Ungasithuthukisa Kanjani Isikweletu Sakho Ngokushesha
Isici esikhulu esibe nomthelela ekuthuthukiseni amaphuzu wami wesikweletu ezinsukwini ezingama-30 kuphela ukwehla kwenkomba yami ye ukusetshenziswa kwezikweletu . Nginciphise ukusetshenziswa kwami nge-19%!
Ngikwenze ngezindlela ezimbili: okokuqala, bengikhokha ngaphezu kwenani eliphansi ebelikweleta amakhadi wami esikweletu (engikwenzayo noma kunjalo, kepha ngithuthuke kancane kunokujwayelekile, cishe ama- $ 25 ngaphezulu kokudingekayo) . Okulandelayo, ngasikhathi sinye ngakhuphula isikweletu sami engisitholile ngesigamu kwenye yama-akhawunti wami wekhadi lesikweletu ngokwamukela umugqa wokunikezwa kokunyuka kwesikweletu ku-akhawunti yami. Ngingaphakamisa impela ukuthi wonke umuntu athathe umugqa wakho ovelele wokukhuphula isikweletu, uma ukhona, hlakanipha ngokwanele ukuthi ungayisebenzisi!
Kuphakanyiswa ukuthi ufake isicelo sokwenyuswa komugqa wesikweletu kanye ezinyangeni eziyi-6-12. Kungani? Kuyasiza ngesilinganiso sakho sokusetshenziswa kwekhredithi, okusiza amaphuzu akho esikweletu. Isilinganiso sokusetshenziswa kwesikweletu yinani lesikweletu osilihlukanise ngenani eliphelele lesikweletu odluliselwe lona. Ngena ku-akhawunti yakho yekhadi lesikweletu online ukuze ubone ukuthi kukhona yini isicelo semikhawulo yesikweletu esikulindile, noma ushayele inombolo engemuva kwekhadi lakho ukuze ufunde kabanzi mayelana nezinketho zakho.
Izinga lokusetshenziswa eliphakanyisiwe lingama-30% noma ngaphansi ku-akhawunti ngayinye nakuwo wonke ama-akhawunti ahlanganisiwe.
Enye into ebambe iqhaza enkulu umlando wami omuhle wokukhokha ngesikhathi. Ngokuya ngeKarma Credit, nginerekhodi elingu-100% lokukhokha okungaguquguquki futhi okufika ngesikhathi. Ngikwazi ukungalokothi ngiphuthelwe inkokhelo ngokugcina ikhalenda yami yebhili yomuntu siqu, engitshela ukuthi zonke izikweletu zami zifanele nini. Ngize ngabeka izikhumbuzo kusasele isonto ukwenza indawo yamaphutha.
Kungasiza kakhulu ukuhlela ngokuzenzakalela izinkokhelo ekuqaleni kwenyanga kuwo wonke ama-akhawunti akho avumela leyo ndlela ukuze ungakhathazeki ngayo inyanga yonke. Uma umholo wakho uzinzile ngokwanele futhi i-akhawunti yakho inganyakazi nhlobo, ngingahle ngiphakamise ukuthi uhlele ukukhokhelwa okuzenzakalelayo kwemali ekhokhwayo evela njalo ngenyanga.
Ungawenyusa kanjani amaphuzu akho esikweletu ngamaphuzu ayi-100
Phikisa imininingwane engemihle embikweni wakho wesikweletu
Uma inani lakho lesikweletu lehle ngaphezu kwamaphuzu ayi-100 ngenxa yokwengezwa kwamarekhodi athile amabi kumbiko wakho wesikweletu, kulinganiselwa ukuthi ukususa lolo lwazi kungaholela ekukhuleni kwamaphuzu angaphezu kwekhulu. Ama-credit bureaux azosusa imininingwane ephikisanayo okhombisa ukuthi ayinembile noma umhlinzeki wedatha akakwazi ukuyiqinisekisa.
Linda amarekhodi amabi anyamalale kumbiko wakho wesikweletu
Imininingwane emibikweni yakho yesikweletu ayihlali lapho unomphela. Amarekhodi amabi abe mdala kakhulu ukuthi angafakwa ngemuva kweminyaka engu-7 kuya kwengu-10. Ngakho-ke abantu abashaye into embi ngesikhathi soKwehla Komnotho Okukhulu, kepha basebenzise isikweletu ngokuziphendulela kusukela lapho, babone ukuthuthuka okukhulu kwizikolo zabo zezikweletu muva nje.
Catch up on ukukhokha sekwedlule isikhathi
Ukugcina ama-akhawunti akhokhelwayo angadluli isikhathi esedlule, ukuvala ama-akhawunti wokuqoqa, futhi ngaleyo ndlela ukubuyisa imali yakho ngokuma okuhle kungasheshe kukhiqize inzuzo kumaphuzu akho esikweletu. Lokho kuyiqiniso ikakhulukazi uma ubhekene nomonakalo wamaphuzu wesikweletu owugwemayo.
