Iingcebiso zokubuyela kwiNdlela xa ungenako ukuhlawula imali
Isisombululo sinokulula kwezinye iimeko. Ngokomzekelo, ukuba awukwazi ukuhlawula iirhafu zeemoto zakho, kunokwenzeka ukuba uthengise imoto kwaye utshintshe kwixabiso elibizayo kodwa elikhuselekileyo-okanye ungenzi ngaphandle kwemoto kwithuba elithile.
Ngelishwa, izisombululo azifaneki lula.
Ngethamsanqa, kukho izicwangciso ongazisebenzisa ukugcina izinto zingabi zibi nakakhulu.
Ukuba awuyi kuhlawula
Oku kunokukunceda ukuthetha ngokubhekiselele kwimeko yokuqala. Ukuba uyeka ukuhlawula imali mboleko, ekugqibeleni uya kugqitywa kuloo mboleko. Isiphumo kukuba uza kuba nemali eminye ngenxa yokuba izigwebo, iintlawulo kunye neendleko zomdla ziya kwakha. Amanqaku akho ekhredithi aya kuwa. Kungathatha iminyaka emininzi ukuyifumana, kodwa unokwakha kwakhona ityala lakho kwaye uboleka kwakhona-ngamanye amaxesha kwiminyaka embalwa nje.
Iintolongo zabagqwetha zaye zahlanjululwa e-US ngaphambili, ngoko akudingeki ukuba uxhalabele malunga neengongelo zabaqokeleli beetyala zokuthumela amapolisa kusasa . Nangona kunjalo, kufuneka uhlawule iinkcukacha zomthetho kunye neemfuneko ukuba ubuncinane zivele enkundleni.
Yiloo nto eyona nto ingenzeka. Akumnandi - kuphazamisekile kwaye kukukhathaze - kodwa into onokuyifumana kwaye unokuyiphepha loo meko ngokupheleleyo.
Xa Uyazi ukuba awukwazi ukuhlawula
Ngethemba, unokufumana ixesha elide ngaphambi kokuhlawulwa kwakho kwentlawulo elandelayo. Ukuba kunjalo, ungathatha inyathelo ngaphambi kokuba ufikelele kwiintlawulo. Kule ngongoma, unokhetho oluninzi.
- Ukuhlawula ngokukhawuleza: Kuhle ukuba wenze iintlawulo zakho zemali ngexesha, kodwa ukuba awukwazi ukwenza oko, ukuhamba kancinci kungcono kunokuba kuphelile . Zama ukufumana inkokhelo yakho kwiintsuku ezingama-30 zomhla. Kwiimeko ezininzi, ezo ntlawulo zikhawulezileyo azixeliwe kwii-credit bureaus, ngoko i-credit yakho ayiyi kubonakaliswa. Oku kukushiya ukhetho lokudibanisa okanye ukuhlaziya amatyala.
- Qinisekisa okanye uhlaziye: Unokuthi ube ngcono kunye nemboleko ehlukile. Ikakhulukazi kunye neengxowa-mali ezinobuthi ezifana namakhadi-mboleko kunye nemali-mboleko yokubhadela, ukudibanisa nemboleko mboleko kubangela iindleko zenzalo ephantsi kunye nentlawulo ephantsi efunekayo. Ngaphezulu unayo ixesha elingaphezulu lokubuyisela. Ngokomzekelo, unokufumana imali mboleko oyimbuyiselo oyimbuyekezo emva kweminyaka emithathu ukuya kwemihlanu. Ukuthabatha ixesha elide ukubuyiselwa kungagqiba kukuxabisa kakhulu kwinzala - kodwa kungenjalo. Kwakhona, ukuba uphuma kwiimali-mboleko zemihla yokuhlawula i-payday oza kuphuma lula. Uya kufuneka ufake isicelo phambi kokuba uqale ukulahleka iintlawulo ukuze ufumane imvume yokuboleka imali. Ababoleki abafuni ukunika imali mboleko kumntu osusele emva. Ufanele uboleke kuphi? Qala ngokufaka isicelo semali- mboleko engakhuselekanga kunye neebhanki kunye neemanyano zeentengo zemali ezisebenza kwindawo yakho, kunye nababolekisi be-intanethi. Faka isicelo kule mboleko ngethuba elifanayo ukwenzela ukuba unciphise umonakalo kwi-credit yakho kwaye uhambe kunye nesibonelelo esihle.
- Imali-mboleko ekhuselekile: Ukudibanisa nemboleko ekhuseleyo Kwakhona ukhetho ukuba ufuna ukumbambisa ixabiso njengempahla. Nangona kunjalo, ubeka ingozi ekulahlekeleni ezo zinto xa ungeke ukwazi ukwenza iintlawulo zemboleko entsha. Ukuba ubeka indlu yakho kumgca, ungayilahleka ekukhuselweni , okwenza izinto zibe nzima kuwe nakwintsapho yakho. Ukuba isithuthi sakho sabuyiselwa kwakhona asiyi kulungeleka, kwaye kuya kuba nzima ukufika emsebenzini kwaye uqhubeke ufumana imali engenayo.
