Uma ungakhokhi isikweletu sakho sekhadi lesikweletu, cishe uzokhokhiswa i- imali esephuzile , uphuthelwe yisikhathi sakho somusa futhi kufanele ukhokhe inzalo ngenani lesigwebo . Isikolo sakho isikweletu naso sizokwehla uma kubambezeleka okungenani Izinsuku ezingama-30 ekukhokheni isikweletu sekhadi lesikweletu. Uma uqhubeka ngaphandle kokukhokha, umhlinzeki angavala i-akhawunti yakho, yize uzohlala unesibopho se-invoyisi.
Uma ungakhokhi isikweletu isikhathi eside ngokwanele , okhipha kungenzeka ekugcineni mmangalele ukukhokha noma ukuthengisa isikweletu sakho ku iqoqo lokuqoqa (ngubani ongakufaka enkantolo). Kepha akupheleli noma akulutho ngokukhokha kwekhadi lesikweletu. Yindaba ehluke ngokuphelele uma ukhokhela i- inani eliphansi elidingekayo .
Uma uhlala ukhokha okungenani ubuncane obudingekayo ngaphambi kosuku olubekiwe , i-akhawunti yakho izohlala usesimweni esihle Futhi ngeke kudingeke ubhekane nezimali ezikhishwe sekwedlule isikhathi, izimali zenhlawulo, noma ukulimala kwamaphuzu esikweletu. Kuzodingeka ukhokhe inzalo kuphela kubhalansi esele ngenani elijwayelekile lekhadi lakho.
Nakhu okwenzekayo uma ungakhokhi ikhadi lakho:
- Uma ukhokha ubuncane obudingekayo kepha hhayi ibhalansi ephelele ekhokhwayo: Ibhalansi yakho engakhokhiwe izokwengeza inzalo ngokuya nge-APR ejwayelekile yekhadi lakho. Futhi uzolahlekelwa yisikhathi sakho somusa, ngakho-ke ukuthenga okusha kuzokwengeza inzalo khona manjalo.
- Uma ungakhokhi lutho: I-akhawunti yakho izobikwa ukuthi idlulelwe yisikhathi emahhovisi esikweletu ngemuva kwezinsuku ezimbili zokuphelelwa yisikhathi. Lokho kuzolimaza amaphuzu akho esikweletu. Ngokwengeziwe, imali engaphezulu kokufika ku- $ 38 ingangezwa kubhalansi yakho (kepha ayikwazi ukudlula inkokhelo yakho encane). Umhlinzeki wakho angafaka nenhlawulo ye-APR ekuthengeni okusha, yize kumele bakutshele kusasele izinsuku ezingama-45.
- Uma ufike sekwedlule izinsuku ezingama-60 ekukhokheni okuncane: onikelayo angasebenzisa inhlawulo ye-APR kuyo yonke ibhalansi yakho ekhona.
- Uma ufike sekwedlule izinsuku eziyi-180 ekukhokheni okuncane: inkampani yekhadi lesikweletu kuzodingeka isule isikweletu sakho (ikubheke njengokulahlekelwa kwentela). Kepha lokho akusho ukuthi bazoyeka ukuzama ukukukhokhela. Bangathengisa isikweletu sakho kwi-ejensi yokuqoqa noma bangakhetha ukukumangalela.
- Uma ungakhokhi phakathi kweminyaka emi-3 nengu-15: usengcupheni yokuquliswa icala, kuya ngesimo ohlala kuso. Isikweletu sencwadi kadokotela akusona isivikelo esivumelekile kuze kuphele isimiso semikhawulo sombuso wakho. Uma ulahlekelwa yinkantolo futhi uyalelwa ukuthi ukhokhe, umholo wakho noma i-akhawunti yakho yasebhange ingahle ihlotshiswe.
Ngakho-ke iqiniso ukuthi kufanele uhlale uzama ukwenza okungenani inkokhelo encane ekhadini lakho lesikweletu. Impela, usazokweleta inzalo, kepha ngeke kudingeke ubhekane neminye imiphumela emibi yokungakhokhi ikhadi lakho lesikweletu.
