Uyazi ixesha elithile ngoku, kodwa inyaniso yalo ikukubethe. Awukwazi ukwenza inkokhelo yakho yekhadi lesikweledu kule nyanga. Ingaba iindleko ezingalindelekanga zithintela uhlahlo lwabiwo-mali, uhamba nobunzima bezemali, okanye uvele ungagqithanga, kwenzeka ngokusemandleni ethu ngexesha elinye. Indlela oyisingatha ngayo iya kuthintela ukulinganiswa kwekredithi ngoko kubalulekile ukuqhubeka uqaphele.
Musa ukusiqaqa
Xa ungeke wenze ukuhlawulwa kwekhadi lakho lokuthenga ngekhredithi yenyanga, into engekona nto ongayenzayo mayiyeke i-bill bill ize ingakhokhelwa. Ukugxotha inkokhelo yakho encinci kuya kwenza kube nzima ukufumana kwaye kufuneka uhlangabezane nemiphumo emihle. Umboleki wakho angathatha isenzo esithile njengokuba uhlawule umrhumo wexesha elifutshane okanye ubike ingxelo yentlawulo emva kwexesha leemali- mboleko zemali - mboleko ukuba uhlawulo lwakho luya kwiintsuku ezingama-30 ezidlulileyo ngenxa.
Inkokhelo enye ephosakeleyo yenza ukuba sisondele ekubeni inzala yakho inzala iphakanyiswe kwisantya esiphezulu. Umnikezeli wekhadi lokuthenga ngetyala (credit card) angasebenzisa ngokusemthethweni inqanaba lesohlwayo kwisixa-mali sakho ukuba kukho iintlawulo ezimbini-oko kukuthi, unentsuku ezingama-60 ezedlule ngenxa. Ngokuxhomekeka kwiimali zekhadi lakho lekhredithi, isantya sohlwayo sinokusebenza nakwezinye iikhadi lamatyala onaloo mkhupheli. Okugqithisileyo, isantya sohlwayo sinokufaka izicelo kwiimali ezintsha.
Gwema ukuwa kwe " dollar enye encinane yentlawulo yenkolelo " ebonisa ukuba ungathumela into engaphantsi kwenkokhelo yakho encinci ukuhlangabezana nentlawulo yakho yenyanga yentlawulo.
Ngokuchasene noko unokufunda okanye ukuva, abakhupheli bekhadi lokuthenga ngetyala abanakulibambelela ukuhlawulwa kwentlawulo emva kwexesha ngenxa yokuba wenza umzamo wokuhlawula. Kumele uhlawule ubuncinci ubuncinane okanye wenze amanye amalungiselelo enkokhelo kunye nomnikeli wakho wekhadi lokuthenga ngetyala ukuze ungavavanywa umrhumo wexesha elide okanye unomdla wakho wenyuka.
Yenza imali eyongezelelweyo
Kukho into enokuyenza kwithuba elifutshane ukuzisa enye ingeniso eyongezelelweyo. Ngaba unayo isakhono okanye inkonzo onokubonelela kwabanye? Zama ukuthabatha umsebenzi othile we-freelance kwi-Upwork okanye kwi-Fiverr. Ngaba kukho izinto ezungeze indlu ongayithengisa? Beka kwiindawo zeevenkile ze-Facebook, Craigslist, okanye eBay. Unokuqhuba ukuqhuba inkonzo yokwabelana ngokukhwela njengo-Uber okanye uLyft. Kukho iindlela zokudala zokuthengisa izinto ngokukhawuleza okanye ukubonelela ngeenkonzo kwabanye. Kufuneka uzimisele ukucinga ngaphandle kwebhokisi uze ufake umsebenzi.
Thetha kumboleki wakho
Ukuba awunayo ixesha lokuza kunye nenkokhelo yentlawulo yakho encinci, biza umnini-khadi wakho kwaye uchaze imeko. Bazise ukuba yenzeke ixesha elilodwa kwaye baxelele ukuba uya kuba nako ukwenza intlawulo yakho elandelayo. Abanye ababolekisi baya kukwandisa umhla ofunekayo, bahlawule umrhumo wokugqibela, kwaye baqhubeke bebika ingxelo "yangoku" yokuhlawula kwiingxowa-mali zemali-mboleko.
