Ukuqala kwam ukuzingela indlu ndineminyaka engama-25, ndandisazi ukuba amanqaku am etyala aphantsi kakhulu ukuba angabambisa ngempahla. Kunyaka ongaphambili, kwakunzima ukuba ndibambe imali mboleko yemoto yam. Endaweni yokuncama, ndemba amanqaku am etyala ngokusebenzisa iCredit Karma.
Ndifumene iimpazamo kwikhredithi yam, njengebhili eqokelelweyo evela kugqirha iinkonzo zakhe ndingakhange ndizicwangcise okanye ndizifumane. Iiakhawunti ezininzi bezilahlekile kwingxelo yam. Ndisebenzisa isixhobo kwiwebhusayithi yeKredithi Karma, ndazichaza iimpazamo kwiTransUnion nakwi-Equifax. Ndabhatala imali yam eseleyo kangangoko ndandinako kumvuzo wam wobutitshala wam.
Ngexesha lokufumana kwam iphupha lam ekhaya kwinyanga kamva, bendizokwazi ukuphakamisa amanqaku am ngetyala amanqaku angama-30, kwaye ndangxama a Ileta yemvume yobambiso Kwimanyano yam yamatyala.
Ngelixa ukubuyisa imali ngetyala kungavakala kulungile kakhulu ukuba kuyinyani, ezi ngcali ziyavumelana nam. Kwaye ukusukela ngoko, ndiye ndafumanisa nokuba iihacks ezingaphezulu zokunyusa inqaku lam letyala. Landela iingcebiso zethu ukuba ujonge ukuphucula amanqaku akho ekhredithi kwithuba elingaphantsi kweentsuku ezingama-30:
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: BONNINSTUDIO / Stocksy)
kuthetha ntoni ukubona u-1010
Ukuphucula ukusetyenziswa kwekhredithi yakho
Inqanaba lokusetyenziswa kwakho yipesenti yekhredithi oyisebenzisayo kwisixa esipheleleyo sababolekisi. Ukusetyenziswa kwenza malunga Isinye kwisithathu samanqaku akho etyala , ke ukuba ujonge ukulungisa ityala lakho, ukusetyenziswa yindawo oza kuqala kuyo.
Xa usebenza nabathengi abajonge ukufumana imali mboleko, kodwa amanqaku abo etyala achaphazela kakubi ukhetho lwabo, into yokuqala endikucebisayo kukuba uhlawule onke amakhadi etyala aneebhalansi ezikufutshane nomda, utshilo uLesley Tenaglia, iarhente yobambiso Iimali-mboleko zikaLesley . Iqondo lokusetyenziswa kakuhle ngokubanzi kucetyisiwe ukuba ngaphantsi kweepesenti ezingama-30-nangona ezantsi zingcono kakhulu.
Ukuba awukwazi ukuhlawula iiakhawunti zakho kakhulu, kodwa unembali elungileyo yokuhlawula, cinga ngokucela ukonyuswa komda wetyala.
Tsalela umnxeba inkampani yakho yekhadi letyala kwaye ubone ukuba ukulungele na ukonyuka kumgca wokuthenga ngetyala, utshilo uLauren Anastasio, nxibelelana nomcwangcisi wezemali e I-SoFi . Ababolekisi abaninzi baya kwenza esi sigqibo ngokusekwe kwimbali yakho yokuhlawula hayi ibhalansi yakho yangoku, kwaye ngesiqhelo ngekhe baqhube naluphi na uhlobo lokubuza ngetyala. Xa uphethe ibhalansi, ukwandisa umgca wakho wekhredithi kunceda ukunciphisa umyinge wokusebenzisa.
Ukuba ngaphezulu kwenyanga ukonyusa amanqaku akho etyala, cinga ngokuvula iakhawunti entsha.
Ukuba uvula amakhadi amatyala amatsha ngemilinganiselo ephezulu yokuthenga ngetyala, kodwa ugcine ukusebenzisa kwakho ityala liphantsi kakhulu, amanqaku akho onke okuthenga ngetyala aya kunyuka, utsho uLou Havery, iCFA Umhlalutyi wezeMali ngaphakathi . Amanqaku akho aya kuthatha ukubetha okuncinci ngekhadi elitsha, kodwa ayakugqibela ngokwanda kwiinyanga ezintandathu ezizayo.
Susa iimpazamo kumanqaku akho
Nangona kunokubonakala ngathi amaziko agcina imali ngetyala aza kujonga iirekhodi zakho, kusenokwenzeka ukuba uneempazamo kumanqaku akho etyala ukuba awugcini iithebhu kuwo rhoqo.
