Ukuba awuyihlawuli ityala lakho lekhadi letyala, uya kuhlawuliswa umrhumo wamva , uphoswe lixesha lakho lobabalo kwaye kuya kufuneka uhlawule inzala ngerhafu . Amanqaku akho Ityala nalo liza kuhla ukuba iyalibaziseka noko Iintsuku ezingama-30 ekuhlawuleni ityala lekhadi letyala. Ukuba uyaqhubeka ngaphandle kokuhlawula, umnikeli unokuyivala iakhawunti yakho, nangona uza kuhlala unoxanduva lwe-invoyisi.
Ukuba awuyikuhlawula ityala ixesha elaneleyo , umniki unokugqibela Mmangalele ukuhlawula okanye ukuthengisa ityala lakho ku iarhente yokuqokelela (ngubani onokukumangalela). Kodwa ayisiyiyo yonke into okanye akukho nto ineentlawulo zekhadi letyala. Libali elahluke ngokupheleleyo ukuba uhlawula nje ubuncinci bobungakanani obufunekayo .
Ukuba uhlala uhlawula ubuncinci obufunekayo ngaphambi komhla omiselweyo , iakhawunti yakho iya kuhlala zikwimeko entle Kwaye awuzukujongana nemali ehlawulwa kade, iifizi zesohlwayo, okanye ukonakala kwamanqaku etyala. Kuya kufuneka uhlawule kuphela inzala kwibhalansi eseleyo kwinqanaba eliqhelekileyo lekhadi lakho.
Yiyo eyenzekayo xa ungalihlawuli ikhadi lakho:
- Ukuba uhlawula ubuncinci obufunekayo kodwa hayi intsalela efanele ukuhlawulwa: Ibhalansi yakho yonke engahlawulwanga iya kufumana inzala esekwe kwi-APR yekhadi lakho eliqhelekileyo. Uya kuphulukana nexesha lakho lobabalo, ke ukuthengwa okutsha kuyakonyusa inzala kwangoko.
- Ukuba awuhlawuli nto: Iakhawunti yakho iya kunikwa ingxelo yokuba ihambile kumaziko agcina ulwazi ngetyala emva kwentsuku ezimbini zokuphelelwa lixesha. Oko kuya kulimaza amanqaku akho etyala. Ukongeza, umrhumo ongaphezulu ukuya kuthi ga kwi-38 yeedola ungongezwa kwimali eseleyo (kodwa ayinakudlula kwintlawulo encinci). Umnikezeli wakho unokufaka isohlwayo kwi-APR kukuthenga okutsha, nangona kufuneka bakuxelele kwiintsuku ezingama-45 kwangaphambili.
- Ukuba ufike emva kweentsuku ezingama-60 kwintlawulo encinci: Umnikezeli unokufaka isohlwayo kwi-APR kuyo yonke imali esele ikhona.
- Ukuba ufike emva kweentsuku ezili-180 kubuncinci beentlawulo: inkampani yekhadi letyala kuya kufuneka icime ityala lakho (ithathe njengelahleko yerhafu). Kodwa oko akuthethi ukuba bayakuyeka ukuzama ukuba uhlawule. Banokuthengisa ityala lakho kwiarhente yokuqokelela okanye banokukhetha ukukumangalela.
- Ukuba awuhlawuli phakathi kweminyaka emi-3 ukuya kweli-15: Usesichengeni sokumangalelwa, kuxhomekeke kwimeko ohlala kuyo. Ityala lokumiselwa ayisiyonto yokuzikhusela eyiyo kude kuphele ummiselo welizwe lakho. Ukuba ulahlekelwe sisimangalo kwaye uyalelwa ukuba uhlawule, umvuzo wakho okanye iakhawunti yebhanki inokuhonjiswa.
Ke eyona nto iphambili kukuba uhlala uzama ukwenza okungenani intlawulo encinci kwikhadi lakho letyala. Ngokuqinisekileyo, usenetyala, kodwa awuzukujongana nezinye iziphumo ezibi zokungahlawuli ikhadi lakho letyala.
