Ukuthengisa nge-eBay kungaba ngumdla wokuzonwabisa, kodwa isibini esithile sithetha ukuhlawula imali engama-77,000 engama-loan engumfundi kwiminyaka emithathu nje. UKate nomyeni wakhe u-Josh banqobile intaba yetyala ngokusebenzisa imithetho ye-Dave Ramsey, eBay kunye nokuziphatha. Ndenelungelo lokudliwano-ndlebe nomthengisi onxulumene naye eBay, uKate, owayenomusa ngokwaneleyo ukuxelela ibali lakhe. Imali-mboleko kaKate yenziwa ngo-2008, kwaye umyeni wakhe uJosh watyala imali ngo-2005.
Baqala ukuhlawula amatyala abo ngo-Agasti ka-2014. Ukuba ujongene nentaba yetyala, le nkcazelo iya kukukhuthaza ukuba uyilwe, kunye nokubonisa ukuba i-eBay inokuhambisa iintaba.
Uya kuphi ekholejini, yiziphi iidiski ozifumanayo, kwaye imfundo yakho ithatha ixesha elingakanani?
UJosh waya kwiNgqobhoko yeKholeji kwiRoyal Royal, i-VA kwaye ndaya kwiYunivesithi yamaKatolika eWashington, DC Josh washiya emva komnyaka wakhe wokuqala ngenxa yobunzima bezemali kwaye ndashiya emva komnyaka wam wokuqala emva kokuqonda ukuba ndodwa ndibe yi-$ 100,000 kwiityala ukuze ndifumane Isiganga se-Bachelor ukuba ndihlala apho. Sonke sibuyele ekhaya size siqhubeke nemfundo yethu kwi-Onondaga Community College (OCC) eSyrause, NY.
UJos wayefunda ubulungisa bezobugebengu ngenkathi efundisa isiLatin ixesha elipheleleyo kwisikolo samabanga aphakamileyo aseKatolika. Waqhubeka utshintshe indlela yakhe yeekholeji xa wagqiba ekubeni ufuna ukuqhubeka nomsebenzi wemfundo kwaye waqhubeka nokugqiba i-Bachelor's degree kwiYunivesithi yaseSyrase esebenza ngexesha elipheleleyo njengotitshala kunye nesikhathi esithile kwiTgethi.
Ndayigqiba idigithi yam osondeleyo kwi-OCC kwaye ndaya eSyrasekisi nge-semester. Ndagqibela ukubuyela kwi-OCC emva kokuba ndamkelwe kwiProgram yoNcedisayo oyiPhysical Therapist ngexesha lokuwa ka-2011. Thina bobabili baphumelela ngo-Oktobha ka-2013 kwaye ndatshata ngalehlobo elifanayo, ngokungazenzisiyo ndingazi kakuhle inani lemali esiye senziwa ngokubambisana.
Ziziphi iimali zokuqala zemali mboleko?
Ama-77,000 ayi-77,000 achithekile phakathi kweemali ezincinci zemali-mboleko kubo bobabini bethu ootitshala.
Wavakalelwa njani ngenxa yemali eninzi?
Ngaloo nyaka wokuqala womtshato sasiyingozi kakhulu ngemali. Sasingenaso isabelo-mali kwaye sasingakhange sijonge kwisikwere sethu somfundi njengoko ininzi yabo yayisesikweni. Sasibabini sisebenze ixesha elipheleleyo, uJosh sifundisa kunye nathi njenge-PTA kwikliniki yangaphandle. Xa sifunde intsapho yethu ikhula ukusuka ku-2 ukuya ku-3 uJosh waqala ukukhangela imisebenzi eya kumvumela ukuba axhase intsapho yethu. Sonke sisuka kummandla wonxweme lwaseMpuma ngokuqhelekileyo waqala ukucinga kwakhe kuloo mmandla wase-US kodwa xa ithuba elibonakalayo eMinneapolis, MN sagqiba ekubeni siye kwintshona kuloo msebenzi. Ndineenyanga ezisixhenxe nesiqingatha ndithi ndikhulelwe ngelo xesha kwaye kwakunzima ukukrazula, ndishiye umsebenzi ndiwamthandayo, kwaye ndaya kwindawo apho sasingazi mntu.
Ndaye ndagqiba ekubeni ndifuna ukuhlala kumama wamakhaya kwaye ekubeni ndandisondele kakhulu ekuhambiseni intombi yethu andizange ndikhange umsebenzi xa sifika eMinnesota. Emva kweveki yokuqala, ndayikhupha yonke indlu kwaye ndandithuka njengoko ndingasetyenziswanga ukuba nexesha elininzi lokukhululeka. Ndifumene iibhidi ezimbalwa zamaphepha kwiimboleko zethu zabafundi kwaye ndahlala phantsi ukuze ndibone ukuba sininzi kangakanani.
