Ungasikhipha kanjani isikweletu sekhadi lesikweletu

Isikweletu samakhadi esikweletu singayiqeda kakhulu imali oyilondolozile. Akumangalisi ukuthi amabhange amaningi anikeza amakhadi esikweletu anezinga lenzalo eliphindwe kabili. Futhi adinga izinkokhelo zanyanga zonke ezimboza ingxenye esele kuphela. Ngale ndlela, angathola imali eningi ngezindleko zenzalo. Akumangazi ukuthi abantu abaningi balangazelela ukuthola izindlela zokuphuma esikweletini samakhadi esikweletu. Eqinisweni, ama-47% abantu baseMelika banezikweletu zamakhadi esikweletu!

Esikhundleni sokucwila ezikweletini futhi ucindezeleke ngezimali zakho, funda ukuthi ungasisusa kanjani isikweletu sekhadi lesikweletu futhi uzwe ukuthi kunjani ukungabi nezikweletu.

Izinyathelo Eziyisi-8 Zokukusiza Ulahle Isikweletu Sekhadi Lesikweletu

Uma ukukhululeka esikweletini sekhadi lesikweletu kungenye yemigomo yakho yezezimali, sebenzisa lezi zinyathelo ezingu-8 ukuze zikusize ufinyelele emgomweni wakho wokungabi nesikweletu.

1. Yeka ukwandisa isikweletu sakho

Amakhadi esikweletu anikeza lokho okwaziwa ngokuthi " umugqa wesikweletu ojikelezayo. " Ingxenye yesikweletu osikhokhela inyanga ngayinye iyatholakala ukuze isetshenziswe esikhathini esilandelayo sokukhokha. Lokhu kungakushiya emjikelezweni ongapheli wokuthenga ngekhadi lakho lesikweletu, bese wenza inkokhelo encane okufanele ikhokhwe, kulandelwe ukusebenzisa imali eningi kakhulu kunesikweletu esisele esitholakalayo.

Uyafuna ukwazi ukuthi ungasisusa kanjani kalula isikweletu sakho sekhadi lesikweletu? Yeka ukukhokhisa ukuthenga okwengeziwe ekhadini lakho bese ukhetha ukheshi esikhundleni salokho. Ngale ndlela, ngisho noma wenza izinkokhelo ezincane, ibhalansi yakho ngeke inyuke ngenxa yezitolimende ezintsha.

2. Dala ibhajethi yezindleko zakho

Uma usuzibophezele ekuthengeni kuphela uma unemali esandleni, ukwenza ibhajethi kuyisinyathelo esilandelayo sokuqonda ukuthi ungaphuma kanjani esikweletini sekhadi lesikweletu. Yenza uhlelo lokusebenzisa imali inyanga ngayinye olunganaki nje kuphela ukonga kwakho, izikweletu kanye nokukhokha izikweletu, kodwa nanoma yiziphi ezinye izindleko, njengohambo olungahleliwe oluya ku-Goal. Ungasikhulisi isikweletu sakho sekhadi lesikweletu ngenxa yalezi zinto.

Lolu hlelo lokusebenzisa imali luzokusiza ukuthi uqaphele kakhulu ngokuthenga kwakho. Kuzosebenza futhi njengereferensi yokuqhathanisa lokho obulindele ukukusebenzisa nalokho okuchithile ngempela. Cabangela ukuhlola izindleko zakho ozihlelile uqhathanisa nezindleko zakho zangempela okungenani kanye ngesonto. Lokhu kuzosiza ukukhipha ukuqagela ekwenzeni izinguquko ukuze uhlale usendleleni. Ngale ndlela uzokwazi ukugwema ukungena ezikweletini eziningi ngamakhadi esikweletu.

3. Qoqa umcamelo wemali

Ukuntuleka kokulondoloza imali ezimweni eziphuthumayo noma umxhaso wezezimali wokukhokhela izindleko zezokwelapha ezingalindelekile kungaba nomthelela esikweletini sekhadi lesikweletu. Kungakho kubalulekile ukwakha umcamelo wemali ukuze ugweme ukungena ezikweletini ezintsha uma kuvela lezi zimo. Qala ngokudala i-akhawunti ehlukile yesikhwama sezimo eziphuthumayo okungenani engu-$1.000, kanye nemali egciniwe yokulungisa izimoto nezinye izindleko ezishintshayo.

Uma ungaqiniseki ukuthi yimalini oyidingayo ukuze ulondoloze imali ebekiwe ngaphandle kwesikhwama sakho sezimo eziphuthumayo, bheka izindleko zakho zokugcina eziyishumi nambili. Khomba inani eliphelele lezindleko ezingalindelekile ozikhokhise ngesikweletu. Sebenzisa leli nani njengomgomo wakho wokuqala wokulondoloza imali.

4. Khulisa ukuhamba kwakho kwemali ukuze ufake kakhulu ezikweletini

Ukungahambelani nokugeleza kwemali yakho, okuyinani lemali engena iphinde iphume kuma-akhawunti akho, kuyindlela eqinisekile yokuqoqa izikweletu zekhadi lesikweletu uma imali yakho iqinile.

Zibekele eceleni isikhathi esithile ukuze uthole ukuthi ungayandisa kanjani imali yakho. Thola ukuthi ungayinciphisa kanjani isabelomali sakho futhi udale imali eyengeziwe. Cabangela ukuqala ibhizinisi eseceleni ukuze uthole imali eningi futhi ukwazi ukukhokha izikweletu zakho. Ngokukhuphuka kwemali engenayo, unganciphisa ukuthembela kwakho kumakhadi esikweletu futhi usebenzise imali ekhululiwe ukuze ukhokhe isikweletu sakho sekhadi lesikweletu.

