Izinyathelo ezi-8 zokuPhuma kweMatyala
Ukuba netyala kuvakalelwa kakhulu. Umatyala uya kukugcina ufikelele kwiinjongo zakho zemali, njengokugcina umhlalaphantsi okanye ukuthenga ikhaya. Ingaba ngumthombo woxinzelelo kunye nentlungu, ekubangela ukuba uhlale uxhalabile ngemali yakho kwaye uzisole umda ongeke ubeke ebomini bakho. Ngethamsanqa, ityala ayikho isigwebo sentlalo. Unako-kwaye kufuneka ufune ukuphuma kwetyala njengento ephambili.
Abantu abaninzi banzima ukuphuma kwetyala ngenxa yokuba abaqinisekanga ukuba bangaqala kuphi.
Abantu banemibuzo eminingi malunga nenkqubo. Ziziphi iimali ezifanele zihlawulwe kuqala? Kufuneka uhlawule kangakanani inyanga ukuphuma kwetyala? Ngaba inkokhelo encinci yanele? Ingaba iza kuthatha ixesha elingakanani? Ngaba kuya kuba nzima? Yintoni oyakufuneka uyilahle? Uku landela la manqaku asixhenxe kuya kukunika ulwalathiso olufunekayo ukuhlawula ityala lakho ngokufanelekileyo.
1. Cinga ngendlela oye wafumana ngayo amatyala
Iingcebiso zomdabu zixelela ukuba ungahlali kwixesha elidlulileyo, kodwa kulo mzekelo, ukujonga emva kunokunceda. Ukuphuma kwetyala - nokuhlala ngaphandle - kufuna ukuba utshintshe imikhwa okanye iimeko ezikhokelela ekutyala kwi-matyala kuqala.
Thatha ixesha lokucinga malunga nokuba ungene njani kwityala. Bhala phantsi kwezinto ezintathu ukuya ezintlanu izinto ozikholelwa ukuba zinegalelo kumatyala akho. Yintoni enokwenza ngokungafaniyo? Yintoni oya kwenza ngayo ngokungafaniyo ukuphepha ukhuseleko kwixesha elizayo.
Ityala Lakho Lingayi kuba yintsilelo Yakho. Ngokuqhelekileyo, abantu baqhutyelwa ngetyala ngenxa yokuba baxakeke kwaye baxakeke. Nangona kunjalo, oku akunjalo kumntu wonke. Abantu abaninzi banetyala lezonyango ezivela kwiinkqubo zonyango ezingabonakaliyo.
Unokuba netyala ngenxa yokuqhawula umtshato .
Enyanisweni kulula ukufumana ityala. Ikhampani zekhadi zetyala zikulungele ukunika ikhredithi. Oko kukuthi, ude utshabalalise i-credit yakho. Iimali zabantu azifundiswa ezikolweni ezininzi. Asizalwanga ngolwazi lwetyala okanye ukukwazi ukulinganisa ukuba kukho ityala elingakanani. Kwaye sikhuthazwa ukuba sinikeze ngemali imfundo ngamathemba okuphucula amathuba ethu okufumana ixesha elide.
Ukucinga ngezinto ezakukhokelela kwi-matyala akuthethi ukuba uziva uzibi malunga nokuba netyala. Kunoko, injongo kukubona ukuba yintoni ekhokelela ekubeni lakho ityala ukuze uthabathe amanyathelo okukhusela into efanayo ukuba ungabikho kwakhona.
Yaye ukuba unabantwana, okanye uya kuba nabo ngolunye usuku, ezi zifundo ezibalulekileyo zidlula kunye nabo, banokugwema amatyala.
2. Shintsha iindlela zakho zokuchitha imali
Ukufikela kwimimiselo yokusetyenziswa kwemigudu emibi kunzima. Nangona uchitha imali, mhlawumbi unayo (into evakalelwa ngayo) isizathu esihle sokuyisebenzisa. Kodwa, ukuba iimpahla zakho zokuchitha imali zichitha ingomso wakho wezezimali, kufuneka uzilahle. Yeka ukuchitha imali eninzi, yakha uhlahlo lwabiwo-mali , kwaye uqalise ingxowa-mali yengxamisekileyo .
Ukuchonga Iimpawu eziMbi. Yenza imali yakho ilawulwe ngokulandelela zonke iindleko zakho ubuncinane ngenyanga. Emva koko, faka iindleko zakho kwiindidi uze uhlawule iqela ngalinye. Oku kukuvumela ukuba wazi kakuhle apho imali yakho iya khona.
