleleyo kwisithuthi sakho. Ngaba kwenzeka ukuba nethemba lokufumana isheke kwi-imeyile ye $ 10,000. Ngaba ufanele uhlawule umboleko?
Kwiimeko ezininzi, ewe. Uya kulondoloza inani lomdla wakho kwixesha elide. Kodwa ukuba unako ukufumana utyalo-mali olunethuba elihle lokuhlawula okuphezulu, njengemalike yempahla, kungenangqiqo ukupaka imali yakho apho kunokugxotha ukuhlawula umboleko oza kunye nemigangatho emihle kwindawo yokuqala.