Zuza ekushintsheni kwezidingo zokubika ngesikweletu
NgoJulayi 2017, izinguquko ezimfunekweni zamadokhumenti ezikhungweni ezinkulu zezikweletu zaholela ekutheni iningi lezikweletu zentela nezinsolo zomthetho zikhishwe emibikweni yesikweletu sabathengi. Ngenxa yalokhu, umuntu ojwayelekile othintekile wabona amaphuzu abo esikweletu ekhuphuka ngamaphuzu ayi-10 kuphela.
Kepha abantu abangu-0,7% abaqale ngokuthola amaphuzu angama-621-640 babone ukwanda kwamaphoyinti angaba yikhulu lapho kususwa wonke amalungelo nezinqumo emibikweni yabo yezikweletu, ngokusho kweVantageScore. Kwakunjalo naku-0.2% wabantu abaqala ngokuthola amaphuzu angama-641-660 no-0.1% wabantu abaqala ngamaphuzu angama-541-560.
Noma isikolo sakho sesikweletu sikhuphuka ngamaphoyinti ayi-100 ngobusuku obubodwa, ngeke uthole isikhashana ngamasayithi amaningi wamahhala wesikweletu, avuselelwa masonto onke, nyangazonke, noma ngekota.
Noma kunjalo, kubalulekile ukugcizelela ukuthi isilinganiso esihle kakhulu sesikweletu akuyona imizwa yasebusuku. Izikolo zezikweletu zivuza ukusebenza okungaguquguquki esikhathini eside. Ngakho-ke ukukhokha izikweletu zakho ngesikhathi, ukugcina ukusetshenziswa kwekhredithi yakho kuphansi, nokuphatha imali ngokuzibophezela inyanga nenyanga kuyindlela engcono yokwakha isikweletu nokugcina amaphuzu amahle kakhulu.
Kepha kukhona indawo ephakathi, ngenhlanhla. Izikweletu zakho zanda ngezikhathi ezithile phakathi nohambo lwakho oluphakeme. Ngakho-ke uma udinga isikweletu esihle kakhulu kungekudala, kunezinyathelo ongazithatha ukwenza isikolo sakho sibonakale ezinsukwini ezingama-30 noma ngaphansi.
Ikakhulu, ukunciphisa ukusetshenziswa kwesikweletu sakho kungenye yezindlela ezilula kakhulu zokwenza ngcono amaphuzu akho esikweletu kungakapheli inyanga. Ngeke ikunikeze ukwanda kwamaphoyinti ayi-100, kepha kuzoveza imiphumela. Futhi kunezindlela ezintathu zokwenza. Ungasebenzisa imali encane kunaleyo ovame ukuyisebenzisa, wenze inkokhelo ephakeme kunokujwayelekile, noma ukhokhe isikweletu sakho kaningi kunokujwayelekile. Inhloso ukunciphisa ibhalansi esitatimendeni sakho senyanga, ngakho-ke leli qhinga ngeke likuzuzise kuze kuphele isikhathi sakho sokukhokha.
Ngokuvamile, ukukhokha isikweletu kuzohlala kusiza isikolo sakho, kanye nobunzima bakho jikelele njengombolekayo. Kufanele futhi ugweme ukufaka isicelo sesikweletu ezinyangeni ezedlule ngaphambi kokuthi udinga amaphuzu akho esikweletu entweni ebalulekile. Isicelo ngasinye siphumela kuphenyo olunzima, olungasusa amaphuzu kumaphuzu akho cishe izinyanga eziyisithupha.
Yini ebhekwa njengesikweletu esihle?
Ngokusho kukaFair, Isaac kanye neNkampani (i-FICO), umakhi wamaphuzu enamadijithi amathathu asetshenziselwe ukukala ubungozi besikweletu sakho, uma isibalo siphakama, ingcono imiphumela yakho yesikweletu. Isilinganiso se-FICO sisuka ku-300 kuye ku-850. MyFICO.com ithi amaphuzu amahle esikweletu akhona ebangeni lamaphuzu angama-670-739.
Isikweletu sakho sakhiwe izici ezinhlanu ezahlukene lokho kuthinta isikolo sakho ngendlela ehlukile.
- 35% Umlando wokukhokha: Leli yirekhodi lezinkokhelo zakho kuwo wonke ama-akhawunti phakathi nomlando we-akhawunti. Cabanga ngalokhu njengekhadi lokubika lezezimali zakho.
- 30% Inani elikweletwayo: Yilokhu okwenza isilinganiso sakho sokusetshenziswa kwesikweletu. Ukunquma isilinganiso sokusetshenziswa kwakho, thatha inani lamabhalansi asasele ku-akhawunti ngayinye bese ulihlukanisa ngomkhawulo wakho wesikweletu. Ngakho-ke ikhadi lesikweletu elinomugqa wesikweletu esingu- $ 5,000 onama- $ 3,000 kusikweletu esetshenzisiwe kungaba isilinganiso sokusebenzisa isikweletu esingu-60%, akukuhle kangako.
