- Baya kubuza ukuba kuthatha ixesha elingakanani ukuvuselela ikhredithi yabo .
- Bazafunga ukuba kusuka apha baphuma bengenawo imali kuphela, kwaye abayi kuphinda babone ukuthenga kwemagazini ngaphandle kokuhlawula ngokukhawuleza.
Amagqwetha ayenzima xa nje sineenkqubo zokubhankanya ukucacisa indlela engcono ngayo yokwandisa izifundo zebhanki ukuze sikhonze abathengi bethu njengoko bakha ikusasa labo lemali.
Ingxaki. Akukho nto ikukhusela ukuba ufumane amakhadi amaninzi emva kokuba ufumana ukukhutshwa kwebhanki yakho. Yikholwa okanye akunjalo, mhlawumbi uya kufumana iincwadi zokucebisa ezivela kubathengisi bemoto kunye neefenitshala zinikezela ukukunceda ukuba ufumane "ukuqala ngokutsha" phambi kokuba inkki isomile kwi-oda yakho yokukhutshwa. Ukwesaba ukuba awusoze wakwazi ukufumana enye mboleko, unokuhendwa ukuba usebenzise amaxabiso angabizi.
Ngakolunye uhlangothi, sifuna ukuba abathengi bethu babe nenketho yokuthatha ikhredithi xa kubalulekile, ukuthanda ukuthenga indlu okanye imoto. Kunceda ukuba uqalise encinci kwaye wakha idumela eliqinileyo lekhredithi ngaphambi kokuba uthathe ityala elikhulu.
Uninzi lwengcaciso apha ngaphandle ekubuyiseni kwi-bankruptcy lixubusha indlela yokubuyisela kwakhona i-credit . Kodwa u-Emma ubuza Ukulinganisela into eyahlukileyo. Ingaba isipiliyoni sokuhamba ngebhanki singakufundisa indlela yokuphatha imali yakho ngcono? Eli li bali:
Ndiza kutshata kunye neminyaka elineshumi elinesihlanu kwaye ndineemvana ezimbini ezinkulu ezineminyaka eyi-8 kunye ne-5 ubudala. Ngaphambi kokuba sibe nezingane zethu bobabini sasisebenza ngexesha elipheleleyo kwimisebenzi ehlawula kakuhle. Ndingummeli kummandla wecala lokuzilimaza kwaye Ngaba uya kuba ngumphathi weprojekthi yokwakha. Sasineemoto ezintsha, sasihamba ngeendwendwe ezintle, kwaye sasingacingi kabili malunga nezinto esasichitha ngazo iimpahla, iinwele, okanye ukuzizonwabisa.
Xa unyana wethu wazalwa, sagqiba ekubeni sinokuyenza ngenzuzo enye ukuze ndihlale ekhaya ixesha elipheleleyo. Oku kwabonakala kusebenza kakuhle de saqala ukuqonda ukuba sasisebenzisa amakhadi ethu ekwereta ukuze senze umvuzo wam. Nangona kunjalo, asizange sicinge ngokunyanisekileyo malunga nokutshintsha imigaqo yethu yokuchitha imali ngenxa yokuba sasisoloko sifuna ukuba ndibuyele emsebenzini ngokuzeleyo xa abantwana bangena esikolweni.
Apha silapha, iminyaka eyisibhozo emva koko, kunye ne-$ 50,000 kwi-matyala. Siye sikhankanya amakhadi ethu ekwereta kwaye sinenkathazo yokwenza iintlawulo ezincinci, zizonke ezimalunga nama-$ 2,000 ngenyanga. Sathengela i-minivane esetyenzisiweyo, kodwa inzala yenzalo yayimangalisa ngenxa yokuba i-credit yethu ihluphekile.
Nangona ndabuyela emsebenzini ngokuzeleyo, andiyi kubona indlela esinokukwazi ukuhlawula ngayo loo matyala amakhulu. Siye malunga nokugqiba ukufaka ifayile yokucima i-bankruptcy kwaye uqale uqale. Ngaphambi kokuba ndiyenze oko, ndifuna ukwazi ukuba ukufakela i-bankruptcy kuyasifundisa indlela yokulawula imali yethu kangcono ukuze singayi kuzifumana kulo mkhuhlane kwakhona kwiminyaka embalwa ngaphantsi kwendlela.