Ukuba kukho iimpazamo, ndiyakhuthaza umxhasi wam ukuba azisuse i-ASAP ukuphucula amanqaku, utshilo uTenaglia. Ikhredithi yakho ayisiyonto yokudlala ebomini bakho. Kuya kufuneka ugcine imbali elungileyo kwaye uqhubeke ukuyibeka esweni inyanga nenyanga ukuqinisekisa ingxelo echanekileyo kwaye akukho buqhetseba.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: UGuille Faingold / uStocky)
Yiba ngumsebenzisi ogunyazisiweyo
Ukuba ufuna inqaku elikhulu lokuthenga ngetyala ngokukhawuleza, ukuba ngumsebenzisi ogunyazisiweyo kunokuba lolona khetho lwakho. Nangona kunjalo, uyakufuna umntu osondeleyo kuwe oya kukuthemba ngetyala labo.
Ukuba ngumsebenzisi ogunyazisiweyo kukuvumela ukuba ubuyise i-piggyback kumnini wekhadi ophambili kumda wekhredithi kunye nokuhlawulwa kwangexesha, utshilo uPriyanka Prakash, ingcali yokuboleka kunye nokuthenga ngetyala Cinga . Uya kufumana ukonyuka kwangoko kumanqaku akho etyala angama-30 ukuya kwali-100 kumanqaku ngenxa nje yokuba unamatyala amaninzi kuwe, ukunciphisa ukusetyenziswa kwekhredithi yakho xa iyonke.
Olu lukhetho olukhulu kubantu abaqala ngembali yemali encinci kakhulu. Inye kuphela yeentsuku ezingama-30 yokujikeleza ngetyala yanele ukuphucula amanqaku akho etyala. Qiniseka ukuba ukhetha umnini wekhadi eliphambili ngobulumko. Ukuba umnini-makhadi ophambili uwa ngasemva kwiintlawulo, oko kunokulimaza amanqaku akho etyala.
Sukuvala iiAkhawunti zakho
Nantoni na oyenzayo, ungavali iiakhawunti zakho-kwanezo ungazisebenzisiyo.
Inombolo yeengelosi ezingama-555 ezinentsingiselo
Ukuba unekhadi ixesha elide kwaye ungasalisebenzisi kwakhona, cinga ngokuligcina livulekile ukuba akukho ntlawulo yonyaka, utsho uAnastasio. Amakhadi okuvala anokunyusa izinga lokusetyenziswa kwakho ngokunciphisa ikhredithi yakho ekhoyo kunye nokunciphisa ubude bembali yakho yamatyala, elinye icandelo lamanqaku akho etyala.
Ukongeza, sukukhawuleza ukuhlawula imali mboleko-ityala elidala likunika imbali ende yetyala. Ayisiyonto imnandi: Ukuhlawula eyakho mboleko zabafundi Unokuphelisa ukunciphisa amanqaku akho (okwethutyana) kuba ihlala isusa eyona akhawunti yakho indala yokuvula.
Gcina Ncamathisela Bona eminye imifanekiso (Ityala lemifanekiso: Imifanekiso eqingqiweyo kaAlto / iStocky )
Ukuba ungaphezu kwentloko yakho…
Funa uncedo lweengcali. Hayi, nyhani!
Eyona nto iphambili endiyaziyo ngokukhulisa amanqaku akho etyala yinto efanayo ekufuneka uyenzile ukuba uzame zonke iindlela zokutya kwaye wasilela, utsho UWoward Dvorkin , umgcini zincwadi mali oqinisekisiweyo nosihlalo we Ityala.com . Fumana uncedo lweengcali. Kwimali yakho, loo nto ayibizi kangako kunokubonana nengcali yokutya. Kungenxa yokuba kukho into ebizwa ngokuba 'kukucebisa ngetyala.' Unokufumana uhlalutyo lwetyala lasimahla kwiarhente yokucebisa ngetyala engenzi nzuzo. Banokucebisa ngento ebizwa ngokuba 'yinkqubo yolawulo lwetyala,' apho amaqabane angenzi nzuzo kunye nababolekisi bakho kwaye basebenza isicwangciso sokuhlawula esinokunciphisa intlawulo yakho yenyanga ukuya kuthi ga kwi-30 okanye kwipesenti ezingama-50.
11 11 ingelosi enentsingiselo
Sukuyilungisa kwaye ulibale
Emva kokuba uhlaziye ikhredithi yakho, kulinga ukuyibeka ecaleni. Kodwa ekugqibeleni, eyona ndlela yokugcina amanqaku aphezulu etyala kukugcina iithebhu kumanqaku akho etyala rhoqo ngenyanga.
Awungekhe ukhawulezise kwindlela yakho yokuthenga ngetyala, utsho uMichael Cetera, umhlalutyi wekhredithi FitSmallBusiness.com . Eyona ndlela yokuphucula ikhredithi yakho kukuba ube ngumsebenzisi wekhadi onoxanduva ekuhambeni kwexesha. Oku kuthetha ukuhlawula amatyala akho ngexesha inyanga nenyanga kwaye nokugcina iibhalansi zakho ziphantsi xa kuthelekiswa nokuba uneemali ezingakanani.