Emva komhla wefowuni, ukulinda ekubambeni kunye nophando lwekhompyutheni ndaqulunqa uluhlu lwamatyala ethu. Sasinezigidi ezingama-6 000 zama-dollar kwikhadi lesikweleti, amawaka asixhenxe kwimali-mboleko yemoto, kunye ne-70,000 zama-dollar ayizigidi zemali-mboleko! Umyeni wam wayengazi ukuba kuza ntoni xa efika ekhaya kumfazi ogxininisekile kwaye wesaba ngaloobo busuku.
Ndahlala phantsi etafuleni ekhitshini ndaza ndambonisa incwadi endiyizalisile ndiyigcwalise loo mini idiliza amatyala, inani, ababolekisi bemali-mboleko, amaxabiso enzala kunye nenani lamatyala ethu. Ukufunyanwa kwethu kusishiye ngeentliziyo ezinzima. Enye yezikolo eziphambili ezasishukumisela thina bobabini kwiiklasi zekholeji zithemba lethu elithembekileyo lokuba imfundo ephakamileyo iya kubangela ukuzinza ngokwezimali thina nabantwana bethu. Ndisazi ukuba kufuneka sitshintshe imikhuba yethu yemali kwaye sandise imali engenayo ukuze sinqobe le ntaba.
Uqalise njani ukuthengisa nge-eBay? Yintoni eyenza wenze isigqibo sokusebenzisa imali yakho ye-eBay ukuhlawula ityala?
Ndandifunde incwadi ngumbono wezezimali, uDave Ramsey kwiminyaka embalwa ngaphambili kwaye ndagqiba ekubeni ndijonge kwinkqubo yakhe. Inkqubo yakhe ichaza amanyathelo amancinane angama-7 ayenzelwe ukuphelisa amatyala kunye nokwakha ubutyebi obubonelela ngesiseko esinamandla semali kunye noxolo lwengqondo. Ekuqaleni kwakufuneka sihlawule amawaka ngenyanga ukuze sikwazi ukugcina iintlawulo ezincinci.
Ndayifaka isicelo sokufumana intlawulo esekelwe kwisabelo esasivumela ukuba sihlale siphinde sihlawule ngokukhawuleza imali encinane kakhulu mboleko, enye inqununu kwinkqubo yakhe. Sakwazi ukuhlawula umboleko wokuqala we-$ 2,000 kwiinyanga ezingaphantsi kwezi-2 kwaye ngoko sasibambene ne-bug kwaye sifuna ukwenza okungakumbi. Amahlaya kaRamsey malunga nokuthengisa izinto ezininzi ngelixa behlawula ityala abazali bacinga ukuba lizayo kwaye ndathatha okoqobo.
Ndaqala ukuthengisa izambatho zam, izicathulo, izipho zomtshato ezingavulwayo, izibhinqa zabantwana, izinto zasekhitshini - uthiwa, ndithengisa. Ndandisoloko ndiyithanda ukuyothenga kodwa ndingazange ndicinge ukuba ndiza kuluhluza izinto ndiza kuzifumana apho ndide ndibambe i-bug. Ndafumanisa ukuba iiTwin Cities inexabiso elimangalisayo leentengiso ezinamaxabiso amanani, amakhuphoni, kunye neentsuku zokuthengiswa kwe-stellar ngoko ndaqalisa ukuthenga ukuthengisa.
Ngaba usebenzisa i-100 ekhulwini ye-eBay yokufumana imali yokuhlawula imali?
Njengoko ishishini liphuculwe okokuqala kwakulingela ukuba kuthokozise kule mali-entsha efunyenwe ngokutsha kodwa sahlala sizinikezele kwiinjongo zethu kwaye sisetyenzisile le mali ukuze siqhube ishishini kwaye sihlasele ngamandla lethu ityala. Ndingathanda ukuthetha ukuba ndikwazi ukuhlawula lonke lelo tyala nge-eBay yedwa kodwa sele lidibaniselwano lokuphila ngokukhawuleza ukuze ukwazi ukusebenzisa enye yesikhokhelo somsebenzi wendoda yam, ixesha elincinci lokufundisa kunye nepeyinti imisebenzi kunye nerhwebo lokuthengisa.
I-eBay ibambe iqhaza elikhulu ekuhambeni kwethu ekukhutsheni inkohlakalo. Kunyaka odlulileyo umyeni wam waba negalelo kwaye uncedisa yonke into ukususela, ukufotshwa kweefoto, uphando kunye nokuthunyelwa. Uba ngongcolileyo ngethuba ngamanye amaxesha xa ephazamisa amacandelo amabhinqa empahla nje sihleka yonke indlela eya ebhankini. Sithemba ukugqiba ukuhlawulwa kwemali-mboleko yethu ekupheleni kuka-2017. Sine-$ 7 700 ye-original $ 90,000 yokuqala esiye saqala ngayo ngo-2013 ukuya kuthi emva koko siya kuhlawulwa ngokupheleleyo!