Makhe sibone ukuba oko kwenzeka njani.
Ngaba Umthetho Wokuguqulwa Kwemali Yenza Ukubuyiswa Kwebhanki Kukhawuleza?
Ngo-2005, iCongress yadlulisela uMthetho wokuKhuselwa koTywala kunye noKhuseleko lwaBathengi (BAPCPA). ICongress yazama ukulungisa into eyayiqonda ukuba yinkqubo yokutyhafisa abantu abaye bavumela abantu ukuba bafake icala lika-Chapter 7 ngokuchanekileyo xa benako ukukwazi ukwenza okungenani inkokhelo kwikhadi lekhredithi kunye namanye amatyala angakhuselekanga. Phakathi kwamalungiselelo amatsha yimfuneko yemfundo yematyala emibini.
I-Pre-Petition Advice Counseling: Okokuqala, ngaphambi kokufakela i-bankruptcy wonk 'ubani kufuneka abe neseshoni kunye nomcebisi wezikweletu ovunyelweyo. Kule ngqungquthela, uya kubeka amatyala akho, ingeniso, kunye neendleko, kwaye umcebisi wezikweletu uya kukuxelela ukuba unokuzuza ngokuthatha amanyathelo okufutshane okuchithwa kwebhanki, njengezicwangciso zentlawulo ezikhethekileyo, izifundo zokulawula imali, uxoxisana nabathengi, okanye nokuba netyala ukuhlanganiswa.
Kwiminyaka emibili emva kokuba le mfuneko iqale ukusebenza, iNational Consumer Law Centre (NCLC) yenze isifundo , apho phakathi kwezinye izinto, lilinganisa ukuphumelela kwemfuneko yokucebisa ngekhredithi.
I-NCLC yafumanisa ukuba ii-arhente zengcebiso zekhredithi zazikwazi ukubonisa enye indlela enokuthi ibenze i-bankruptcy kwindawo ethile phakathi kwe-1% kunye ne-4% yabantu abacebisa.
Ingxelo yombiko kukuba ukufunwa kweengcebiso kwakungeyona nto ekhuselekileyo yokumisa i-bankruptcy kwaye yayingekho ithuluzi lokufundisa umboleki. Kwakukho izizathu ezininzi zezi zigqibo, kodwa ezibini ezibalulekileyo zibonakala ngathi
Iseshoni yokucebisa ngekhredithi ifika emva kwexesha kumdlalo kubaninzi abanetyala. Baye bafika kwindawo apho kuphela ukukhululeka abaya kufumana kukufakela i-bankruptcy.
Ininzi yefayile yebhanki ingabikho ngenxa yezakhono eziphathekayo zokulawula imali, kodwa ngenxa yesiganeko esithintela ubomi babo: njengengxaki enkulu yonyango, umtshato okanye ukungasebenzi. Ukululekwa ngetyala kuya kwenza okuncinci ukukhupha umntu ukuba angafaki ukutyunjwa xa uninzi lwamatyala lubangelwa ziziganeko ezitshintsha ubomi.
I-Post-Petition Management Management: Okwesibini, emva kokufakela i-bankruptcy kwaye ngaphambi kokuphuma kokuphuma, ngamnye umboleki kufuneka athathe ikhosi efanelekileyo yokulawula imali.
Izihlandlo ezibizwa ngokuba yiNgxenye 2 yemfuno yecandelo lemali-mboleko, ingxelo ye-NCLC yokufunda ukuba le khosi iyona imoto engcono kwimfundo yabatyala ngaphandle kweNgxenye 1. Icandelo 2 lixubusha indlela yokuqhubela phambili, ukulawula imali, ukuhlawula imali, nokuhlaziya i-credit .
Ingxaki kunye nekhosi yolawulo lwezemali yendalo yayo. Akukona nje okunzulu ngokwaneleyo okanye ixesha elide ukubonelela ngolwazi kunye nesenzo esikuthi umntu obolekayo afune ukuqala ngokutsha.
Ucwaningo lwe-NCLC ngemfundo yematyala lukhankanya uphando olwenziwa ngabaxhasi emva kokuba bevela kwi-bankruptcy ukuqinisekisa ukuba ukufakela ukutshintshwa kwimizimba yabo kwatshintshile njani ubomi babo. Ingxenye yesithathu yabika ukuba iimeko zabo zifana okanye zibi ngaphezu kokuba zifakwe. Ikota enye yathi ukuhlawulwa kweendleko eziqhubekayo kuba yingxaki. Ukungabikho kwengeniso ebonakalayo kubonakala kubaluleke kakhulu kubomi balabo baqhubeka bezabalazela.
