Ngongole Ndi Yoposa Nambala
Anthu ambiri amaona ngongole ngati ndalama zambiri. Amasonkhanitsa ndalama zonse, amayang'ana nambalayo, kenako n'kusankha ngati ikuwoneka kuti ndi yotheka kapena yoopsa. Zimenezo n'zomveka, koma sizimafotokoza nkhani yonse. Anthu awiri akhoza kukhala ndi ngongole yofanana ndipo amakhala m'mikhalidwe yosiyana kwambiri kutengera mtundu wa ngongoleyo, chiwongola dzanja, nthawi yolipira, komanso amene amayang'anira zomwe zalembedwazo.
Kuyang'ana ngongole pogwiritsa ntchito njira yokhazikika kumatanthauza kufunsa mafunso abwino kuposa "Kodi ndili ndi ngongole zingati?" Kumatanthauza kufunsa momwe ngongoleyo imakhalira. Munthu woyerekeza njira monga kuchotsera ngongole ku Indiana angapeze chidziwitso chomveka bwino poyang'ana osati ndalama zokha, komanso ngongole zomwe zimakhala zodula kwambiri, zomwe ndizofunikira kwambiri, komanso zomwe zimapangitsa kuti pakhale kupanikizika kwambiri.
Mawonekedwe a Ngongole
Ngongole ili ndi kapangidwe kake, pafupifupi ngati nyumba. Zigawo zina zimakhala ndi kulemera kwakukulu kuposa zina. Ngongole yokhala ndi chiwongola dzanja chokhazikika komanso malipiro odziwikiratu ingakhale yolemera, koma yokhazikika. Ndalama ya kirediti kadi yokhala ndi chiwongola dzanja chambiri ingakhale yocheperako, koma yoopsa kwambiri chifukwa imakula mwachangu ndipo ikhoza kukhala yovuta kubweza. Bilu yachipatala ingakhale ndi mwayi wosiyana wokambirana ndi ngongole yagalimoto. Ngongole ya tsiku lolipira ingayambitse mavuto azachuma nthawi yomweyo ngakhale ndalama zomwe zatsala zikuwoneka zazing'ono.
Ichi ndichifukwa chake ndalama zonse zomwe zatsala zingakhale zosokeretsa. Ngongole ya $20,000 pamtengo wotsika wokhazikika si yofanana ndi $20,000 yofalikira pamakhadi angapo a kirediti kadi okhala ndi mitengo yosintha komanso malipiro ochepa. Choyamba chingakhale gawo la dongosolo la nthawi yayitali. Chachiwiri chingakhale njira yomwe imapitiliza kubweretsa ndalama m'tsogolo mwanu.
Ndani Ali ndi Ngongole Amasintha Mphamvu Yake
Funso lina lofunika ndi lakuti ndani mwini wa ngongoleyo. Kodi ikadali ndi wobwereketsa woyamba? Kodi yagulitsidwa kwa wogula ngongoleyo? Kodi ndi yochokera ku bungwe losonkhanitsa ndalama? Kodi wobwereketsayo ali ndi chitetezo pogwiritsa ntchito chikole, monga galimoto kapena nyumba, kapena ngongoleyo ilibe chitetezo?
Izi ndizofunikira chifukwa obwereketsa osiyanasiyana ali ndi zida zosiyanasiyana, zolimbikitsa, komanso nthawi yolipira. Wobwereketsa wotetezedwa akhoza kukhala ndi ufulu wogwirizana ndi katunduyo. Kampani yamakhadi a ngongole yopanda chitetezo ingadalire kukakamizidwa kulipira, chiwongola dzanja, ndi milandu yomwe ingachitike. Wogula ngongole akhoza kukhala atagula akauntiyo pamtengo wotsika kuposa ndalama zoyambira ndipo angakambirane mosiyana.
Zinthu zosonkhanitsira ngongole za Consumer Financial Protection Bureau zimafotokoza ufulu ndi chitetezo cha ogula chokhudzana ndi osonkhanitsa ngongole. Kudziwa amene akukulankhulani ndi zomwe amaloledwa kuchita mwalamulo kumathandiza kusintha vuto lovuta kukhala chinthu chosavuta kuliyesa.
Chiwongola dzanja chimavumbula mfundo zofooka
Chiwongola dzanja ndi chimodzi mwa zizindikiro zomveka bwino za kufooka kwa kapangidwe ka nyumba. Ngongole yokhala ndi chiwongola dzanja chochepa ingathe kuyendetsedwa ngakhale ndalama zomwe zatsala zili zazikulu. Ngongole yokhala ndi chiwongola dzanja chachikulu ingakhale yosakhazikika mwachangu chifukwa ndalama zambiri zomwe amalipira zimapita ku chiwongola dzanja m'malo mochepetsa ndalama zomwe amalipira.