Ukuba usilele ngasemva, eyona nto ibalulekileyo kukufumana imali encinci oyiphosileyo kwaye ubuyisele iakhawunti yakho kwimeko yangoku. Emva koko, injongo yakho kufuneka ibe kukuhlawula ibhalansi epheleleyo ngenxa yeenyanga ezimbini zilandelelana. Nangona kulula ukuthetha kunokwenza, ukwenza njalo kuya kubuyisa ixesha lakho lobabalo kwaye kuyeke ukuqokelela umdla omtsha.
Kufuneka wenze ntoni xa ungakwazi ukuhlawula
Kwenzeka ntoni xa udibana nje nentlawulo encinci ungaphaya kwamandla akho kwaye uthathe isigqibo sokuba awungekhe uhlawule amatyala akho ekhadi letyala?
Kuphela oku: Xa ubunyani bezemali buphazamisa ubomi bethu bemihla ngemihla, lixesha lokuba sithathe inyathelo. Isenzo esihlakaniphile, esizimisele kunye nesitshintsha ubomi.
Okukhona ulinde ukujongana nengxaki yekhadi letyala, kokukhona imeko yakho ingabiza kakhulu, utshilo uBruce McClary, usekela-mongameli weNational Foundation for Credit Counselling. Ukuwa ngasemva kwiintlawulo zakho kunokukhokelela kumazinga aphezulu enzala, izohlwayo ezongeziweyo, kunye nokwehla kwenqaku lakho letyala.
Zonke ezi ziphumo zingathandekiyo zinokuba nefuthe lokubeka emngciphekweni ezinye izinto eziphambili ngokubaluleka kwezemali. Nangona ixesha ingengomhlobo wakho xa ukwingxaki yamatyala, ungaze ucinge ukuba lixesha lokucela uncedo.
Ungalufumana phi kwaye njani uncedo
Iindaba ezimnandi zezokuba kukho iintshukumo- kwangoko, eziphakathi, kunye nexesha elide- onokuzithatha ukuze ulunge. Ukususela ngoku ukuya phambili:
Nxibelelana nabaniki bamakhadi
Umthetho n. # 1 kukuba kufuneka wazise ababolekisi bakho ukuba usengxakini yemali. Chaza imeko yakho. Ukuba utsala nzima ngokwezezimali (udendiwe okanye unenkcitho engalindelekanga), kunokwenzeka ukuba unciphise ubuvila bakho ngokuchaza iinyani. Nokuba yingxaki yokuchitha kakhulu, ukuba ufike ngexesha ukuza kuthi ga ngoku, banokuncuma nawe.
Bangakwazi ukukunika isiqabu ngelixa uhlela imeko yakho yezemali, utshilo uMcClary. Kodwa ukuba awubuzanga, awusoze wazi ukuba banokwenza ntoni ukukunceda ukuba ungaphenduli emva kwiintlawulo zakho.
Ngelixa kungekho siqinisekiso sokuba banokunceda njani, banokuvumela inyanga yokubhatala inzala okanye imvume yokutsiba intlawulo.
Awuyi kuba ngumthengi wokuqala oxinezelekileyo ukunxibelelana nombolekisi wakho. Buza oko bakwenzela abanye kwimeko yakho.
Njengoko usenza njalo, zama ukuthethathethana malunga nokuthantamisa. Ukuthumela intlawulo yenxalenye ngaphandle kwengcaciso akunakunceda; Ukunikezela ukuyenza ngelixa uthetha nommeli wetyala lakho.
Xa uzama ukuqonda izinto, musa ukwenza izithembiso ongenakukwazi ukuzigcina.
Fumana uncedo lwangaphandle
Into oyifunayo sisandla. Iingcali kunqabile ukuba zenze zodwa. Abona bagadi babalaseleyo baqeqeshiweyo bayabathemba abaqeqeshi babo. Ngokunjalo nabadlali be-tennis abaphezulu, i-Pro Bowl quarterbacks, kunye ne-All-Star baseball players. Abagqatswa baka-Mongameli baxhomekeke kuzo zonke iintlobo zeengcali.
Kutheni le nto abantu abangaphumelelanga kulawulo lwemali befuna iingcali, nabo?
Thetha nengcali yezemali yobuqu njengomcebisi ngetyala ongenzi nzuzo, utshilo uMcClary. Banokubonelela ngesikhokelo esenzelwe wena ukunceda woyise imiceli mngeni kwikhadi lakho letyala kwaye ubuyele emgceni kwiinjongo zakho zezemali.
