Funda Ukuqokelela Imali Ngokukhawuleza, Thatha abaTyala kwiNkundla, kwaye ulalele iMithetho yeMatyala
Yonke ishishini elincinci lihamba ngemali, kwaye imali ingena kuphela xa uqokelela imali efunekayo. Ukuseka inkqubo yokuqokelela amatyala, kunye nokuhlawula, ukuphathwa kweemali ezifunyenweyo, kunye neenkqubo zokuqokelela ezibandakanya inkundla yamabango amancinci kwaye ahlala kuMthetho woTyala loTokelo lweMatyala. Qala ngoku ukuze ufumane imali yabathengi bakho.
01 - Indlela yokuhlawula
Ukuseka inkqubo yokuqokelela amatyala xa uqala ukuqala ishishini lakho, qhubeka uguqula ukuphucula ukuqokelela kwakho, kwaye uya kukwandisa ukuhamba kwemali yakho kwiimali ezifunyenweyo.
02 - Setha inkqubo yakho yokuhlawula
Ngaphambi kokuba uqale ibhizinisi lakho, kuthatha ixesha ukujonga indlela uza kuhlawula ngayo abathengi. Ukuhlanganisa inkqubo yokuhlawula kunye nesicwangciso kuza kukunceda uqokelele imali ethe xaxa. Uza kuhlawula kaninzi? Uza kuthetha njani nabathengi abanemali kuwe? Ngaba uya kufowuna? Thumela iileta? Zombini?
Musa ukulinda de ube neetoni ezifunyenweyo zokuqokelela. Qala ngoku ukuhlakulela le nkqubo, uhlale ukhumbula uMthetho we-1.
03 - Hlalana noMthetho weeNgxowa-mali zoTyala eziTyala (FDCPA)
UMthetho Wezenzo Zokuqokelela Amatyala EzeMthethweni (FDCPA) awusebenzi kubathengi bebhankini, kodwa kufuneka uhlale nawo xa uzama ukuqokelela imali kubathengi. UMthetho ukhusela abathengi ngokuchasene nokuhlukunyezwa kwangasese ngababolekisi kwaye ulawula ukuba ngubani ongathintana naye, ukuba kaninzi kangakanani, nokuba ungayibonisa njani. Abathengi banokuzithethelela abaqokeleli-mali, ngoko nceda sifunda le ngqaku ngaphambi kokuba uxhumane nabathengi malunga namatyala afunekayo kwi shishini lakho.
04 - Sebenzisa iiNgxelo eziguguleyo zeNgxelo zokuguga ukuHlola iIqoqo
Ingxelo eguguleyo yokuguga iyisitye esibalulekileyo ekukuncedeni ukubeka iliso kwiimali ezizeleyo kwaye ubone oko kufuneka ukuqokelelwa. Le ngxelo ingakubonisa ukuba ubani obolekileyo kangakanani kwaye kangakanani ixesha elingenakuhlawulwa. Ngolu lwazi, ungasetha isicwangciso sakho sokuqokelela kubathengi ngabanye.
05 - Thatha iikholeji zakho kwiNkundla yamabango amancinci
Inkundla yamabango amancinci yinto enhle yokuqokelela imali enetyala, ukuba imali ehlawulwayo encinci (ngaphantsi komda omncinci wamabango akho) kwaye awukulindelanga ukwenza ishishini kunye nalo mthengi kwakhona.
06 - Ukuba Amaqoqo Akho Amaqhinga Awusebenzi
Ukhumbule uMthetho # 2 ngaphezulu? Abanye abantu abayi kuhlawula, kungakhathaliseki ukuba wenza ntoni. Ngoko, yintoni na ngoku? Fumana indlela yokubhalwa kwetyala elibi ekupheleni konyaka kwaye uthathe ukuncitshiswa kwentlawulo ngokulahlekelwa kweentengiso.
07 - Thengisa iiAkhawunti zakho ezifumanekayo
Ukuthengisa i-akhawunti efunyenweyo yinto eqhelekileyo yezoshishino ezibizwa ngokuthi "ukufaka imali." Ungathengisa iimali zakho ezifunyenweyo kumntu oza kukuhlawulela ngenxa yexabiso elincinciweyo, kunjalo. Emva koko umcimbi uqokelela imali. Ukuba ungekho mfutshane, imali yokwenza imali ingayindlela efanelekileyo yokuphakamisa ngokukhawuleza.