Apa ndi pomwe anthu nthawi zambiri amakhumudwa. Amalipira, koma ndalama zomwe zatsala sizikuyenda bwino. Mwachidule, izi zikutanthauza kuti ngongoleyo idapangidwa m'njira yochepetsera kuthawa. Malipirowo angasunge akauntiyo nthawi zonse, koma sangapange kupita patsogolo kwakukulu.
Kuwunikanso bwino ngongole kuyenera kuyika ndalama zomwe zatsala potengera chiwongola dzanja, osati kukula kokha. Ndalama zochepa kwambiri sizimakhala zoopsa kwambiri nthawi zonse. Ngongole yomwe imakula mwachangu kapena yomwe imadya ndalama zambiri pamwezi ingafunike kusamalidwa kaye.
Kukhwima Kumakhudza Nthawi
Mu zachuma, kukhwima kumatanthauza nthawi yomwe ngongole iyenera kulipidwa kapena nthawi yomwe kubweza kukuyembekezeka kutenga. Kwa mabanja, lingaliro lomwelo ndilofunika m'njira yothandiza. Ngongole zina zimakhala zanthawi yochepa komanso zachangu. Zina zimakhala zanthawi yayitali komanso zodziwikiratu. Zina zimafuna ndalama zambiri posachedwa. Zina zimafalitsa malipiro kwa zaka zambiri.
Nthawi imakhudza kupsinjika. Ngongole yomwe ikuyenera kubwerezedwa mwezi wamawa imabweretsa kupsinjika kosiyana ndi ngongole yomwe ikuyenera kubwerezedwa kwa zaka zisanu. Khadi la ngongole lopanda tsiku lokhazikika lolipira limatha kupitilira mwakachetechete kwa nthawi yayitali. Ngongole yaumwini yokhala ndi tsiku lomaliza lokhazikika ingawoneke ngati yokonzedwa bwino chifukwa pali mzere womaliza womveka bwino.
Zipangizo zophunzitsira za Federal Reserve zokhudza mfundo zoyambira ngongole za ogula zingathandize ogula kumvetsetsa momwe kubwereka, kubweza ngongole, ndi zinthu za ngongole zimakhudzira zisankho zachuma. Mukamvetsetsa nthawi, mutha kuwona ngati ngongole yanu ili ndi njira yoti ithe kapena ngati ikungodzikonzanso mwezi ndi mwezi.
Udindo Waukulu Umatanthauza Kuti Pali Maudindo Ena Omwe Amabwera Patsogolo
Si ngongole zonse zomwe zimakhala ndi zotsatira zofanana ngati sizilipidwa. Lendi, ngongole ya nyumba, ngongole zamagalimoto, magetsi, misonkho, ndalama zothandizira ana, ndi ngongole zotetezedwa zingayambitse zotsatirapo zachangu kapena zoopsa kwambiri kuposa ngongole zina zopanda chitetezo. Izi sizikutanthauza kuti ngongole zopanda chitetezo zitha kunyalanyazidwa, koma zikutanthauza kuti zinthu zofunika kwambiri ndizofunikira.
Kapangidwe ka nyumba kamafunsa kuti, “Ndi maudindo ati omwe amateteza kukhazikika kwanga?” Nyumba, mayendedwe, chakudya, zinthu zogwiritsidwa ntchito, ndi inshuwaransi yofunikira nthawi zambiri zimakhala zisanachitike malipiro owonjezera pa ngongole zosafunikira kwenikweni. Popanda lamulo limenelo, munthu angateteze khadi la ngongole mwangozi pamene akuika lendi kapena mayendedwe pachiwopsezo.
Izi sizikutanthauza kupewa udindo, koma zimafuna kupanga njira yobwezera ndalama zomwe sizingawononge maziko a moyo watsiku ndi tsiku.
Ngongole Ikhoza Kukhala Chida Kapena Msampha
Ngongole sizimawononga zokha. Ngongole ya nyumba ingathandize munthu kugula nyumba. Ngongole ya ophunzira ingathandize maphunziro. Ngongole ya bizinesi ingathandize kukulitsa bizinesi. Ngongole ya galimoto ingathandize kuti zinthu ziyende bwino. Pazochitika ngati zimenezi, ngongole ingathandize munthu kugula nyumba, makamaka ngati ndalamazo ndi zotsika mtengo komanso ngati zinthuzo zili zomveka bwino.
Ngongole imakhala yofooka kwambiri ikalipira ndalama zothandizira moyo m'malo mokulitsa ndalama. Ngati makhadi a ngongole akuphimba zakudya, mafuta, malo obwereka, kapena zosowa zachipatala chifukwa ndalama sizingakwane, dongosololi likuwonetsa vuto lalikulu. Vutoli silingakhale kudziletsa. Likhoza kukhala kusakhazikika kwa ndalama, kukwera kwa ndalama, ntchito yosakhazikika, ndalama zachipatala, kapena kusowa ndalama zosungira mwadzidzidzi.
