Ungayithenga kanjani imoto uma ungenawo umlando wezikweletu

Ukuthenga imoto entsha kungase kujabulise, kodwa kungase kube inselele uma udinga ukuxhaswa ngezimali. Izikhungo zezezimali zikhetha umuntu onomlando oqinile wezikweletu ukuze anciphise ubungozi bokukhokha imali ebolekiwe yemoto. Nokho, unezinketho ngisho noma ungenawo umlando wesikweletu omisiwe.

Uma umbolekisi ethi awunawo umlando wesikweletu, kusho ukuthi awunawo amarekhodi e-akhawunti yesikweletu egameni lakho. Ungase ungabi nawo ngisho umbiko wesikweletu noma amaphuzu asetshenziselwa ukunquma ukufaneleka kwekhredithi lapho unikeza othile isikweletu. Ukuze uthenge imoto entsha lapho ungenawo umlando wesikweletu, udinga ukuzama elinye lamaqhinga alandelayo.

Ingxenye 1 kwezingu-6. Thola ababolekisi abangagxili emalimboleko

Isinyathelo 1: Thola umbolekisi ofanele. Bheka ababolekisi abamukela abafakizicelo abangenawo umlando wesikweletu noma olinganiselwe.

Isinyathelo sesi-2: Bheka imalimboleko ngaphandle kwesikweletu. Sesha ku-inthanethi "imalimboleko yabantu abangenasikweletu" noma "imalimboleko ezenzakalelayo ngaphandle kwesikweletu."

Isinyathelo sesi-3: Hlola futhi uqhathanise Imigomo. Vakashela amawebhusayithi emiphumela ehamba phambili ukuze uthole imigomo nemibandela efana nezilinganiso zenzalo nemibandela yemalimboleko.

Isinyathelo sesi-4: Buyekeza ukubuyekezwa kwenkampani. Hlola ne-Better Business Bureau ukuze ubone ukuthi azikho yini izikhalo ngezinkampani nokuthi zinezilinganiso yini.

• ImisebenziIMP: Izilinganiso zabafakisicelo abangenaso isikweletu ngokuvamile ziba phezulu kunabanye abantu, kodwa ungakwazi ukuqhathanisa izimo ukuze uthole idili elingcono kakhulu ongakhona.

Ibhange osuvele wenza nalo ibhizinisi nge-akhawunti yokuhlola noma yokulondoloza lingase livuleleke kakhulu ekwenzeni ibhizinisi nawe uma ungenawo umlando wesikweletu wangaphambilini.

Isinyathelo 1. Hlangana nombolekisi mathupha. Esikhundleni sokugcwalisa isicelo semalimboleko, yenza isikhathi sokubonana nombolekisi. Ukukhuluma nomuntu mathupha kungakusiza wenze isithombe esihle noma uqonde okufanele ukwenze ukuze ugunyazwe.

Isinyathelo sesi-2: Thumela izitatimende zakho zezimali. Qoqa ama-stub amabili okugcina okukhokha kanye nezitatimende zasebhange zezinyanga ezimbili zokugcina zawo wonke ama-akhawunti akho.

Isinyathelo sesi-3. Faka ohlwini zonke izimali ezibolekiwe ezedlule.. Yiba nezincwadi zokuncoma ezivela kuwo wonke umuntu oboleke imali kuye nakumqashi wakho.

Isinyathelo sesi-4: Ziveze njengekhasimende elihle. Shicilela incwadi esemthethweni echaza ukuthi kungani ungekho engozini enkulu yezikweletu nokuthi kungani uzokwazi ukukhokha imali oyibolekile.

• Imisebenzi: Uma uphatha umsebenzi wokuthola imali ebolekiwe njengebhizinisi, udala umbono omuhle ongasiza ibhizinisi lakho, ngisho noma ungenawo umlando wesikweletu.

Ingxenye 3 kwezingu-6. Thembela Emalini

Izikhathi eziningi, ababolekisi bavumela izici eziyisinxephezelo ukuthi zeqe ukuntuleka komlando wesikweletu ukuze kugunyazwe imali mboleko. Uma utshala imali yakho eyengeziwe, kunciphisa ubungozi kumabolekisi.

Isinyathelo 1: Engeza ukheshi uma ukwazi. Khulisa inkokhelo yakho ngokungeza ukheshi kudili lemoto yakho.

Isinyathelo sesi-2: Nciphisa izindleko zakho. Khetha imodeli entsha engabizi kakhulu ukuze ukukhokha kwakho phansi kube iphesenti eliphezulu lesamba sezindleko.

Isinyathelo sesi-3: Inkokhelo yemali. Yonga imali ukuze ukhokhe ukheshi wemoto.

• Imisebenzi: Faka imali yakho ku-akhawunti enenzalo kuyilapho ulondoloza imoto ukuze inani layo linyuke njengoba wengeza enye.