Ngaphantsi kwe-Federal federal Bureau of Protection Consumer Bureau iyavuma, yongeza: Phambi kokuba ubhalise, buza ukuba uza kuhlawuliswa, malini, kwaye zeziphi iinkonzo eziza kubonelelwa.
Kunqande iinkampani ezinceda inzuzo ngetyala kwaye ubaleke ukuba uve oku kulandelayo:
- Imirhumo eqokelelweyo ngaphambi kokuba uhlawule amatyala akho
- Iziqinisekiso ezinokuthi zenze ukuba ityala lakho liphele
- Kuyacetyiswa ukuba uyeke ukunxibelelana nababolekisi.
- Bakuxelela ukuba uyeke ukwenza ezona ntlawulo zincinci
Njengokuba uMarie Kondo ephendula abaxumi bakhe ngokwenza ukuzibophelela eku-odoleni inkululeko yabo kunye nokufuna inkululeko kunye novuyo, ukubhalisa kwinkqubo yolawulo lwamatyala kunye nomcebisi ngetyala ongenzi nzuzo kuyakukukhokela kwintaba yakho yamatyala amaninzi ukuya kwinkululeko yezemali.
Ukujonga igama B: Ukuchithwa
Cinga ngenyameko malunga noku, kuba wakube uzinikele kwifayile ye- ukungabinamali , i-hangover iya kuqhubeka okwexeshana: iminyaka esixhenxe ukuba ukhetha iSahluko 7, ukungabinamali ngokungqalileyo apho uninzi lwempahla yakho icinyiwe ukuhlawula amatyala akho, ize yonke ikhutshwe; Iminyaka eli-10 ukuba ukhetha ulungelelwaniso lweSahluko se-13, apho uza nesicwangciso sokuhlawula ababolekisi bakho, ngokusebenzisa umntu ophakathi, iminyaka emithathu ukuya kwemihlanu.
Ukuqhekeka, utshilo uDan Grote, iqabane kwiQela lezeMali lase-Denver-based, luhlobo lwendawo yokugqibela, kodwa kufanelekile kwezinye iimeko kwaye oko akuthethi ukuba yinto ebulalayo. Utshintsho olufanelekileyo xa kungekho enye indlela.
Hlola indlela oyisebenzisa ngayo imali; Phinda uhlaziye uhlahlo-lwabiwo mali
Unohlahlo-lwabiwo mali, akunjalo? Ngaphandle koko, unokuseta enye usebenzisa naliphi na inani losetyenziso lweebhajethi zasimahla okanye iinkqubo zohlahlo-lwabiwo mali ezikwi-intanethi. Isitshixo, utsho uCecilia Case, umqeqeshi wemali ese-Portland, e-Oregon, kukunqanda ukopha. … [Abantu] kufuneka bafumane indlela yokuyeka ukungena ematyaleni angaphezulu.
Ngokuhambelana nale migca, u-Alexandra Tran, ibhlogi yezemali kunye nengcali yentengiso yedijithali enenkampani yesizwe ye-e-commerce kunye ne-logistics, uyakukhuthaza ukuba uthathele ingqalelo iiakhawunti zakho zebhanki. Ulandela umkhondo wakhe wemihla ngemihla usebenzisa iTyala letyala kunye neeapps zebhanki.
Xa ndibona imali yam, utshilo uTran, ndiyazi ukuba bekungafanelekanga ukuba ndichithe nini.
Ngenxa yoko, eli iya kuba lixesha elifanelekileyo lokujonga amakhadi akho etyala kunye neengxelo zebhanki zentlawulo ezenzekelayo zokubhalisa ongafane uzisebenzise okanye ongazenziyo ngaphandle. Eli lixesha elifanelekileyo lokuba ujonge kakuhle ukuba imali yakho iyaphi.
Okokugqibela, ukuphumelela ngemali kuyehla ekudlaleni okuhle, ukuzikhusela okuhle kunye namaqela akhethekileyo- kukulandela, utshilo uGrote. Uyakufezekisa oko ukulandela ngomkhondo.