Akunjalo wonke umniki wekhadi lomthengi uya kuba novelwano. Ukuba umniki wekhadi lakho lesikweletu akafuni ukusebenzisana nawe, zama ukufuna imali kwezinye iindawo kwibhajethi yakho. Ngaba kukho into ongayichitha ngaphantsi kule nyanga? Mhlawumbi unako ukuboleka kumhlobo okanye ilungu lentsapho okanye ufumane inkqubela emancinci kumqeshi wakho kwi-paycheck yakho elandelayo.
Jonga indlela yokufumana imali yokuhlawula amatyala akho ngeendlela ezithile zokuza nemali ukuze wenze iintlawulo zakho.
Qaphela uqwalasela iindleko zakho
Unokulingwa ukuba ulahle ezinye iintlawulo zebhilikhwe , kodwa kukho imiphumo apho, kwakhona. Umzekelo, ukuba awuyi kuhlawula umrhumo wakho wombane, ujongene neenkonzo zakho zixhunyiwe.
Eli lixesha elihle lokuhlaziya iindleko zakho ukuze ubone ukuba unokunciphisa okanye ukhuphe ezinye iindleko. Unokunquma ikhebula okanye ulahle i-intanethi? Khetha iphakheji yefowuni engabizi ngaphantsi? Buza iinkampani zakho ze-inshorensi ngamanani aphantsi? Nika ezinye iinkonzo zokuzilungisa kwiinyanga ezimbalwa? Cinga yonke into oyisebenzisayo imali kwaye wenze isigqibo sokuba ingaba ungayenza ngaphandle, ubuncinane okwethutyana.
Indlela yokwenza intlawulo ephosakeleyo
Ukuba kwenzeka ntoni kakhulu kwaye ulahlekelwa ngumhla wakho wokugqibela, yenze intlawulo ngokukhawuleza.
Unokuphepha ukuba ungene emva kokungena kwexesha kwingxelo yakho yemali ngokwenza intlawulo phambi kweentsuku ezingama-30 ezidlulileyo ngenxa. Ngaphezu koko, ukuhlawula ngaphambi komhla olandelayo wokulungiswa kwemali kukugcina ukuba ube nokuphindwa kabini kwiintlawulo kwinyanga enye. Uya kuhlawuliswa imali ehlawulezayo, kodwa umlinganiselo wakho wekhredithi uya kukhuseleka.
Awudingi ukubiza umnini-makhadi wakho wekhadi ukuze wenze inkokhelo yakho - ngaphandle kokuba ufuna ukucela umrhumo wakho wokugqibela ukukhishwa. Ungenza inkokhelo yakho kwi-intanethi, ngeposi, okanye ngefowuni njengoko uqhelekileyo.
Ukuba uthumela intlawulo emva kokuba isitatimenti sakho sinyathelisiwe, intlawulo ayiyi kubonakalisa kwisitatimenti sakho. Hlola i-akhawunti yakho ye-intanethi ukuqinisekisa ukuba intlawulo yakho iposelwe kwaye uhlolisise intlawulo encinci omele uyiyenze ngomhla olandelayo.
Kuphi ukufumana uncedo lobuchwepheshe
Ukuba ufumanisa ukuba uhlala unenkathazo yokwenza iintlawulo zakho ezincinci , qwalasela ukucebisa ngekhredithi . Umcebisi wekhredithi unokukunceda uqonde indlela yokuhlaziywa kwebhajethi yakho okanye uxoxisane nentlawulo ephantsi yenyanga nomthengi wakho. Isitatimende sakho sekhadi lesikweletu siya kubhala inombolo onokuyibiza ukuba unengxaki yezemali. Okanye, unako ukufikelela kwiSizwe soMcebisi ngeCredit Counseling ukuze ufumane isikhungo seengcebiso ngekhredithi kwingingqi yakho.