Uma usilele emuva, into ebaluleke kakhulu ukuthola izinkokhelo zakho eziphansi ezingabanjwanga bese ubuyisela i-akhawunti yakho esimweni samanje. Ngemuva kwalokho, inhloso yakho kufanele kube ukukhokha ibhalansi ephelele ngenxa yezinyanga ezimbili zilandelana. Noma kulula ukukusho kunokukwenza, ukwenza njalo kuzobuyisa isikhathi sakho somusa futhi kumise ukunqwabelana kwenzalo entsha.
Okufanele ukwenze lapho ungakwazi ukukhokha
Kwenzekani lapho nje ukuhlangabezana nezinkokhelo eziphansi kungaphezu kwamandla akho futhi uthathe isinqumo sokuthi awukwazi ukukhokha izikweletu zakho zekhadi lesikweletu?
Lokhu kuphela: Lapho iqiniso lezezimali lonakalisa impilo yethu yansuku zonke, sekuyisikhathi sokuthi sithathe isinyathelo. Isenzo esihlakaniphile, esizimisele nesiguqula impilo.
Uma ulinda isikhathi eside ukubhekana nenkinga yekhadi lesikweletu, isimo sakho singabiza kakhulu, kusho uBruce McClary, usekela mongameli weNational Foundation for Credit Counselling. Ukusalela emuva kuzinkokhelo zakho kungaholela kumanani aphezulu wenzalo, izinhlawulo ezingeziwe, kanye nokwehla kwesikweletu sakho.
Yonke leyo miphumela engemihle ingaba nemiphumela emibi ebeka engcupheni ezinye izinto eziseqhulwini kwezezimali. Yize isikhathi singesiye umngani wakho uma usenkingeni yezikweletu, akufanele neze ucabange ukuthi sekwephuze kakhulu ukucela usizo.
Ungalutholaphi futhi kanjani usizo
Izindaba ezimnandi ukuthi kunezenzo - ezisheshayo, eziphakathi, nezesikhathi eside - ongazithatha ukuze ulunge. Kusuka manje:
Xhumana nabakhiphi bamakhadi
Umthetho n. # 1 ngukuthi kufanele wazise obakweletayo ukuthi usenkingeni yezezimali. Chaza isimo sakho. Uma udonsa kanzima ngokwezezimali (udiliziwe noma unezindleko ongazilindele), maningi amathuba okuthi wehlise ukuxega kwakho ngokusho amaqiniso. Noma kuyinkinga nje yokusebenzisa ngokweqile, uma ngabe ugcine isikhathi kuze kube manje, bangakumomotheka.
Bangakwazi ukukunikeza ukukhululeka ngenkathi ulungisa isimo sakho sezezimali, kusho uMcClary. Kepha uma ungabuzi, awusoze wazi ukuthi bangenzani ukukusiza ukuthi ugweme ukusilela emuva kuzinkokhelo zakho.
Ngenkathi singekho isiqinisekiso sokuthi bangasiza kanjani, bangavumela inyanga yokukhokha inzalo noma ngisho nemvume yokweqa inkokhelo.
Ngeke ube yikhasimende lokuqala elikhathazekile ukuxhumana nombolekisi wakho. Buza ukuthi yini abayenzela abanye ngokwesimo sakho.
Njengoba wenza kanjalo, zama ukuxoxisana ngokukhululeka. Ukuthumela inkokhelo engaphelele ngaphandle kwencazelo ngeke kusize; Ukunikela ukukwenza ngenkathi ukhuluma nommeleli wakho wesikweletu.
Lapho uzama ukuthola izinto, ungenzi izithembiso ongeke ukwazi ukuzigcina.
Thola usizo lwangaphandle
Okudingayo isandla. Ochwepheshe abavamile ukukwenza bodwa. Abadlali begalufu abangochwepheshe ababathembayo abaqeqeshi babo. Kanjalo nabadlali be-tennis abaphezulu, ama-Pro Bowl quarterbacks, nabadlali be-All-Star baseball. Abazongenela ukhetho lukaMongameli bathembele kuzo zonke izinhlobo zosomaqhinga.
Kungani abantu abangaphumelelanga ekuphathweni kwemali befuna ochwepheshe, nabo?