Yongeza imijelo yengeniso
Ukongeza ekunciphiseni iindleko zakho, gcina iliso lakho ngeendlela zokwandisa umvuzo wakho. Ngaba ukufanele ukunyuselwa imali? Fumanisa ukuba kutheni uyifanele (Ingcebiso: Isizathu asinakuba kuba ufuna imali ethe kratya- wonke umntu uyayenza), bhala isindululo esibotshelelwe kwixabiso lakho lentengiso, kwaye uthethe nomphathi wakho.
Jonga apho unokufumana khona indawo njenge-freelancer okanye kwi-gig economics. Jonga i-Upwork, i-Guru, kunye ne-TaskRabbit, ukukhankanya ezintathu, ezidibanisa abafuna umsebenzi kunye nabo bafuna imisebenzi epheleleyo.
Kungcono ukuzisebenza kwindawo onamava kuyo, kodwa ayibalulekanga, utshilo u-Priyanka Prakash, umbhali omkhulu eFundera eseNew York. Ungaqala ngokubiza ixabiso eliphantsi leyure ukutsala abathengi. Ukuba wenza umsebenzi olungileyo, uya kufumana uphononongo olufanelekileyo kubathengi kwaye unokunyusa izinga lakho.
Kukho iindlela ezimangalisayo zokuphuma ematyaleni kwaye ulungise imali yakho, utshilo uVicky Eves, ibhlog yezemali evela eWiltshire, eUK (ibeatdebt.com), ke musa ukubambeka ngakwicala lokucinga ukuba ukhawulelwe kwenye okanye iindlela ezimbini!
Into ayenzileyo uEves yinoveli yokwenyani, uvela kumdlalo kamabonwakude kwaye ufumana umvuzo owoneleyo wokucima isiqingatha setyala lakhe. Ukungahambelani, ewe. Ngaphandle kweBhokisi? Ngokuqinisekileyo? Iyenzeka? Sive izimvo ezimbi ngakumbi.
Unazo izinto oza kuzithengisa kwi-Intanethi? Ukusuka kwi-eBay ukuya kwiCraigslist ukuya ePoshmark nangaphezulu, akuzange kubekho xesha lingcono lokufumana elona xabiso lezinto onokuphila ngaphandle kwazo.
Ngaphezu kwako konke, musa ukurhoxa. Ukuphepha unxibelelwano lwabatyali kwenza imicimbi yakho yezemali ibe mandundu. Ukuphepha ukunxibelelana nabantu abaqhelekileyo kunokukhokelela kuxinzelelo kunye neemvakalelo zokuphelelwa lithemba.
Kukho uxinzelelo oluninzi kunye nobunzima bezezimali, ke ukwenza izinto ukugcina umoya wakho ubalulekile kubalulekile, utshilo u-Olga Kirshenbaum, umnini weRags to Riches Consulting. Ukuya kwimicimbi yokunxibelelana kunye nokuvolontiya kunokuba yindlela yokuhlala uxakekile kwaye uqhagamshele, mhlawumbi kungakhokelela emsebenzini wakho olandelayo.
Ungabuya ngeenyawo zakho. Kwaye ungayenza ngokukhawuleza kunokuba ucinga. Thatha inyathelo, unxibelelane, nxibelelana neengcali, uhlale unxibelelana kwaye uthathe ulawulo. Uyakumangaliswa ukuba uphi ngeli xesha kunyaka ozayo.
Iziphumo zokungahlawuli
Mamela, kuyenzeka. Inkcitho engxamisekileyo iyavela. Uhlaselwa yimeko kaxakeka yezonyango okanye intlekele yendalo. Urhulumente wobumbano uvale ngaphezulu kwenyanga. Okanye mhlawumbi ungaphezulu kohlahlo-lwabiwo mali. Nokuba siyintoni na isizathu, akukho nto ilungileyo ivela ngokungahlawuli amatyala akho ekhadi letyala. Yonke into ikhona kwisivumelwano somkhupheli wayo.
Ukongeza nje koloyiko: Ukuba ungemva kwiintlawulo zakho, ungaze ucinge ngokuzama ukuqokelela iimayile zakho okanye amanqaku amabhaso.
