Xa ungenzi imali eyaneleyo yokuxhasa indlela yakho yokuphila, unokwenza umehluko ngokusebenzisa amakhadi akho ekwereta. Kodwa, unokwenza oku kuphela ixesha elide ngaphambi kokuba yonke i- credit yakho itholakale . Akuthathi ixesha elide ukukhupha zonke iikhadi lakho lekredithi, kwanabo abaneemida eziphezulu.
Ngethuba elithile, unako ukuqhubeka nokuxhaswa ngengeniso yakho ngokufumana enye ikhadi lekhredithi, kodwa ekugqibeleni, abakhupheli bekhadi lokuthenga ngetyala baya kuqala ukukhanyela izicelo zakho zekhadi lesikweletu ngenxa yezilinganiso zakho zekhadi lesikweletu.
Ngelishwa, ukuba uthe waqhekeka kwaye amakhadi enkonzo-mboleko uye wagcina uhlala kwiinyanga ezimbalwa ezedlule, ubunzima abuqali ukuchaza imeko yakho. Nazi ezinye iindlela zokufumana iimali zakho emva kwendlela.
Musa ukuzama ukufumana ukunyuka kweMatyala
Umlinganiselo omkhulu wokuthenga ngetyala ungakunika ukuphefumula okwethutyana, okokuba ukuba umnikeli wakho wekhadi lesikweletu uyayivuma isicelo sakho, kodwa okwethutyana ligama eliphambili. Uzithengela ngokwakho ixesha elincinane ngaphambi kokuba ubhekane netyala oye laqhawula ngalo. Yaye ukuba uthe waxoxela amanye amatyala ngaphezu kwaloo nto, kuya kuba kubi kakhulu. Ixesha lokuyeka ukusebenzisa amakhadi enkredithi kwaye ufumane indlela engapheliyo yokusinda - enye engabandakanyi ukudala amatyala amaninzi.
Ungafaki isicelo seNye yeMoto
Amathuba kukuba, mhlawumbi uya kukhanyela enye ikhadi lekhredithi. Kodwa nje ukuba kukho umbolekisi ngaphandle apho ozimisele ukunika ikhredithi ethe xaxa-mhlawumbi kwisantya esinqabileyo-inzala-ayivuli nawaphi na amakhadi ekwereta.
Amakhadi akho okwangoku sele exutywe ngaphandle, kwaye uyaqhekeka. Enye ikhadi lekhredithi, enye inkokhelo yekhadi yesikweletu, iya kwenza kube nzima ukufumana zonke iindleko zakho zenyanga.
Musa Ukuboleka Imali Eminye Imithombo
Oku kuquka iimali-mboleko zeminikelo, iimali-mboleko zetayitile, iimali-mboleko zentengo kunye ne-401 (k) mboleko. Ukuboleka imali ethe xaxa ukulungiswa ngokukhawuleza kwimeko yakho ukuba unokubiza ngokuba yilungiso.
Ukuboleka xa sele usesikweretheni kwaye uqhekeke kwenza imeko ibe yimbi. Xa uboleke kakhulu, ngaphezulu kufuneka uhlawule. Melana nesibongo sokuboleka imali ukuze ugcine inqanaba lakho lokuchitha imali. Endaweni yoko, ziphoqe ukuba uphile kwimali yakho engenayo, wenze nayiphi na imibingelelo efunekayo ukuze usebenzise imali yakho.
Hlala ngoku kwiiNtlawulo zakho
Nangona oko kuthetha ukuhlawula kuphela ubuncinane. Ukuba ufumana emva kweentlawulo zakho, kwinyanga enye nje, iinyanga okanye iminyaka ngaphambi kokuba uphinde ubanjwe. Inkokhelo enye engabikhoyo ingaba yimiba emibini, ibe zintathu kwaye ezinyangeni ezimbalwa nje, ii-akhawunti zakho ziya kuhlawuliswa kunye nokuqokelela. Okwangoku, i-credit yakho iya kuba neyona monakalo enkulu enokuthatha ixesha elide ukulungisa . Kungathatha umsebenzi onzima kunye nokunikela, kodwa ukuhlala ngoku kwiintlawulo zakho kubalulekile ukuhlala.
