Ukulungiswa kwemvuzo kwenzeka ntoni xa inkundla ityala inxalenye yentlawulo yakho ukuba igcinwe ukuze unelise ityala omele lona. Uninzi lwabo bemali-mboleko abanakufumana imvume yokulungisa umvuzo wakho ngaphandle kokuqala ukugweba ngokumelene nawe kunye nokuphumelela isigwebo kuloo mthetho. Emva koko, ukuba awunelisekanga isigwebo somgwebo, umbolekisi angakuthi emva koko acele inkundla imvume yokulungisa umvuzo wakho.
Ingakanani Imali Yakho Eyakunikwa?
Ukuba usanda kukwaziswa ukuba umvuzo wakho uya kulungiswa okanye ulungele ukuhlaziywa kwemivuzo, unokuzibuza ukuba ingaba ingakanani imali yakho engenayo inokulungiswa.
Ngokusemthethweni, kuphela ipesenteji ethile yomvuzo wakho inokulungiswa. UMthetho woKhuseleko weMboleko ngumThengi ngumthetho we-Federal obeka umlinganiselo wemvuzo wakho onokulungiswa.
Isixa esiphezulu esingagcinwa kwi-paycheck sakho sisezantsi kwezi zinto zilandelayo:
- I-25% yengeniso yakho efumanekayo ukuba ingeniso yakho ehlawulwayo ingaphezu kwe-$ 290.
- Nawuphi na umlinganiselo omkhulu kunamaxesha angama-30 umvuzo omncinci wenkxaso-mali: $ 217.50.
Indlela Ukunciphisa Umvuzo Okuthintela ngayo Ukuhlawulelwa Kwemivuzo Yakho
Isamba semali engenayo enokulungiswa sisekelwe kwipesenteji yakho engenayo. Ingeniso yokuhlaziywa kwemivuzo, ingeniso yakho ehlawulwayo ingeniso yakho engenayo ngaphandle kweyonke inzuzo efunekayo ngokomthetho kubandakanywa irhafu, urhulumente weerhafu, urhulumente wengxowa-mali, ukuchithwa kwentlalo, kunye neenkqubo zomhlalaphantsi.
Ukuncitshiswa okungafunwa ngumthetho-njengempilo yomshuwalense kunye neminikelo yothando - ayisuswanga kwiholo lakho elipheleleyo ukwenzela ukuba ufumane ingeniso yakho engenayo.
Ezi zihlomelo ziya kuthathwa kwi-intlawulo yakho emva kokuhlaziywa kwemivuzo kwaye iya kunciphisa kwakhona inani lakho lokuthatha umvuzo wekhaya. Ukuba okwangoku uhlaziywa kwemivuzo yakho, buyekeze ukuxothwa kwakho ukuba ubone ukuba unokutshintsha nantoni na ukuba ungeze imali eninzi kwiholo lakho.
Ukungaxhomeki kwiMigangatho yokuThengiswa kwemivuzo
Le mida ayisebenzisi kwizinto zokuhlobisa izikwere zerhafu ezingakhokhelwa, iilawulwa zenkundla yebhanki, inkxaso yomntwana okanye umtshato, okanye izabelo zemivuzo yokuzithandela.
Ukuhlawulwa kweentlawulo zenkxaso yomntwana kunye nomtshato, ukuya kuma-50% unokulungiswa ukuba unomnye umntwana okanye umlingane ukuxhasa. Ngaphandle koko, unokulungiswa ukuya kwi-60%. Ukuba ufanele uhlawule iiveki ezingaphezu kwe-12 zentlawulo emva, unokuhlaziywa i-5% eyongezelelweyo ukukhupha ezi ntlawulo.
Amaziko aseburhulumenteni angayigcina i-15% kwaye iSebe lezeMfundo liyakwazi ukulufumana i-10%.
Urhulumente wakho unokuba nemida eyahlukileyo yokulungiswa kwemvuzo. Kwiimeko, apho imingcele yokulungiswa kwemirhumo yombuso ihluke kumda we-federal, lowo ophumela kwisixa esincinane sokugcoba sisetyenzisiweyo.
Ukuba Ukulungiswa Kwemivuzo Kubonisa Ubunzima
Umvuzo wokuhlawulela umvuzo usenokuphakama kangangokuthi ukushiya awukwazi ukufumana iindleko zokuphila eziphambili. Ukuba oku kuyinyaniso, unokukwazi ukufaka ibango lokukhululwa ukunciphisa umvuzo wokuhlawula umvuzo. I-Bankruptcy enye inketho kwiintlobo ezithile zeetyala ezingakhuselekanga, kodwa kungekhona kwimali-mboleko yabafundi, inkxaso yabantwana kunye namatyala athile erhafu.