Abantu abaninzi banomonakalo wemboleko emva kokuqhawula umtshato, kodwa kungekhona ngenxa yomtshato ngokwawo. Emva kwakho konke, imeko yakho yomtshato ayifakiwe kwi-ingxelo yakho yebhanki okanye ayifakwe kwi-score score yakho . Ngoko isenzo somzimba sokuhlukanisa okanye ukwahlukanisa asiyi kuphazamisa amanqaku akho.
Indlela Ukwahlukana Kwenziwe Ngayo Ithintelo Ngetyala Lakho
Nangona isenzo sokuqhawula singakhange sibuhlungu ngokukodwa inkokhelo yakho, ukuqhawula umtshato kungakhokelela ngqo kwiingxaki zemali ezilimaza ikhredithi yakho.
Ngokomzekelo, ukulahlekelwa enye yemali yengeniso yendlu kungabangela uxinzelelo lwezemali olukhokelela kwiintlawulo ezingekho phantsi kwiikhadi lakho lesikweletu, iimali-mboleko kunye nezinye iindleko.
Ukwahlukana kungalimaza inqaku lakho lekhredithi xa iintlawulo zingenziwa kwiakhawunti obamba ngokubambisana kunye nexesha lakho elide okanye ngokukhawuleza. Kwezinye iinkqubo zomtshato, ijaji ichaza elinye iqabane elijongene netyala elidibeneyo. Eli qabane lihluleka ukwenza intlawulo kwaye umbolekisi uyongeza ukuhlawulwa kwexesha elifutshane kwiingxelo zakho zeentengo zemboleko. Akunandaba nomthengi ukuba ijaji ithe elinye iqabane lijongene neentlawulo.
Kwezinye iimeko, elinye iqabane libuhlungu ngokukodwa ngetyala lomntu, ngaphandle kokuziphindezela. Kwakhona, oku akusiyo umtshato ngokwawo owenza umonakalo wemali yesikweletu, kodwa iziganeko ezenzeka ngenxa yokuqhawula umtshato.
Ukukhusela Iintlawulo Zakho Emva Kwesehlukaniso
Khumbula ukuba imbali yentlawulo kunye nenqanaba lamatyala yizona zimbini ezibalulekileyo ezichaphazela amanqaku akho.
Ukugcina umlando wokuhlawula okulungileyo kunye nokunciphisa ityala lakho ngexesha kunye nangemva kokuqhawula umtshato kukubalulekileyo ukugcina amanqaku akho ekhredithi ngobuchule. Nantsi into ongayenza ukugcina ukulinganiswa kwesikweletu sakho kuqhubeka ngexesha nangemva komtshato.
Lungisa indlela ophila ngayo kwiholo lakho elincinci . Kusenokwenzeka ukuba wenze utshintsho olukhulu lobomi ukuze uphile kwimali engenayo kuphela.
Oko kuthetha ukuba uthengisa indlu yakho kwaye uthenge enye engabizi. Kungathi ukuthuthela kwigumbi. Ukuba awukwazi ukuhlawula iintlawulo zakho zemali mboleko, unokuhlaziya umbolekiso okanye uthengise isithuthi uze uthenge imali ephantsi. Unokufuneka unciphise i-bill bill yokutya, udle ngaphantsi, kwaye unqumle i-cable ye-cable.
Yenza uhlahlo lwabiwo-mali (okanye utshintshe lakho elikhoyo) ukuba ufumane oko unokukwazi kwaye awukwazi ukufikelela. Ukubeka phambili iindleko zakho kwaye ugcine iintlawulo ezineempembelelo ngqo kwiimali zakho zemali, umz.
Zama ukuhlawula iindleko zakho eziphambili ngaphandle kwemali yakho engenayo, kungabandakanyi ukuxhaswa okanye ukuxhasa abantwana. Abanye abatshatileyo bokutshatyalaliswa nabo basenokuhlawula iintlawulo, zama ukufumana imali encitshiswayo, okanye uyeke umsebenzi wabo ukukukhathaza. Kungaba nzima ukuhlala njengokuba ungaxhomekeke kulezo zikhotho zentlawulo. Kodwa ukuba iintlawulo ziyekile, sele ulungele.
Ukujongana namatyala akho ahlangeneyo . Ukuqhawula imbopheleleko yakho yezimali kumlingane wakho ngokukhawuleza ukuba uqaphela ukuba umtshato usondele. Yiya ingxelo yengxelo yemboleko kwaye usebenzise izitatimenti zentlawulo yamuva yenza uluhlu lwee-akhawunti ezibanjelwe ngokubambisana. Vala le akhawunti, ngokubhaliweyo kunye nefowuni ukukhuselwa okongezelelweyo, kwaye ubuze umbolekisi ukuba angawavuli kwakhona.
Susa isimo somsebenzisi wakho ogunyazisiweyo ukuba ufuna ukuwagcina ekusebenziseni ibhalansi ukuba ababolekisi abayi kubaphatha.
Umntu ngamnye oqeshwe naye kufuneka asebenze ukuze athathe iitalato abajongene nayo egameni lakhe ngokuhlaziya imali kunye nokudlulisela izilinganiso zekhadi lesikweletu kwenye i-credit. Ukuba wena kunye neqabane lakho ningeke nisebenzise le nkcukacha ndawonye, mhlawumbi amagqwetha angafikelela kwisivumelwano esingcono. Okwangoku, zama ukugcina ubuncinci kwiintlawulo ezichaphazela i-credit yakho. Ngaphandle koko, inkundla iya kufuneka inokugqiba isigqibo sokugqibela malunga noxanduva lwetyala.
Kuzwakala ingenakuqonda, kodwa ngenxa yekhredithi yakho, ungathembi umlingane wakho wokuqala ukuba wenze iintlawulo kwiakhawunti enegama lakho kubo. Oku kuquka iimali-mboleko kunye nemali-mboleko yemoto, nangona iqabane lakho lisaphila endlwini okanye liqhuba imoto.
Ngokuqhelekileyo, abantu abajongene neengxelo zemali ezingabathinteli ngqo.
Hlalani phezulu kwiintlawulo . Ukuba lakho iqabane lijongene nokuhlawula i-akhawunti egameni lakho, gcina umkhondo wemihla efanelekileyo kwaye ukhangele intlawulo njengoko umhla wokugqibela ufikelela. Ukukhusela i-credit yakho, unokufuneka wenze inkokhelo encinci. Buza ijaji ukuba i-ex-spouse yakho ihlawule ngeentlawulo ozenzayo.
Ukuqwalaselwa ngetyala kudla ngokucetyiswa njengendlela yokufumana malunga neentlawulo zexesha elide. Nangona kunjalo, ngexesha lokubonelela ngetyala lokuthenga ngetyala likwazisa ukuhlawulwa kwexesha elide, sele longezelelwe kwingxelo yakho yekhredithi. Ukususela kwiintlawulo zokugqibela emva kokuhlawulwa kwemali-mboleko kungabonakali kwii-credit bureaus ukuya kwiintsuku ezingama-30 ngokukhawuleza, unayo ixesha lokuhlawula ngaphambi kokuba i-credit yakho ithinteke, kodwa kufuneka uyenze kuqala.