5. Yenza uhlelo lokukhokha isikweletu

Uzogcina ukhokhe isikweletu sakho sekhadi lesikweletu ngokwenza izinkokhelo ezincane kuso. Inqobo nje uma ungangezi ezinye izinkokhiso futhi izinga lakho lenzalo lihlala linjalo, kodwa kubalulekile ukwakha isu lakho lokukhokha izikweletu. Ukwakha isu lakho lesikweletu kuzokusiza ukuthi uphume esikweletini ngokushesha okukhulu.

Qala ngokubona ibhalansi onayo, izinga lenzalo lonyaka kanye nenani elincane lenkokhelo yanyanga zonke okufanele uyenze ekhadini ngalinye lesikweletu lakho. Bese ukala ukuthi isikweletu ngasinye sikubiza malini njalo ngenyanga. Usebenzisa lolu lwazi, beka phambili isikweletu sakho sekhadi lesikweletu futhi wenze uhlelo lokusikhokha.

Uhlelo olulodwa lokuzikhulula esikweletini sekhadi lesikweletu ukusebenzisa indlela ye-snowball yesikweletu. Le nqubo ikwenza ukuthi ukhokhe kuqala ikhadi ngebhalansi ephansi kakhulu. Uma lelo khadi selikhokhiwe, leyo nkokhelo usebenzisa ibhalansi elandelayo, njalo njalo.

Ungasebenzisa futhi inqubo ye-avalanche yezikweletu, lapho ukhokha khona ikhadi elinenzalo ephezulu kakhulu kuqala. Bese ukhokha inani eliphezulu elilandelayo kuze kube yilapho zonke sezikhokhelwe ngokugcwele. Ukwakha uhlelo lokukhokha isikweletu kuyindlela yokuzikhulula ngempumelelo esikweletini sekhadi lesikweletu.

6. Yenza izinkokhelo zakho ngokuzenzakalelayo

Ukusetha izinkokhelo ezizenzakalelayo kungakusiza ohambweni lwakho lokungabi nazikweletu. Kodwa-ke, kubalulekile ukuthi ukhokhe kakhulu kunemali encane. Yenza uhlelo lwakho lokukhokha izikweletu, bese ubhajetha izinkokhelo zakho ukuze zidluliselwe ngokuzenzekelayo kulelo nani.

Ngokwesibonelo, ake sithi uno-$200 ngaphezulu ngenyanga ukuze ukhokhe isikweletu sakho. Setha inkokhelo ezenzekelayo engu-$200 njalo ngenyanga ukuze wehlise ngokushesha ibhalansi yakho. Ukwenza izinkokhelo zakho ngokuzenzekelayo kuzokuvimbela ekukhokheni isikweletu sakho sekwephuzile futhi kuzokugcina usendleleni yokungabi nazikweletu

7. Hlanganisa isikweletu sakho ngekhadi lesikweletu elingu-0%.

Kuye ngesilinganiso sakho sesikweletu kanye nenani lesikweletu onaso, ungase ucabangele ukudlulisela ibhalansi yekhadi lakho lesikweletu ekhadini lenzalo elingu-0%. Kodwa-ke, qaphela uma wenza lokhu, njengoba kuzodingeka ukhokhe ibhalansi yakho ngaphambi kokuba izinga lokukhushulwa liphelelwe yisikhathi. Ngaphandle kwalokho, inkokhelo yakho yanyanga zonke ingakhuphuka kakhulu, futhi uzogcina ukhokhe inzalo enkulu esikweletini sakho. Ngakho-ke, uma isiphakamiso se-0% APR sisebenza izinyanga ezingu-18, kufanele ucabangele ukuthi ungakwazi yini ukusikhokhela ngaphakathi kwaleso sikhathi.

Futhi, uma udlulisela ibhalansi yakho, zibophezele ekungalisebenzisini ikhadi elikhona (noma ukulivala!). Into yokugcina oyifunayo ukuthi ube nelinye ikhadi lesikweletu elilele ukuze likuyenge ekuthengeni.

8. Shintsha indlela ophatha ngayo imali

Ukuze ekugcineni uzikhulule esikweletini sekhadi lesikweletu, udinga ukushintsha imikhuba yakho yokwenza imali. Imikhuba emibi yemali mibi emalini yakho futhi iyimbangela eyinhloko yezindleko ezeqile. Amakhadi esikweletu angaba amathuluzi amahle ezezimali uma esetshenziswa ngendlela efanele. Nokho, uma uzithola uthenga lapho ungekho matasa noma ulayisha ikhadi lakho lesikweletu ukuze uhlabe umxhwele abangani bakho, sekuyisikhathi sokuyeka leyo mikhuba emibi futhi uqale ngemihle. Ukushintsha imikhuba yakho yezezimali kuzokusiza wonge imali eningi, ukhokhe izikweletu, futhi uzuze impumelelo yezezimali.

Ungakwazi ukuqeda isikweletu sakho sekhadi lesikweletu

Ukuqeda isikweletu sakho sekhadi lokuthenga ngesikweletu kungase kubonakale njengentaba ephakeme kakhulu ukuba ungayikhuphuka, kodwa ngokuthatha lezi zinyathelo, ungaphuma kukho. Ungavumeli amaphutha akho esikhathi esidlule akubambezele! Ungakwazi ukubhekana nezikweletu zakho futhi uphile impilo engcono kakhulu engenazo izikweletu. Funda kabanzi mayelana nendlela yokucekela phansi isikweletu sakho, ukhuphule ukulingana kwakho, futhi wonge imali eyengeziwe ngezifundo zethu zezezimali zamahhala kanye namakhasi okusebenza.