Phuma kwiMatyala uze uhlale ngaphandle
Ukuboleka kuyindlela yokuphila kubaxhasi abaninzi. Imali-mboleko kunye nemali-mboleko yomfundi, edlalwa ukuba "ityala elihle" lingathabatha inxalenye enkulu yemali yakho yenyanga.
Yongeza ityala lekhadi lekhredithi kunye nomboleko omtsha wemoto ukuxuba yonke iminyaka embalwa, kwaye unokungena kalula phezu kwentloko yakho. Imali-mboleko ye-Payday kunye nezinye iimali-mboleko ezinobuthi ziqinisekisiwe ukuba zikhokele kumjikelezo wetyala.
Liyiphi i-Cycle Debt?
Umjikelo wesikweletu uhlala uboleka okhokelela ekwenzeni ukwanda kwetyala, ukunyuka kweendleko, kwaye ekugqibeleni ungagqibekanga. Xa uchitha ngaphezu kokungenisa kwakho, uya kwetyala. Ngexesha elithile, iindleko zomdla ziba yindleko enkulu yenyanga, kwaye ityala lakho landa ngokukhawuleza. Usenokufumana imali-mboleko yokuhlawula iimali-mboleko ezikhoyo okanye ukugcina iintlawulo zakho ezincinci ezifunekayo.
Ngamanye amaxesha kunengqiqo ukufumana umboleko omtsha ohlawula ityala elikhoyo. Ukudibanisa amatyala kunokukunceda ukuba uchithe imali encinci kwaye wenze lula imali yakho. Kodwa xa ufuna ukufumana imali mboleko nje ukugcina (okanye ukuxhaswa ngokusetyenziswa kwakho kwangoku, ngokuchasene nokutyalomali-mali-mali kwixesha elizayo njengemfundo kunye nepropati), izinto ziqala ukufumana i-dicey.
Indlela yokuphuma kwi-Trap Trabt
Isinyathelo sokuqala sokuphuma kwintambo yomjikelo weetyala kukuvuma ukuba unetyala elikhulu. Akukho mfuneko efunekayo-idlulileyo idlulileyo. Mane uthathe imbonakalo engokoqobo kwimeko ukuze uqale ukuthatha inyathelo.
Nangona unako ukuhlawula zonke iintlawulo zakho zenyanga zematyala, uzibamba ngokuphila kwakho kwangoku ngokuhlala kwisikwere.
Ukuyeka umsebenzi wakho kwintsapho, ukuguqula imisebenzi, ukuhlala umhlala-phantsi, okanye ukuhamba lonke ilizwe ngaphandle komsebenzi kuya kuba kulandeleka ukuba akunakwenzeka ukuba ufuna ukugcina loo matyala. Emva kokuba uqaphela imfuno yakho yokuphuma kwetyala, qalisa ukusebenza kwiisombululo.
Qonda iimali zakho: kufuneka ukwazi kakuhle apho umi khona. Ingeniso engakanani oyifumanayo ngenyanga nganye, kwaye yonke imali iya kuphi? Kubalulekile ukulandelela yonke imali yakho, ngoko yenza konke okufunekayo ukwenza oko kwenzeke. Kuphela kufuneka ukwenze oku kwinyanga okanye ezimbini ukuze ufumane ulwazi olufanelekileyo. Ezinye iingcebiso zokulandelela iindleko zakho ziquka:
- Jonga ngekhadi lekhredithi okanye kwi- debit ukuze ufumane irekhodi yekhompyutha nganye
- Yithatha incwadi yokubhala kwaye ubhale kunye nawe
- Gcina (okanye wenze) irisidi yazo zonke iindleko
- Yenza uluhlu lwekhompyutheni kwidokethi yombhalo okanye ispredishithi
Ngokukodwa xa uhlawula iibhilidi kwi-intanethi , hamba ngeenkcazo zakho zebhanki kunye neebhilidi zekhadi zamatyala ngeenyanga eziliqela ukuqinisekisa ukuba uquka iindleko ezingavumelekanga, ezifana neentlawulo zekota okanye zonyaka. Ukulinganisela i-akhawunti yakho ubuncinane nyanga zonke ukuze ungabanjwa ngothuswa.