Ukuhlawulwa emva kwexesha
Ukuhlawula kade kunokubangela intlawulo yasemva kwexesha efikelela kwi- $ 25 kwityala lokuqala. Kwaye yongezwa ngokuthe ngqo kwimali yakho eseleyo, ikunika ngakumbi ukuba uyihlawule. Emva kwexesha ukuhlawulwa kade kungakhokelela kwimirhumo ephezulu, ukuya kuthi ga kwi-35 yeedola.
Iindaba ezimnandi zezokuba umrhumo wokuhlawulwa kade awunakuba phezulu kunentlawulo encinci ekufuneka uyihlawulile. Ukuba ufike emva kwexesha ubuncinci beedola ezili-10, umrhumo wakho ofike emva kwexesha awungekhe udlule kwi- $ 10. Ngenxa yoko, uninzi lwabakhuphi bekhadi letyala baseta iintlawulo zabo ubuncinci kwi- $ 25 okanye nangaphezulu.
Impembelelo kwiAPR yakho
Esinye isizathu sokuqhubeka: Iiakhawunti ezifike kade kwiintsuku ezingama-60 zokugqibela zingena kwinqanaba lokunyuka kwenzala, ukuya kuthi ga kwi-30% kwezinye iimeko.
Kubi, akunjalo? Okubi nangakumbi, isivumelwano sakho singachaza, nangona uya kufaneleka ukuhlengahlengiswa kwi-APR kuthengiso lwangaphambi kwesohlwayo ukuba uhlawula kwangexesha iinyanga ezintandathu, inqanaba lesigwebo lingaqhubeka ngokuthenga okutsha ngokungapheliyo.
Ukuba ujongana nemithwalo yamakhadi etyala, kukho izinto ezimbalwa ekufuneka uzigcine engqondweni:
- Abanye abaniki bamakhadi abanazo iirhafu njengenxalenye yezivumelwano zabo. Jonga izivumelwano zakho ukuze ubone ukuba kunjalo nawaphi na amakhadi akho.
- Ukuba unenzala yekhadi lenzala, qiniseka ukuba uligcina lihlaziyiwe, okanye ungaphulukana nenqanaba lakho lentshayelelo.
- Ukuba unamakhadi angaphezu kwelinye kumnikeli kwisipaji sakho, ukubambezeleka kwelinye lala makhadi kunokunyusa i-APR kwezinye.
Impembelelo kumanqaku etyala
Kunye nemirhumo ephezulu kunye nee-APR, ukubhatala kade okanye emva kwexesha kunokuhlisa amanqaku akho etyala. Into enomdla kukuba, abaniki bamakhadi kunye neearhente zokunika ingxelo ngetyala baneenkcazo ezahlukeneyo zokulibaziseka. Ngelixa umntu obolekayo enokunyanzelisa iifizi kunye nezinye iintlawulo kusuku lokuqala emva komhla omiselweyo, iakhawunti yakho ayilobugwenxa emehlweni amaziko agcina amatyala de kudlule iintsuku ezingama-30.
Ukuhlawulwa kwangexesha kwenza iipesenti ezingama-35 zenqaku lomthengi lokuthenga ngetyala, ngenxa yoko ukuhlawula kade kunokubonisa isohlwayo esikhulu. Umntu onerekhodi engenachaphaza unokufumana amanqaku angama-100 ngentlawulo enye yasemva kwexesha. Abo banembali encinci yamatyala aphulukene namanqaku ambalwa ngenxa yokuhlawulwa kade; ukungathembeki sele kwakhiwe kumanqaku akho.
MyFICO.com Ibeka ngokucacileyo: iintlawulo ezongezelelekileyo ezihlawulwe kade, kunye neentlawulo ekufuneka zihlawulwe kwiintsuku ezingama-60 okanye ezingama-90 okanye nangaphezulu, zinokuvala amanqaku ekhredithi, njengoko zinokungena ekuhlawuleni amatyala (apho lowo ubolekayo amkela imali engaphantsi kwemali ayityalayo)
Intsomi yentlawulo engaphelelanga
Abakhuphi bekhadi letyala abaniki amabhaso ngokuthatha kwakho inxaxheba. Oko kukuthi, abayi kubaxolela abo bahlawula kade ngenxa yokuthumela ngaphantsi kwesixa-mali esityala. Kwimeko yokungabikho kwezivumelwano zangaphambili, umntu obolekayo uza kuthathela ingqalelo intlawulo yenxalenye ngokulinganayo nentlawulo yasemva kwexesha.