- Xoxa nababolekisi: Ukuba ubona ingxaki yokuhlawula iintlawulo, khuluma nomboleki wakho. Bangase babe neendlela zokukunceda, nokuba uyatshintsha umhla wakho okanye uvumele ukunqumla iintlawulo kwiinyanga eziliqela. Unokwazi uxoxisane nokuhlala kunye nomboleki wakho. Cacisa ukuba awukwazi ukwenza iintlawulo, unikeze ngaphantsi kweentlawulo zakho, uze ubone ukuba bayamkela. Oku akunakwenzeka ukuba ungaphumelelanga ngaphandle kokuba unako ukukholisa umboleki wakho ongenakukwazi ukuhlawula, kodwa ukhetho. Qaphela ukuba i-credit yakho iya kuhlupheka xa uhlala, kodwa unokubeka iintlawulo emva kwakho.
- Ukuqwalasela iintlawulo zakho kuqala: Ungadinga ukwenza izigqibo ezinzima malunga nokuba zeziphi iimali-mboleko zokuyeka ukuhlawula kwaye ziziphi ezo zigcine zikhoyo. Ubulumko obuqhelekileyo uthi uqhubeke uhlawula imali yakho kwikhaya lakho kunye nemali-mboleko yemali, kwaye uyeke ukuhlawulela imali mboleko engakhuselekanga ukuba kufuneka, njengemali-mboleko yakho kunye namakhadi ekwereta. Ingqiqo kukuba awufuni ngokwenene ukuxoshwa okanye ukuba isithuthi sakho siphindwe. Ukulimala kwintengo yakho yesikweleti akufuneki, kodwa akuphazamisi ngokukhawuleza ubomi bakho ngendlela efanayo. Yenza uluhlu lweentlawulo zakho kwaye wenze ukhetho oluqinileyo malunga ngamnye, ugcine ukhuseleko kunye nempilo engqondweni njengoko ukhetha.
Imali-mboleko ye-Federal Student
Ukuba uboleke kwimfundo ephakamileyo usebenzisa iiprogram zemboleko zikaRhulumente, unamathuba angaphezulu okukhethwa kukho. Iimali ezixhaswa nguRhulumente wephondo zifumana iinzuzo ezithile ezingabonakali kwenye indawo.
- Ukukhankanywa: Ukuba unelungelo lokumiswa, ungayeka ukwenza iintlawulo ngexeshana. Oku kukunika ixesha lokubuyela kwienyawo zakho. Kwabanye ababolekayo, oku kukhetho ngexesha lokungabikho kwemisebenzi okanye ubunzima bezezimali.
- Ukuhlawula ngokusekelwe kwintlawulo: Ukuba awufaneleki ukuhlawulwa, unokukwazi ukwenza ubuncinci ukuhlawula iintlawulo zakho zenyanga. Iiprogram zokubuyiselwa kweentlawulo ezinokuxhaswa ngenzuzo zingabangela intlawulo efuneka ifikeleleke ngakumbi. Ukuba ingeniso yakho iphantsi kakhulu, uya kugqiba ngeentlawulo eziphantsi kakhulu ukufana.
Imali Yemivuzo
Imali-mboleko ye-Payday nayo iyingqayizivele, ikakhulu ngenxa yeendleko eziphezulu kakhulu. Le mboleko ingakuthumela ngokukhawuleza kwi-spiral, kwaye ekugqibeleni, ixesha liya kufika xa ungeke wenze iintlawulo zakho.
Ukuhlanganiswa kwemali-mboleko ye-payday enye yeyona ndlela enokukhetha ngayo ngaphandle kokuba ungabahlawula. Ungathengisa nantoni na ukugubha imali? Shift ityala kumthengi ongeyindleko - nokuba ukuhanjiswa kwekhadi lokuthenga ngetyala kungakugcina imali kwaye kuthenge ixesha. Khawugcine ingqalelo imali yokudlulisela imali kwaye ungayisebenzisi ikhadi ngaphandle kokuhlawula ityala elikhoyo.
Ukuba sele sele ubhalele isheke kwi-daydayer payday, kungenzeka ukuba uyeke ukuhlawula isheke. Nangona kunjalo, oku kungakhokelela kwiinkxwaleko zomthetho, kwaye uya kuhlawula imali. Thetha nommeli wendawo okanye umcebisi wezomthetho oqhelekileyo ngemithetho kwilizwe lakho phambi kokuba uyeke ukuhlawula. Nangona kukho ukhetho, kuya kufuneka uhlawule imali ephantsi kwebhanki yakho.