Khuluma nesazi sezezimali sakho njengomeluleki wezikweletu ongenzi nzuzo, kusho uMcClary. Bangakunikeza umhlahlandlela owenzelwe wena ukukusiza ukuthi unqobe izinselelo zekhadi lakho lesikweletu futhi ubuyele endleleni eya ezinhlosweni zakho zezezimali.
Ngaphansi kukahulumeni wesifundazwe i-Consumer Financial Protection Bureau iyavuma, iyanezela: Ngaphambi kokuthi ubhalise, buza ukuthi uzokhokhiswa yini, malini, nokuthi iziphi izinsizakalo ezizonikezwa.
Gwema izinkampani zokusiza izikweletu ezizuzisa inzuzo bese usebenza uma uzwa noma ikuphi kokulandelayo:
- Imali eqoqwa ngaphambi kokukhokha izikweletu zakho
- Iziqinisekiso ezingenza ukuthi isikweletu sakho sinyamalale
- Kunconywa ukuthi uyeke ukuxhumana nabakweletayo.
- Bakutshela ukuthi uyeke ukwenza izinkokhelo ezincane
Njengoba nje uMarie Kondo enza amaklayenti akhe aphendule ngokuzibophezela eku-odeni izimpilo zawo ekuphokopheleni inkululeko nenjabulo, ukubhalisa ohlelweni lokuphathwa kwezikweletu nomeluleki wezikweletu ongenzi nzuzo kuzokuqondisa kusuka entabeni yakho yezikweleti ezibheke enkululekweni yezezimali.
Ukucabanga ngegama B: Ukuqothuka
Cabanga ngokucophelela ngalokhu, ngoba uma usunikele ku ukuqothuka , i-hangover izoqhubeka isikhashana: iminyaka eyisikhombisa uma ukhetha iSahluko 7, ukuqothuka okuqondile lapho iningi lezimpahla zakho likhanselwa ukukhokha izikweletu zakho, yonke enye ikhishwe; Iminyaka eyi-10 uma ukhetha ukuhlela kabusha iSahluko 13, lapho uza necebo lokukhokhela ababolekisi bakho, ngokusebenzisa umuntu ophakathi nendawo, iminyaka emithathu kuya kwemihlanu.
Ukuqothuka, kusho uDan Grote, umlingani weDenver-based Latitude Financial Group, uhlobo lwesimo sokugcina sokukhetha, kepha kufanelekile ezimweni ezithile futhi akusho ukuthi kuyisibulala. Ushintsho olufanele uma ingekho enye indlela.
Hlola indlela osebenzisa ngayo imali; Cabanga kabusha isabelomali sakho
Unesabelomali, akunjalo? Ngaphandle kwalokho, ungasetha eyodwa usebenzisa noma iyiphi inombolo yezinhlelo zokusebenza zebhajethi yamahhala noma izinhlelo zebhajethi eziku-inthanethi. Ukhiye, kusho uCecilia Case, umqeqeshi wemali ozinze ePortland, e-Oregon, ukunqanda ukopha. … [Abantu] badinga ukuthola indlela yokuyeka ukungena ezikweletini eziningi.
Ngokuhambisana nale migqa, u-Alexandra Tran, i-blogger yezezimali kanye nochwepheshe wezokumaketha kwidijithali onenkampani kazwelonke ye-e-commerce kanye ne-logistics, ukukhuthaza ukuthi ucabange ngama-akhawunti akho asebhange. Ulandela okwakhe nsuku zonke esebenzisa i-Credit Karma nezinhlelo zokusebenza zebhange.
Lapho ngibona imali yami, kusho uTran, ngiyazi ukuthi angifanele ukusebenzisa nini.
Ngenxa yalokho, lesi kungaba yisikhathi esihle sokubheka amakhadi akho esikweletu nezitatimende zasebhange ngezinkokhelo ezizenzakalelayo zokubhalisa ongavamile ukuzisebenzisa noma ongazenza ngaphandle. Lesi futhi yisikhathi esihle sokubheka kahle ukuthi imali yakho iyaphi.
Ekugcineni, ukuwina ngemali kweza ekudlaleni okuhle, ukuzivikela okuhle namaqembu akhethekile - lokho kuyalandelwa, kusho uGrote. Ufeza lokho okulandelelayo.