- 15% Ubude bomlando wesikweletu: Lokhu kubheka inani leminyaka okade uboleka. Uma isikhathi eside umlando wakho wesikweletu wezinkokhelo ezinhle nokuphathwa kwe-akhawunti okufanelekile, kuba ngcono.
- U-10% wokuhlanganiswa kwesikweletu Kubandakanya zonke izinhlobo zesikweletu, njengezimalimboleko zesitolimende, ama-akhawunti ajikelezayo, izimalimboleko zabafundi, imali ebanjwayo, njll.
- Isikweletu esisha esingu-10%: Njalo lapho ufaka isicelo sekhadi lesikweletu elisha noma umkhiqizo wemalimboleko, kubikwa uphenyo kumbiko wakho wesikweletu.
Ngicabanga ukuthi amaphuzu wami wesikweletu akhuphuke kakhulu ngoba ukusetshenziswa kwesikweletu kunomthelela omkhulu kakhulu kumaphuzu ami esikweletu. Futhi, njengoba kushiwo ngenhla, nginomlando ophelele wokukhokha, owenza iningi lamaphuzu wami wesikweletu esewonke.
Ukucatshangelwa kwamaphuzu esikweletu
I-Credit Karma isebenzisa I-TransUnion futhi I-Equifax ngezikolo zakho zesikweletu. Njengoba wonke amamodeli wokulinganisa awafani, isilinganiso sami kungenzeka sishintshe ngezindlela ezihlukile nenye i-credit bureau enkulu, Okuhlangenwe nakho . Ngicabanga ukuthi kubalulekile futhi ukugcizelela ukuthi ungenza khona kanye engikwenzile, kepha isikolo sakho kungenzeka singashintshi ngendlela efanayo. Amaphuzu awo wonke umuntu athinteka ngezindlela ezahlukahlukene, noma ngabe wenza izenzo ezifanayo ngqo. Umsindo udidekile? Ungakhathazeki, kunjalo. Nazi ezinye izibonelo zendlela lokhu okungenzeka ngayo:
- Uma uJane enomlando ophelele wokukhokha, kodwa akhohlwe ukukhokha isikweletu sakhe inyanga, amaphuzu akhe ngeke athinteke ngendlela efanayo noMegan, onochungechunge olude lokukhokha sekwedlule isikhathi embikweni wakhe. Eqinisweni, ngenxa yomlando omuhle kakhulu wokukhokha kaJane, ungahle ukwazi nokushayela umhlinzeki wekhadi lakho lesikweletu futhi uchaze ukuthi kwenzekeni ukubona ukuthi ngabe bakubheka yini ukungabiki ukukhokha sekwedlule isikhathi kuma-credit bureau. UMegan, ngakolunye uhlangothi, mhlawumbe ngeke akwazi ukukuqeda lokho noma ngabe uzama kangakanani, uma kunikezwa amaphethini akhe omlando.
- Imibuzo yeHarsh credit ingathinta amaphuzu akho esikweletu phakathi kwamaphoyinti ama-4 nangu-10 lilinye. Uma uJohn egcwalisa isicelo, kepha isicelo sakhe sesithathu ezinsukwini ezingama-30, amaphuzu akhe maningi amathuba okuthi ehle ngaphezu kukaJeff's, oqede isicelo esisodwa kuphela ezinsukwini ezingama-30.
- Ake sithi uJason noBetsy bakhuphule umugqa wesikweletu sabo ngama- $ 500. Ibhalansi kaJason yayingu-zero, ngakho-ke manje unemali engu- $ 1,000 yesikweletu esivulekile engasetshenziswanga. Umugqa wesikweletu sikaBetsy ufike ku- $ 500, ngakho-ke ukukhulisa umugqa omusha wesikweletu kumnika kuphela u- $ 500 kusikweletu esikhona. Ngakho-ke, bobabili benze isenzo esifanayo kepha bazoba nemiphumela ehluke kakhulu.
Okuqukethwe
- Ungasithuthukisa Kanjani Isikweletu Sakho Ngokushesha
- Ungawenyusa kanjani amaphuzu akho esikweletu ngamaphuzu ayi-100
- Phikisa imininingwane engemihle embikweni wakho wesikweletu
- Linda amarekhodi amabi anyamalale kumbiko wakho wesikweletu
- Catch up on ukukhokha sekwedlule isikhathi
- Zuza ekushintsheni kwezidingo zokubika ngesikweletu
- Yini ebhekwa njengesikweletu esihle?
- Ukucatshangelwa kwamaphuzu esikweletu
- Uyikhokha kanjani i-Quick Credit card
- Ungasifaka kanjani isicelo sekhadi lesikweletu le-Walmart
- Hlanganisa Izikweletu Zamakhadi Esikweletu | 4 Izinyathelo ezilula
- Ungaqasha kanjani indlu ngaphandle kwesikweletu e-USA?
- Kwenzekani uma ngingakhokhi ikhadi lami lesikweletu?
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