UkuLawula iiHholide xa Ukho kwiSahluko 13 iBhangeruptcy
Intsapho ikwazi njani ukuhlangabezana nayo xa ityala likaSahluko 13 lichithwa ? Ngaba ufanele ukuyeka ukugubha iminyaka emihlanu? Akunjalo, kodwa kuya kuthatha ulwazi kunye nokucwangcisa. Nazi ezinye izinto ozicingayo.
Siyisebenzisa Kangakanani Kwieholide?
IKrismesi ayisisigxina kuphela sokuphela kweminyaka ebiza imali.
Kuza kwizithende ze-back-to-school push with supplies, incwadi, imirhumo kunye nezambatho. Emva koko kukho iHalloween kunye nemibutho, iingubo kunye ne-candy. Ngombulelo unokuthatha i-chunk yenguqu. Emva koko kuza iKrismesi: amathoyizi ebantwaneni kunye nezipho zamalungu omtshato asekudala, abasebenzisana nabo, abahlobo kunye nababoneleli ngeenkonzo. Kukho amaqela, ukutya, izambatho zokugqoka, ukuhamba kunye nokunikela ngokuzinikela.
Isiphakamiso esifanayo kukuba awuchithe ngaphezu kwe-1.5 ukuya kwi-2 ekhulwini yengeniso yakho yonke kwizinto ezihlobene neeholide. Kwintsapho enemali engama-40,000, ephuma kwi-$ 600 ukuya kwi-800. Uza kuchitha i-$ 1,125 ukuya kwi-1,500 imali xa usapho lwakho lufumana i-$ 75,000.
Izilungiso kwiSahluko 13
Ukuba iKrisimesi yintlekele yezemali kwiintsapho ezininzi, kunokubonakala ngathi akukho misebenzi engenakwenzeka kubazali abachaphazelekayo kwimeko yeSahluko 13. ISahluko 13 izicwangciso zokuhlawulwa zifuneka ukuba zihlale zithathu ukuya kwiminyaka emihlanu. Intlawulo zenziwa rhoqo ngenyanga.
Inani leemeko kunye neengcinga zidlala ekubalweni kwesicwangciso sokuhlawula, kodwa enye yeyona nto ibaluleke kakhulu ingeniso efunyanwa ngumboleki. Kumele unikezele ingeniso yakho kwinkundla ye-bankruptcy, kubandakanywa nayiphi na ibhonasi, umsebenzi wexeshana, ukhuseleko lwezeNtlalo, ukungasebenzi, inzuzo evela kwishishini, kunye nomdla wokulondoloza kunye notyalo-mali onokufumana.
Kufuneka uxelele zonke iindleko zakho. Ingeniso ehlawulwayo yimali onayo-okanye kufuneka uhambe-ekupheleni kwenyanga emva kokuba udibane nazo zonke iindleko zakho ezifanelekileyo neziyimfuneko.
Eyona nto leyo, leyo engenayo ingenakusetyenziswa xa kuthengwa izinto ezimnandi, ngokunika isipho, okanye ukuhamba okanye ukugcina ekuthengeni okukhulu. Kodwa ukuthengwa kunokukhawulelwa kwimeko yeSahluko 13 kuba ayinakuthathwa njengento efanelekileyo okanye eyimfuneko. Ingeniso yakho ehlawulwayo iya kuba iSahluko 13 sokuhlawula isicwangciso. Imali iya kubabolekisi bakho.
Ukuthatha kwiTyala elitsha kwiSahluko 13
Enye imfuneko ebalulekileyo kwiSahluko 13 kukuba umboleki kufuneka akwazi ukuthatha nayiphi na ityala elitsha ngexesha leprogram. Khumbula ukuba ezi zicwangciso zinokugqibela ukusuka kwiminyaka emithathu ukuya kwiminyaka emihlanu. Nangona abaninzi abantu bephila ngaphandle kokusebenzisa iitaliti, beya "kwi-cold turkey" xa sifaka isahluko 13 kwimeko enzima kuninzi lwethu.
