Isiqalo sekota elitsha lixesha elifanelekileyo lokuhlaziya iimali zakho
Nangona kuluvo oluhle lokujonga apho unemali ubuncinane kanye ngonyaka, ukwenza ukuhlaziywa kwemali yekota nganye kunokukunceda uhlale ungaphezulu kunye nemali yakho kunye neenjongo zakho.
Ukuba awuqinisekanga ukuba ungayinikela ingqalelo, sebenzisa olu luhlu oluncedo njengesikhokelo.
1. Qalisa ngeNgxelo Yemali kunye neNqaku
Ingxelo yakho yekhredithi kunye namanqaku zimbini zezona ziqendu ezibalulekileyo zepilesi yezempilo yakho. Umlinganiselo omhle wekhredithi kunye nomlando weebredithi ozinzile unokukwenza kube lula ukufumana iimali mboleko xa ufuna, kwaye ujongene nenani lentlawulo efanelekileyo kwizinto obolekayo.
Njengengxenye yokuphononongwa kwezimali ngekota, thabatha ixesha lokujonga ingxelo yakho yekhredithi. Kungcono ukuhlola iingxelo zakho kwii-three ezinkulu ezinkulu zemali-mboleko xa kunokwenzeka, ekubeni i-Equifax, i-Experian ne-TransUnion ayifaki rhoqo inkcazelo efanayo kwiingxelo zakho.
Unokufumana iirekhodi zakho zekhredithi mahhala nge-AnnualCreditReport.com. Ngenye indlela, unako ukufumana ingxelo kunye neengxelo zekhredithi ngeenkonzo zengqesho zekhredithi yamahhala, njenge-Credit Sesame okanye iKharma Karma.
Nantsi into ekufuneka uyibuke njengoko uhlola ingxelo yakho:
- Khangela ukuba ulwazi lwakho oluchanileyo luchanekile kwaye lusetshenziswe ngokutsha
- Hlaziya i-balance balance kunye nembali yokuhlawula nganye kwi-akhawunti
- Khangela naziphi na ii-akhawunti ezitsha ezivulekileyo okanye imibuzo malunga nekhredithi, enokuthi ibe yimpawu zokukhwabanisa
- Khangela naziphi na iingxelo ezimbi, ezifana neentlawulo ezidlulileyo, ii-akhawunti zokuqokelela okanye izahlulelo zoluntu
Ukuba ubona iphutha okanye ukungalungi, qha ga mshelana ne-ofisi yee-credit ukunika ulwazi ukuphikisana nayo .
2. Hambisa kwiBhajethi yakho
Uhlahlo lwabiwo-mali luncedo kakhulu ekugcineni iindleko ekutshekeni nasekusebenzeni kwiinjongo zakho zokugcina. Ngethuba lokuphononongwa kwezimali ngekota, hamba ngaphaya komgca wakho wenkcitho yenyanga ngomgca. Khangela iindleko eziye zanda okanye zinciphisa, okanye iindleko ezintsha ezongeziweyo ukusuka kwikota yokugqibela.
Emva koko, hlaziya imali engenayo. Ngaba wenza imali engaphezulu, imali encinci okanye umlinganiselo ofanayo? Ukuba ingeniso yakho iye yanda kwaye iindleko zakho ziye zahla, oko kuthetha ukuba unemali engaphezulu yokufaka isicelo sokuhlawulwa kwetyala okanye ugcine. Ngakolunye uhlangothi, ukuba ingeniso yakho iye yahlala enye kodwa iindleko zakho zandile, unokufuna ukuphonononga imali yakho ukuze ubone ukuba kukho nayiphi na into onokuyinciphisa okanye yokuyichitha.
Ukuba unetyala, jonga phezu kwecebo lakho lokuhlawula amatyala . Zibuze ukuba usenayo indlela yokuhlawula ityala lakho ngethuba lakho lokugqibela. Ukuba unciphisa nayiphi na indleko okanye ingeniso yakho ikhule, qwalasela ukuba unokwandisa iintlawulo zakho zenyanga zemali ukucima ibhalansi yakho ngokukhawuleza.