Yakha "icebo lokuchitha:" ngoku ukuba uyazi kangakanani unako ukukwazi ukuchitha (imali engenayo) kunye nokuba uchithe kangakanani , yenza uhlahlo lwabiwo-mali onokuhlala nalo.
Qala kunye nayo yonke "imfuno" yakho njengezindlu kunye nokutya. Emva koko jonga ezinye iindleko, ubone oko kuhambelana. Ngokufanelekileyo, uya kuba nebhajethi yeenjongo ezizayo kwaye uzihlawule kuqala , kodwa ukuphuma kwetyala kungabaluleke kakhulu. Ngelishwa, oku kungenzeka apho ufuna ukukwenza utshintsho olungathandekiyo. Khangela iindlela zokuchitha imali encinci kwizinto zokutya, ukulahla ikhebula, fumana isicwangciso sefowuni esincinci, ugibele ibhayisikili ukuya emsebenzini, kunye nokunye. Le nyathelo lokuqala lokuhlala ngaphantsi kweendlela zakho.
Fihla amakhadi-ngetyala: amakhadi enkokhelo ayenzibi (eqinisweni, ayenelanga xa uhlawula yonke inyanga), kodwa akwenza kube lula ukuba angene kwi-debt spiral. Ixabiso lentengo ephezulu kumakhadi amaninzi kuthetha ukuba uya kuhlawula ngakumbi into enithengayo, kwaye ukuhlawula ubuncinci kuqinisekisiwe ukuzisa ingxaki . Yenza konke okufunekayo ukuyeka ukuwasebenzisa-ukuwasika, uwafake kwisitya semanzi kwifriji, okanye nayiphi na.
Ukuba uthanda ukulungelelanisa (kunye nokulandelela ngokuzenzekelayo) kwenkcitho kunye neplastiki, sebenzisa ikhadi lokukhangela elixhumene neakhawunti yakho yokujonga okanye ikhadi elikhethiweyo lokubhadela elingakuvumeli ukuba uhlawule ityala.
Sitshintsha imilinganiselo yakho encinci: kukulungele ukufumana loo "mivuzo emikhulu" njengokunciphisa imoto yakho okanye ukukhansela inkonzo yekhebula ebiza. Kodwa utshintsho oluncinane kakhulu. Mhlawumbi uthatha isidlo sasemini kunye nabasebenza nabo amaxesha ambalwa ngeveki, nandipha ukutya ngaphandle kweveki, kwaye nithanda ukuchitha imali kwiikonsathi kunye nemidlalo yebhola. Nangona akukho nanye yale mikhwa emibi , inokutshabalalisa ibhajethi yakho. Ukuba unyanzelekile ngokuphuma kwetyala, kufuneka uguqule imikhwa yakho encinci. Qala encinci ngokwenza ikhofi yakho ekhaya kwaye uhambise isidlo sakho sasemini usebenze uhambe apho.
Nciphisa iindleko zakho zokuboleka: kuyingozi ukufumana iimali-mboleko ezongezelelweyo, kodwa enye mboleko yokugqibela ingenakho. Ukuba unetyala lekhadi lekhredithi kwizinga eliphezulu lemali, unako ukubeka iindleko zentsalo nganye ngenyanga-nangenkokhelo enkulu. Ukuhlanganiswa kwetyala ngemboleko efanelekileyo kunokunceda ngaphezulu kweedola nganye ukuya ekunciphiseni amatyala. Kodwa ufuna uqeqesho - xa uhlawula ityala (okanye, ngokuchanekileyo, ukuhambisa ityala), awukwazi ukuchitha kuloo makhadi. Ukutshintshwa kwekhadi lokuthenga ngetyala ngenye indlela yokufumana isikhombiso esincinci esimalula - nje ujonge ukuphela kwexesha lokuphromotha-kunye nababolekisi be-intanethi banikezela iirhafu zokuncintisana kwiimali-mboleko zexesha elide.
