Ndingayilahlekelwa njani Imali Ukuba Ndiza kuTyala ngeTyala leKhadi leKhadi?
Indlela efanelekileyo yokubonisa oku kukujonga kuphela amanani. Unokwazi ukubheka izinga lokubuyela kwii-investments zakho. Iingxowa-mali eziphambili zomzimba zinezinga lokubuyela kweepesenti ezisibhozo, ezinye ziba ziphakamileyo, ezinye zingaphantsi. Amanqaku amaninzi amatyala anemivuzo ye-APR okanye intsingiselo yepesenti ezilishumi elinesixhenxe okanye ngaphezulu. Iimathematika ezilula, uhlawula umyinge onomdla kwiqondo lakho kunokuba ufumana inzala. Ngaphandle kokuba unomlinganiselo omkhulu kutyalo-mali, ugqiba ukulahlekelwa yimali ngokubanzi. Ukuba unayo imali eninzi, unakho ukuhlawula amakhadi akho ekwerethi namhlanje ngokukhupha ezinye iimali zakho.
Ukongezelela, akunakulinganisela ukutshala imali yakho xa unemali emininzi ephuma ngaphandle kokuba ungene. Abaninzi abacwangcisi bemali baya kukukhuthaza ukuba uphume kwetyala ngaphambi kokuba uqale utyalo imali yakho kwiminye imithombo.
Unokuthatha imali oya kutyalomali kwaye uyifake kwi-credit card yakho. Oku kuya kukunceda ngemali kuba uya kunciphisa inani lemfuno oyayihlawula. Ingathi ibonakala inonitive, kodwa ekugqibeleni iya kukunceda ngokukhawuleza ukuhlawula ityala lakho kuqala.
Thatha ulawulo lwenkcitho yakho kwaye ufike kwibhajethi ukuze uhlawule ityala lakho ngokukhawuleza.
Sebenzisa iMali owawuyichitha kwiTyala lakho lokuTyala
Emva kokuba uhlawule ityala lakho lekhadi lesikweletu, ungathatha ezo ntlawulo uze uyongeze kwisixa semali oya kutyalomali. Oku kuya kwandisa inani otyalo-mali, kwaye unokwenza ngokukhawuleza ixesha owachitha ngalo ekuphumeni kwetyala lekhadi lesikweletu. Oku kuya kutshintsha umfanekiso wakho wezezimali kuba imali yakho iya kusebenza kuwe esikhundleni sakho. Oku kuyintloko ukuba unzulu ngokukwakhiwa kobutyebi . Njengoko uqhubeka usindisa kwaye utyalomali, ekugqibeleni uza kufika kwindawo apho imali yakho ifumana ngaphezu kokuba unika inyanga nganye. Xa usenza oko ubutyebi bakho buya kukhula ngokukhawuleza. Ukufikelela kweli nqaku kufuneka utyalomle rhoqo ngenyanga.
Qiniseka ukuba ugxininise ekwakheni lwakho utyalo-mali. Kubalulekile ukukhumbula ukuba ukutyalomali yinkqubo ende. Ukuba unenkxalabo malunga neendlela zokuthengisa, ungathetha umcwangcisi wakho wezemali uze unqume uhlobo loo mngcipheko oluya kufanelana nezinga lakho lokuthuthuzela. Akuyena wonke umntu ukhululekile ngokutyalo-mali ophezulu kodwa anika izinga eliphezulu lokubuyela. Unokufuna ukulinganisela iipotifoliyo yakho ukuze ube nehlanganiswa kwezolimo-mali eziphezulu nangaphezulu.
Kuthiwani Ngokulondoloza Umhlalaphansi?
Umntu omnye kulo mgaqo utyalo-mali kwiakhawunti yakho yomhlalaphantsi ngomsebenzi wakho. Ufanele utyalole kumdlalo womqeshi ngelixa unetyala lekhadi lesikweletu. Le yindlela enye yokufumana imali eyongezelelweyo yomhlalaphantsi kwaye kufuneka usebenzise ithuba. Xa usukhulile kwikharityhulam yamatyala kufuneka usebenze ngokuzisa imali yakho yomhlala-phantsi kwaye utyalomali ukuya kwi-15 ekhulwini yengeniso yakho. Emva kokuba ulondoloze ukuhlawula kwikhaya lakho , unokufuna ukuqala ukubeka imali ethe xaxa ukuze ulondoloze ukuze uzuze ubutyebi. Injongo ephambili yokutyalomali kukuba utyalomali rhoqo, kwaye ukhethe iimali ezidibeneyo ezikuvumela ukuba udibanise utyalo-mali.
Ndiqala njani ukuTyala imali?
Ukuba awuzange utyalomali imali ngaphambili, unokufuna ukusebenzisa umcwangcisi wezemali onokukunceda uceba ukufikelela kwiinjongo zakho zemali .
Indlela elula yokuqala isebenzisa iimali zengxowa-mali kuba umngcipheko uphantsi ngenxa yokuba iimali zengxowa-mali zixhaphaza ingozi kwimigangatho eyahlukeneyo yesabelo ngasinye. Xa uqala ukuqonda imarike, unokusasaza utyalo-mali lwakho ngaphandle kancinane. Akufanele utyalo yonke imali yakho kwisitokethi esisodwa okanye kwingxowa-mali. Oku kuyingozi kakhulu. Unokuqwalasela indawo yokuhlala njengezinye izinto , kodwa kufuneka uthenge ngemali.
Isibalulekileyo kukuqala ukubeka imali ngaphandle kwenyanga nganye kwaye uyenze ngokuqhubekayo kwixesha elizayo. Ukuba wenza oku, utyalo-mali lwakho luya kukhula ngokukhawuleza. Unokuba nemali ngokuzenzekelayo idluliselwe kwi-akhawunti yakho yotyalomali ngenyanga. Amafemu amaninzi okutyalo-mali aya kukhulula iimfuno ezincinci zokutshala imali xa ukhetha ukutshintshwa ngokuzenzekelayo.