Faka imifudlana engenayo
Ngaphezu kokunciphisa izindleko zakho, qaphela izindlela zokwengeza imali yakho. Ingabe ufanele ukukhushulelwa imali? Thola ukuthi kungani ufanele (Ithiphu: Isizathu asikwazi ukuthi ngoba udinga imali ethe xaxa - wonke umuntu uyayidinga), bhala isiphakamiso esihlanganiswe nenani lakho lemakethe, bese ukhuluma nomphathi wakho.
Bona lapho ungathola khona indawo njenge-freelancer noma emnothweni wegig. Hlola i-Upwork, i-Guru, ne-TaskRabbit, ukubala ezintathu, ezixhumanisa abafuna umsebenzi nalabo abadinga imisebenzi ephelele.
Kungcono ukuzisebenza endaweni onolwazi kuyo, kepha akubalulekile, kusho uPriyanka Prakash, umbhali omkhulu eFundera ezinze eNew York. Ungaqala ngokushaja isilinganiso esiphansi sehora ukuheha amakhasimende. Uma wenza umsebenzi omuhle, uzothola ukubuyekezwa okuhle kumakhasimende futhi ungakhuphula izinga lakho.
Kunezindlela ezithile ezimangazayo zokuphuma ezikweletini futhi uhlele kahle izimali zakho, kusho uVicky Eves, i-blogger yezezimali evela eWiltshire, UK (ibeatdebt.com), ngakho-ke ungabambeki enkingeni ucabanga ukuthi ulinganiselwe kokukodwa noma izinketho ezimbili!
Okwenziwe u-Eves kuyindatshana yangempela, uvela ohlelweni lwethelevishini futhi uhola ngokwanele ukusula uhhafu wesikweletu sakhe. Okungajwayelekile, kunjalo. Ngaphandle kweBhokisi? Impela? Iyabonakala? Sizwile imibono emibi kakhulu.
Ingabe unezinto ongazithengisa online? Kusuka ku-eBay kuye kuCraigslist kuye ePoshmark nokuningi, akukaze kube nesikhathi esingcono sokuthola intengo engcono kakhulu yezinto ongaphila ngaphandle kwazo.
Ngaphezu kwakho konke, ungahoxi. Ukugwema othintana nabo obakweletayo kwenza izindaba zakho zezezimali zibe zimbi kakhulu. Ukugwema ukuxhumana nabantu abajwayelekile kungaholela ekucindezelekeni nasemizweni yokuphelelwa yithemba.
Kunengcindezi eningi enezinkinga zezezimali, ngakho-ke ukwenza izinto ukuze uhlale unomoya kubalulekile, kusho u-Olga Kirshenbaum, umnikazi weRags to Riches Consulting. Ukuhambela izingosi zokuxhumana nezokuzithandela kungaba yindlela yokuhlala uzibandakanya futhi uxhumekile, mhlawumbe kungaholela emsebenzini wakho olandelayo.
Ungabuya ngezinyawo zakho. Futhi ungakwenza ngokushesha okukhulu kunalokho obucabanga ukuthi kungenzeka. Thatha isenzo, xhumana, xhumana nochwepheshe, uhlale uxhumekile futhi ulawule. Uyomangala ukuthi ukuphi ngalesi sikhathi ngonyaka ozayo.
Imiphumela yokungakhokhi
Lalelani, kuyenzeka. Kuvela izindleko eziphuthumayo. Uhlaselwa yisimo esiphuthumayo sezokwelapha noma inhlekelele yemvelo. Uhulumeni wesifundazwe uvala isikhathi esingaphezu kwenyanga. Noma mhlawumbe ungaphezu kwesabelomali. Noma ngabe siyini isizathu, akukho okuhle okuza ngokungakhokhi izikweletu zakho zekhadi lesikweletu. Konke kukhona esivumelwaneni somkhiphi wayo.
Vele ukwengeza kokuthusayo: Uma usalele emuva kuzinkokhelo zakho, ungaze ucabange ngokuzama ukuqoqa amamayela akho noma amaphuzu omvuzo.
