Ulisusa njani ityala lekhadi letyala

Amatyala ekhadi lokuthenga ngetyala anokubangela ukuhla okukhulu kwempahla yakho. Akumangalisi ukuba iibhanki ezininzi zibonelela ngamakhadi okuthenga ngetyala anenzala ephindwe kabini. Kwaye bafuna iintlawulo ngenyanga ezigubungela kuphela inxalenye yemali eseleyo. Ngale ndlela, banokufumana imali eninzi kwinzala ehlawulisiweyo. Akumangalisi ukuba abantu abaninzi bayasokola ukufumana indlela yokulahla ityala labo lekhadi letyala. Ngokwenene, I-47% yabantu baseMelika banetyala lekhadi lokuthenga ngetyala!

Endaweni yokuntywila ematyaleni kwaye ube noxinzelelo malunga nezezimali zakho, funda indlela yokulahla ityala lekhadi lokuthenga ngetyala kwaye ube namava okuba kunjani ukungabi natyala.

Amanyathelo asi-8 okuNcedisa ukuba Ulahle iTyala leKhadi leKhredithi

Ukuba ukukhululeka kwityala lekhadi lokuthenga ngetyala yenye yeenjongo zakho zemali, sebenzisa la manyathelo asi-8 ukukunceda ufikelele usukelo lwakho lokungabi natyala.

1. Yeka ukunyusa amatyala akho

Amakhadi okuthenga ngetyala anika into eyaziwa ngokuba yi «umgca ojikelezayo wetyala.«Inxalenye yekhredithi oyihlawulayo nyanga nganye isimahla ukuba isetyenziswe kwixesha elizayo lokuhlawula. Oku kunokukushiya kwixesha elingenasiphelo lokuthenga ngekhadi lakho letyala, emva koko wenze eyona ntlawulo incinci ekufuneka ihlawulwe, ilandelwe kukuchitha ngaphezulu kwetyala lakho eliseleyo elikhoyo.

Ngaba uyafuna ukwazi ukuba ungalisusa njani ityala lakho lekhadi letyala ngokulula? Yeka ukubiza izinto ezithengiweyo ezongezelelekileyo kwikhadi lakho kwaye ukhethe imali endaweni yoko. Ngale ndlela, nokuba wenza intlawulo encinci, ibhalansi yakho ayisayi kunyuka ngenxa yezavenge ezintsha.

2. Yenza uhlahlo lwabiwo-mali lweendleko zakho

Emva kokuba wenze isibophelelo sokuthenga kuphela xa unemali esandleni, uhlahlo lwabiwo-mali linyathelo elilandelayo lokuqonda indlela yokuphuma kwityala lekhadi lokuthenga ngetyala. Yenza isicwangciso senkcitho nyanga nganye esingathatheli ingqalelo kuphela ukonga kwakho, amatyala kunye neentlawulo zamatyala, kodwa nazo naziphi na ezinye iindleko, ezifana nohambo olungacwangciswanga oluya kwi-Goal. Musa ukwandisa ityala lakho lekhadi letyala ngenxa yezi zinto.

Esi sicwangciso senkcitho siya kukunceda ube nokuqonda ngakumbi malunga nezinto ozithengileyo. Ikwasebenza njengesalathiso sokuthelekisa oko ubulindele ukukuchitha kunye noko ukuchithileyo. Cinga ngokujonga iindleko zakho ezicwangcisiweyo ngokuchasene neendleko zakho kanye ngeveki. Oku kuya kunceda ukuthatha umsebenzi wokuqagela ekwenzeni uhlengahlengiso ukuze uhlale usendleleni. Ngale ndlela uya kuba nakho ukukuphepha ukungena ematyaleni amaninzi ngamakhadi okuthenga ngetyala.

3. Qokelela umqamelo wemali

Ukunqongophala kwemali ngexesha likaxakeka okanye umnyinyiva wemali wokuhlawula iindleko zonyango ezingalindelekanga kunokuba negalelo kwityala lekhadi lokuthenga ngetyala. Yiyo loo nto kubalulekile ukwenza umqamelo wemali ukunqanda ukungena kwamatyala amatsha xa kuvela ezi meko. Qala ngokwenza i-akhawunti eyahlukileyo yengxowa-mali engxamisekileyo ubuncinane ye-1.000 yeedola, kunye nokugcinwa kwemali yokulungiswa kwezithuthi kunye nezinye iindleko zokutshintsha.

Ukuba akuqinisekanga ukuba yimalini na oyidingayo ukuyigcina kwindawo engaphandle kwengxowa-mali kaxakeka, jonga kwiindleko zakho zokugqibela ezilishumi elinesibini. Chonga isixa sisonke seendleko ebezingalindelekanga ozibize ngetyala. Sebenzisa le mali njengenjongo yakho yokuqala yokugcina imali.

4. Yandisa ukuhamba kwakho kwemali ukuze ufake ngakumbi ematyaleni

Ukungahambelani nokuhamba kwemali yakho, leyo yimali engena kwaye iphuma kwiiakhawunti zakho, yindlela eqinisekileyo yokukrazula ityala lekhadi letyala xa imali yakho iqinile.

Zibekele bucala ixesha lokufumana indlela yokwandisa ukuhamba kwakho kwemali. Fumana indlela onokulunciphisa ngayo uhlahlo lwabiwo-mali kwaye wenze imali eninzi kakhulu. Cinga ngokuqala ishishini elisecaleni ukuze ufumane imali eninzi kwaye ukwazi ukuhlawula amatyala akho. Ngokunyuka kokuhamba kwemali, unokunciphisa ukuthembela kwakho kumakhadi okuthenga ngetyala kwaye usebenzise imali ekhululiwe ukuhlawula ityala lakho lekhadi letyala.