Amakhadi aMatyala
Ukuhlawula ikhefu kwikhadi lesikweletu kuyafuna ingqalelo ekhethekileyo. Ukuba kunokwenzeka, ubuncinane benze inkokhelo encinci, nangona ezinye zihlala zingcono. Xa uyeka ukwenza iintlawulo, umnikezeli wakho wekhadi lokuthenga ngetyala unokuphakamisa izinga lakho lesenzalo kwisantya esiphezulu sehlawulo. Oku kunokukwenza ukuba uhlaziye kwakhona iinjongo eziphambili kwiintlawulo zokudumka kunye nabokuzohlawula.
Fumana Uncedo
Unokucinga ukuba awukwazi ukufumana uncedo ukuba unenkathazo ngeentlawulo zemboleko. Kodwa awunjalo ngokwakho.
- Ukucebisa ngeengcebiso kunokunceda uqonde imeko yakho kwaye ufike ngezisombululo. Imbono yangaphandle ihlala isinceda, ngakumbi ukusuka kumntu osebenza nabathengi njengawe yonke imihla. Isibalulekileyo kukusebenza nomcebisi ohloniphekileyo ongazami ukukuthengisa into ethile. Kwiimeko ezininzi, ukunikwa iingcebiso kunikezelwa ngaphandle kweendleko kuwe. Ngokuxhomekeke kwimeko yakho, umcebisi wakho unokuphakamisa icebo lolawulo lwetyala okanye enye inxaxheba yesenzo. Qala uphando lwakho lomcebisi ngeSizwe soMcebisi ngeNgcebiso ngeMali (NFCC) kwaye ubuze malunga neemali kunye nefilosofi ngaphambi kokuba uvumelane nantoni na.
- Abameli be-Bankruptcy banokukunceda, kodwa musa ukumangaliswa xa bethetha ukufaka i-bankruptcy. Ukuchithwa kwezimali kunokusombulula iingxaki zakho, kodwa kunokukho iindlela ezingcono.
- Uncedo loluntu lufumaneka nakwiindawo ezininzi. Iinkonzo zengingqi, urhulumente wesigqeba kunye nabanye banceda abantu abafuna uncedo lokuhlawula iindleko. Ezi nkqubo zinokunika uncedo olwaneleyo lokukunceda uhlale phezu kweentlawulo zakho zemboleko kwaye ugweme amanyathelo amaninzi. Qala ukukhangela kwi-USA.gov kwaye ubuze amandla akho asekuhlaleni kunye nababoneleli ngefoni malunga neenkqubo ezikhoyo.
Ukuya phambili
Okwangoku sifunde ukulungiswa kwexesha elifutshane. Ekugqibeleni, udinga isicwangciso sexesha elide ukuhlala ngaphezulu kweebhili. Ubomi bunzima kakhulu xa ungekho ukukhupha loo mlilo, kwaye uya kufuna ukuxhasa iinjongo ezinkulu kunye ezingcono.
- Inkxaso engxamisekileyo: Kubalulekile ukuba ukongiwa ngongxamiseko. Ingaba kukho imali eyi-1 000 ukukhupha i- jam , okanye iindleko zokuhlala kweenyanga ezintathu, ukuba imali eyongezelelweyo iya kukukunceda ukuphepha iingxaki. Awudingi ukuthabatha ityala xa kukho into ephulekileyo, kwaye uya kuba nako ukuhlawula iindleko zakho ngaphandle kokuphazanyiswa. Umngeni ukwakhiwa kwele ngxowa-mali, leyo yinkcitho yokuchitha imali ngaphantsi koyiyo.
- Qonda iimali zakho: Uzakufuna ukuqonda ingeniso yakho kunye nokuchitha imali ukuze uphumelele. Bhala loo manani uze ulandele yonke ipenki oyisebenzisayo ubuncinane inyanga - ixesha elide lingcono. Ungakulibali ukufaka iindleko ozihlawula kuphela ngonyaka, ezifana nentlawulo yepropati okanye i-premium yomshuwalense. Awukwazi ukwenza izigqibo ezilungileyo uze wazi ukuba imali isetyenziswe njani. Unokufuneka ufumane ngaphezulu, uchithe ngaphantsi, okanye zombini. Ngenxa yeziphumo ezikhawulezayo , iindlela eziqhelekileyo zithatha umsebenzi owongezelelweyo, ukunciphisa imali kunye nokuthengisa izinto ongekho mfuneko. Ukuze ukhuthaze ixesha elide, sebenza kumsebenzi wakho kunye nemikhuba yokusebenzisa emva kokuba uthathe iinqununu ezikhawulezayo.