Ingxenye yesi-4 kwezi-6: Sebenzisa isiqiniseko

Thola umuntu ozimisele ukusayina nawe imali ebolekiwe osevele ebolekiwe. Umbolekisi uzobuyekeza isikweletu sakhe kanye nekhono lokubuyisela imali ebolekiwe kanye nolwazi lwakho.

Isinyathelo 1. Khetha umuntu omethembayo. Khetha ilungu lomndeni noma umuntu omethemba ngokuphelele.

Isinyathelo sesi-2. Chaza uhlelo lwakho ngokuningiliziwe. Dala uhlelo olusemthethweni oluchaza ukuthi kungani ubacela ukuthi basayine imali ebolekiwe nokuthi uzokwazi kanjani ukukhokha imali ebolekiwe. Lokhu kubasiza ukuba bazizwe beqiniseka ngokwengeziwe ngokuvikela isikweletu sabo.

Isinyathelo sesi-3: Cabangela Izinketho Zokuthola kabusha Izimali. Xoxa ngezinketho zokubuyisela imali ngemuva kokwenza izinkokhelo okungenani izinyanga eziyisithupha noma unyaka ukuze ususe amagama azo emalini ebolekiwe.

Isinyathelo 4. Hlola ukufaneleka kwekhredithi. Qiniseka ukuthi isikweletu sabo sanele futhi bathola imali eyanele ukukhokhela izinkokhelo zabo zemboleko ukuze bathole imvume yabobolekisi.

Ingxenye 5 kwezingu-6: Cela amalungu omndeni ukuthi athenge imoto

Uma ungakwazi ukuthola uxhaso kungakhathaliseki ukuthi uzama kangakanani, kungase kudingeke ucele omunye umuntu ukuthi aluthenge futhi amkhokhele. Bangakwazi ukugunyazwa ukuxhaswa ngezimali noma bakhokhele imoto ngokheshi.

Isinyathelo 1: Khetha umuntu olungile. Khetha othile omazi kahle ukuthi uxhumane naye, okungcono ilungu lomndeni noma umngane omdala.

Isinyathelo sesi-2: Thola Ibanga Lakho Lamanani. Gcina engqondweni imoto ethile noma ibanga lentengo.

Isinyathelo sesi-3: Setha uhlelo lwakho lokukhokha. Dala uhlelo lokukhokha oluchaza ukuthi uzokhokha malini inyanga ngayinye ngenani lenzalo ethile nokuthi isikhathi eside kangakanani.

Isinyathelo sesi-4: Dala futhi usayine okunikezwayo. Uma umuntu evumelana nesiphakamiso sakho, dala idokhumenti enayo yonke imininingwane bese ucela nobabili ukuthi niyisayine.

Ingxenye 6 kwezingu-6: Setha Ikhredithi

Uma ungayidingi imoto entsha njengamanje, zinike isikhathi uhlole umlando wakho wesikweletu. Ngokuvamile kuthatha izinyanga eziyisithupha ukuya onyakeni ukudala umbiko wesikweletu uma okungenani une-akhawunti yekhredithi eyodwa.

Isinyathelo 1: Thola ikhadi lesikweletu elilungile. Cwaninga ku-inthanethi ukuze uthole amakhadi esikweletu angenayo isikweletu noma isikweletu esibi.

Isinyathelo sesi-2: Cabangela Ukusebenzisa Ikhadi Lesikweletu Elivikelekile. Lokhu kukuvumela ukuthi ufake idiphozi futhi ugunyazwe umkhawulo wesikweletu olinganayo. Ukuze ubuyisele iphrofayela yakho yesikweletu, udinga ukuthola umugqa wesikweletu.

• Kunezinkampani eziningana zamakhadi esikweletu ezihlinzeka ngamakhadi avikelekile ngaphandle kokuhlolwa kwesikweletu, kodwa ngokuvamile ziza nemali ephakeme yonyaka noma ezinye izixwayiso.

Isinyathelo sesi-3: Vula ikhadi lakho lesikweletu. Thenga kancane bese ukhokha ibhalansi ukuze uvule ikhadi lakho lesikweletu.

Isinyathelo sesi-4: Qhubeka wenze izinkokhelo ngesikhathi.

• ImisebenziIMP: Qiniseka ukuthi uyazi ukuthi umnikezi wesikweletu ubika kuma-ejensi wezikweletu, ngaphandle kwalokho i-akhawunti ngeke ikusize ukuthi usungule umlando wesikweletu.

Akuzona zonke lezi zinketho ezizosebenzela isimo sakho, kodwa zonke zikuvumela ukuthi uthenge imoto entsha ngisho noma ungenawo umlando wesikweletu oqinisekisiwe. Vele wenze isiqiniseko sokuthi uhlela kusenesikhathi futhi wazi ukuthi ungakwazi ukukhokhela imoto oyithengayo ukuze ungabi nesikweletu esibi, okungaba kubi noma kubi kakhulu kunokungabi nasikweletu.