Icandelo 2 - Musa ukuxhomekeke kwiNkcitho okanye iMimangaliso yokuBhatala iBhili
Icandelo lesibini: Musa ukuxhomekeke kwiNkcitho yokuhlawula i-Bills
I-Credit iyintlambo edibeneyo. Isetyenziswe ngokufanelekileyo, inokubakho isixhobo esibalulekileyo ekulawuleni iindleko zemini yemihla yokudlela . Ikhredithi ingaba ngohlobo lwekhadi, ukongezwa ngabathengisi (njengokuhlawula iiveki emva kokuziswa kokutya) okanye umboleko wendlela ethile. Kwimveliso yokutyela, ngaphambi kokunciphisa imali, kwakukho iinkampani ezininzi ezithembisa ukuboleka imali ngokusekelwe kwipesenti zentengiso ezayo.
Emva kokuba sisebenzise yonke i-credit yethu ukuba sihlawule iibill kwaye solule i-credit yethu kubathengisi, saphendukela kwelinye leenkampani. Inzala yemali yayiphezulu kakhulu kunebhanki yendabuko okanye imboleko encinci yezo shishino. Yayikulungiselela ngokukhawuleza ingxaki enkulu esiye sayivuma. Sasilahlekelwa yimali emininzi kunokuba senza, kwaye asikwazanga ukuboleka indlela yethu yokuphuma. Ngaphandle kokuwa emva kweebhili, sawa emva kweerhafu zethu, ezathi zixinzelele iingxaki esele sinazo. Esikhundleni sokuboleka nokuhlawula izinto ngokukhawuleza, simele sinqumle ukuhlawula ngaphezulu, sisebenze iiyure ezithe xaxa (sichaza lula kunokuba senze-ngexesha esinazo abantwana abane abancinci ekhaya). Asifanele sithembele kwingcamango yokubuyisela imali ngeveki exakekileyo, ihlobo elixakekileyo, ixesha elidityanisiweyo leholide. Nangona sasinexesha elixakekileyo, kwakungekho nto eyaneleyo yokufihla ilahleko phakathi. Sifanele sifikelele kubabolekisi bethu ukuqinisa iintlawulo kwi-interest interest okanye ukucebisa iingcebiso kumcebisi wezezimali.
Esikhundleni sasizigcina iintloko zethu entlabathi kwaye sithemba ukuba uhlobo oluthile lokutya lokumangalisa luya kwenzeka kwaye siza kuzifumana sibuyele emnyama.
Yazi ixesha lokuVala
Njengawuphi na ulwalamano olungasebenziyo, kunokuba nzima ukukwazi ukuyigxotha nini kwaye nini ukuhamba. Ivenkile yethu yokugqibela kufuneka ivalwe malunga nemibini emibini ngaphambi kokuba yenziwe.
Kwakungasisindisa ezininzi iintlungu kunye nemali. Ukuba ukwenzile konke onako ukwenza inzuzo, kodwa uhlala ebomvu, kusenokuba ixesha lokuvala ivenkile. Yingakho ndixelela abantu ukuba bacinge ixesha elide kunye nobunzima malunga nokuxhasa ngemali ekuqaleni. Ukuba ufanele uvale, ufuna ukuba ukwazi ukuhamba ngaphandle kokulahlekelwa yindlu yakho kwi-mortgage yesibini okanye ukuhlawulwa ngamakhulu amawaka eedola kwizinto zokutya ezilahlekelwa yintengo yenkomfa eyashiya kwindawo yokubonisa. Ukuvalwa akusiyo isigqibo esilula, kodwa sikhetele ngakumbi kunokuba sigxinwe yibhanki.
Ukuba uvakalelwa kakubi malunga nokuvala, gcinani engqondweni ukuba unobungani obuhle - uGordon Ramsay noBobby Flay bangumdlali omncinci ophelileyo oye wavala iivenkile ezingenzi kakuhle. U-Paula Deen uvale ivenkile eyabambisana naye nomzalwana wakhe, u-Uncle Bubba's Seafood & Oyster House kunye no-Emeril Lagasse uvale indawo ezininzi kule minyaka. Yintoni ekwahlula umnikazi wesitoreji esiphezulu kulaba bantu abadumileyo, kunjalo, imali. U-Emeril noPaula babengenayo isicelo sokungasebenzi emva kokuvala. UBobby noGordon abazange bakhathazeke (andicinga nantoni) malunga nendlela yokuhlawula loo ntlawulo yesibini kwindlu yabo xa iindawo zabo zokudlela zivaliwe.
Ukuba uhlakaniphile malunga nokuvula (ukuxhaswa kweengqiqo, ukuchitha imali, njl ...) ukuvala ivenkile akufanele kube yintlekele. Yaye iya kukushiya kwindawo efanelekileyo yokuzama ukuvula ivenkile kwakhona, ukuba ungathanda.
Funda iNxalenye yesi-3 - Yiba ngumphathi olungileyo.