Amacala okukhokha ngemuva kwesikhathi
Ukukhokha sekwedlule isikhathi kungaholela ekukhokhelweni kwesikhathi esifinyelela ku- $ 25 ngecala lokuqala. Futhi ingezwe ngqo kubhalansi yakho, ikunikeze nokuningi okumele ukhokhele. Kamuva ukukhokha sekwephuzile kungaholela ezikhokhweni eziphakeme kakhulu, kufika ku- $ 35.
Izindaba ezimnandi ukuthi imali ekhokhwa sekwedlule isikhathi ayikwazi ukuba ngaphezu kwenani eliphansi elifunekayo. Uma ufike sekwedlule isikhathi ngama- $ 10 ubuncane, imali yakho ekhishwe sekwephuzile ayikwazi ukweqa u- $ 10. Ngenxa yalokho, abaningi abakhipha amakhadi wesikweletu babeka izinkokhelo zabo eziphansi ku- $ 25 noma ngaphezulu.
Umthelela ku-APR yakho
Esinye isizathu sokuhambisana: ama-akhawunti afike sekwedlule izinsuku ezingama-60 adlulele ekukhuphukeni kwesilinganiso senzalo, kuze kufike ku-30% kwezinye izimo.
Kubi lokho, akunjalo? Okubi kakhulu, isivumelwano sakho singasho, noma ngabe uzokwazi ukuthola ukuguqulwa kwe-APR ekuthengweni kwangaphambi kwenhlawulo uma ukhokha ngesikhathi izinyanga eziyisithupha, isilinganiso senhlawulo singaqhubeka ngokuthenga okusha ngokungapheli.
Uma ujezisa izikweletu zekhadi lesikweletu, izinto ezimbalwa okufanele uzikhumbule:
- Abanye abakhipha amakhadi abanazo izilinganiso zenhlawulo njengengxenye yezivumelwano zabo. Hlola izivumelwano zakho ukuze ubone ukuthi ngabe kunjalo ngamakhadi akho.
- Uma unekhadi lenzalo elingu-zero, qiniseka ukuthi uligcina lisesikhathini, noma ungalahlekelwa isilinganiso sakho sesingeniso.
- Uma unekhadi elingaphezu kwelilodwa elivela kumkhiphi esikhwameni sakho semali, ukufika sekwephuzile kwelinye lalawo makhadi kungakhuphula i-APR kwamanye.
Umthelela kumaphuzu esikweletu
Kanye nezimali eziphakeme nama-APR, ukukhokha sekwedlule isikhathi noma sekwephuzile kunganciphisa amaphuzu akho esikweletu. Kuyathakazelisa ukuthi abakhipha amakhadi nezinhlangano zokubika ngesikweletu banezincazelo ezihlukile zokubambezeleka. Ngenkathi umbolekisi ekwazi ukufaka imali ekhokhwayo nezinye izindleko ngosuku lokuqala ngemuva kosuku olubekiwe, i-akhawunti yakho ayiyona inhlamba emehlweni ophiko lwezikweletu kuze kudlule izinsuku ezingama-30.
Izinkokhelo zesikhathi zenza ama-35% wesikweletu somthengi, ngakho-ke ukukhokha sekwedlule isikhathi kungadonsa inhlawulo enkulu. Umuntu onerekhodi elimsulwa angavuka afike kumaphoyinti ayikhulu ngenkokhelo eyodwa sekwephuzile. Labo abanomlando wesikweletu esincane kakhulu balahlekelwa amaphuzu ambalwa wokukhokha sekwephuzile; ukungathembeki sekuvele kwakhiwe kuzikolo zakho.
MyFICO.com Ikubeka ngokusobala: ukukhokha okwengeziwe sekwedlule isikhathi, kanye nezinkokhelo okufanele zikhokhwe ezinsukwini ezingama-60 noma ezingama-90 noma ngaphezulu, zingavala amaphuzu esikweletu, njengoba kungangena ekuhlawuleni izikweletu (lapho okweletwayo emukela ngaphansi kwenani elikweletwayo)
Inganekwane yokukhokha okuyingxenye
Abakhipha amakhadi esikweletu abakunikeli imiklomelo ngokubamba kwakho iqhaza. Lokho wukuthi, ngeke babathethelele abakhokha sekwedlule isikhathi ngokuthumela okungaphansi kwenani eliphansi elikweletwayo. Uma kungekho zivumelwano zangaphambilini, umbolekisi wakho uzobheka inkokhelo eyingxenye empeleni elingana nokukhokha sekwedlule isikhathi.