Yenza uhlahlo lwabiwo-mali
Ngenxa yokuba zonke iikhadi lakho leentengo zemali-mboleko zixutywe, kukho ithuba elihle ukuba awuzange uphile ngokwemali-mali. Ngoku lixesha elifanelekileyo lokudala enye. Yona yindlela kuphela yokubuyela kumzila. Akufuneki kube nzima. Yenza nje uludwe lweendleko zakho zenyanga, uze uqhathanise umyinge wakho ngeniso yenyanga uze ubone ukuba unayo imali eyaneleyo yokuza kufikelela zonke izinto eziyimfuneko.
Eyona imeko ihle kakhulu, iindleko zakho ziwela phantsi kwe-engenayo yakho kwaye uza kuba nemali eseleyo ukunyamekela i-balance balance card. Nangona kunjalo, kukho ithuba elifanelekileyo lokwenene, kwaye kuya kufuneka uthathe amanyathelo angaphezulu ukuze uphile ngeendlela zakho . Zama ulandelelwano lwenkcitho yakho xa unenkathazo yokunamathela kwibhajethi yakho.
Nciphisa imali ethe xaxa
Inyaniso enobungqina kukuba awukwazi ukufumana imali ethe xaxa ngoku. Unetyala kwaye awunayo imali eyongezelelweyo. Ukunciphisa iindleko zakho kuza kukunceda. Ukuba unqumla imali eyongezelelweyo, uya kuba nexesha elilula ukuhlala kwimali yakho engenayo, wena (uthemba) akuyi kufuneka ukuthembela kwi-credit, ungayifaka imali eninzi kwi-matyala akho, kwaye unokukwazi ukubeka imali lo ndolozo. Ukuba uzibuza into ongayinqumla, qwa lasela i-intanethi, intanethi, ubulungu be-gym (xa ungeke ufumane inkokhelo yokupheliswa kwekhontrakthi), umsakazo we-satellite okanye ezinye iinkonzo zee-intanethi zee-intanethi, ukubhaliswa kwemagazini, ukuhamba okungadingekile, ukugcina indlu, okanye ukubiza imikhwa.
Unokunciphisa nokusetyenziswa kombane kunye nokusetyenziswa kwamanzi, kwaye unciphise ukutya kunye nokutya ukuze unciphise imali yakho.
Zama ukwandisa iNgeniso yakho
Ingeniso yenyanga eyongezelelweyo iya kunceda kakhulu, yenza kube lula ukuhlawula iindleko zakho kodwa kwakhona ekukuncedeni ukunciphisa ingeniso yakho. Zama ukuzisa imali ethe xaxa ngokusebenza ixesha elide, ukufumana umsebenzi wesikhathi senkxaso, ukubonelela ngeenkonzo ngeenxa zonke, ukwenza imali kwi-hobby, ukuthengiswa kweyadi, okanye ukuthengisa izinto ezithile kwi-eBay okanye kwi-Craiglist. Qaphela ukuba ungayisebenzisi imali eyongezelelweyo njengesizathu sokugcina uchitha imali ngokugqithiseleyo. Ukuba uya kusebenza kanzima ukwenza imali engakumbi, yibeke kwinto eya kuhlawula ngokukhawuleza.
Bhatala xa ufuna
Ukunciphisa izilinganiso zekhadi lakho lesikweletu , kuya kufuneka uthumele ngaphezulu kweyona ntlawulo encinci. Xa imali iqinile, oku akunakwenzeka njalo. Kodwa, ngokuphindaphindiweyo xa ufumana ithuba, yifake imali eyongezelelweyo kwenye yamakhadi wakho ekwereta uze uhlawule ibhalansi. Xa uhlawule loo khadi lekhredithi, yenza okufanayo omnye nomnye de kube zonke iibhalansi zekhadi lakho lesikweletu zihlawulwa.