Enye indlela yokulinganisa iindleko zakho zangoku kukubona ipesenteji yenkcitho yakho eya kwiqela ngalinye lokuchitha: iindleko zendlu, igesi, ukutya, njl. Ukubala ipesenti, ukwahlula imali oyisebenzisileyo kwisixa ngasinye kwisilinganiso sakho imali yenyanga.
Emva kokuba uhlalutye imali yakho yithuba lokuba wenze utshintsho apho imali yakho iya khona.
Ukuba kubonakala sengathi uchitha imali engavumelekanga kuyo nayiphi na inqanaba, khangela iindlela zokunciphisa iindleko. Umzekelo, ukuba ngaphezulu kweepesenti ezingama-25 zengeniso yakho zibhekise ekutya, kufuneka uqonde indlela onokunciphisa ngayo iindleko zokutya. Ulawulo lwe- 50/30/20 loMthetho wohlahlo lwabiwo-mali lunokukunceda ugcine imali yakho yokutshekisha.
3. Umzekeliso Wokuba Unamatyala amaninzi
Kuze kube ngoku, mhlawumbi uye wahlala ungayiqondi ukuba unetyala elingakanani. Ngoku lixesha lokujongana nenyaniso yetyala lakho. Yenza uluhlu lwawo onke amatyala akho , umrhumo onetyala, inzala, kunye nentlawulo encinci. Sebenzisa izitatimenti zentlawulo yakutshanje, ukukhishwa kweekhitethi okanye izitatimende zebhanki, kunye neengxelo zakho zemali-mboleko ukuze ufumane uluhlu olupheleleyo lwawo wonke umntu onetyala kunye nemali oyimfuneko.
4. Qinisekisa ukuba Unokuthi uninzi olunjani ukuhlawula
Ukuba ngoku uhlawula ubuncinane ubuncinane nyanga zonke, kuya kuthatha iminyaka emininzi, mhlawumbi kwamashumi eminyaka ukuhlawula ityala lakho ekugqibeleni. Ukuhlawula ityala lakho ngokukhawuleza, kuya kufuneka uthumele ngaphezulu kweyona ntlawulo encinci ubuncinane kwi-akhawunti yakho nganye ngenyanga.
Sebenzisa iBhajethi yakho ukuNcedisa iNgxowa-mali yakho. Sebenzisa uhlahlo lwabiwo-mali lwenyanga zonke ukukunceda ukuba ufumane into onokukwazi ukuyichitha kwinyanga nganye inyanga. Yonke ingeniso yakho kwimithombo yonke ethembekileyo kuquka nomvuzo, i-alimony, iintlawulo zenkxaso yabantwana, ibhonasi, okanye izabelo. Emva koko, susa oko uchitha ngenyanga nganye kwiindleko ezifunekayo, ezo zinto ufuna ukuba usinde. Iindleko ezifunekayo zibandakanya umboleko okanye irente, izibonelelo, ukutya, izithuthi, iindleko zonyango, kunye netyala lakho langoku (intlawulo).
Ungalibali ukuphendula i-akhawunti nayiphi na iindleko ezingavumelekanga okanye ngezihlandlo ezinokuthi zikhuphe ngenyanga. Yintoni eseleyo emva kokuba ufumene zonke iindleko zakho eziyimfuneko ngumlinganiselo onokuwusebenzisa kwityala lakho. Sebenzisa le mali kwisicwangciso sakho setyala.
Bhatala xa ufuna. Imali ongayifaka kwisikwere sakho, ngokukhawuleza unakho ukuhlawula. Yenza ubuchule ngendlela oza ngayo ngemali eyongezelelweyo ngokunciphisa iindleko zakho zangoku kunye nokukhangela iindlela zokwandisa umvuzo wakho.
5. Beka ndawonye iSicwangciso
Isicwangciso setyala akumele sibe nzima.
Yonke into oyifunayo ngokwenene kukubeka phambili izikwereti zakho, nokuba ngumyinge wenzala okanye ngokulinganisela okanye ezinye iindlela ozikhethayo.
Yiyiphi ityala omele uyihlawule kuqala? Kufuneka ukhethe indlela eya kukugcina ukhuthaze ukuhlawula amatyala akho. Ukuba ukulungiswa kweentlawulo zakho kubaluleke kakhulu, ke indlela ephakamileyo yenzalo ibhetele. Ngakolunye uhlangothi, ukuba ungashukunyiswa ngokuhlawula ityala elikhulu ixesha elide, ke indlela encinci yamatyala iya kuba ngcono kuwe. Kukho umntu obolekisiweyo ofuna ukulahla ngokupheleleyo. Kwimeko apho, hlawula okokuqala kwikhadi lekhredithi. Injongo kukuyalela amakhadi akho ekwereta kwaye uqale ukuhlawula.