I-caveat eyodwa: izinkokhelo eziningi eziyingxenye ezihlangabezana noma ezidlula ubuncane futhi ezifika ngaphambi kosuku olubekiwe zizogcina idumela lakho elihle.
Uketshezi
Ukukhanselwa kwenzeka lapho okhipha ikhadi ephetha ngokuthi isikweletu asikwazi ukuqoqwa, okwenzeka kakhulu lapho i-akhawunti isinezinsuku eziyi-180 ezidlule ngenxa yalokho, okungukuthi, izinyanga eziyisithupha ngaphandle kokukhokha okuncane. Isaphulelo sivumela okweletwayo ukuthi afune ukuncishiselwa intela ngesikweletu esibi; Lokhu, noma kunjalo, akusho ukuthi okweletayo akasasebenzi.
Umhlinzeki angaqhubeka nokufuna okukhokhwa nge-ejensi yokuqoqa, noma angathengisa i-akhawunti ngesaphulelo esikhulu; wena, noma kunjalo, uzohlala ku-hook yemali ephelele.
Uma isikweletu sakho sithengisiwe, qiniseka ngokuphelele, uma uzimisele futhi ukwazi ukwenza amalungiselelo okukhokha, uthumela imali kumnikazi omusha we-akhawunti yakho. Imikhonyovu yokuqoqa igcwele futhi idla abantu abakweletwayo ngokungazibambi.
Futhi, ungathembela ukuthi amaphuzu wakho wesikweletu athola iso elimnyama elizohlala kuze kube yiminyaka eyisikhombisa. Isaphulelo, kanye nerekhodi lokukhokha sekwedlule isikhathi, kuzokwenza kube nzima ukuthola izikweletu ezintsha, kusukela ekubambisweni kwemali kuya ezimalini kanye nokubolekwa komuntu siqu kuya kumakhadi wesikweletu amasha. Usengayithola eyodwa, kepha izofika nesilinganiso senzalo esiphezulu kakhulu.
Futhi gcina lokhu engqondweni: Uma ukwazi ukuxoxisana ngesivumelwano esingaphansi kwesamba esikweletwayo, ungabophezeleka ku-IRS ngenani elithethelelwe. Xhumana nesazi sentela yemali engenayo mayelana nama-ramifications.
Ngamafuphi, maqondana nokukhanselwa, awufuni nakancane ukuya lapho.
Abaqoqi bezikweletu nezikweletu
Yiba nokuphepha: Lapho nje sebethole amalungelo esikweletu sakho, ama-ejensi wokuqoqa azokulandela. Yilokho abakwenzayo.
Ngenkathi umthetho ulinganiselwe ekuqondiseni ukuhlukunyezwa, izinsongo, noma izitatimende ezingamanga, ama-ejensi wokuqoqa azophikelela, ngezinga elithile, futhi azokuthinta ngezindlela ezahlukahlukene: ucingo, umbhalo, i-imeyili, iposi elijwayelekile, uze uxhumane naye ngokubhala , ukumkhipha. Incwadi yokumisa nokuyeka ethunyelwe ngeposi eqinisekisiwe iyindlela engcono kakhulu yokumisa ukuxhumana.
Ngemuva kwalokho, kungenzeka uzwe kubo kabili kuphela: kanye ukukutshela ukuthi bazoyeka ukuxhumana futhi bakutshele kanye (noma ummeli wakho, uma umelwe kulolu daba) ukuthi bamangalele ngomzamo wokululama. Isikweletu.
Uma uthola isamanisi, libeke ekhalendeni lakho. Ukungafiki kosuku lwenkantolo kusho ukuthi ulahlekelwa ngokuzenzakalela.
Uma okhipha ikhadi noma i-ejensi yokuqoqa iwina isinqumo enkantolo, okusho ukuthi ijaji liyala ukuthi ukhokhe, umphumela uzobikwa kumahhovisi wesikweletu, kwehliswe amaphuzu akho esikweletu.