I-caatat enye: iintlawulo ezininzi zenxalenye ezihlangana okanye ezigqithileyo kubuncinci kwaye zifike ngaphambi komhla omiselweyo ziya kugcina igama lakho elihle.
Utywala
Ukucinywa kwenzeka xa umniki wekhadi egqiba ukuba ityala alinakuqokelelwa, elenzeka ngokubanzi xa iakhawunti ineentsuku ezili-180 ezidlulileyo, oko kukuthi, iinyanga ezintandathu ngaphandle kwentlawulo encinci. Isaphulelo sivumela otyalwayo ukuba afune ibango lokutsalwa kwirhafu kumatyala amabi; Oku, nangona kunjalo, oko akuthethi ukuba umntu onetyala akalilo ikhonkco.
Umnikeli angaqhubeka nokufuna oko kutyalwa ngearhente yokuqokelela, okanye athengise iakhawunti ngesaphulelo esikhulu; wena, nangona kunjalo, uya kuhlala kwikhonkco ngesixa esipheleleyo.
Ukuba ityala lakho lithengisiwe, qiniseka ngokuqinisekileyo, ukuba uzimisele kwaye uyakwazi ukwenza amalungiselelo entlawulo, uthumela imali kumnini omtsha weakhawunti yakho. Ukuqokelela ubuqhetseba kuninzi kwaye kuxhoba abantu abangabandakanyekanga abanamatyala.
Kwaye, unokuthembela kumanqaku akho etyala ukuba ufumane iliso elimnyama eliya kuthi gqi ukuya kwiminyaka esixhenxe. Isaphulelo, kunye nerekhodi lokuhlawulwa kade, kuya kwenza ukuba kube nzima ukufumana ikhredithi entsha, ukusuka kwi-mortg ukuya kwi-auto kunye nokubolekwa kwemali kumakhadi etyala amatsha. Usenokufumana enye, kodwa iya kuza nenqanaba eliphezulu kakhulu lenzala.
Kwakhona gcina oku engqondweni: Ukuba unokuxoxa malunga nokuhlawulwa kwemali engaphantsi kwesixa-mali osityalayo, unokuba noxanduva kwi-IRS ngesixa-mali esixolelweyo. Nxibelelana neengcali zerhafu yengeniso malunga nokulungiswa.
Ngamafutshane, malunga nokucinywa, awufuni ukuya apho.
Abaqokeleli bamatyala kunye namatyala
Yiba nezokhuseleko: Nje ukuba bafumane amalungelo kwityala lakho, iiarhente zokuqokelela ziya kukulandela. Yinto abayenzayo.
Ngelixa kuthintelwe ngumthetho ukuhambisa ukungcungcuthekiswa, izoyikiso, okanye iingxelo ezingezizo, iiarhente zokuqokelela ziya kuqhubeka, ukuya kuthi ga kwinqanaba elithile, kwaye ziya kuqhakamshelana nawe ngeendlela ezahlukeneyo: umnxeba, isicatshulwa, i-imeyile, iposi rhoqo, de ube unxibelelana naye ngokubhala. , ukumkhupha. Ukupheliswa kunye nokuyeka ileta ethunyelwe ngeposi eqinisekisiweyo yeyona ndlela yokumisa unxibelelwano.
Emva koko, kunokwenzeka ukuba uve kubo kabini kuphela: kube kanye ukukuxelela ukuba bayayeka ukunxibelelana kwaye bakuxelele kanye (okanye igqwetha lakho, ukuba umelwe kuloo nto) ukuba baye bamangalela ukuzama ukubuyela kwimeko yesiqhelo. Ityala.
Ukuba ufumana isupina, yibeke kwikhalenda yakho. Ukungabonakali komhla wenkundla kuthetha ukuba ulahlekelwa ngokuzenzekelayo.