Ufanele Uhlawule Kangakanani? Emva kokuba ubeke phambili amatyala akho, gqibo malunga nokuba uza kuhlawula phi inyanga. Kungcono kakhulu ukuba wenze intlawulo-ntlawulo kwenye yamatyala akho ngelixa uhlawula ubuncinci kuwo onke amanye ama-akhawunti. Emva koko, xa uhlawule ityala elilodwa, uhanjiswe intlawulo yakho yokuhlawula kwisikwere esilandelayo kwiluhlu lwakho.
Ingaba iza kuthatha ixesha elingakanani? Unokubona isicwangciso sakho siza kudlala kwaye siqikelele ixesha eliza kukuthatha ukuba ube netyala ngokukhulula ngokubala ityala lokubuyisela ityala . Abanye bakuvumela ukuba ufake inkokhelo yenyanga nganye okanye umhla wokukhawuleza ongenatyala ukuze wenze ngokwezifiso isicwangciso sakho sokubuyisela.
Qaphela ukuba ixesha lakho lokubuyiselwa kwetyala linokuthi litshintshe ngokuxhomekeka kwisixa ohlawula ngayo ityala lakho nokuba ngaba udala ityala elongezelelweyo. Phinda ubuyekeze ityala lokuhlawula ityala kanye okanye kabini ngonyaka ukuze ubone indlela oqhubela phambili ngayo kwinqanaba lakho lesikhathi.
6. Qalisa ukwenza iintlawulo
Ngesicwangciso kunye nenani lentlawulo yenyanga, oko kufuneka ukwenze ngokulandelayo ukuthumela iintlawulo zakho ngokuthembeka nyanga zonke. Le nxalenye yesicwangciso iza kuthatha ixesha elide, iminyaka emininzi kuxhomekeke kwisixa sematyala onayo kunye neentlawulo ozenzayo. Ukuhambelana neentlawulo zakho kuyimfuneko ebalulekileyo yokuphuma kwetyala.
Ukulandelela Inkqubela Yakho. Ukudala amatyala amakhulu kunokukunceda uhlale ukhuthazwa ekuhlawuleni ityala lakho. Ngokubhiyozela impumelelo encinci, njengokuhlawula iipesenti ezili-10 okanye i-25 ekhulwini letyala lakho, uyaziqonda inkqubela phambili oyenzayo kwaye uhlale ukhuthazwa.
7. Musa ukudala amatyala amaninzi
Awukwazi ukusebenzisa amakhadi akho ekwereta ukuba ufuna ukuphuma kwetyala. Ukudala ityala ngelixa uzama ukuhlawula ityala kuya kukulimaza inkqubela yakho. Kufana nokuthatha amanyathelo amabini ahamba phambili kwaye amanyathelo amathathu abuya ngasemva. Uzibeka nje kuphela.
Akuyimfuneko ukuvala iakhawunti yakho yekhadi lekhredithi, ngaphandle kokuba ucinga ukuba awukwazi ukulwa nesilingo sokuyisebenzisa.
Unokufakisha amakhadi akho ekwerethi ukuze uzikhusele ekusebenziseni. Ewe, ngokwenene, faka amakhadi akho ekhredithi kwisitya samanzi uze uwafake efrijini. Ukuba ufumana unqweno ngamakhadi wakho eemboleko, kufuneka ubeke umzamo omkhulu ukuze uzikhuphe ngaphandle kweqhwa. Ngethemba, oko kuza kukunika ixesha lokuphinda ucinge ngokusebenzisa amakhadi akho uze uwabuyisele kwifriji kuze kube yilapho ukhulelwe.
8. Bounceback Ukusuka Kwezithintelo
Akunakuhamba ngokuhamba ngokuhamba kwindlela yakho inkululeko. Ngokomzekelo, uxinzelelo lwezemali olufuna ukuba unciphise ukuhlawulwa kwakho kweenyanga ezimbalwa. Kulungile. Khawukhawuleze kunye neentlawulo zakho ngokukhawuleza. Unokudimazeka ukuhlawula ityala lakho, kwaye yinto engokwemvelo. Unqobe ukudimazeka kwaye ugcine ityala lakho ngokubuyisela.