Enye yeendlela ezilula ukuphuma kwiiTyala
Mhlawumbi inengozi yezemali eyingozi ebhekene nabathengi namhlanje ityala elikhulayo. Inkxalabo yetyala sele ibaluleke kakhulu kangangokuba intsapho yase-United States ithatha i-$ 8,000 kwi-credit card yekharityhulam yedwa, kwaye malunga nama-43% aseMelika achitha ngaphezulu kunokuba ayifumana ngonyaka.
Leyo ayikho inani elincinci. Isikweletu esivimbayo esingaphantsi kwabathengi abaninzi abangaphantsi kwexesha asinakho usuku lokugqibela, intsingiselo, ininzi lethu, ityala lethu liya kuhlala ngonaphakade.
Indlela yokuhlawula amatyala
Nangona abaninzi abathengi bephendukela kwizixazululo ezinobungozi ezifana nokubolekwa kwemali-mboleko okanye iinkampani zokuhlawula amatyala , umgaqo wokulawulwa kwetyala obizwa ngokuba 'ityala lebhola lebhola' liye laziwa kakhulu. Le yilapho iibhalansi ezincinci zihlawulelwa kuqala, zilandelwa zizilinganisi ezinkulu. Ukusebenzisa ityala le-snowball ukuphuma kwetyala kungaphezulu kwegama eliqhelekileyo, ngokwenene indlela yokuhlawula iinqununu ngokuchanekileyo, kwaye inento ekhuthazayo ekwakhiwe kuyo. Njengoko uhlawula phantsi amatyala amancinci, uyabona impumelelo, kwaye ikhuthaza ukuba unamathele kwisicwangciso.
Indlela iMatyala ye-Snowball isebenza ngayo
Nantsi indlela i-snowball yamatyala esebenza ngayo; njengomzekelo, masithi sinezilinganisi zamatyala ezi-5 ezikhoyo, enye enye i-$ 100, enye enye eyi-$ 500, ezimbini ezi-$ 800 kunye nomntu oyedwa ophethe ibhalansi ye-4,000.
Ngaphambi kokuba uqalise le nkqubo, kulungile ukuba, xa kunokwenzeka, ukuba ubanjwe kunye nekhoyo yangoku zonke iintlawulo zenyanga. Le nkqubo yokuhlawula amatyala ekwenyuka umyalelo ibalulekile, njengoko siza kubona kwithuba nje nje. Kwakhona kubaluleke kakhulu ukuba kungabikho nawaphi na amatyala amatyala ngelixa senza le nkqubo.
Inkqubo yesinyathelo kunye nenyathelo ukuphuma kwetyala kukuqala ngokuhlawula kuphela ubuncinci kuwo onke amatyala ngaphandle kweyona ncinane. Ngokomzekelo wethu, masithi inkokhelo encinci, ibhalansi yethu eyi-100, inokuhlawulwa yenyanga eyi-10. Ngoku kuza inxalenye elukhuni, ebonisa ukuba ingakanani imali onokukwazi ukuyifaka kwinkokhelo yenyanga yerhafu encinci. Ikhethelo elikhethekileyo liza kuba liphindwe kabini, ukuya kuma-20, okanye ngaphezulu xa kunokwenzeka. Nangona kunjalo, nayiphi na imali iya kunceda. Ukuhlawula ngaphezu kokuncinci kuya kunciphisa i-bill bill ngokukhawuleza. Ngeenjongo zethu, masicinge ukuba sihlawula kabini, ngoko kukho i-$ 10 eyongezelelweyo iya kwi-balance balance month .
Oku kuya kuthetha ukuba ibhalansi kule mali iya kuhlawulwa ngokukhawuleza, mhlawumbi kwiinyanga ezintandathu okanye ngaphantsi, kwintlawulo ephantsi. Nanku apho ubuhle bebhola lebhola lebhola likhawuleza kwaye liqala ngokwenene ukunceda umntu ukuba aphume ematyaleni: ngokuthatha imali yentlawulo, kulo nyaka, i-$ 20, eyayiya kumatyala amancinci, kwaye uyayifaka kwisikwere esincinane kunazo zonke, ngoku sihlawula phantsi eso sikolo ngokukhawuleza.
Ukuba inkokhelo yesibini, nge-balance of $ 500, inokuhlawula ubuncinci be-$ 50, ngoku sihlawula i-$ 20 ngaphezulu ngenyanga. Ukucinga ukuba i-$ 10 yentlawulo ihamba kuphela kwiindleko zezemali , oko kusenokuthi i-$ 60 ngenyanga ichaneke ngqo kwi-matyala.
Oku kuthetha ukuba ibhalansi ye-$ 500 iya kuhlawulwa ngokupheleleyo kwiinyanga ezili-8. Ngoko ngoku, siye sahlawula amatyala ethu amabini kwiinyanga ezili-14 nje.
Nanku apho i-snowball ithatha isantya. Sinokuphinda le nkqubo kwiingxowa-mali ezi-$ 800. Ukuhamba kunye nezibalo ezifanayo, sisebenzisa i-$ 70 engaphezulu kwesinye sezilinganiso, ke enye, ityala lokuqala lihlawulwa kwiinyanga ezintandathu, kwaye ke okwesibini ihlawulwa kwiinyanga ezingaphantsi kwezine, kwaye ngoku sinokubakho I-205 nganye inyanga enokusetyenziswa kwi-balance ye $ 4,000.
Ukuze wenze oku kulula, masithi intlawulo ye-$ 4,000 i-$ 200 ngenyanga, sele i-$ 100 ishabalaliswa ngonaphakade kwiinkcitho zenkxaso-mali . Ngoko ke songeza i-$ 205 ukuya kwi-intlawulo encinci eya kwinqununu, kwaye ibhalansi yonke ye-4,000 yeeRhafu ingahlawulwa ngokuphela konyaka nje ngezinga eliphezulu lezala .
Ngoko, masibale. Sasihlawula zonke iimali zethu ngaphandle kwelikhulu kwiinyanga ezingama-24, kwaye kwathatha malunga nomnyaka ukuhlawula i-bill enkulu yokugqibela. Iminyaka emithathu kuphela ukuhlawula imali engaphezu kwama-6,000 kwi-matyala ngokungenzi nto ngaphezu kokuhlawula ubuncinci kuwo onke amatyala ngaphandle kokungeza i-$ 20 eyongezelelweyo kwiyona encinci ekuqaleni. Nangona iminyaka emithathu ingasilungiswanga ngokukhawuleza, iyancipha ngokukhawuleza xa kuthelekiswa neentlawulo ezihlala ngokusisigxina xa uqhubeka uqhuba iintlawulo ezincinci kuwo onke amatyala. Kodwa uyazi ukuba yintoni inxalenye engcono? Emva kokuba lonke ityala lihlawulwe, ngokukhawuleza uphantse i-$ 600 eyongezelelweyo ephakamileyo lakho ngenyanga! Oku kungenza indlela ende ekudaleni i-fund yexakeka , ukugcina umhlalaphantsi, okanye ukubeka eceleni kwiikholeji.