3. Thatha iSikhumbuzo sesiBini kwiNgxowa-mali yakho
Imarike yemasheya iyanqabile kwaye ngamanye amaxesha, utyalo-mali lwakho luyakwazi ukubona ukunyuka kwamandla okanye ukuhla kwamanani kunokuba abanye.
Ukuquka ukuhlolwa kwepotowfolio njengenxalenye yokuphononongwa kwezimali zakho ngekota kuya kunceda ukuqinisekisa ukuba usalondoloza isabelo esifanelekileyo se-asethi, ngokusekelwe kukunyamezela kwakho .
Kufuneka kwakhona uhlaziye iimali ozihlawula ngayo utyalo-mali nganye kwikota. Imirhumo ephezulu iyanciphisa kakhulu imbuyekezo kwaye igalelo linokuvakalelwa ngakumbi nangakumbi xa amaxabiso emakethe ahlahla.
Ukuba uqhuba uphononongo lwemali kwikota yesine, unokufuna ukucinga malunga nokuvuna ilahleko kwipotifoliyo yakho ukucima nayiphi na imali eyinzuzo kulo nyaka. Ukulahlekelwa kwelahleko yokuhlawula irhafu kunokunceda ukunciphisa impembelelo yerhafu yokunikwa kwengeniso kweengxowa-mali ezivela kuphuhliso lwakho olulungileyo.
4. Hlola Umyinge Womshuwalense Wakho
Udinga i-inshurensi ukugubungela ikhaya lakho, imoto yakho, ubomi bakho kunye nempilo yakho kodwa oko akuthethi ukuba ufanele uhlawule ngaphezu kwayo.
Kanye ngekota nganye, hlaziya iimali zakho zokuthengisa, ama-premiums kunye neentlawulo. Cinga ukuba ngaba unokufumana naziphi izaphulelo kwi-postage ongayisebenzisiyo, okanye nokuba unganciphisa ama-premium akho ngokuphakamisa imali yakho.
Kwakhona, jonga iiphene kwi-inshurensi yakho. Umzekelo, ukuba usanda kutshata okanye wamkela umntwana wakho wokuqala, kusenokuba ixesha lokucinga malunga nokufumana i-inshorensi yobomi ukuba ungenayo kakade. I-inshorensi yebomi inokubonelela ngenzuzo yezimali kumlingane wakho osasalayo ukuhlawula amatyala, uhlawule iindleko zenyanga okanye uncedo ngeendleko zokukhulisa abantwana ukuba uhamba.
5. Hlaziya i-Your Plan Plan yomvuzo
Ngokukhawuleza uqala ukucwangcisa umhlalaphantsi kungcono kwaye icebo lomqeshi lingaba yindlela enhle yokuqalisa. Ukuba ugcina ngo-401 (k) okanye isicwangciso-ntsebenzo esifanayo sorhafu emsebenzini, hlaziya umrhumo wakho nganye kwikota ukufumana ingcamango yokuba uza kuba negalelo lonyaka. Ukuba awukho kwindlela ekukhupha ngayo umyinge wonyaka wenkxaso, cinga ukulungiswa kwezinga lakho lomnikelo ukuze usondele ngakumbi kumakishi.
Imveli okanye iRoth IRA yindlela enye yokugcina ngaphandle kokucwangciswa kwesicwangciso somqeshi, okanye endaweni yomntu ukuba umsebenzi wakho awunikeli 401 (k). Ukuba awukayivula i-IRA, thatha ixesha lokuphonononga izikhetho zakho kunye nohlahlo lwabiwo-mali ukucacisa ukuba ungakanani ukukwazi ukugcina kwenye yale akhawunti rhoqo ngonyaka.
6. Hlaziya iinjongo zakho
Ukubeka iinjongo kunokuba ngumgqugquzeli omkhulu wokugcina kunye nokusebenza kakuhle nangenkcitho yakho. Ingqungquthela yokugqibela yokuphonononga kwezezimali ihlolisisa kunye neenjongo zakho nganye kwikota ukuze ubone inkqubela phambili oyenzayo. Ukuba kukho injongo onokuyinqumla uluhlu lwakho, cinga malunga neenjongo ezintsha onokuzibeka njengoko uqhubeka nokuphuhlisa isicwangciso sakho semali.