5. Yenza isicwangciso sokuhlawula amatyala

Uya kugqiba ukuhlawula ityala lakho lekhadi letyala ngokwenza ubuncinci beentlawulo kulo. Ukuba awuzongezi ezinye iintlawulo kwaye nenzala yakho ihleli ilungisiwe, kodwa kubalulekile ukwenza eyakho indlela yokuhlawula amatyala. Ukwenza isicwangciso sakho setyala kuya kukunceda uphume ematyaleni ngokukhawuleza okukhulu.

Qala ngokubona ibhalansi onayo, inzala yonyaka kunye nentlawulo encinci yenyanga ekufuneka uyenzile kwikhadi lakho ngalinye letyala. Emva koko nika ireyithi yemali yetyala ngalinye kuwe ngenyanga nganye. Usebenzisa olu lwazi, beka phambili ityala lakho lekhadi lokuthenga ngetyala kwaye wenze isicwangciso sokulihlawula.

Isicwangciso esinye sokuzikhulula kwityala lekhadi letyala kukusebenzisa indlela ye-snowball yetyala. Le nkqubo ibangela ukuba uhlawule ikhadi ngebhalansi ephantsi kuqala. Emva kokuba elo khadi lihlawulwe, usebenzisa loo ntlawulo kwibhalansi elandelayo, njalo njalo.

Unokusebenzisa inkqubo ye-avalanche yetyala, apho uhlawula ikhadi ngeqondo eliphezulu lenzala kuqala. Emva koko uhlawula ireyithi ephezulu elandelayo de zonke zihlawulwe ngokupheleleyo. Ukwenza isicwangciso sokuhlawula amatyala yindlela yokuzikhulula ngempumelelo kwityala lekhadi letyala.

6. Lungiselela iintlawulo zakho

Ukuseta iintlawulo ezizenzekelayo kunokukunceda kuhambo lwakho lokungabi namatyala. Nangona kunjalo, kubalulekile ukuba uhlawule kakhulu kunobuncinci. Yenza isicwangciso sokuhlawula amatyala akho, kwaye emva koko wenze ibhajethi yeentlawulo zakho ukuze zigqithiselwe ngokuzenzekelayo kweso sixa.

Ngokomzekelo, masithi une-$ 200 ngaphezulu ngenyanga ukuhlawula ityala lakho. Misela intlawulo ezenzekelayo ye-200 yeedola ngenyanga ukuze unciphise ngokukhawuleza ibhalansi yakho. Ukwenza iintlawulo zakho ngokuzenzekelayo kuya kukuthintela ekuhlawuleni ityala lakho emva kwexesha kwaye kuya kukugcina endleleni yokungabi namatyala

7. Hlanganisa ityala lakho nge-0% yekhadi letyala

Ngokuxhomekeke kumanqaku akho okuthenga ngetyala kunye nesixa setyala onalo, unokucinga ngokuhambisa ibhalansi yekhadi lakho letyala kwikhadi elinenzala eyi-0%. Nangona kunjalo, lumka xa uqhubeka le ndlela, njengoko kuya kufuneka uhlawule ibhalansi yakho ngaphambi kokuba isantya sokuthengisa siphelelwe. Ngaphandle koko, i-quota inokunyuka kwaye uya kugqiba ukuhlawula inzala ebiza kakhulu malunga namatyala akho. Ngoko ke, ukuba unikezelo lwe-0% lwe-APR lusebenza iinyanga ezili-18, kufuneka ucinge ukuba ungakwazi na ukuyibuyisela ngelo xesha.

Kwakhona, ukuba udlulisela ibhalansi yakho, zibophelele ekubeni ungalisebenzisi ikhadi elikhoyo (okanye ulivale!). Into yokugqibela oyifunayo kukuba ube nelinye ikhadi letyala elileleyo ukuze likuhende ekuthengeni.

8. Guqula imikhwa yakho yokwenza imali

Ukuze ekugqibeleni uzikhulule kwityala lekhadi letyala, kufuneka utshintshe imikhwa yakho yemali. Imikhwa emibi yemali ayilunganga kwimali yakho kwaye ngoyena nobangela weendleko ezigqithisileyo. Amakhadi okuthenga ngetyala anokuba zizixhobo ezifanelekileyo zemali ukuba asetyenziswa ngenkathalo. Nangona kunjalo, ukuba uzifumana uthenga xa ungaxakekanga okanye ulayisha ikhadi lakho letyala ukuze uchukumise abahlobo bakho, lixesha lokuba uyeke loo mikhwa mibi uqale ngelungileyo. Ukutshintsha imikhwa yakho yezemali kuya kukunceda wonge imali eninzi, uhlawule amatyala, kwaye uphumelele imali.

Ungalisusa ityala lakho lekhadi letyala

Ukulahla ityala lakho lekhadi lokuthenga ngetyala kusenokubonakala ngathi yintaba ephakame kakhulu ukuba unganyuka, kodwa ngokuthabatha la manyathelo, unokuphuma kuyo. Ungavumeli iimpazamo zakho zangaphambili zikubambezele! Ungawalungisa amatyala akho kwaye uphile ubomi bakho obungcono bokungabi namatyala. Funda ngakumbi malunga nokutshabalalisa amatyala akho, ukonyusa i-equity yakho, kwaye wonge imali eninzi ngezifundo zethu zezimali zasimahla kunye namaphepha okusebenzela.