Yintoni e sebenza?
Iimeko zakho zihluke kakhulu kunokuba abanye abantu babike ingxelo. Kubonakala ukuba uzifumene kule khokhelo ngenxa - makhe sixelele njengento - ukuphathwa kwemali engafanelekiyo, okanye ubuncinane ukungabakhathaleli ngempembelelo yekhredithi.
Unako ukufumana inzuzo yakho ngokunyamekela yakho imali. Uyayazi into ozayo. Ufuna nje ukufumana indlela efanelekileyo kakhulu yokuyisebenzisa. Makhe sithethe ngezinye iindlela zokwenza oko.
Ngaba iSahluko 13 Isicwangciso sokubuyisela iMpendulo?
Cinga ngeSahluko 13 isicwangciso esinjengoko unokwenza utyando lokulahleka. Ingxaki enkulu, kwaye iyanceda umcimbi. Ngomsebenzi wokulahlekelwa ngumzimba kufuneka udle ngaphantsi. ISahluko 13 sinokunyanzela ukuba uchithe ngaphantsi. Kumele uhambelane nohlahlo lwabiwo-mali, kwaye akusiyo inceba kakhulu. Uchitha iminyaka emithathu ukuya kwemihlanu ukwenza iintlawulo zenyanga. Awukwazi ukuthatha i-credit entsha ngelo xesha ngaphandle kokufumana imvume enkundleni kwaye unesizathu esihle. Kubantu abaninzi, kuguquka kakuhle ukusuka kwiintshukumo ukulawula.
Amacandelo okuPhumelela
Utshintsho kwisimo sengqondo: Kungakhathaliseki ukuba uzama iSahluko 13 okanye akunjalo, wena kunye nomyeni wakho kuya kufuneka nitshintshe isimo sengqondo ngemali, okanye uza kuzifumana apha kwiminyaka embalwa. Nazi ezinye iimbono zokuqwalasela.
Nangona kuyinyaniso ukuba izinto ezincinci zidibanisa, ndiyakholelwa ekuqalekeni ngenguqu ezinokuchaphazela.
Uhlahlo lwabiwo-mali: Ukuba unokonga we-tech, cinga ukusebenzisa i-app yefowuni okanye iwebhusayithi ukukunceda ukulandelela imali. Iinkqubo ezinjengeMint kunye neBillguard zinokubopha kwiibhanki zakho zebhanki kunye namakhadi wakho ekwereta ukuze ufumane kwaye uhlele izinto zakho zeendleko. Ubeka uhlahlo lwabiwo-mali kwaye ezi zixhobo ziya kukuphawula xa uphelile. Kwaye, loo nto iyisiqalo.
Qala iNgxowa-mali engxamisekileyo: Emva kokufakela i-bankruptcy, awukwazi ukusebenzisa amakhadi-mboleko njenge-crutch xa kuvela ingxamiseko. Kufuneka uqale ingxowa-mali yengxamisekileyo. Ngenyanga nganye, gcwalisa oko ungayisebenzisa ukuze wenze iintlawulo zekhadi lakho lekhredithi ngaphambi kokuba ulahlekelwe. Yenza oku phambi kokuba wenze isigqibo sokuba unendawo yokukhulula uhlahlo lwabiwo lwezinto ezifana nezikhefu kunye neTV. Cinga ukuba kuthatha ubuncinci be-$ 2,000 ngenyanga ukwenzela intsapho ephakathi ukunyamezela ixesha lokungasebenzi.
Indlu enkulu? Ingaba ufuna ngokwenene indlu yeenyawo ezili-3,000? Ngedama. Kwaye igalaji emithathu yemoto. Yaye i-mortgage yeminyaka engama-40. Kwaye ukutyelela ngeveki ukusuka kwinkonzo yokucoca? Akunjalo nawe. Ndaphakamisa abantwana bam kwi-1,600 square square townhouse yokuhlala kunye nepatio.
