Izikweletu Zomuntu Siqu Ziwuthinta Kanjani Umphumela Wakho Wezikweletu?

Abantu abangaphezu kwezigidi ezingamashumi amabili abahlala e-United States banemalimboleko evulekile yomuntu siqu. Imali mboleko yomuntu siqu ikhishwa ngenxa yezizathu ezimbalwa, futhi akuzona zonke ezimbi. Ukuthenga imoto entsha noma indlu noma ukuhlanganisa isikweletu yizizathu ezimbalwa ezenza abantu bathathe imali ebolekiwe. Kodwa noma unezinhloso ezinhle, imali ebolekiwe yomuntu siqu ingathinta amaphuzu akho esikweletu.

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Ukuqonda ukuthi siyini amaphuzu esikweletu kungakusiza uqonde kangcono ukuthi izinto ziyithinta kanjani. Amaphuzu esikweletu wuhlelo olusetshenziselwa ukukala ukufaneleka komuntu ngamunye. Izikolo zekhredithi zimelelwa izinombolo zezinombolo. Lezi zibalo ukushintshashintsha kuye ngezici eziningana. Lezi zici zihlanganisa umlando wokukhokha, amanani akweletwayo, imigqa emisha yezikweletu, inombolo yama-akhawunti, nenani lesikweletu elitholakalayo. Lezi zici azikalwa ngokulinganayo zonke. Ezinye izici zinomthelela omkhulu kusikweletu sakho kunezinye. Isibonelo, amanani akweletwayo afinyelela ku-30% wekhredithi yakho, kuyilapho imigqa emisha yezikweletu ibiza u-10%.

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Imali mboleko yomuntu siqu wuhlobo lwemali mboleko engasetshenziselwa izinjongo ezingaqondile. Lezi zimali ezibolekiwe ziyehluka emalini ebolekiwe yemoto, yendlu, neyezitshudeni ngoba inika ababolekayo inkululeko yokusebenzisa kulokho abakudingayo. Lezi zimali mboleko zinikezwa izikhungo zezezimali ezifana namabhange, izinyunyana zezikweletu, nababolekisi bezinkampani zangaphandle abafana KingOfKash.com. Imali mboleko yomuntu ivamise ukuba nenzalo. Lokhu kusho ukuthi ekugcineni uzokhokha ngaphezu kwalokho obukubolekile. Izilinganiso zenzalo ziyahlukahluka ngesikhungo oboleka kuso kanye namaphuzu akho esikweletu. Amabhange nezinyunyana zezikweletu ngokuvamile zinenzalo ephansi kunezinkampani zangaphandle noma ababolekisi be-inthanethi. Njengezinye izinhlobo eziningi zemali mboleko, imali mboleko yomuntu siqu ibuyiselwa ngezitolimende. Lezi zitolimende zivame ukuba zinyanga zonke kodwa futhi zingaba masonto onke noma kabili ngeviki.

Imali mboleko yomuntu siqu ivamise ukusetshenziselwa ukuhlanganisa izikweletu, izimo eziphuthumayo zezokwelapha nezomthetho, nokuthenga okukhulu. Kodwa-ke, zingasetshenziselwa ukuthenga okuxubile njengemishado, amaholide, noma amaphrojekthi okuthuthukisa ikhaya.

Ingabe Imalimboleko Yomuntu Siqu Iwuthinta Kanjani Umphumela Wakho Wesikweletu?

Yonke ingxenye yenqubo yemalimboleko yomuntu siqu kuthinta isikolo sakho sekhredithi. Lapho beqala ukufaka isicelo semalimboleko, ababolekisi benza isheke lesikweletu. Lokhu kuhlola isikweletu kusetshenziselwa ukunquma ukufaneleka kwakho ukuthola imali ebolekiwe. Ukuhlolwa kwezikweletu kunganciphisa amaphuzu esikweletu kodwa kuze kufike amaphuzu ayishumi.

Imali mboleko yomuntu siqu ithathwa njengesikweletu futhi ibalwa ngokwengxenye yemali oyikweletayo yekhredithi yakho. Le ngxenye yamaphuzu akho esikweletu ibiza u-30%, okusho ukuthi isikweletu sizoba nomthelela omubi kusikolo sakho. Cabangela isilinganiso sakho sesikweletu nengeniso uma uthenga imali ebolekiwe. Ungathathi imali ebolekiwe ongakwazi ukuyibuyisela.

Ukubuyisela imalimboleko yakho kuzoba nomthelela omkhulu esikoleni sakho. Uma ukhokha imali oyibolekile ngesikhathi futhi ungaphuthelwa yinoma yiziphi izinkokhelo, amaphuzu akho esikweletu azokhuphuka. Ngokunjalo, uma ungayikhokhi imali oyibolekile ngesikhathi futhi ugeje izinkokhelo, uzobona ukwehla kwesikolo sakho sesikweletu. Ukweqiwa kwezinkokhelo eziningi akugcini nje ngokulimaza isikolo sakho sesikweletu kodwa nomlando wakho wokukhokha.

Imali mboleko yomuntu siqu izothinta isikolo sakho sesikweletu kungakhathaliseki ukuthi uyisebenzisela ini. Lesi yisinqumo esikhulu okungafanele sithathwe kalula. Ukuthatha imali ebolekiwe kungaba nemiphumela eqhubekayo kusikweletu sakho futhi kunganquma ikhono lakho lesikhathi esizayo lokuthenga okunye.