Ulwazi ngezimali: kanjani ukuqeda izikweletu emalini ebolekwe?

Kwenzeka ukuthi ukutholakala kwemikhiqizo credit kudlala ihlaya elibi nabantu ngeke sikwazi ukusebenzisa imali futhi uhlelo izindleko. Imiphumela - izikweletu engasihileli Umlando wokukhokha kwemali, ukucasula izinzwa lo mbuzo: "Indlela ukuqeda izikweletu?" Nokho, ngenxa yokuthi isimo ngasinye kukhona indlela. Ake sibheke nezinqubo phezu-wokukweleta.

Okokuqala, ukwenza uhlu izibopho zabo: ubani, kungakanani futhi lapho ukubuyela. Into "Imininingwane" kungenzeka ngimangele, kodwa isinyathelo sokuqala likhishiwe.

Indlela ukuqeda wesikweletu izikweletu, uma eziningi kubo? Qala ngokuhlakanipha akhokhe izikweleti. Uma eziningi ukubolekisa, kwasekuqaleni ukuze ukhokhe nge kakhulu "ezibizayo" (ogqoke enkulu kunezinye).

Lena akuyona ukuvimbela delinquencies asele ngalesi sikhathi kwetindlu letibita kancane amakhadi esikweletu, ungakwazi ukukhokha imali elinganiselwe.

Uma une-credit card kanye nenzalo ongaphakeme, ikhokhelwa off ngosizo izikweletu ephakeme zenzalo.

Uma ucime loans eqolo, qala ukucisha esiphezulu eyodwa amacala, "ezincane". Uzobona ukuthi isibalo loans incipha, okuyinto nakanjani kuthinte isimo ukuze lizuze ezinye izibopho.

Uma kungenzeka, zama ukuba sizinake ngaphezu inani ukukhokhelwa okungenani ku credit card, ngoba isithakazelo ibalwa njalo ngosuku ngaphezu kwabo nsuku zonke. Akubalulekile yokwelula sokukhokhwa izinkokhelo credit card okungenani, ngoba afakiwe ngokugcwele ikhomishini futhi isithakazelo. Duty eyinhloko senyanga okukhokha esincane nje kuyingxenye encane, okwabangela ukusetshenziswa isikhathi eside lemali futhi kukhulisa umboleki ngokweqile.

Uma ubona ukuthi ngeke kungekho delinquencies ongakwenza, wafaka ebhange ngokuya ithandwa. Imizamo yokufihla futhi zinyamalale kukhona alunamsebenzi njengoba ukususa izikweletu izokunikhulula futhi akekho omunye kuphela. Namuhla, amabhange abaningi bayahamba ukuhlangabezana umboleki, uma isixwayiso kusengaphambili lesi simo siyaphuthuma futhi akenqabi ukuba ikhokhe izikweleti zazo. Lokhu kubizwa ngokuthi ukuhlelwa kabusha kwesikweletu - kuncishiswe inani izinkokhelo zenyanga ngokwandisa eside loan kanye nezinga lenzalo.

Impendulo elandelayo yombuzo kanjani ukuqeda izikweletu - ukubeka ukuze ibhajethi yakho. Isimiso eyinhloko nokuphatha izimali siqu - izindleko ephansi, imali engaphezulu.

Okokuqala, ukuqala ukurekhoda izindleko zakho. Dala uhlelo excel spreadsheet nsuku zonke ukwenza zonke ruble wachitha sokuhlukanisa izindleko iqembu (isibonelo, "ukudla", "izingubo", "Ezokuzijabulisa", "izingane", "ukuxhumana mobile", "amagajethi", "iqashwe", njll) . Ezinsukwini ezimbalwa ngemuva kokuqala siqhuba idayari zezimali kuyoba nesifiso sokungafuni imali ngokweqile. Bala amaqabunga amaningi indlela imali ngenyanga ngayinye nto, futhi siyini isabelo yayo kule izindleko ingqikithi. Cabanga ukuthi kungenzeka ukunciphisa kubo, ukukhomba bubanti ukonga.

Gwema ukuthenga kwengozi noma bengahlosile. Cabanga kwamasonto ambalwa, ukuvumela imizwa izinze. Uma wenze isinqumo unolwazi, ukuthi into sisadingeka, uqhathanise amanani, funda ukubuyekezwa kanye ukuthenga.

Ukususa izikweletu? Phila ngokwemali onayo, usebenzisa imali engaphansi kwaleyo oyiholayo. Buyisela ukulethwa pizza futhi imiqulu ku ukudla okuphekwe ekhaya, okubhaliselwe a club imfanelo - ejimini noma ukugijima, uya club - ukulala. Phonsa ukuphuza utshwala noma ukubhema - futhi namanje ugcine on imithi.

Yandisani imali engenayo: Thola umsebenzi noma ingxenye okwesibili, ku umsebenzi wamanje imisebenzi yakhe ukuze ephakanyiswe iholo, baqonde amaphrojekthi eziyinkimbinkimbi, ekhuthele futhi bekhuthele.

Thengisa izinto ezingafuneki noma angadingeki.

Ngemuva kokwenza i-yasebhange zokugcina ruble izikweletu noma kunjalo ayisekho ukuthatha ukubolekisa, ngakho ukususa izikweletu - yinde futhi kunzima, futhi injabulo yokufuna kuthatha esingaphansi ishejuli yenkokhelo.

Yebo, credits kudingeka. Ukuze ukuthenga emikhulu Ungagcina kuze kufike ukuguga, futhi ngifuna ukuhlala khona manje. I loan ulungisiswa uma kuhloswe ngcono kwesikhathi eside isimo sezimali noma ukuthengwa imishini esibalulekile. Ngokwesibonelo, nokukhokhela esikhundleni iqashwe nyangazonke futhi loan imoto eyomsebenzi zokuthutha umkhaya nsuku zonke.