Oku kuya kwimoto, nayo. Sonke siyazi i-economics yokuthenga iimoto ezintsha. Ngoku, phantse wonke umthengisi wemoto usetyenzisiweyo kwaye unokuthenga kwi-laptop yakho. Ungakwazi ukuthenga i-intanethi kwi-intanethi yeyona mali.
Ukutya Kuninzi? Ngaba uke wathenga i-5 ice cream ice cream kwaye wacinga ukuba, "Ndithenga i-carton ye-ayisikriki kwisitolo sokutya (ezimbini ezithengiswa kwisitishi esaphuhlisayo), kuba oko ndandikuhlawula umrhumo omnye kunye ne-cone ye-affle." , kumnandi ukuhla kwi-ice cream, kodwa kwintsapho enye, eyi-20. Ngokwe-Bureau of Labor Statistics, ngowama-2015 umlinganiselo wasekhaya waseMerika uchithe u-3008 weedola kwiivenkile zokudlela kwaye uthabathe. Thelekisa loo $ 4,015 esiyichitha kwizinto zokutya.
Ndiyazibuza ukuba ezo zibalo ziquka i-coffee coffee fancy? Umyinge waseMelika usebenzisa imali engama-780 ngonyaka kwiindlu zekhofi . Okanye i-soda, apho sidla ama-44.7 galoni ngonyaka. Kuphantse ii-240-ounce cans, okanye malunga ne-80 zamaRandi (kwiikotoni) okanye i-$ 240 (kumatshini wokuthengisa). Lo ngumntu ngamnye.
Endaweni yokusela amanzi amaninzi. Kwaye, andiyathethi ngohlobo lwebhotile. Ukuba awuyithandi amanzi akho empompo, fumana umgca wokucoca, okanye wongeze isahlulo okanye ezimbini zemon.
Yinqumle intambo: Iingcebiso ezisikiweyo zisebenza. Nika into ongayidingiyo. Awudingi i-TV yekhebula. Ndandisoloko ndicinga ukuba ndifuna i-cable yeTV ngenxa yokuba ndinezingane ezimbini ekhaya. Xa bephuma endlwini, akukho namnye wabo ophethe i-TV ye-cable. Ngokuqinisekileyo wangibonisa.
Abantwana Ngaba Imali Iingxowa, Ngaba kunjalo? Kwaye, ukuthetha ngezingane, zakho zincinci ngokwaneleyo ukuze uqeqeshwe ngoku ukuba azidingi izicathulo ze-tennis eziyi-100 okanye umdlalo wevidiyo. Emva kokuba intombi yam eneminyaka engama-12 ubudala ibe nexakeka xa ndithenga ukumthenga iingubo ezingama-80 kwivenkile yesebe, ndamthabatha esitolo esithe xaxa. Wayenomdla ukuphuma ngeebhonki ezimbini zeengubo endizihlawula ngaphantsi kwama-10.
Ingxaki elula: Ukuba ufuna ukuthenga i-oven toaster, into enomsebenzi ukuba ube kude kunyanzelekile, nantsi indlela yokucinga ngokuthenga.
- Awunayo loo nto ukuze ungayithenge.
- Ukuba ufuna ngokwenene, linda usuku, iveki, okanye inyanga ngaphambi kokuba wenze. Kukho ithuba elihle lokuba umnqweno uya kufana.
- Zama ukuyifumana. Phakamisa umnxeba kubahlobo bakho abangenakho ukuqokelela uthuli. Hlola umthwalo kunye neevenkile ezithengisayo, iphepha lakho lokutshintsha ummandla we-intanethi okanye uluhlu lukaCraig. Uziva uhleka ngokuthenga? Fumana phezu kwayo okanye uzithuthuzele "ngomzekelo" ohlaziyiweyo ".
- Ukuba uyayifaka endlwini, funda ikhaya elitsha ngento efana nesayizi, ixabiso, okanye ukusebenzisa. Cinga ngokuthengisa nge-intanethi.
Ezi zimbalwa nje iingcamango ezingakunceda ufumane ukulawula nokulinganisela. Ubomi bakho bezemali emva kokubhankqalaza kufuneka kufake ngaphezu kokufaka isicelo kumakhadi athile ekhredithi. Uzakufuna indlela entsha yokucinga. Kodwa uhlakaniphile, ushukumisekile, kwaye awufuni ukuba wenze uhambo lokubuyela kwiofisi yakho yommeli.