ISahluko 13 sebhajethi sixininiswe ngokubaluleka, kwaye abaninzi abanetyala abanako ukufumana yonke imeko ngaphandle kokuncediswa. Ngenxa yezi zinto, ikhowudi ye-bankruptcy ivumela umntu obolekayo ukuba athathe ityala xa enesizathu esilungileyo kunye kuphela nemvume yenkundla. Ukuba ifriji yakho inika umoya, uya kuthi uvumeleke ukuba ubole imali encinci ukuze uyitshintshe.
Kodwa awuyi kuvunyelwa ukuba uthathe umboleko wemivuzo yokunika i-kid yakho iXBox yeKrismesi.
Oku kusebenza kumakhadi-mboleko kunye. Ukuba ikharenda yekhadi lesikweletu ayiphumelelanga ukuvalela i-akhawunti yakho xa ufaka isicelo sokungena phantsi, akuthethi ukuba ukhululekile ukuyisebenzisa. Amakhadi e-Debit ayenzi kakuhle, kodwa kufuneka uqaphele ngokukhuselwa kwe-overdraft, okuyimpumelelo ye-credit.
Amacandelo okuLawula iIholide ngeeMali
Kukho iindlela zokubakhokhelwa imali ukuze ixhaswe iKrisimesi ngaphandle kokuboleka ebhankini okanye umboleki weholide . Unokuzama ukugcina ngokuncinci okuncinci xa uqala phambili ngeli holide. Ezinye iibhanki zinika "iiKlabhu eKrisimesi" ezifuna ukuba wenze iincinci, iifomethi rhoqo kwixesha elimiselweyo.
Enye indlela yokulondoloza kwiincinci ezincinci kukusebenzisa inzuzo yebhanki yakho ngokuzenzekelayo okanye "ukujikeleza" inkqubo.
Unokwenza isicwangciso sokulondoloza ngokuzenzekelayo esithumela inani elincinci nganye ngeveki okanye ngenyanga kwi-akhawunti eyahlukileyo. Njengoko i-$ 10 ngeveki inokukunika umtya omhle we-$ 520 emva konyaka.
Ezinye izinto
- Shintsha isicwangciso sakho sokuhlawula: Unako ukukwazi ukuguqula isicwangciso sakho sokuhlawula iSahluko 13 ukunciphisa iintlawulo zakho ngenyanga okanye ezimbini ukuze usebenzise imali "egcinwe" ukuhlawula iindleko zeKrisimesi. Kodwa ngaphambi kokuba ucinge ngolu khetho, kufuneka ukwazi ezimbini izinto. Okokuqala, igqwetha lakho liya kukuhlawulisa amawaka angama-dollar ukulungiselela nokufaka isicelo sokuguqula inkundla. Kwaye okwesibini, ekubeni uhlawula imali esetyenzisiweyo ngexesha lokumiselwa kwidlali yakho yokuhlawula, iintlawulo zakho ziza kunyuka kwiinyanga ezisele ukuba zenze umehluko xa uzonciphisa iinyanga ezimbalwa,
- Ukuboleka kwi-401 (k) isicwangciso: Inketho encinci ingabakhokhelwa kwi-401 (k) isicwangciso. Igosa lakho liza kufuneka lifake isikhalazo enkundleni icela imvume yokwenza oku kanye. Ukuba imvume inikezelwe, kuya kufuneka uhlele isicwangciso sokubuyisela imali mboleko.
- Sebenzisa imali yakho yokubuyiselwa kwentela: Sivame ukufakela iirejista zethu zerhafu entwasahlobo kwaye ukuhlolwa kweembuyekezo zethu kuza emva kweeveki ezimbalwa. Abanye abantu bafaka imali ebhankini, kodwa abaninzi banokubheka njengento encinci kwaye baxhomeke ngokufanelekileyo. Xa usesikweni seSahluko 13, le mali iyimali engenayo eyongeziweyo. I-trustee yakho inokuyithatha inzuzo yabathengi bakho. Ngakolunye uhlangothi, amaninzi amatrasti ayaqonda ukuba ukuthatha konke ukubuyiselwa kwemali kunzima. Basenokuvumela ababoleki ukuba bagcine enye yemali. Ukuba unethamsanqa kwaye oku kwenzeka kuwe, qinisekisa ukuyigcina de holide ijikeleze.