Khetha ixeshana emsebenzini: kuxhomekeke kwindleko enayo, umsebenzi wexeshana okanye i-side hustle ingaba yindlela. Ukutshiza izitshantshi, ukuhlala kwintlanzi ngeempelaveki, kunye neentengo kwizoqoqosho zokwabelana nazo zonke izigqibo ezilungileyo. Ixesha elingaphezu kwexesha lomsebenzi wakho wangoku liya kunceda, ngokukodwa ngexesha lokuhlawula kunye nehafu. Naliphi na eyongezelelweyo enokuyenza ingafakwa kwinqatyala lakho ukukunceda ukukhawulezisa iintlawulo zakho.
UkuPhephelwa kweTyala leMatyala
Ukuphephelwa kwetyala kwindawo yokuqala kukulula kunokuzibamba ngaphandle kwimeko. Xa unesimo semali esomeleleyo, qhubeka uqeqeshwa. Ngeentengiso eziphonswa ebusweni bakho yonke indawo ukusuka kwi-radiyo ukuya kwi-Instagram feed yakho, kunye noxinzelelo "lokuhambisana neJeses," ukuphepha isikweletu akulula.
Phila ngaphantsi kweendlela zakho: ngenxa yokuba unokukwazi ukukwenza oko akuthethi ukuba yinto efanelekileyo. Ukuthenga indlu onokuyifumana kalula , akukho nanye ocinga ukuba uya kuba nakho ukufikelela kwiminyaka emihlanu. Yisebenzise ngononophelo kwaye uthathe indlela yokugcina indlela yokuphatha ngayo imali. Ukuphila ngaphantsi kweendlela zakho kukumisela ukuba uphumelele ngemali ngoku kunye nangomso ebomini. Ngaphezu koko kuthetha ukuxinezeleka kangangoko ukuba ubomi bukulahla ibhola.
Musa ukuthenga ubuninzi obuvunyelwe: kunye nemigca efana, khumbula ukuba ababolekisi abanalo nto inomdla kakhulu entliziyweni. Ababolekisi bemali-mboleko bahlala bebonelela ngexabiso eliphezulu lokuthengwa kwekhaya ngokusekelwe kwinqanaba lakho kwiimali zokufumana imali- kodwa unako (kunye kwaye kufuneka uchithe imali encinci). Abathengisi bezinto ezizenzekelayo bafuna ukuthetha ngokwemali yokuhlawulwa yenyanga, kodwa akuyona indlela efanelekileyo yokukhetha imoto.
Gwema ukuboleka ngamakhadi-ngxowa-mali: ngaphandle kokuba unakho ukuhlawula ikhadi lakho lekhredithi ngokupheleleyo ngenyanga, akufanele usebenzise enye. Ngokugqithiseleyo kunokuba, amakhadi enkoleko aqhubela phambili kwiindleko ezigqithiseleyo ngenxa yokuba 'ungaziva' imali esetyenzisiweyo. Yakha uhlahlo lwabiwo-mali kwaye usebenzise imali okanye ikhadi le debit uze ukhululeke kunye nokusetyenziswa kwakho kwemali. Unako ukubuyela rhoqo kumakhadi- mboleko ekukhuseleni abathengi kunye nembuyekezo emva kokuba uphumelele kwinqanaba leetyala.
Gcina iimeko eziphuthumayo: ngamanye amaxesha abantu baphela kwiityala ngenxa yeemeko ezingalindelekanga - kungekhona ukuchitha kwansuku zonke. Nangona elo tyala lingenakukhuseleka, kwiimeko ezininzi kunokuthintela ngokulondoloza kwangaphambili kwiimeko eziphuthumayo kunye neendleko ezingalindelekanga. Qala i-fund yangxamisekileyo ngokukhawuleza , kwaye uzame ukwakha kwiindleko zokuhlala kwiinyanga ezintathu ukuya ezintandathu.
Qaphela: USarah Brooks wenza igalelo elikhulu kulo nqaku.