Nokubhala Financial: nendlela yokuzifumana ematyaleni-mboleko?

Kuyenzeka ukuba ukufumaneka yeemveliso zemboleko yekhredithi kudlala a joke okhohlakeleyo kunye nabantu abangakwaziyo ukuchitha imali kunye nesicwangciso iindleko. Imiphumela - ityala, imbali ngetyala, ubudlelwane luvo kunye mbuzo: "Indlela balahle ematyaleni?" Noko ke, ngenxa yokuba yonke imeko kukho indlela. Makhe sijonge iinkqubo ngokugqithileyo ematyaleni emboleko.

Okokuqala, yenza uluhlu iimbopheleleko zabo; kubani, njani kwaye nini ukuba abuye. Le nto "zizonke" Kusenokwenzeka ukuba kumangaliswa, kodwa inyathelo lokuqala kuye kwahlolwa.

Indlela ukuba balahle netyala, ukuba lukhulu kubo? Qala ngobulumko ukuhlawula amatyala. Ukuba a lot of mboleko, indawo yokuqala ukuhlawula kunye 'eqolo "(lowo kunye elinemalinzalo ephezulu) kakhulu.

Oku akuthethi ukuba ukuthintela delinquencies ezishiyekileyo ngeli xesha credit cards zexabiso eliphantsi, unako ukuhlawula intlawulo ubuncinane.

Ukuba unekhadi lokuthenga ngetyala ngomdla ephantsi, ihlawulwa ngaphandle ngoncedo amatyala kwenzala aphezulu.

Xa ukucima mboleko kakhulu eninzi, qala ukucima amatyala ubuninzi omnye "ezincinane". Uya kubona ukuba inani mboleko unciphisa, leyo ifutha ngokwakhayo mood ukuzuza kwezinye iimbopheleleko.

Ukuba kunokwenzeka, zama ukuhlawula ngaphezu isixa sentlawulo lincinane kakhulu credit cards, kuba inzala ebizwayo phezu kwabo yonke imihla. Akukho mfuneko olule intlawulo lwentlawulo ikhadi lekhredithi mncinane, ngenxa yokuba aqukiwe ngokupheleleyo iikhomishini kunye nenzala. Komsebenzi iphambili iimali zentlawulo ubuncinane yenyanga ukuba inxalenye encinane, nto leyo ukusetyenziswa elide imali kwaye kwandisa obolekayo egqithisileyo.

Xa ubona ukuba akukho delinquencies abakwazi ukwenza, ukubeka ibhanki midlalo. Imizamo hide shwaka abusebenzi njengoko ndahlukane kwamatyala kuya kufuneka kwaye akukho mntu wumbi kuphela. Namhlanje, iibhanki emininzi ukuhlangabezana umboleki, ukuba isilumkiso kwangaphambili le meko yaye ukwala ukuhlawula amatyala abo. Le nto ibizwa ngokuba ngokutsha kwetyala - nto leyo ecutha umthamo iintlawulo zenyanga ngokwandisa ixesha mboleko kunye nezinga lenzala.

Impendulo elandelayo kumbuzo of nendlela yokuzifumana ematyaleni - ukubeka ukuze lwabiwo mali lwakho. Eyona Umgaqo yokulawula imali zobuqu - iindleko eziphantsi, ingeniso engakumbi.

Kuqala kwinto zonke, ukuqala ukurekhoda iindleko zakho. Yenza Iprogram ye-Excel spreadsheet kunye yonke imihla yenza yonke imali engange echithwe ngokwahlula iindleko yeqela (umzekelo, "ukutya", "iimpahla", "Entertainment", "abantwana", "zonxibelelwano mobile", "izixhobo", "irente", njalo njalo) . Kwiintsuku ezimbalwa emva kokuqalisa ndiqhuba idayari mali iya kuba nomnqweno Musa ukuchitha kakhulu. Bala amagqabi amaninzi njani imali ngenyanga nganye ngento nganye, yaye yintoni na isabelo yalo inkcitho zizonke. Khawucinge ukuba kwakunokwenzeka ukunciphisa kubo, ukuchonga umda kunokongiwa.

Ziphephe ukuthenga ngengozi okanye ezingacwangciswanga. Cinga nje ezimbalwa iiveki, ukuvumela iimvakalelo ukuhlala phantsi. Ukuba wenze isigqibo, loo nto nangoku kuyimfuneko, ukuthelekisa amaxabiso, funda ncomo kunye kuthenga.

Nokulahla ematyaleni? Phila ngokwemali bakho, chitha ngaphantsi uyamkelayo. Buyisela unikezelo pizza yaze yaqengqelekela kwi isidlo ekhaya-okuphekiweyo, umrhumo iklabhu qethe - ejimini okanye njengomtyibilizi, ukuya club - ukulala ebusuku. Phosa ukusela nokutshaya - kwaye songe amayeza.

Yandisa umvuzo wakho: Fumana umsebenzi okanye inxalenye okwesibini, umsebenzi yangoku wenziwe imisebenzi yakhe ukwenzela ukuba wamvusa umvuzo, siqonde iiprojekthi ezintsonkothileyo, ibe iyasebenza nzima.

Ukuthengisa izinto ezingafunekiyo okanye engeyomfuneko.

Emva kokwenza ibhanki ityala engange yokugqibela kuyo nayiphi na imeko ningabi uthathe mboleko, ngoko ndahlukane amatyala - kuba elide yaye kunzima, kunye novuyo yokufumaneka kuthatha ngaphantsi kwe ishedyuli sentlawulo.

Ewe, credits zifuneka. Kuba ukuthenga ezinkulu kungakongela ukuya kufikelela ebudaleni, yaye ndifuna ukuhlala ngasekunene ngoku. Le mali kuvunyiwe ukuba ijolise ekuphuculeni ixesha elide imeko yemali okanye ukuthenga izixhobo ebalulekileyo. Umzekelo, iintlawulo zokubambisa endaweni kwerente ngenyanga kunye mboleko imoto umsebenzi kunye nokuthuthwa usapho yonke imihla.