Ukuba umniki wekhadi okanye iarhente yokuqokelela iphumelela isigwebo enkundleni, oko kuthetha ukuba ijaji iyalela ukuba uhlawule, iziphumo ziya kuxelwa kumaziko agcina ityala, ukunciphisa amanqaku akho ngetyala.
Ukuba uyalelwe ukuba uhlawule, unokuhombisa umvuzo wakho kunye / okanye ukhenkce iiakhawunti zakho zebhanki. Ukongeza, unokuhlawuliswa imali ehlawulwa ngumniki wekhadi okanye iarhente yokuqokelela amanyathelo afunekayo ukuzama ukuqokelela.
Iphepha elichazayo ukuba awusenanto oyifunayo:
Eli linqaku elinolwazi.
I-Redargentina ayiniki ngcebiso zomthetho okanye zomthetho, kwaye ayenzelwanga ukuba ithathwe njengengcebiso yezomthetho.
Umbukeli / umsebenzisi weli phepha lewebhu kufuneka asebenzise olu lwazi lungentla kuphela njengesikhokelo, kwaye kufuneka asoloko eqhakamshelana nemithombo engentla okanye abameli bakarhulumente bomsebenzisi kolona lwazi luhlaziyiweyo ngelo xesha, ngaphambi kokwenza isigqibo.
Imithombo:
Porter, T. (2018, Novemba 17) ityala lasekhaya laseMelika liphantse layi- $ 1 trillion ngaphezulu kunangaphambili ngaphambi koqoqosho lwango-2008. https://www.newsweek.com/american-household-debt-nearly-trillion-dollars-higher-it-was-2008-recession-1220615
URichter, W. (Novemba 20, 2018) Ukunyuka okuphezulu komngcipheko: Ubugwenxa bekhadi letyala busencotsheni yengxaki yemali kwiibhanki ezincinci ze-4,705 zase-US. Ibuyisiwe kwi https://wolfstreet.com/2018/11/20/subprime-rises-credit-card-delinquencies-spike-past-financial-crisis-peak-at-smaller-banks/
I-Saad, L. (ngoMeyi 3, 2018) Ukuhlawulwa kweengxaki zonyango, uloyiko lomhlala-phantsi kwezemali. Ibuyisiwe kwi https://news.gallup.com/poll/233642/paying-medical-crises-retirement-lead-financial-fears.aspx?
Irby, L. (2019, EyoMqungu 7) xa ungekhe uhlawule ubuncinci kwiKhadi lakho letyala. Ibuyisiwe kwi https://www.thebalance.com/cant-make-minimum-credit-card-payment-961000
UFontinelle, A. (Novemba 21, 2018) 6 Iimpazamo ezinkulu zeKhadi letyala. Ibuyisiwe kwi https://www.investopedia.com/articles/pf/07/credit-card-donts.asp
U-O'Shea, B. (2018, Agasti 7) Ukuhlawulwa kade kukuchaphazela njani ityala lakho? Ibuyisiwe kwi https://www.nerdwallet.com/blog/finance/late-bill-payment-reported/
Iziqulatho
- Yiyo eyenzekayo xa ungalihlawuli ikhadi lakho:
- Kufuneka wenze ntoni xa ungakwazi ukuhlawula
- Ungalufumana phi kwaye njani uncedo
- Nxibelelana nabaniki bamakhadi
- Fumana uncedo lwangaphandle
- Ukujonga igama B: Ukuchithwa
- Hlola indlela oyisebenzisa ngayo imali; Phinda uhlaziye uhlahlo-lwabiwo mali
- Yongeza imijelo yengeniso
- Iziphumo zokungahlawuli
- Ukuhlawulwa emva kwexesha
- Impembelelo kwiAPR yakho
- Impembelelo kumanqaku etyala
- Intsomi yentlawulo engaphelelanga
- Utywala
- Abaqokeleli bamatyala kunye namatyala
- Iivesi zeBhayibhile ezikhuthazayo malunga ...
- Uyithenga njani imoto ngaphandle kwetyala
- Ikhadi lam ledebithi libiwe bakhupha imali, ndenza ntoni?
- Yintoni eyenzelwe i-SEBRYL SHAMPOO?
- Ungasifaka njani isicelo sekhadi letyala leWalmart
- Urenta njani indlu ngaphandle kwetyala eMelika?