Liyini i-Advice yakho kwabanye abathanda ukuhlawula imali mboleko nge-eBay?
Abantu abaninzi baye beza kum nemibuzo malunga nokuhlawula ityala nge-eBay. Ingcebiso yam ukuqala ukuthengisa okuncinci into osuyenayo uze ubeke uluhlu lwakho lwemali kunye nempumelelo yaloo ntengiso. Ndisazijonga njengesivivinywa se-eBay kwaye ndiqhubeke ndifunda njengoko ndihambayo. Ndibalandela abathengisi abenza amanani angama-6 ngonyaka athengisa kwaye bazama ukuphumeza iindlela zabo ezilungileyo. Ndiyathemba ukuqhubeka ndikhula lo shishino njengoko lilungelelanisa intsapho yethu ekhulayo.
Silindele intombi yethu yesibili ngoSeptemba kwaye siyavuya ukucinga ukuba siya kuba netyala ngokukhululekile phambi kokuzalwa kwakhe kokuqala! I-eBay inikeza amathuba angenamkhawulo kwaye sibheke phambili ukuba sikwazi ukuqala ukusebenzisa inzuzo ukugcina ikhaya lethu lokuqala xa ityala lichithwe ngokupheleleyo. Kuthatha umsebenzi onzima kodwa ukuba nebhizinisi lam eBay kwaye ndihlale ekhaya ukukhulisa abantwana bethu iphupha lizaliseka.
Unokutyelela i-Kate eBay esitolo apha. Unempahla engama-1 edwelisiwe kwaye ithengisa umxube wezinto kodwa ngokugqithiseleyo igxile kwiingubo zabesifazane. (Nceda uqaphele ukuba uKate ube nevenkile eyahlukileyo xa beqala kodwa ngenxa yabathengi abathile bawuvalile kwaye baqalisa i-akhawunti entsha ngo-2016.)
Ulandela iDave Ramsey's Seven Baby Steps
Abantu abaninzi kunye neentsapho baye baphumelela kakhulu ngoxolo lweDave Ramsey lwezeMali kunye nokulandela amanyathelo amantombazana asixhenxe. Ezi nyathelo zenzelwe ukuba zilandelwe kulo myalelo ngokuchanekileyo njengeprogram yokuphuma kwetyala kunye nokudala ikusasa eliyimali. Ukuba oku kutsha kuwe, amanyathelo amantombazana angama-7:
- Umntwana wesinyathelo 1: Gcina okanye ubeke eceleni imali engama-$ 1,000 kwisikolo-mali esiphuthumayo
- Umntwana wesinyathelo 2: Sebenzisa ityala le-snowball indlela yokuhlawula yonke inkokhelo yokuthengiswa kunye neentlawulo
- Umntwana wesithathu Inyathelo: Ncedisa kwi-fund yakho yengxamisekileyo ukuze ihlawule iinyanga ezi-3-6 zeendleko zokuhlala
- Umntwana wesinyathelo 4: Ukutshala iipesenti ezili-15 zomvuzo wekhaya kwimali yomhlalaphantsi
- Umntwana wesinyathelo 5: Gcina iikholeji
- Umntwana wesinyathelo 6: Ukuhlawula imali yokuqala
- Umntwana wesinyathelo 7: Gxininisa kwisakhiwo sokwakheka kwaye unike ngesandla
Qalisa ukuthengisa nge-eBay namhlanje
Ukuba eli bali liye laphefumlela kwaye likukhuthaza ukuba uqalise ukuthengisa kwi-eBay, ungalindeli! Izigidi zabathengi sele ziqokelelwe kwi-eBay elindele ukuthenga. Kwaye awuyi kukholwa into onayo kakade ekhaya okanye kufinyeleleka kuwe ukuba ungathengisa ngenzuzo enhle. I-home average ine-$ 7,000 yezinto ezingasetyenziswanga ezingathengiswa ngekhompyutha. U-7,000 weeRandi angahamba ixesha elide xa ejongene netyala, ukuhlawula ikhefu leentsapho okanye ukuhlawula iindleko zonyango.
Landela la ma- 10 alula okuza kuqaliswa kwi-eBay unokudala ukuhamba kwemali eninzi ukuthengisa izinto ongafuni, ukuzisebenzisa, okanye ukuzifuna. Abantu abayizigidi ezingama-25 bathengisa imali kwi-eBay imihla ngemihla, ngoko ukuba bayakwazi ukwenza, unako, nawe!