Zama le Shift ngokuziphatha: Yenza Inkokhelo Yemoto Yakho
Ngokukhawuleza, unemali engaphezulu kwama-$ 200 ukuya kuma-400 engama ngenyanga kwisabelo-mali sakho. Yintoni oya kwenza ngayo yonke imali eyongezelelweyo?
Nantsi ingcinga yam: Qhubeka wenze iintlawulo zeemoto - kuwe.
Abantu Abaninzi Abayigcineli Imoto
Abantu abaninzi "abazi" apho i $ 200 - $ 400 ngenyanga. Bayichitha ityunyiwe.
Isidlo sesidlo sakusasa (i-$ 35), iindidi ezintsha zeesanti (i-$ 30), kunye ne-poof!
Ngaphambi kokuba bayakwazi, i-$ 200 ngenyanga iye yahla.
Iyaqhubeka iminyaka, ide, enye imini, imoto yabo iyahla kwaye umatshini uthi akufanelekile ukulungisa. Ixesha lokuthenga enye imoto.
Kodwa abanalo imali yokuthenga. Benze ntoni?
Benza enye imali mboleko yemoto. Benza ukuhlawula i-$ 1,000 kunye nomqondiso wemali-mboleko yeminyaka emi-5 kunye nentlawulo ye-$ 200 okanye i-300 ngeenyanga.
Bachitha amawaka kwiintlawulo zenzalo. Bachitha ngaphezulu emininzi kwi-inshurensi njengoko befuna uncedo olugqithiseleyo ngobomi bemboleko.
Ungakuphepha njani oku? Yenza inkokhelo yemoto kuwe.
Qhubeka Uyenza Intlawulo Yemoto Efanayo
Ngaba ufanele uhlawule imali ngemoto? Kwiimeko ezininzi, ewe, ingakumbi ukuba enye indlela ithatha ityala elingaphezulu, kwaye uchithe imali yakho kwizinto zokuqonda ezifana nezokutya zokutya kunye neeholide zokuhamba.
Abantu abaninzi banqwenela ukuthenga imoto yabo ngenkokhelo, kodwa abanalo hlobo lwemali elele ngeenxa zonke xa kufike ixesha lokuthenga izithuthi zabo ezilandelayo.
Kodwa kukho isisombululo esilula.
Emva kokuba uqedile ukwenza inkokhelo yakho yokugqibela yemoto, yenza sengathi awugqibekanga. Yenza sengathi usenza intlawulo yenyanga yenyanga.
Ngenyanga nganye, tshintsha imali oqhelekileyo uyenokuyichitha ekuhlawuleni imoto kwi-akhawunti yokugcina imali . Bhala igama "elilandelayo lokuthenga imoto."
Beka oku njengendlela yokudlulisa ngokuzenzekelayo .
Ekubeni ngokuzenzekelayo, awuyi kukulibala ukwenza ukutshintshwa. Ngaba kwenzeka 2-3 iintsuku emva kokuba uhlawulwe, ngoko awuyi kuphona imali.
Ufuna umzekelo?
Masithi sicinge imali yakho yemoto ngu-$ 200. Xa usuqedile ngeentlawulo, qalisa ukutshintshwa kweenyanga ezi-200 kwi-akhawunti yakho yokujonga kwi-akhawunti yokugcina imali.
Amabhanki afana ne- Wells Fargo kunye ne-CapitalOne360 akuvumela ukuba uvule i-akhawunti ezininzi zokugcina imali kwaye unike i-akhawunti ngayinye "igama lesiteketiso." Ukwenza oku kukuvumela ukuba ubone ukuba yintoni injongo yokugcina i-akhawunti nganye.
Ukuba ugcina i-$ 200 ngenyanga nganye iminyaka emi-5, uya kuba ne-$ 12,000 - ngokwaneleyo ukuhlawula imali ngemoto yakho elandelayo.
FUNDA OKWENGEZIWE malunga nohlahlo lwabiwo (ezininzi!) .
Mbonise Iphupha Lakho Imoto, Wese usebenze Emuva
Nantsi enye inketho:
Okokuqala, funda imoto oyifunayo. Emva koko, sebenzela ngasemva ukugqiba ukuba kufuneka ulondoloze kangakanani inyanga nganye.
Masithi ufuna ukuthenga imoto ebiza i-$ 20,000. Unethemba lokuyithenga kwiminyaka emithathu. Ukusebenza ngasemva, kuzakufuneka ugcine i-R555 ngenyanga ngenyanga (i-$ 20,000 ehlukeneyo ngeenyanga ezingama-36).
Oko kuthetha ukuba uya kufuneka ugcine ukuhlawula imoto yakho "yesiqhelo" yeeRandi ezingama-200 ngenyanga (ukusuka kwimeko ekhankanywe ngentla), kunye ne-355 eyongezelelweyo ye-$ 355.
Ngaba oku kuninzi? Uya kufuneka ulungele iinjongo zakho. Nokuba uthenge imoto engabizi kangako okanye ulinde ixesha elingaphezu kweminyaka emithathu ngaphambi kokuba uthenge imoto yakho elandelayo.
Umzekelo, ukuba uthenge imoto kwiminyaka emine endaweni yesithathu, uya kufuneka kuphela ugcine i-$ 416 ngenyanga (i-20,000 zamawaka ahlukeneyo ngeenyanga ezingama-48).
Ungakwazi ukufumana imoto yakho yephupha ngokukhawuleza ngokufumana ngaphezulu. Ukuba ungagcina i-$ 200 ngenyanga, kwaye ufumane i-$ 355 eyongezelelweyo ngenyanga kunye neerhafu ngokusebenza umsebenzi wesibini, unokubeka eceleni i-$ 555 ngenyanga ukwenzela ukuba uthenge imoto yakho yephupha kwiminyaka emithathu.
FUNDA OKWENGEZI ngezindlela zokufumana imali engaphezulu yecala , okanye ufunde ngamashishini amancinci onokuqala ngawo.
Musa ukuyihoxisa iindleko eziqhubekayo
Ngelixa uxakekile ukulondoloza imoto yakho elandelayo, ungakulibala wena usadinga ukubeka eceleni imali ukuze ugcine imoto yakho yangoku.
Umzekelo, kufuneka uhlawule i-inshurensi yemoto. Umthetho osayilwayo unokufika kanye emva kweenyanga ezintandathu. Ungalibali ukubeka eceleni imali nganye ngenyanga ukuyihlawula. Intlawulo ye-inshurensi yama-$ 300 zonke iinyanga ezintandathu kuthetha ukuba kufuneka ugcine i-$ 50 ngenyanga.
Kwakhona kufuneka uhlawule ukugcinwa komgangatho kunye nokulungiswa kwimoto yakho. Unokufuna ukubeka eceleni i $ 50 ukuya kwii-100 ngenyanga ngenyanga.
Funda kabanzi malunga nokugcinwa kweendleko zonyaka .