Kusiyana kumeneko n'kofunika chifukwa manyazi amayang'ana kwambiri munthu, pomwe kapangidwe kake kamayang'ana kwambiri dongosolo. Kapangidwe kabwino nthawi zambiri kamachepetsa kupsinjika maganizo kuposa kudzidzudzula wekha.
Nyumba Yaikulu Yokhala Pakhomo
Mabizinesi nthawi zambiri amaona ngongole ngati gawo la ndalama zomwe zimafunika, zomwe zikutanthauza magawo a ndalama zomwe zimakhala ndi ndalama zosiyanasiyana, zoopsa, komanso magawo ofunikira. Mabanja amatha kubwereka lingaliro limenelo. Ndalama zomwe mumapeza zingaphatikizepo ndalama zomwe mumapeza, ndalama zomwe mumasunga, makhadi a ngongole, ngongole zaumwini, mabilu azachipatala, ngongole zamagalimoto, ngongole za ophunzira, ndi ngongole ya nyumba.
Ngati katunduyo ndi wabwino, gawo lililonse limakhala ndi cholinga chake. Ndalama zimaphimba ndalama zogulira zinthu. Ndalama zosungidwa zimathandiza pa zinthu zosayembekezereka. Ngongole zimathandiza kugula zinthu zazikulu kapena ndalama zomwe zakonzedwa. Ngati katunduyo ndi wofooka, makhadi a ngongole amalowa m'malo mwa ndalama zosungidwa, ngongole zimaphimba ngongole zina, ndipo malipiro ochepa amawononga ndalama zomwe ziyenera kukhala zokhazikika.
Kuyang'ana ndalama zanu mwanjira imeneyi kungakhale kothandiza kwambiri. Kumasintha ngongole kuchokera ku mtambo wa nkhawa kukhala mapu. Mukawona zigawo, mutha kusankha zomwe zikufunika kukonzedwa kaye.
Kuwunikanso Kapangidwe ka Nyumba Kumayamba ndi Kusankha
Kuti mumvetse bwino momwe ngongole yanu imakhalira, lembani ngongole iliyonse pamalo amodzi. Phatikizani ndalama zomwe zatsala, chiwongola dzanja, malipiro ochepa, tsiku lomaliza, wobwereketsa, ngati ngongoleyo yatetezedwa kapena ayi, komanso ngati malipirowo ndi apano. Kenako yang'anani njira zomwe zagwiritsidwa ntchito.
Ndi ngongole iti yomwe ili ndi chiwongola dzanja chapamwamba kwambiri? Ndi malipiro ati omwe amachititsa kuti pakhale kupanikizika kwambiri pamwezi? Ndi ndalama ziti zomwe sizikutsika? Ndi akaunti iti yomwe ili ndi chiopsezo chalamulo kapena chosungira? Ndi ngongole ziti zomwe zidapangidwa ndi zadzidzidzi m'malo mwa zisankho zomwe zidakonzedwa?
Mafunso awa amathandiza kusiyanitsa phokoso ndi zofunika kwambiri. Mutha kupeza kuti ngongole imodzi yaying'ono ikuyambitsa kusakhazikika kwambiri kuposa ngongole yayikulu komanso yotsika mtengo. Mutha kuwona kuti malipiro ochepa angapo akupangitsa kuti ndalama ziziyenda pang'onopang'ono. Mutha kuzindikira kuti vuto si ndalama imodzi yokha, koma momwe malipiro onse amagwirizanirana.
Kapangidwe kake kamapanga njira
Ndondomeko ya ngongole yomangidwa mozungulira ndalama zonse zomwe muli nazo ingakhale yovuta kwambiri. Ndondomeko yomangidwa mozungulira dongosolo ndi yothandiza kwambiri. Ingasonyeze ngati mukufunika kuchepetsa chiwongola dzanja, kuwonjezera ndalama, kuchepetsa ndalama zomwe mumagwiritsa ntchito, kukambirana maakaunti ena, kuteteza malipiro ofunikira, kapena kusiya kugwiritsa ntchito ngongole pazosowa zanu za mwezi uliwonse.
Cholinga sikutanthauza kuti ngongoleyo iwoneke yocheperako kuposa momwe ilili. Cholinga ndikumvetsetsa mtundu wa vuto lomwe mukukumana nalo. Vuto la nthawi limafuna yankho limodzi. Vuto la chiwongola dzanja limafuna lina. Vuto la ndalama likufunika lina. Vuto la chiopsezo chalamulo likufunika lina.
Ngongole imakhala yosamvetsetseka mukasiya kuiona ngati nambala imodzi ndikuyamba kuona momwe yakonzedwera. Kusintha kumeneko kungachepetse mantha ndikupanga njira yomveka bwino yopitira patsogolo. Mukamvetsetsa kapangidwe kake, simukungoyankha kuzinthu zomwe zili bwino. Mukuphunzira dongosolo, kupeza zofooka, ndikupanga mayendedwe anzeru pang'onopang'ono.