Uma uyaliwe ukuthi ukhokhe, ungahlobisa umholo wakho futhi / noma uqande ama-akhawunti akho asebhange. Ngokwengeziwe, ungakhokhiswa imali yezomthetho etholwe ngumkhiphi wekhadi noma i-ejensi yokuqoqa ngezenzo ezidingekayo ukuzama ukuqoqa.
Ukuzikhulula:
Le yindatshana yolwazi.
IRedargentina ayinikezi izeluleko zomthetho noma zomthetho, futhi akuhloselwe ukuthi ithathwe njengeseluleko sezomthetho.
Umbukeli / umsebenzisi waleli khasi lewebhu kufanele asebenzise imininingwane engenhla njengesiqondisi kuphela, futhi kufanele ngaso sonke isikhathi axhumane nemithombo engenhla noma abamele uhulumeni womsebenzisi ukuthola imininingwane esesikhathini ngaleso sikhathi, ngaphambi kokwenza isinqumo.
Imithombo:
Porter, T. (2018, Novemba 17) Isikweletu semindeni yaseMelika sicishe sibe yi- $ 1 trillion ephakeme kunangaphambili https://www.newsweek.com/american-household-debt-nearly-trillion-dollars-higher-it-was-2008-recession-1220615
URichter, W. (Nov 20, 2018) Ukunyuka Kwengozi Ephezulu: Ubuhlongandlebe bamakhadi esikweletu basesicongweni senkinga yezezimali emabhange amancane kakhulu e-4,705 ase-US. Kubuyiswe kusuka ku- https://wolfstreet.com/2018/11/20/subprime-rises-credit-card-delinquencies-spike-past-financial-crisis-peak-at-smaller-banks/
USaad, L. (Meyi 3, 2018) Ukukhokhwa kwezinkinga zezokwelapha, ukwesaba ukuthatha umhlalaphansi kwezezimali. Kubuyiswe kusuka ku- https://news.gallup.com/poll/233642/paying-medical-crises-retirement-lead-financial-fears.aspx?
U-Irby, L. (2019, Januwari 7) Lapho Ungeke Wenze Inkokhelo Yekhadi Lakho Elincane. Kubuyiswe kusuka ku- https://www.thebalance.com/cant-make-minimum-credit-card-payment-961000
UFontinelle, A. (Novemba 21, 2018) Amaphutha Amakhulu Amakhulu Amakhadi Esikweletu. Kubuyiswe kusuka ku- https://www.investopedia.com/articles/pf/07/credit-card-donts.asp
U-O'Shea, B. (2018, Agasti 7) Ukukhokha sekwedlule isikhathi kuthinta kanjani isikweletu sakho? Kubuyiswe kusuka ku- https://www.nerdwallet.com/blog/finance/late-bill-payment-reported/
Okuqukethwe
- Nakhu okwenzekayo uma ungakhokhi ikhadi lakho:
- Okufanele ukwenze lapho ungakwazi ukukhokha
- Ungalutholaphi futhi kanjani usizo
- Xhumana nabakhiphi bamakhadi
- Thola usizo lwangaphandle
- Ukucabanga ngegama B: Ukuqothuka
- Hlola indlela osebenzisa ngayo imali; Cabanga kabusha isabelomali sakho
- Faka imifudlana engenayo
- Imiphumela yokungakhokhi
- Amacala okukhokha ngemuva kwesikhathi
- Umthelela ku-APR yakho
- Umthelela kumaphuzu esikweletu
- Inganekwane yokukhokha okuyingxenye
- Uketshezi
- Abaqoqi bezikweletu nezikweletu
- Amavesi eBhayibheli ashukumisayo angama-25 ...
- Uyithenga kanjani imoto ngaphandle kwesikweletu
- Ikhadi lami lasebhange kwebiwe bakhipha imali, ngenzenjani?
- I-SEBRYL SHAMPOO CREAM yenzelwe ini?
- Ungasifaka kanjani isicelo sekhadi lesikweletu le-Walmart
- Ungaqasha kanjani indlu ngaphandle kwesikweletu e-USA?